Ibyishimo n’imihigo ku batsindiye miliyoni mu ‘IKOFI’ ya Banki ya Kigali

Yanditswe na Habimana James
Kuya 24 Kamena 2019 saa 09:45
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Mu nama ya Transform Africa yabaye muri Gicurasi 2019, Banki ya Kigali (BK) yatangije serivisi nshya y’imari yise ‘IKOFI’, ifasha abahinzi bagorwaga no kubona serivisi z’imari, kwizigama, kohereza amafaranga no kuyabikuza ku buntu, kwishyura serivisi nk’ubwiteganyirize bw’igihe kirekire, inyongeramusaruro n’ibindi.

Iri koranabuhanga ryitezweho kuvugutira umuti ikibazo cy’abahinzi bagorwa cyane no kubona serivisi z’imari nk’ishoramari rituma ubuhinzi, bwaguka bugateza imbere ubukora.

Imibare yerekana ko hejuru ya 70% by’abanyarwanda bakora ubuhinzi, uru rwego rugatanga umusanzu usaga 30% mu musaruro mbumbe w’igihugu buri mwaka, nyamara ugasanga nk’amafaranga banki zishoramo ari munsi ya 6% gusa.

Banki ya Kigali (BK) isanzwe izwiho kwegera abahinzi, yatekereje serivisi IKOFI ifasha umuhinzi kwegerezwa serivisi z’imari, bikarengaho ariko uwo muntu agatsindira miliyoni imwe buri cyumweru imufasha kwagura ibikorwa bye.

BK yahise itangirana n’ubukangurambaga bw’ibyumweru 30 butuma buri cyumweru hahembwa umuhinzi watoranyijwe kubera kuyikoresha. Kugeza ubu abantu batandatu nibo bamaze gutsindira aya mafaranga, barimo abagabo bane n’abagore babiri, aho buri imwe yatsindiye miliyoni y’amafaranga y’u Rwanda.

Kuri uyu Mbere aba bahinzi bahujwe na Banki ya Kigali ngo bagaragaze uko biteguye gukoresha aya mafaranga kugira ngo abateze imbere, ariko banagaragaze ahakiri imbogamizi kugira ngo bafashwe.

Ndikubwimana Emmanuel waturutse mu karere ka Ngoma, yavuze ko IKOFI yayimenye nyuma yo gutega amatwi radiyo agahita afungura kuri telefoni akurikije uko bari bamaze kubisobanura.

Yagize ati “Kuva ngiye mu IKOFI nari maze kubikaho ibihumbi 24, nyuma ngura imiti y’amatungo nkoresheje IKOFI hashize iminsi bambwira ko natsindiye miliyoni.”

Yakomeje agira ati “Nari nsanzwe ndi umuhinzi uciriritse ariko mu by’ukuri iyi gahunda ya BK ubona ko yaje gufasha abanyarwanda cyane cyane batishoboye kuko ubundi kubona miliyoni byari bigoye. Ubu ngiye kwagura ubuhinzi bwanjye kandi ngiye gukodesha andi masambu kuko nta bushobozi nagiraga.”

Yasabye Banki ya Kigali ko yabafasha igashyiraho aba-agents benshi mu gihugu kuko hari ubwo babitsa ariko bajya kubikuza ugasanga bigoye.

Ndagijimana Steven ukomoka mu karere ka Gatsibo, Umurenge wa Kabarore, yavuze ko asanzwe ari umuhinzi w’ibigori ariko akaba yagiraga umusaruro muke kubera kutagira ifumbire ihagije.

Yavuze ko kugira ngo amenye gahunda ya IKOFI ari uko yagiye mu nama y’Umudugudu haza aba-agents bamamaza IKOFI baturutse kuri BK, babashikariza ibyiza byayo harimo kugurizwa bakagura amafumbire, nibwo yahise ajyamo.

Nyuma y’ukwezi ngo nibwo yumvise bamuhamagaye bamubwira ko atsindiye miliyoni.

Yagize ati “Ubu ndashaka guhindura ubuzima bwanjye kandi ndumva ngiye gukira, ngiye guhinga ibigori byinshi ndetse mu minsi mike ndateganya kugura moto kuko ibigori byangoraga kubitwara ku igare.”

Umuyobozi Mukuru ushinzwe ikoranabuhanga muri Banki ya Kigali, Regis Rugemanshuro, yavuze ko BK yafashe umwanzuro wo kuzamura inguzanyo y’imari ihabwa ubuhinzi ariko bakabikora bakoresheje ikoranabuhanga. IKOFI rero ikaba aricyo gisubizo.

Yagize ati “Uru ni urugendo twatangiranye kandi tuzarukomezanya, icyo twifuza ni uko umuhinzi wese ukoresha IKOFI ubuzima bwe buzakomeza kugenda butera imbere abifashijwemo na Banki ya Kigali kandi IKOFI ikaba ari nkayo rufunguzo rw’urwo rugendo.”

Yavuze ko mu byo IKOFI ikora ubu harimo koherezanya amafaranga no kwiyandikisha kandi aho batandukaniye n’izindi serivise za Mobile Money, ari uko ari ubuntu.

Ati “Kwakira cyangwa kohereza amafaranga ni ubuntu, ikindi kwishyura ifumbire n’imbuto, wakwishyura kandi mu kigega Ejo Heza witeganyiriza ejo hazaza ukaba kandi uzaba unashobora kwishyura ubwisungane mu kwivuza. Icyo duhamagarira abahinzi ni uko bakwitabira gukoresha IKOFI kuko amakuru dusaba abahinzi ni uko bajya banabonaho inguzanyo bitewe n’uburyo bayikoresha, uko bazigama, uko bizigamira kuri Ejo Heza n’ibindi.”

Ku birebana no kongera aba -agents bakora kuri iyi serivise ya IKOFI, Rugemanshuro yavuze ko ubu BK iri muri gahunda yo guha akazi aba-agents mu gihugu, vuba aha hakaba hari gahunda ko aho abahinzi bari hose bazajya bashobora kubabona.

Iyi serivisi y’imari ikoreshwa kuri telefoni, umuhinzi akiyandikisha akoresheje *334*2# na nimero y’indangamuntu, akegera umucuruzi w’inyongeramusaruro ugomba kubyemeza.

Abatsindiye miliyoni mu ‘IKOFI’ ya Banki ya Kigali bagaragaje uko bagiye guhindura ubuzima
Abayobozi bakuru muri BK bavuze ko iyi banki yafashe umwanzuro wo kuzamura inguzanyo y’imari yerekeza mu buhinzi ariko bakabikora bakoresheje ikoranabuhanga, IKOFI rero ikaba aricyo gisubizo
Ndagijimana Steven ukomoka mu karere ka Gatsibo Umurenge wa Kabarore, yavuze ko asanzwe ari umuhinzi w’ibigori ariko akaba yagiraga umusaruro muke kubera kutagira ifumbire ihagije
Ndikubwimana Emmanuel waturutse mu karere ka Ngoma na we akaba yaratsindiye iyi miliyoni imwe, yavuze ko IKOFI yayimenye nyuma yo gutega amatwi radiyo ahita ayijyamo
Abahawe miliyoni na BK biteguye kuzamura ubuzima bwabo
Umuyobozi Mukuru ushinzwe ikoranabuhanga muri Banki ya Kigali, Regis Rugemanshuro, yavuze ko BK yafashe umwanzuro wo kuzamura inguzanyo y’imari yerekeza mu buhinzi

Amafoto: Muhizi Serge


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