Biteganyijwe ko mu 2030 ruzaba rufite uruhare rwa 3%, muri 2035 rukazaba rufite 5%.

Kuri ubu uru rwego rungana na 2% by’umusaruro mbumbe w’igihugu, rukaba rwarahaye akazi abantu 42.000 bingana na 0,9% by’abafite akazi.

Ni urwego rukomeje kwaguka, cyane ko Abanyarwanda 96% bakoresha serivisi z’imari bavuye kuri 47% mu 2008, hakaba hari intego ko mu 2029 Abanyarwanda bose bazaba bakoresha serivisi z’imari.

Byagaragajwe mu nama nyunguranabitekerezo yateguwe na Minisiteri y’Imari n’Igenamigambi, ku bufatanye na Mastercard Foundation na PwC Rwanda, yari igamije gusangiza no gutangiza ishyirwa mu bikorwa rya Gahunda y’Iterambere ry’Urwego rw’Imari kuva mu 2025 kugeza 2030, izwi nka Financial Sector Development Strategy.

Ni gahunda igamije guteza imbere urwego rw’imari kuri bose, rurambye kandi rushobora guhangana n’ibibazo by’ubukungu, bityo rukagira uruhare rukomeye mu kugera ku ntego z’icyerekezo cya 2050, aho u Rwanda rwifuza kuba igihugu gifite ubukungu buri ku rwego rwo hejuru.

Iyi gahunda y’iterambere igamije gufasha inzego zirindwi z’ingenzi ari na zo zizashyigura iterambere ry’urwego rw’imari. Izo zirimo isoko ry’imigabane, ikoranabuhanga mu by’imari (Fintech), ubwiteganyirize, amabanki, ibigo by’imari iciriritse, ubwishingizi n’imicungire y’imari mu byo kwishyurana, gukomeza kuzamura urwego rw’imari, kongera ishoramari no guteza imbere u Rwanda nk’igicumbi cy’imari mu karere.

Isoko ry’imari n’imigabane

Isoko ry’imari n’imigabane mu Rwanda rifite agaciro ka miliyari 2.66$ bingana na 21% by’umusaruro mbumbe w’igihugu, ugereranyije na 38% muri Kenya na 177% muri Afurika y’Epfo.

Muri iyo gahunda hateganyijwe guteza imbere urwo rwego binyuze mu kwagura isoko ry’imari n’imigabane y’imishinga y’inyongera no kongerera abaturage ubumenyi ku ishoramari.

Ibyo byatangiye kugaragara binyuze mu migabane nka Prime Energy Green Bond ifite agaciro ka miliyoni 6,8 $ na BRD Sustainability-Linked Bond ifite agaciro ka miliyoni 24,8$.

Nibura mu 2030, u Rwanda ruteganya ko agaciro k’isoko ry’imigabane kazagera kuri 30% by’umusaruro mbumbe w’igihugu, rukazinjiza amafaranga y’imbere mu gihugu agomba kwiyongera kuva kuri 12,4% kugeza kuri 25,9%.

U Rwanda rwifuza ko ibigo bikorera mu Rwanda byakomeza kwiyandikisha kuri iri soko kuko bizafasha mu gukomeza kongera ishoramari mu ngeri zitandukanye.

Ikoranabuhanga mu rwego rw’imari

Kugeza ubu, 96% by’Abanyarwanda bafite serivisi z’imari, naho 92% bakazikoresha binyuze mu bigo byemewe n’amategeko, biganjemo aba mobile money n’ubundi buryo bwa serivisi z’ikoranabuhanga.

Ikoranabuhanga rya eKash n’ubundi buryo bw’imyishyurize rihuza ibigo byose by’imari byatumye u Rwanda ruba ku isonga mu guhanga udushya.

Iyi gahunda igamije kubakira inzego z’ingenzi icyizere, uburyo bwo kugera kuri serivisi, n’ubwitabire, hagamijwe kurinda umutekano w’amakuru, gukoresha ubwenge buhangano (AI) mu kugenzura ubujura no gukomeza koroshya uburyo bwo kwishyurana.

Ibyo bizazamura imikoreshereze y’imari ku gipimo cya 40%, bigabanye igiciro cya serivisi z’imari, kandi byitezweho kongera nibura 0,5% by’umusaruro mbumbe w’igihugu binyuze mu guhanga imirimo mishya n’ubucuruzi bushingiye ku ikoranabuhanga.

Kuzigamira ejo hazaza no guteza imbere ubukungu

Urwego rwo guteganyiriza iza bukuru ni ingenzi cyane kuko rutanga nibura 9,2% by’umusaruro mbumbe w’igihugu mu gihe abanyamuryango bavuye kuri 7% mu 2020 bagera kuri 25% mu 2024.

Umuyobozi Mukuru w’Urwego rw’Igihugu rw’Ubwiteganyirize (RSSB), Regis Rugemanshuro, yagaragaje ko ubwo bwiyongere ahanini bwaturutse kuri gahunda ya Ejo Heza Long-Term Savings Scheme kuri ubu imaze kugira abanyamuryango bagera kuri miliyoni 4,2.

Rugemanshuro yashimangiye ko amafaranga yizigamiwe akoreshwa mu bikorwa by’ishoramari kandi yizeza abizigamira ko uburyo abitswemo butekanye ku buryo nta muntu ukwiye kugira impungenge z’umutungo we.

