Umuhinzi w’i Ngoma yatsindiye miliyoni 1 Frw mu ‘IKOFI’ ya Banki ya Kigali (Amafoto)

Yanditswe na Ishimwe Israel
Kuya 29 Gicurasi 2019 saa 08:12
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Ndikubwimana Emmanuel wo mu Karere ka Ngoma yatsindiye miliyoni 1 Frw binyuze muri serivisi ya ‘IKOFI’ ifasha abahinzi kubitsa, kubikuza, kohereza amafaranga ku buntu, kwishyura imbuto n’inyongeramusaruro n’ibindi.

IKOFI ni serivisi ya Banki ya Kigali yatangirijwe mu Nama ya Transform Africa muri Gicurasi 2019, mu korohereza abahinzi kubona serivisi z’imari, kugaragaza ishoramari ryabo mu buhinzi no kubabera irembo ryo kubona inguzanyo.

Ni ikoranabuhanga rizavugutira umuti ikibazo cy’abahinzi bagorwa no kubona serivisi z’imari nk’ishoramari rituma ubuhinzi bwaguka bukabateza imbere, bakarenga icyiciro cy’ubuhinzi bwo kwihaza mu biribwa no kwivana mu bukene, bagasagurira amasoko.

Yatangiranye n’ubukangurambaga bw’ibyumweru 30 butuma buri cyumweru umuhinzi watoranyijwe kubera kuyikoresha ahembwa.

Nyuma ya Mukantirenganya Jacqueline wo mu Karere ka Kirehe, waganuye kuri icyo gihembo, Ndikubwimana yabaye uwa kabiri, watsindiye miliyoni 1 Frw.

Inkuru nziza kuri uyu muhinzi wa kawa, ibigori, ibishyimbo na macadamia, yamugezeho ku wa 24 Gicurasi 2019, nyuma ya tombola yakorewe kuri Radio Rwanda.

Kuri uyu wa Kabiri, tariki ya 28 Gicurasi 2019, nibwo Ndikubwimana yashyikirijwe sheke ya miliyoni 1 Frw.

Mu binezaneza byinshi yavuze ko amafaranga yahawe agiye kumufasha kwagura ubuhinzi bwe.

Yagize ati “Nagiye kuri BK mbwira uwanyakiriye ko nshaka gufunguza ‘IKOFI’ anjyana ku mu-agent ubishinzwe. Maze gufungura konti nabonye ubutumwa, bambwira ko hari poromosiyo yo gutsindira miliyoni.’’

Ndikubwimana utuye mu Murenge wa Murama i Ngoma yatsinze nyuma y’iminsi itatu akoresha serivisi ya IKOFI. Yabikijeho ibihumbi 24 Frw, arabikuza ndetse anaguriraho imiti y’amatungo.

Yagize ati “Nkibwirwa ko natsinze nagize ibyishimo ariko sinabyemera. Nahamagawe n’umukozi wa BK, ku wa Mbere njya ku ishami ryayo i Ngoma nereka umuyobozi nimero yampamagaye. Guhabwa miliyoni ni ibintu bitoroshye, nari ntararenza ibihumbi 500 Frw mu ntoki zanjye.’’

Yakomeje ashishikariza abahinzi bagenzi be kwiyandikisha mu IKOFI.

Ati “Nyuma yo gutsinda ngiye kongera imbaraga mu buhinzi bwanjye. Sinari umukiliya wa BK. Bakimpamagara abantu benshi baje kundeba, bambaza uko byagenze ndabasobanurira.’’

Abahinzi bakoresha IKOFI bafite amahirwe yo kugaragaza uko bakoresha amafaranga n’ishoramari bakora mu buhinzi, bizaba amahirwe yo kuba Banki ya Kigali yabaha inguzanyo ku nyungu iri hasi.

Mutangana Félix ukora mu Ishami ry’Ubucuruzi rya BK Plc mu mushinga wa IKOFI yavuze ko iyi serivisi yashyiriweho guteza imbere abahinzi.

Yagize ati “Abenshi wasangaga babika amafaranga yabo munsi y’uburiri. Ni gahunda yakuyeho kumva ko umuntu atagera kuri banki ngo abitse amafaranga. Abahinzi bashobora kwibikira amafaranga kuri telefoni hanyuma igihembwe cy’ubuhinzi cyagera bakajya kugura inyongeramusaruro biboroheye.’’

Yakomeje avuga ko “Ni gahunda ifunguriye abahinzi mu gihugu hose, buri wese afite amahirwe yo gutombora.’’

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

Imikorere ya IKOFI

IKOFI ikoreshwa kuri telefoni aho umuhinzi yiyandikisha akoresheje *334*2# na nimero y’indangamuntu; yegera umucuruzi w’inyongeramusaruro ugomba kubyemeza, akamuha umubare w’ibanga akoresha.

Udafite telefoni abifashwamo n’umucuruzi w’inyongeramusaruro akandikwa, agahabwa agafunguzo (Near Field Communications, NFC) gafite ikoranabuhanga ribikwamo amakuru ye, akakifashisha mu kubitsa no kubikuza kuri telefoni.

Impamvu y’umucuruzi w’inyongeramusaruro ni uko ari serivisi igenewe abahinzi gusa, nk’urwego rurimo amahirwe menshi ariko rudashorwamo imari uko bikwiye. Uyu mucuruzi akora nk’aba ‘agent’ batanga serivisi za mobile money, kuko IKOFI ikora nka zo.

Muri iyi serivisi umuhinzi ashobora kubitsa, kubikuza, kohereza amafaranga ku buntu mu Rwanda, kwishyura imbuto n’inyongeramusaruro. Indi serivisi IKOFI itanga ni iyo kugura umusaruro no kwishyura ubwiteganyirize bwa ‘Ejo Heza’.

Ndikubwimana ni umuhinzi w'ibihingwa birimo ibigori, ibitoki, ibishyimbo n'ibindi
Ndikubwimana yari afite akanyamuneza ku maso
Ndikubwimana Emmanuel wo mu Karere ka Ngoma yabaye umunyamahirwe wa kabiri watsindiye miliyoni 1 Frw binyuze muri serivisi ya ‘IKOFI’
Umuyobozi Mukuru ushinzwe Imenyekanishabikorwa muri BK Plc, Nshuti Thierry (iburyo) na Mutangana Félix ukora mu Ishami ry’Ubucuruzi bashyikiriza Ndikubwimana Emmanuel sheke ya miliyoni 1 Frw yatsindiye
Mutangana Felix ukora mu Ishami ry’Ubucuruzi rya BK Plc mu mushinga wa IKOFI yavuze ko iyi serivisi yashyiriweho guteza imbere abahinzi

Amafoto: Niyonzima Moïse


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