Mu gihe ibigo by’Imari n’amabanki bikomeje kugeza ku bakiliya babo serivise zitandukanye hifashishijwe uburyo bwa eKash, bukaba ari n’uburyo bukomeje kugaragaza umusaruro nyawo mu ihererekanya ry’amafaranga biciye mu buryo bw’ikoranabuhanga, iyo Porogarame yamaze kumurikirwa abanyarwanda ku mugaragaro kuri uyu wa 05 Ukuboza 2025.
Ni mu gikorwa cyateguwe n’ikigo Rswitch kigenzura uburyo bwo guhererekanya amafaranga hakoreshejwe ikoranabuhanga mu Rwanda, mu rwego rwo korohereza abaturage n’ibigo by’imari n’amabanki kwishyura no kohererezanya amafaranga mu buryo bw’ikoranabuhanga butagombera kubikuza.
Minisitiri w’Ikoranabuhanga na Inovasiyo, Ingabire Paula, atangaza ko u Rwanda rwishimira intambwe imaze kugerwaho mu kwishyurana hifashishijwe ikoranabuhanga, aho kuva uru rwego rwatangizwa hamaze guhererekanywa amafaranga angana na miliyari 200 na miliyoni 300 Frw.
Ni muhango witabiriwe n’inzego zitandukanye zifite aho zihurira n’imari n’ikoranabuhanga, zirimo abayobozi ba mabanki, ibigo by’imari, za SACCO, BNR n’abahagarariye imiyoboro y’itumanaho ya MTN Rwanda na Airtel Rwanda.
Minisitiri Ingabire avuga kandi ko urugendo rwo kwimakaza ubukungu budakoresha amafaranga mu ntoki rwatangiye rufite ibibazo, hari n’ibitekerezo by’abatarwizera, gusa bikaba bimaze kugaragara ko rugenda rutanga umusaruro ufatika kuri benshi.
Minisitiri w’Ikoranabuhanga na Inovasiyo Madame Ingabire Paula
Agira ati: “Dutangira gutegura ubu uburyo bwo kwishyurana hakoreshejwe ikoranabuhanga twumvaga bidashoboka. Kwishyurana byabaga biri mu matsinda yihariye, sisitemu zidakorana. Twaje kubona rero ko kugira ngo tugere ku cyerekezo 2050, hakenewe ibikorwaremezo by’ikoranabuhanga biramba kandi bidahutaza uwo ari we wese, nguko uko eKash yavutse.”
Ku rundi ruhande, avuga ko kubera imbaraga n’umuhate byashyizwemo, ko urwo rugendo rumaze gutera imbere kandi abantu benshi bakaba bamaze ku rusobanukirwa.
Agira ati: “Uyu munsi ibigo 22 byamaze kwiyandikisha muri eKash, birimo banki, ibigo by’imari, ibindi bikoresha ikoranabuhanga mu bukungu, n’imirongo y’itumanaho. Ibigo 21 byatangiye gukora, aho habayeho guhererekanya amafaranga inshuro miliyoni 47, afite agaciro ka miliyari 200 na miliyoni 300 z’amafaranga y’u Rwanda (200,300,000,000 frw).”
Umuyobozi Mukuru wa RSwitch, Gasabira Blaise yabwiye itangazamakuru ko mu gutangiza eKash hari hagamijwe ahanini kugera ku ntego zigamije gufasha abantu guhererekanya amafaranga mu buryo buhendutse, butekanye kandi bwihuse.
Umuyobozi Mukuru wa RSwitch Blaise P. Gasabira
Agira ati: “Twashyizeho urwego rwa mbere rwo kohereza amafaranga tutitaye ku bwoko bw’ikigo akoresha. Hari umuntu ushobora kuba yagura ku iduka iryo ari ryo ryose, hatitawe kuri banki ye cyangwa se ikigo cy’imari, izo ni zo serivisi ebyiri zihari.”
Avuga ko hari serivisi zindi zinyuzwa muri eKash mu kwishyura serivisi zose za Leta na zo zitangiye gushyirwamo imbaraga.
