Ni urutonde rukorwa na Global Banking and Finance Review, ikinyamakuru cyo mu Bwongereza kizobereye mu bijyanye n’imari n’iterambere ry’ubukungu.

Ni ihihembo I&M Bank (Rwanda) Plc yahawe bijyanye n’imirimo ikomeje gukora mu guteza imbere iki gice kigira uruhare runini mu iterambere ry’u Rwanda binyuze mu gushaka ibisubizo bitandukanye.

Bijyanye n’uko u Rwanda rwiyemeje kuba igihugu cya mbere ufite umushinga muto n’uciriritse abonamo amahirwe yo kuwuteza imbere I&M Bank na yo yiyemeje kujya muri uwo mujyo binyuze muri serivisi zinyuranye.

Imwe muri iyo mishinga iyi banki yatangije irimo iyo gutanga inguzanyo yihariye ku bigo by’ubucuruzi bito n’ibiciriritse byifuza kugura imodoka nshya n’izakoze binyuze mu bukangurambaga bwa ‘Agiserera na I&M Bank.’

Iyi gahunda izajya yemerera abafite ubucuruzi buto n’ubuciriritse kugurizwa ashobora kugera ku 100% y’ubwishyu bw’imodoka.

Iyo yunganirwa n’indi izwi nka ‘Iyubake na I&M Bank’ izafasha ibigo bito n’ibiciriritse by’imbere mu gihugu kubasha kugera ku mari yo kwagura ibikorwa, binyuze mu nguzanyo yihariye.

Binyuze muri gahunda ya Iyubake, abakiliya bafite inzu bahabwa inguzanyo ingana na 70% by’agaciro k’inzu batuyemo, naho abafite inzu zikodeshwa bazajya bahabwa ikubye inshuro 53 z’amafaranga binjiza mu bukode.

Bank (Rwanda) Plc, iherutse gukumbuza abagenerwabikorwa umushinga wiswe ‘Kataza’ ugamije gufasha imishinga ifitwe n’abagore n’urubyiruko yo mu mahoteli n’ubukerarugendo, aho yiyemeje ko mu myaka itatu izaba yarafashije imishinga mito n’iciriritse 500 na yo ihange imirimo ibihumbi 12.500.

Ku bufatanye na Mastercard Foundation abagenerwabikorwa ba ‘Kataza’ bemerewe inguzanyo kugeza ku bihumbi 100$ (arenga miliyoni 133 Frw) badasabwe ingwate ndetse uyihawe akazajya yishyura inyungu ya 9% gusa.

I&M Bank kandi yateguye gahunda y’ubufatanye n’ibigo bitandukanye biyifasha gukemura ikibazo cy’ingwate nka kimwe mu byazitiraga abafite imishinga mito n’iciriritse kubona inguzanyo.

Umuyobozi Mukuru wa I&M Bank (Rwanda) Plc, Benjamin Mutimura, yavuze ko uretse gushimishwa no kuba bongeye kwakira icyo gihembo, bigiye gutuma bongera imbaraga mu kuzamura icyizere bagirirwa nk’abafatanyabikorwa mu guteza imbere abafite iyo mishinga mu Rwanda.

Ati “Turajwe ishinga no gukomeza guhanga ibisubizo na serivisi bitagamije guhaza gusa ibyifuzo by’abakiliya ahubwo tukabikora tugamije no kwagura imishinga yabo. Iki gihembo kigiye gutuma dukomeza gufatanya na leta mu guteza imbere gahunda yo guhanga imirimo ishyira ku iterambere ryuzuye ry’uru rwego.”

Uretse serivisi z’imari, I&M Bank (Rwanda) Plc, yiyemeje no kubakira ubushobozi ba rwiyemezamirimo binyuze mu kubaha serivisi zitajyanye n’amafaranga y’ako kanya cyane cyane mu kwita ku bagore n’urubyiruko, bijyanye no kubongerera ubumenyi bw’uko bazamura ubucuruzi bwabo.

Mu kubakira ubushobozi iyo mishinga mito n’iciriritse, I&M Bank (Rwanda) Plc yatangije na ‘one-stop center’ ifasha abo bantu kubona serivisi zikomatanyije, nk’inguzanyo, serivisi za noteri, ubujyanama n’ibindi bifasha uwihangira umurimo guhangana muri uru rwego rusaba ubumenyi bwinshi.

U Rwanda rwakomeje guteza imbere cyane kuko nk’Ikigega gishinzwe guteza imbere imishinga mito n’iciriritse, BDF mu 2021 cyatangaje ko mu myaka icumi kimaze gitangiye cyafashije imishinga hafi 45.000 mu gihugu hose yatanzweho miliyari 87 Frw, imibare yiyongereye.

I&M Bank Rwanda yongeye kwegukana igihembo cya banki ya mbere mu gihugu yita ku mishinga mito n’iciriritse