Nibura mu 2030, guteganyiriza iza bukuru bizaba bifite 12% by’umusaruro mbumbe w’igihugu.

Urwego rw’amabanki

Urwego rw’amabanki ni rwo rukomeye kurusha izindi nzego z’imari, rukoresha abantu 42.000 bingana na 0,9% by’abakozi mu gihugu.

Kugeza ubu, inguzanyo z’ibigo by’abikorera zingana na 22% by’umusaruro mbumbe, kandi FSDS igamije kuzizamura zikagera kuri 30% muri 2029.

Uko kwiyongera kw’inguzanyo kuzafasha kongera ubucuruzi n’ishoramari kandi byitezweho kongera umusaruro mbumbe w’igihugu.

Gutinyura abaturage n’abacuruzi bato ku gukorana n’ibigo by’imari

Kuri ubu Umurenge SACCO hamwe n’ibigo by’imari iciriritse bifasha abaturage basaga miliyoni 7,8 kwizigamira no kubona inguzanyo.

Gahunda yo guhuza za SACCO izateza imbere imikorere, igabanye ibibazo bya ruswa, inoze serivisi zishingiye ku ikoranabuhanga.

Kubera ko ubuhinzi bugira uruhare rwa 25% by’umusaruro mbumbe w’igihugu, kongerera abahinzi kugera kuri serivisi z’imari bizazamura umusaruro w’ubuhinzi.

Rwiyemezamirimo washinze ikigo cya Green Dreams Ltd kiri mu rwego rw’ubuhinzi, Umurungi Sonia, yagaragaje ko abari muri urwo rwego bakwiye korohezwa kugera kuri serivisi z’imari n’inguzanyo kuko bizafasha kuzamura umusaruro w’ubuhinzi.

U Rwanda rwifuza ko nibura kugera mu 2029, inguzanyo amabanki atanga 10% zizajya zijya mu buhinzi.

Ubwishingizi

Kugeza ubu, ubwitabire bw’ubwishingizi buracyari hasi kuko abaturage babwitabira bari kuri 2%.

FSDS iteganya ko buzagera kuri 4% mu 2030 binyuze mu gukoresha ikoranabuhanga, no gushyira imbere ubwishingizi bujyanye n’imihindagurikire y’ibihe.

Ibi bizongera umutekano w’ubucuruzi no kongeraho 0,2% ku musaruro mbumbe w’igihugu binyuze mu kongera icyizere n’ishoramari.

Umuyobozi Mukuru w’Urwego rw’Imari muri Minisiteri y’Imari n’Igenamigambi, Herbert Asiimwe, yavuze ko ubwishingizi ari intambwe y’ingenzi.

Yemeje ko mu gihe abantu bakwitabira serivisi z’ubwishingizi bizafasha urwego rw’imari gutera imbere.

Kwimakaza Cashless

Uburyo bwa RIPPS na eKash bwatumye ubwishyu buba mu buryo bwihuse kandi bufite umutekano.

Banki Nkuru y’u Rwanda iri kwiga ku ifaranga ry’ikoranabuhanga rya Banki Nkuru (CBDC) rishobora kugabanya ikiguzi cy’ubucuruzi no koroshya ubucuruzi mpuzamahanga.

Kongera imikoreshereze y’ikoranabuhanga mu kwishyura ku gipimo cya 50% mbere ya 2030 bizazamura umusaruro, bigabanye igiciro cy’ubucuruzi, bityo byongere nibura 0,1% ku musaruro mbumbe w’igihugu.

Ibi kandi bizafasha n’icyerekezo cya Kigali International Financial Centre (KIFC) cyo guhindura u Rwanda igicumbi cy’imari mu karere.

Herbert Asiimwe yavuze ko ibigo bitanga izo serivisi bikwiye kwita no ku giciro cyazo ku buryo himakazwa uburyo bwa Cashless aho guhererekanya amafaranga mu ntoki.

Guverineri wungirije wa Banki Nkuru y’u Rwanda, Nick Barigye, yavuze ko ishyirwa mu bikorwa ry’iyi gahunda bizafasha kubaka urwego rw’imari ruteye imbere kandi ko kurwubaka ari ukubaka moteri y’iterambere ry’Igihugu.

Hatangijwe gahunda y'iterambere y'urwego rw'imari mu gihe cy'imyaka itanu

Guverineri wungirije wa Banki Nkuru y'Igihugu, Nick Barigye, yagaragaje ko hakenewe ubufatanye mu gushyira mu bikorwa iyi gahunda y'iterambere

Abayobozi batandukanye bitabiriye iki gikorwa

Abo mu rwego rw'imari basabwe gushyira imbaraga mu gushyira mu bikorwa gahunda y'iterambere

Umuyobozi w'Urwego rw'Imari muri MINECOFIN, Asiimwe Herbert, yavuze ko hakwiye kunozwa inzego zose zirebana n'imari

Umuyobozi Mukuru wa Ecobank Rwanda Plc, Carine Umutoni yavuze ko urwego rw'Imari ruzakomeza kugira uruhare mu bukungu

Bagaragaje uko urwego rw'imari rugira uruhare mu iterambere

Umuyobozi Mukuru wa RSSB, Rugemanshuro Regis, yashimangiye ko ubwiteganyirize buzakomeza kugira uruhare mu bukungu, asaba abantu bose kuzigamira izabukuru

Amafoto: Nzayisingiza Fidel