Yitabye urukiko ku itariki ya 18 Ugushyingo 2016.

Iyo porogaramu yo mu bwoko bwa “core banking system” niyo ituma ibikorwa bya buri munsi nko kubitsa, kubikuza no kwishyura inguzanyo bikorwa mu buryo bwo kuri interineti (online) mu mashami yose ya COPEDU.

Iyi banki ifite abakiliya babarirwa mu bihumbi 60 yarezwe na ADFINANCE iyishinja kuba imaze amezi arenga arindwi ikoresha porogaramu yayo kandi nta masezerano bagifitanye.

Ubundi buri banki cyangwa ikigo cy’imari kiba gifitanye amasezerano n’ikigo cy’ikoranabuhanga, kiyitiza porogaramu ya mudasobwa baba bakoresha mu buryo bw’amasezerano y’igihe cy’umwaka, ariko ahora avugururwa uko umwaka utashye.

Mu gihe impande zombi zitumvikanye, rumwe muri izo zombi rushobora kuyasesa, maze gukoresha iyo porogaramu ya mudasobwa bigahita bihagarara.

Muri 2008 nibwo ADFinance na COPEDU byagiranye amasezerano yo guhererekanya iyo porogaramu ya ADBANKING.

Ni porogaramu yakozwe n’Umunyarwanda akaba ari na we nyirayo ndetse ikaba ikoreshwa mu bihugu bitandukanye byo muri Afurika.

Banki ikoresha iyo porogaramu yishyura nyirayo amamiliyoni. Ariko ngo muri 2015 COPEDU yahuye n’ibibazo byo kutishyurira igihe nyir’iyo porogaramu kuko hari habaye impinduka mu miyoborere yayo bakayiha umuyobozi mushya.

Byatumye umwenda COPEDU yari ifitiye ADFinance wiyongera ugera kuri miliyoni 48RWf.

Kubera ubwumvikane bucye bari bamaranye igihe kirenga amezi atandatu, ADFINANCE yahaye integuza COPEDU mu ntangiriro za Gashyantare 2016, iyimenyesha ko izasesa amasezerano hagati muri Mata 2016.

Ibyo byahaga COPEDU igihe kingana hafi n’amezi atatu kugira ngo yitegure ishake indi porogaramu ikoresha.

COPEDU irashinjwa ubushimusi bwa porogaramu (Hacker)

Nyuma y’uko itariki yo kurangiza amasezerano igeze nyamara COPEDU igakomeza gukoresha porogaramu yayo, ADFINANCE yaje kugeza ikirego mu nzego z’ubutabera zirimo urwego rwa Polisi rushinzwe iperereza (CID), Parike ya Republika n’urukiko rw’ ubucuruzi rwa Nyarugenge.

Mu nyandiko ADFinance yagejeje mu nkiko, iravuga ko bishoboka ko COPEDU yaba yarakoresheje uburyo bwa magendu (hacking) kugira ngo ikomeze gukoresha porogaramu yayo nyuma y’uko igihe yagenewe cyo guhagarara kigera.

Ibyo byatumye Polisi y’igihugu hamwe n’ubushinjacyaha batangira iperereza kuri icyo kirego.

Magingo aya ubushinjacyaha bukaba bwaramaze gushyiraho impuguke zidafite aho zibogamiye zigomba kuyifasha kumenya uburyo COPEDU yaba igikoresha porogaramu kandi igihe yahawe na nyirayo cyararangiye.

Tariki ya 18 Ugushyingo 2016 ubwo urukiko rw’ubucuruzi rwagombaga gusuzuma ibimenyetso byatanzwe n’ababuranyi, haje kugagaragara ko ikibazo nyamukuru ari ukumenya niba Porogaramu ADBanking ikoreshwa na COPEDU yihagarika, cyangwa itihagarika nyuma y’uko igihe cyagenwe n’amasezerano kirangira.

Me Barahira Eric na Me Kayitana Jean Damascène baburanira COPEDU bo bemezaga ko iyo progaramu yakomeje kwikoresha ntacyo umukiliya wabo abikozeho.

