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Banki y’abaturage iravugurura imikorere
Abaturage babitsa muri Banki y’abaturage y’u Rwanda (BPR) barinubira ko iyo Banki imaze iminsi ibaha service mbi, ndetse hakaba n’abavuga ko itakibaha inguzanyo; ubuyobozi bw’iyi banki buvuga ko habayeho impinduka zigamije gukosora ibitagenda neza, kandi ngo amakuru amwe n’amwe usanga ari ibihuha.
Impinduka zivugwa muri Banki y’abaturage y’u Rwanda zishobora kuba zishingiye ku bibazo byayivuzwemo mu minsi ishize, ubwo uwari umuyobozi mukuru Herman Klaassen n’uwari umwungirije Jose Habimana beguraga ku mirimo yabo.
Icyo gihe abagize inama y’ubutegetsi batangaje ko bafashe icyemezo cyo gusezerera Herman Klasssen n’uwari umwungirije mu rwego rwo guhindura imikorere.
Ibyo ariko byabaye bamwe mu bakiliya b’iyi Banki binubira ko basigaye bahabwa service mbi, aho usanga batonda imirongo bakayimaraho amasaha, mu gihe abaka inguzanyo bo bategereza iminsi itari mike ndetse hakaba n’abatayihabwa kandi bujuje ibisabwa.
Umuyobozi mushya w’iyi Banki Paul Van Apeldoorn, atangaza ko barimo kwiga ku ngamba nshya zatuma imikorere ihinduka ikanyura buri wese.
Ku kibazo cy’inguzanyo, Apeldoorn avuga ko bagize abakiriya benshi cyane mu buryo batateganyaga, ku buryo mu kwezi kwa 7 bari bamaze kwakira abasaba inguzanyo barenze abo bateganyaga muri uyu mwaka.
Ibyo ariko ngo ntibyigeze bituma bahagarika gutanga inguzanyo ku bakiriya bayo nubwo bamwe mu baturage batse inguzanyo hari abavuga ko bakuyeyo amaso.
Uwavuganye na Kigali Today ukorera mu isoko rya Kimironko mu mujyi wa Kigali, yanze kuvuga amazina ye ngo kuko adashaka ko byasubira irudubi kandi ateganya ko agize Imana bayimuha.
Yagize ati “Nubwo nsa n’uwamaze kwiheba ndacyategereje. Maze amezi arenga atatu nta cyo bambwira uretse gutegereza sinzi uko bizarangira. Gusa ikimbabaza ni ingufu nataye nshaka ibyangombwa none ntacyo byamariye. Umushinga nari mfite usa n’uwataye igihe”.
Abasobanukiwe n’imikorere y’amabanki bemeza ko hari ubwo biba ngombwa kugabanya umubare w’abafata inguzanyo, bitewe n’uko biba bigoranye kugenzura abantu benshi bafashe inguzanyo icya rimwe, kandi abakozi ba Banki bakaba ari bake ugereranyije n’abakiliya.
Paul Apeldoorn avuga ko bari muri gahunda yo kwegereza ubushobozi abakuriye amashami, akaba aribo bazajya batanga inguzanyo ku bakiriya ba Banki.
Bitewe n’uko icyo gikorwa gisaba ubushishozi, BPR irakora ubushakashatsi bugamije kureba uko iyo gahunda izashyirwa mu bikorwa mu minsi iri imbere.
Uko byagenda kose, ikigaragara ni uko iyo Banki y’abaturage igize akabazo karebana n’imikorere yayo muri rusange, bigira ingaruka ku mubare munini w’Abanyarwanda dore ko iyi Banki ifite abakiriya basaga miliyoni imwe n’igice.
Aba kandi barimo abayingayinga 600.000 bayifitemo imigabane ihwanye na 65%. 35% bisigaye ni byo byaguzwe na Banki yo mu Buholandi yitwa RABOBANK.
Ibi na byo byakuruye amagambo mu baturage, bavuga ko iyi Banki yaguzwe n’abanyamahanga batangiye kubavangira. John Gahakwa ukuriye Marketing n’itumanaho muri BPR, yatangarije Kigali Tiday ko izo ari impuha zidafite ishingiro.
