IGIHE

Kuki hari abatabyaza umusaruro inyungu zihishe mu kwizigamira amafaranga mu bigo by’imari?

3 14-08-2019 - saa 11:37, Evariste Nsengimana

Impuguke mu by’ubukungu n’ishoramari zigaragaza ko uburyo bw’ibanze bwafasha buri muntu gukabya inzozi ze z’ubukire ari ugukorana n’ibigo by’imari bikamufasha kubika no gucunga neza amafaranga, kubona ayo atangiza cyangwa yaguza imishinga ye.

Gusa inyigo zitandukanye zigaragaza ko hari abantu bamwe batarasobanukirwa neza inyungu zihishe mu kubitsa amafaranga yabo mu bigo by’imari, ngo batangire kumwenyura uko inyungu zisukiranya n’umutekano wayo udadiye mu buryo bwihariye.

Inyigo ya FinScope mu 2016, iheruka kwerekana ko Abanyarwanda miliyoni 5.2 bangana na 89% bagera kuri serivisi z’imari. Bisobanuye ko icyo gihe abantu 11%, hafi ibihumbi 700 gusa aribo batoroherwaga no kuzigeraho nyamara bose siko bazihabwa.

Iyi nyigo yerekanye ko abanyarwanda bagera kuri 86%, basaga miliyoni 5.1 bakoresha uburyo ubwo aribwo bwose mu kwizigama ariko 49% nibo bakoreshaga ibigo by’imari bizwi. Ababitsa muri banki n’ibigo by’imari bagabanutse ku kigero cya 15% mu 2008.

Mu 2012 bagabanuka ku kigero cya 14% naho mu 2016 bagabanuka ku kigero cya 13%. Igaragaza kandi ko igipimo cy’ubwizigamire mu Rwanda ugereranyije n’igipimo cy’izamuka ry’ubukungu cyari 17.7%.

IGIHE yasuye AXON Tunga, kimwe mu bigo by’imari bikorera mu Rwanda, igamije gufasha abantu gusobanukirwa n’inyungu zihishe mu kwizigama n’uburyo bwabafasha kumenya no kugera ku nyungu zihishe mu kwizigama.

Ubuyobozi bw’iki kigo cy’imari gifite icyicaro gikuru Nyabugogo mu Mujyi wa Kigali, bwasobanuye ko habaho uburyo bwo kwizigama bw’igihe kirekire n’ubw’igihe kigufi, bwose bwongera umutekano w’amafaranga y’ubitsa kandi akagenda abyara andi umunsi ku wundi.

Nka Konti yo kwizigamira by’igihe kirekire imwe mu zo AXON Tunga igenera abakiliya n’ibigo bibitsa amafaranga menshi, ibafasha kubona inyungu ya buri kwezi utasanga ahandi.

Buti “Umuntu ashobora kwizigama amafaranga ye by’igihe kirekire, nibura amezi 12 kuzamura, akizigama amafaranga ari hejuru ya miliyoni 10Frw kuzamura, AXON Tunga ikaba yamwungukira inyungu igera ku 9% ku mwaka.”

Ni amafaranga menshi kuko akenshi usanga hari nka banki cyangwa ibindi bigo by’imari bikorera mu Rwanda byungukira abakiliya 6% cyangwa 7% ku mwaka, iyo bizigamiye by’igihe kirekire.

Ubuyobozi bwa AXON Tungwa bwakomeje bugira buti “Inyungu itangwa buri kwezi. Ni konti nziza, abo twayifunguriye baduha ubuhamya ko ituma babona inyungu zabo ku gihe mu buryo bwiza.”

Iyi konti kandi yagenewe umwihariko w’uko ‘Umukiliya ufite amafaranga arenga miliyoni 30Frw ashaka kubitsa muri AXON Tunga, ahamagara kuri 5010, ikavugana na ISCO[ikigo gishinzwe umutekano w’abantu n’ibintu] bakaza kuyafata aho ari hose.

