The main culprit for this state of affairs is inflation, which "eats" what the interest rate brings.
Marka uu wadanku xaalkaa kujiro waxaa saameeya waxa loogu yeedho 'sixirbarar soodhoofay' (imported inflation) oo kadhigan qiimihii maceeshadahan ayaa kakacay wadankii soo saarayay.