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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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nibyo mwashyizeho ikoranabuhanga mu kubikuza ariko se ko ntaburyo mwashyizeho butuma umukiriya wanyu amenya igikozwe kuri compte ye aha ndavuga amafaranga agiyeho n’avuyeho.mwari mwarashyizeho BPR Mobile Money umuntu akabona msg kuri phone ye none ntibikiriho.ubwo murabona ikoranabuhanga ryanyu ritarutwa n’agatabo ko nibe nako umuntu yarebaga udufaranga twanditse mu gatabo ke?
nibyo mwashyizeho ikoranabuhanga mu kubikuza ariko se ko ntaburyo mwashyizeho butuma umukiriya wanyu amenya igikozwe kuri compte ye aha ndavuga amafaranga agiyeho n’avuyeho.mwari mwarashyizeho BPR Mobile Money umuntu akabona msg kuri phone ye none ntibikiriho.ubwo murabona ikoranabuhanga ryanyu ritarutwa n’agatabo ko nibe nako umuntu yarebaga udufaranga twanditse mu gatabo ke?
Ibya Nyamabuye ni agahomamunwa twarumiwe babahindure rwose niba bishoboka. ariko n’ariya 300frw yaburi kwezi ni ubujura kugutwara amafranga waba wahageze cg utahageze mbese aho kukungukira wowe urabungukira tekereza badusubize imigabane yacu cg bahindure imikorere muzabatugerezeho ibi bitekerezo.
ikibazo cyayo ni uko iterura ngo ibwire abakiliya ko yarangije gutanga inguzanyo, igakomeza ikakira amadosiye banyirayo bamaze kwishyura amafaranga ya dosiye kdi bazi neza ko batazayiguha. BNR ikwiye kurengera abakiliya biyi Bank, kuko Banki idatanga inguzanyo ntaterambere iba ikigeza ku gihugu. Ikindi ni uko uko barushaho gutinda, niko umushinga uta agaciro, ndetse n’agaciro k’umushinga kagahinduka bitewe n’uko kwisoko bihagaze.
BPR ikora nabi rwose murebe ishamo rya Nyamabuye abakozi bashinzwe gutanga cledit barica bagakiza utabahaye icya cumi ubwo ukurayo amaso twibaza impamvu batanabahindura ugasanga umuntu amaze imyaka icumi kuri poste anakora nabi ,murubabarire muduhindurire abo bakozi bitabaye ibyo abanyamishahara turigira muyandi ma banki atadusuzugura
Icyo nakwibutsa BPR, ni uko bakwibuka ko iyo wasinye contrat n’umunyamuryango, ntushyire mu bikorwa ibikubiye mu masezerano ashobora kukurega! Ubwo rero muzirikane gukemura ikibazo cy’abo mwamaze gusinyana nabo contrat bitazavaho bijya mu nkiko bikabatera ingorane kandi n’izo mufite zitaboroheye!
BANKI IHAGARITSE GUTANGA INGUZANYO IBA IFITE IBIBAZO BY’IMIKORERE MIBI KUKO HARI PLAFOND BATAGOMBA KURENZA NIBA BYARAGENZE UKO RERO BIRASABA LES TECHNICIENS BABIZI SI NON BANQUE IZAHOMBA IRINDUKE KABISA
Tumaza iminsi tubwirwa ko BPR yahagaritse gutanga inguzanyo,mwatubwira ni ryari muzongera gutanga inguzanyo ku ba Client ba BPR