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Banki zo mu Rwanda mu muvuno mushya wo kugera ku Banyarwanda benshi

0 11-09-2020 - saa 12:22, Ndahayo Emmanuel

Leta y’u Rwanda ifite intego y’uko muri 2024, abanyarwanda 100% bazaba bakoresha serivisi z’imari, bavuye kuri 93% bazikoresha uyu munsi.

Mu rwego rwo kubigeraho, ibigo by’imari nk’abafatanyabikorwa bazungukira cyane muri iyi gahunda kuko serivisi zabo zizagera kuri benshi, byafashe iya mbere mu kwiga uburyo bushya bwatuma umubare munini w’abanyarwanda ukoresha serivisi z’imari.

Bumwe muri ubwo buryo harimo gukoresha ikoranabuhanga, ndetse no kurushaho kwegereza abanyarwanda serivisi z’imari hafi yabo, kugira ngo bazigereho byoroshye.

Impamvu ibi ari ngombwa ni uko umubare w’abanyarwanda bakorana na banki ukiri hasi cyane, kuko ari miliyoni 2.6 bangana na 36% by’abanyarwanda bagejeje imyaka y’ubukure.

Iyi ni inyongera nini ugereranyije n’uko bari miliyoni 1.4 (bingana na 26% by’abanyarwanda bagejeje imyaka y’ubukure) muri 2016, ariko muri rusange baracyari bacye cyane ugereranyije n’umubare munini w’ibigo by’imari mu Rwanda, bimaze kuba 16.

Birumvikana ko bisangiye isoko rito, kandi hari igice kinini cy’abanyarwanda batagerwaho na serivise z’imari, bivuze ko hakenewe uburyo bwo guhanga udushya turushaho kwegereza abanyarwanda bo mu byaro serivisi z’imari, kuko n’ubundi ari bo batazitabira cyane.

Nk’ubu mu gihe abagera kuri 78% by’abatuye Umujyi wa Kigali bakorana n’ibigo by’imari, mu turere tw’ibyaro nka Karongi ni 14%, bakaba 13% muri Burera na 8% muri Karongi.

Mu bushakashatsi bwa FinScope 2020 buherutse gushyirwa hanze, byagaragaye ko imwe mu mbogamizi zituma abantu batitabira gukorana n’ibigo by’imari, ari ingendo ndende bakora babiganaho, aho muri rusange, umunyarwanda akora urugendo rw’iminota 43 agiye ku kigo cy’imari, cyangwa 41 agiye ku cyuma kibikuzirwaho (ATM).

Iyo utekereje ko nyinshi muri izo ATM n’amashami menshi ya banki n’ubundi biri mu mujyi wa Kigali, kuko hari n’ababikoresha benshi, byerekana impamvu kubona serivisi z’imari mu cyaro bigoranye.

Mu rwego rwo guhangana n’izi nzitizi, ibigo by’imari mu Rwanda byatangiye kwiga uburyo bushya, buzabibashisha kwegera abanyarwanda ba kure, mu gihe n’ubundi abatanga serivisi z’imari bari kurushaho kwiyongera mu Rwanda, cyane cyane bigizwemo uruhare n’ibigo by’ubwishingizi n’itumanaho biri kwinjira cyane no muri serivise z’imari nko gutanga inguzanyo hifashishijwe ikoranabuhanga.

Mu mwaka ushize, inguzanyo zirenga miliyari 25.41Frw zatanzwe hifashishijwe ikoranabuhanga.

Ibigo by'itumanaho byinjiye muri serivise z'imari cyane, bituma banki ziga ubundi buryo bwo gukomeza kwegera abaturage

Ibi rero byarushijeho gusunikira ibigo by’imari mu kwiga uburyo bushya bw’imikorere. Kuri ubu, ibi bigo biri kurushaho gukorana n’abaturage basanzwe bafite ibikorwa by’ubucuruzi mu bice by’igihugu izo banki zidafitemo amashami, maze bakabahagararira muri ibyo bice, aho bazwi ‘nk’aba-agenti’.

