Abakorana n’amabanki bariyongereye, abagerwaho na serivisi z’imari bagera kuri 93% mu Rwanda

Yanditswe na Cyprien Niyomwungeri
Kuya 30 Gicurasi 2020 saa 10:56
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Guverinoma y’u Rwanda yiyemeje ko mu 2024, abanyarwanda bose bazaba bagerwaho na serivisi z’imari yaba gukorana n’amabanki, ibigo by’imari, koperative zo kuzigama no kugurizanya cyangwa bari mu matsinda yo kwizigamira n’ibimina.

Mu gihe habura imyaka ine ngo 2024 igere, ubushakashatsi bwakozwe ku buryo Abanyarwanda bagerwaho na serivisi z’imari, FinScope Survey 2020, bwagaragaje ko 93% [ni ukuvuga miliyoni zirindwi z’abakuze] bagerwaho na serivisi z’imari, bakaba barenze intego igihugu cyari cyihaye ya 90% bitarenze uyu mwaka.

Imibare yerekana ko abagerwaho na serivisi z’imari bakomeje kwiyongera cyane. Mu 2016 abanyarwanda bakuze bagerwagaho na serivisi z’imari bari 89% mu 2012, bari 72% naho mu 2008 bari 48% gusa. Bivuze ko biyongereyeho 4% mu myaka ine.

Ubushakashatsi bwa FinScope 2020 bwatangajwe kuri uyu wa Gatanu, bwerekana ko abanyarwanda bakuze bagerwaho na serivisi z’imari yaba mu buryo bw’imari busanzwe nk’ibimina no kugurizanya mu matsinda mu gihe abandi bagerwaho n’izo serivisi zo mu buryo bwanditse [Formal] burimo amabanki.

Abagera kuri 36% [bavuye kuri 26% mu 2016, 23% mu 2012 na 14% mu 2008], bakoresha amabanki, ni mu gihe abandi 75% by’abakuze bakoresha ubundi buryo butari banki burimo Konti za telefoni, Umurenge Sacco, Ibigo by’ubwishingizi n’ibigo by’imari iciriritse. Abagera kuri 78% bakoresha uburyo bwo kwizigamira cyane cyane ibimina.

Iyi raporo igaragaza ko ibimini no kwizigamira mu matsinda ‘bikomeje kugira uruhare runini mu kwegereza abanyarwanda serivisi z’imari’.

Umubare w’abakoresha amabanki wiyongereyeho miliyoni 1.1 kuva mu 2016. Akarere ka Gasabo niko gafite abakoresha amabanki benshi bangana na 80%, naho Ngororero niyo ifite bake bangana na 8%. Abagera kuri 25% by’abakoresha amabanki, bifashisha ikoranabuhanga bakaba baravuye kuri 6% bariho mu 2016.

Mu gukoresha serivisi za banki, abagore ari bake ku bagabo kuko bangana na 34%, mu gihe abagabo ari 39%. Abanyarwanda 68% bakoresha konti zabo buri kwezi, bakaba bariyongereyeho 16% kuva mu 2016.

Muri rusange, Akarere ka Gasabo ni ko gafite abagerwaho na serivisi z’imari benshi bangana na 99%, mu gihe Rusizi ari yo ifite bake bangana na 83%.

Iyi raporo ikorwa na Minisiteri y’imari n’igenamigambi ifatanyije n’Ikigo cy’igihugu giharanira kugeza serivisi z’imari ku baturage, Access to Finance Rwanda (AFR), igamije kugaragaza urwego serivisi z’imari zigeraho ku baturage, imbogamizi zigihari n’impinduka zikomeje kubaho.

Minisitiri w’Imari n’Igenamigambi, Dr Uzziel Ndagijimana, yavuze ko kugerwaho na serivisi z’imari ari imwe mu nkingi y’ubukungu bugera kuri bose kandi guverinoma y’u Rwanda yakoze ibishoboka byose mu gukuraho inzitizi zatuma serivisi z’imari zitagera kuri bose.

Ati “Ubushakashatsi bwa FinScope burerekana ko hari impinduka nziza zakozwe mu kugeza serivisi z’imari kuri bose. Akazi ntabwo kararangira. Intego ni ukugera aho abanyarwanda 100% bazaba bagerwaho na serivisi z’imari mu 2024. Ndashishikariza buri wese uri muri uru rugamba gukomeza umurego”.

Ubu bushakashatsi kandi bwagaragaje ko abagore 8% gusa ari bo batagerwaho na serivisi z’imari ugereranyije n’abagabo bangana na 7%. Urubyiruko ruri hagati y’imyaka 16-24, ni bo benshi batagerwaho na serivisi z’imari kuko bangana na 18%, bakaba ari benshi ugereranyije n’uko muri rusange abanyarwanda batagerwaho n’izi serivisi ari 7%.

Muri rusange abanyarwanda bangana na 77% ni ukuvuga miliyoni 5.5 z’abakuze bagerwaho na serivisi z’imari zirimo izitangwa n’amabanki, ibigo by’imari nk’ibitanga ubwishingizi, ibigo by’itumanaho, ibigo byo kubitsa no kugurizanya, Sacco n’ibindi.

Muri iki cyiciro akarere ka Gasabo kari imbere n’abagera kuri 99% naho Burera iri inyuma n’abagera kuri 56%. Muri rusange abagabo bangana na 81% mu gihe abagore ari 75%, bivuze ko harimo icyuho cya 7%.

Mu Rwanda abagera kuri 87% ni ukuvuga miliyoni 6.2 bafite telefoni ngendanwa. Nibura batatu muri batanu [ni ukuvuga 61%], bakuze bakoresha Mobile Money, aho abagabo ari 68% naho abagore bakaba 56%.

Raporo yerekana ko 86% ni ukuvuga abanyarwanda miliyoni esheshatu bakuze barizigamira mu buryo bunyuranye. Abagera kuri miliyoni 5.4 bafata inguzanyo ahantu hatandukanye. Abanyarwanda bakuze bangana na 45% ni ukuvuga miliyoni 3.2 bohereje cyangwa bakira amafaranga avuye cyangwa ajya mu mahanga mu mezi 12 iyi raporo yakozwemo.

Raporo ya FinScope ikorwa buri myaka ine, iya mbere mu Rwanda yakozwe mu 2008. Ifatwa nk’isoko yizewe y’amakuru afasha mu gushyiraho gahunda z’ibikorwa, gufasha ibigo bitanga serivisi z’imari kubasha kugera ku Banyarwanda benshi no kuzamura urwego rw’imari rw’igihugu.

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