Muri iki gihe muri izi serivisi z’imari havugwamo imbogamizi zishobora kudindiza iterembere ry’abazikenera.

Ibindi abantu batumva kimwe birimo kuba ushaka kubikuza amafaranga hifashishijwe telefone akatwa ikiguzi cya serivisi hashingiwe ku mubare w’ayo abikuje. Ibi ni na ko bigenda ku mabanki iyo umukiliya abikuje ku ba-agents.

Umukiliya wa banki agira amafaranga akatwa buri kwezi kandi uko abikuje na bwo akishyuzwa, byagera ku by’inguzanyo bikagora benshi bitewe no gutungurwa n’uburemere bw’inyungu batari bamenyeshejwe mbere.

Mu basobanuye iki kibazo hari uwavuze ko “Ufata inguzanyo banki ikwereka ko uzayishyura ku nyungu nk'iya 18% ariko mu gihe cyo kwishyura ugasanga ari 24% kubera ko hari ibyo baba batashyize mu masezerano."

Ikindi ni amasezerano yo muri sosiyete z’ubwishingizi n’ay’inguzanyo ategurwa n’amabanki abaguzi bakunze kunenga ko amenshi aba yanditse mu ndimi z’amahanga batumva neza, hakanibazwa impamvu inyandiko zikozwe n’Abanyarwanda, zikorewe Abanyarwanda zashyirwa mu ndimi z’amahanga.

Itegeko No 017/2021 ryo ku wa 03/03/2021 ryerekeye kurengera umuguzi wa serivisi y’imari risubiza bimwe muri ibi bibazo kimwe n’ibindi bitavuzwe hano.

Umuyobozi Nshingwabikorwa w’Ihuriro ry’Ibigo by’Imari Iciriritse (AMIR), Aimable Nkuranga, mu kiganiro na IGIHE yasobanuye zimwe mu ngingo zigize iri tegeko abaguzi n’abatanga serivisi bakwiye kumenya no kubahiriza nubwo muri rusange iri tegeko ari ingenzi uko ryakabaye.

Harimo ko umuguzi wa serivisi z’imari agomba gufatwa neza bikozwe n’ibigo byabigize umwuga cyangwa abakorana na byo (agents).

Ati “Basabwa gukorera mu mucyo bagasobanurira neza umukiliya ikigiye gukorwa kuko hari igihe umuntu ahabwa serivisi ariko wakurikirana ugasanga amakuru y’ingenzi ntiyari ayafite.”

Yakomeje agira ati “Iri tegeko ribuza igongana ry’inyungu. Hari igihe umuntu agushishikariza gufata serivisi runaka akakwizeza ibitangaza ariko mu by’ukuri ari we ubifitemo inyungu kuko avuga ati ‘ninza guha inguzanyo abantu 10 barampa agahimbazamusyi.’”

Nkuranga yongeyeho ko umuguzi agomba gusobanurirwa neza ikiguzi cya serivisi y’imari akayisaba abizi ndetse akihitiramo ibimubereye.

Ati “Hari igihe wumva mu kigo cy’imari bavuga bati ‘twebwe inyungu duca umukiliya ni 2% ku kwezi. Ahandi bakakubwira ko ari 16% ku mwaka. Umuntu utabizi neza ashobora guhitamo 2% kurusha 16% mu gihe atabisobanuriwe neza kandi nyamara uhuje ibihe by’izo nyungu uwa 16% ni we uhendukiwe.”

“Mu bwishingizi umuntu uzigamira izabukuru cyangwa amashuri baramubwira ngo uramutse upfuye cyangwa ugize ubumuga twabigenza gutya ariko ntibamubwire ko naramuka akeneye ya mafaranga mu gihe runaka bazayamusubiza bayakase.”

Itegeko kandi ritegeka abatanga serivisi gutanga inama ikwiriye bagahuza ubushobozi bw'uyisaba n’intego afite nko mu gihe agiye gusaba inguzanyo ndetse ribuza ko umuntu ahabwa serivisi atasabye.

“Bijya bibaho aho ushobora gufata serivisi runaka nyuma y’igihe ugasanga hari amafaranga runaka bagukase wabaza bakakubwira bati ‘kubera iriya serivisi duhita tuguheramo n’ubwishingizi bujyanye na yo nyamara utarabusabye. Itegeko riravuga ngo nta wuhabwa serivisi atasabye.”

Abamamaza serivisi bashyiramo amakabyankuru no gushitura umuguzi babibuzwa n’iri tegeko kuko bifatwa nko kuyobya no kujijisha bitewe n'uko bagaragaza uruhande rwiza gusa babizi neza ko hari ibindi umuguzi agomba kwitondera.

Ibihano byacibwaga uwishyuye inguzanyo mbere y’igihe byakuweho

Uwasabye inguzanyo muri banki cyangwa ikindi kigo cy’imari ashobora kubona ubwishyu akabutanga mbere y’igihe kiri mu masezerano.

Mbere ibi bigo byashoboraga kwishyuza inyungu uwishyuye muri ubwo buryo ikaba ingana n’igihe cyose umuguzi yagombaga kumarana inguzanyo.

Impamvu bashingiragaho ni uko amafaranga batanzeho inguzanyo baba bayakoreye imibare bakayabarira inyungu cyangwa bakayashora mu bindi bityo wayasubiza mbere ukaba wishe amasezerano ukabihanirwa.

Nkuranga yakomeje agira ati “Muri iri tegeko birabujijwe. Baravuga bati ‘Iyo umuntu yafashe amafaranga akabasha kuyabona mbere y’igihe yari yarihaye akayagarura ntabwo akwiye gucibwa ibihano keretse habayeho ko banki imwe igura inguzanyo yari asanganywe mu yindi ideni ryimukiye muri banki ya kabiri.”

Iri tegeko ryashyizweho mu rwego rwo kunganira iryarengeraga abaguzi muri rusange ryo mu 2012 [Nº36/2012 ryo kuwa 21/09/2012] nyuma y’aho bigaragaye ko ryarimo ibyuho kuko abaguzi ba serivisi z’imari ritabarengeraga mu buryo bwuzuye.

Nubwo rimaze igihe kinini rigiye hanze inzego zibishinzwe zivuga ko hari abantu benshi batararimenya nyamara ririmo amakuru y’ingirakamaro akenewe mu buzima bwa buri munsi.