Ikibazo Imanirakomeye yagaragaje ko cyatumye atabaza Umukuru w’Igihugu ni icy’abakurikiranywe n’ubutabera kuva mu 2023, bakekwaho kwiba I&M Bank Rwanda miliyoni 9,61 z’Amayero (miliyari 13,93 Frw), bakoresheje amakarita ya ‘Mastercard Platinum Multicurrency Prepaid Card’ hagati ya tariki ya 1 Ugushyingo 2022 kugeza ku ya 17 Mutarama 2023.

RIB yasobanuye ko bitandukanye n’ibyo Imanirakomeye yavuze, abakurikiranyweho gukoresha aya makarita mu kwiba banki batarenganyijwe, kuko hagarujwe miliyari 2,27 Frw mu yo bari bibye, hafatirwa n’indi mitungo irimo inzu 15, ibibanza 13 n’imodoka byaguzwe muri aya mafaranga y’amibano.

Yagize iti “Urukiko Rwisumbuye rwa Nyarugenge rwahamije abagera kuri 94 ibyaha byo kwiba n’iyezandonke, bahabwa ibihano bitandukanye. Iperereza rirakomeje kugira ngo n’abandi bagize uruhare muri ubu bujura hakoreshejwe MasterCard bahanwe nk’uko amategeko abiteganya.”

Imiterere ya dosiye

I&M Bank Rwanda yashishikarije Abaturarwanda gukoresha aya makarita, ibagaragariza ibyiza byayo nko kuba yabikurizwaho amafaranga y’ubwoko butandukanye. Abayafashe basabwe kuyakoresha icyo bayaherewe gusa, bakirinda kuyakoresha mu buryo bunyuranyije n’amategeko, ibamenyesha kandi ko amafaranga ashyirwaho nta nyungu abyara.

Byaje kumenyekana ko bamwe mu bahawe aya makarita bayakoresheje mu buryo bunyuranyije n’amategeko, muri Mutarama 2023 I&M Bank ijya kurega abagera ku 148 icyaha cyo kwihesha ikintu cy’undi hakoreshejwe uburiganya, kwiba, gutanga urufunguzo banga mu buryo butemewe n’amategeko n’iyezandonke.

Iyi banki yasobanuye ko aba bantu barimo abahawe amakarita, babitsaho amafaranga, bakayavunja inshuro nyinshi mu Madolari, Amayero n’ama-Dirham, bakongera bakayagarura mu Mafaranga y’u Rwanda, bakabona kuyabikuza. Ibi byatumaga babona inyungu nyinshi, bagatwara n’amafaranga ya banki.

Hari abandi abavunjaga aya mafaranga bashishikarije kugura aya makarita kugira ngo babafashe kuyabyaza inyungu, na yo bakayifashisha muri ibi bikorwa by’ivunjisha rinyuze mu buriganya.

Muri abo bamenye icyuho cyari muri iryo vunjisha, bagiye bashishikariza abantu batandukanye kugura iyo Master card, barangiza bakayibaha n’umubare w’ibanga, ubundi bakajya babungukira hagati y’ibihumbi 600 Frw n’ibihumbi 800 Frw ku kwezi, ubundi nabo bakazikoresha muri ibyo bikorwa bigiza ibyaha.

Ubushinjacyaha kandi bwasobanuriye Urukiko Rwisumbuye rwa Nyarugenge ko nyuma y’uko bihesheje mu buryo bw’uburiganya umutungo wa banki, bagiye baweza, baguramo imitungo itandukanye yimukanwa ndetse n’itimukanwa, andi bakayashora mu bikorwa by’ubucuruzi bitandukanye, abandi bagahisha umutungo bakomoye muri ubwo buriganya, abandi bawikuraho, kandi bazi neza ko ari imitungo ikomoka ku cyaha.

Abaregwa 94 baburanye bahakana ibyaha, bavuga ko ibyo baregwa atari ibyaha ahubwo ari ibijyanye n’ubucuruzi ngo kuko abakozi ba banki ari bo babashishikarije gufata amakarita no kuyakoresha ndetse ko hari abahembwe kuko bayakoresheje neza, basaba ko bagirwa abere, bagasubizwa imitungo yabo yafatiriwe.

Urukiko rumaze gusesengura ibimenyetso by’Ubushinjacyaha ndetse n’imvugo z’abaregwa, imyanzuro yabo hamwe n’imvugo z’abunganizi mu mategeko, rwasanze abaregwa bari mu byiciro bitatu birimo: ba gatozi, abafatanyacyaha ndetse n’ibyitso.

Tariki ya 15 Ugushyingo 2024, rwasanze abantu 21 bari mu cyiciro cya ba gatozi barakoresheje amakarita yabo n’ayo bagiye batira mu kwivunjira, babona inyungu nyinshi ndetse babikora inshuro nshinga, bibafasha kwiba I&M Bank Rwanda Amayero 9.611.553.

Ibi byatumye aba bantu bahamwa icyaha cy’ubujura, “kuko batwaye umutungo wa banki, n’iyezandonke kuko amafaranga yakomotse ku cyaha bayejeje, baguramo imitungo, andi bayakoresha mu bikorwa bitandukanye.”

Hashingiwe ku biteganywa n’amategeko, bahanishijwe igihano cy’ibanze cyo gufungwa imyaka 10 ndetse no kwishyura ihazabu ya miliyoni 100 Frw kuri buri wese, ariko kubera impamvu nyoroshyacyaha zishingiye ku kuba ari ubwa mbere bari bahamijwe icyaha, igihano cyarorohejwe, kigezwa ku myaka irindwi, ihazabu igezwa kuri miliyoni 50 Frw.

Urukiko rwasanze abantu 26 bari mu cyiciro cy’ubufatanyacyaha ku cyaha cy’ubujura n’iyezandonke, rwemeza ko bagomba guhabwa igihano cy’ibanze cyo gufungwa imyaka irindwi hamwe n’ihazabu ya 50 000 000Frw kuri buri wese. Kubera impamvu nyoroshyacyaha, igihano cyabo cyaragabanyijwe kugeza ku myaka itatu, ihazabu igezwa kuri 3.000.000 Frw.

Byagaragaye ko abantu 47 bari mu cyiciro cy’ibyitso mu cyaha cy’ubujura. Urukiko rwemeje ko bahanishwa ihazabu ya 2.000.000 Frw kuri buri wese nk’igihano cy’ibanze ariko kubera impamvu nyoroshyacyaha, kimanurwa ku ihazabu ya 1.000.000 Frw.

Urukiko rwategetse abaregwa gusubiza I&M Bank umutungo wibiwe kuri aya makarita, hakuwemo ayo bishyuye ubwo bari batangiye gukurikiranwa ndetse n’amafaranga yari akiri ku makarita. Kugira ngo indishyi yose n’ihazabu biboneke, imitungo yafatiriwe izagurishwa.

I&M Bank Rwanda yibwe agera kuri miliyoni 9,61 z’Amayero