Iyo amafaranga amaze gushyirwa kuri konti ye, ahita abona ubutumwa bugufi bumumenyesha ko yagezeho, guhera ako kanya agatangira kubarirwa ya nyungu. Iyi konti ibitswaho uko umukiliya abyifuza ariko akabikuza rimwe mu kwezi.

Ubuyobozi bwa AXON Tunga buti “Ni uburyo turi gushishikariza abantu ngo bizigamire amafaranga yabo kandi abagirire inyungu. Ugasanga umuntu abitse amafaranga mu rugo iwe kandi mu by’ukuri yayazana muri banki nka hano muri AXON Tunga akaba yabona inyungu.”

Hari igihe kandi abantu bazitirwa no kwizigamira mu bigo by’imari cyangwa banki runaka bakeka ko ari uburyo bugenewe abifite gusa nyamara hari uburyo amafaranga yose wayizigama nyuma y’igihe gito akagufasha gukemura ibibazo bimwe na bimwe.

AXON Tunga igira na Konti yo kubitsa no kubikuza uko ubyifuza, amafaranga nubwo yaba ari 1000Frw. Ni nziza cyane ku bakenera amafaranga buri kanya nk’abakora akazi ko kugura no kugurisha ibintu, kuko babikuza bakanabitsa amafaranga igihe babishakiye, bikayarinda gutakara, kwibwa, kuyatagaguza n’ibindi.

AXON Tunga igira n’izindi konti zirimo iyo kwizigamira mu buryo bwunguka 3% ariko ibagenera inshuro ntarengwa (enye) zo kuyibikuzaho. Umukiliya wifuza kuzirenza agira ikiguzi abitangira.

Hari na konti yo kwizigamira (Fixed Deposit), umukiliya agirana amasezerano na AXON Tunga, bitewe n’amafaranga abitsa ndetse n’igihe azayamazaho.

Buti “Amafaranga aba afite umutekano kuko ni ikigo cy’imari cyizewe, akamara igihe runaka twumvikanye, tukamuha inyungu zigera ku 9% bitewe n’igihe amafaranga ye azamara n’ingano yayo.”

Uko iminsi ishira indi igataha, niko ikoranabuhanga rikataza, hagamijwe gufasha abantu gukora ibintu byinshi mu gihe gito kandi batavunitse. Iyo gahunda no mu bigo by’imari ntabwo yibagiranye.

Ubuyobozi bwa AXON Tunga buvuga ko bufite gahunda yo guhuza konti ya banki n’iya MTN Mobile Money batekereje bagamije korohereza abakiliya kubona serivisi bitabasabye kujya ku cyicaro cyangwa gukora urugendo.

Buti “Akarusho ni uko ufite imwe muri konti twavuze mbere dushobora kuyihuza n’ikoranabuhanga rya MTN Mobile Banking, aho umuntu yaba yicaye iwe cyangwa mu kazi, agakanda *182# akajya kuri serivisi z’amabanki (4), warangiza ugahitamo 2 wifuza kuyohereza kuri Bank cyangwa ugahitamo 3 ushaka kuyakura kuri Banki. Iyo birangiye uhitamo (11) ku bigo by’imari, noneho ugahitamo AXON Tunga kuri (3), Ibi bigufasha kuba wakura amafaranga kuri MTN Mobile Money uyashyira kuri konti yawe ifunguye muri AXON Tunga kandi yahujwe na telephone yawe.

Iryo koranabuhanga rishobora no gufasha abakiliya kuyakura kuri Konti yabo ifunguye muri AXON Tunga bakayohereza kuri MTN Mobile Money bitabasabye kujya ku cyicaro cyayo.

Ni uburyo bwiza bushobora gufasha umuntu ukeneye amafaranga mu gihe amasaha y’akazi y’ibigo by’imari yarangiye cyangwa nta mwanya afite wo kujyayo, akabikora atavuye aho ari.

Muri Axon Tunga abakiriya bakirwa neza cyane

Inyigo ya FinScope mu 2016 kandi yerekanye ko 72%(Miliyoni 4.1) by’abanyarwanda aribo babashaga kwaka inguzanyo muri banki n’ibigo by’imari bitandukanye.

