Imiyoboro y’ibigo bitanga serivisi z’imari igiye guhuzwa horoshywa guhererekanya amafaranga mu ikoranabuhanga

Yanditswe na Ferdinand Maniraguha
Kuya 30 Ukwakira 2019 saa 03:15
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Banki Nkuru y’Igihugu (BNR) yatangaje ko umwaka utaha wa 2020 uzasiga imiyoboro y’ibigo by’imari, banki n’ibigo by’itumanaho bitanga serivisi z’imari ihujwe, hagamijwe kurushaho koroshya uburyo bwo guhererekanya amafaranga hifashishijwe ikoranabuhanga.

Ibi bizatuma umuntu ubitsa muri banki runaka ashobora kohereza amafaranga mu yindi mu gihe gito kandi bitamuhenze nkuko bigenda ubu. Ukoresha serivisi z’imari z’ikigo cy’itumanaho (Mobile Money) na we bizajya bigenda gutyo.

Byatangajwe kuri uyu wa Gatatu ubwo BNR yatangizaga icyiciro cya kabiri cy’ubukangurambaga bugamije gushishikariza Abanyarwanda kuyoboka uburyo bwo kwishyura no guhererekanya amafaranga hifashishijwe ikoranabuhanga aho kuyahererekanya mu ntoki.

Mu myaka umunani ishize, agaciro k’uburyo bwo kwishyurana no guhererekanya amafaranga hifashishijwe ikoranabuhanga ugereranyije n’umusaruro mbumbe w’igihugu, mu Rwanda kavuye kuri 0.3 % kagera kuri 34.6 % mu 2019. Intego ni uko bigera kuri 80 % mu 2024.

Guverineri wa Banki Nkuru y’Igihugu, John Rwangombwa, yavuze ko kugira ngo iyo ntego igerweho hakwiriye gukorwa ubukangurambaga abantu bakumva igihombo kiri mu kwishyurana bahererekanya amafaranga mu ntoki n’inyungu iri mu gukoresha ikoranabuhanga.

Bimwe mu bibazo byagiye bigaragazwa ni uburyo kwishyurana hakoreshejwe ikoranabuhanga hari aho bikigoye ndetse bihenze ku buryo atari ibintu byorohereza abaturage.

Umuyobozi w’Umuryango uharanira Uburenganzira bw’Abaguzi (ADECOR), Ndizeye Damien, yavuze ko ibiciro byo kohererezanya cyangwa kwishyura hifashishijwe ikoranabuhanga hari aho bikiri hejuru ku buryo bituma bamwe batabyitabira.

Ati “Bimwe mu bibazo twakira ibyinshi bijyanye n’ibiciro bikiri hejuru. Iyo ugiye kohereza baguca amafaranga kandi bakabaye baguca amafaranga bitewe n’igikorwa bagukoreye ariko bayaguca bitewe n’umubare w’ayo wohereje. Iyo ushaka kohereza baguca amafaranga, uwo woherereje bakamuca andi mafaranga ngo abikuze.”

Rwangombwa yavuze ko hari gahunda iriho yo guhuriza hamwe imiyoboro y’ibigo bitanga serivisi z’imari hifashishijwe ikoranabuhanga ku buryo byorohera abakiliya.

Yagize ati “Twebwe nka Banki Nkuru twagize uruhare mu gutegura uwo mushinga dufatanyije n’abandi bafatanyabikorwa, dushyiraho inyandiko ngenga z’uko umushinga uzaba uteye, ibisabwa, bizakorwa bite, uko umushinga wubakitse ubu birahari igisigaye ni ukuzana iryo koranabuhanga ribishyira mu bikorwa.”

Yakomeje agira ati “Hari umushoramari wari wemeye kubikora ariko byakomeje kugenda bitinda. Leta yemeye ko yazamo bibaye ngombwa ndetse igashyiramo n’amafaranga kugira ngo uwo mushinga ushyirwe mu bikorwa. Nabizeza ko bitarenze uyu mwaka icyemezo kizaba cyafashwe, nkahamya ko mu ntangiriro z’undi mwaka umushinga uzaba watangiye gukorwa wenda mu mezi atandatu akaba aribwo dushobora gutangira guhuza iyo miyoboro.”

Rwangombwa yavuze ko nibiramuka bishyizwe mu bikorwa, bizarushaho guteza imbere gahunda yo guhererekanya no kwishyurana amafaranga hifashishijwe ikoranabuhanga.

Umuyobozi w’Ihuriro ry’Amabanki mu Rwanda, Maurice Toroitich, yavuze ko kuba abantu bagikoresha uburyo bwo guhererekanya amafaranga mu ntoki, bihenda amabanki yo mu Rwanda.

Toroitich yavuze ko barebye ibisabwa ngo amafaranga acungirwe umutekano cyangwa bayatware ava ku ishami rimwe rya banki ajya ku rindi, kuba hari abakozi ba banki bashinzwe guha abakiliya amafaranga mu ntoki n’ibindi, ngo mu mwaka banki zo mu Rwanda zibitakazaho amafaranga ari hagati ya miliyari 18 na 20 buri mwaka.

