BK yatangije serivisi y’imari yise ‘IKOFI’ izatuma abahinzi batsindira miliyoni buri cyumweru

Yanditswe na Rabbi Malo Umucunguzi
Kuya 16 Gicurasi 2019 saa 03:40
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Banki ya Kigali yatangije serivisi nshya y’ikoranabuhanga yise IKOFI igiye gufasha abahinzi bagorwaga no kubona serivisi z’imari, aho izajya ibafasha kugaragaza neza ishoramari ryabo mu buhinzi, bityo ikababera irembo ryo kubona serivisi zirimo inguzanyo.

Ni igikorwa gikomeye kubera ko hejuru ya 70% by’abanyarwanda bibarwa ko bakora ubuhinzi, uru rwego rugatanga umusanzu usaga 30% mu bukungu bw’igihugu nyamara abahinzi benshi ntibabashe kugera kuri serivisi z’imari, aho usanga nk’amafaranga banki zishora muri uru rwego akiri munsi ya 6%.

Mu mpamvu ziza imbere harimo ko banki zitabasha kubona uburyo umuhinzi yunguka ngo bishingirweho mu kumuha inguzanyo, cyangwa ugasanga hari ingorane zikiri mu buhinzi ku buryo hari igihe butagaragara nk’ishoramari ryunguka.

Iyi serivisi yatangijwe kuri uyu wa Kane muri Transform Africa Summit, nyuma y’indi isanzwe ya Smart Nkunganire yashyizweho ku bufatanye n’Ikigo Gishinzwe Guteza imbere ubuhinzi n’ubworozi, RAB, ihuriweho n’abahinzi miliyoni 1.3.

IKOFI izajya ikoreshwa kuri telefoni, umuhinzi yiyandikishe akoresheje *334*2# na nimero y’indangamuntu, yegere umucuruzi w’inyongeramusaruro ugomba kubyemeza kuko igenewe abahinzi gusa.

Umuhinzi udafite telefoni abifashwamo n’umucuruzi w’inyongeramusaruro akandikwa, agahabwa agafunguzo gafite ikoranabuhanga ribikwamo amakuru ye, akakifashisha mu kubitsa no kubikuza kuri telefoni y’umucuruzi w’inyongeramusaruro.

Muri iyi serivisi umuhinzi ashobora kubitsa, kubikuza, kohereza amafaranga ku buntu mu Rwanda, kwishyura imbuto n’inyongeramusaruro. Mu minsi iri imbere hazongerwamo izindi serivisi zitandukanye zirimo kwishyura ubwisungane mu kwivuza. Indi serivisi IKOFI yabafashamo hari nko kugura umusaruro no kwishyura ubwiteganyirize bwa ‘Ejo Heza’.

Ku ikubitiro abahinzi bakoresha IKOFI bazaba bafite amahirwe yo kugaragaza uko bakoresha amafaranga n’ishoramari bakora mu buhinzi, bikaba byashingirwaho na Banki ya Kigali mu kubaha inguzanyo ku nyungu iri hasi.

Umuyobozi Mukuru wa BK Group PLc, Dr Diane Karusisi, yavuze ko ubu buryo buzafasha abahinzi kujya bagaragaza neza ishusho y’ubuhinzi bwabo, bityo ayo makuru akaba yashingirwaho mu kubafasha kwagura ishoramari.

Ati “Twizera ko IKOFI ari uburyo bugezweho bwafasha mu by’imari kandi uretse ubundi buryo bwo kubika amafaranga kuri telefoni buri ku isoko, twifuza ko IKOFI yafasha no mu buryo busanzwe bwo gukorana na banki ku bahinzi bose mu gihugu, tukaba twarateganyije uburyo bwafasha buri muhinzi kwitabira ngo ajye abona inguzanyo mu bikorwa bye.”

Yanashimiye leta yashyize imbaraga mu gutuma urwego rw’ubuhinzi rurushaho kwitabirwa, aho iheruka gutangiza ubwishingizi bw’ubuhinzi buzafasha mu kwishingira ibyago n’ibihombo bushobora guhura nabyo bitewe n’ibiza, udukoko n’ibindi.

Minisitiri w’Ubuhinzi n’ubuhinzi n’Ubworozi, Dr Gerardine Mukeshimana, yavuze ko kugira urwego rw’ubuhinzi rutanga 30% ariko abakorana na banki ari bake cyane, bigira ingaruka ku iterambere ryabwo.

