Hagiye koroshywa ihererekanya ry’amafaranga hagati ya sosiyete z’itumanaho mu Rwanda

Yanditswe na Ferdinand Maniraguha
Kuya 16 Ugushyingo 2017 saa 04:10
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Banki Nkuru y’Igihugu (BNR) n’Ikigo gifasha mu guhuza uburyo bwo kwishyura hakoreshejwe ikoranabuhanga (RSwitch) biri mu biganiro n’ibigo by’itumanaho mu Rwanda (MTN, Tigo na Airtel) ngo bihuze umurongo ku buryo ushaka kohereza amafaranga kuri mugenzi we akoresha nimero y’ikindi kigo adakatwa amafaranga y’umurengera.

Ubusanzwe ufite amafaranga kuri telefone ashaka kuyoherereza cyangwa kwishyura undi badakoresha umurongo umwe w’itumanaho biramugoraga. BNR irashaka ko byoroshwa; bikazihutisha ubukungu budashingiye guhererekanya amafaranga mu ntoki (Cashless economy).

Guverineri wa BNR, John Rwangombwa, kuri uyu wa Kane atangizaga ubukangurambaga bushishikariza abaturage kwishyura hakoreshejwe ikoranabuhanga yavuze ko nk’uko amabanki akorana, n’ibigo by’itumanaho bigomba guhuza imikorere ku bohererezanya amafanga.

Yagize ati “Ntabwo uyu munsi ushobora kohereza amafaranga uyakuye kuri MTN ngo uyohereze kuri Tigo cyangwa Airtel, ibyo rero ni bimwe mu byo turiho dukora. Ngira ngo hashize nk’amezi atatu amabanki hafi ya yose yakuyeho amafaranga yo kuvana amafaranga kuri konti yawe ya banki uyashyira kuri konti yawe ya telefoni, ubundi byarahendaga, amafaranga bayakuyeho kugira ngo abantu babimenyere, kandi uko baba benshi niko n’iyo bazabigarura igiciro kizaba cyagiye hasi.”

Guverineri wa BNR, John Rwangombwa yashimangiye ko u Rwanda rugomba kwihutisha ubukungu budashingiye ku guhererekanya amafaranga mu ntoki

Umuyobozi wa Rswitch, Gaga Jean Claude, yavuze ko ubu ibiganiro bigeze kure kugira ngo ibigo by’itumanaho bitangira guhuza umurongo, uwohereje cyangwa uwohererejwe amafaranga agacibwa make.

Yagize ati “Iyo abantu bahurijwe ku muyoboro umwe igiciro kiragabanuka kuko niba wenda umuyoboro wari kwishyura miliyoni ebyiri, iyo mufatanyije buri wese yishyura nk’igice n’abakiliya bikabahendukira …Mu bigo by’itumanaho bitatu tumaze gukorana na bibiri, icya gatatu nacyo turifuza ko cyakwisanga kuri uyu muyoboro ku buryo umwaka utaha utangira byose twabihurije hamwe.”

Umuyobozi w’Urugaga rw’Abikorera (PSF), Gasamagera Benjamin, yasabye ko n’amafaranga abacuruzi batanga kuyo umukiliya yishyuye akoresheje imashini zishyurirwaho (POS) nayo yakurwaho kuko atuma igihombo ku bacuruzi cyiyongera, abandi bagatinya kuzikoresha.

Ubusanzwe ukoresha iyo mashini, ku ihererekanya rimwe umukiliya akoze, umucuruzi aba agomba kwishyura hagati ya 2 na 4 % y’ayo umukiliya amuhaye bitewe n’ubwoko bw’ikarita ya banki yakoresheje.

Ibi bituma abacuruzi batitabira gukoresha izo mashini nubwo BNR yagaragajeko no kwihyurwa mu ntoki babihomberamo.

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 n’ibindi.

Gasamagera yavuze ko amafaranga umucuruzi yishyura imashini zo kwishyuriraho avuyeho byatuma benshi bifuza kuzikoresha kandi bikavanaho na cya gihombo.

Umuyobozi w’Ihuriro ry’amabanki mu Rwanda, Maurice K. Toroitich, yavuze ko bari kwiga uko amafaranga akatwa bitewe n’ikarita ya banki yakoreshejwe yagabanuka ariko ntibihombye na banki.

Yagize ati “Iyo ufite imashini ya POS cyangwa iyo wishyurwa hakoreshejwe ikoranabuhanga , uburyo banki yungukira muri iri hererekanya ni ugufataho ijanisha runaka kuyo wishyuye, amabanki ari gushaka uko yakuraho icyo giciro ariko ku buryo nabo batazahahombera , bakabasha kubona ikiguzi bashoyemo.”

Amabanki ahomba miliyari 15 z’amanyarwanda buri mwaka agenda ku bikorwa byo guhererekanya amafaranga hakoreshejwe ikoranabuhanga.

Rwangombwa yavuze ko nubwo guhererekanya amafaranga mu ikoranabuhanga bigihenze mu byaro, hari ubundi buryo bukoresha kode buzwi nka QR buhendutse buzafasha abantu kwishyura bakoresheje amafaranga ari kuri telefone zabo.

Yagize ati “Ubu haje icyitwa QR code, ni akantu k’agashushanyo ka kode, wowe utungaho telefone yawe ugafotora, igahita iguha aho ushyira amafaranga wishyura n’aho ushyira umubare w’ibanga. Ari umumotari bazafata ako gapapuro bagashyire ku ngofero ye, agutware nugera aho ujya ufotore ka kantu kari ku ngofero ye umwishyure; ari ucuruza ibirayi mu isoko azaba agafite iruhande rwe.”

Minisitiri w’ikoranabuhanga, Nsengimana Jean Philbert, yavuze ko amaze amezi atandatu nta faranga rigera mu ikofi ye kubera kwishyura akoresheje ikoranabuhanga, agasanga ubwo buryo nibwihutishwa inoti n’ibiceri bizasigara mu nzu ndangamurage.

Ati “Ubukungu bushingiye ku guhererekanyaamafaranga hifashishijwe ikoranabuhanga ntawe uzabuhagarika. Ni igihe gusa izo noti n’ibiceri dukoresha uyu munsi bikazajya biboneka mu nzu ndangamurage gusa.”

Kubera gusaza kw’inoti bya hato na hato, BNR isohora miliyari ebyiri z’amanyarwanda buri mwaka yo kujya gukoresha amafaranga mashya.

U Rwanda rufite intego ko mu mwaka wa 2024, amafaranga abarirwa ku kigero cya 80 % y’umusaruro mbumbe w’igihugu azajya ahererekanywa hifashishijwe ikoranabuhanga.

Umuyobozi wa RSwitch, Jean Claude Gaga
Umuyobozi wa PSF, Gasamagera Benjamin
Umuyobozi wa Banki ya Kigali, Dr Diane Karusisi
Guverineri wa BNR, John Rwangombwa yashishikarije Abanyarwanda kugana ikoramnabuhanga mu kwishyurana
Umuyobozi wa Entreprise URWIBUTSO, Sina Gerard
Umuyobozi wa Prime Insurance, John Mirenge

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