Agira ati: “Ibigo bya Irembo na byo bizajya bikorana na eKash kugira ngo bitewe n’ikigo icyo ari cyo cyose waba urimo, ushyireho konti yawe cyangwa iy’umurongo wa telefoni ukaba washobora kwishyura”.
Gasabira avuga ko bitarenze muri Mutarama 2026, hazaba hashyizweho amafaranga y’ikiguzi cya serivisi (charges) rusange kandi gihendutse mu koroheza cyangwa kwakira amafaranga muri rusange ku buryo ibigo byose ari cyo bizajya bikoresha.
Redemptus Bisangwa, umwe mu bantu bakoresha eKash yavuze ko mbere byamugoraga mu kohereza no koherezwa amafaranga.
Agira ati “Mbere washaka kohereza amafaranga nko kuri Airtel ukoresheje Mobile Money ukabanza kujya ku mu Ajenti akagufasha kohereza, ariko ubu aho eKash yaziye ifite ibyiza, rwose ibintu byaroroshye kandi birihuta”.
Abahagarariye ibigo by’imari n’amabanki bashima uburyo bwa eKash ko bwatumye ababagana bashaka serivisi z’imari biyongera cyane ko babonye ko zoroshye kandi zihuse.
Umuyobozi Mukuru w’Ikigo cyorohereza abantu kubona serivisi z’Imari (Access to Finance Rwanda/AFR), Iyacu Jean Bosco, agaruka ku mateka y’uburyo byari bigoranye mu gihe eKash itari yagakoreshejwe muri serivisi z’imari.
Agira ati: “Urugendo rwa eKash ntabwo rwatangiye mu 2022, ahubwo ni mu 2014. Icyo gihe 44% by’abari batunze telefoni nibo bakoreshaga MoMo bigurira ama unite yo guhamagaraga gusa.”
Umuyobozi mukuru AfricaNenda Umufatanyabikorwa wa RSwitch
Akomeza avuga ko muri 2016 mu Rwanda hatangiye gukoresha ikoranabuhanga muri serivisi z’imari, bigeze mu 2018 hashyirwaho imirongo migari mu ikoranabuha mu by’imari[…].
Iyacu avuga ko ikoranabuhanga mu kwishyurana ritarakoreshwa mu Rwanda mu 2020, icyorezo COVID -19 cyaradutse maze bibangamira abatari bake, ari na bwo uburyo bwa eKash byagaragaye ko bukenewe.
Agira ati: “Icyo nibuka ko ibigo by’imari byasabaga inzego zirimo Polisi na banki nkuru y’u Rwanda, kureka abaturage bakajya kubikura amafaranga nibura inshuro imwe, kugira ngo babashe kubona ibibatunga”
RStwich itangaza ko mu gukoresha serivisi za eKash imaze kwandika ibigo 22, aho ababikoresha bishyurana bidasabye kubikura amafaranga.
Bakavuga ko Umubare ntarengwa wo kohereza cyangwa koherezwa muri eKash kugeza ubu ari amafaranga y’u Rwanda ibihumbi 10 ku munsi, aho kohereza inshuro imwe, hagenda atarenga ibihumbi 2.
Ubu ni uburyo nabwo buteganywa ko ubutumwa bumenyesha, igikorwa cyabaye muri eKash, butagomba kurenza amasegonda 10.
eKash yatangijwe ku mugaragaro Rwanda
Imibare ya MINICT igaragaza ko kugeza ubu Abanyarwanda bagera kuri 82% bafite konti mu bigo by’imari, Banki cyangwa ku mirongo y’itumanaho, aho abafunguye muri eKash bafite kuri konti Miliyari 21, byongeye na none umuntu umwe akaba yemerewe gutunga konti nyinshi mu bigo bitandukanye yaba yifuza gukorana nabyo, eKash ikaba yaraje aricyo gisubizo.
Abahagarariye ibigo by’imari, Amabanki n’Itumanaho bitabiriye itangizwa rya eKash ku mugaragaro ari benshi
