Cogebanque yagaruye serivisi y’inguzanyo ku mushahara itangwa nta ngwate

Yanditswe na Ishimwe Israel
Kuya 24 Ukwakira 2019 saa 07:33
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Banki Nyarwanda y’Ubucuruzi, Cogebanque Plc imaze imyaka 20, yagaruye serivisi y’inguzanyo ku mushahara mu buryo budasanzwe buzafasha abayigana koroherwa no kubona amafaranga yo gukemura ibibazo bitandukanye.

Iyi nguzanyo yiswe “Gisubizo Loan Express” yagenewe abakorera umushahara bakorana na Cogebanque, aho bashobora guhabwa inguzanyo ku mushahara ya miliyoni 5 Frw nta ngwate batanze.

Ni ibisanzwe ko umuntu ashobora gutungurwa n’ikibazo atari yiteguye ndetse rimwe na rimwe kigasanga adafite ubushobozi bw’amafaranga bwo kugikemura.

Umuntu ashobora gutungurwa n’urugendo rwa kure, gukenera kugura ibikoresho byo mu nzu, kwishyura amafaranga y’ishuri, gukoresha imodoka n’ibindi. Inguzanyo ya Gisubizo Loan Express yagenewe abakorera umushahara bahemberwa muri Cogebanque, ishobora kukubera inzira ya bugufi yagukemurira ibyo bibazo.

Gisubizo Loan Express iri gutangwa mu buryo buvuguruye ishobora kwishyurwa mu myaka itanu mu gihe kuyibona bitarenza iminsi itanu ku wujuje ibisabwa.

Mu kwishyura iyi nguzanyo biteganywa ko umukiliya azajya atanga angana no kugeza kuri 50% y’umushahara w’ukwezi. Iyo umukiliya ashaka kwishyura inguzanyo mbere y’igihe, nta bundi bwishyu bw’inyongera asabwa yaba yishyura yose cyangwa igice. Umukiliya ashobora gukurikirana imiterere y’uburyo bwo kwishyura kandi akoresheje porogaramu ya Coge mBank.

Umuyobozi ushinzwe Ubucuruzi muri Cogebanque, Kayonga Joel, yavuze ko nka banki bihaye intego yo guha abakiliya serivisi nziza.

Ati “Nk’ikigo twiyemeje kongerera ubushobozi abakiliya bacu no kubana na bo by’umwihariko no mu bihe badukeneye cyane. Inguzanyo ya ‘Gisubizo Loan Express’ ibafasha kubona amafaranga bifashisha mu gihe batunguwe n’ikibazo; abakiliya bazajya bahabwa inguzanyo ikubye inshuro 15 umushahara wabo cyangwa bayihabwe hashingiwe ku cyizere bitewe n’amafaranga binjiza buri kwezi.’’

Abashaka iyo nguzanyo bazajya bahabwa miliyoni 5 Frw, ariko iri hejuru yayo izatangirwa ingwate.

Yakomeje ati “Gisubizo Loan Express yashyizweho mu gufasha abakiliya kubona ibisubizo biboneye by’ibibazo byabo, ni uburyo bwo gusubiza ubusabe bwa benshi basabaga inguzanyo ariko rimwe na rimwe bakagongwa no kubura ingwate. Dukora ibishoboka byose ngo abakiliya babone serivisi nziza, zihuse kandi zoroshye kugeraho.’’

Kunoza serivisi zo gutanga inguzanyo biri muri gahunda yo guteza imbere urwego rw’imari rwiganjemo amabanki aho afitemo umutungo wa 66.3% nkuko imibare yo muri Kamena 2019 ibigaragaza.

Ibi bikubiye muri raporo yo ku wa 22 Kanama 2019 ivuga ku busugire bw’Urwego rw’Imari na Politiki y’Ifaranga yakozwe na Banki Nkuru y’Igihugu (BNR) igaragaza ishusho y’amezi atandatu ya 2019.

Umutungo w’urwego rw’amabanki wariyongereye mu nzego zinyuranye zawo; inguzanyo zatanzwe zazamutseho 17.6% ziganjemo izo mu rwego rw’ubwikorezi n’itumanaho, amazi n’amashanyarazi, ubuhinzi n’imibereho rusange.

Cogebanque Plc yemewe nka Banki y’Ubucuruzi na Banki Nkuru y’u Rwanda (BNR) mu 1999, itangira gukora ku wa 17 Nyakanga muri uwo mwaka. Ifite amashami 27 mu gihugu hose aho ifite ibyuma bya ATM 34, aba-agents barenga 600 bayifasha gutanga serivisi zo gufunguza konti, kubitsa no kubikuza zirimo n’izifashisha ikoranabuhanga binyuze muri Internet Banking, Mobile Banking n’amakarita ya MasterCard (Debit, Credit na Prepaid) afasha abayakoresha kwishyura no kubikuza ahantu harenga miliyoni 36 ku Isi yose.

Umuyobozi ushinzwe Ubucuruzi muri Cogebanque, Kayonga Joel, yavuze ko nka banki bishimira guha ababagana serivisi iboneye
Banki Nyarwanda ya Cogebanque yagaruye serivisi y’inguzanyo ku mushahara igera kuri miliyoni 5 Frw, ikaba itangwa nta ngwate

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