Ikiganiro n’umugore uyobora Banki ikomeye mu Rwanda… Diane KARUSISI

* Ni umwe mu bagore bafite imyanya ikomeye cyane mu gihugu
* Kwiga kugera kuri PhD no kugera ku mwanya ariho ngo birashoboka no ku bandi
* BK igabanya inyungu ku nguzanyo ku bantu bakorana neza nayo
* 53% by’abakozi ba BK ni abagore/abakobwa

Ku mvugo no ku maso ni umuntu woroheje, ucishije bugufi kandi wakira neza abamugezeho, mu buryo bwihuse, butagoranye ariko mu nzira zagenwe, umuyobozi wa Banki ikomeye mu Rwanda yakiriye Umuseke kuri uyu wa mbere….

Diane KARUSISI yize ubukungu kugera ku rwego rw’ikirenga, afite “PhD” muri “Quantitative Economics” yarangije mu 2009 muri Kaminuza ya Fribourg mu Busuwisi aho kandi yanabaye umwalimu.

Mu Rwanda, mbere yo kugirwa umuyobozi wa Banki ya Kigali mu ntangiriro z’umwaka ushize, yakoze imirimo inyuranye nk’umuyobozi mu kigo cy’igihugu cy’ibarurishamibare no mu biro by’umukuru w’igihugu. Diane ni umugore wubatse.

Ibibazo n’ibisubizo

Umuseke: Muyoboye Banki imaze imyaka 50, ni igihe kinini, umusanzu wayo ku gihugu ni uwuhe?

DK: Nibyo koko imyaka 50 ni igihe kirekire, muri icyo gihe cyose BK yagiye itanga umusanzu ku gihugu ariko cyane cyane mu myaka 20 ishize, iyo urebye mu mateka ya BK niho twagize ibihe byiza no gukura no gufasha igihugu cyacu.

Muri icyo gihe hagiye hazamo gukoresha ikoranabuhanga cyane, tukagerageza kuba ku isonga muri izo mpinduka, twagiye dukura, {ubu} dufite amashami 80 mu gihugu hose, dufite aba Agents {BK Agents} barenga 1 000, twakoze ibishoboka kugira ngo abakiliya bacu babone Serivisi hafi yabo bishoboka.

Hari ibintu byinshi twagiye tugeraho, ubu dufite abakozi barenga 1 000 hirya no hino mu gihugu, n’ubu turi ku isonga mu mabanki yose kandi dufasha n’abaturage mu byo bashaka kugeraho, iyo bashaka kugura inzu, iyo bashaka kugura imodoka cyangwa bashaka kuguza kugira ngo bohereze abana mu mashuri.

Icyo dukangurira abanyarwanda ni ukwizigamira, ubu twashyizeho uburyo butuma babona inyungu mu kwizigamira kwabo kuburyo bashobora kuzakoresha amafaranga yabo bageze muzabukuru cyangwa bayakeneye mu yindi gahunda yabo.

Ubushize twumvise ko BK ishaka kwaguka ikajya no mu mahanga, bigeze he?

DK: Ubu dufite ishami muri Kenya, ariko iyo branch ntabwo ikora nka Bank ngo yakire amafaranga, ni ishami ridufasha mu rwego rwa ‘relationships’ kuko hari abashoramari benshi bava hariya. Ishami ryacu ridufasha gukomeza kuturebera impinduka ziri mu isoko ku buryo twakomeza gutera imbere.

Dufite ingamba zo kwagura amashami yacu akajya n’ahandi mu bindi bihugu  ubu ntabwo birakunda ariko mu myaka iri imbere turashaka kujyana serivisi zacu no mu mahanga kuko u Rwanda rufite isura nziza cyane, abantu bose bagana serivisi zitangwa n’abanyarwanda bavuga ko ari nziza.

Ikizere rero ni ikintu gikomeye cyane muri Banking kandi twumva icyo kizere twakigira n’ahandi ku batugana muri izi servisi.

Abagana banki bavuga ko inyungu ku nguzanyo iri hejuru, BK muteganya kuyimanura?

DK:Ntabwo ari ukugabanya inyungu ahubwo hari gahunda dufite,  iyo tubona umuntu dukorana imyaka myinshi nta kibazo twagiye tugirana hari ukuntu tugenda tubagabanyiriza inyungu kubera ko tubona ari abantu bafite business zikora neza.

Ariko ntabwo bivuze ko tuzagenda tugabanyiriza abantu bose kuko {hari}abantu ubona bafite ‘risks’ nyinshi.

Ariko hari abantu tumaranye iminsi bakora neza, bafite ingwate zigaragara kandi bakora neza business zabo, abo nibo tujya tugabanyiriza inyungu ariko nanone natwe amafaranga tuyavana muri deposit z’abantu bashyira muri Bank, ntabwo rero twagabanya inyungu tudafite ayo mafaranga, iyo abantu rero bafite business igaragara ko bayicunga neza kandi bakorana na Bank tureba ukuntu tubagabanyiriza inyungu ku nguzanyo.

BNR iheruka gutangaza ko ubukerererwe ku kwishyura inguzanyo bwazamutse, muri BK bihagaze bite?