Ati “Ibyo bituma abahinzi badashobora gushora imari uko bikwiye ngo bave mu buhinzi bwo kwihaza mu biribwa no kwivana mu bukene, abacuruzi ntabwo babona ubushobozi buhagije ngo barangure ibikenewe ndetse n’abahinzi ntabwo babasha kongera ishoramari batanje kugurisha umusaruro wabo, bivuze ko batabasha gutegereza ibiciro byiza by’umusaruro wabo kugira ngo barusheho guteza imbere ibyo bakora.”

Umuyobozi Mukuru muri Minisiteri y’Imari n’igenamigambi ushinzwe Serivisi z’Imari, Eric Rwigamba, yavuze ko hakomeje kuganirwa uburyo bwo gushakira umuti ibibazo bituma ubuhinzi budashorwamo imari uko bikwiye. Abanyarwanda 27% nibo bakorana na banki.

Ati “Ibyo ahanini biterwa no kutabona amakuru ahagije. Ku rwego rwo gutanga inguzanyo, hakenewe ko habanza kumvwa neza uko uyu mwuga ukorwa n’amahirwe awurimo.”

Umuyobozi w’Ikigo cy’Igihugu gishinzwe Ikoranabuhanga mu Itumanaho n’Isakazabumenyi (RISA), Innocent Muhizi, yavuze ko ikoranabuhanga u Rwanda rugezeho rikwiye kuba umuti w’ibibazo bigaragara mu nzego zinyuranye.

Nyuma yo gutangiza IKOFI, Dr Karusisi yavuze ko hagiye gukorwa ubukangurambaga buzamara ibyumweru 30 buzatuma buri wa Gatanu w’icyumweru umuhinzi watoranyijwe kubera uburyo akoresha iyi serivisi, atsindira miliyoni y’amafaranga y’u Rwanda.

Ku ikubitiro umuhinzi witwa Mukantirenganya Jacqueline wo mu Karere ka Kirehe yahise yegukana iyi miliyoni imwe igiye kumufasha guteza imbere ubuhinzi bwe.

Banki ya Kigali kandi kuri uyu wa Kane yasinyanye amasezerano y’imyaka itatu n’Ihuriro Nyafurika Rigamije Iterambere ry’Ubuhinzi, AGRA, agamije ubufatanye mu kurushaho kwegereza serivisi z’imari abahinzi baciriritse.

Abayobozi bagaragaje ko IKOFI ari umushinga uziye igihe
Iki kiganiro cyibanze ku ishoramari mu buhinzi cyitabiriwe n'abantu batandukanye
Umuyobozi w'Ikigo kigenzura Isoko ry'Imari n'Imigabane mu Rwanda, Eric Bundugu
Dr Karusisi yatangaje ko mu byumweru 30, buri cyumweru umuhinzi azajya yegukana miliyoni imwe y'amafaranga y'u Rwanda
Dr Karusisi yavuze ko bijyanye na gahunda leta yashyizeho, ubuhinzi ari urwego rwunguka
Guverineri wa Banki Nkuru y'u Rwanda, John Rwangombwa yakurikiye ikiganiro cyagarukaga ku ishoramari mu buhinzi
Umuyobozi ushinzwe ibikorwa muri BK, Desire Rumanyika
Umuyobozi ushinzwe Ihinduramikorere mu ikoranabuhanga muri BK Group Plc, Regis Rugemanshuro, ni we wayoboye iki kiganiro
Visi Guverineri wa Banki Nkuru y'u Rwanda, Dr Monique Nsanzabaganwa yitabiriye iki kiganiro
Minisitiri w'Ubuhinzi n'Ubworozi Dr Gerardine Mukeshimana yavuze ko kuba ubuhinzi butunze benshi ariko bukaba budashorwamo imari ikwiye ari ikibazo
Mukantirenganya Jacqueline ashyikirizwa sheki
Mukantirenganya Jacqueline wo mu Karere ka Kirehe yegukanye miliyoni imwe kubera gukoresha IKOFI
Thierry Nshuti Ushinzwe Imenyekanishabikorwa muri BK, ubwo hasinywaga amasezerano na AGRA
Abayobozi ba BK na AGRA mu kiganiro n'abanyamakuru
Dr Diane Karusisi n'Umuyobozi uhagarariye AGRA ubwo bahererekanyaga amasezerano

Amafoto: Niyonzima Moise


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