00:00:00 IGIHE NETWORK KN KINYARWANDA EN ENGLISH FR FRANCAIS

Abanyarwanda 93% bagerwaho na serivisi z’imari; ahakiri amasubyo n’ibitanga icyizere

Yanditswe na Akayezu Jean de Dieu
Kuya 19 July 2022 saa 11:04
Yasuwe :

Mu 1998, Guverinoma y’u Rwanda yatangije gahunda yo guteza imbere urwego rw’imari no kwegereza serivisi zarwo abaturage kugira ngo igihugu kigere ku ntego yo kugira ubukungu buciriritse Icyo gihe uretse kuba mu Rwanda harabarizwaga banki zitarenze eshatu n’abaturage ubwabo ntibari bafite umuco wo gukorana na zo.

Raporo ya FinScope Rwanda mu 2008, yagaragaje ko Abanyarwanda 14% bari bagejeje ku myaka y’ubukure ari bo bagerwagaho na serivisi z’imari binyuze mu bigo biciriritse na za banki, ni ukuvuga ko bari bafite za konti bigasobanura ko abandi basigaye bose bari bakibika amafaranga ku musego, mu bimuga, mu ngutiya n’ahandi.

Hashyizweho politiki ebyiri zo guteza imbere urwego rw’imari, iyo mu 1998-2012 ndetse n’indi ya 2013-2018. Zose zashyiriweho gukwirakwiza serivisi z’imari no kuzamura ireme ryazo no kuzigeza ku Banyarwanda bose ntawe usigaye inyuma.

Byakozwe hubakwa ubushobozi bw’abaturage mu kuba bakora ibikorwa bibinjiriza amafaranga ariko binajyana n’ubukangurambaga bwo kwigisha ibyiciro birimo abagore, urubyiruko, abafite ubumuga n’abo mu byiciro byo hasi by’ubudehe n’abandi bigishwa akamaro ko gukorana n’ibigo by’imari.

Intambwe yaratewe kuko imibare ya Banki Nkuru y’Igihugu mu 2020, igaragaza ko abagera kuri serivisi z’imari ari 93%. Abo barimo abakorana banki, ibigo by’imari biciriritse, amakoperative nk’Umurenge Sacco n’Umwarimu Sacco ndetse n’ibimina.

Abakorana n’ibigo by’imari byanditse birimo amabanki n’ibiciriritse bo bageze kuri 77%. Icyuho kiri mu kugeza abaturage bose abagore bo bageze kuri 92%, ariko abakorana n’ibigo by’imari n’amabanki n’ibigo by’imari bageze kuri 74%.

Iyi raporo ya BNR kandi igaragaza ko Abanyarwanda 36% [ ni ukuvuga abarenga miliyoni 2,6 bagejeje imyaka y’ubukure] bafite za konti muri banki.

Intambwe idasubira inyuma

Ntabwo ari kera! Mu myaka mike ishize, kugira ngo ubashe kubitsa amafaranga cyangwa kuyabikuza kuri banki, byasabaga kujya gutonda umurongo rimwe na rimwe ugakora urugendo rurerure nko kuva i Rulindo uje kuri BK i Kigali.

Ibyo byarahindutse kubera ko ubu buri Murenge ufite banki yawo [Umurenge Sacco], ndetse kuri banki z’ubucuruzi ntabwo bikiri ngombwa kujya gutonda imirongo kuko serivisi nyinshi zikorwa hifashishijwe telefone.

Abanyarwanda ntibakijya gutonda imirongo kuri za banki, hari aba Agents babegereje serivisi z'imari

Raporo iheruka ya BNR, igaragaza ko amakonti y’abakiliya muri Kamena 2021, yari ageze kuri miliyoni 5,1. Ni ukuvuga ko hafi kimwe cya kabiri cy’Abanyarwanda bafite konti muri banki.

Ikindi kandi u Rwanda rutangiye gushyira imbaraga mu bikorwa byo kwishyurana no kugura ibintu bitandukanye hakoreshejwe ikoranabuhanga aho guhererekanya amafaranga ku ntoki kandi imibare ya BNR igaragaza ko iyi nzira nshya igenda irushaho gucengera mu baturage uko imyaka iza indi igataha.

Iyi banki igaragaza ko agaciro k’ibikorwa byo kwishyurana hakoreshejwe ikoranabuhanga ugereranije n’Umusaruro mbumbe w’Igihugu (GDP) mu 2021 kageze kuri 95,5% kavuye kuri 57,6% muri Kamena 2020.

