U Rwanda rwaje imbere mu bihugu by’Afurika byihuta mu bukungu

Icyigeranyo cy’Isoko ry’Imari rya Afurika cya Absa (Absa Africa Financial Markets Index /AFMI) cyashyize u Rwanda ku myanya y’imbere mu bihugu byagize urwego rw’ubukungu rutera imbere kurusha ibindi muri Afurika mu 2025.

Ubwo bushakashatsi bwakorewe mu bihugu 29 bwerekanye ko amanota y’u Rwanda yazamutse akava kuri 46 akagera kuri 54%, bigaragaza impinduka u Rwanda rwashyizeho mu rwego rw’ikoranabuhanga mu by’imari (fintech), mu isoko ry’ivunjisha ndetse no mu iterambere ry’isoko ry’imari n’imigabane.

Icyigereranyo cya AFMI gishingiye ku isesengura ry’uburyo urwego rw’imari rutera imbere mu bihugu, hashingiwe ku nkingi esheshatu, zirimo kwagura amasoko, uko abantu bagera byoroshye ku isoko ry’ivunjisha, kwizerwa ku masoko no kugira amategeko ahamye abigenga, ikigega cyagenewe ubwishingizi ku mari hagamijwe iterambere, ubukungu burengera ibidukikije muri rusange ndetse n’ibyemezo n’amategeko ashyirwaho agenga isoko.

Iki cyigereranyo cyakozwe ku nshuro ya cyenda, gisuzuma iterambere ry’ibihugu mu by’imari kandi kigaragaza amahirwe abafata ibyemezo bafite yo gukomeza kunoza sisitemu z’imari.

Absa ivuga ko Urwego rushinzwe Amasoko y’Imari n’Imigabane mu Rwanda (CMA) rwayoboye ishyirwa mu bikorwa ry’ingamba z’igihugu zo guteza imbere ubukungu hisunzwe ikoranabuhanga (Fintech), bigaragaza ko ari ingamba zihamye kandi zitagira uwo ziheza mu ikoranabuhanga rijyanye n’imari.

Guverinoma kandi yashyizeho Fintech Regulatory Sandbox, ahantu hagenzurirwa kandi hakagezwa ibicuruzwa na serivisi z’imari, hagamijwe gushyigikira guhanga ibishya mu masoko y’imari n’imigabane.

Absa ivuga ko izi ngamba u Rwanda rwafashe zatejwe imbere mu kugeza ku isoko ibicuruzwa bitandukanye, kongera amasoko, no gukomeza kwizerwa n’abashoramari.

Umuyobozi Mukuru wa CMA Thapelo Tsheole, yagize ati: “U Rwanda rukomeje kuzamuka mu manota ya Absa AFMI, rwavuye ku mwanya wa 18 rugera ku wa 12 mu myaka ibiri gusa. Ibyo bigaragazwa n’ingamba zihamye zafashwe mu kubuka urwego rw’imari kugira ngo rukore neza”.

Tsheole yashimangiye ko imikorananire ya CMA na Banki Nkuru y’u Rwanda (BNR), yashyizweho hagamije guteza imbere isoko ry’imari n’imigabane.

Ati: “Urebye ingamba ziriho, zirimo gukoresha ikoranabuhanga mu by’imari (Fintech) no gushyiraho amategeko ahamye, tubyitezeho amanota meza, mu byegeranyo bizakorwa mu gihe kiri imbere kandi bigaragara ko biteza imbere Igihugu.”

U Rwanda rwihaye intego yo kungera imikoreshereze y’ikoranabuhanga muri serivisi z’imari bikagira uruhare rwa 4% ku musaruro mbumbe w’Igihugu mu 2029, bivuye kuri 1% byariho mu 2024.

Igihugu giteganya gushyiraho kandi ifaranga koranabuhanga ryemewe na Banki Nkuru (CBDC), guteza imbere inguzanyo zishingiye ku makuru y’ubushakashatsi (data-driven lending), ndetse no gushyiraho amategeko y’imari afunguye (open finance laws) yemerera za banki n’abatanga serivisi z’imari bakoresheje telefoni ngendanwa, gusangira amakuru y’abakiliya mu buryo bwizewe.

Byitezwe kandi ko hazahangwa imirimo 7 500 mu by’ikoranabuhanga muri serivisi z’imari (fintech) aho hazakomeza gushyirwa imbaraga mu guhanga udushya mu bigo by’ubucuruzi bukorerwa ku ikoranabuhanga.