Xarunta Cilmi-baarista ee Jaamacadda Simad ayaa soo qaban-qaabisay kulan maanta lagu qabtay Magaalada Muqdisho, laguna soo bandhigay daraasadaan oo in muddo ahba ay waday.
Cilmi-baaristan ayaa lagu ogaaday in adeegga EVC Plus uu sare u qaaday horumarka maaliyadeed ee dalka. EVC Plus waa adeeg lacageed oo dadku isugu diri karaan teleefanadooda gacanta.
Daraasadaan oo ay sameeyeen cilmi-baareyaal sare oo ka tirsan Jaamacadda Simad ee Magaalada Muqdisho ayaa ku saabsaneyd lacagaha Mobile-ka iyo horumarka nidaamka maaliyadeed ee bankiyada Somaliya. Daraasadda ayaana laga sameeyay Magaalooyinka waaweyn ee dalka, iyadoo si gaar ahi diiradda loogu saaray adeegga EVC Plus (Electronic Voucher Card), oo ay bixiso Shirkadda Isgaarsiinta ee Hormuud Telecom.
Dasaaradda oo dhinacyo kala duwan taabaneysay ayaa si guud loogu eegay horumarka maaliyadeed ee dalka sanadihii uu adeeggani si hufan uga shaqeynayay dalka. Dasaaraddu waxay sheegtay in adeeggani uu kororka maaliyadeed ee dadweynaha ku leeyahay boqolkiiba kow iyo toban (11%).
Sidoo kale daraasaddu waxay daaha ka rogtay in boqolkiiba shan, dhibic shan (5.5%) ay keliya dadka Soomaaliyeed heli karaan koonto banki (Bank account), isla-markaana uu EVC Plus suurtageliyay in adeeg banki ay maanta hellaan dadka saboolka ah iyo kuwa kale ee dhulka miyiga ku nool, sidoo kalena uu adeeggani fududeeyay in ay dadku si ammaan ah ugu keydsadaan lacagahooda, si fududna ay uga heli karaan goob kasta. 
Bulshada qaybaheeda kala duwan oo kulankaasi ka qaybgashay ayaa qaarkood oo hadlay waxay sheegeen inay soo jiidatay daraasadda markii ugu horeysay lagu sameeyay muhiimadda uu adeeggani u leeyahay bulshada iyo sida uu uga qayb qaatay kororka maaliyadeed ee dadweynaha.
Hormuud Telecom waa shirkadda isgaarsiineed ee dalkeena ugu weyn, iyadoona bixiso adeegyo kala duwan, waana midda keentay in bulshada inteeda badani ay isticmaalaan.
