Ibintu by’ingenzi wakwitaho mbere yo gufungura konti muri banki

Yanditswe na Ndahayo Emmanuel
Kuya 23 Nzeri 2020 saa 08:07
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Kugeze ubu, abanyarwanda 36% (bangana na miliyoni 2.6 by’abagejeje imyaka y’ubukure) ni bo bafite konti muri banki mu Rwanda, nyamara umubare w’ibigo by’imari bakorana na byo mu gihugu umaze kwiyongera, kuko bimaze kuba 16.

Ibi ariko bizahinduka kuko Leta y’u Rwanda ifite umugambi w’uko mu mwaka wa 2024, abanyarwanda bose bazaba bakoresha serivisi z’imari, ibyitezweho kuzamura umubare w’abatunze konti, n’ubwo atari bwo buryo bwonyine bugaragaza ko umuntu agerwaho na serivise z’imari.

Banki zirabizi ko hari abanyarwanda benshi bakeneye kugerwaho na serivisi z’imari, ari na yo mpamvu inyinshi zashoye mu bikorwa by’ikoranabuhanga, zikoroshya gufungura konti ndetse zikanashyiraho amoko atandukanye ya konti na serivisi zigamije gukurura abakiliya, zikabigiramo inyungu ariko na none zikinjiza abanyarwanda benshi mu kurushaho gukoresha serivisi zazo, ibigira ingaruka nziza ku bukungu bw’igihugu muri rusange.

Iterambere ry’igihugu na ryo riri guhwitura abahoze binangira guhindura imyumvire, bagakorana n’ibigo by’imari bafunguza konti, kuko serivisi za leta nyinshi zirimo imisoro n’ibindi byihutirwa byishyurwa binyujijwe kuri banki, ku buryo gutunga konti bigenda biba ikintu cy’ibanze nkenerwa mu buzima bwa buri munsi kandi ibi bizakomeza.

Mu gihe rero witegura gufunguza konti mu kigo cy’imari runaka, dore ibintu by’ingenzi ukwiye kwitaho, bikazagufasha kurushaho gutera imbere.

Intera iri hagati yawe na banki

Mbere yo gufungura konti muri banki runaka, ni ingenzi cyane kureba igihe bizajya bigutwara mbere yo kugera ku ishami ryayo, bitewe n’aho utuye, aho ukorera ndetse n’aho ukunda kujya.

Birashoboka ko banki itaba ifite ishami hafi y’aho utuye, ariko ikaba ihafite icyuma kibikurizwaho, cyangwa umu-agent uyihagarariye ku buryo uzajya uyigeraho byoroshye. Igihe bitameze gutyo, bishobora kugorana kugera kuri banki mu gihe ukeneye serivisi zihutirwa, bikakuviramo igihombo, gutakaza umwanya n’amafaranga n’ibindi.

Ku mpuzandengo, umunyarwanda agenda iminota 43 agiye kuri banki na 41 agiye ku cyuma kibikurizwaho. Iki ni gihe kinini ku buryo ari ngombwa kureba banki iri hafi yawe, ukayiha amahirwe kurusha izindi, n’ubwo iyi ngingo yo ubwayo idahagije mu kukwereka banki ikubereye mwakorana.

Iterambere ry’ikoranabuhanga rya banki

Mu gihe kandi igihugu kiri kwinjira mu ikoranabuhanga ryo ku rwego rwo hejuru, ni ingenzi cyane gukurikirana aho iterambere rya banki ushaka gukorana na yo rigeze. Mu birebwa kuri iyi ngingo harimo porogaramu z’ikoranabuhanga bafite n’ubushobozi bwazo.

Nk’urugero, banki nyinshi zimaze kugira porogaramu (application) ushobora gukoreraho ibintu bitandukanye nko kwishyura no gukurikirana konti yawe, ni ingenzi cyane rero gusuzuma izo porogaramu, ukamenya imikorere yazo, serivise zitanga ndetse n’ibindi byatuma igihe ukeneye kuzikoresha bikorohera.

Hari kandi uburyo wa internet banking, nabwo ukwiye gusuzuma imikorere yabwo, ukagenzura uburyo iyo banki ibikamo amakuru y’ikoranabuhanga y’abakiliya bayo n’ibindi bijyanye n’imikorere y’ikoranabuhanga.

Uburyo bwita ku bakiliya

Ni ingenzi cyane kubanza kumenya uburyo banki runaka yita ku bakiliya bayo kuko akenshi nk’iyo ugize ikibazo kuri konti yawe cyangwa indi serivise, uba ukeneye igisubizo cy’ako kanya.

Nk’ubu ibaze wohererejwe amafaranga akagera kuri konti ariko ntubona ubutumwa bugufi bubyemeza, wanagerageza kubaza banki bigatwara nk’iminsi ibiri kugira ngo bazitabe telefoni banagusobanurire aho ikibazo gishingiye. Ni yo mpamvu ari ngombwa cyane kubaza amateka ya banki ushaka gukorana nayo cyane cyane mu bigendanye no gukemura ibibazo bitandukanye by’abakiliya.

