Agashya i Gatsibo: Amatsinda y’abahinzi bo mu cyaro bakoresha serivisi za banki batavuye mu rugo

Abaturage bo hirya no hino mu Rwanda batuye mu cyaro aho bibagora  kubona serivisi zitangwa n’ibigo by’imari bagenewe uburyo bazajya bazibona bibereye mu ngo zabo, mu buryo bwiswe Push& Pull.

Iri koranabuhanga rizajya rikoreshwa n’amatsinda n’abantu ku giti cyabo. Ni uburyo buri gukoreshwa n’amatsinda afashwa n’Umushinga wa Hinga Weze mu turere 10 uyu mushinga ukoreramo. Mu karere ka Gatsibo aho ubu buryo bwatangijwe ku mugaragaro kuwa Kane tariki 20 Gicurasi 2021, uyu mushinga ufasha amatsinda 386 [itsinda rigizwe n’abantu bari hagati ya 50 na 75], ni ukuvuga  abanyamuryango 6432 bo mu mirenge 8 muri 14 igize akarere.

Umushinga Hinga Weze ugamije guteza imbere ubuhinzi no kurwanya imibereho mibi[urwanya imirire mibi] utangaza ko wazanye iki gitekerezo nyuma yo kubona imbogamizi abahinzi bakorana nawo batuye mu cyaro bahura nazo mu bijyanye no kwiteza imbere.

Ibibazo byagaragaye birimo ko iyo bezaga bakabona amafaranga baburaga uko bayageza kuri ibyo bigo by’imari, cyangwa uko bayajyana mu rugo bityo bamwe bakayapfusha ubusa. Kuba batitabira izi serivisi ntibibafashe kubona inguzanyo muri ibyo bigo kuko batakoreshaga konti zabo cyane.

Hinga Weze imaze kubona iki kibazo yazanye ubwo buryo bw’ikoranabuhanga buborohereza muri byinshi. Ni uburyo butari busanzwe bukoreshwa mu Rwanda, kuko ubusanzwe mu yandi matsinda iyo yashakaga kubikuza amafaranga agira abasinya mbere yo kuyabona, ariko muri ubu buryo harimo bwo harimo ibishya.

Gatari Fabrice, uhagarariye uyu mushinga mu karere ka Gatsibo agira ati “Ubu umuturage azajya yicara iwe mu cyumba asunike amafaranga abikwe mu kigo cy’imari atavuye mu rugo. Nushaka no kubikuza cyangwa bakaka inguzanyo nk’itsinda.”

Yungamo ati ” Kuba amatsinda yakoresha ubu buryo biri no mu bishya by’iyi gahunda kuko bashobora kubitsa nk’itsinda cyangwa bakabikuza nk’itsinda.”

Muri ubu buryo, perezida azajya yohereza ubutumwa bwo kubikuza kuri konti y’itsinda, ikigo cy’imari cyohereze ubutumwa ku basinyateri ivuga ko perezida w’itsinda asaba kubikuza amafaranga runaka y’itsinda riri mu kigo cy’imari iki n’iki. Ubwo butumwa nibugera kuri abo basinyateri uko ari batanu bakoherereza icyo kigo ubuvuga ngo yego turabyemera, icyo kigo nikibubona kizajya gihita cyohereza amafaranga itsinda rishaka kubikuza kuri telefoni ya perezida, ayabikuze atavuye aho ari.

Akomeza avuga ko abaturage batangiye kubukoresha, ariko bakomeje no kubikangurira abandi, babashakira gahunda nziza zikomeza kubafasha guteza imbere.

Ubu buryo kandi bufasha muri gahunda yo kudakoresha ihererekanya ry’amafaranga, bikaba byarinda abantu kuba bakwanduzanya COVID-19. Bufasha kandi leta muri gahunda yo kwitabira gahunda zo gukorana n’ibigo by’imari.

Hinga weze yamaze gusinyana n’ibigo by’imari mu Rwanda bizafasha aya matsinda mu gihe cy’imyaka ibiri ko azajya ahabwa serivisi z’ubuntu, nyuma y’iyo myaka izi serivisi zibahwa aba bahinzi zikazajya zishyurwa n’ibigo by’imari. Ibi bivuze ko bazajya babikuza kuri telefoni ku buntu.

Uyu mushinga ubona ubu buryo buzafasha aba bahinzi kwiteza imbere, kuko igihe bari gufata bagana ibi bigo bazagikoresha mu bikorwa by’ubuhinzi bibateza imbere, ndetse n’amafaranga bashoboraga gukoresha bagana ibyo bigo bakazayakoresha ibindi bibabyarira inyungu.

Ubu buryo kandi ngo buzatuma abaturage bitabira kubitsa cyane[kwizigamira] maze biyongerere amahirwe yo kubona inguzanyo nyinshi[credit score] , bityo izijya mu buhinzi ziyongere, byongere umusaruro w’abahinzi, bizigamire, barye neza barwanye imirire mibi.

Uyu mushinga wasinye amasezerano yuko izi serivisi zizahabwa abahinzi 2563 bahabwe inguzanyo ya miliyoni 635, 134,000 mu gihe cy’umwaka muri aka karere.

Umushinga Hinga weze ugaragaza ko umaze kuzamura imibereho y’abaturage cyane mu bijyanye no kwizigama ku buryo amatsinda  6337 washinze mu gihe cy’imyaka ine agizwe n’abanyamuryango 59, 344 amaze kwizigamira amafranga asaga miliyoni 839 (839,000$), bityo ukishimira ko intego wihaye mu gihe cy’imyaka itanu[2017-2022] iri kugerwaho.

Mu karere ka Gatsibo, amatsinda 386 arimo abanyamuryango 6432 mu myaka ibiri n’igice ishize bamaze kwizigama 142,645,745Frw, bamaze kandi guhabwa inguzanyo ya 111,747,200 Frw.