Ubushakashatsi bwiswe Rwanda Portfolios study cyangwa Finscope bwa Visa na AFR buvuga ko kutitabira servisi z’imari biteza umuntu imicungire mibi y’amafaranga ye, aho ashobora kwibwa, cyangwa agatinya kuyabikura aho yagize ibanga, bigatuma ajya kuguza ibyo azishyura ku nyungu irenze iyo yari gusabwa na banki.

Abaturage batitabira kuzigama kandi ngo baratuma ibigo by’imari bitabona amafaranga y’inguzanyo biha abafite imishinga y’iterambere, aho Visa na AFR bisaba ibi bigo gushyiraho ingamba zo kwegera abaturage bataritabira kuzigama mu buryo bugezweho, bikabakangurira guhindura imyumvire.

“Ibigo by’imari cyane cyane imirenge SACCO yo myinshi mu gihugu igomba gufata iya mbere mu bukangurambaga kandi igateza imbere uburyo bushya bworohereza buri wese“, nk’uko Eric Rwigamba uyobora AFR yatangaje, nyuma yo kumurika ubushakashatsi ku wa kabiri tariki 02/4/2013.

Nubwo urugendo rukiri rurerure kugirango servisi z’imari zegere ku baturage 100%, banki zo ngo zirakora ibishoboka byose kugirango abaturage babone aho babitsa cyangwa babikuza hizewe, nk’uko umuyobozi wa Banki ya Kigali, James Gatera yasobanuye nk’uhagarariye abanyamabanki mu Rwanda.

Ashima banki zashyizeho uburyo bunyuranye bwo kwegera no korohereza abakiriya, burimo ibyuma bibitswaho bikanabikurizwaho byitwa ATM, gushyiraho abacuruzi ba servisi z’imari (agents), ndetse n’igabwa ry’amashami ya za banki mu bice bitandukanye by’igihugu.

Ikigo cya Visa cyo kivuga ko hari uburyo bwinshi bwo guteza imbere servisi z’imari zigezweho kandi mu buryo bworoheye buri wese, nko gukoresha amakarita yacyo aho ariho hose ku isi mu kugura no kwishyura servisi n’ibintu binyuranye, hamwe n’ikoreshwa rya telefone mu kubika no kohererezanya amafaranga.

Izi servisi zirimo MTN mobile money, tigo cash, mobile banking, internet banking, e-payment n’izindi.

Mu mwiherero wa 10 w’abayobozi bakuru b’igihugu warangiye muri week end ishize mu kigo cya Gabiro mu ntara y’Uburasirazuba, bemeje ko ubukungu bw’u Rwanda bugomba kuzamuka ku kigero cya 11.5%, buvuye ku 8%.

Iki kigero ngo buzagikesha ahanini kwitabira servisi z’imari kwa benshi, nk’uko Umunyabanga uhoraho muri Ministeri y’imari n’igenamigambi, Kampeta Pichette Sayinzoga yatangaje.

The Portofolio of Rwanda study ishimangira ko mu Rwanda hari amahirwe menshi yo kuzamura ubukungu bw’igihugu, ishingiye ku bikorwaremezo bihagije, ubushake bw’abaturage mu kwizigamira ndetse n’isoko rinini kuko ngo habura servisi n’ibintu byinshi cyane.

Gusa ngo hakenewe ko abaturage benshi bagira iby’ibanze nk’inzu yo kubamo, isambu yo guhingamo n’inka itanga ifumbire, amata n’inyama; ariko nanone bakagira ubuzima bwiza, bakirinda amakimbirane mu ngo hamwe n’ibiyobyabwenge.

Ubu bushakashatsi ngo bwakorewe ku bantu 59 bava mu miryango 40 iri hirya no hino mu gihugu, bukaba bwarakozwe n’inzobere mpuzamahanga zo mu bigo bya Bankable Frontier Associates na Ntare Insights, buyobowe n’uwitwa Daryl Collins.

Simon Kamuzinzi