Rasta, kenshi buri wa Gatandatu abyukira kuri salon akodesha ku Gisimenti. Aba afite ibikoresho bye yifashisha mu kogosha birimo imashini.

Benshi bishingikiriza ku bumenyi bwe kugira ngo base neza na cyane ko ari umwogoshi w’umuhanga, bakava mu bice bitandukanye bamugana ngo abacyeshe mu buryo buri wese akunda.

Hafi aho hari na Clemence uzobereye mu gutunganya imisatsi mu mideli itandukanye, afasha umwe mu kanya nk’ako guhumbya hakaza undi, bose akabafasha yisekera, ari na ko yinjiza agatubutse.

Ayo akura mu bakiliya be ni yo amufasha kwiyitaho, kwishyura inzu abamo n’ibindi akenera mu buzima bwe bwa buri munsi.

Igitangaje ni uko abo bose nta konti bagira muri banki. Wagize se ngo ni uko nta yo babona yo kubitsaho? Ashwi da! Icyakubwira ko hari n’ubwo binjiza agatubutse kurusha n’ababona umushahara wa buri kwezi!

Icyakora kubera ko ariya mafaranga uba utateganyije azira igihe ashakiye, uyu munsi aba ari menshi, ejo akaba ari mu rugero.

Ikizwi ni uko usanga banki z’ubucuruzi zubakitse mu buryo budaha aba bantu ikaze na bo bakabaho bumva ko nta mpamvu n’imwe yo kugana ibi bigo by’imari.

Dukunze kubyita kudaheza mu bijyanye na serivisi z’imari. Rimwe twumva ko abantu nka Rasta na Clemence n’abandi baba mu mushabitsi bwa buri munsi batagera kuri serivisi z’imari. Ariko bazigeraho.

Bakoresha za SACCO, bakaba mu bimina, bakizigama mu buryo busanzwe bwo kubika amafaranga. Iyo ibintu byakomeye ni bwo usanga bagana ba bantu babaha inguzanyo ziremereye bakabaca, inyungu z’umurengera ibizwi nka “Banque Lambert”.

Aha ni ho ngera nkibaza nti “Kuki badakorana natwe? Kuki batatugana ngo tubahe serivisi z’imari?”

Tuvugishije ukuri, uburyo dukoramo ntabwo babwisangamo habe na busa kuko ari na yo mpamvu usanga bagana izindi nzira kandi ziruhije.

Uburyo banki z’ubucuruzi zikorwamo usanga ari ukwita ku nyandiko zigaragaza uburyo umuntu ahembwa, ingwate, ikigaragaza aho aba, ibyo yinjiza mu buryo buhoraho n’ibindi.

Icyakora abanyabiraka cyangwa abakora imirimo itanditse, usanga badakorera muri uwo murongo ugororotse, aho uba wagerageza gukora imibare, ukagereranya ibyo azinjiza mu gihe runaka.

Ibyo binjiza bihora bihindagurika, ariko birahari.

Mu gihe tuba dusaba kuzuza inyandiko runaka, no kubaha icyo gihe cyo gutegereza, bo baba bihuta cyane nta mwanya wo gutegereza bafite.

Mu gihe tuba duharanira gushyiraho inyungu zigonderwa bo baba bishyura 30% ku kwezi. Ndetse bamara kwishyura bagasubirayo batyo batyo.

Muzi impamvu? Ni uko izo serivisi bahabwa bazibona byoroshye kandi zirihuta.

Urukuta ruri hagati y’abanyabiraka na banki

Mu Rwanda hari urukuta rukomeye ruri hagati ya banki z’ubucuruzi n’abinjiza imari itanditse bagira uruhare rukomeye mu bukungu bw’u Rwanda.

Twirengagiza guha serivisi abantu kuko ngo badafite ikigaragaza ibyo binjiza mu buryo buhoraho, bikarangira na bo batatwisanzemo.

Banki z’ubucuruzi zibonwa nk’iz’abakire, za zindi ziba zitafasha ushaka amafaranga byihuse. Tuzwi nka ba bandi baba babwira abantu ngo nibategereze n’ibindi.

Ikibazo nyamukuru si uburyo bwo kubakira na yombi, no kutabaheza ahubwo ni uburyo tugomba kubabera ingirakamaro.

