Banki zikomeye zikoresha miliyari 6 Frw mu kubungabunga amafaranga ahererekanywa mu ntoki

Yanditswe na Bukuru JC
Kuya 24 Gicurasi 2020 saa 01:34
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Ishyirahamwe ry’Amabanki mu Rwanda, RBA, rivuga ko kwimakaza ikoranabuhanga mu guhererekanya amafaranga byagabanyiriza Amabanki umutwaro wo kubungabunga inoti n’ibiceri akoresha.

Muri iyi minsi Isi ihanze amaso ikoranabuhanga mu bikorwa bitandukanye by’umwihariko mu guhererekanya amafaranga nk’uburyo bwo kugabanya ikiguzi cyo kuyabungabunga.

Banki Nkuru y’Igihugu (BNR) igaragaza ko kwishyurana hifashishijwe ikoranabuhanga byihutisha ubukungu kandi amafaranga atakara mu bucuruzi akagabanuka.

Imibare yo mu 2017 igaragaza ko nibura buri mwaka BNR itakaza miliyari 2 Frw zo gukoresha inoti nshya n’ibiceri bisaza kubera guhererekanywa mu ntoki.

U Rwanda rwihaye intego ko mu 2024, amafaranga abarirwa ku kigero cya 80 % y’umusaruro mbumbe w’igihugu azahererekanywa hifashishijwe ikoranabuhanga, avuye kuri 34.6% mu 2019.

Guhererekanya amafaranga mu ikoranabuhanga bikorwa hifashishijwe Mobile Banking, Internet Banking, imashini zishyurirwaho zizwi nka POS n’ubundi.

Mu Rwanda uburyo bwo guhererekanya amafaranga hakoreshejwe telefoni nibwo bugera ku baturage benshi kuko abasaga miliyoni enye babukoresha.

Umubare w’amafaranga yahererekanyijwe mu Rwanda hifashishijwe ikoranabuhanga hagati ya Mutarama na Mata 2020, wageze kuri miliyari 40 Frw, bivuze ko yiyongereye ku kigero cya 450 % avuye kuri miliyari 7.2 Frw zahererekanyijwe mu cyumweru cya mbere cya Mutarama 2020.

Banki y’Igihugu BNR ivuga ko kudakoresha ikoranabuhanga bitera igihombo cya 6% mu bucuruzi mu gihe kurikoresha bituma igihombo kigabanuka kikagera kuri 2%.

Gukoresha inoti n’ibiceri bitwara BNR abarirwa hagati ya miliyari 2-3 Frw buri mwaka, yose agenda ku bikorwa byo gusimbuza inoti zishaje, gukora ibiceri ariko utabariyemo imishahara y’abakozi.

Umuyobozi Mukuru wa RBA, Robin Bairstow, akaba n’Umuyobozi wa I&M Bank, yatangaje ko amabanki ahendwa no kubungabunga amafaranga ahererekanywa mu ntoki.

Yabwiye RBA ati “Ufashe nka banki eshanu za mbere wasanga zikoresha nka miliyari esheshatu mu mirimo yo kwita ku mafaranga harimo nk’ubwikorezi bwayo, hagati yacu na Banki Nkuru y’Igihugu. Iyo umuntu aje muri banki akishyura amafaranga, akeneye gutwara mu ntoki amafaranga menshi hari ibigo [bicunga umutekano] dukorana nabyo tuba tugomba kubyishyura. Ibyo byose ni amafaranga yishyurwa kandi kugeza uyu munsi ari ku mutwe wa za banki kuko nizo ziyishyura.’’

Yakomeje ati “Ubirebeye mu ndorerwamo y’ubucuruzi rero usanga tubashije kugabanya amafaranga ahererekanywa mu ntoki, abakiliya bakitabira gukoresha ikoranabuhanga byafasha urwego rw’imari kuzigama amafaranga atari make.’’

Muri banki z’ubucuruzi 16 zikorera mu Rwanda, 15 nizo zikoresha Mobile Banking iha umukiliya ubushobozi bwo kubitsa no kubikuza akoresheje telefoni igendanwa.

Iri koranabuhanga rikoreshwa n’ababarirwa muri miliyoni ebyiri bavuye ku 155 000 mu myaka 10 ishize mu gihe amafaranga ahererekanywa yavuye kuri miliyari 5 Frw, agera kuri miliyari 85 Frw.

Banki 13 ni zo zikoresha Internet Banking, yifashishwa n’abacuruzi n’ibigo by’ubucuruzi bibarirwa mu 100 000 mu bikorwa byo guhererekanya amafaranga. Mu 2019, hahererekanyijwe abarirwa muri miliyari 2000 Frw binyuze muri Internet Banking.

Ibikorwa byo guhererekanya amafaranga arenze miliyoni eshanu bikorwa hifashishijwe ikoranabuhanga rya RIPPS rikorera muri BNR, buri mwaka abakiliya banini na za banki barinyuzaho miliyari 10 000 Frw.

Umuyobozi ushinzwe Iterambere rya Serivisi muri Banki Nkuru y’Igihugu, BNR, Karamuka John, yavuze ko hari kunozwa uko umubare wa za sheke cyangwa izindi mpapuro zikoreshwa mu buryo bwo kwishyurana wagabanuka.

Yagize ati “Icyo Banki Nkuru iri gukora ni uko hari icyo iri kongera kuri ubwo buryo [system] ngo ishobore gukora amasaha 24/24.’’

“Izindi serivisi zisaba ko amafaranga make yishyurwa, hari undi mushinga dufite aho duhuza za Sacco, ibigo by’imari iciriritse, za banki. Ku buryo niba uri muri Airtel ushobora koherereza uri muri MTN, cyangwa uri muri banki akoherereza uri muri Sacco. Ni ibindi bikorwa remezo bizafasha kubona izo serivisi mu buryo bwihuse.’’

Imibare ya BNR yerekana ko mu mezi abiri ashize amafaranga yahererekanyijwe hifashishijwe ikoranabuhanga yikubye inshuro eshatu, bitewe n’ivanwaho ry’ikiguzi cy’iyo serivisi cyafashwe mu kwirinda ikwirakwira rya Coronavirus.

Banki zikomeye mu Rwanda zikoresha miliyari 6 Frw mu kubungabunga amafaranga ahererekanywa mu ntoki

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