89% by’Abanyarwanda basigaye bakoresha Serivise za Banki n’ibigo by’imari
Ubushakashatsi bushya bwagaragaje ko kugeza muri Mutarama 2016, Abanyarwanda bagera kuri 89% bakoresha Serivise z’imari nk’amabanki n’ibigo by’imari, nubwo ngo hakiri ikibazo mu itangwa ry’inguzanyo.
Ubushakashatsi ku buryo Abanyarwanda bakoresha Serivise z’imari zirimo amabanki, ibigo by’imari, Mobile Money, n’izindi “Finscope” bwakozwe habazwa abantu 12 480, muri bo 86% bakaba ari abahinzi borozi bo mu turere twose tw’igihugu, bukorwa kuva tariki 02 Ugushyingo 2015 kugera Mutarama 2016.
Ubu bushakashatsi bwagaragaje ko Abanyarwanda bitabiriye gukoresha Serivise z’imari ku kigero kiri hejuru ya 80% Leta yari yiyemeje kugeraho mu mwaka wa 2017, ndetse bikaba biri hafi ya 90% Leta yiyemeje kugeraho mu mwaka wa 2020.
Nubwo Serivise z’imari zitera imbere, haracyagaragara ikinyuranyo gahati y’uturere tw’icyaro n’utw’umujyi, ndetse n’ikinyuranyo gikabije hagati y’abagore n’abagabo.
Ubushakashatsi Finscope bwa 2016 bugaragaza ko Abanyarwanda bafite imyaka y’ubukure bakoresha Serivise z’imari zigenzurwa na Banki Nkuru y’Igihugu (BNR), ni ukuvuga amabanki n’ibindi bigo by’imari bagera kuri Miliyoni enye; Mu Karere ka Nyarugenge bagera kuri 94%, mu gihe mu Karere ka Rutsiro ari 48%.
Ubushakashatsi bugaragaza ko kumva mu mwaka wa 2012, abantu bakoresha Serivise za Mobile Money bazamutse cyane bakagera kuri 47% by’Abanyarwanda bakuze.
Ku rundi ruhande, abakoresha Serivise za Banki zazamutseho 0.4% gusa, abazikoresha abakaba 26% ndetse no mu mijyi imibare ikaba iri hasi kuko nko mu Karere ka Nyarugenge ari 69%, naho mu Karere ka Ngororero bakaba ari 11% gusa.
Imwe mu mpamvu ituma abantu bitabira cyane gukoresha Mobile Money ngo ni uko ibangutse, ubu bushakashatsi bugaragaza ko impuzandengo y’igihe umuntu akoresha yakira cyangwa yohereza amafaranga mu Rwanda ari iminota 31 (iminota 15:15′ mu Karere ka Nyarugenge); Mu gihe Serivise z’amabanki nko ku mashami ya za banki ari iminota 53:30′, mu gihe amakarita ATM ari iminota 53:37′.
Ubushakashatsi kandi bugaragaza ko mu kwizigama, Abanyarwanda bakuze benshi (57%) bizera Umurenge SACCOs, 27% bizera Banki, 9% bizera Koperative n’ibimina, mu gihe 4% aribo bizera Mobile Money.
Mu bijyanye n’inguzanyo, 57% bizera ibigo by’imari (MFI), 26% bizera Banki, naho 11% gusa nibo bizera Koperative n’ibimina. Ku bijyanye no guhererekanya amafaranga, 84% bizera Mobile Money.
Nubwo imibare y’abakoresha Serivise z’imari bagera kuri 89%, ntibibuza ko 72% bagikoresha uburyo butazwi na BNR nko kwibikaho amafaranga ku mufuka, kugurizanya bitanyuze muri banki, n’ibindi kabone nubwo baba banakoresha Serivise z’imari zisanzwe.
Abanyarwanda badakoresha Serivise z’imari namba bavuye hejuru ya 30% mu 2008, na 28% mu mwaka wa 2012, bagera 11% mu 2016.
Minisitiri w’Intebe, Anastase Murekezi wamuritse ku mugaragaro ubu bushakashatsi yavuze ko kuba Abanyarwanda Miliyoni 5.2 z’abanyarwanda bakuze bakoresha Serivise z’imari ari umuhigo ukomeye u Rwanda rugezeho, mu rugendo rw’iterambere igihugu kirimo.
