Abayobozi ntibakozwa ibyo kudatwara amafaranga mu mufuka bagiye muri misiyo

10 13-11-2017 - saa 14:55, Rabbi Malo Umucunguzi

Guverineri wa Banki Nkuru y’u Rwanda (BNR), John Rwangombwa, yavuze ko hakenewe gukomeza kwigisha ibyiciro bitandukanye by’abaturage ku nyungu ziri mu kudahererekanya amafaranga mu ntoki, ahubwo bakitabira uburyo bwo kwishyurana hakoreshejwe amakarita cyangwa hifashishijwe telefoni.

Kumva ko umuntu agomba gukoresha amafaranga ayavana ku mufuka we ni imyumvire Rwangombwa yavuze ko iri mu baturage bose kimwe n’abayobozi, ashingiye ku myitwarire yabo iyo bajya mu mahanga.

Mu kiganiro Infocus cyatambutse kuri televiziyo y’igihugu, yavuze ko nk’umuntu akijya kurangura akitwaza inoti nyinshi, mu gihe u Rwanda ruri gukora ibishoboka mu kugabanya uburyo umuntu yitwaza amafaranga yo gukora ibintu runaka.

Mu 2011 ubwo kwishyurana bitari mu ntoki byatangiraga gufata indi ntera, hakoreshejwe amakarita hatanzwe miliyari 2.6 Frw ariko ubu zigeze kuri miliyari 36Frw.

Rwangombwa yagize ati “Uyu mubare uracyari muto, ariko urebye ubwo Mobile money yazaga, mu 2011 hahererekanyijwe miliyoni 690 Frw, ariko ubu zigeze kuri tiriyali 1.2Frw. Intambwe yatewe bigaragara ko ari nini ariko igihugu ntabwo cyabasha kugera ku bintu mu munsi umwe.”

Yavuze ko bakoze inyigo bareba imbogamizi ziri mu guhererekanya amafaranga bitari mu ntoki bagasanga izihari zirimo kuba abantu baramenyereye gutwara amafaranga, ku buryo bisaba ubukangurambaga buhagije.

Yakomeje agira ati “Iya kabiri, abacuruzi ntabwo baba bashaka kwishyura ikiguzi cyo gukoresha ikoranabuhanga rikoreshwa mu kwishyurana. Nabyo bigasaba kwigisha mu kwerekana inyungu irimo, ko ubasha kuzigama iyo ukoresha uburyo butari ubw’amafaranga kurusha kuyahererekanya mu ntoki.”

Indi mbogamizi ni ukuba umuturage atabasha kubona ahantu hose ibikorwaremezo bimufasha gukora ihererekanya ry’amafaranga atagombye kuyakoraho, uretse nko muri hoteli n’amasoko manini.

Guverineri wa Banki Nkuru y’u Rwanda (BNR), John Rwangombwa, yavuze ko hakenewe gukomeza kwigisha ibyiciro bitandukanye by’abaturage ku nyungu ziri mu kudahererekanya amafaranga mu ntoki

Rwangombwa yavuze ko imyumvire mu kwishyurana itari ku baturage basanzwe gusa, atanga urugero ku bayobozi mu nzego za leta bahabwa misiyo zo mu mahanga bakabanza kujya kubikuza amafaranga bajyana.

Ati “Guverinoma yahagaritse gutanga amafaranga ya misiyo mu ntoki, yashyizeho amabwiriza ko tugomba kuguha amafaranga kuri konti yawe, ugakoresha ikarita mu rugendo. Ariko ntabwo bashaka gukoresha amakarita.”

“Natunguwe no kubona bamwe mu bayobozi ba leta n’uyu munsi, iyo hohererejwe amafaranga kuri konti zabo muri banki z’ubucuruzi, barabanza bakajya kuyabikuza mbere y’uko burira indege. Nyamara icyari kigamijwe kwari ukwirinda guhererekanya amafaranga mu ntoki, amafaranga akanyura kuri konti, kwishyura hoteli urakoresha ikarita… ni ikintu gikeneye gukomeza kwigisha.”

Amabwiriza mashya mu guca intege ababikuza amafaranga

Guverineri Rwangombwa yavuze ko ikiguzi cyo gukurikirana amafaranga kiri hejuru cyane, ku buryo hari kurebwa uburyo hashyirwaho inzitizi ku muntu ushaka kubikuza amafaranga ngo ayagendane.

