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Hakuweho ikiguzi ku bohereza amafaranga hagati ya konti zabo za banki n’iza Mobile Money

Yanditswe na Iradukunda Serge
Kuya 22 Kanama 2021 saa 10:15
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Banki Nkuru y’u Rwanda yakuyeho amafaranga yakatwaga umuntu igihe akura amafaranga kuri telefone ye (Mobile Money) ayohereza kuri konti ye ya Banki, cyangwa ayakura kuri konti ya banki ayohereza kuri telefone ye.

Umwanzuro wo gukuraho aya mafaranga ukubiye mu mabwiriza mashya ya BNR. Iki cyemezo kirahita gitangira kubahirizwa, ariko kikaba kireba gusa amafaranga yajyaga acibwa kuri konti ebyiri (iya mobile money n’iya banki) ariko z’umuntu umwe.

Uyu mwanzuro ufashwe nyuma y’impungenge zari zimaze iminsi zigaragazwa n’abantu bavuga ko kuba umuntu acibwa amafaranga igihe yohereje amafaranga kuri konti ye yo muri banki ayakuye kuri telefone, bishobora gutuma intambwe u Rwanda rumaze gutera mu bijyanye no kudahererekanya amafaranga mu ntoki rusubira inyuma.

Muri Gicurasi uyu mwaka, BNR yari yatangaje ko iri kwiga kuri iki kibazo kijyanye no gushyiraho ibiciro kuri serivisi z’imari zitangwa hifashishijwe ikoranabuhanga.

Aya mabwiriza mashya yashyizweho umukono na Guverineri wa Banki Nkuru y’u Rwanda, John Rwangombwa avuga ko “amafaranga acibwa igihe habayeho ihererekanya ry’amafaranga hagati ya konti ya mobile money na konti ya banki zose z’umuntu umwe abujijwe.”

Uretse aya mafaranga, BNR yanakuyeho inyungu amabanki yajyaga yishyura ibigo by’itumanaho binyuze muri konti bifite mu mabanki atandukanye zishyirwaho aya mafaranga abakiliya baba babikije kuri telefone.

Mu busanzwe banki zajyaga zishyura inyungu iyo umukiliya yakuraga amafaranga kuri konti ye akayashyira kuri konti ikigo runaka cy’itumanaho gisanzwe gishyiraho amafaranga abakiliya babikije kuri mobile money.

Iyi nyungu ya 6% amabanki yishyura yakunze kuvuga ko ariyo ntandaro y’amafaranga umukiliya yacibwaga igihe yohereza amafaranga kuri konti ye yo muri banki ayakuye kuri telefone.

Gukuraho iki kiguzi byitezweho kuzafasha muri gahunda zo kwishyurana hakoreshejwe ikoranabuhanga no gucika ko guhererekanya amafaranga mu ntoki.

Imibare ya Banki Nkuru y’Igihugu igaragaza ko mu 2020 agaciro k’ibikorwa byo kwishyurana hakoreshejwe ikoranabuhanga ugereranyije n’Umusaruro Mbumbe w’Igihugu (GDP) kageze kuri 54%.

Urugendo rw’u Rwanda mu kwimakaza gahunda yo kwishyura hakoreshejwe ikoranabuhanga rwatangiye mu 2008. Ibijyanye no kwishyura hakoreshejwe ikoranabuhanga byatangiye gutera imbere hagati y’umwaka wa 2012 na 2016, agaciro k’ibikorwa byo kwishyurana hakoreshejwe ikoranabuhanga ugereranyije n’Umusaruro Mbumbe w’Igihugu kagera kuri 16.1%.

Mu mwaka wa 2018/2019 binyuze mu ngamba zitandukanye Guverinoma y’u Rwanda yagiye ishyiraho, ikigero cyo kwishyurana hakoreshejwe ikoranabuhanga cyavuye kuri 16.1% kigera kuri 34.6%, nyuma y’umwaka umwe mu 2020 uyu mubare wongeye gutumbagira ugera kuri 54% ahanini biturutse ku ngamba zafashwe mu rwego rwo gushishikariza abantu gukoresha ikoranabuhanga mu kwishyurana mu gihe cya “Guma mu rugo” hirindwa ikwirakwira ry’ubwandu bwa COVID-19.

Kuba abantu benshi baritabiriye gukoresha ikoranabuhanga bivuze ko hari umubare munini w’abahererekanyaga amafaranga mu ntoki wagabanutse, ari nako u Rwanda rugenda rukabya inzozi rwihaye ko bizagera mu 2024 kwishyura hakoreshejwe ikoranabuhanga biri ku kigero cya 80%.

Guhererekanya amafaranga mu ntoki, abahanga mu bukungu berekana ko bifite ingaruka zirimo kuba umubare w’abatari bake utagerwaho na serivisi z’imari ndetse bigateza n’ibihombo bitandukanye.

Inyigo yakozwe na BNR yagaragaje ko umucuruzi ahomba 6% y’amafaranga yacuruje uwo munsi bitewe no kuba bamubeshya bakamwishyura make, kuba bamuha amafaranga y’amiganano, kuyamwiba, umwanya wo kuyabara n’ibindi.

Iyi nyigo yagaragaje kandi ko ku mwaka BNR isohora amafaranga miliyari ebyiri ijya gukoresha inoti nshyashya zisimbura iziba zashaje kubera guhererekanywa mu ntoki.

BNR yanagaragaje ko kubera guhererekanya amafaranga mu ntoki, banki zihomba miliyari 15 Frw buri mwaka agenda mu kwishyura abakozi n’ibikorwa byifashishwa habungabungwa umutekano w’amafaranga y’abakiliya, hubakwa amashami hirya no hino n’ibindi.

BNR yakuyeho amafaranga yacibwaga umuntu uhererekanya amafaranga hagati ya konti ye yo muri banki y’iya mobile money

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