Igipimo cy’abaka inguzanyo cyari kuri 15% kivuye ku 9% mu 2012. Icyo gihe 34% by’abanyarwanda bakaga inguzanyo zo gukemuza ibibazo byo mu mibereho.

Impuguke mu by’ubukungu zivuga ko akenshi kutitabira kwaka inguzanyo abantu babiterwa n’ubumenyi bucye bafite ku bwoko bw’inguzanyo bakwaka cyangwa ikigo cy’imari bakorana nacyo.

Ubuyobozi bwa AXON Tunga buvuga ko habaho ubwoko butandukanye bw’inguzanyo zigenerwa abantu ku giti cyabo cyangwa amatsinda, inguzanyo ku mushahara n’izindi kandi zifasha abazihawe kwiteza imbere mu buryo butabagoye.

Nk’inguzanyo AXON Tunga iha itsinda rito, ry’abari hagati ya 6-10 nyuma yo gufungura konti, bakanayizigamiraho ariko bagasabwa gutanga ingwate y’umutungo utimukanwa. Hari n’inguzanyo ihabwa itsinda rigari ry’abari hagati ya 11-30 nyuma yo gufungura konti bakanayizigamiraho.

Iki kigo cy’imari kiganwa n’ibyiciro by’abifite n’abafite ibiciriritse, gifite n’inguzanyo ihabwa uwikorera ufitemo konti yizigamiraho igihe yifuza kwagura ibikorwa bye.

Hari kandi inguzanyo y’ingoboka ihabwa abakiliya bamaze igihe bakorana na AXON Tunga igihe bahuye n’ikibazo kibasaba amafaranga mu buryo bwihutirwa naho inguzanyo ku mushahara yagenewe abakozi bahemberwa muri AXON Tunga.

Ikigo cy’Igihugu cy’Ibarurishamibare, NISR, giheruka gutangaza ko mu gihembwe cya mbere cya 2019, umusaruro mbumbe w’igihugu (GDP) wiyongereye ku rugero rwa 8.4 %, ugereranyije n’igihembwe cya mbere cy’umwaka wabanje.

Umusaruro mbumbe wa serivisi wari 48% by’umusaruro mbumbe wose. Uwa serivisi z’ibigo by’imari n’ubwishingizi wari wazamutseho 14%.

Guverinoma y’u Rwanda yihaye intego yo guteza imbere serivisi z’imari n’umuco wo kwizigama muri gahunda y’Igihugu yo Kwihutisha Iterambere (NST1), izafasha mu nzira igana mu cyerekezo 2050 kigamije kugira u Rwanda igihugu kiri mu cyiciro cy’ibihugu biteye imbere kandi bifite abaturage babayeho neza.

Umukiriya wa Axon Tunga arimo gusobanurirwa ubwoko bwa konti n'inguzanyo yahabwa
Abakiriya bitabwaho bagasobanurirwa serivisi zose
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TANGA IGITEKEREZO

AMATEGEKO AGENGA IYANDIKA RY'IGITEKEREZO CYAWE

1
Nzirabatinya Alexis 2019-08-15 05:38:23

Andika hano ibigo byimari bibona ubaye umukiriya bibabirangiye ibyo gushorimari uranayishora ntiyunguke narimwe.Urugero njye ubwanjye naguze imigabane muri Cryst palac mu 2005 kugezubu sindabonaho ninyungu nibura nigiceri cya 5 mu myaka 4 ubwose bimaziki?

2
Louis 2019-08-14 06:37:04

Iwacu baragerageza. Hari ibindi bihugu baka inyungu z’umurengera. Tekereza nkaho bishyura 36 % kugera kuri 55%. Ku mwaka.

Mugihe iwacu iri hagati ya 16% na 20%

3
Koko 2019-08-13 06:16:22

Bank zo murwanda zirakabya cyane , interest rate yazo iri hejuru cyane ugereranyije no mubindi bihugu.

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