Ati “Nta warusha ijambo abaturage b’Abanyarwanda bafite imigabane muri BPR ingana na 65%. Inama y’ubutegetsi ni rwo rwego rubahagarariye bityo rukaba rufite inshingano zo guharanira inyungu zabo. Rabobank ni umunyamigabane ufite 35% ibindi bisigaye ni iby’abaturage b’Abanyarwanda”.
Banki y’abaturage y’u Rwanda imaze imyaka 37 ivutse, dore ko yatangiye gukora mu 1975. Ubu ifite amashami agera ku 190 hirya no hino mu gihugu, ahuriwemo n’abakiriya basaga miliyoni imwe n’igice.
Yatangiye ari amakoperative atandukanye, aza guhuzwa arema banki imwe y’abaturage ndetse ihinduka Banki y’ubucuruzi kimwe n’zindi zikomeye mu Rwanda.
Christian Mugunga
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Ibyo byose muvuga I Nyamagabe ntakibazo twari tubiziho, Ubu muri uno mwaka batwihereye Manager Izi Icyo akora. Kuburyo ubu mugihe Branch ya Nyamagabe yabereyeho nibwo twari dufite Banki nziza. Uziko noneho twajyaga no munama z’ abaharariye inyungu z’ Abanyamigabane bakatubwira ko Branch Yacu yunguka neza cyane, Ubu ngo yari igeze kumwanya wa 8 mu Rwanda!!! Ubu natwe twari tuziko uno mwaka noneho dushonora kubona Dividende rwose. Cyakora Reka dufatirane bitarakomrra nibyiza kubimenya. Bakozi ba Nyamagabe courage rwose ndabasabye ntimucibwe intege n’ ibi birashira kandi vuba.
Ikinshimishije Ni ukobona abanyarwanda barigushaka Bose uko Banki yabo ikomeza kuba ubukombere. Byiza cyane abafite ubushobozi Byo kuba haricyo mwahindura, please mudufashe. Abakora nabi mubasabe bayidohokemo, Abakora neza mubongerere ubushobozi. Gusa Nibaza aho ibintu byagiye kudogera Board ya BPR iri? Bigaragara neza ko nayo igomba kuba idashoboye!!! And think on it.
Ndebera Uriya ufite ikibazo cya Tenue de Compte za 300, nibadukatese 500 ariko baduhe service nziza, inoze, yiguse urebe ko tugira ikibazo. Gusa BPR kukibazo cy’ Izo Tenue de Compte nabagira inama yo gukora Account Categorization bityo Accounts zimwe zikaba Exonerate, Urugero Amakonti acaho Pension gusa, Abanyeshuri n’ andi, gusa kurwanjye ruhande iri Banki ndayikunda kandi nyibonamo. Bakore harmonization ya stricture na policy yayo Ubu okay. Badufashe ntihagire undi mukozi w’umuhanga uducika. Ahubwo bariya beguye natwe tuge muzindi Banki dushakemo abaho bashoboye tubazane, cg bahe Promotion abasanzwe ariko bashoboye, BNR ibidukorere. Naho ubundi bitubeshya Mwabonyehe aho umunyeshuri yikosora? Baramukosora, NTAWIKOSORA.
Nyakubahwa, Embassadeur Gatete, Niba ubyumva ndetse ukanibona kimwe nanjye nabo duhuje ibitekerezo; turagusabye gira Icyo ukora utabare umutungo w’ abanyarwanda ubitse muri Iyi Banki Yacu tunafitemo ijambo kukigereranyo cya 65% cyane ko uraba icyarimwe itabaye ubusugire by’ ubukungu by’ Igihugu cyacu, bityo dukomeze Kwihesha AGACIRO imbere y’ Amahanga. Bakozi mwagize amahirwe ikigo cya BPR kikabaha akazi kandi ko mwakatse mugakeneye mwaretse gutema ishami mwicayeho!! Gucuruza service bibane ikibazo!!!Kandi mwabishobora mukaba nkiriya Manager wa Ruhango, customer care waho ndetse niyo Ntwari Peter Ubu abakobwa bayobewe Banki arimo. Mugerageze kandi birashoboka ntaryari ryarenga.
