Gicumbi: Ikoranabuhanga ryabaruhuye gutwara amafaranga mu ntoki

Abacuruzi n’abaturage bo mu Karere ka Gicumbi baravuga imyato uburyo bwo guhererekanya amafaranga hifashishijwe ikoranabuhanga (Cashless/Kashilesi) bwabaruhuye gutwara amafaranga mu ntoki byabaga bifite ingorane nyinshi zirimo kuyata cyangwa kuyibwa. 

Aba baturage bavuga ko kuri ubu ikoranabuhanga ribafasha gucunga no guhererekanya amafaranga mu mutekano ndetse bakanizigamira mu bigo by’imari byoroshye bikabarinda gutakaza umwanya bajya gutonda umurongo ku mabanki. 

Ayinkamiye Béatrice, utuye mu Murenge wa Byumba, avuga kogukoresha ikoranabuhanga mu guhererekanya amafaranga byamufashije kuzigama igihe, cyane cyane mu kazi ke k’ubucuruzi.

Yagize ati: “Nkanjye nkora ubucuruzi, byanduhuye kwakira amafaranga njya kuvunjisha, ndetse binkiza umwanya wo kujya kuri banki kubitsa. Hari ubwo wasangaga hari umurongo muremure, ukava saa sita wagiye saa kumi n’ebyiri. Ariko ubu gahunda ya Kashilesi yaduhaye uburyo bwo gukoresha kode (code), umuntu akohereza amafaranga akagera kuri konti yawe. Uwayakiriye ashobora kuyakura kuri telefone cyangwa akayohereza kuri konti ye. Uwo mwanya nkawukoresha ibindi aho kuwutakaza kuri banki.”

Ayinkamiye avuga kandi ko iyi gahunda ya Leta ya Kashilesi (cashless) yorohereje ababyeyi kohereza amafaranga y’ishuri n’ibindi bikenerwa n’abana.

Yagize ati: “Mbere amafaranga y’ishuri twayahaga abana ngo bayajyane ku ishuri, rimwe na rimwe bakaba bayamburirwa mu nzira. Ariko ubu, dukoresheje ikoranabuhanga, umwana amafaranga ayasanga ku ishuri.”

Avuga ko iri terambere ari umusaruro w’imiyoborere myiza n’ishoramari rya Leta y’u Rwanda mu ikoranabuhanga bikomeje guhindura imyumvire y’abaturage no kubafasha kwiteza imbere.

Niyonsenga Methode Robert, utuye mu Mujyi wa Gicumbi, akaba atwara abantu n’ibintu ku igare, avuga ko ikoranabuhanga ryamufashije kugabanya gutwara amafaranga mu ntoki, cyane cyane ibiceri.

Yagize ati: “Kashilesi ituma twishyura twibereye aho dutuye, nta ngendo ndende. Kwishyura ubwisungane mu kwivuza na byo bishobora gukorwa dukoresheje Kashilesi. Iyo amafaranga yanjye ari kuri Mobile Money, mba numva mfite umutekano.”

Akomeza avuga ko n’iyo telefoni yaba yatakaye cyangwa yibwe, amafaranga aba atabitswe muri telefoni ubwayo, ahubwo aba arinzwe n’uburyo bw’ibanga bwo kugera kuri konti.

Yagize ati: “N’iyo abajura bankubita bakantwara telefoni, mba nzi ko ntazabura byose, kuko amafaranga aba arinzwe n’ibanga. Ndashimira ubuyobozi bw’Igihugu cyacu bugenda budufasha koroshya ubuzima.”

Niyonsenga avuga ko mbere umuntu yashoboraga gutwara amafaranga menshi mu ntoki agiye kugura cyangwa kubitsa, bikamushyira mu kaga ko kwamburwa cyangwa kuyatakaza.

Bimenyimana Casimir, umworozi wo mu Murenge wa Cyumba, na we avuga ko ikoranabuhanga ryamufashije gukurikirana umusaruro w’amata ye n’amafaranga awukomokaho.

Yagize ati “Iyo maze kugeza amata ku ikusanyirizo, mpabwa ubutumwa bugufi kuri telefoni bumenyesha ko amata yanjye yakiriwe. Ibi bituma menya ko umusaruro wanjye wageze ku ikusanyirizo kandi nkamenya n’amafaranga nzishyurwa nyumayo kugemura amata.”

