Sobanukirwa bimwe mu bibazo byibazwa cyane mu rwego rw’imari

  • NYIRANEZA JUDITH
  • Ugushyingo 28, 2023
  • Hashize amezi 3
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Hari ibibazo abantu batandukanye badasobanukirwa mu rwego rw’imari nko kwibaza niba ibimina, ihuzwa rya banki zimwe na zimwe, guhererekanya amafaranga n’ibindi bitagira ingaruka ku mikorere y’ibigo by’imari na za banki.

Ibi byagarutsweho ubwo Guverineri wa Banki Nkuru y’u Rwanda (BNR) Rwangombwa John yagezaga ku Nteko Ishinga Amategeko Imitwe yombi raporo y’ibikorwa bya Banki Nkuru Rwanda (BNR) y’umwaka wa 2022/2023.

Guverineri yagaragaje ibyagiye bikorwa birimo ko mu mwaka w’ingengo y’imari wa 2022/23, BNR yazamuye igipimo cy’inyungu fatizo yayo, iva kuri 5% muri Kamena 2022 igera kuri 7% muri Kamena 2023.

Banki Nkuru y’u Rwanda yashyizeho ingamba zitandukanye hagamijwe guteza imbere urwego rw’imari n’ikoreshamari ridaheza. Izi ngamba zijyanye n’intego zijyanye n’icyerekezo cya BNR, zishimangira urwego rw’imari rutajegajega, rudaheza, ndetse ruteye imbere ku buryo burambye.

Ihuzwa rya za banki rigamije kubaka ubushobozi 

Ku kibazo cy’ihuzwa ry’amabanki, hasobanuwe ko bitavuga ko ziba zahombye, Guverineri Rwangombwa yasobanuye ko nta kibazo na kimwe kirimo ahubwo ko bikomeza urwego rw’imari, bikanongera ubushobozi bwa banki nshya bwo gutanga inguzanyo nini n’izindi serivisi ku bakiliya bayo.

Ibimina bitoza abakiliya gukorana n’ibigo by’imari

Ku kibazo cy’ibimina, hibazwa niba bitabangamira imikorere ya za banki, Rwangombwa yasobanuye ko hakozwe inyigo yo kumenya ibimina biri hirya no hino (mapping) mu gihugu, kugira ngo harebwe ingano yabyo, abanyamuryango kandi hanagenzurwe niba bifasha ababigana guhindura imitekerereze bakamenyera gukorana n’ibigo by’imari 

Yagize ati: “Iyo nyigo igaragaza ko ibimina bikora neza ndetse bitoza abantu gufata inguzanyo bigahindura imyumvire, bikanamenyereza abantu kuzamuka bagakorana n’ibigo by’imari”.

Guverineri wa BNR, Rwangombwa yavuze ko ibimina bitakurikiranwa byose, ariko hari urwego rw’imari bigeraho bigatangira gukuirikiranwa. 

Yagize ati: “Ntitwabikurikirana byose uko bingana iyo hajemo amabwiriza abigenga bisaba byinshi wirinda kuzanamo imicungire bitarashinga. hashyizweho amabwiriza ateganya ko ibimina binini bifite nibura imari shingiro y’amafaranga y’u Rwanda miliyoni 500 bigomba kwiyandikisha no kugenzurwa kugira ngo bifashwe mu micungire yabyo”. 

Guverineri yavuze kandi ko hari n’izindi ngamba zashyizweho na Banki Nkuru y’u Rwanda kugira ngo ibigo by’imari byegere ibi bimina muri gahunda yo kwegereza serivisi z’imari ku baguzi ba serivisi z’imari.

Nta kiguzi ku kohererezanya amafaranga hokoreshejwe ikoranabuhanga

Ku kibazo cy’ikiguzi cyo kohereza amafaranga hasobanuwe ko nta kiguzi mu gihe hifashishijwe ikoranabuhanga ava kuri telefoni ajyanwa kuri konti.

Guverineri wa Banki Nkuru y’u Rwanda Rwangombwa yagize ati: “Nta kiguzi cyo kuvana amafaranga kuri konti ya telefone igendanwa uyashyira kuri konti ya banki ukoresheje ikoranabuhanga”.

Yasobanuye kandi ko Banki Nkuru y’u Rwanda yakoranye n’ibigo bitanga serivisi z’imari kugira ngo bibe byakoresha e-cash. Imibare ya e-cash umuntu ashobora kohereza amafaranga akanyura ku murongo wa e- cash ukayohereza akava kuri MTN akajya kuri Airtel.

Kuva koherezanya amafaranga make hakoreshejwe ikoranabuhanga ryihuta e-cash byatangira, abantu barenga miliyoni 1 ni bo bamaze kurikoresha, hahererekanywa amafaranga y’u Rwanda afite agaciro karenga miliyari 15.

Yakomeje asobanura ko aho ikiguzi kiri ari mu kuvana amafaranga kuri konti ya banki uyashyira mu yindi banki. Banki Nkuru y’u Rwanda yashyizeho ingamba zo kureba ko ikiguzi cy’izo serivisi kiba kigereranyije mu buryo kidaca intege abakiliya ariko urebye ishoramari rishyirwamo mu mitangire yiyo serivisi, ikiguzi kitaba zero.

Urwego rw’imari mu Rwanda rwakomeje kwaguka rubifashijwemo n’imicungire y’urwego rw’ubukungu muri rusange. Umutungo w’ibigo by’imari wazamutseho 18.3% ugera kuri miliyari z’amafaranga y’u Rwanda 9,635 uvuye kuri miliyari 8,145.

Urwego rw’imari rwagumanye imari shingiro n’umutungo nvunjwafaranga w’igihe gito bihagije. mu mwaka 2022/23, ibigo by’imari byose Banki Nkuru y’u Rwanda igenzura byari bifite imari shingiro iri hejuru y’ibipimo bisabwa.

  • NYIRANEZA JUDITH
  • Ugushyingo 28, 2023
  • Hashize amezi 3
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