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Ibyitezwe muri cyamunara ikozwe hifashishijwe ikoranabuhanga

Yanditswe na Kanamugire Emmanuel
Kuya 12 Nyakanga 2021 saa 07:40
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Cyamunara ni uburyo bw’igurisha ry’umutungo w’uwishyuzwa amafaranga wananiwe kwishyura ayo mafaranga ubwayo, cyangwa akinangira kuyishyura ku neza mu rwego rwo kurangiza inyandikompesha nk’imanza zaciwe n’inkiko, ibyemezo by’abacamanza, imanza z’inkiko Nkemurampaka, imyanzuro ya Komite z’Abunzi; amasezerano y’inguzanyo bagiranye na Banki cyangwa ibindi bigo by’imari, n’izindi Nyandikompesha.

U Rwanda rwiyemeje guteza imbere ikoreshwa ry’ikoranabuhanga mu mitangire ya serivisi z’inzego zitandukanye n’Urwego rw’Ubutabera rudasigaye inyuma.

By’umwihariko, mu mwaka wa 2020 hatangijwe uburyo bwa cyamunara ikoreshwa ikoranabuhanga hashingiwe ku itegeko Nº 22/2018 ryo ku wa 29/04/2018 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, cyane cyane ku ngingo yaryo ya 255 yateganyaga ko cyamunara ikorwa hakoreshejwe ikoranabuhanga.

Kubera ko iyi ngingo cyane cyane mu gace kayo ka (4) yateganyaga ko nyuma yo gupiganwa hakoreshejwe ikoranabuhanga, cyamunara ikomereza aho umutungo ugurishwa uri, ibyo bivuze ko ikoranabuhanga ryakoreshwaga igice, ari nayo mpamvu nyamukuru yatumye hakomeza kuboneka ibyuho muri iyi mikorere.

Ntibyabuzaga abakomisiyoneri n’abandi bafite inyungu ku giti cyabo kwivanga, konona no guteza akajagari ahabereye cyamunara nk’uko babikoraga mbere y’uko iryo tegeko risohoka.

Ahanini ibibazo byakunze kumvikana ni ugutesha agaciro imitungo igurishwa bikaviramo igihombo bene yo n’abishyuza, kuko uwishyuza atabonaga ubwishyu bwose, ndetse na nyirumutungo agasigara arimo undi umwenda usigaye kuburyo n’undi mutungo yazabona wazagurishwa nyamara iyo bigenda neza ubwishyu bwashoboraga kuboneka, na nyirumutungo agahabwa amafaranga asagutse nyuma yo kwishyura.

Mu gukemura ibi bibazo, ku bufatanye bwa Minisiteri y’Ubutabera n’izindi nzego, hashyizweho ikoranabuhanga rivuguruye rikoreshwa mu kugurisha imitungo mu cyamunara rikorerwamo imihango yose ya cyamunara kuva itangiye kugera isojwe.

Iri koranabuhanga rishamikiye ku risanzwe rikoreshwa mu gutanga ibirego mu nkiko no guhanahana amakuru arebana n’urubanza rizwi ku izina rya IECMS.

Uburyo bushya buzakora gute?

Impinduka nshya nk’uko zigenwa n’Iteka rya Minisitiri no 005/MOJ/AJ 21 ryo ku wa 7/6/2021 ryerekeye irangizwa ry’inyandikompesha, zigena ko cyamunara izajya ikorwa hifashishijwe ikoranabuhanga kugeza ku musozo wayo.

Amakuru yose ajyanye na cyamunara n’imitungo igurishwa azajya aboneka ku rubuga www.cyamunara.gov.rw rushamikiye ku ikoranabuhanga rya IECMS risanzwe rikoreshwa muri serivisi zo mu nkiko.

Ushaka kugura muri cyamunara umutungo ungana cyangwa urengeje agaciro ka miliyoni eshanu z’amafaranga y’u Rwanda abanza kwishyura kuri konti yamenyeshejwe ingwate y’ipiganwa isubizwa ingana na 5% y’agaciro k’uwo mutungo katangajwe mu itangazo rya cyamunara.

