Ibigo by’imari iciriritse mu Rwanda bigiye gutangira gukoresha ikoranabuhanga

Yanditswe na Mutangana Gaspard
Kuya 8 Ukwakira 2020 saa 11:33
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Ikigo giharanira kugeza serivisi z’imari ku baturage, Access to Finance Rwanda (AFR), ihuriro ry’ibigo by’imari iciriritse mu Rwanda (AMIR) ndetse na SACCO 11 zidacungwa n’Umurenge SACCO, basinye amasezerano yo gutangira gukoresha ikoranabuhanga mu bigo by’imari bito n’ibiciriritse, hagamijwe guteza imbere serivisi zihabwa abakiliya babyo.

Ni amasezerano akubiyemo ko AFR izaha abanyamuryango ba AMIR porogaramu y’ikoranabuhanga isanzwe ikoreshwa n’ibindi bigo by’imari birimo nka banki, ku buryo bishobora gutangira gukora neza byifashishije iryo koranabuhanga.

Ibi bizatuma abakiliya b’ibyo bigo by’imari iciriritse bashobora kubona serivisi nko kubitsa, kubikuza, kwishyura, guhererekanya amafaranga ndetse n’ibindi bitandukanye, ariko bitabasabye kujya ku cyicaro cy’ikigo bakorana kugira ngo bahabwe izo serivisi nk’uko bisanzwe, ahubwo bagakoresha ikoranabuhanga rya telefoni zigendanwa na murandasi, nk’uko abakiliya b’ibindi bigo by’imari babigenza.

Umuyobozi w’umusigire wa AFR, Iyacu Jean Bosco, yabwiye IGIHE ko mu byo bazafasha ibi bigo by’imari biciriritse batangiye gukorana harimo guhugura abakozi babo, ubufasha bw’amikoro no gukomeza kongera umubare wabyo bikarenga 11.

Yagize ati “Hari ubufasha bw’amikoro tuzaha ibi bigo by’imari iciriritse. Mu mezi ya mbere tuzahugura abakozi b’ibi bigo gukoresha iri koranabuhanga. Tuzahugura abakozi ba za SACCO mu bijyanye n’icungamutungo rinoze, no kubereka uko bahanga izindi serivisi nshya, kandi twiteguye no kwakira abandi banyamuryango ba AMIR bashobora kuziyongera kuri izi SACCO 11 zisinye aya masezerano.”

Ku ruhande rwa AMIR, Umuyobozi wayo, Nkuranga Aimable, yashimiye AFR ku bw’iki gikorwa, avuga ko bari bamaze igihe kinini bashaka uko barushaho guteza imbere serivisi z’ikoranabuhanga mu bigo by’imari iciriritse mu Rwanda.

Yagize ati “Tunezejwe no gushyira umukono kuri aya masezerano, kandi turashimira inkunga ikomeye cyane twahawe na AFR mu rugendo rwo gushaka ikoranabuhanga ibigo by’imari iciriritse bizakoresha bitanga serivisi ku bakiliya babyo. Twari tumaze igihe dutegereje iri koranabuhanga, twishimiye kuba tubashije kurigeraho ku bufatanye na AFR.”

Ingabire Faustine uhagarariye COPEC Zamuka, kimwe mu bigo by’imari byasinye aya masezerano, yavuze ko iri koranabuhanga rije kuziba icyuho cy’imikorere idakwitse yarangaga ibigo by’imari iciriritse kubera kutagira ikoranabuhanga rigezweho.

Yagize ati “Iri ikoranabuhanga riteye imbere, kandi twizeye ko rizadufasha guhangana n’ibitero by’ubujura bukorerwa ku ikoranabuhanga. Risanzwe rikoreshwa n’ibindi bigo by’imari bikomeye nka za banki, kandi umutekano waryo urizewe bihagije.”

Yongeyeho ko rizihutisha serivisi batanga, ku buryo abakiliya babo bazarushaho kunyurwa na zo.

Ati “Kubera kutagira ikoranabuhanga, serivisi dutanga ntabwo zihuta. Byorohereza abakozi kuba bakwiba amafaranga y’abanyamuryango. Mu by’ukuri rero iyo nta koranabuhanga, ikigo cy’imari kiba gifite imbogamizi nyinshi umuntu atarondora.”

“Nidutangira gukoresha iri koranabuhanga, tuzajya dutanga serivisi zihuse, kandi umunyamuryango azajya aba ashobora gukoresha amafaranga ye aho ari hose. Turatekereza ko tuzabona abakiliya benshi kuko n’ikiguzi cya serivisi kizagabanuka bitewe no kugira abakiriya benshi.”

Ikoranabuhanga rizahabwa izi SACCO zishyize hamwe ryakozwe n’ikigo cyo mu Buhinde kitwa ‘Virmati’, gisanzwe gikora ikoranabuhanga na porogaramu zikoreshwa mu bigo by’imari n’ahandi hatandukanye.

Bitewe n’ukuntu iri koranabuhanga rihenze, ntabwo byari gushoboka ko imwe muri izi SACCO zishyize hamwe yari kubasha kuyigurira.

Ku ikubitiro, iri koranabuhanga rizakoreshwa mu bigo by’imari biciriritse 11 muri 22 AMIR iteganya kuzayigezamo. Ibisigaye bitasinye aya masezerano ni uko bitari byiteguye bihagije.

Iri koranabuhanga rizatangira gukoreshwa mu bigo by’imari mu Ukuboza uyu mwaka, rikazafasha ibigo by’imari iciriritse gutanga serivisi zihuse, gukora kinyamwuga, kwirinda ubujura n’ibindi bibazo byabangamiraga imikorere yabyo.

Iri koranabuhanga kandi ryitezweho kuzageza serivisi z’imari ku batuye mu byaro, dore ko ari bo batagerwaho na serivisi z’imari cyane nk’abo mu mujyi, nyamara ari bo mubare munini w’abatuye u Rwanda.

Ni mu gihe kandi igihugu gifite intumbero yo kugeza serivisi z’imari ku banyarwanda bose bitarenze 2024.

Aya masezerano azafasha ibigo by'imari iciriritse gukoresha ikoranabuhanga muri serivisi zabyo
Ibigo by'imari iciriritse bizarushaho gutanga serivisi zihuse, gukora kinyamwuga no kongera umubare w'abakiliya babo kubera gukoresha ikoranabuhanga
Ku ikubitiro, ibigo 11 by'imari iciriritse ni byo bizaherwaho
Nkuranga Aimable (uhagaze), Umuyobozi wa AMIR, avuga ko iri koranabuhanga ryari rimaze igihe ritegerejwe

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