Banki ya Kigali mu rugendo rwo gufasha abayigana kubona serivisi zose badasabwe kugendana amafaranga

Yanditswe na Ishimwe Alain
Kuya 16 Ukwakira 2020 saa 02:34
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Banki ya Kigali ikomeje urugendo rwo kwagura serivisi zayo z’ikoranabuhanga ku isoko ry’imari mu gihugu, ari nako yagura uburyo bukoreshwa mu guhererekanya amafaranga, yorohereza abayigana mu bikorwa byabo no kurushaho gucunga umutekano w’amafaranga yabo.

Ni gahunda yashyizwemo imbaraga nyinshi, ndetse ijyanye n’igihe kuko uretse kuba ari ho iterambere rigana, ni n’uburyo bukwiye muri ibi bihe byo kwirinda ko guhererekanya amafaranga mu ntoki byakwirakwiza COVID-19.

U Rwanda rwihaye intego ko mu 2024, amafaranga abarirwa ku kigero cya 80% y’umusaruro mbumbe w’igihugu azajya ahererekanywa hifashishijwe ikoranabuhanga, avuye kuri 34.6% mu 2019. Ni umuco ugenda utera imbere kuko nko mu 2011 hahererekanyijwe mu buryo bw’ikoranabuhanga miliyari 5 Frw, mu gihe mu 2017 yageze kuri miliyari 57 Frw.

Mu gukomeza gushyigikira icyo cyerekezo cy’igihugu, Banki ya Kigali yakomeje kwimakaza ikoranabuhanga ryorohereza abaturarwanda kugera kuri serivisi z’imari.

Ni ikoranabuhanga ribumbatiye imikoreshereze y’amakarita mu kubikuza ku byuma bya ATM cyangwa kwishyura ibicuruzwa runaka ku tumashini twa POS [Point of Sales], cyangwa guhahira kuri internet mu Rwanda no mu mahanga.

Banki ya Kigali ifite amakarita arimo ‘Credit Card’ atangwa kuva mu 2012 na ‘Debit Card’ akoreshwa kuva mu 2011 ndetse na ‘Prepaid Card’. Aya makarita akoreshwa muri serivisi zirimo guhaha, kwishyurira abana amashuri, kugura amatike y’indege hirindwa ubujura no gukoresha amafaranga mu buryo butateganyijwe.

Debit Card yemerera umuntu kubikuza amafaranga afite kuri konti ye mu gihe Credit Card ihabwa umunyamushahara,umucuruzi n’undi ubishaka nk’inguzanyo, akaba yayifashisha n’igihe kuri konti adafiteho amafaranga.

Byukusenge Tharcissie ushinzwe ibijyanye n’amakarita muri Banki ya Kigali, yabwiye IGIHE ko Debit Card itangirwa ku mashami yose ya BK ndetse uyishaka ahita ayibona. Umuntu uyikoresheje iyo afashe amafaranga kuri ATM hari amafaranga make acibwa, mu gihe ukoresheje POS cyangwa ahashye kuri internet iyo serivisi ayibona nta kiguzi.

Umukiliya wa banki ahabwa ikarita ya Credit card nyuma yo gusuzuma ko nta kirarane ku zindi nguzanyo yafashe muri banki, amaze byibura amezi atatu acisha umushahara we muri BK, mu gihe ku mucuruzi hagenzurwa ingano y’amafaranga acisha kuri konti.

Byukusenge yakomeje asobanura ko ikarita ya Credit card yemerera nyirayo kubona inguzanyo ingana n’umushahara atahana, mu gihe ku mucuruzi hagenderwa ku mafaranga anyuzwa kuri konti.

Prepaid Card yo ntisaba kuba usanzwe uri umukiliya wa BK kuko n’udafitemo konti yemerewe kuyihabwa nyuma yo kuzuza ifishi yo gusaba iyo karita. Iyi karita ni nziza cyane kuko ushobora no kuyisabira abana bagiye kwiga, kuyihemberaho abantu bakora bubyizi cyangwa kuyitwaza ugiye ku rugendo.