Ubu buryo nibumara kumenyerwa hose, bwitezweho kuzatanga umusaruro ufatika kuko aba ba ‘agenti’ basanzwe begereye abaturage, aho bitagorana kubamenyereza serivisi nshya zahaje.

Ikindi, ubu buryo bwo gukorana n’aba-agenti buhendukira banki, kuko itirirwa yubaka cyangwa ngo ikodeshe aho gukorera, habe yewe no kwishyura abakozi bashya bakayihagarariye ku ishami runaka, ibi na byo bigatuma umusaruro wazo urushaho kwiyongera kuko amafaranga akoreshwa agabanuka.

Ubu buryo kandi buri gutanga icyizere, kuko hari aho byagaragaye ko ‘aba-agenti’ ba banki runaka bashobora gukora ibikorwa byinshi kurusha n’amashami ya banki bakorera mu bice bimwe, ikirushaho kwerekana ko ubu buryo bushoboka kandi bufitiwe icyizere n’abanyarwanda.

Imwe muri banki zafashe iya mbere mu gukorana n’aba-agenti ni BPR Plc. Iyi banki, nk’imwe mu zimaze igihe kinini mu Rwanda, isanzwe ifite amashami menshi mu Rwanda, agera ku 186, ariko imaze kongeraho n’aba agenti 300 bari mu gihugu hose.

Ku rundi ruhande, kuba ibigo by’imari biri gushyira imbaraga nyinshi mu gukorana n’aba agenti, birimo no kugabanya ibyuma bitanga amafaranga (ATMs) bisanzwe bifite.

BNR iherutse gutangaza ko muri rusange, ibigo by’imari mu Rwanda byagabanyije ATMs zabyo, ziva kuri 390 muri Kamena umwaka ushize, zigera kuri 331 muri Kamena uyu mwaka.

Imashini za ATM zisanzwe ari ikoranabuhanga rihenze, kuko imwe ishobora kugura hafi miliyoni enye z’amanyarwanda. Iyo wongeyeho igiciro cyo kuyikoresha igihe yangiritse n’ibindi biyigendaho mu kuyitaho no kuyicungira umutekano, yaba uw’ikoranabuhanga n’aho iri, birumvikana ko igiciro kirushaho kuzamuka.

Ni mu gihe abenshi mu ba-agenti ba banki usanga batanga serivisi hafi ya zose ziboneka muri banki n’ubundi, nko kubitsa no kubikuza, kohereza amafaranga, kwishyura imisoro n’izindi.

Usibye kongera umubare w’abakorana n’ibigo by’imari, kugira aba-agenti benshi byitezweho gufasha muri gahunda izwi nka ‘cashless’, yo kwifashisha ikoranabuhanga mu kwishyurana no gukoresha amafaranga ibindi nkenerwa, aho kuyahererekanya mu ntoki bisanzwe bimenyerewe.

Iyi mibare nayo iri kuzamuka, kuko nko mu gihembwe cya mbere cy’uyu mwaka, abantu bahererekanyije amafaranga bifashishije ikoranabuhanga inshuro zirenga miliyoni 500, bahanahana amafaranga afite agaciro ka miliyari 3.840 Frw. Ibi byari inyongera ya 86% ugereranyije n’igihe nk’icyo umwaka ushize.

Umubare w’abakoresha uburyo bwa ‘Mobile banking’ nawo wazamutseho 29% mu gihe abakoresha ‘internet banking’ na bo bazamutseho 71%.

Muri rusange, uku kuzamuka kw’abakoresha serivisi z’imari mu Rwanda bizongera igishoro cya banki, bitume zitanga inguzanyo nyinshi kandi zihendutse, bityo umubare w’abazikoresha wiyongere.

BPR Plc ni imwe muri banki zifite aba-agenti benshi, barenga 300 mu gihugu hose
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