Gicumbi: Bitandukanije n’umuco wo kubika amafaranga  mu kimuga, nyuma yo gusobanurirwa ibyiza bya Kashiresi

Akarere ka Gicumbi kagizwe n’Imirenge 21 irimo abacuruzi, amakoperative ndetse n’ abakorera inzego za leta, aba bose babasha gukorera amafaranga gusa uko bayabona biratandukanye, usanga bamwe hari abakorera mu Mirenge y’icyaro bari bagifite umuco wo kubika amafaranga mu ngo zabo, ibintu  byafatwaga nk’ umuco  wahozeho dore ko babyitaga kubika mu kimuga ariko bikagira ingaruka ku bukungu bwabo.

Kuri ubu imyumvire yahindutse bitewe n’iterambere igihugu kigezeho, gusa hari abifashisha ama Banki, abizigama bakoresheje ibimina na za Koperarative babarizwamo, ndetse hari n’abayobozi b’amatsinda babarizwamo usanga bakora ingendo bajya kubitsa cyangwa kubikuza amafaranga y’abanyamuryango kuri Banki, bitewe n’uko badasobanukiwe neza uburyo bugezweho bwo gukoresha ikoranabuhanga hifashishijwe Telefoni cyangwa Mudasobwa.

Babigarutseho kuri uyu wa 21 Kanama 2026,ubwo hatangwaga ubukangurambaga bwiswe:” Twagiye Cashiresi”. Bwateguriwe abanya Rwanda hagamijwe kwimakaza umuco wo kwishyura no kwishyurwa hifashishijwe ikoranabuhanga mu rwego rwo gucunga neza amafaranga yabo, kwirinda ibyago byo kwibwa, kwishyurana mu buryo bwihuse ndetse no guteza imbere ikoranabuhanga mu gihugu hose.

Ubukangurambaga bwo kwishyura hifashishijwe ikoranabuhanga bubaye ku nshuro ya 3 hagamijwe guteza imbere uburyo bwo kwishyura hifashishijwe ikoranabuhanga mu bigo by’ ubucuruzi, amakoperative, ibigo by’ amashuri ndetse no mu baturage bose b’igihugu.

Akarere ka Gicumbi gafite Koperative 294, ibigo by’ amashuri 164, n’ibigo bito by’ ubucuruzi bigera ku 7594, aba bose bakeneye kwegerwa kugira ngo abagifite imbogamizi mu gukoresha ikoranabuhanga bafashwe mu iterambere ricunga umutekano w’amafaranga mu buryo bwizewe.

Ubu bukangurambaga bwo kwishyura no kwishyurwa hifashishijwe ikoranabuhanga bwatangijwe mu mwaka wa 2022, ku bufatanye na Minisiteri y’Ikoranabuhanga na Inovasiyo, Banki nkuru y’u Rwanda ( BNR), UNCDF, Access to Finance Rwanda ( AFR)  Better than Cash Alliance ndetse na Rwanda ICT Chamber.

Bamwe mu baganirijwe ibyiza byo gukoresha ikoranabuhanga bavuga ko hari abamaze kumenya gukoresha Terefoni ariko ko atari bose,  ndetse ko hakiri imbogamizi zigikenewe gushakirwa ibisubizo, kuko hari abishyura kuri terefoni gusa ariko ntibamenye uko bakorana n’ibigo by’ imari, bamenye uko bafata inguzanyo cyangwa kwishyura amafaranga y’amashuri y’abana mu buryo bwihuse bidasabye ko bakora ingendo bitewe n’ubumenyi butari bwagasakaye mu Karere kose.

Ayinkamiye Beatrice avuga ko we gukoresha iri koranabuhanga byamufashije kwishyurira abana amashuri bidasabye gukora urugendo, ndetse akamenya uko amwohereza andi yo kumupfunyikira mu gihe ayo yatangaga mbere bayoherezaga akaba yakwibwa (amafaranga) atageze ku mwana uri ku ishuri.

Ati:” Uburyo bwo kwishyura hifashishijwe ikoranabuhanga rya e Cash ni iterambere ryihuse, ntibisaba gukora ingendo kandi birizewe kuko niyo amafaranga ayobye ibigo by’ itumanaho biragufasha akagaruzwa yose, kuko hari amakuru y’ ibyakozwe aba yamaze kwandikwa muri Telefoni”.

Niyonsenga Methode Robert we avuga ko akora akazi ko gutwara abagenzi, ariko ko iyo bamwishyuye hifashishijwe Telefoni bimufasha kudatwara umwanya wo kujya kuvunjisha ngo akereze abagenzi , ndetse ko kujya kuvunjisha byanateza ingaruka zo kugaruka agasanga bamwibye ikinyabiziga cye.

Umuyobozi w’Akarere ka Gicumbi wungirije ushinzwe iterambere ry’ ubukungu Uwera Parfaite avuga ko bakomeje kwigisha abaturage ibyiza byo gukoresha ikoranabuhanga, bitandukanye n’uko mbere bahoranye umuco wo kubika mu ngo bikaba byateza ingaruka zo kwibwa cyangwa akaba yakwangirika bitewe n’uburyo yabikwagamo.

Ati:” Turakomeza kubasobanurira ubukangurambaga bwo gukoresha uburyo bwa Kashiresi ndetse na e Cash, birabafasha kudatakaza umwanya ndetse no kugira ikizere cy’ umutekano w’amafaranga yabo”.

Umuyobozi wa Rwanda ICT Chamber Ntare Alex avuga ko iri koranabuhanga rikenewe cyane no mu rugaga rw’ abikorera (PSF) .

Ati:” Iyi gahunda ya Twagiye Kashiresi ni inshuro ya 3 tuyikora, ubu twibanda cyane cyane ku bacuruzi, twatekereje abanyamuryango bacu bagakoresha sisitemu dukoresha yaba mu ma Banki cyangwa kuri Telefoni, bizatanga igisubizo cyo kwihutisha serivisi.

Yongera Ati:” Kashiresi ifite amahirwe yo kubika amakuru y’ ubucuruzi bwawe, haba ku bashaka kuguha inguzanyo kandi iyo wifashishije  uburyo bwa e Cash ntibigutwara umwanya wawe ukora urugendo ujya gushaka amafaranga,  cyangwa kuyishyura aho ukeneye ko abageraho”.

Umuyobozi muri Minisiteri y’Ikoranabuhanga na Inovasiyo ushinzwe impinduramatwara muri iyi Minisiteri Kajangwe Maurice, avuga ko iyo hifashishijwe e cash cyangwa Kashiresi nta kibazo biteza dore ko mbere abaturage berekanaga imbogamizi zo gukatwa amafaranga, ariko kuri ubu byaracyemutse,  asaba abaturage kuyoboka ubu buryo bw’ ikoranabuhanga haba abikorera ku giti cyabo, kuko bizihutisha igihe bakoreshaga bajya gutanga amafaranga , bakagira umutekano wo kwirinda abajura bayabambura, ndetse ko iyo ukoresheje Kashiresi bikuraho amakimbirane kuko byose biba byanditswe mu ikoranabuhanga.

Ubukangurambaga bwo gusobanurira abaturage ibyiza byo gukoresha ikoranabuhanga mu gihe bishyura cyangwa bishyurwa hifashishijwe ikoranabuhanga, nyuma y’Akarere ka Gicumbi buzakomereza mu Turere twa Rutsiro, Rusizi, Ngoma, Rulindo, Gakenke, Ngororero na Nyabihu.