Ikindi ni uko iyi karita ikora nk’izindi zose twavuze haruguru, kuko ubasha kuyishyuza kuti POS, kuri murandasi (internet) ndetse ukaba wanabikuza kuri ATM.

Ayamakarita yose ntagira umupaka kuko ushobora kuyahahisha kuri murandasi wicaye iwawe mu rugo cyangwa uri mu biro, ibyo wahashye bikoherezwa kuri aderesi watanze.

Byukusenge yavuze ko bashyize imbaraga mu kwigisha abakiliya imikoreshereze y’ikoranabuhanga n’uburyo bakwiye kubika imibare y’ibanga mu kwirinda ubujura.

POS zarimakajwe mu kwishyurana

Banki ya Kigali yimakaje ikoranabuhanga rifasha abantu kwishyurana hifashishijwe imashini za POS, ziboneka mu maguriro manini, farumasi, amaduka, utubari, restaurants, ibitaro, sitasiyo za lisansi, ibigo by’itangazamakuru, sosiyete z’indege n’ibindi.

Umukozi muri Banki ya Kigali ushinzwe ubucuruzi bwa serivisi z’ikoranabuhanga, Joselyne Mutesi, yabwiye IGIHE ko abaturage bazakomeza gufashwa kubona serivisi zose binyuze mu ikoranabuhanga.

Yakomeje avuga ati “Abakiliya bari basanzwe baza muri banki baje kubaza serivisi z’ikoranabuhanga bariyongereye ku kigero cya 30% mu gihe cya Guma mu rugo. Barabyumva kuko abakiliya babo babibabazaga cyangwa Minisiteri y’Ubuzima na Banki Nkuru y’Igihugu babashishikarije kudahererekanya amafaranga mu ntoki.’’

Banki ya Kigali yatangiye gukorana n’abacuruzi bakoresha POS kuva mu 2012, ubu imaze kugeza mu gihugu hose izisaga 3,000.

POS zihabwa bacuruzi bose babyifuza k’ubuntu bakanahabwa amahugurwa yo kuyikoresha k’ubuntu n’ubufasha bw’umunsi k’uwundi bahabwa n’abakozi ba BK babishinzwe.

Izi mashini ni inyungu ku mukiliya kuko zigabanya ibyago byo kwibwa no kuba yahabwa amafaranga y’amakorano ndetse ihererekanya ry’amafaranga rikaba ryizewe rinafitiwe gihamya.

Serivisi zagejejwe hafi yawe binyuze mu ba-agent

Kuva mu 2013, Banki ya Kigali yashyizeho abayihagarariye mu bice bitandukanye by’igihugu bazwi nk’aba-agent (Agents).

Aba batanga serivisi ku baturage n’abandi bakorera cyangwa batuye hafi yabo ndetse bagafasha banki gukangurira abaturarwanda serivisi z’imari kandi zigezweho.

Joselyne Mutesi yakomeje avuga ko buri mwaka hari intambwe iterwa kandi ifatika muri serivisi batanga.

Ati “Abajenti ba BK batanga serivisi zo kubitsa, kubikuza, kwishyura ku bigo by’amashuri na kaminuza, kwishyura fagitire, unite, serivisi z’Irembo no kohereza amafaranga, aho ushobora koherereza umuntu udafite konti muri BK.”

Umukiliya ugana umu ajenti wa Banki ya Kigali yitwaza gusa indangamuntu kugira ngo ahabwe serivisi z’imari yifuza kandi mu buryo bwihuse.

BK ifite aba ajenti barenga 2,000 bari mu mfuruka zose z’igihugu, hakaba hari intego yo kubongera, no kuzamura inyigisho by’umwihariko zijyanye na serivisi baha ababagana ndetse no gutanga serivise inoze.


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