Ibyo ariko ngo bizakorwa ari uko hamaze kubakwa uburyo buhamye bworohereza abantu guhererekanya amafaranga ku nzego zose.

Yakomeje agira ati “Uyu munsi banki zimwe zatangiye gushyira inyungu ku muntu ubikuje amafaranga akayatwara, aho niho twifuza kugana. Nitumara kugira uburyo budufasha mu guhererekanya amafaranga, tuzashyiraho uburyo butuma abaturage batoroherwa no kugenda ngo bayabikuze.”

“Uyu munsi hejuru ya miliyoni 55Frw dushyiraho uburyo bwo kugora umuntu, turi gukorana na banki ngo zijye zituma bigorana kubikuza amafaranga mu ntoki arenze umubare runaka.”

Yavuze ko amafaranga azaba ari ay’umuturage, ariko hazashyirwaho uburyo bwo kugabanya uguhererekanya amafaranga mu ntoki kuko “kuyabikuza ngo ubone kuyakoresha uri gutera ikindi kibazo kitari ngombwa gisaba andi mafaranga.”

Yakomeje agira ati “Dushishikariza abantu gukoresha uburyo budasaba gufata amafaranga mu ntoki, waba ukeneye kuyakoresha ukaba ugomba kubyishyurira. Aho niho turi kugana.”

Umuyobozi w’ihuriro rya banki zikorera mu Rwanda akaba n’Umuyobozi wa BPR Part of Atlas Mara, Maurice K Toroitich, yavuze ko banki zigomba kugira uruhare runini mu kwimakaza ukwishyurana kudahererekanya amafaranga mu ntoki, hagamijwe ubukungu burambye bw’igihugu.

Nubwo ngo gukoresha amafaranga mu ntoki aribyo Abanyarwanda bamenyereye, Toroitich yavuze ko iyo urebye mu myaka icumi ishize usanga ibintu byinshi mu guhanahana amafaranga byarahindutse, cyane cyane kubera Mobile Money.

Umuyobozi wa MTN Rwanda, Bart Hofker, yavuze ko urebye nk’amafaranga anyura kuri mobile money ari nka miliyari 90 Frw mu kwezi kumwe, ariko zikaba zifite amahirwe yo kwiyongera kuko u Rwanda ari kimwe mu bihugu biha umwanya ukomeye ikoranabuhanga.

Minisitiri w’Ikoranabuhanga, Nsengimana Jean Philbert, we yavuze ko hakenewe gukorwa byinshi mu gutuma abantu barushaho kwitabira kohererezanya amafaranga bitari mu ntoki, ariko hakarebwa ko ahantu hose umuntu ukeneye kohereza amafaranga cyangwa kugura ikintu runaka hatabayeho kuyahana mu ntoki, ashobora kubona ibikorwaremezo bimufasha.

Ibyo ngo ni uko nk’uburyo bwo kwishyurana bwifashisha imibare (QR Code) usanga butaragera aho bwakoreshwa n’abanyarwanda bose, cyane ko telefoni zifite ubushobozi bwo kubukoresha (smartphone) zikoreshwa nibura kuri 30%.

BNR iheruka gutangaza ko nibura buri mwaka ikoresha miliyari 2Frw mu gutumiza amafaranga mashya mu mahanga, ahanini bikanagirwamo uruhare n’uko aba yahererekanijwe mu ntoki, amwe akaba akeneye gusimbuzwa.

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TANGA IGITEKEREZO

AMATEGEKO AGENGA IYANDIKA RY'IGITEKEREZO CYAWE

1
king 2017-11-15 06:45:21

UBWO NABAKURU BARIKENEYE ARIKO ABATOYA UBWO BAZAKOMEZA BASHIRIREMO!! ABAYOBOZI KO BARIKUNZE KURUSHA WA MU MEYA WA NYARUGURU USHAKA KWIGARURIRA AMASOKO NA SERIVISE YIMARI KUGIRANGO NGWAJYAZANA ZA FACTURE NKAZAZINDI ZA BROCHETTTE NIMIGATI ABA YAKONSOMEYE KGLI8 AKAZANA NGWAKARERE NIKISHYURE DA!!!!!!! ABO BAYOBOZI BASHYIZE CASH IMBERE CG IBIFU BYABO BAZAGEZAHE IGIHUGU KOKO KWARIBUSANGA BICA BAGAKIZA, BAGABA CG BATONESHA UWO BADATONESHEJE BAKIRUKANA CG BAGAFUNGA UKO BISHAKIYE???