DK:Byagaragaye cyane umwaka ushize mu 2016 aho ubukerererwe ku nguzanyo bwiyongereye kandi ntabwo ari muri BK gusa n’ahandi hose byarabaye.

Ibarurishamibare ryerekena ko business itari ihagaze neza cyane nko mu myaka yayibanjirije kandi biragaragara muri Bank n’abantu batuganaga bashaka inguzanyo baragabanutse ugereranyije n’uko byari bimeze.

Kubera ko business itari ihagaze neza n’ifaranga ryataye agaciro ibyo byose byatumaga business itamera neza hakaba rero ubukerererwe mu kwishyura inguzanyo. Ariko BNR iradufasha cyane mu kurangiza iki kibazo.

Mwatubwiye aho mugeze mu myaka 50 ishize, imbere ho BK irateganya iki?

DK:Hari ibintu  byinshi yenda abakiliya bacu bataramenya, uyu mwaka wose tuzawukoresha kwereka abakiliya bacu ibyo dukora. Hari na gahunda nyinshi zo gufasha umuryango nyarwanda dufite nka BK.

Hari business y’ubwishingizi twatangiye, abantu benshi ntabwo barayimenya turashaka nayo kubereka ko ihari. Hari indi business y’ikoranabuhanga nayo nshya yitwa BK TecHouse.

Icyo dushaka kwereka abanyarwanda ubu ni uko BK ari ikigo gikomeye gitanga servisi z’imari, ariko mu myaka iri imbere turashaka ko tuba cya kigo umuntu wese ushaka kuzigama, ushaka gukora ishoramari cyangwa servisi zose zijyanye n’imari atugana tukayimuha neza kandi dushyize imbere ikoranabuhanga.

Twashyize ishoramari rihagije mu ikoranabuhanga kuko turashaka gukomeza kuba ku isonga mu ikoranabuhanga no muri servisi z’imari zitandukanye.

*Kuba ariwe uyobora Banki ikomeye mu Rwanda bivuze ko byose bishoboka…. 

Mu Rwanda, abagore mu by’amabanki bahagaze bate?

Abagore mu Rwanda bahawe ijambo u Rwanda rwifashe neza ku isi mu bihugu biteza imbere abagore, no muri Banking ntabwo twasigaye inyuma, iyo Leta itanze gahunda buri gihe na private sector irakurikira.

Iyo urebye muri Banking mu Rwanda nko ku nzego z’ubuyobozi hari Banki eshatu ziyobowe n’abagore (BK, Cranes, ECOBANK) kandi nkwatwe iyo urebye no mu yindi mirimo nk’abayobozi b’amashami (Branch managers) mu gihugu ahenshi ni abagore.

Reka mbahe nk’urugero mu bafata ibyemezo hano muri ‘Executive team’ aha ni abayobozi bakuru ba BK, igizwe n’abantu batandatu harimo abagore batatu. Muri bakozi bose ba BK abagore nibo benshi kuko bangana na 53%, iyo urebye rero mu mirimo henshi abagore n’abakobwa nibo benshi.

Ibi rero bizana umwuka mwiza ku kazi kuko buriya abagore mu bintu bya ‘risks’ ni abantu bo kwizera kuko ntabwo bapfa gufata imyanzuro nko gutanga inguzanyo batarebye neza abo bagiye kuziha, bituma tugira ‘balance’ nziza muri business yacu.

Abagore rero bafite uruhare rukomeye muri BK no mu buyobozi bwayo kandi njyewe mbona aribyo byatumye BK ikomeza kuba ku isonga kubera ko abagore batejwe imbere.

Abagore bayoboye Banki, batwara indege, barubaka…twavuga ko bihagije uburinganire bwagezweho?

Oya, aho tugeze ni heza ariko haracyari ahantu tugomba gushyiramo ingufu nko mu byaro, kugira ngo abagore bakomeze gutera imbere.

Iyo tureba mu bakiliya bacu akenshi muri business usanga abagabo bakiri benshi.

Rero dufite gahunda yo  kwakira abagore kugira ngo tubafashe kuzamuka muri Business zabo kugira ngo batere imbere kugira ngo n’abana bacu bazabone ko ari ibisanzwe umugore nawe yakora business.

Wowe wize kugera ku rwego rwo hejuru, wabwira umwana w’umukobwa uri ahantu runaka mu Rwanda ko wagize amahirwe cyangwa ni umuhate?

Byombi birimo, nk’ubu mu Rwanda Leta yaduhaye amahirwe yo kwiga kugira ngo dutere imbere ariko harimo no kwihata.

Leta ishobora kuguha amahirwe n’ababyeyi bakaguha amahirwe ariko wowe ntushake gukomeza cyangwa ugashaka gukora ibintu byoroheje gusa.

Icyo nshaka ko abakobwa bato babona ni uko amahirwe  bayafite ariko bagomba gushyiraho akabo kugira ngo bige neza barangize amashuri yabo, ibintu byose birashoboka.

Nko kubona ko umugore ariwe uyobora banki ikomeye mu Rwanda nibaza ko bibabwira ko ibintu byose bishoboka, rero ntibacike intege muri byose bakora bumve ko ibintu byose bashobora kubigeraho.

Reba ikiganiro na Diane Karusisi hano:

Photos © Evode MUGUNGA/UM– USEKE

UM– USEKE.RW