Ikiguzi cy’ihererekanya ry’ amafaranga hifashishijwe ikoranabuhanga kiracyari imbogamizi

Mu rwego rwo gukumira ikwirakwira rya Covid-19 leta y’u Rwanda yafashe umwanya wo gushishikariza abantu ihererekanya ry’amafaranga hifashishijwe ikoranabuhanga. Mu gihe cya guma mu rugo ya mbere ibyo byashyizweho imbaraga ndetse n’ibigo by’imari (za banki) n’iby’itumanaho bikuraho cyangwa bigabanya ikiguzi cyabyo. Cyakora bidateye kabiri ibyo byarahindutse bituma guhererekanya amafaranga hifashishijwe ikoranabuhanga bidakomeza kwitabirwa cyane kuko ababikoresha bavuga ko ikiguzi cyabyo kikiri hejuru.

Bamwe mu baturage bavuga ko ari byiza ariko bagasaba ko byakongera kwigwaho, ibiciro bikagabanywa.Nyiramana Kemensiya, ni umuturage ukorera ubucuruzi buciriritse mu isoko rya Muhanga. Agira ati « Ni byiza kuko bituma umuntu adatakaza igihe, bigatuma umuntu yohererereza undi amafaranga mu buryo bwizewe ariko usanga bigitwara amafaranga menshi. Harebwa uburyo igiciro cyo kubikuza cyangana n’icyo kohereza ». Aha akaba yaravugaga ku bijyanye no kwishurana hifashishijwe telefoni igendanwa.

Asobanura ko iyo umuntu agiye kwishyura  akoresheje MOMO, tigo cash cg banki bamubwira ko agomba kongeraho amafaranga yo kubikuza. Ati « Wareba ko no kuyohereza bigusaba andi ugatangira gushidikanya cyangwa se ukabikora ugononwa ».

N’abahawe kode ya MTN abenshi ntibakunda ko umuntu ayibishyuriraho keretse ibigo nk’amavuriro. Kamali Silasi (amazina yahinduwe) ni umucuruzi ukomeye mu mujyi wa Muhanga.Avuga ko adakunda ko abantu bamwishyura bakoresheje MOMO Pay ngo kuko kongera kubona amafaranga mu makashi bimugora. Ati « Hari ubwo ujya kurangura, ugasanga umucuruzi adashaka ko umwishyura ukoresheje ikoranabuhanga. Icyo gihe bigusaba kuyabikuza, bikagutwara umwanya. Ni yo mpamvu ntabikunda ariko ubundi ni byiza. »

Guhererekanya amafaranga hakoreshejwe ikoranabuhanga bikorwa hifashishijwe uburyo bunyuranye burimo Mobile Banking, Internet Banking, utumashini n’amakarita bizwi nka POS (Points Of Sells) ndetse n’ubundi bukoresha ikoranabuhanga rya QR Code. Bamwe mu bacuruzi n’abaguzi bemeza ko bamaze kumva akamaro kabyo n’ubwo ngo hari abagiseta ibirenge.

Uretse ku bacuruzi n’abaguzi, ngo gukoresha inoti n’ibiceri bitwara banki y’igihugu abarirwa hagati ya miliyari 2 na 3 buri mwaka. Yose agenda ku bikorwa byo gusimbuza inoti zishaje cyangwa gukora ibiceri n’indi mirimo yo kuyabungabunga utabariyemo imishahara y’abakozi.

Umwaka ushize, Ishyirahamwe ry’Amabanki mu Rwanda ryavugaga ko riremerewe n’ikiguzi cyo kubungabunga amafaranga ahererekanywa mu ntoki yaba inoti cyangwa ibiceri,  kuko nka banki 5 gusa zitakaza miliyari 6 buri mwaka. Rikaba risanga kwimakaza ikoranabuhanga mu guhererekanya amafaranga byagabanyiriza amabanki umutwaro wo kubungabunga inoti n’ibiceri zikoresha.

Banki Nkuru y’u Rwanda ivugana na RBA yatangaje  ko bitarenze mu mwaka wa 2024 hazaba habonetse igisubizo kirambye kuri iki kibazo. Iyi banki yagaragaje ko kudakoresha ikoranabuhanga mu guhererekanya amafaranga bitera igihombo kingana na 6% mu bucuruzi nyamara ngo rikoresheje icyo gihombo kikagabanuka kugera kuri 2%.

Umuyobozi ushinzwe iterambere rya serivisi zo guhererekanya amafaranga muri  BNR, John Karamuka yatangaje ko hari imishinga 2 igamije gukuraho imbogamizi zikidindiza gahunda yo guhererekanya amafaranga hifashishijwe ikoranabuhanga.

Ati « Hari ikintu turi gukora gikomeye cyane kizafasha kugabanya umubare wa za sheke cyangwa se n’izindi mpapuro zigikoreshwa mu buryo bwo kwishyurana. Icyo rero BNR iri gukora ni uko hari icyo iri kongera kuri iyo sisitemu kugira ngo ibashe gukora amasaha 24/24. Ariko noneho izindi serivisi zo kwishyurana amafaranga make, hari undi mushinga dufite wo guhuza za sacco, ibigo by’imari biciriritse ndetse na za banki ku buryo niba uri muri airtel ushobora koherereza uri muri mtn cyangwa se uri muri banki akoherereza uri muri sacco.Na byo ni ibindi bikorwa remezo twumva bizafasha abantu kubona izo serivisi vuba cyane kandi byihuse. »

Mu kwezi kwa gatanu 2020 BNR yatangarije RBA ko amafaranga yahererekanyijwe hakoreshejwe ikoranabuhanga yikubye inshuro 3. Ibyo bikaba ngo byaratewe  n’icyemezo cyari cyafashwe cyo kuvanaho ikiguzi cyo guhererekanya amafaranga hakoreshejwe ikoranabuhanga mu rwego rwo kwirinda icyorezo cya COVID19. Umubare ushobora kugabanuka kuko ibyo biciro byongeye gusubizwaho. Nubwo bivugwa ko byagabanyijwe hari abakivuga ko bibaremereye.

Telesphore KABERUKA

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