Ubuyobozi bwa Banki nkuru y’igihugu butangaza ko buri mwaka bufata icyumweru cyo kwegera abaturage no gukemura ibibazo bafite n’ibigo by’imari.

Muri 2024 ihuriro rya banki nkuru y’igihugu n’ibigo by’imari bakemuye ibibazo 1000, ubu aho bari gukorera mu karere ka Rubavu na Rutsiro bizeye ko bazahura n’abandi bafite ibibazo by’imari bigakemuka.

Ngendahayo Martin utuye mu murenge wa Rubavu mu Karere ka Rubavu avuga ko muri 2018 yafashe ibikoresho by’umurasire muri Mobisol ariko akaza kunanirwa kuwukoresha iki kigo gisubirana ibikoresho byacyo ariko yashyizwe muri CRB ahinduka bihemu ntiyongera kugira aho afata inguzanyo.

Agira ati “banyanditseho umwenda wa miliyoni n’ibihumbi 300 birenga, nyamara ibikoresho bari barabisubiranye, aho ngiye gufata inguzanyo bakambwira ko ndi muri CRB kubera umwenda nafashe. Negereye ikigo cya Mobisol kinsaba kwishyura umwenda kandi bari barasubiranye ibikoresho byabo. Ni ibintu byanshyize mu gihombo kuko byambujije kugira ahandi mfata inguzanyo.”

Uretse Ngendahayo hari abandi baturage benshi bagiye bashyirwa muri CRB kandi bararangije kwishyura umwenda bafashe muri banki. Hari abandi bashyizwe muri CRB batazi impamvu, ubu bakaba badashobora kubona inguzanyo mu gihe babaza ibigo by’imari impamvu byabashyize muri CRB bakabura ibisubizo.

Angelique Uwituze ushinzwe abakiriya muri TransUnion avuga ko ikigo akorera kibika amakuru y’ibigo by’imari kandi ayo makuru akusanywa n’ibigo by’imari, bityo kuba umuntu aba muri CRB bidaterwa n’iki kigo ahubwo biterwa n’abatanze amakuru.

Agira ati “abantu bajya muri CRB bitandukanye kuko amakuru akusanywa n’ikigo cy’imari bakorana, iyo umuturage amaze kwishyura hagombye gutangwa amakuru ko yamaze kwishyura ariko hari ibigo bitinda kuvugurura amakuru bigatuma umuturage afatwa nk’ufite umwenda kandi yararangije kwishyura.”

Angelique Uwituze asaba ibigo by’imari kujya bivugurura amakuru y’abakiriya babo mu kwirinda kubashyira aho batagombye kuba.

Agira ati “tubika amakuru y’ibigo by’imari, wisanga muri CRB kuko wahawe inguzanyo, niba warafashe inguzanyo ukayishyura wisanga muri CRB kuko twahawe amakuru niyo banki wafashwemo inguzanyo, iyo wishyura cyangwa warangije kwishyura niyo igomba kuduha amakuru y’uko ugenda wishyura cyangwa warangije kwishyura.”

Akomeza agira ati “Duhora twakira abaturage baje kutureba badusaba kubakura muri CRB, icyo dukora duhamagara ikigo cyaduhaye amakuru, ikigaragara ni uko ikigo kiba kitaratangiye amakuru ku gihe.”

Asaba ibigo by’imari gukoresha ikoranabuhanga bagatangira amakuru ku gihe kuko iyo amakuru adatanzwe bisiragiza umuturage bitari ngombwa.

Kimenyi Valence umuyobozi ushinzwe guteza imbere urwego rw’imari muri Banki nkuru y’igihugu avuga ko hashyizweho urubuga rwitwa Intumwa chatbot kugira ngo rufashe abafite ibibazo mu bigo by’imari gukemuka, ariko byagaragaye ko hari abandi batazi kurukoresha bityo bituma hashyirwaho gahunda yo kwegera abaturage.