BPR Ltd Ntacyo ikibaye ubuye ryagaragaye niriba rikishe isuka, BPR hamwe Igihugu cyacu tubishyize mu inhibit y’ Amasengesho.. Disons igiyeye kwikosora ikore neza kurushaho, kandi birashoboka, hariya Abanyarwanda bajisheyo Ibisaho ntiwababara, idufatiye Runini. Nimuhaguruke tuyirwanirire kandi tuzatsinda. uwavuze ngo yari igeze aho umuntu ayibonamo, welcome and enjoy with your choice, Abakozi icyo nabasaba mwisuzume buri wese kuruhanderwe, kandi mufite ubushobozi n’ impano nimubikoreshe byubake Igihugu cyacu. Please ndabasabye buri wese niyiheshe AGACIRO mubyo ashinzwe, cyane ko mubona ko arimwe abakozi mutungwa agatoki ko arimwe mwisenyeye uruganda!!!!! Please make assessment on your behalf and God help our country.
BPR yakoze byinshi byiza pee, automation aho iri hose, ATMs Machines nyinshi n’ ubwo Zidakora neza, mobile banking, Izi cash, system bakoresha ngo mukwiga dossiers zacredit avance Ubu waraga uyatwaye, kwihutisha transfers za salaire Zacu, nibindi gusa barite abakozi bayo bayivangira pee, nkizo ATM bigaragara ko ari abagomba kuzitaho batabikora neza kuko iyo unabated ko idakora baraza igahira ikora, ukibaza impamvu atari yabikoze mbere. Mobile banking Ubu nayo ntikiduha za SMS, Abashaka kuyifangira batinza dossiers ngo bakunde babashake babahe Ruswa, iyo nabwo ugiye kwibariza bihita bikemuka pee. Gusa bazatubwire impamvu abakozi beza babatwara, wagirango Ni pepiniere ou laboratory yayandi ms Banki??? Uziko buriya fraud de recuritement na Trainings Usumbura gusabga aricyo kintu kibatwara cost nini, byumvikana neza ko ikibazo kiri Top Managers levels. ninabo bakabwe kuba barakoze gestion y’ iyo Ratios yemewe ya Loans ntibe yararenze igipimo none bikaba bigiye gutuma bava ku isoko. Nibaza buri kwezi ntibatanga Financial statements? Nonese nibagira ba Analysists? Nonese ntibagira ba Decision Makers? Reka nisabire HE the President Paul KAGAME akore ibishoboka Iyi Bank Ni iyacu turayikunda ntiduvike, yigashishije BNR nibagire Icyo bakora. Ikifuzo cyange CEO yaba umwana w’ umunyarwanda, kandi yatuzahurira Banki Yacu, Hafi Yacu, Ni ukuri yari igeze aho iryoshye umuntu wese ayiyumvamo, none !!!!!!!!!
Kabisa, Najye ndashima Customer Care Ruhango, atanga service nziza. Tucyiga mu Indangaburezi twajyagayo akadufasha neza Icyo dukeneye akadusobanurira, kabisa Ni umuhamagaro we! Manager waho we akora icyaha cyo kwicisha bugufi cyane, uziko yigeze ajya kunyakira amafranga nsanze hari abantu benshi, Ndi umuscolaire! Imana imuhe umugisha. Uwo muhungu No nyibitseho, uyishaka anshake, yajyaga aduha amafranga ya ticket za FARG ari wenyine na saasitantiyajyaga kurya yanwaga ka Fanta agakomeza agakora. Hari igihe twamuteshaga umuntwe akavuga nabi aritwe tubiteye, none ngo ntakibayo, Reka nze muhamagare. Gusa BPR Njye simbona ko ikora nabi kubijyanye Ni Inguzanyo kuko nta Ruswa, Ni transparence pee, surtout kuri salary advance, Niba muri iyimminsi batari gutanga inguzanyo,ntakibayo udakena. Reka abayahawe twishyure vuba kandi neza ayo tuzajya tuzana bazajya bayaha abatarayabona. Ikibazo Ni uko mbona n’ ubukungu butifashe neza, ubanza ari nimwe mu impamvu ubwo BPR itayarekura nko muminsi ishize. Njye nabumva.
Ewana, Peter wakoraga muruhango courage! Uwo gasore twariganye ari umuhanga cyane, kandi agira koko ikinyabupfura, @ Headmaster NYANGE, Uwo wareze arimo araguhesha ishema. Nanjye nka Nadia No irakenewe. Nzagura!!! BPR ko ndeba igiye kuba nka Rayon mu Rwanda!!! C’ est domage!!!