Ati “Twemera ko kwgereza Serivise z’imari buri muturage wese ari ngombwa kugira ngo ugere ku iterambere rirambye kandi kuri bose.”
Minisitiri Murekezi yavuze ko ubu bushakashatsi bwa FinScope buragaragaza ko u Rwanda rukataje mu ntego rwihaye zo kwegeraza abaturage Serivise z’imari.
Yagize ati “Ibyiza turimo kwishimira uyu munsi, ni imbuto z’ubufatanye hagati y’urwego rw’abikorera, inzego za Leta n’abafatanyabikorwa bacu mu iterambere banyuranye.”
Minisitiri w’intebe yasabye Abanyarwanda cyane cyane urwego rw’imari kutumva ko bageze iyo bajya kuko hakiri byinshi byo gukora.
Akavuga ko gukomeza guhanga imirimo ari imwe mu ntwaro izakomeza gufasha mu kubaka ubushobozi bw’Abanyarwanda no kuzamura umuco wo kwizigamira, ku buryo muri 2020 imibare y’abadakoresha Serivise z’imari ishobora kuzaba ari mito cyane.
Ubu bushakashatsi bwakozwe n’ikigo Access to Finance Rwanda, Minisiteri y’Imari n’igenamigambi, BNR, Ikigo cy’igihugu cy’ibarurishamibare n’abaterankunga banyuranye.
Vénuste KAMANZI
UM– USEKE.RW
English
3 Comments
Iki cyegeranyo nikiza peeh ariko Nyakubahwa Murekezi yari akwiye kwibaza impamvu umubare munini ari abahemberwa muma Banki gusa. Ntababitsa cg ngo basabe inguzanyo bose bajya kubikuza ayo bahembwe.
Muzakore observation muma Banki menshi n’ibigo byimari biciriritse Microfinance.
Ikibazo giteye gutya: Kwaka inguzanyo muri banki y’ubucuruzi baraguha kunyungu iri hejuru cyane hagati ya 15 kugeza kuri 20%. aYA MAfaranga ntibyoroshye kuyishyura ku mushinga uwo ariwowose waba ugiye kuyashoramo. BNR nayo yabonyeko ari menshi ariko ivuga ko itategeka amabanki kuyagabanya kuko nayo aba yayagurijwe nibigo by’ubwishingizi kunyungu iri hejuru.
Igisubizo mbona:
BNR nihitemo igurize ama Banki cg ibigo byubucuruzi bito birimo Umurenge SACCO, UMWALIMU SACCO na za Microfinance kunyungu yo hasi, ubundi nabyo bigurize abantu byibuze kunyungu iri hagati ya 8% kugeza kuri 11%. Nyuma BNR yahangana nikibazo cy’ubukungu igenzura uburyo ayo mafaranga akoreshwa.
Ikindi kandi imisoro nayo kumirimo y’ubucuruzi igabanuwe haricyo byafasha kuko uraka amafaranga Banki mugihe ucyisuganya imisoro iri hejuru ikagukubita. igabanyijwe nayo(Imisoro) byagabanura abantu birirwa munkiko baburana nama Banki barabuze ubwishyu cg za cya Munara zingwate ziba zaratanzwe mugihe cyo kwaka inguzanyo.
Murakoze.
Uyu munyamakuru nahuze content na title. Usomye wahita wemeza ko Minister ibyo yatangaje atari byo. Kuko 89% by’abantarwanda bitandukanye na 89% by’abanyarwanda bakuze.
Uyu mugabo arikubeshya cyane, kuko ashatse kuvugako mu Rwanda hasigaye gusa abantu batagera kuri miliyoni 1,5 badakoresha izo services aha ndaherako abanyarwanda twese ndavuga ababa mu gihugu ko ari miliyoni 12 irenga.Aha rero namwibariza ikintu kimwe.Abarurage batunze konti ndavuga abatunzwe nubuhinzi nabwo butabashije kubatunga bafite konti nibangahe? Niyabonye ibihumbi 100 agurishije itungo ahitamo kubishyira kumweko kuko iyabijyanye muri banki yisanga nyuma y’amezi 3 barayakase.Niba nibibatabishoboye rero sinzi ukuntu Murekezi abara izi 89%.
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