Ni iki banki zatanga abandi batatanga?

Nimureke ntitwiciririkishe. Banki z’ubucuruzi zishobora gushyira ku meza byinshi abandi batabasha, birimo kwagura ibikorwa, zigaha serivisi abantu benshi, serivisi z’igihe kirekire, kubungabunga umutungo w’abantu, gutanga ubumenyi mu by’imari ndetse no gutanga amafaranga byihuse hisunzwe ikoranabuhanga.

Dushobora gufasha umuntu akava ku nguzanyo y’ibihumbi 200 Frw akagera ku rwego atunga ‘salon’ ye.

Dushobora kubafasha kongera igishoro, bakazigama azabatabara mu bihe by’ibibazo, tukabafasha kwitwara neza bagakoresha neza inguzanyo bahawe bakishyurira ku gihe, tukabagasha kubona inguzanyo zisumbuye cyangwa gutera imbere imishinga yabo ku nyungu zigonderwa.

Kugira ngo dufashe abari muri uru rwego, tugomba guhinduka, tugahindura imikorere.

Banki zikwiriye gutekereza bundi bushya

Dukeneye kwibaza ibibazo bikomeye:

Ese twasubiramo uburyo busanzwe bw’imikorere ya banki kugira ngo bwihute, bworohereze buri wese, ariko bunakomeze gucunga ibyago nyakuri bishobora guturuka muri aba bakora imirimo itanditse?

Dushobora guhindura ubwoko bw’inguzanyo dutanga, dushingiye ku buryo amafaranga aboneka aho kuba ingwate?

Dushobora gushyiraho uburyo bworoshye ibintu bikorwamo?

Ese dushobora gushora mu bijyanye no kwigisha aba bantu uburyo bwo kwisunga banki, ariko bigakorwa mu buryo bisangamo, bitari ukubigisha twifashishije za nyandiko zitunganyije neza?

Nk’uko twashinze ibigo bifasha ibigo bito n’ibiciriritse, nk’uko twashinze ibigo bitanga serivisi za banki, dushobora no gushyiraho ibigo byagenewe abakora iyi mirimo itanditse, bigakoramo n’abantu bumva neza uko abo bantu bakora?

Mutekereze kuri BancoSol, banki y’ubucuruzi yagerageje guha serivisi ba rwiyemezamirimo bato bakora imirimo itanditse mu myaka 30 ishize.

Yashyizeho abashinzwe inguzanyo muri abo bantu, bakirirwana na bo, igena inguzanyo itanga hashingiwe ku mafaranga umuntu yinjije ku munsi n’ibyo yakoresheje, za nyandiko izikora mu buryo bworoheye buri wese kumva, byose ikabikora inagenzura ibyago bishobora kuzamo.

Muri Banki ya Kigali natwe twateye intambwe ikomeye, dutangira nk’iyo gahunda duhereye hasi. Ubu dufite aba-agent 5.300, dufite uburyo umuntu ashobora kubona serivisi za banki akoresheje telefone n’uburyo bwo gufungura konti bidasabye ko uza ku biro bya banki.

Kugira ngo tuzibe iki cyuho, tugomba kwagura ibikorwa ariko tubikora tugera ku bagenerwabikorwa mu buryo bwihariye, tukigisha ababa muri iyi mirimo itanditse ndetse na serivisi dutanga zigashingira ku buzima bwite bw’ababa muri iki cyiciro cy’imirimo itanditse.

Banki z’ubucuruzi zishobora gukorana n’abanyabiraka?

Bishobora gukunda mu gihe twaba duhinduye uburyo dutekereza. Aho gutekereza uburyo abaturage bakwisanga muri serivisi za banki, tugomba kwibaza uburyo banki yamanuka ikisanga mu buzima bw’aba bantu.

Kuko ntabwo badutegereje. Biyubakiye uburyo babona ko bukora, butari bwiza ariko bwihuta. Bubashyira mu byago ariko bisangamo.

Ikibazo nyakuri ni: Ese twiteguye guhanga tugendeye ku kuri gusanzwe guhari?

Banki ya Kigali yashyizeho uburyo bufasha abakiriya kubona serivisi zayo bakoresheje telefone