CMA ivuga ko ukurikije umuvuduko ikoranabuhanga mu by’imari ririho mu Rwanda ndetse no ku isi muri rusange, bigaragara ko rifite inyungu nyinshi, ariko rishobora no guteza ibibazo hatabayeho kurigenzura neza.

Inzobere mu bijyanye n’Ikoranabuhanga no guhanga udushya mu Rwego Rugenzura Isoko ry’Imari n’Imigabane mu Rwanda (CMA), Jerome Ndayambaje, yavuze ko mu myaka itanu iri imbere, hari icyizere cy’iterambere ry’isoko ry’imari n’imigabane mu Rwanda hifashishijwe ikoranabuhanga.

Ndayambaje yavuze ko iryo terambere rizagirwamo uruhare n’udushya tw’ikoranabuhanga mu by’imari kuko bizafasha kunoza imitangire ya service ku isoko ry’imari n’imigabane, kuzihutisha no kuzigeza kuri benshi.

Yagaragaje ko ingingo nyamukuru zikukunze kwibazwaho zirimo kwibaza uburyo ikoranabuhanga ryafasha mu kubaka umuco wo kwizigamira no gushora imari cyangwa niba ryakoroshya uburyo abashoramari bagera ku bicuruzwa biri ku isoko ry’imari n’imigabane.

Yongeyeho ati “Ese ikoranabuhange ryakorohereza abikorera cyangwa leta kubona amafaranga (capital raising) ku isoko ry’imari n’imigabane yo kwagura ibikorwa byabo? Ibi ni bimwe mu bibazo ikoranabuhanga risabwa gukemura kugirango iryo terambere rivugwa ribashe kugerwaho.”

CMA isobanura ko imwe muri gahunda yitezweho kuzamura iryo terambere ni gahunda CMA yashyizeho izwi nka ‘Fintech Regulatory Sandbox’.

‘Fintech Regulatory Sandbox’ ni igerageza ry’udushya tw’ikoranabuhanga mu by’imari, tugeragerezwa ku bantu bake, mu gihe runaka, akenshi bikaba ari umwaka umwe.

Ndayambaje ati “Impamvu y’iri gerageza ni ukugira ngo hasuzumwe niba koko iryo koraranabuhanga rije gukemura ibibazo kandi niba nta bibazo ryateza ku bashoramari bo ku isoko ry’imari n’imigabane,”

Yavuze kandi ko ikindi ari uko bifasha kurushaho gusobanukirwa imikorere y’utwo dushya tw’ikoranabuhanga mu by’imari, inyungu zirimo ndetse n’ibyago cyangwa se ingorane ryateza mbere y’uko ryemererwa gukorera ku isoko ryagutse, bityo hakabaho gukumira ibyo byago no kurengera abashoramari.

Ati “Iryo koranabuhanga mu by’imari rizana inyungu nyinshi ariko rikaba ryazana n’ibibazo bitandukanye. Nyuma y’igerageza, iyo utwo dushya tugaragaje ko hari inyungu no gukemura ibibazo biri ku isoko ry’imari n’imigabane kandi nta bibazo ryateza, nyiraryo tumuha uruhushya rwo gukorera ku isoko ryagutse,”

“Bituma kandi hakorwa amategeko cyangwa havugururwa asanzwe bishingiye ku bumenyi buhagije, bitandukanye no kuba hashyirwaho amategeko agenga utwo dushya tw’ikoranabuhanga mu by’imari nta bushishozi buhagije. Impamvu ni uko utu dushya tw’ikoranabuhanga mu by’imari nubwo dufite inyungu nyinshi, ariko dushobora no guteza ibyango mu gihe hatabaye umwanya wo kudusuzuma neza.

Iyi gahunda yatangijwe na CMA mu 2023, hagamijwe guteza imbere no guha urubuga ibigo bitanga serivisi z’ikoranabuhanga ryifashishwa mu rwego rw’imari, kugira ngo bigerageze udushya muri iryo koranabuhanga ryabo.

Ndayambaje yavuze ko iyi gahunda yuzuzanya neza na gahunda y’u Rwanda yo kuba igicumbi cy’ishoramari ndetse no kuba igicumbi cy’ikoranabuhanga mu by’imari. Sosiyete z’ikoranabuhanga zishobora kugeragereza udushya twazo mu Rwanda, kuhakorera ndetse no kwagura ibikorwa byazo hanze y’u Rwanda ariko igicumbi cyazo kiri mu Rwanda.

Ati “U Rwanda ni urugero rw’ibishoboka. Abafite imishinga ishingiye ku dushya bashobora kuyigeragereza hano, babona ko ikora neza bakayagurira no ku rwego mpuzamahanga. Ibyo byose bikorwa kugira ngo hatezwe imbere umuco wo kwizigamira no gushora imari mu Rwanda, kunoza serivisi no kuzihutisha ndetse no kugeza serivisi z’imari kuri bose,”

“Binyuze mu ikoranabuhanga abaturage benshi bashobora kugezwaho serivisi n’ibicuruzwa ku isoko ry’imari n’imigabane, amasosiyete ashobora kubona amafranga mu buryo bworoshye ku isoko ry’imari n’imigabe yo kwagura ibikorwa byabo, n’ibindi byinshi.”

Zimwe mu mbogamizi zagaragajwe n’abagerageza udushya tw’ikoranabuhanga mu by’imari, zishingiye ku guhuza (integration) ikoranabuhanga ryabo n’ikoranabuhanga ry’abafatanyabikorwa batandukanye basanzwe bakora mu rwego rw’imari, ariko CMA yavuze ko ari imbagamizi zidakanganye cyane kuko zikurwaho n’ubukangurambaga bwo gusobanura iyo gahunda y’igerageza, gusaba abo bafatanya bikorwa kunganira no gushyigikira iryo igerageza mu gihe cyagenwe, kandi abenshi bamaze kubisobanukirwa.

Hagaragajwe uruhare rwa ‘Fintech Regulatory Sandbox’ mu iterambere ry’ikoranabuhanga mu Isoko ry’Imari n’Imigabane