Raporo ya BNR y’ibikorwa byo mu 2021 igaragaza ko ikigereranyo cy’ingano y’ibyishyuwe n’umuturage umwe hakoreshejwe ikoranabuhanga cyageze kuri 81,1% kivuye kuri 47,4% muri Kamena 2020.

BNR igaragaza ko banki 11 ari zo zitanga servisi za banki hifashishijwe telefoni mu gihe muri Kamena 2021, abakoresha izo servisi bari 2.080.549. Igiciro cy’ibyo bikorwa cyo cyari kigeze kuri 209.8Frw.

Umubare w’abakoresha murandasi mu kwishyurana muri Kamena 2021 wari abantu 106.312, naho agaciro k’ibikorwa byo kwishyurana kari miliyari 1,605 . Banki icyenda zitanga servisi za banki hakoreshejwe urubuga rwa internet rwa banki.

Umubare w’abakoresha telefoni mu kwishyurana mu buryo buhoraho wari abantu 6.129.624 muri Kamena 2021 naho umubare w’amakarita akoreshwa mu kwishyurana wari 1442.250.

Umubare w’ibikorwa byo kwishyurana hakoreshejwe telefoni byari 424.792.238 muri Kamena 2021 mu gihe agaciro k’ibikorwa byo kwishyurana byari miliyari 5.169.

Abakoresha Mobile Money biyongera buri munsi

Kutizera serivisi z’imari n’inyungu ku nguzanyo bikomeje kuba inzitizi

BNR igaragaza ko nubwo Abanyarwanda 93% bagerwaho na serivisi z’imari, abenshi babarirwa muri serivisi z’imari zitagenzurwa kuko bagera kuri 78%. Ni ukuvuga ko zitanditse.

Guverineri wa Banki Nkuru y’Igihugu, John Rwangombwa aherutse kubwira Abasenateri ko impamvu zituma 100% ritagerwaho.

Ati “7% isigaye usanga ari abantu bari mu cyaro bafite ubukene, binjiza amafaranga make cyane ariko ugasangamo n’abantu bafite ubumuga, ikindi ni abagore n’urubyiruko nabo badafite amahirwe ku kazi na bariya bakoresha serivisi z’imari zitanditse.”

Yakomeje agira ati “Abo bakoresha serivisi z’imari zitanditse n’ubwo barimo bagerwaho nazo ariko ni byiza gukorana n’ibigo by’imari kuko bitanga ubushobozi butuma abantu bakomeza kongera imitungo yabo.”

Perezida wa Komisiyo y’Iterambere ry’ubukungu n’imari muri Sena, Nkusi Juvenal, aherutse kuvuga ko hakiri imbogamizi zinyuranye zituma serivisi zitagera ku baturage uko bikwiye aho amafaranga menshi ari mu rwego rw’imari, 60% byayo ari mu mabanki y’ubucuruzi, mu gihe za Sacco zihariye gusa 5% nyamara ari zo zegereye abaturage.

Agaragaza ko ikibazo cy’inyungu ku nguzanyo gihangayikishije abaturage uhereye kuri za Sacco zigeza no ku gipimo cya 21% nyamara zibereyeho korohereza abaturage, ibi bigatera impungenge kuko abaturage bangana na 61% bavuga ko badafitiye icyizere ibigo by’imari.

Guverineri Rwangombwa avuga ko mu bikiri imbogamizi harimo kuba abantu batizera serivisi z’imari.

Ni ibintu ariko avuga ko biterwa no kuba hari abantu bajya bahura n’ibibazo, ugasanga wenda bakeneye amafaranga yo kubikemura ariko kuzayabona kuri banki bikaba ingorabahizi.

Ati “N’ikindi cyo kutikura mu kibazo cyihutirwa gusaba ubushobozi bw’amafaranga cyane nk’iyo umuntu agize ikibazo kugira ngo ugire aho witabaza ha vuba byihutirwa, aho hazamo ikibazo.”

Hari ikibazo cy’inguzanyo zihabwa abahinzi zitararenga na 5% nyamara ari rwo rwego rurimo abaturage benshi. Ikindi kibazo kiri mu kuguriza abacuruzi bato n’abaciriritse barimo abahinzi aho usanga hari abo bigora kuba bakwishyura inguzanyo.

Muri buri Murenge hari Umurenge Sacco, aho abaturage babitsa bakanaguza amafaranga muri iyi banki
Banki z'ubucuruzi mu Rwnada zikomeje kwiyongera mu Rwanda ari nako bijyana n'umubare w'abafunguza konti

Kwamamaza

Kwamamaza

Kwamamaza

TANGA IGITEKEREZO

AMATEGEKO AGENGA IYANDIKA RY'IGITEKEREZO CYAWE
Kwamamaza

Special pages
. . . . . .