2
Emmy 2017-11-15 00:16:18

Ibivugwa ni byiza kandi akamaro kabyo karumvikana; Ariko mu gihe bivugwa bityo kuki badakemura ikibazo cy’Ikoranabuhanga mu mirenge SACCO ko naho haca amafaranga atari make kandi uwo muco wo kutagendana amafaranga wigishijwe guhera hasi aho bari aribwo wafata.

3
Kanyandekwe 2017-11-14 04:55:44

Ubwo mwatangiye reka mvanemo utwo narinsigaranye muri bank. Ubwo uzajya ubura amafranga ye muri bank bazajya bamubwira ko gouverneur wa bank yavuze ko ntawe bazongera kuyaha.

4
Rwemarika 2017-11-14 04:29:17

Leta yari ikwiye kwitondera iki kibazo, kuko nikomeza gushyira amananiza ku bantu babikuza cash zabo mu ma banki, bizagera aho abaturage bamwe bahitamo kujya babika amafaranga cash mu ngo zabo aho kujya kuyabitsa muri Banki.

5
havugimana D.oliver 2017-11-14 04:06:22

Payment cards (visa, master cards,...) zigira umubare ntarengwa wo kuriha buri cyumweru.
Uzajye muri hotel umaramo iminsi uriha na card. Bahobora kuyagutwara kuri carte ubishyura warenza plafond yayugomba gukoresha bwacya ntubashe kurya.

Ngirango hagomba flexibility kuko kugendana 0 cash ni risk.

Cyane cyane ko hari igihe umuntu ashobora kuriha akantu gato kagura nka 1$

6
Fidele 2017-11-14 03:26:04

Muzatubarize rwose impamvu amabanki atorohereza abakiliya bayo. Dore nk’ubu BK ifite service ya Internet Banking. Iyo umukiliya ayiyandikishijemo yishyura amafaranga agera ku 1000 buri kwezi. Hanyuma yashaka kohereza amafaranga ku yindi banki bakamutwara amafaranga 500 kuri buri transaction. Noneho umuntu akumva ari ukugora umukiliya!

7
rubuyu 2017-11-14 01:45:33

Yakomeje agira ati “Uyu munsi banki zimwe zatangiye gushyira inyungu ku muntu ubikuje amafaranga akayatwara, aho niho twifuza kugana. Nitumara kugira uburyo budufasha mu guhererekanya amafaranga, tuzashyiraho uburyo butuma abaturage batoroherwa no kugenda ngo bayabikuze.â€

Ubwo murabona mutagiye kugarura wa muco wo kubika mu ihembe cg munsi ya matela. Kuki umuntu yafasha bank gukora business zo zikamuhima?

8
bob 2017-11-13 09:35:49

Arikose nkumucyene wanyakabyizi azajya kunyuza amafaranga kumakarita cy kuri bank asagure iki? Cyereka niba ntacyo bakataho

9
Mitako 2017-11-13 09:09:22

Munsobanurire ukuntu umuntu azajya kugura amakara muri bannyahe cyangwa iriya hirya Kirinda ajyiye kwinywera icupa ry’urwagwa mu kabari.Yagiye gupagasa umunsi wose yahingiye 600frw akenshi iyo umuntu avuyeyo aba afite inyota agomba kujya gusoma ku kagwa. Uzajyana mobilo moni mu kabari k’u rwagwa?

10
justin 2017-11-13 07:10:24

Bayobozi bacu nukwitondera imyanzuro mufatira abaturage kuko harigihe imyanzuro ifatwa muburyo bwihuse ugasanga hari rubanda nyamwinshi rubihomberamo, ubwose nkubu murashaka kujya mugora umuntu ugiye kubikuza amafaranga yabitse ngo azamugoboke agize ikibazo, murumva ari Service nziza? Ubwose ngize ikibazo gitunguranye ngakenera amafaranga runaka nkayabura kuko ntemerewe kubikuza amafaranga runaka murumva ikindi gihe ntazajya mbitsa make ngasigaza andi mw’ihembe kandi aribyo Bank zaje zishaka gukemura? Mukore inyigo mushishoje neza murebeko na ba Banyarwanda bo mucyaro bizashoboka.

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