Bimenyimana avuga ko kwishyurwa hakoreshejwe ikoranabuhanga bituma amakuru y’ihererekanya ry’amafaranga abikwa kuri telefoni, bityo bikagabanya ibibazo byaturuka ku kuba nta nyandiko y’amasezerano iriho.

Umuyobozi Wungirije w’Akarere ka Gicumbi ushinzwe Iterambere ry’Ubukungu, Uwera Parfaite avuga ko iyi gahunda ya Kashilesi ifite uruhare mu guteza imbere imibereho y’abaturage n’ubukungu bw’Akarere.

Yagize ati: “Kuri ubu twahagurukiye gushishikariza abaturage bacu gukoresha gahunda ya Kashilesi. Ikuraho imbogamizi z’ikoreshwa ry’amafaranga mu ntoki, bigatuma turushaho guteza imbere umutekano wayo, tukihutisha serivisi kandi tukazamura ubukungu nk’abagize Akarere ka Gicumbi.”

Ashimira Guverinoma y’u Rwanda n’ibigo by’imari, ku ruhare rwabo mu bukangurambaga bwo kumenyekanisha iyi gahunda.

Ati: “Guverinoma y’u Rwanda yakomeje gushora imari mu ikoranabuhanga hagamijwe guhindura imibereho y’abaturage no kubafasha mu iterambere.”

Akomeza asaba abaturage, abashabitsi, amatsinda yo kuzigama n’amakoperative gukomeza gukoresha ikoranabuhanga mu kwishyurana no kubika amafaranga, kuko ari uburyo bworoshye kandi butanga umutekano.

Umuyobozi mukuru w’Ishami ry’Ikoranabuhanga mu Rugaga rw’Abikorera (Rwanda ICT Chamber), Alexis Ntare, avuga ko iyi gahunda igamije kugabanya ihererekanya ry’amafaranga mu ntoki.

Yagize ati: “Iyi gahunda ireba buri wese, yaba uwize amashuri make cyangwa menshi, kandi akwiye kuyikoresha. Ni kimwe mu bituma abantu badatakaza umwanya bajya ku bigo by’imari kubika cyangwa kubikuza amafaranga, ndetse bikabafasha kugabanya amafaranga bakoreshaga mu ngendo.”

Avuga ko gahunda ya Kashilesi yatangiye mu mwaka 2022, hagamijwe kwihutisha ikoreshwa ry’ikoranabuhanga mu ihererekanya ry’amafaranga nta muturage usigaye inyuma.

Ntare avuga ko mu 2025, Rwanda ICT Chamber yakoranye n’ibigo by’amashuri 557 byinjiye muri iyo gahunda, mu rwego rwo kongera umutekano w’amafaranga yoherezwa ku mashuri, ikaba ari gahunda yatangiriye mu Turere twa Nyabihu, Gatsibo, Musanze na Huye.

Muri Gicumbi, Rwanda ICT Chamber ikorana n’amakoperative y’amakusanyirizo y’amata, aho ikoranabuhanga rifasha gukurikirana amakuru ajyanye n’amata yakusanyijwe n’amafaranga yishyuwe.

Umuyobozi muri Minisiteri y’Ikoranabuhanga na Inovasiyo ushinzwe Iterambere ry’Ikoranabuhanga, Maurice Kajangwe Haesen avuga ko ikoranabuhanga ari kimwe mu bikoresho bifasha amafaranga kugera ku bantu benshi mu gihe gito kandi mu buryo butekanye.

Ati: “Iyi gahunda nayishyira mu ijambo rimwe, Kashilesi ni gahunda yakemuye ibibazo byinshi cyane. Ndibuka mu bihe byashize, iyo umwarimu yajyaga guhembwa uwo munsi, bamwe bashoboraga gutakaza igice cy’umushahara mu nzira, bakamburwa cyangwa bagahura n’izindi ngorane zababuzaga kuzigama no gucunga neza amafaranga yabo.”

Yasabye abashoramari n’abashabitsi gukoresha ikoranabuhanga mu kwishyura no kwakira amafaranga kuko ribafasha kuzigama igihe n’amafaranga.