Banki ya Kigali mu buryo bushya bwo kwegereza Abanyarwanda serivisi z’imari

Yanditswe na Rabbi Malo Umucunguzi
Kuya 21 Nzeri 2017 saa 12:43
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Banki ya Kigali (BK) yatangaje ko muri gahunda ya Bigereho Na BK yatangijwe mu byumweru bitatu bishize, ifite intego yo kwereka Abanyarwanda inyungu ziri mu gukorana na banki no kubashishikariza umuco wo kugira konti no kuyizigamaho mu buryo buhoraho.

Muri iyo gahunda, BK izahemba abazayitabira kugeza mu Ukuboza, bakazagenda bahabwa ibihembo bifite agaciro muri za miliyoni z’amafaranga y’u Rwanda birimo moto, igikomeye kikazaba ikamyo ya Mitsubishi ifite agaciro ka miliyoni 38 Frw.

Intego ni uko nibura hazafungurwa konti zigera ku 100 000 z’Abanyarwanda ahanini batuye mu bice bitegereye umujyi, usanga abenshi babona serivisi z’imari bahabwa gusa n’ibigo by’imari iciriritse n’ibyo kubitsa no kuguriza gusa.

Ahantu nk’aho usanga hari abumva ko banki nini ari iz’abakire gusa, ariko Umuyobozi Ushinzwe Ubucuruzi muri BK, Vincent Gatete, yabwiye The New Times ko imyumvire nk’iyo idakwiye ndetse ari yo nka BK bifuza guhindura, kuko banki ibereyeho kugira abaturage abakire.

Yagize ati “Bavuga ko banki ari iz’abakire. Twe turavuga tuti ‘BK yo ibereyeho kubagira abakire’, kandi nk’uko intero yacu ivuga ko ari uguhindura ubuzima mu birebana n’imari, turifuza kurushaho gutera imbere twese hamwe.”

Muri Bigereho, BK izakora ibiganiro mu gihugu hose ikangurira abaturage kubyaza umusaruro serivisi z’imari zikomeje kugenda zegerezwa benshi. FinScope Survey 2016 yagaragaje ko Abanyarwanda 89% bagerwaho na serivisi z’imari, uyu mubare ukaba urenga intego ya 80% guverinoma yari yariyemeje ko izagerwaho mu 2017.

Muri bao, 26% nibo bakoreshaga banki (bagera kuri miliyoni 1.5), 65% bagakoresha ubundi buryo burimo konti za telefoni, Umurenge Sacco, Ibigo by’ubwishingizi n’ibigo by’imari iciriritse mu gihe 72% bakoresha uburyo bw’imari burimo ibimina no kugurizanya mu matsinda.

Bivuze ko nibura abo bagera kuri 72 bashobora kungukira muri Bigereho na BK, ishobora gukemura ikibazo cy’umubare munini w’Abanyarwanda bari batarabasha kubyaza umusaruro inyungu iri mu gukorana na banki.

Muri Bigereho BK isaba abaturage gufunguza konti zo kwizigama bagashyiraho amafaranga nibura mu mezi atatu akurikiraho, bakagira amahirwe yo gutsindira ibihembo bitandukanye ndetse bakagenda babona inyungu.

Gatete yakomeje agira ati “Konti yo kuzigama ni ikintu gikomeye ku mukiliya kubera ko igihe cyose utubikije tuguha inyungu ku buryo uko wizigamira igihe kirekire ariko ubona inyungu nyinshi.”

Muri izo konti zo kuzigama harimo nka BK Kibondo, konti y’abana yo kuzigamaho igihe kirekire igenewe abana bafite imyaka hagati ya 0-16. Iyo konti idakurwaho ya mafaranga ya buri kwezi, ishobora gufungurwa igahita ishyirwaho amafaranga ahera ku 10 000Frw kuzamura, banki ikajya iguha inyungu ya 8% buri mwaka kandi ikaba yabikuzwaho inshuro imwe mu mwaka.

Hari na BK Students’ Saving Account, yagenewe abanyeshuri biga muri za kaminuza n’amashuri yisumbuye, igamije kubafasha kuzigamira kuzakomeza amasomo yabo, ibikoresho by’shuri n’ibindi bakenera mu masomo.

Iyo konti nayo nta mafaranga ikatwa buri kwezi, ishobora gufungurwa igahita ibitswaho guhera ku 20 000frw, buri mwaka ikajya ibona inyungu ya 5%, kandi ikemerera umunyeshuri gusaba inguzanyo.

Hari BK Cash-Extra Savings Account igenewe abantu bashobora kubitsa amafaranga yabo uko babyifuza, igaha umuntu inyungu ya 6% buri mwaka ariko igafungurwa habitswaho nibura guhera ku 50 000 Frw kandi nta mafaranga ikatwa ya buri kwezi.

Hari kandi BK Special Fixed Savings Accounts, ifasha abantu bifite bifuza kuzigamira ibikorwa byabo mu gihe kiri imbere nko kwiyubakira inzu, amasomo ya kaminuza cyangwa kuzigamira iza bukuru.

Iyo konti yo ifungurwa umuntu abitsaho nibura 100 000Frw akajya abona inyungu ya 7% buri mwaka, nubwo ishobora kuganirwaho ikazamurwa bitewe n’ingano y’amafaranga abitswaho.

Banki ya Kigali ikomeje kuyobora isoko nka Banki ya mbere mu Rwanda, iheruka kwegukana igihembo cya banki nziza mu Rwanda, mu bihembo bya 2017 African Bankers’ Awards mu gice cya Afurika y’Iburasirazuba. Ni ibihembo bitangwa n’ikinyamakuru cyo mu Bwongereza cyandika ku birebana n’imari, EMEA.

Si ubwa mbere BK yari yegukanye icyo gihembo, kuko guhera mu 2009 imaze kucyegukana inshuro zisaga eshanu.

Umuyobozi wa BK, Dr Diane Karusisi, yavuze ko kuba iyi banki ihawe igihembo mpuzamahanga ari ikintu gikomeye, kuko biba agaciro imbaraga ishyira mu guhindura ubuzima bw’abaturage mu birebana n’imari binyuze muri serivisi zitandukanye igenda ishyiraho.

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