e-Kash ni uburyo butuma abakiliya bashobora kohereza no kwakira amafaranga ndetse bagakora ubwishyu hagati y’ibigo by’imari byahawe uruhushya rwo gakora, bityo servisi zo kwishyurana zikarushaho kuboneka, mu buryo bwizewe, ku giciro gihendutse kandi zikagera kuri buri wese.

Banki Nkuru y’Igihugu yatangaje ko ubwo buryo buhuriweho n’ibigo by’imari n’ibindi bitanga serivisi zo kohererezanya amafaranga mu buryo bw’ikoranabuhanga kandi ko ikiguzi ari gito cyane kuko ari 20 Frw kuri buri gikorwa gikozwe.

Iteganya kandi ko amafaranga ahererekanywa atagomba kurenga miliyoni 10 Frw ku gikorwa kimwe.

Izi mpinduka ni ingenzi cyane ku guhererekanya amafaranga mu buryo bw’ikoranabuhanga aho wasangaga buri kigo cy’imari gishyiraho uburyo bwacyo bwo kohereza cyangwa guhererekanya amafaranga.

Uretse kuba buri kigo cyarashyiragaho uburyo bwacyo bwo guhererekanya amafaranga ariko n’ikiguzi wasangaga kiri hejuru aho kohereza amafaranga kuri konti yo mu yindi banki itandukanye n’iyo ukoresha cyangwa kuri konti ya telefoni byabaga biri hejuru.

Hari nk’aho washoboraga kujya kohereza amafaranga ku muntu ukoresha indi banki bigasaba ko wishyura nibura 1500 Frw ku gikorwa kimwe.

Ibyo bisobanuye ko uramutse woherereje amafaranga abantu 10 ku munsi kandi nibura inshuro eshanu kuri buri umwe usanga wishyura arenga 750.000 Frw agenda mu bikorwa byo kohererezanya gusa.

Tekereza ku bigo by’ubucuruzi, ku barangura ibintu bidandukanye bakora ibikorwa byo koherereza abandi amafaranga uko bahuraga n’igihombo.

Icyo gihe byasabaga ko wa mucuruzi, yerekeza kuri banki akabikuza y’amafaranga, agahitamo kubishyura mu ntoki cyangwa akajya akoresha sheki mu kwirinda gukatwa umurundo w’amafaranga.

Kuri ubu binyuze muri e-Kash wa muntu wohererezaga abantu 10 amafaranga nibura inshuro eshanu kuri buri wese, azajya akoresha ibihumbi 10.000 Frw gusa.

Ni inyungu ku bakoresha ubu buryo bwo kwishyurana ariko kandi bikazanagira uruhare rukomeye mu kwimakaza uburyo bwa Cashless mu gihugu.

Umusesenguzi mu by’Ubukungu, Habyarimana Straton, yasobanuriye IGIHE ko ari intambwe nziza igihugu giteye kandi izafasha mu korohereza abaturage mu guhererekanya amafaranga.

Ati “Ubu umuturage agiye guhendukirwa n’uburyo bwo guhererekanya amafaranga kandi icyiza nabonyemo ni uko ibigo byose by’imari n’ibikoresha uburyo bwo kohererezanya amafaranga hifashishijwe ikoranabuhanga byitabiriye kubukoresha.”

Yasobanuye ko ibyo bifasha igihugu mu bijyanye no kunoza ihererekanya ry’amafaranga mu gihugu, kugira amakuru yizewe ndetse no gufasha mu buryo bwo kugaragaza uko amafaranga yinjira mu bigo by’ubucuruzi.

Nubwo bimeze bityo, umuntu ukoresha umuyoboro wa MTN ahererekanya amafaranga na mugenzi we, ikiguzi kizakomeza kuba cya kindi.

Habyarimana yagaragaje ko bizatuma abantu bagira amahitamo, bitandukanye n’uko mbere byari bimeze aho wasangaga igiciro cy’ikigo runaka kigomba kubahirizwa uko kiri.

Umukozi Ushinzwe Ibikorwa by’Ubucuruzi muri MTN Mobile Money Rwanda Ltd, Musugi Jean Pierre, yabwiye IGIHE ko uburyo bwa e-Kash buzabafasha kugira abakiliya benshi kandi ko ibijyanye n’ibiciro nta mpungenge bizateza.