Ikoranabuhanga rivuguruye riteye ku buryo butuma uwishyuza na nyirumutungo bazajya babasha gukurikirana imihango ya cyamunara yose muri iryo koranabuhanga, kuko buri nyandiko yose umuhesha w’inkiko akoze izajya ishyirwa mu ikoranabuhanga.

Iri koranabuhanga kandi, riteye ku buryo abapiganirwa kugura mu cyamunara bazajya binjiza ibiciro bashaka gutanga mu ikoranabuhanga bikabikwa mu ibanga kuburyo upiganwa atazajya amenya igiciro cy’undi cyangwa ngo amenye umwirondoro wa mugenzi we kugeza igihe icyamunara irangiriye.

Ku munsi wa 7 ubarwa guhera umunsi ipiganwa ryatangiriye, ikoranabuhanga ririfungura rikagaragariza abapiganwe bose, uwishyuza, umuhesha w’inkiko na nyirumutungo ugurishwa igiciro gisumba ibindi mu bimaze gushyirwa mu ikoranabuhanga rikanabohereza ubutumwa bugufi kuri telefoni no kuri e-mail zabo.

Iyo igiciro kigaragajwe kiri munsi ya 75% y’agaciro k’umutungo kagenwe n’impuguke mu igenagaciro ry’imitungo, uwishyuza n’uwishyuzwa cyangwa nyirumutungo, bafite uburenganzira bwo kuba mu gihe cy’amasaha 24 abarwa kuva icyo giciro gitangajwe kucyanga bakoresheje ikoranabuhanga.

Icyo gihe, umuhesha w’inkiko nawe afite igihe cy’amasaha 24 abarwa guhera igihe ayo kwanga igiciro arangiriye, cyo gutangaza ko ipiganwa rikomeje. Icyo gihe nabwo, ku munsi wa 7, ikoranabuhangaryongera kugaragaza igiciro gisumba ibindi kigezeho, nabwo kikaba gishobora kwangwa iyo kiri munsi ya 75%;

Iyo bacyanze, ipiganwa rigakomeza ku nshuro ya 3, ku munsi wa 7 ikoranabuhanga rigaragaza ibiciro byose byatanzwe kuva ipiganwa ryatangira, ndetse n’amazina y’abapiganwe bose, cyamunara igatsindirwa n’uwatanze igiciro gisumba ibindi muri ibyo byose;

Iyo uwishyuza cyangwa nyirumutungo ntawanze igiciro kiri munsi ya 75% ku nshuro ya mbere, cyangwa ku ya 2 icyo gihe nabwo ikoranabuhanga rigaragaza amazina y’abapiganwe n’ibiciro batanze, cyamunara ikegukanwa n’uwatanze igiciro gisumba ibindi,

Uwatsindiye cyamunara, agomba kwishyura kandi agashyikiriza umuhesha w’inkiko gihamya y’uko yishyuye mu gihe kitarenze amasaha mirongo irindwi n’abiri (72). Iki gihe kibarwa uhereye ku isaha yamenyesherejweho ko ari we watsindiye cyamunara.
Iyo atishyuye, ya ngwate yatanze ingana na 5% iranyagwa igashyirwa mu isanduku ya Leta.

Ibi byose bigamije gukumira abinjiraga mu ipiganwa cyangwa aho cyamunara ibera batagambiriye kugura ahubwo bashaka guteza akavuyo nk’uko Minisitiri w’Ubutabera akaba n’Intumwa Nkuru ya Leta, Busingye Johnston, yavuze ubwo iri koranabuhanga ryatangizwaga ku mugaragaro ku wa 2 Nyakanga 2021.

Ati “Ubu buryo bushya bw’ikoranabuhanga dushyize ahagaragara buzifashishwa mu rwego rwo gukemura inenge zose zabonekaga muri cyamunara, zikaba zatumaga abaturage batakariza icyizere ubutabera. Ni byinshi bizakemuka nk’ibibazo byo gutesha agaciro imitungo y’abaturage byakorwaga n’abakomisiyoneri.”

Inyungu zo gukoresha ikoranabuhanga mu cyamunara

Gukoresha ikoranabuhanga bizatuma kurangiza inyandikompesha bikorwa mu mucyo.