Me Barahira agira ati “Porogaramu ntiyigeze yihagarika kandi umukiliya wanjye nta bushobozi afite bwo kuyihagarika.”

Me NSENGIYUMVA Abel uburanira ADFINANCE yemezaga ko porogaramu y’umukiliya we yihagarika iyo igihe yahawe kigeze.

Agira ati “Kuba itarahagaze ni uko COPEDU yakoze igikorwa cya piratage (magendu), yinjira muri porogaramu itari iyayo kugira ngo ikomeze gukora nyuma y’igihe yagenewe.”

Nk’uko byatangajwe n’uhagarariye ADFINANCE ashingiye ku nzandiko umukiriya we yagiranye n’abahagaririye ubushinjyacyaha, hari inzobere zigenga zasabwe n’uhagarirye ubushinjacyaha ku rwego rwisumbuye rwa Nyarugenge gukora iperereza kuri icyo kibazo.

Hagamijwe kumenya niba harabaye kwinjira muri porogaramu no kuyihindura ngo ikomeze ikore ku buryo bunyuranyijwe n’amatekegeko.

Nyuma yuko umucamanza abaza impande zombi niba zemera ko urukiko rwabanza rugasuzuma iyo raporo hanyuma rugakomeza kuburanisha urubanza mu mizi, ababuranyi bombi bemeye iyo ngingo, maze umucamanza asoza avuga ko urubanza arwimuriye ku itariki 02 Ukuboza 2016.

ADFinance yahise isaba COPEDU guhita ihagarika iyo porogaramu, ndetse inasaba ko COPEDU yayishyura umwenda wose iyibereyemo kandi ikishyura igihe cyose yamaze iyikoresha itabifitiye uburenganzira.

Icyo amategeko abivugaho

Itegeko (organic law) No 01/2012/OL ryo ku wa 02 gicurasi 2012 rihana ibyaha bishingiye ku kwiba porogaramu za mudasobwa n’ibindi byaha bishingiye ku kuvogera ibihangano by’abandi ndetse rigasobanura neza ibyo byaha ibyo ari byo.

Ingingo ya 306 y’iryo tegeko ivuga ku gukoresha “system” ya mudasobwa y’undi muntu ntaburenganzira abiguhereye cyangwa ikindi gikoresho cy’ikoranabuhanga, iteganya igifungo kuva ku mezi atandatu kugeza ku myaka ibiri

Hiyongeraho amande y’ibihumbi kuva kuri 500RWf kugeza kuri miliyoni 2RWf cyangwa kimwe muri ibyo bihano.

Naho ingingo 314 ikavuga ko umuntu washyize muri mudasobwa ye porogaramu yibwe cyangwa ikindi gikoresho gisa na yo, ahanishwa igihano cy’igifungo cyo kuva ku myaka 3 kugeza ku myaka 5, n’ihazabu y’amafaranga ari hagati y’ibihumbi 300RWf kugeza ku bihumbi 500RWf.

Ingingo ya 315 ikavuga ko ibi bihano bitangwa mu gihe uwakoze iki cyaha yagejejwe mu butabera agahamwa n’ibivugwa mu ngingo zavuzwe hejuru.

ADFinance ni Ikigo cy’Ikoranabuhanga cyashinzwe muri 2007 kikaba gifite icyicaro gikuru i Kigali. Gitanga ubufasha ahanini mu bigo by’imari iciriritse.

Iki kigo kinafasha amashami ya SACCO agera kuri 400 mu bihugu bitanu, birimo Ibirwa bya Komore, Burkina Faso n’u Burundi.

Mu gihe ibyinshi mu bigo by’imari iciriritse byafunguriye rimwe na COPEDU Ltd, byafunze imiryango, COPEDU yakomeje gukora neza no muri 2012 ifungura imiryango kuri buri wese ushaka kuyiguramo imigabane.

Icyo gihe ababarirwa mu bihumbi 12966 bahise baguramo imigabane ihinjiriza miliyoni 790,156, 800 FRW nk’umugabane w’ifatizo.