Ati “Nakumara impungenge ko nta kibazo, ntabwo e-Kash izadukoma mu nkokora ahubwo tubibona nk’amahirwe yiyongereye kugira ngo tugere ku bantu benshi. Ubu icyo turi gukora ni ukugira ngo dushyire imbaraga mu gukangurira abakiliya bacu kwitabira e-kash kuko tubona izadufasha kandi izagira akamaro ku bukungu bw’igihugu.”

Yashimangiye ko bazakomeza gushyira imbaraga mu kuzana izindi serivisi zizatuma abakiliya bakomeza gukoresha serivisi za MTN Mobile Money.

Ku rundi ruhande Umusesenguzi Teddy Kaberuka yagaragaje ko ubwitabire bw’abantu bugiye gutuma ibikorwa byo guhererekanya amafaranga byiyongera.

Yerekanye ko ari ho ibigo bizungukira mu kuba ibikorwa byiyogereye nubwo ikiguzi cyaba ari gito.

Guhererekanya amafaranga hifashishijwe ikoranabuhanga bigiye kwitabirwa cyane

Kubera iki ari ingenzi guteza imbere Cashless ku gihugu?

Hashize iminsi u Rwanda rutangiye gushyira imbaraga mu bikorwa byo kwishyurana no kugura ibintu bitandukanye hakoreshejwe ikoranabuhanga aho guhererekanya amafaranga ku ntoki kandi imibare ya Banki Nkuru y’Igihugu, BNR igaragaza ko iyi nzira shya igenda irushaho gucengera mu baturage uko imyaka iza indi igataha.

Raporo y’ibikorwa bya Banki Nkuru y’Igihugu by’umwaka wa 2024/2025, yerekana ko kwishyurana hakoreshejwe telefoni ngendanwa byazamutseho 57% mu gaciro na 44% mu ngano y’ibikorwa, mu gihe kohererezanya amafaranga hifashishijwe urubuga rwa murandasi rwa banki (mobile banking) byazamutse ku kigero cya 108% mu gaciro na 113% mu ngano y’ibikorwa.

Serivisi zo guhererekanya amafaranga ari mu buryo bw’ikoranabuhanga ziyongereyeho cyane zigera kuri 301% bingana na miliyari 37,7 Frw.

Habyarimana yasobanuye ko guteza imbere uburyo bwa Cashless bifasha igihugu mu kugabanya ingano y’amafaranga y’inoti n’ibiceri bikoreshwa.

Ati “Burya kugira ngo igihugu kinone inote n’ibiceri bitwara amafaranga menshi. Kwimakaza ikoranabuhanga kandi bigabanya uburyo bwo kwibwa, hari ubwo umuntu akubona utwaye amafaranga mu ntoki akaba yakwiba cyangwa abakoresha amafaranga y’amahimbano. Kubera ko bizaba bihendutse, abantu benshi bazitabira gukoresha ikoranabuhanga bitume ingano y’amafaranga akoreshwa mu ikoranabuhanga yiyongera kugira ngo intego y’igihugu ya Cashless igerweho.”

Kugabanya inoti n’ibiceri igihugu gikoresha na byo bifasha mu bukungu kuko, buri mwaka hakoreshwa amafaranga menshi mu gusimbuza inoti zishaje cyangwa gukora izindi.

Yemeje ko kuba ibigo by’imari byari bifite uburyo butandukanye n’ibiciro binyuranye byo kohererezanya byasaga n’akavuyo ariko kuba bigiye gukorwa kimwe biri mu nyungu z’umuturage.

Musugi yagaragaje ko ibigo by’imari n’ibikora imirimo yo guhererekanya amafaranga mu ikoranabuhanga bigomba gushyira imbaraga mu ishoramari, kugira ngo ubwitabire bw’abantu bujyanye na serivisi inoze.

Yemeje ko hagomba kubaho ubushishozi mu kwirinda ko serivisi zagenda gake, zavaho se cyangwa zikananirana kandi umubare munini w’abaturage baba bagannye ikoranabuhanga.

Ikoreshwa rya e-Kash kandi rije mu gihe u Rwanda ruheruka kwemeza ifaranga koranabuhanga, bishimangira intambwe rukomeje gutera mu kwimakaza ikoranabuhanga mu guhererekanya amafaranga.

BNR igaragaza ko gukoresha e-Kash biri mu ngamba z'igihugu zo guteza imbere ikoranabuhanga

Gukoresha ikoranabuhanga bizagabanya ingano y'inoti n'ibiceri bikoreshwa buri mwaka