Urubyiruko rwakoze ikoranabuhanga rizarinda ibigo by’ubwishingizi guhombera mu manyanga akorerwa mu magaraje

Yanditswe na Iradukunda Serge
Kuya 16 Werurwe 2020 saa 09:12
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Itsinda ry’abanyeshuri bane biga amasomo y’ikoranabuhanga mu ishuri ry’imyuga rya Kigali Integrated College babifashijwemo na mwarimu wabo n’ubuyobozi bw’ishuli bakoze ikoranabuhanga rya Electronics Claims Management System, ECMS rizafasha ibigo by’ubwishingizi gukuraho ibihombo baterwaga n’amanyanga abera mu igaraje igihe umukiliya wabo yakoze impanuka bagomba kumukoreshereza imodoka.

Ibi uru rubyiruko rwabikoze rugamije gushaka igisubizo ku kibazo cy’ibihombo bikabije byibasiye ibigo by’ubwishingizi nk’uko byagiye bigaragazwa na Banki nkuru y’igihugu BNR.

Ikibazo cy’ibihombo mu bigo by’ubwishingizi cyagarutsweho cyane mu 2018,ubwo banki nkuru y’igihugu yatangazaga ko ibigo by’ubwishingizi bihomba arenga miliyari 6 buri mwaka.

Iki gihe iyi banki yagaragaje ko ibigo by’ubwishingizi byigenga byahombye miliyari 8.3 Frw mu 2013; miliyari 12.2 Frw mu 2014; miliyari 12.5 Frw mu 2015; miliyari 13.4Frw mu 2016 na miliyari 6.9 Frw mu 2017.

Mu 2017 ni bwo bwa mbere ibi bigo by’ubwishingizi byari bihombye amafaranga make angana na miliyari 6.9 Frw aho nk’ubwishingizi bw’ibinyabiziga bwari bwihariyemo igihombo cya miliyari 4.3 Frw.

Igitera ibihombo mu bwishingizi bw’ibinyabiziga

Mu busanzwe iyo umuntu akoze impanuka, Polisi iraza ikagera aho impanuka yabereye igakora raporo y’uko yagenze, ku wakoze impanuka ushaka ko ikigo cy’ubwishingizi bakorana kimwishyurira amafaranga yo gukoresha imodoka ye iyi raporo ajya kuyisaba akayijyana ku kigo cy’ubwishingizi bakorana.

Iyo ikigo cy’ubwishingizi kimaze gusuzuma iyi raporo cyohereza umugenzuzi cyahisemo kujya kureba uko imodoka yangiritse akanashaka igaraje rizayikora.

Muri ubu bwumvikane hagati y’umugenzuzi n’igaraje niho hashobora kuvuka uburiganya buhombya ibigo by’ubwishingizi, aho umugenzuzi yumvikana na nyiri igaraje akandika ibyangiritse byinshi kugira ngo n’amafaranga abe menshi.

Muri bwa buriganya, iyo nyiri igaraje amaze kwishyurwa n’ikigo cy’ubwishingizi amafaranga y’umurengera agira umubare runaka aha wa mugenzuzi.

Nyuma yo kureba no kwitegereza ibyago n’ibihombo biterwa n’iyi nzira binyuramo ngo uwakoze impanuka ikinyabiziga cye kikangirika yishyurwe, itsinda ry’abanyeshuri bane biga mu Ishuri ryigisha imyuga rya Kigali Integrated College( KIC) bakoze ikoranabuhanga bise Electronics Claims Management System, ECMS rizafasha ibigo by’ubwishingizi guhangana n’ibi bihombo.

Ni ikoranabuhanga ryakozwe na Mugiraneza Amani, Uwineza Denyse, Uwase Honorine na Irakoze Blaise bafatanyije na mwarimu wabo Iyaturemye Jean Claude.

Uko ikoranabuhanga ry’uru rubyiruko ritanga igisubizo

ECMS izafasha mu koroshya inzira byanyurangamo ngo umuntu akoresherezwe ikinyabiziga ihuza amakuru hagati ya polisi, ibigo by’ubwishingizi na nyiri imodoka ubundi amagaraje nayo ahatanire isoko ryo gukora imodoka.

Uwase Honorine ati “iri koranabuhanga ryacu rije gukuraho iyo nzira yose ku buryo umugenzuzi ntaho azajya ahurira n’amafaranga kuko nyiri ikinyabiziga azajya abasha kwivugira uko impanuka yagenze afotore avuge ibyabaye ariko bidakuyeho raporo ya Polisi”

Ibi bizakorwa ibigo by’ubwishingizi, amagaraje ndetse n’abanyiri ibinyabiziga bafunguza konti muri iyi sisteme ya ECMS banyuze ku rubuga Www.umuhuza.rw.

Mu gihe impanuka imaze kuba Polisi izajya ikora raporo nirangiza iyishyire muri ECMS igere ku bwishingizi, nyiri ikinyabiziga nawe akore raporo ye ayoherereze ku kigo cy’ubwishingizi akoresha.

Nyuma yo kohereza ubu butumwa ibigo by’ubwishingizi nabyo bizajya bihita bibona ko hari umukiliya wabyo wakoze impanuka,ubundi bishake umugenzuzi ujya kureba uko ikinyabiziga kimeze ubundi nawe akore raporo ayihe ikigo cyamutumye.

Ikigo cy’ubwishingizi nikimara kubona ibi byose kizajya gishyira ku rubuga amafoto y’imodoka zangiriste maze amagaraje azaba yarafunguje konti muri ECMS ahatanire amasoko yo kuzikora.

Aha igaraje rizajya rivuga igihe runaka rishobora kuyikoramo n’amafaranga ryabaca, maze ibigo by’ubwishingizi nabyo bihitemo uwayikora mu gihe gito kandi ku mafaranga make.

Imodoka nirangiza gukorwa nyiri ikinyabiziga azajya kukireba ajyanye n’impuguke ivuye mu kigo cy’ubwishingizi barebe niba igaraji ryarakoze ibintu uko babyumvikanye, maze nibasanga ari byo babisinyire, ubundi nyiri igaraje yishyurwe.

Irakoze Blaise nk’umwe mu bagize itsinda ryakoze ECMS aganira na IGIHE yavuze ko iri koranabuhanga rizanafasha amagaraje atajyaga abona amasoko kubera ko abagenzuzi bari bafite amagaraje runaka bakorana bihoraho ariko ubu bakazabasha kuyabona kuko ipiganwa rizajya riba mu mu mucyo.

Kugeza uyu munsi iri koranabuhanga ryamaze kugenzurwa n’ubuyobozi w’Ishyirahamwe ry’ibigo by’ubwishingizi mu Rwanda, ASSAR, hakaba hasigaye kwegera ibindi bigo bireba rikabona gutangira gukoreshwa kumugaragaro.

Irakoze Blaise na Uwase Honorine ni bamwe bagize itsinda ry'abantu 4 bakoze ECMS
Amagaraji, ibigo by'ubwishingizi na nyiri ikinyabiziga bose bazajya babasha gufungura konti muri iri koranabuhanga
Amagaraje azajya abanza arebe ikibazo imodoka ifite abone gupiganwa
Kigali Intergrated College isanzwe itanga amasomo y'ubumenyangiro

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