Ikoranabuhanga ryitezweho kuzahura urwego rw’imari mu Rwanda

Mu gihe icyorezo cya Covid-19 cyadukaga mu Rwanda mu ntangiriro za 2020, Guverinoma y’u Rwanda yafashe ingamba zo gukumira ikwirakwira ryacyo, zirimo na gahunda ya Guma mu Rugo mu gihugu hose.

Muri icyo gihe ku isi hose, hatangiye gukoreshwa ikoranabuhanga haba mu buvuzi, mu buhinzi, mu gutwara abantu n’ibintu no mu zindi nzego.

Mu rwego rw’imari, na ho ikoranabuhanga ryakoreshejwe cyane mu kwishyura no kwishyurana, kandi byagaragaye ko rigabanya ibyago byo kuba umuntu runaka yakwibwa.

Mbere y’uko icyorezo COVID-19 cyaduka ku isi, abantu bari basanzwe bakoresha ikoranabuhanga mu kwishyurana cyangwa kohererezanya amafaranga, ariko urugero rwo gukoresha iryo koranabuhanga rwari hasi, ugereranyije na nyuma y’umwaduko w’icyorezo.

Muri Guma mu Rugo, abantu bakoresheje ikoranabuhanga mu gutumiza ibiribwa, imiti, ifumbire n’ibindi, kuko ahenshi ku isi abantu bari bari muri Guma mu rugo.
Mu Rwanda hari amahirwe ko na mbere y’icyorezo, Leta yari yaratangiye gushyiraho ikoranabuhanga mu nzego zitandukanye harimo n’urwego rw’ubukungu n’imari.

Mu gihe cya Guma mu Rugo, rumwe mu nzego nke zasigaye zikora ni urw’imari. Amabanyi yakomeje gukora, ariko abantu bashishikarizwa gukoresha ikoranabuhanga bohererezanya amafaranga.

Uburyo bwo kohererezanya amafaranga butandukanye nka WorldRemit (ikoreshwa cyane n’abohereza amafaranga bari hanze y’igihugu), Mobile Money, Airtel Money n’izindi na zo zakomeje gukora.

Abanyarwanda baba cyangwa babaga mu mahanga, na bo babonye uburyo bwo gukomeza koherereza bene wabo bari mu Rwanda amafaranga yo kubafasha guhangana n’ingaruka zatewe na Covid-19.

Gértrude Mukamusoni, ni Umunyarwanda uba muri Leta zunze Ubumwe za Amerika kuva muri 2016, nyuma yo gutsindira ikarita yemerera umuntu kuba Umunyamerika, izwi nka ‘Green Card’.

Uyu mubyeyi, afasha abo mu muryango we batuye mu Karere ka Gatsibo kubona amafaranga yo kwirwanaho yifashishije WorldRemit.

Muri gihe cy’imyaka itanu yamaze ari muri Leta zunze Ubumwe za Amerika, Mukamusozi yakomeje gufasha abavandimwe be n’inshuti kwiyubaka mu bukungu, akabunganira aboherereza amafaranga.

Ibi byose byashobotse kuko Leta y’u Rwanda yashyizeho ikoranabuhanga mu by’imari, rifasha abaturage kohererezanya amafaranga.

Telefoni zigendanwa hamwe na murandasi, byarafashije cyane muri iri terambere kandi akamaro kabyo kagaragaye cyane cyane mu gihe cya Guma mu Rugo.
Ufashe abaturage 100, usanga batunze telefoni zigera ku 107, bisobanuye ko hari Abanyarwanda benshi batunze telefoni irenze imwe.

Ibi na byo biri mu byatumye igipimo cyo kohererezanya amafaranga mu mu mezi ane ya mbere y’igice cya kabiri cy’icyorezo Covid-19 kigera kuri 450%.

Imwe mu ngingo zatumye iki gipimo kigera kuri ruriya rwego, ni uko binyuze muri Banki nkuru y’u Rwanda, Leta y’u Rwanda yakuyeho ikiguzi cyo kohereza amafaranga.

Ibi kandi byatumye abantu boherereza bagenzi babo amafaranga biyongera, ndetse n’umubare w’abantu batakoreshaga ikoranabuhanga mu kohereza no kwakira amafaranga uragabanuka, kuko abenshi bahise babyitabira.

Mu cyumweru cya mbere cya Guma mu Rugo ya mbere, Abanyarwanda bohererezanyije amafaranga bakoresheje ikoranabuhanga, bageze kuri miliyoni 1 n’ibihumbi 200.
Mu bigo bitanga serivisi zo kohererezanya amafaranga hakoreshejwe ikoranabuhanga, na bo basanze ari ngombwa kugabanya ikiguzi cyo kohererezanya amafaranga.

Urugero nko muri WorldRemit, bo hari ubwo bakuyeho ikiguzi cyose, nk’uko byemezwa na Carine Umurerwa, uyihagarariye mu Rwanda.

Hari ubushakashatsi bwasohowe n’ikigo ‘Finscope’, buherutse gutangaza ko guhera mu mwaka wa 2020, abaturage 93% batangiye gukoresha uburyo bw’ikoranabuhanga mu rwego rw’imari. Intego ni uko mu mwaka wa 2024, uwo mubare uzaba warageze kuri 95%.

Inzego zikora mu rwego rw’imari zemeza ko iyo ntego izagerwaho, kubera imikoranire ya Leta n’izo nzego zirimo n’abikorera n’abikorera.

WorldRemit ivuga ko bazakomeza gufasha u Rwanda n’ahandi bakorera mu guteza imbere ikoranabuhanga mu korohereza abantu kwakira cyangwa kohereza amafaranga, hakoreshejwe ikoranabuhanga.

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