Banki zasabwe kugabanya ibiciro byo gukoresha ikoranabuhanga muri serivisi z’imari

Yanditswe na Rabbi Malo Umucunguzi
Kuya 2 Ukuboza 2017 saa 12:07
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Minisitiri w’Imari n’igenamigambi, Amb Gatete Claver, yasabye banki gushyira imbaraga mu guteza imbere ikoreshwa rya serivisi z’imari, hagamijwe gushisikariza abantu kuzikoresha bakareka gutwara amafaranga mu ntoki kuko bihombya igihugu.

Ku mugoroba wo kuri uyu Gatanu nibwo habaye umusangiro w’abanyamabanki bo mu Rwanda, baganira uburyo ikoranabuhanga ryarushaho kuba umusingi wa serivi batanga.

Minisitiri Gatete yavuze ko igihugu kiri gushora imari cyane mu bumenyi n’ikoranabuhanga, ku buryo haba muri gahunda zishyirwaho, ibikorwaremezo, imiyoborere n’ibindi, leta ibishyize imbere cyane.

Yagize ati “Icyo dushaka ni ukugira ngo abantu babanze bamenyere kubika amafaranga mu mabanki kuko birafasha abantu benshi. Biratuma amafaranga aboneka noneho inguzanyo zigatangwa ari nyinshi ariko no kugira ngo abantu bagire umutekano w’amafaranga yabo kuko kuyagendana akenshi bigutera umutekano muke.”

“Bizanafasha cyane kugabanya cya kiguzi Banki nkuru itanga kugira ngo ikore ziriya noti buri gihe ikora zisimbura izindi. Birafasha rero kugira ngo noneho amafaranga yacu makeya tuyakoreshe neza.”

Imibare y’abakoresha serivisi z’imari mu 2008 bari 48%, hashyirwamo imbaraga nyinshi ku buryo mu myaka ine yakurikiye, mu 2012 bageze kuri 72%; mu 2016 bagera kuri 89%.

Guverineri wa Banki Nkuru y’u Rwanda, John Rwangombwa, yavuze ko abanyamabanki bafite uruhare rukomeye mu kugeza iterambere kuri bose binyuze mu ikoranabuhanga muri serivisi z’imari ariko haracyarimo imbogamizi.

Yagize ati “Ibitekerezo twagiye tubona mu bukangurambaga bwacu mu gushishikariza abantu kurushaho gukoresha ikoranabuhanga muri serivisi z’imari, byagiye bigaruka ku kiguzi bisaba kimwe n’iboneka ry’umurongo ukoreshwa.”

“Nkaba nsaba banki gusuzuma uburyo baca amafaranga kuri serivisi zikorwa mu korohereza abahererekanya amafaranga no kwishyurana mu ikoranabuhanga, no kugabanyiriza imbaraga ihererekanywa ry’amafaranga mu ntoki.”

Yavuze ko kugabanya ibiciro ku ihererekanywa ry’amafaranga mu ikoranabuhanga byatuma umubare w’abishyurana muri ubwo buryo urushaho kuzamuka, asaba banki n’ibigo by’itumanaho kubigiramo uruhare.

Kugeza ubu mu Rwanda hari uburyo bukoreshwa mu kohererezanya amafaranga no kwishyurana burimo amakarita, Mobile Money, gukoresha internet no kwifashisha telefoni mu gukoresha konti iri muri banki.

Umuyobozi w’Ihuriro rya banki zikorera mu Rwanda, Maurice K Toroitich unayobora BPR Part of Atlas Mara, yavuze ko u Rwanda rwateye intambwe mu ikoranabuhanga ku buryo banki zigomba kuribyaza umusaruro, mbere y’uko ibigo bitari banki bibatwara umugati.

Yakomeje agira ati “Ubushobozi mu bijyanye n’ibikorwaremezo burahari, ahubwo akazi gasigaye mu birebana na tekiniki n’ubushobozi bw’abakozi bacu bwo kubasha gukora ibintu bitandukanye, bikenewe ngo turusheho kubyaza umusaruro ibikorwa remezo dufite.”

Ihuriro rya banki n’ibigo by’imari mu Rwanda (Rwanda Bankers Association, RBA) rihuriramo banki 12 z’ubucuruzi n’ibigo bine by’imari iciriritse.

Amafoto: Muhizi Serge


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