Uburyo ikoranabuhanga na “Agents” byatumye Equity Bank iza mu ziri ku isonga mu Rwanda

Yanditswe na Mukaneza M.Ange
Kuya 18 Gicurasi 2018 saa 09:56
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Imibare yonyine irivugira! Mu gihe Equity Bank Rwanda yinjiye ku isoko ry’u Rwanda nka banki y’ubucuruzi mu 2011, mu myaka irindwi yonyine ubu iri muri banki eshanu za mbere zihagaze neza mu gihugu.

Mu myaka imaze kuri iri soko, Equity Bank Rwanda yubatse imikorere ihereye ku busa mu gihe hari nka banki zigura izisanzwe zikora cyangwa ibigo by’imari, kugeza aho imaze kugira abakiliya basaga miliyoni, ndetse serivisi zayo ziboneka mu gihugu hose hifashishijwe abayihagarariye ‘Agents’ barenga 1500.

Aba ba ‘Agents’ bagira uruhare runini mu korohereza Abanyarwanda n’Abaturarwanda guhererekanya amafaranga, kuko binyuze kuri bo, hahererekanywa asaga miliyari 17Frw buri kwezi.

Umutungo wa Equity Bank nawo wiyongera umunsi ku munsi, kuko kugeza ku wa 30 Nzeri 2017, wabarirwaga muri miliyari zirenga 156 Frw uvuye kuri miliyari zisaga 124 Frw mu gihe nk’icyo mu 2016, mu gihe inyungu yasagaga miliyari 2.5 z’Amafaranga y’u Rwanda, ivuye kuri miliyari 2.03Frw mu mwaka wabanje.

Burya isuku igira isoko! Uku kuzamuka mu gihe gito kwa Equity Bank Rwanda ifite inkomoko muri Kenya ntikwa byayigwiririye kuko ibikomora kuri Equity Group yayibarutse. Kugeza ku wa 30 Nzeri 2017 yari ifite umutungo usaga miliyari 518.2 z’Amashilingi ya Kenya, ni ukuvuga asaga miliyari 4 400 Frw, uvuye kuri miliyari 3 900 Frw mu gihe nk’icyo mu 2016.

Equity Group yashinzwe mu 1984 yaje ku mwanya wa 11 mu kubona inyungu zikomoka ku mutungo, uwa 37 muri banki zifite ubushobozi bwo guhanga n’ingaruka zishobora gutera ibihombo, ndetse n’uwa 45 mu zabonye inyungu ku mari shingiro, ku rutonde rwa Banki 1000 zo muri Afurika zahize izindi mu 2017 rwakozwe na The Banker.

Uku kuza mu myanya ya mbere kwa Equity Group bigirwamo uruhare n’amashami yagiye igaba hirya no hino muri Kenya ari naho ifite icyicaro gikuru, ndetse no bindi bihugu birimo Uganda, Sudani y’Epfo, Tanzania, Repubulika Iharanira Demokarasi ya Congo n’u Rwanda.

Aba ‘agents’ n’ikoranabuhanga ku ruhembe rw’imbere

Nk’uko bigaragazwa n’imibare ya Equity Group, 91% y’amafaranga yose yahererekanyijwe, hifashishijwe uburyo bw’abahagarariye iyi banki ndetse n’uburyo bw’ikoranabuhanga burimo ATM, telefoni igendanwa na internet.

Muri miliyoni 341.3 z’Amashingili ya Kenya zahererekanyijwe, miliyoni 30.3 zonyine nizo zanyuze mu buryo bwa banki busanzwe.

Mu kiganiro na IGIHE, Umuyobozi w’Ishami rishinzwe ibikorwa muri Equity Bank Rwanda, Stanley Nganga, yavuze ko mu 2012 aribwo batangiye gukorana n’abantu batandukanye batanga serivisi z’iyi banki, kuko basanze ariyo nziza yoroshye yo kwegereza abaturage benshi zerivisi z’imari.

Yagize ati “Byatumye na ba bandi batari kubasha kugera kuri serivisi z’imari zibageraho byoroshye hatagize usigara inyuma. Amafaranga yose ufite ushobora kuyazigama bitagusabye kwishyura urugendo cyangwa ikindi cyose.”

Uretse kuba aba bahagarariye Equity Bank Rwanda borohereza abantu kubitsa no kubikuza dore ko akenshi baba begereye ahantu hakunze guhurira abantu benshi, cyangwa hari ibikorwa by’ubucuruzi, banagira uruhare runini mu gutinyura abantu gutangira kugana banki, kuko babafasha gufungura konti.

Banagira uruhare runini kandi mu gutinyura abantu kwaka inguzanyo, babagira inama ndetse bakabaherekeza muri uru rugendo, ibintu bigira uruhare runini mu gutuma Equity Bank yabaye banki ya 14 yatangiye gukorera mu Rwanda, iza muri eshatu za mbere zitanga inguzanyo ku mishinga mito n’iciriritse.

Kugeza ubu Equity Bank Rwanda ifite amashami 13 yonyine mu Mujyi wa Kigali no mu zindi ntara.

Ubu intego ni ugushyira imbaraga mu ikoranabuhanga, aho iza muri banki nke ufungura konti uwo munsi ugatahana ikarita ya ATM ikurinda kugendana amafaranga mu ntoki, kuko unayikoresha mu kwishyura ibicuruzwa na serivisi zitandukanye.

Iyi banki yashyize imbaraga mu kwegereza abakiliya serivisi aho bitakiri ngombwa ko batonda umurong bajya kuri banki

‘EAZZY Banking’ yaje ari agahebuzo

Nubwo amakarita ya ATM yakoraga byinshi, Equity Bank Rwanda ntiyashyize agati mu ryinyo, ahubwo yakomeje gushaka icyatuma kugera kuri serivisi z’imari birushaho koroha, izana ‘EAZZY Banking’, ifasha kubona ibyo ukeneye byose muri banki ukoresheje telefoni igendanwa.

Iyi porogaramu yatangiye mu 2017, ikubiyemo serivisi zitadukanye zirimo EazzyLoan ituma ubasha kwaka inguzanyo kugera kuri miliyoni 25Frw utagiye kuri banki, EazzyPay ifasha kwishyura no kwishyurira abawe ibicuruzwa na serivisi zitandukanye bitabaye ngombwa ugera aho zitangirwa.

Ifite kandi na Diaspora Banking yoroshya koherezanya amafaranga ku bari hanze y’u Rwanda, ndetse n’izindi zirimo EazzySave, EazzyNet, EazzyBiz na EazzyAPI.

Nganga yavuze ko impamvu bashyira imbaraga muri ibi byose aruko bazi neza ko mu minsi iri imbere ikoranabuhanga rizahindura uburyo serivisi z’imari zitangwa ku buryo rizanasimbura aya mashami aba yubatse mugace runaka, kuko abakiliya bazaba bafite ubushobozi bwo kwihereza icyo bakeneye muri banki yabo.

Igenzura ryakozwe na FinScope mu 2016 ryagaragaje ko Abanyarwanda 89% bagerwaho na serivisi z’imari, umubare urenga intego u Rwanda rwari rwarihaye ko 2017 izasiga zigera kuri 80%.

Muri bo 26% nibo bakoreshaga banki, 65% bagakoresha ubundi buryo burimo konti za telefoni, Umurenge Sacco, Ibigo by’ubwishingizi n’ibigo by’imari iciriritse.

Mu bice bitandukanye, uhabona aba agent ba Equity bank bafasha abantu muri serivisi zitandukanye zayo zirimo kubitsa no kubikuza

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