Yabigarutseho ku wa 11 Werurwe 2026 mu Nama Mpuzamahanga y’lhuriro ku ikoranabuhanga rikoreshwa mu mabanki n’ibigo by’imari “Inclusive Fintech Forum 2026”.
Minisitiri w’Intebe Dr Nsengiyumva Justin yagaragaje ko guteza imbere ikoranabuhanga mu by’imari mu Rwanda byatumye abantu benshi batangira guhererekanya amafaranga byihuse.
Imibare ya 2024 igaragaza ko abagerwaho na serivisi z’imari ari 96% barimo 92% bazigeraho binyuze muri banki cyangwa Mobile Money.
Ati “Guhererekanya amafaranga hakoreshejwe ikoranabuhanga byariyongereye cyane, bituma abantu benshi bagerwaho na serivisi z’imari kandi abantu benshi bagira uruhare mu bukungu bw’igihugu. Binyuze mu guhanga ibishya mu ikoranabuhanga, umuhinzi wo mu cyaro yishyurwa ako kanya, rwiyemezamirimo ukiri muto ashobora kubona inguzanyo binyuze kuri telefone, n’ikigo cy’ubucuruzi gito gishobora kugera ku isoko mpuzamahanga aho ari ho hose mu gihugu.”
Dr Nsengiyumva yavuze ko ikoranabuhanga mu by’imari rishobora gufasha Afurika kuba igicumbi cy’ubucuruzi kandi byigaragaza.
Ati “Amahirwe ya Afurika yo kuba igicumbi cy’ubucuruzi no guhanga ibishya ni ukuri. Umusingi w’izi mpinduka uzaba ukomeye kuko ni ikoranabuhanga ridaheza mu by’imari rizafasha gukusanya imari yifashishwa mu bikorwa bikomeye by’umugabane harimo ingufu, ibikorwaremezo by’ikoranabuhanga, iby’inganda no kongerera ubushobozi abaturage.”
Yashimangiye ko ikoranabuhanga rifite uruhare rukomeye muri uru rugendo kuko ryagura uburyo bwo kugeza serivisi z’imari kuri bose, rikagabanya ikiguzi cyo guhererekanya amafaranga kandi rigafasha miliyoni z’abaturage n’ibigo by’ubucuruzi kugira uruhare rwuzuye mu bukungu.
Yagaragaje ko muri ibi bihe ikibazo cy’ubudahangarwa kuri serivisi z’ikoranabuhanga, uburyo bwo kwishyurana bwizewe no gucunga amakuru bitakiri ikibazo cya tekiniki gusa ahubwo ari ryo shingiro ryo kubaka ubukungu butajegajega no kwigenga mu bukungu bwihuta cyane mu iterambere.
Ati “U Rwanda rwakemuye iki kibazo mu buryo burambye. Mu myaka irenga 20 ishize twakoze ishoramari rikomeye mu byerekeye ikoranabuhanga nk’uburyo burambye bwo kugera ku ntego, twenda no kugera ku ntego yo kugeza 4G ku bantu bose mu gihugu.”
Minisitiri w’Intebe Dr Nsengiyumva yavuze ko serivisi za Leta nyinshi zashyizwe ku ikoranabuhanga bituma zihuta kandi zigera neza kuri buri wese.
Yavuze ko nubwo hari ibyagezweho hari n’ibindi bigikeneye imbaraga kuko ikoranabuhanga mu by’imari rijyana no guhabwa serivisi mu buryo bungana, kwizerana no gusangira ubukungu.
Ati “Abahanga ibishya muri Afurika bakomeje kugaragaza ko ibisubizo byahangiwe aha, byaba mu kwishyurana hakoreshejwe ikoranabuhanga n’ibindi byakemura ibibazo by’imbere ku mugabane ariko bikanahindura ubukungu bw’Isi.”
Yashimangiye ko u Rwanda rwiteguye gufatanya na buri wese mu kubaka ubukungu bwa Afurika bushingiye ku ikoranabuhanga.
Guverineri wa Banki Nkuru y’u Rwanda, Soraya Hakuziyaremye, yavuze ko kuva mu 2008, Abanyarwanda bakuru bagerwagaho na serivisi z’imari bari 21% mu gihe ubu abakuru bafite konti muri banki bageze kuri 92% cyangwa bakoresha serivisi za Mobile Money.
Yagaragaje ko hakenewe ubufatanye hagati y’ibigo bigenzura ibigo by’imari mu bihugu bitandukanye bya Afurika hagamijwe gusangira ubumenyi, ikoranabuhanga no gusigasira agaciro k’ifaranga rya buri gihugu.
Ati “Ifaranga koranabuhanga, uburyo bwo kwishyurana bunoze, ikoranabuhanga rihanitse n’ubwenge buhangano ntabwo bikiri mu bitekerezo, ubu turabibona bigira uruhare mu guhindura uburyo duhererekanyamo amafaranga, dushora imari n’uburyo tugenzura ibigo by’imari kuri Isi. Bigaragaza ko ahazaza h’urwego rw’imari ari uyu munsi, ikibazo kigasigara ku kwibaza niba ibigo byacu by’imari byiteguye kujyana n’ibishya bihangwa uyu munsi.”
Kugeza ubu mu Rwanda abarenga 75% by’abantu bakuru bafite konti muri banki zitandukanye mu gihe bari 25% mu myaka 10 ishize.
Amafoto: Cyubahiro Key
