Nyuma yo kwegukana igihembo cya miliyoni y’amafaranga y’u Rwanda buri umwe babikesha gukoresha serivisi IKOFI ya Banki ya Kigali, abahinzi baremeza ko yatangiye kubahindurira ubuzima.
Banki ya Kigali ihamya ko izakomeza gufasha abahinzi bo bakigorwa no kubona serivisi z’imari, mu gihe nyamara bafitiye akamaro kanini Abanyarwanda bose muri rusange.
Kuva muri Gicurasi muri uyu mwaka wa 2019, buri cyumweru haboneka umuhinzi utsindira amafaranga y’u Rwanda miriyoni imwe, abikesheje gukoresha serivisi z’IKOFI, ahererekanya amafaranga n’abantu batatu mu cyumweru, akaba afite n’amafaranga 3000 yasigaye kuri konti ye y’IKOFI.
Banki ya Kigali isobanura iyi serivisi y’IKOFI nk’izafasha abahinzi kwegerezwa serivisi z’imari nk’uko byemezwa na Regis Rugemanshuro, umuyobozi ushinzwe ihinduramikorere mu ikoranabuhanga muri iyi banki.
Ati “ Nka BK uburyo bw’umwihariko twiyemeje gukorana n’abahinzi. Mu by’IKOFI ikora ubu ngubu, mbere y’uko dushyiramo n’ibindi bizaza vuba aha, icya mbere ni ubuntu, kwakira no kohereza amafaranga ndetse no kwiyandikisha, aho dutandukanye n’izindi serivise muzi za ‘mobile money’ abandi bose bakwishyuza, ikindi ushobora kwishyura ifumbire n’imbuto, imwe muri serivisi ziri mu IKOFI, aho ushobora kwishyura umu-Agro-Dealer, ikindi kirimo ni uko ushobora kwishyura ejo heza witeganyiriza ejo hazaza, uzaba ushobora rero no kwishyura mitiweri de santé.”
Abahinzi batandatu barimo abagore babiri, nibo bamaze kwegukana igihembo cya miliyoni imwe ya buri cyumweru muri poromisiyo ya IKOFI izamara ibyumweru 30, yatangiye mu kwezi kwa 5 kw’uyu mwaka wa 2019.
Aba bahinzi baremeza ko iyi serivisi yatangiye kubahindurira ubuzima, kandi bafite imishinga migari kubera IKOFI.
Umwe yagize ati “ Ako kanya nahise menesha imodoka ebyiri z’ifumbire y’imborera, mu kwezi kwa Munani bazatuzanira ifumbire, mfate ku gafumbire k’imborera, mfate n’aka k’imvaruganda, njye mvangamo ikigori cyanjye kirusheho kugira ubuzima.”
Undi yagize ati “ Nahinganga ahantu hato kubera ubushobozi bucye nari mfite, ubwo mpita mpanga kujya mpinga ahantu hanini, wenda niba nezaga nka toni nk’ebyiri, noneho ku buryo nazeza nka toni nk’icumi nanjye nkapakira imodoka nkageza ku masoko.”
Banki ya Kigali ivuga ko iteganya kwagura serivisi zizakorerwa kuri serivisi IKOFI, abahinzi bakaba bakoroherezwa no kubona inguzanyo. Icyakora iyi banki ntihakana ko hashobora kuba ikibazo cyo guhomba mu gihe umuhinzi yarumbya ntashobore kwishura, Gusa BK yemeza ko yaboneye igisubizo izi mpungenge.
Regis Rugemanshuro arakomeza agira ati “ Icya mbere ntabwo uhita ubona inguzanyo, hari ibisabwa. Umuhinzi witeganyiriza, yishyura ejo heza hazaza, yishyura mituweli de santé, n’izindi gahunda zose akora, hari ibyo ugomba kugeraho ukora mu IKOFI kugira ngo tumenye neza uko uhagaze. Ikindi ni uko, kugira ngo tugabanye izo ‘risk’ koko, kandi abahinzi turabibasobanurira tukanabigisha, umuhinzi uzatangira kwaka inguzanyo y’ifumbire n’imbuto, iyo nguzanyo azabona izaba ari iy’ifumbire n’imbuto.”
N’ubwo ubuhinzi bukorwa n’Abanyarwanda basaga 70 %, ubuhinzi kandi bukaba bugize 30 % by’umusaruro mbumbe w’igihugu. Kugeza ubu ibigo by’amabanki y’ubucuruzi bimaze gushora imari muiri uru rwego rw’ubuhinzi ku kigero cya 6 %.
Yvonne Murekatete
