Politiki y’ubukungu budahererekanya amafaranga mu ntoki igeze he?

Minisiteri y’Ikoranabuhanga no Guhanga Udushya igaragaza ko hakiri imbogamizi ijyanye n’imyumvire ya bamwe mu banyarwanda ku ishyirwa mu bikorwa ry’ubukungu budahererekanya amafaranga mu ntoki (Cashless Economy).

Gahunda yo guhererekanya amafaranga hakoreshejwe ikoranabuhanga iracyafite imbogamizi z
Gahunda yo guhererekanya amafaranga hakoreshejwe ikoranabuhanga iracyafite imbogamizi z’abatazi gusoma no kwandika ndetse n’abadakorana n’amabanki

Iyo politiki iri muri gahunda ya Leta y’ u Rwanda yo guteza imbere ikoranabuhanga, aho biteganyijwe ko mu gihe kigera ku myaka itanu iri imbere, (ni ukuvuga muri 2024), Abanyarwanda bazaba bagenda nta mafaranga mu ntoki, ahubwo ko bazajya bakoresha ikoranabuhanga rya Cashless.

Leta yatangiye gushyira ingufu muri iyo gahunda kuva muri 2018. Ni gahunda iteganya ko nta muntu uzongera kugendana amafaranga mu ntoki, ndetse ko ibikorwa byose byo kwishyura no kwishyurwa amafaranga bizajya bikoreshwa ikoranabuhanga.
Hari bamwe babona ko ubwo buryo buzaba ari bwiza ariko ngo imbogamizi ziracyari nyinshi.

Abakunda guhaha bagaragaza ko bikiri imbogamizi kubona aho bashobora kwishyura badatanze amafaranga mu ntoki, dore ko haba hari abakoresha telefoni cyangwa amakarita mu kwishyura ariko abo bagannye nta buryo bwabugenewe bafite. Ibi birasaba ko abacuruzi na bo babisobanukirwa kuko hari abatarabyumva.
Umuturage witwa Muzindo waganiriye na Kigali Today yagize ati “Urebye hari ubwo uba ushaka kugura nk’isabune, isukari se, agatabi, cyangwa utundi tuntu, wagana muri butike umucuruzi akakubwira ko ashaka amafaranga mu ntoki, wamubwira ko ukoresha telefoni mu kwishyura, akagusubiza ko bimugora mu kujya kubikuza”.

Hari n’abagaragaza ko bigoranye kuri bamwe gukoresha ubwo buryo bwo guhererekanya amafaranga hakoreshejwe ikoranabuhanga, harimo abatazi gusoma no kwandika.

Uwitwa Ruvaga Anastase asanga kuba hari benshi batazi gusoma no kwandika, kandi uburyo bwa Cashless busaba ko umuntu aba abisobanukiwe, ari imbogamizi.

Ati “Iyi gahunda isaba kwishyura amafaranga ukoresheje ikoranabuhanga irashoboka pe ko yagerwaho mu Rwanda, ariko inzira iracyari ndende kuko urebye hari bamwe batazi gusoma no kwandika, hakaba n’abataramenya akamaro ko kubitsa muri banki”.

Ubukungu bw’igihugu bwaba bwiza kurushaho mu gihe abantu bishyuranye hakoreshejwe ikoranabuhanga, aho gukoresha amafaranga nk’uko biteganywa muri gahunda ya Leta y’imyaka itanu (2018-2024) ko kwishyurana bizaba bikorwa muri ubwo buryo.

Leta y
Leta y’u Rwanda iteganya ko uburyo bwo guhererekanya amafaranga hifashishijwe ikoranabuhanga buzaba bugeze ku rwego rushimishije muri 2024

Minisiteri y’Ikoranabuhanga igaragaza ko mu rwego rwo gushyira mu bikorwa iyi gahunda hari byinshi byakozwe nko gukwirakwiza umuyoboro wa interineti uca munsi y’ubutaka (fibre optique) umaze gushyirwa ku burebure bwa kilometero ibihumbi birindwi (7000km).
Ikindi kigaragaza ko iyi gahunda izashoboka ni uko kuri ubu abakoresha telefoni zigendanwa bagera kuri 99% barimo abakoresha interineti yo ku rwego rwa 3G na 4G bari kuri 95% byabakoresha interineti. Ni mu gihe abakoresha serivise zo kwishyura no kubitsa amafaranga hakoreshejwe telefoni bageze ku kigero cya 65% by’abatunze telefoni.

Remy Habimana u shinzwe ubucuruzi bukoresha murandasi( Postal & e-commerce specialist) muri Minisiteri y’Ikoranabuhanga agaragaza ko hakiri imbogamizi kugira ngo iyi gahunda igerweho neza.

Agira ati “Ikibazo gihari ni uko abacuruza batumva uburyo bwiza bwo gukoresha cashless, kuko baracyifuza gukomeza gufata amafaranga mu ntoki, kandi n’abaguzi ntibari bumva icyiza cyabyo.”

“Ikindi kibazo ni kuri ariya mafaranga baca ukoresheje ikarita, nko kuri mobile POS turi kureba uko yajya nibura kuri 1% y’amafaranga yakoreshejwe”.

Kuva iyi gahunda y’imyaka itanu (2018-2024) yo gukangurira Abanyarwanda kuba bazajya bakoresha ikoranabuhanga mu byo bakora byose birebana n’amafaranga (E-Transaction) haba kwishyura no kwishyurwa, Minisiteri y’Ikoranabuhanga mu itumanaho na inovasiyo igaragaza ko mu mwaka 2018 abakoreshaga telefoni zigendanwa mu kwishyura amafaranga biyongereyeho 18.3%, naho abahererekanya amafaranga bakoresheje telefoni biyongereyeho 16,89%.

Ni mu gihe abiyandikishije kujya babitsa amafaranga kuri telefoni bakorana n’amabanki biyongereyeho 53,7%, naho abohererezanyije amafaranga hagati ya telefoni na banki biyongeraho 11,03%. Abakoresha amakarita yo kubitsa no kubikuza biyongereyeho 56,6%. Amabanki yinjiye muri ubu buryo bwa e - transaction ni cumi n’imwe mu Rwanda.

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