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Ibanga ryatumye Abanyarwanda bakoresha serivisi z’imari zanditse bikuba gatatu mu myaka 12 gusa

Yanditswe na Ndahayo Emmanuel
Kuya 8 June 2024 saa 09:40
Yasuwe :

Ejo bundi aha mu myaka 15 ishize, gukoresha serivisi z’imari mu Rwanda byari umugani kuko mbarwa ari bo bazigeraho, nk’uko ubushakashatsi bwa Finscope bwakozwe mu 2008 bubyerekana, kuko umubare w’abantu bakuru bakoresha serivisi z’imari wari 47% gusa.

Muri abo bantu, 21% gusa nibo bakoresha serivisi z’imari mu bigo byanditse (formal), mu gihe abakoresha banki by’umwihariko bari 14% gusa, aho ari bo bari bafite konti muri banki ndetse banagera kuri serivisi z’imari.

Iyi mibare yari hasi cyane, kandi ntabwo bishoboka ko wateza imbere igihugu abantu badakoresha ibigo by’imari, kuko ari byo bituma bizigamira bakazakora ishoramari rirambye, ari nako bashobora kubona inguzanyo ituma bashyira mu bikorwa imishinga ibazamura, ikanazamura igihugu binyuze mu guhanga imirimo no gutanga imisoro.

Niyo mpamvu Leta yashyizeho ingamba zidasanzwe zigamije kuzamura umubare w’abakoresha serivisi z’imari mu Rwanda, dore ko igihugu cyari mu rugendo rukiganisha kuri Vision 2020.

Ku ikubitiro, hagombaga kubanza gukemurwa ibibazo bituma abantu badakoresha serivisi z’imari, nk’uko byagarutsweho na Ivan Murenzi, Umuyobozi Mukuru Wungirije w’Ikigo cy’Ibarurishamibare (NISR), Ivan Murenzi.

Mu kiganiro kigaruka ku kugeza serivisi z’imari kuri bose, cyatangiwe mu Nama igaruka ku ruhare rwa banki nkuru z’ibihugu mu iterambere rirambye, Murenzi yavuze ko u Rwanda rumaze kubona imibare iri hasi cyane y’abakoresha serivisi z’imari, rwihutiwe kumenya impamvu.

Ati “Ibibazo byari ukugera kuri serivisi z’imari, kumenya serivisi z’imari ndetse n’ubuke bwa serivisi z’imari.”

Yavuze ko serivisi z’imari ari ingenzi cyane mu buzima bwa muntu, ati “nk’uko mubizi kugera kuri serivisi z’imari ni ikintu cy’ingenzi mu iterambere ry’ubukungu. Twabigereranya no kwiga, kubona amazi n’umuriro w’amashanyarazi.”

Ibi byatumye inzego zose bireba zihaguruka zishakisha igisubizo, kwegereza abaturage serivisi z’imari bigaragara nk’ingingo y’ingenzi, ari nabwo gahunda y’Umurenge SACCO yatangira gushyirwamo imbaraga.

Ati [Binyuze] mu Murenge SACCO, twashoboye kugeza ikigo cy’imari muri buri murenge w’u Rwanda, aho 90% by’abantu bakuru, bashobora kubona serivisi z’imari batarenze ibilometero bitanu [uvuye aho batuye].”

Ibi byabaye imbarutso yo kuzamura abakoresha serivisi z’imari ku buryo mu bushakashatsi bwa Finscope mu 2020, byagaragaye ko abakoresha serivisi z’imari mu Rwanda bageze kuri 93%, abagera kuri 77% bagakoresha uburyo bwanditse (formal) mu gihe abakoresha serivisi za banki bavuye kuri 16% bakagera kuri 36% by’abantu bakuru mu gihugu, ni ukuvuga kuva ku bantu hafi ibihumbi 500 ukagera ku bantu hafi miliyoni eshatu.

Mu bushakashatsi bwa Finscope 2024 buri hafi kujya hanze, Murenzi yirinze kuvuga umubare w’abakoresha serivisi z’imari, gusa avuga ko "uri hejuru cyane bishimishije.”

Yanatanze icyizere cy’uko mu myaka 10 iri imbere, umubare w’abakoresha serivisi z’imari uzakomeza kwiyongera “abizigamira by’igihe kirekire bakiyongera n’abakoresha serivisi z’ubwishingizi nabo bazazamuka,” ikintu avuga ko kizagira ingaruka nziza cyane ku rwego rw’imari mu Rwanda.

Umuyobozi Mukuru Wungirije w’Ikigo cy’Ibarurishamibare, Ivan Murenzi, yavuze ko u Rwanda rwateye intambwe ishimiishije mu kuzamura umubare w'abakoresha serivisi z'imari
Guverineri wa Banki Nkuru ya Cambodia, Rath Sovannorak, ni umwe mu batanze ikiganiro
Umuyobozi Mukuru wa Reserve Bank of India Innovation hub, RaJesh Ranjan, ni umwe mu batanze ikiganiro

Amafoto: Kwizera Moses


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