Ubundi CRBs (Credit Reference Bureaus) cyangwa se ‘Credit Bureaus (CB)’ mu bihugu bimwe, ni ibigo bikusanya amakuru ku myenda bikayasangiza aho akenewe mu gufata ibyemezo nko mu bigo by’imari ariko n’ibindi bigo cyangwa abantu ku giti cyabo bashobora kwaka ayo makuru.

Ni ukuvuga ko CRB/CB atari ikigo cyo mu gihugu runaka ahubwo ni inyito rusange ku bigo bitanga iyo serivisi aho bishobora kugumana iryo zina cyangwa bikagira irindi.

Ibi bigo biba byigenga kandi byinjiza mu buryo bw’ubucuruzi ariko mu gihugu bikoreramo bicungwa n’urwego runaka rwa Leta cyane cyane banki nkuru z’ibihugu.

Mu Rwanda ubu izi nshingano ziri mu maboko ya TransUnion Rwanda kuva mu 2016 nyuma y’uko sosiyete ya CRB Holdings yari ifite izi nshingano yari imaze kugurwa bituma icyari CRB Africa-Rwanda kiba TransUnion Rwanda.

Mbere, mu Rwanda inshingano zo kwegeranya no gucunga amakuru ku myenda zakorerwaga muri Banki Nkuru y'Igihugu (BNR) ariko haza gushyirwaho amategeko bituma kuva mu 2010 izi nshingano zitangira gukorwa n’ikigo cyigenga cyaje kuba TransUnion Rwanda nyuma.

Umuyobozi Mukuru wa TransUnion Rwanda, Mutabazi Didier yabwiye IGIHE ko gutangira iyo micungire mishya ari inyungu mu kwagura imikorere no kunoza serivisi.

Ati “Iyo uri mu kigo kinini gikorera ku Isi hose hari byinshi wunguka mu gusangira inararibonye n’ubundi buryo bw’imikorere.”

Icyakora nubwo TransUnion ari ikigo mpuzamahanga gikorera mu bihugu birenga 30, amakuru ku myenda gikusanya aba ari ay’imbere mu bihugu hakurikijwe amategeko yaho ku buryo abakiliya bacyo baba badafitweho amakuru ahatari mu bihugu byabo.

Kugeza ubu TransUnion Rwanda ifite amakuru ku bantu bahabwa serivisi zijyanye n’inguzanyo mu Rwanda barenga miliyoni 4,3 kandi mu myaka itanu ishize uyu mubare wiyongereye ku rugero rwa 85%; bigaragaza ko abafata inguzanyo mu gihugu biyongera cyane.

Gusangira amakuru ku myenda

Mutabazi yasobanuye ko kugira ngo ibigo by’imari n’ibindi bitanga serivisi zo gutanga inguzanyo bizitange bishingira ku buryo abakiliya bitwara mu bijyanye n’inguzanyo kugira ngo bitaguriza umuntu utazishyura cyangwa bagaha umuntu umwenda mwinshi akazananiwa kuwishyura bigateza igihombo.

Yasobanuye ko uretse umwirondoro w’uwafashe inguzanyo nk’umuntu ku giti cye, banakusanya amakuru y’ibigo n’imikorere yabyo mu gihe ari byo byafashe inguzanyo hakiyongeraho imikoreshereze n’imyishyurire by’inguzanyo ikigo cyangwa umuntu yafashe mbere iyo atari ubwa mbere agurijwe.

Aya makuru, atangwa mu buryo buhoraho n’ibigo by’imari akabikwa mu buryo bw’ikoranabuhanga kandi agahita avugururwa akajyanishwa n’igihe.

Ni ukuvuga ko aya makuru ibigo by’imari biha TransUnion Rwanda ku nguzanyo bitanze, ari yo ashyirwa hamwe ku buryo ahandi umuntu yatse inguzanyo baka amakuru kuri we bakabasha gufata icyemezo gikwiye.

Ati “Hari uburyo bw’ikoranabuhanga abakiliya bacu baduha ayo makuru noneho tukayakoramo raporo ishobora guhabwa abayafiteho uburenganzira bose.”

Ni ukuvuga ko nk’amakuru banki ishobora guhabwa ku muntu aba akubiyemo ibijyanye n’imikoreshereze n’uburyo yishyuye cyangwa yushyura inguzanyo yaba yarigeze gufata mu bindi bigo by’imari byose.

Ku bantu ku giti cyabo, amakuru bafiteho uburenganzira ni ajyanye n’imikoreshereze y’inguzanyo n’imyishyurire y’izabo bwite gusa ndetse no ku kigo cyafashe inguzanyo ni ko bigenda ndetse ibyo bishobora gukorwa ukanze *707#.

Icyakora, no ku muntu usanzwe adafata inguzanyo mu gihe akeneye kumenya amakuru ajyanye na zo kuri we agana CRB/CB cyangwa agaca mu ikoranabuhanga bakamuha raporo igaragaza uko ahagaze yasanga hari ibyo atemeranya na byo akabikosoza.

Aha ni nko mu gihe hari serivisi umuntu akeneye kwaka akenshi zijyanye n’ubucuruzi, noneho agasabwa kwerekana iyo raporo ijyanye n’uko ahagaze muri serivisi z’imari by’umwihariko inguzanyo ari yo ashobora gukosoza mu gihe hari nk’amakuru asanzemo atari yo.

Gutanga ayo makuru ni serivisi TransUnion Rwanda itanga ku buntu buntu rimwe mu mwaka kuri buri uyikeneye ariko iyo inshuro zirenze imwe zirishyurwa.

TransUnion Rwanda igaragaza abafashe inguzanyo mu Rwanda, amakuru agaragaza ko abarenga 90% bazishyura neza ndetse bijyanye n’igipimo cy’izishyurwa neza kuko muri Kanama 2026 BNR yagaragaje ko ziri kuri 3.0% kandi icyo ni igipimo kidateje ikibazo cyane kuko kiri munsi ya 5%.

Mutabazi ati “Iyo inguzanyo nyinshi iyo zishyurwa neza mu gihugu bifasha ibigo by’imari guha abakiliya babyo inguzanyo nyinshi na bo bakabasha kwiteza imbere bikazamura n’ubukungu bw’Igihugu muri rusange.”

Kutishyura inguzanyo neza, bibaho mu gihe amasezerano yo kuyishyura atubahirijwe mu gihe uwanze kwishyura bya burundu we ashyirwa ku rutonde rwa ba bihemu ndetse n’ikigo cyamugurije kikabibara nk’igihombo.

Kuba umuntu yarigeze kuba mu batishyura neza inguzanyo by’umwihariko ku rwego rwa ba bihemu, nubwo yaba yarageze aho akishyura bishobora gutuma adahabwa indi mu gihe kizaza.

Uretse amabanki n’ibigo by’imari iciriritse harimo na za SACCOs, TransUnion inatanga amakuru ku bigo by’ubwishingizi ndetse n’ibindi bigo bitanga serivisi z’inguzanyo nk’ibigo by’itumanaho ndetse n’ibindi bitanga ingzuzanyo ariko bitabikira abantu amafaranga nka Banki y’Amajyambere y’u Rwanda n’ibindi.

Mutabazi, yavuze ko mu gihe kiri imbere bateganya kwagura serivisi batanga zikiyongeramo n’amakuru ku ihererekanya ry’amafaranga kuri telefone ku buryo ababikora ariko bataka inguzanyo, mu gihe bakeneye inguzanyo za banki iryo hererekanya ryashingirwaho higwa ku kubaguriza.