ASA ni ikigo cy’imali (Microfinance) kiri ku isoko ry’imali n’imigabane rya London mu Bwongereza.

Gifite amashami menshi mu bihugu bitandukanye, kikagira icyicaro gikuru mu Buholandi. Mu Rwanda kihafite amashami 37 n’abakiliya basaga 60,000 mu gihugu hose.

Iyi ntambwe ifatwa nk’iy’ingenzi mu rugendo rw’iki kigo rwo kwagura serivisi z’imari gitanga no kurushaho kugeza serivisi z’imari ku Banyarwanda benshi.

Abitabiriye uyu muhango bagaragaje ko kongera amahirwe yo kwizigamira binyuze mu bigo by’imari byemewe bizagira uruhare mu guteza imbere ubukungu bw’igihugu no kongera umubare w’Abanyarwanda bagerwaho na serivisi z’imari zizewe.

Umuyobozi Mukuru wa ASA International (Rwanda) Plc, Christian Salifou, yavuze ko guhabwa uruhushya rwo kwakira ubwizigame ari indi ntambwe ikomeye mu mateka y’ikigo, nyuma y’imyaka irenga icumi gifasha ba rwiyemezamirimo bato n’abaciriritse kubona inguzanyo.

Yagize ati: "Uyu munsi dutangiye icyiciro gishya cy’urugendo rwa ASA mu Rwanda. Kwakira ubwizigame bizadufasha gutanga serivisi z’imari zuzuye kandi zegereye abakiliya bacu, bityo turusheho gushyigikira iterambere ryabo n’iry’ubukungu bw’igihugu."

Yashimangiye ko kuba bakoraga mu buryo bwo gutanga inguzanyo gusa ariko ubu bakaba bahawe n’uburenganzira bwo kwakira ubwizigame bizabafasha kugeza kubaturage serivisi z’imari hirya no hino mu Rwanda.

Ati: “Buri faranga rizigamwe uyu munsi rifungura amahirwe y’ejo; yaba ayo kwagura ubucuruzi, kwishyurira abana amashuri, guhangana n’ibibazo bitunguranye cyangwa gushora imari mu mibereho myiza y’umuryango. Twishimiye gutangiza iyi serivisi binyuze mu mashami yacu ya Kimironko na Kicukiro. Dufite gahunda yo kuyigeza buhoro buhoro mu mashami yacu yose ari hirya no hino mu gihugu, kugira ngo Abanyarwanda benshi babashe kubona serivisi z’imari zizewe hafi y’aho batuye n’aho bakorera.”

Gérard Mpyisi, Umuyobozi wungirije w’Inama y’Ubutegetsi ya ASA International (Rwanda) Plc, yavuze ko itangizwa ry’izi serivisi ari intambwe ikomeye izafasha kongera amahirwe y’abaturage yo kubona serivisi z’imari zibegereye. Ati: "Uyu munsi ni intambwe ikomeye kuri ASA Rwanda.

Twiyemeje gukomeza gutanga serivisi z’imari zegereye abaturage, by’umwihariko abagore, urubyiruko n’abacuruzi bato, kugira ngo tubafashe kwagura ibikorwa byabo no guteza imbere imibereho y’imiryango yabo. Twizeye ko ubufatanye n’inzego zitandukanye buzadufasha kugira uruhare rufatika mu iterambere ry’ubukungu bw’u Rwanda."

Uwaje ahagarariye Banki Nkuru y’u Rwanda, Mushimirwa Clarisse, akaba ari Umuyobozi w’Ishami rishinzwe Ubugenzuzi bw’Ibigo by’Imari Iciriritse muri Banki Nkuru y’u Rwanda yavuze ko uru ruhushya rwatanzwe nyuma y’uko ASA yujuje ibisabwa n’amabwiriza agenga ibigo by’imari byakira ubwizigame.

Yashimangiye ko kwagura umubare w’ibigo bitanga serivisi zo kubitsa amafaranga ari kimwe mu bifasha kwimakaza ikoreshwa rya serivisi z’imari mu Rwanda. ati: "Twizeye ko ASA izatanga serivisi zizewe kandi zujuje ubuziranenge, zigafasha abaturage kwizigamira bafite icyizere ndetse zikagira uruhare mu kongera ubwisungane mu rwego rw’imari."

Abakiliya ba ASA na bo bagaragaje ko serivisi nshya zizaborohereza gucunga neza amafaranga yabo. Umwe mu bakiliya ba ASA, Ingabire Florence, yavuze ko kuba ashobora kubona inguzanyo no kwizigamira mu kigo kimwe bizamworohera mu guteganya ibikorwa bye.

Ati: "Twari dusanzwe twungukira ku nguzanyo za ASA, ariko kuba ubu dushobora no kubitsa amafaranga yacu hano ni amahirwe azadufasha kwizigamira no kwagura ibikorwa byacu twizeye umutekano w’ubwizigame bwacu."

Gutangizwa kwa serivisi zo kwakira ubwizigame muri ASA International (Rwanda) Plc bibaye mu gihe u Rwanda rukomeje gushyira imbaraga mu kongera umubare w’abaturage bagerwaho na serivisi z’imari.

Raporo zitandukanye zirimo FinScope Rwanda 2024 zigaragaza ko Abanyarwanda bakomeje kwitabira serivisi z’imari ku rwego rwo hejuru, aho abarenga 90% bakoresha nibura serivisi imwe y’imari yaba itangwa n’amabanki, ibigo by’imari, ibimina cyangwa serivisi z’ikoranabuhanga rikoreshwa mu ihererekanya ry’amafaranga.