Bizaha nyir’umutungo, uwafatiriye n’uwishyuzwa uburenganzira n’inshingano byo kuba bakwishakira abapiganwa bashobora gutanga amafaranga menshi ndetse bibe byagabanya imanza za hato na hato zajyaga ziregwamo Abahesha b’Inkiko ko bapfobeje imitungo nyamara ugasanga ntako batagize.

Ikindi ni uko Umuhesha w’Inkiko bizamurinda kujya aho umutungo ugurishwa uherereye byajyaga bituma rimwe na rimwe akorerwa urugomo hakiyongeraho ko aho umuntu wese yaba aherereye azaba ashobora gupiganira umutungo ugurishwa nk’uko bisobanurwa n’Umunyamabanga Nshingwabikorwa w’Urugaga rw’Abahesha b’Inkiko b’Umwuga BARINDA Anastase

Ati “Iyo bavugaga ngo abapiganwe mu ikoranabuhanga bajya aho umutungo uri mu cyiciro cya kabiri, abari i Washington, i Burayi, mu Bushinwa ntibashobororaga kuza aho umutungo uri. Ubu rero aho uri hose uzajya ukoresha uburyo bwashyizweho bwo kumenya amakuru nurangiza upiganwe ‘système’ yerekane uwatsinze.”

Ushaka gusura umutungo aho uherereye azajya asaba umuhesha w’inkiko amufashe kuwusura cyangwa amurangire aho uri ariko nta bantu bazongera guhura ari igiterane aho umutungo uherereye. Bizakuraho akajagarari k’abantu bahahuriraga ari benshi nyamara ugura ari umwe.

Biteganyijwe ko mu gihe ubwishyu bubonetse cyamunara itaratangira ihita ihagarara ariko uwishyuzwa akishyura ikiguzi cy’ibyakozwe ndetse n’igihembo cy’imirimo umuhesha w’inkiko w’umwuga yakoze.

Uburyo bw’ikoranabuhanga mu cyamunara si ubw’abifite gusa?

Ikoranabuhanga muri serivisi z’ubutabera si rishya ku banyarwanda bo mu ngeri zose cyane ko rikoreshwa mu gutanga ibirego no gusaba no gutanga izindi serivisi zitangwa n’ inkiko.

Muri gahunda ya cyamunara bisaba ko umuntu aba afite telefoni ishobora gukoreshwa mu buryo bw’ikoranabuhanga cyangwa mudasobwa ifite internet. Udafite ibye ku giti cye ashobora kwiyambaza undi umufasha cyangwa akagana café internet.

Ni muri urwo rwego Minisiteri y’Ubutabera yahuguye abafite cyber café hirya no hino mu gihugu, abakozi b’ Irembo basanzwe bamenyereye gufasha abakeneye serivisi zitandukanye z’ikoranabuhanga by’umwihariko mu by’ubutabera bakaba babafasha mu gutanga ibirego mu nkiko hifashishijwe IECMS nk’uko bitangazwa n’Umuyobozi wa Serivisi ishinzwe kwegereza abaturage ubutabera muri Minisiteri y’Ubutabera, Urujeni Martine.

Minisitiri w’Ubutabera akaba n’Intumwa Nkuru ya Leta, Johnston Busingye, ubwo yaganiraga n’abayobozi b’amabanki ku bijyanye no kurangiza cyamunara hifashishijwe ikoranabuhanga.
Umuyobozi Mukuru wa Serivisi ishinzwe kwegereza abaturage ubutabera muri Minijust, URUJENI Martine, ubwo yaganiraga n’abanyamakuru ku mpinduka muri cyamunara ikorwa hifashishijwe ikoranabuhanga
Urujeni Martine yavuze ko Minijust yahuguye abafite cyber cafe n’abakozi b’ Irembo hirya no hino mu gihugu kugira ngo bazajye bafasha abaturage muri serivisi za cyamunara ikozwe mu ikoranabuhanga
Umunyamabanga Nshingwabikorwa w’Urugaga rw’Abahesha b’Inkiko, Balinda Anastase asobanura inyungu za cyamunara ikozwe hifashishijwe ikoranabuhanga
Itangazamakuru ryasabwe uruhare mu kumenyekanisha impinduka nshya mu kurangiza inyandikompesha

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