Cogebanque yagejeje ku bigo bibyifuza serivisi zihariye z’imari

Yanditswe na Mukaneza M.Ange
Kuya 5 Nyakanga 2018 saa 09:21
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Kimwe mu byo ibigo by’ubucuruzi byitaho iyo bigiye guhitamo banki bikorana, ni ukureba umwihariko wa serivisi bizahabwa ndetse n’uburyo byitabwaho n’agaciro bihabwa.

Nka Banki Nyarwanda, Cogebanque ishyira imbere umukiliya ndetse iteka igarahanira gushyira mu bikorwa ibyo yamusezeranyije, ari nayo mpamvu nk’uko ikorana n’abantu ku giti cyabo mu buryo bunoze, ari na ko iha agaciro gakomeye ibigo ikorana nabyo.

Umuyobozi ushinzwe serivisi z’imari zigenewe ibigo muri Cogebanque, Songa Rwamugire, yavuze ko buri kigo gifitemo konti kigenerwa umuntu uzakurikirana ibyifuzo byabo byose, ndetse akanabagira inama zirebana na serivisi z’imari.

Ati “Bose baba ari inzobere mu byiciro bitandukanye ku buryo baba bazi ibyo ibigo bikeneye, bityo n’inama kuri serivisi babaha zikaba zijyanye n’ibyo bakora. Uburyo dukoresha mu guha agaciro abakiliya, bugaragaza neza ko bidashoboka ko ikintu kimwe kibanyura, ari nayo mpamvu ibisubizo dutanga bidatekerezwaho gusa natwe ubwacu, ahubwo n’abakiliya babigira uruhare.”

Rwamugire yakomeje avuga ko bakora ibishoboka byose kugira ngo ibigo bikorana na Cogebanque bihabwe serivisi z’umwihariko igihe basuye amashami yayo, aho nko ku cyicaro gikuru bashyiriweho icyumba kizwi nka ‘Prestige Banking’.

Ati “Muri ‘Presitige Banking‘, abakiliya bacu tubaha serivisi zose bakeneye kandi ahantu hababereye, bashobora kubitsa, kubikuza n’ibindi. No mu mashami yacu kandi abakiliya b’imena bazajya bahabwa serivisi zihariye.”

Ibigo bitiyandikishije muri ubu buryo bwihariye kandi bishobora kwifashisha internet (e-banking), mu guhemba abakozi, kwishyura umusoro, kohereza amafaranga n’ibindi kandi bitabaye ngombwa ko umuntu ave aho ari.

Si ibi gusa ariko kuko Cogebanque ikomeza kugenda ishaka uko yanoza serivisi zigenerwa abakiliya, by’umwihariko ibigo by’ubucuruzi aho nko mu gihe byaguze ibicuruzwa runaka, ariko bidafite amafaranga yuzuye yo kwishyura, iyi banki ishobora kubiguriza 70% y’akenewe yose (Working Capital Financing).

Hari n’igihe kandi usanga nk’ikigo cyatsindiye isoko runaka, ariko kigasabwa gutangira gukora kandi kitarishyurwa; aha Cogebanque nabwo ikiguriza 70% by’akenewe yose (Contract Financing Facility). Izi serivisi kandi ntizigenewe ibigo binini gusa, kuko muri Cogebanque n’ibigo bito n’ibiciriritse byakiranwa yombi.

Abakiliya basanzwe kandi nabo ntibibagiranye, kuko bagenda bashyirirwaho serivisi zitandukanye zituma barushaho kunogerwa, zirimo nko kwishyura serivisi n’ibicuruzwa bakoresheje telefoni, inguzanyo ku mushahara n’izindi.

Kuva mu 1999, Cogebanque yemewe nka Banki y’Ubucuruzi na Banki Nkuru y’u Rwanda (BNR). Mu myaka itanu ishize umutungo wayo n’inyungu byagiye byiyongera nibura ku kigero cya 20% buri mwaka.

Icyicaro gikuru cya Cogebanque
Umuyobozi ushinzwe serivisi z’imari zigenewe ibigo muri Cogebanque, Songa Rwamugire

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