Amafaranga banki zikata abakiliya kuri serivise zitandukanye

Banki zigira uburyo butandukanye zikata amafaranga abakiliya bazo, akaba ari amafaranga macye kandi akatwa ku bintu bito bito. Rero ni ingenzi cyane kuyitaho mbere yo gufungura konti muri banki runaka, kugira ngo wirinde kuzatungurwa dore ko akenshi usanga banki zidakunze kuyabwira abakiliya bayo, ku buryo ushobora gufungura konti utabizi neza.

Amwe muri ayo mafaranga harimo amafaranga yo kuba utunze konti muri banki runaka, azwi nka ‘maintainance fees’, ashobora gukatwa ku kwezi cyangwa ku mwaka, bitewe na banki runaka. Ni ingombwa kugenzura ingano y’amafaranga banki ikata, ndetse ukabanza kureba niba nta bwoko runaka bwa konti iyo banki igira bwemerera umuntu gutunga konti adakatwa amafaranga.

Hari kandi amafaranga acibwa abakiliya ba banki bakoresheje ikarita zibikurizwaho ku mashini (ATM) zitari iza banki bafitemo konti. Aha abantu bagirwa inama yo kubikuza bakoresheje ikarita ya ATM ya banki basanzwe bakorana nayo mu rwego rwo kwirinda ibyo bihombo.

No kubikuza ukoresheje ikarita ya ATM ya banki mukorana na byo na byo bigira ikiguzi, ni ngombwa gusuzuma mbere niba uzakigondera bihoraho, ugahitamo banki ifite igito kurusha izindi niba ubona byazaguhombya.

Banki kandi zica amafaranga ku bakiliya bataye ibintu nkenerwa birimo nka ATM. Akenshi ibiciro bitandukana bitewe na banki, akaba ari ingenzi cyane kubigenzura mu gihe ugiye guhitamo banki mukorana. Kuri iyi ngingo kandi, uzanite ku kumenya igihe ikarita ya banki runaka itakariza agaciro, kuko imyaka igenda itandukana bitewe na banki runaka.

Mu rwego rwo guteza imbere imikoreshereze y’ikoranabuhanga muri banki, hashyizeho uburyo bwo kwishyuza abakiliya bakenera serivise zisaba gukoresha impapuro. Aya mafaranga ashobora gukatwa nko ku muntu ushaka kureba imikoreshereze ya konti ye n’ibindi nk’ibyo.

Ibi bituma abantu bakoresha serivise z’ikoranabuhanga mu mibanire yabo na banki, ku buryo ari bwo buryo bakoresha bareba amafaranga basigaranye kuri konti n’ibindi.

Ibi rero bifasha banki zunguka kuko ikoreshwa ry’ikoranabuhanga rigabanya amafaranga banki itakaza ikoresha ibitabo ndetse n’amashami menshi hirya no hino. Ibi kandi binafasha abakiliya kubona serivise zihuse kandi bagakora ibyo bashaka batiriwe bajya kuri banki bakorana.

N’ubwo igikorwa cyo gukoresha ikoranabuhanga muri serivise z’imari ari cyiza, ni ngombwa nanone kureba ingano y’amafaranga uzakatwa nukenera serivise zisaba gukoresha impapuro kuri banki, kugira ngo uzirinde gutungurwa.

Hari kandi banki zikata amafaranga ku bantu bagabanyije amafaranga kuri konti zabo, bikagera ku kigero kiri munsi y’ibyo umukiliya yemeranyijweho na banki. Icyo gihe banki zikata uwo mukiliya amafaranga runaka.

Ku bantu bohereza cyangwa bakira amafaranga aturutse hanze y’igihugu, banki nabwo zikuraho inyungu biturutse mu mafaranga zikata abo bantu. Niba uzakenera serivise zo kohereza amafaranga hanze cyane, ni byiza kureba banki ihendutse ukayifunguzamo konti mbere y’igihe.

Inyungu kuri konti yawe

Bitewe n’ubwoko bwa konti, banki zishobora gutanga inyungu zitandukanye, ni byiza kubyitaho ukamenya niba konti ufunguje ishobora kuzajya wungukirwa mu gihe runaka bitewe n’amasezerano wagiranye na banki.

Muri rusange rero, biragaragara ko Isi y’ahazaza izarushaho gushingira ku ikoreshwa rya banki, ku buryo kwinangira kugira konti atari igitekerezo cyiza. Mu gihe rero wifuza kuyinguza, banza umenye amakuru ahagije, ubundi ntugire ubwoba bwo kuyifunguza kuko inyungu zabyo ni nyinshi kuri wowe no ku gihugu muri rusange.


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