Agira ati “umwaka ushize twatangije iyi gahunda yo kuva mu biro, hamwe n’ibigo twahaye ibyangombwa bigera kuri 500 iyo dushyizemo umurenge sacco, buri kigo kiduha umuntu, umwaka ushize twakemuye ibibazo 1000, iyo tudahaguruka ibibazo 1000 ntibyari gukemuka.

Ubu aha turi Rubavu turajya mu nteko z’abaturage tujyane n’ibigo by’imari muri Rutsiro na Rubavu kandi baradufasha gukemura ibibazo, uyu munsi twahagurukijwe no kwegera abadashobora kutugezaho ibibazo cyangwa bigerere ku kigo cy’imari na BNR.”

Akomeza avuga ko CRB ifite itsinda rikemura ibibazo by’abaturage hakoreshejwe Intumwa chatbot ariko hari abatazi kuyikoresha.

Agira ati “Iyo ushyize ikibazo kuri Intumwa chatbot, BNR n’ibigo by’imari turabibona twese tugahita tugikurikirana kigakemuka ariko turi hano kugira ngo dufashe abadashobora gukoresha ikoranabuhanga mu kutugezaho ibibazo”

Ubusanzwe ikigo TransUnion kizwi nka CRB kibika amakuru y’abantu bakorana n’ibigo by’imari. Iyo ikigo kigiye gutanga inguzanyo ku muntu gishakira makuru y’umukiriya muri CRB kireba niba asanganywe inguzanyo, niba izo yafashe yishyura neza n’uko ahagaze mu gukorana n’ibigo by’imari.

Amakuru y’umukiriya mu gukorana n’ibigo by’imari agera kubakoresha cheque itazigamiye, n’abandi. Ibi byorohereza ibigo by’imari mu kumenya abo bakorana, ndetse bakabona n’abatanga cheque zitazigamiye.

Kimenyi Valence avuga ko ikibazo cy’abakorana n’ibigo by’imari bashyirwa muri CRB ntibakurwemo kiboneka henshi mu Rwanda, agasaba abaturage kuba inyangamugayo.

Agira ati “niba ufashe inguzanyo muri banki yikoreshe icyo wateganyije kugira ngo utazananirwa kwishyura kandi wubahiriza amasezerano wakoze na banki.”

Akomeza agira ati “ ikindi ni byiza ko umuturage amenya amakuru CRB imufitiho niba ari ukuri, yaba ataboneye agakosorwa. Icyo dusaba abaturage ni ukuba inyangamugayo, bakirinda gutanga cheque itazigamiye kuko cheque si ingwate, niba udafite amafaranga kuri konti witanga cheque.”

Kimenyi Valence asaba ibigo by’amari bikorana nayo kubika amakuru y’abakiriya anoze, haba hari afite ikibazo bakayakosora kuko banki zigenzurwa kandi isanzwe itayakosora irahanwa.

Bamwe mu bantu bashobora kwisanga muri CRB ndetse bagafatwa nka bihemu harimo abantu batishyura imisoro mu kigo cy’imisoro n’amahoro “Rwanda Revenue Authority”, ufite ideni rya MTN na Airtel, cyangwa utishyura umuriro w’imirasire wa Mysol na Bboxx.

Umufatabuguzi w’Ikigo gishinzwe Amazi, Isuku n’Isukura (WASAC) utarishyuye imwe muri fagitire y’amazi, cyangwa ufitiye ideni ikigo cy’Ubwishingizi, nawe ashobora gufatwa nka bihemu ndetse ntiyemererwe kugira ahandi yasaba inguzanyo ngo ayihabwe.

Cyakora umuntu ashobora gukoresha telefoni ngendanwa akareba niba amakuru amwanditseho muri CRB akoresheje #707# agakurikiza amabwiriza akabona amakuru CRB imufiteho haba harimo ikibazo akayakosoza.