BNR nayo ivuga ko gukoresha amafaranga biyihenda kuko buri mwaka isohora nibura miliyoni 1.5 z’amadolari mu gucapisha no gukoresha amafaranga hanze.

Umuyobozi ushinzwe Serivisi z’Ikoranabuhanga [E-banking] muri Cogebanque, Yvon Gilbert Nishimwe, yabwiye IGIHE ko imbaraga nyinshi zikwiriye gushyirwa mu baturage bakamenya inyungu zo kubyaza umusaruro serivisi ibigo by’imari byashyizeho zigamije guteza imbere ikoranabuhanga mu guhererekanya amafaranga.

Yagize ati “Imbaraga zikwiriye gushyirwa cyane mu kwigisha gukoresha no kwishyurana hakoreshejwe ikoranabuhanga. Ubu kugeza uyu munsi banki zose na sosiyete zose z’itumanaho bafite uburyo bwo kwishyura no kwishyurana hakoreshejwe ikoranabuhanga ariko abantu ntibaritabira ku buryo tugera aho abantu bishyurana cyangwa bakohererezanya badakoresheje inoti cyangwa ibiceri.”

Guverineri wa BNR, Rwangombwa yashimangiye ko abaturage nibamara kumva akamaro ko kwishyurana cyangwa kohererezanya amafaranga hifashishijwe ikoranabuhanga, bizatanga umusaruro.

Yagize ati “Icyo twifuza, aho kugira ngo umuntu ajye kubikuza amafaranga, ahubwo ajye ajya ku mucuruzi umwegereye agure ibyo yifuza yishyure akoresheje ubwo buryo bwa Mobile Money kandi ibyo abashe kubikora batamuciye andi mafaranga.”

BNR ivuga ko ubu bukangurambaga buzagera ku batanga serivisi zo kwishyurana hifashishijwe ikoranabuhanga, abaguzi n’abacuruzi.

Mu kongera uburyo bwo kwishyurana kandi BNR igiye gukora ubukangurambga bwo kongera umubare w’imashini zishyurirwaho maguriro n’ahandi, zikoreshwaho amakarita ya banki zizwi nka POS kuri ubu zigera kuri 3,046.

BNR yatangije ubukangurambaga bugamije gushishikariza Abanyarwanda guhererekanya amafaranga bakoresheje ikoranabuhanga
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Visi Guverineri wa Banki Nkuru y'u Rwanda (BNR), Dr Monique Nsanzabaganwa, ubwo yatangaga igitekerezo
Umuyobozi ushinzwe Iyamamazabikorwa muri Cogebanque, Iyamuremye Antoine, ni umwe mu bitabiriye
Umuyobozi w'Ikigo, AC Group, gifite ikoranabuhanga ryo kwishyurana mu gutwara abantu (Tap and Go) , Patrick Buchana, na we yitabiriye
Mitwa Kaemba Ng'ambi, Umuyobozi mushya wa MTN Rwanda asangiza abandi ubunararibonye bw'ikigo ayoboye mu guhererekanya amafaranga hifashishijwe ikoranabuhanga
Umuyobozi ushinzwe ibyo kwishyurana muri BNR, John Karamuka yavuze ko bagiye gushaka uko imashini za POS zigera henshi mu gihugu kugira ngo kwishyurana hakoreshejwe ikoranabuhanga bitezwe imbere
Guverineri wa Banki Nkuru y’Igihugu, John Rwangombwa yavuze ko kugira ngo iyo ntego igerweho hakwiriye gukorwa ubukangurambaga abantu bakumva igihombo kiri mu kwishyurana bahererekanya amafaranga mu ntoki n’inyungu iri mu gukoresha ikoranabuhanga
Bimwe mu bibazo byagiye bigaragazwa ni uburyo kwishyurana hakoreshejwe ikoranabuhanga hari aho bikigoye ndetse bihenze ku buryo atari ibintu byorohereza abaturage
John Rwangombwa yavuze ko hari gahunda iriho yo guhuriza hamwe imiyoboro y’ibigo bitanga serivisi z’imari hifashishijwe ikoranabuhanga, ku buryo byorohera abakiliya
Umuyobozi w'Ihuriro ry'Amabanki mu Rwanda, Maurice Toroitich yavuze ko kuba abantu bagikoresha uburyo bwo guhererekanya amafaranga mu ntoki, bihenda amabanki yo mu Rwanda
Umuyobozi ushinzwe Serivisi z'Ikoranabuhanga [E-banking] muri Cogebanque, Yvon Gilbert Nishimwe, yavuze ko imbaraga nyinshi zikwiriye gushyirwa mu baturage bakamenya inyungu za serivisi ibigo by’imari byashyizeho zigamije guteza imbere ikoranabuhanga mu guhererekanya amafaranga

Amafoto: Muhizi Serge


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