Ibyo wamenya kuri ‘IKOFI’ ya Banki ya Kigali igiye guhindura uko abahinzi babona serivisi z’imari

Yanditswe na Rabbi Malo Umucunguzi
Kuya 21 Gicurasi 2019 saa 11:46
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Mu cyumweru gishize nibwo Banki ya Kigali yatangije serivisi nshya y’imari yise IKOFI, yitezweho gufasha abahinzi bagorwaga no kubona serivisi z’imari, ikazajya ibafasha kwizigama, kohereza amafaranga no kuyabikuza ku buntu, kwishyura serivisi nk’ubwiteganyirize bw’igihe kirekire, inyongeramusaruro n’ibindi.

Ni ikoranabuhanga ryitezweho kuvugutira umuti ikibazo cy’abahinzi bagorwa cyane no kubona serivisi z’imari nk’ishoramari rituma ubuhinzi bwaguka bugateza imbere ubukora, akarenga icyiciro cy’ubuhinzi bwo kwihaza mu biribwa no kwivana mu bukene, agasagurira amasoko.

Imibare yerekana ko hejuru ya 70% by’abanyarwanda bakora ubuhinzi, uru rwego rugatanga umusanzu usaga 30% mu musaruro mbumbe w’igihugu buri mwaka, ariko ugasanga nk’amafaranga banki zishoramo ari munsi ya 6%.

Ibyo ahanini bigaterwa n’uko hataboneka imibare ihagije yerekana uko wa muhinzi yunguka, ishoramari akora mu buhinzi bwe n’umusaruro abona, bishobora korohereza banki kumva neza uyu murimo nk’uko bigenda ku yindi ishorwamo amafaranga menshi nk’ubwubatsi na serivisi.

Kwinjira muri IKOFI ntibigoye

Iyi serivisi y’imari ikoreshwa kuri telefoni, umuhinzi akiyandikisha akoresheje *334*2# na nimero y’indangamuntu, akegera umucuruzi w’inyongeramusaruro ugomba kubyemeza.

Imibare y’Urwego Ngenzuramikorere, RURA, igaragaza ko kugeza mu Ukuboza 2018 abanyarwanda 9,700,609 bangana na 82.1 by’abanyarwanda bose aribo bari batunze telefoni igendanwa. Mu gukora IKOFI, Banki ya Kigali yatekereje ko n’abadatunze telefoni igendanwa batagomba gucikanwa n’aya mahirwe, aho bo basabwa kwegera umucuruzi w’inyongeramusaruro akabandika.

Bahabwa ‘agafunguzo’ (Near Field Communications, NFC) gafite ikoranabuhanga ribikwamo amakuru yabo, bakakifashisha igihe bakeneye kubitsa no kubikuza, bifashishije telefoni y’umucuruzi w’inyongeramusaruro.

Impamvu y’umucuruzi w’inyongeramusaruro ni uko ari serivisi igenewe abahinzi gusa, nk’urwego rurimo amahirwe menshi ariko rudashorwamo imari uko bikwiye. Uyu mucuruzi azaba afite akamaro nk’ak’aba ‘agent’ batanga serivisi za mobile money, kuko IKOFI ikora nka zo ariko yo mu ntangiriro igenewe abahinzi gusa. Banki ya Kigali ivuga ko mu minsi ya vuba izagera no ku bandi babyifuza.

Muri iyi serivisi umuhinzi ashobora kubitsa, kubikuza, kohereza amafaranga ku buntu mu Rwanda, kwishyura imbuto n’inyongeramusaruro, ubwiteganyirize bwa ‘Ejo Heza’ n’ibindi. Mu minsi iri imbere hazongerwamo izindi serivisi nko kwishyura ubwisungane mu kwivuza.

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

Iyi serivisi ariko ifite umwihariko kubera ko mu gihe intego ari ugufasha umuhinzi, hanatekerejwe ko hari igihe umuhinzi ashobora gusaba inguzanyo igenewe ubuhinzi ariko yamara kuyifata akayijyana mu bindi.

Kugeza ubu abasaga ibihumbi 50 bamaze gutangira gukoresha IKOFI.

Ubwo iyi serivisi yatangizwaga mu nama ya Transform Africa iheruka gusozwa i Kigali, 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.

Minisitiri w’Ubuhinzi n’ubuhinzi n’Ubworozi, Dr Gerardine Mukeshimana yashimye iyi gahunda, avuga ko kugira urwego rw’ubuhinzi rutanga 30% mu bukungu bw’igihugu ariko abakorana na banki ari bake cyane, bigira ingaruka ku iterambere ryabwo.

Abakoresha IKOFI bahawe amahirwe adasanzwe

Gutangiza IKOFI byanagendanye no gutangiza ubukangurambaga buzamara ibyumweru 30, buzatuma buri wa Gatanu w’icyumweru umuhinzi watoranyijwe kubera uburyo akoresha iyi serivisi, atsindira miliyoni y’amafaranga y’u Rwanda.

Ni amafaranga ashobora kugira byinshi yunganira mu bikorwa by’umuhinzi. Ku ikubitiro umuhinzi witwa Mukantirenganya Jacqueline wo mu Karere ka Kirehe yahise yegukana iyi miliyoni imwe, ahamya ko igiye kumufasha guteza imbere ubuhinzi bwe.

IKOFI igiye kunganira ikoranabuhanga rya Smart Nkunganire System (SNS), ryubatswe na BK TecHouse ku bufatanye n’Ikigo Gishinzwe Guteza imbere ubuhinzi n’ubworozi, RAB, ubu ihuriweho n’abahinzi basaga miliyoni 1.3.

Ni ikoranabuhanga ryifashishwa n’inzego zishinzwe ubuhinzi mu gufasha abaturage gusaba imbuto n’ifumbire bakeneye, bakanamenyekanisha umusaruro wabo ku buryo bazarushaho kugirirwa icyizere na banki zikarushaho kubaha inguzanyo.

Abayobozi batandukanye bagaragaje ko IKOFI ari serivisi iziye igihe
Dr Karusisi yatangaje ko mu byumweru 30, buri cyumweru umuhinzi azajya yegukana miliyoni imwe y'amafaranga y'u Rwanda
Mukantirenganya Jacqueline wo mu Karere ka Kirehe yegukanye miliyoni imwe kubera gukoresha IKOFI
Mukantirenganya Jacqueline ashyikirizwa sheki ya miliyoni imwe

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