Ibi bivuze ko 82% by’urubyiruko batagira konti za banki.

Abaturage bari munsi y’imyaka 30 mu Rwanda bangana na 65,3% nk’uko byagaragaye mu Ibarura Rusange rya gatanu ry’Abaturage n’Imiturire ryakozwe mu 2022.

Ubushakashatsi bwa FinScope Rwanda 2024, bwagaragaje ko mu Rwanda hari abantu 3.616.951 bari hagati y’imyaka 16 na 30 [urubyiruko], bakaba bangana na 44% by’abakuze bose, kuko muri rusange abakuze bangana na 8.155.637.

Kuva mu 2020, umubare w’urubyiruko wiyongereyeho 2%.

Ubu bushakashatsi bwagaragaje ko ugereranyije n’abakuze, urubyiruko rukiri inyuma mu kuyoboka amabanki, aho 18% muri rwo [ni ukuvuga abantu 663.000] ari bo bafite konti za banki mu mazina yabo.

Icyakora imibare igaragaza ko 27% [ni ukuvuga abantu 960.000] bakoresha serivisi za banki, aho bamwe muri bo bifashisha konti z’abandi cyangwa bagakoresha serivisi za banki.

Mu bafite konti za banki, 59% muri bo bazikoresha byibuze buri kwezi, 7% muri bo bakazikoresha buri mezi atatu cyangwa ane, mu gihe 16% muri bo bafite konti zasinziriye kuva mu 2020.

Mu bafite konti kandi ab’igitsina gabo nibo bazikoresha ku rugero rwo hejuru rwa 61% buri kwezi, ugereranyije n’ab’igitsina gore bazikoresha ku rugero rwa 56%.

Nubwo bimeze bityo ariko, ab’igitsina gabo ni nabo bafite konti zasinziriye nyinshi ku rugero rwa 18% ugereranyije n’abagore bafite izasinziriye ku rugero rwa 14%.

Mu rubyiruko rufite konti, mu bikorwa by’ibanze bikorerwaho harimo ihererekanya ry’amafaranga yaba kubitsa no kubikuza bikorwa ku rugero rwa 92% mu gihe kwizigamira biza ku mwanya wa kabiri kuko bikorwa ku rugero rwa 46%.

Abandi bakoresha iki?

Ubu bushakashatsi bwagaragaje ko 75% by’urubyiruko mu Rwanda rukoresha Mobile Money. Aho ab’igitsina gabo muri bo bafi bafite konti ku rugero rwa 78% mu gihe ab’igitsina gore bari ku rugero rwa 72%. No mu mikoreshereze yayo, imibare y’abagabo iri hejuru.

Ibi bigaragaza ubwiyongere bw’abato bakoresha Mobile Money, kuko iyi mibare yazamutse ikava muri 60% [bingana n’abantu miliyoni 1,2] mu 2020 ikagera kuri 75% [bingana n’abantu miliyoni 2,7] mu 2024.

Mu bafite konti za Mobile Money, 86% bazikoresha buri kwezi.

Mu bafite konti za Mobile Money kandi ⅔ babarwa nk’abakoresha izi serivisi cyane, hashingiwe ku kuba bazikoresha byibuze buri minsi irindwi.

Ubu bushakashatsi bwagaragaje ko urubyiruko ruhitamo gukoresha serivisi za Moblie Money kuruta gukoresha iza banki.

Kwizigamira byo bihagaze bite?

Ubu bushakashatsi bwagaragaje ko hafi 81% by’urubyiruko rw’u Rwanda [bingana n’abantu miliyoni 2,9] bizigamiye mu mezi 12 ashize.

Uburyo bwo kubitsa butanditse mu rubyiruko bwavuye ku rugero rwa 55% mu 2020 bugera kuri 47% mu 2024, mu gihe ubundi buryo bwanditse ariko butari ubwa banki bwazamutse bukava kuri 45% bukagera kuro 51% muri iyo myaka.

Muri ubu bushakashatsi hagaragajwe ko 19% by'urubyiruko rutagira uburyo ubwo ari bwo bwose bwo kwizigamira, bikaba birenzeho ku gipimo cy'abaturage bose.

Urubyiruko rukunze kwizigamira ku mpamvu zirimo kugura amazu, kugura amatungo, kwiteganyiriza ahazaza, ndetse no kwishyura ibijyanye n’amashuri.

Ku rundi ruhande umubare w’urubyiruko rukoresha inguzanyo mu Rwanda waragabanutse ugera kuri 54% [ni ukuvuga abantu miliyoni 1,9] muri 2024, uvuye kuri 66% mu 2020.

Uku kugabanuka kwaturutse ku kugabanyuka kw’abafata inguzanyo mu bigo bitanditse bageze kuri 41% muri 2024 bavuye kuri 50% muri 2020, no kugabanyuka kw’abafata amadeni ku nshuti n’imiryango bageze kuri 15% muri 2024 bavuye kuri 29% muri 2020.

Urubyiruko rwinshi rugorwa no kubona inguzanyo zisanzwe z’ibigo by’imari bitewe n'uko rutabona amafaranga ahoraho no kubura ibihamya ko watse inguzanyo ukayishyura neza. Aba bangana na 82% by’urubyiruko rwose.

Ibi bituma urubyiruko rukomeza gukoresha uburyo bwo gufata inguzanyo mu bigo bitanditse nk’amahitamo yabo ya mbere.