Minisiteri y’Ikoranabuhanga na Inovasiyo yatangaje ko hari ikoranabuhanga (Système), ririmo kubakwa rizahuriza hamwe amabanki mu gufasha abakiriya bayo guhererekanya amafaranga, ibi bikazatuma abaturage bahendukirwa n’iyi serivisi.
Muri iki gihe usanga umuturage ukoresha banki runaka ashobora guhererekanya amafaranga n’undi ukoresha indi banki hakurikijwe ubwumvikane izo banki zagiranye. Ibi bituma ibiciro bitangana rimwe na rimwe bikagora abaturage.
Ku gicamunsi cyo kuri uyu wa Kabiri Minisitiri w’Ikoranabuhanga na Inovasiyo, Ingabire Paula, yagejeje ku badepite ibisobanuro mu magambo ku bibazo babonye mu ngendo bakoreye mu baturage umwaka ushize.
Minisitiri Ingabire yavuze ko mu rwego rwo korohereza abaturage gukoresha serivisi z’imari bifashishije ikoranabuhanga, hafashwe ingamba zituma abaturage batagorwa no guhererekanya amafaranga binyuze mu kubaka ikoranabuhanga amabanki ahuriyeho.
Ati “Ikoranabuhanga turi kubaka uyu munsi, ni irivanaho ko buri umwe agomba kuvugana n’undi ku giti cye, ahubwo rishyiraho ikoranabuhanga (system) bose bahuriraho, rikoroshya kwa guhererekanya amafaranga hagati yabo.
Yakomeje avuga ko bizavanaho ibiciro bishobora kumvikanwaho n’amabanki mu gihe buri imwe yagendaga ikavugana n’indi ku bijyanye n’uko abakiriya bazo bahererekanya amafaranga.
Ati ”[ Système ] Izavanaho ikiguzi cy’amafaranga atangana mu guhererekanya amafaranga, itume bihendukira umuturage ushaka guhererekanya amafaranga hagati y’ibigo by’imari bitandukanye”.
Amafaranga yishyuwe hifashishijwe ikoranabuhanga yazamutse 16.4% muri uyu mwaka bivuye kuri 11.9% umwaka ushize.
Abantu 67.1% bakoresha serivisi z’ikoranabuhanga bifashishije telefoni ngendanwa naho 35% bakoresha murandasi z’amabanki kugira ngo serivisi z’imari zishobore kuba zatangwa.
Momo Pay zigiye guhuzwa
Hakomeje gukorwa amavugurura menshi agamije gufasha abaturage kutagendana amafaranga mu mufuka cyangwa kwishyurana mu ntoki ibizwi nka ‘Cashless’.
Uretse kuba amabanki abasha guhererekanya amafaranga hagati yayo, mu myaka ishize hiyongereyeho ko ibigo by’imari n’iby’itumanaho bifite serivisi za Mobile Moneye bibasha guhererekanya amafaranga.
Uyu munsi umuntu ukoresha Mobile Money ashobora gukura amafaranga kuri konti ye akayashyira ku ya banki runaka cyangwa akayakura kuri banki akayashyira kuri konti.
Kuva mu 2021 ufite Airtel Money ashobora kohererezanya amafaranga n’uwa MTN Mobile Money.
Mu kwagura za serivisi z’imari hifashishijwe ikoranabuhanga, hashyizweho Momo Code zo korohereza umuturage kwishyura umucuruzi.
Minisitiri Ingabire yavuze ko ubu igikorwa ari uko umuntu ufite Airtel Money yakwishyura umucuruzi ufite Code ya MTN n’ufite konti muri MTN Money akishyura umucuruzi ufite Code ya Airtel Money.
Ati “Ni ukugira ngo kwa guhererekanya amafaranga hagati y’ibigo by’itumanaho gushobore kuba kwanoga. Twahereye hagati y’abantu ku giti cyabo noneho turimo gukurikizaho uyu mwaka hagati y’abacuruzi kuko ari bo abenshi bafite ‘Code’, ibyongibyo bikazarangira mu kwezi kwa munani uyu mwaka”.
Guhuza Imirenge Sacco
Gushyira serivisi z’Imirenge SACCO ku ikoranabuhanga ni gahunda itegerejwe cyane kandi izatuma abaturage benshi bitabira izi koperative.
Minisitiri Ingabire yavuze ko “ubu hari SACCO zigera kuri 68 zimaze kujya ku ikoranabuhanga ririmo kubakwa, irimo 35 yo mu Mujyi wa Kigali, 21 yo mu Karere ka Gicumbi na 12 yo mu karere ka Rubavu”.
Hagezweho Sacco zo mu turere twa Nyamagabe na Rwamagana, umwaka utaha wa 2024 imirenge yose 416 izaba yageze ku ikoranabuhanga.
Minisitiri Ingabire ati “Umwaka utaha Sacco zizaba zikora nk’aho ari banki imwe byorohereze ihererekanya ry’amafaranga, hazakurikizeho ihererekanya kuva kuri Sacco n’ibindi bigo by’imari dufite”.
Mu bihe bitandukanye koperative zo kubitsa no kwizigama hirya no hino mu gihugu (Imirenge Sacco) zagiye zivugwaho imikorere idahwitse, bamwe mu bakozi bazo bakanyereza imitungo yazo n’indi mikorere yatumye abanyamuryango bazo bazijujutira ko zibasubiza inyuma aho kubafasha kwiteza imbere.
Koperative Umurenge Sacco zashinzwe mu 2009 nyuma y’uko leta ibonye ko serivisi z’imari zitagera ku baturage neza nk’uko bikwiye.
