Iri koranabuhanga ryifashisha telefoni ngendanwa, rizaha ubushobozi umunyamuryango wa koperative kugenzura ibikorwa byose bibera kuri konti ye ndetse no kuba hari serivisi yakwikorera bitamusabye kujya kuri banki.

Iki gikorwa cyamuritswe kuri uyu wa Gatanu tariki ya 27 Ukuboza 2019, mu Nteko rusange idasanzwe yahurije hamwe ubuyobozi bwa koperative n’abanyamuryango bahagarariye abandi bo mu mirenge yose y’igihugu.

Umuyobozi Mukuru wa Koperative ‘Umwalimu SACCO’, Uwambaje Laurence, yavuze ko ubu buryo bw’ikoranabuhanga bwiswe ‘UMWALIMU SACCO Mobile Banking’, buzajya bufasha umunyamuryango kubitsa no kubikuza amafaranga kuri konti ye, yishyure ibyo akeneye byose, agenzure ibikorerwa kuri konti ye, yake inguzanyo, n’ibindi, byose bikorwe yifashishije telefoni ye bwite.

Ati “Ubu buri munyamuryango agendana konti ye muri telefoni; bose babasha kwifatira inguzanyo nto bifashishije telefoni zabo, ikibaye cyose kuri konti zabo barakimenya.”

Iyi koperative ivuga ko igifite intambwe zo gutera mu rugendo rw’ikoranabuhanga muri serivisi za banki, aho iteganya gutangiza uburyo bw’ikarita yo kubikurizaho no kubitsa ya (ATM) mu 2020.

Bamwe mu banyamuryango bari bitabiriye iyi nama bavuga ko ubu buryo bushya bw’ikoranabuhanga ryifashisha telephone buzabafasha kugabanya igihe bakoreshaga bajya kuri banki, kandi ko bizatanga umusaruro mwinshi urimo no kuzamura ireme ry’uburezi.

Niyonkuru Sylvestre, umwarimu wo ku Ishuri rya Kigembe TVET School, mu karere ka Gisagara, Umurenge wa Kigembe yavuze ko ubu ibijyanye no guhererekanya amafaranga byoroshye.

Ati “Ubu nshobora koherereza umuntu amafaranga nkuye kuri konti yanjye bitansabye kuva aho ndi; muri make Mobile Banking muri koperative yacu ije ari igisubizo kandi turyohewe nayo. Ikindi bizakuraho na wa mwanya najyaga nyaruka ngiye gushaka amafaranga kuri banki, nyamara nari kuba ndi gutegura amasomo cyangwa ndi kumwe n’abanyeshuri nigisha.”

Mukahigiro Venantie wigisha ku Ishuri ribanza rya Kibirizi, riherereye mu Murenge wa Kibirizi, mu Karere ka Nyamagabe na we yashimangiye ko ikoranabuhanga rishya rizoroshya imikorere ya koperative.

Ati “Mbere y’uko ubu buryo butangizwa, byaratugoraga cyane kuko benshi muri twe ntiduturiye amashami ya koperative. Twakoraga urugendo rutari ruto, bigatuma hari amafaranga dutakaza, ariko ubu ayo natakazaga ku giti cyanjye nzajya nyakoresha ibindi uko yaba angana kose.”

Usibye uburyo bw’ikoranabuhanga ryifashisha telefoni bwamuritswe muri iyi nama; Koperative ‘Umwalimu SACCO’ yanagaragaje amabara mashya y’ibirango byayo byemewe n’amategeko; inatangiza ku mugaragaro inguzanyo yiswe [Home Solar Energy Loan] izajya ihabwa abanyamuryango bayo mu rwego rwo gutunga amashanyarazi ku batayafite cyangwa kugabanya ikiguzi cyayo ku bayasanganywe.

Hanamuritswe ikoranabuhanga ryiswe [Urubuto Education System] rizajya rifasha ababyeyi kwishyura amafaranga y’ishuri bitabagoye n’abayobozi b’ishuri bagakurikirana neza uko amafaranga yishyurwa kuri konti z’ishuri.

Hanatangijwe kandi uburyo bwo kuzigama bwitwa ‘Nzigamira Nige’ buzafasha abanyamuryango kuzigama amafaranga y’ishuri y’abana babo. Iyi gahunda imaze gushyirwaho ubwizigame bungana na miliyoni 159 z’amafaranga y’u Rwanda.

Mu 2019, Umwalimu SACCO’ wabonye inyungu ya miliyari esheshatu na miliyoni 119 Frw); inyungu koperative ivuga ko yaturutse ku micungire myiza y’inguzanyo n’ingufu nyinshi zongerewe mu kugaruza inguzanyo zari zaracyererewe.

Banki Nkuru y’u Rwanda (BNR) ivuga ko ‘Umwalimu SACCO’ ari kimwe mu bigo by’imari iciriritse bigari mu Rwanda kuko yihariye hafi kimwe cya kane cy’umutungo rusange w’ibigo by’imari iciriritse mu gihugu.

Kugeza uyu munsi mu gihugu hose harabarurwa amashami 30 ya koperative Umwalimu Sacco n’abakozi basaga 200, bita ku banyamuryango basaga ibihumbi 73.

Mu mwaka ushize nibwo Leta y’u Rwanda yavuze ko mu 2022 izahagarika inkunga ya miliyari 30 Frw, yatangiye guha Koperative Umwalimu SACCO kuva mu 2008 ubwo yashingwaga. Ubuyobozi bw’iyi koperative buvuga ko igihe cyo guhagarika iyi nkunga kizagera imaze kugeza umwarimu ku rwego rushimishije kandi nta mpungenge zihari kuko koperative izakomeza gutanga inguzanyo uko bisanzwe kuko izaba iri ku rwego rwo kwigira.