@ Gakwerere, Ibyo Uvuze niko ziriya Banki zibigenza Naha za Kigali, Rubavu, Rusizi ntiko bigenda. Ziriya bank z’Abanyakenya kugirango zikorere mu Rwanda bizoroheye ziza zibaririza wamukozi ukora neza kandi abakiriya twiyumvamo, kuburyo duhita dukurikira service yaduhaga muri Banki agiyemo, Icyakubwira umubare wabagiye gukurikira uwitwa Jimy. Ubwo Uwo Peter nawe ntubaze. Sinzi impamvu BPR itabibona ko ari ikibazo kuba Banki ziza zishaka abo bakozi bashoboye Umurimo. Se ubundi muri BPR nibaza nta appraisal bakorere abakozi babo bityo bahereye kiriyo bakakenya ukora neza bakamuryamaho, bakaba bamuha na Promotion as motivation, ukora nabi akagawa, Aka yabona demotion. Human Ressource mutwigire kuri iki kintu BPR dukunda itaducika.
Uvuze neza cyane uti " Turabakunda" ubundise tudakunze BPR twakunda indi yihe nitwe twayiyubakire, nitwe twayigejeje aho igeze ureke abo baHollandes haje kutuvangira. None nimuzi umugani twisanganiwe ngo " Ibyaye Ikiboze irakirigata" niyacu ntawakwanga umwana yabyaye, gusa iyo akosheje uramukosora. Buriya iyo tuvanyemo amafranga yacu tukayajyana muyindi Banki ikoraneza, abanyamishahara bakayajyanayo tuba tutabanga ni ukubakosora, tubaba tubasaba ngo muhindure imikorere, mufatire Urugero kuri Izo tuba tuyajyanyemo. Mugerageze.
BPR Ltd, kugirango itere I’mbere inahindure imikorere Ni uko yajya yumva Ibyo abayigana bifuza ikarebako Ntabyo yaheraho ikora impinduka. Urugero: Hari abakozi bayo Usanga barigize ibimana( Mumbabarire Niba Nkoresheje imvugo mbi) kuburyo babiheraho batanga service mbi, biavugwa, ubuyobozi bukabimenya, ntibugire Icyo bubikoraho, abakiriya twabona ntagikozwe tukigira ahandi tukamurekera Agashami ke, doreko kubera imyaka Aba ahamaze baba basigaye barimwitirira bati ngiye muri bank ya Francois. Reba igihe twavugiye ko Runda Taba hari imikorere mibi byarenze Urugero, kugeza na n’ Ubu Muhima ikaba yaratereye agate muryinyo ubwose twakora iki kind kitari ugukuramo ayacu tukayajyana muzindi Banki. Ubu bibutse ibitereko basheshe bizabagora, gusa nibyiza niba bemera ko hari Ibyo bakoraga nabi reka tuzarebe impinduka. Hagati aho @ Rukara Gita Icyo ukora, sinon ibwo hari Icyo muhuriraho, cg nawe ukora nabi ugerenya n’ imikorere yawe ugasanga ahubwo we akora neza kukurenza, umwigiraho. Turabakunda namwe mujye mudukunda.
Abahagarariye inyungu z’ abanyamigabane Niba koko bafite ijambo Muzatubarize impamvu Ruhango ari Sub Branch, kandi ryose ubona ikomeye ifite n’ umutungo pee. Kuba yitwa Sub Branch biha ingufu Ano mabanki ahaza ndetse naza Microfinance zihakorera, Usanga za Finabank, BK, Goshen, iyo ziza kutureshya zizana iturufu ngo bariya ni Sub Branch ntibifatira icyemezo nabo bajya gusaba kuri Branch, bakatubwira ko bo Icyo bakwemereye ntawundi bagisaba bahita bakiguha. Urumva ko barimo challenge. Iyo Ruhango tuyibamo k’ ubwo abakozi bakoramo bavuyemo bazayifunga ntawayisubiramo. Uzarebe umubare wagiye ukuriye ako gahungu abakobwa bavugaga kandi mumezi make kamaze kafirs. Niyo Banki mu Rwanda itakigira umurongo keretse kuwa gatanu gusa, ntumbaze uko byagenze. Nkekako ariyo mpamvu muvuga ngo gishe zose ntikora, bakorere bandese ko Peter ubanza Banki yamutwaye ariyo abo bakobwa bahise bajyamo.