19°C , Mostly clear | Kigali-Rwanda

Menya itegeko rigena uburyo bw’ihererekanyamakuru ku myenda

Yanditswe na Habimana Augustin

Ku ya 27-05-2019 saa 13:35:31

Abantu ku giti cyabo, ibigo, inzego n’amasosiyete afite ubuzima gatozi ashobora gufata inguzanyo cyangwa umwenda muri banki cyangwa mu bigo by’imari iciriritse. Byagiye bigaragara ko uwafashe umwenda yashoboraga kubikora ahantu hatandukanye, kandi n’aho yafashe umwenda cyangwa inguzanyo mbere yarananiwe kwishyura, kuko nta buryo bwariho bwo guhererakanya amakuru ku mwenda cyangwa inguzanyo zatanzwe hirya no hino mu Gihugu.

Kugira ngo umuntu, ikigo cyangwa sosiyete bibone inguzanyo kandi byasabaga kubanza kuzenguruka mu zindi Banki n’ibigo by’imari, usaba ikemezo cy’uko utarimo umwenda, bigatwara igihe n’amafaranga. Ni muri urwo rwego hashyizweho itegeko rigena uburyo bw’ihererekanyamakuru ku myenda.

Uburyo bwo guhererekanya amakuru ku myenda tubusanga mu itegeko nº 73/2018 ryo ku wa 31/08/2018 rigena uburyo bw’ihererekanyamakuru ku myenda ryasohotse mu Igazeti ya Leta ya Repubulika y’u Rwanda nº 37 yo ku wa 10/09/2018. Iryo tegeko rikaba ryarashyizweho risimbura itegeko nº 16/2010 ryo ku wa 07/05/2010 rigena uburyo bw’ihererekanyamakuru ku myenda mu Rwanda.

Ingingo ya gatatu y’iryo tegeko, iteganya ko abatanga amakuru ku myenda harimo banki; ibigo by’ubwishingizi; ibigo by’imari iciriritse; amasosiyete y’itumanaho; inzego z’imirimo ifitiye igihugu akamaro; umucuruzi; isosiyete itanga serivisi n’ibicuruzwa byishyurwa nyuma y’igihe byatangiwe. Banki Nkuru ishobora kugena abandi batanga amakuru bagomba gushyikiriza amakuru ibiro by’amakuru ku myenda cyangwa ikusanyirizo ry’amakuru ku myenda.

Utanga amakuru afite inshingano zo gukusanya amakuru ahabwa na nyir’amakuru hagendewe ku masezerano cyangwa inshingano afitanye n’utanga amakuru; kubika amakuru y’ukuri kandi atarimo amakosa; guha abatanga serivisi z’ihererekanyamakuru ku myenda amakuru hakurikijwe ingengabihe yo gutanga amakuru yateganyijwe. Utanga amakuru yirengera ingaruka zaterwa no guha abatanga serivisi z’ihererekanyamakuru ku myenda amakuru atari ukuri.

Iri tegeko kandi rivuga ko hari abategetswe gutanga amakuru ku myenda barimo amabanki, ibigo by’imari iciriritse bitanga inguzanyo cyangwa imyenda bigomba gushyikiriza amakuru ikusanyirizo ry’amakuru ku myenda ndetse n’amabanki, ibigo by’imari iciriritse bitanga inguzanyo cyangwa imyenda, ibigo by’ubwishingizi, ibigo bitanga serivisi z’itumanaho n’inzego z’imirimo ifitiye igihugu akamaro bigomba gushyikiriza amakuru ku myenda utanga serivisi z’ibiro by’amakuru ku myenda.

Ariko nanone, umucuruzi cyangwa indi sosiyete iyo ari yo yose itanga serivisi zishyurwa nyuma, bashobora guha amakuru ku bushake utanga serivisi z’ibiro by’amakuru ku myenda hakurikijwe amabwiriza agenga itangwa ry’amakuru akubiye mu gitabo cy’amabwiriza agenga imitegurire y’amakuru asabwa cyateguwe na Banki Nkuru.

Ingingo ya 7 y’iri tegeko iteganya ko utanga amakuru agaragaza neza mu makuru atanga uko nyir’amakuru n’umwishingizi we bahagaze, harimo amakuru meza n’amabi. By’umwihariko, utanga amakuru agomba: gutanga amakuru yerekeye imyenda cyangwa andi makuru akenewe y’ukuri kandi ku gihe; guha amakuru utanga serivisi z’ibiro by’amakuru ku myenda mu buryo bwagenwe; guhuza n’igihe amakuru yerekeye imyenda hakurikijwe imikorere yashyizweho na Banki Nkuru; guha ikusanyirizo ry’amakuru ku myenda amakuru mu gihe cyagenwe kandi agahuza n’igihe amakuru yerekeye imyenda hakurikijwe amabwiriza ya Banki Nkuru iyo utanga amakuru agenzurwa na yo.

Ikemezo cyo gukora imirimo yo gutanga serivisi z’ibiro by’amakuru ku myenda gitangwa na Banki Nkuru kandi ntigishobora guhererekanywa. Ukora imirimo yo gutanga serivisi z’Ibiro by’amakuru ku myenda wahawe ikemezo ntiyemerewe gukora ibindi bikorwa bidateganywa n’iri tegeko cyangwa bitemejwe na Banki Nkuru.

Usaba gukora imirimo yo gutanga serivisi z’ibiro by’amakuru ku myenda Banki Nkuru isuzuma ko yujuje ibi bikurikira: kuba ari isosiyete y’ubucuruzi yanditswe mu Rwanda hakurikijwe itegeko rigenga amasosiyete y’ubucuruzi; iyo umunyamigabane ari banki, ikigo cy’imari iciriritse, ikindi kigo cy’imari cyangwa undi wese ukoresha amakuru bigomba kuba bitarengeje cumi na gatanu ku ijana (15%) by’imigabane cyangwa uburenganzira bwo gutora mu isosiyete isaba; afite imari shingiro yishyuwe iteganywa na Banki Nkuru; afite gahunda y’ishoramari ry’imari shingiro hakurikijwe amabwiriza ya Banki Nkuru agenga ishoramari ry’abatanga serivisi z’ibiro by’amakuru ku myenda;

Akorera mu mucyo mu birebana n’imigabane n’imiyoborere by’isosiyete y’ubucuruzi; afite abakozi n’ubushobozi byo gukora bikwiriye bizatuma akora neza kandi agatunganya inshingano ze ku buryo bunoze kandi butekanye; afite aho akorera, imiyoboro n’ibikorwaremezo byujuje ibisabwa byo gucunga no kubika amakuru bijyanye n’ibikorwa usaba ateganya gukora; afite uburyo bunoze bw’umutekano mu rwego rwo kurinda itakara, ihindurwa, iyangirika ry’amakuru cyangwa ko amakuru n’umuyoboro bigerwamo n’abatabyemerewe.

Mu Rwanda servisi zo gutanga amakuru ku myenda zitangwa n’ikigo cya “TransUnion Africa” ishami ry’u Rwanda, cyari gisanzwe kizwi nka CRB. (Biracyaza).

TANGA IGITEKEREZO

Leave a Reply

Your email address will not be published. Required fields are marked *