Uwanze kwishyura MoKash na we ari muri ba bihemu bambuye Banki

Kuva mu myaka ibiri ishize, serivisi za Mobile Money z’ikigo cy’itumanaho MTN zatangiye kwamamaza uburyo abakiriya bacyo bashobora kwiguriza amafaranga guhera ku gihumbi (1,000frw) kugera ku bihumbi magana atatu (300,000frw).

Ikirango cya MoKash
Ikirango cya MoKash

Abacuruzi b’amafaranga ya MoKash batangarije Kigali Today ko kugeza ubu iyi serivisi imaze kwitabirwa n’Abanyarwanda barenga miliyoni imwe n’ibihumbi 300.

Umurerwa Marie Solange utuye ku Gisozi mu Mujyi wa Kigali, ni umwe bakunze gusaba inguzanyo ya MoKash, akaba avuga ko mbere y’umwaduko w’iyi serivisi yajyaga asaba abantu amafaranga hakabamo abamwumvira ubusa ntibayamuhe.

Ati “Ubu byaroroshye nkanda kuri telefone mu masegonda make amafaranga nkaba ndayabonye ngahita mpaha cyangwa nkayoherereza uwo nshaka niyicariye mu rugo, kandi ngomba kwihutira kwishyura iryo deni kugira ngo n’ubutaha bazangirire icyizere”.

“Ikibazo cyo gutinda k’umushahara ntacyo kikimbwiye kuko MoKash yaragikemuye, iyo ntarawubona nifashisha MoKash nkaba nigurije ayo kuba nishyuriye umwana amafaranga y’ishuri”.

Mu kwezi kwa kabiri(Gashyantare) k’umwaka wa 2017 nibwo banki y’Abanyakenya yitwa ‘Commercial Bank of Africa(CBA)’ yaje gukorera mu Rwanda idafungura amashami ahubwo yahise yisunga MTN maze ihinduka imwe muri serivisi zigize Mobile Money.

Ubusanzwe Mobile Money ifasha abaturage kubitsa amafaranga kuri telefone, kugura no kwishyura zimwe muri serivisi(nk’imisoro, amazi, umuriro w’amashanyarazi, ibyangombwa bitandukanye bitangwa n’inzego za Leta, kugura amayinite yo guhamagara, ndetse no koherereza umuntu amafaranga).

Umukozi wa CBA ushinzwe abakiriya, Maurice Akheem agira ati “Twaje twifuzaga ko abaturage babitsa amafaranga kuri Mobile Money mu buryo bwunguka, kuko usanga hari ababikijeho amafaranga menshi atababyarira inyungu”.

Ikinyuranyo kinini hagati y’inyungu ya Banki n’inyungu y’umukiriya

Iyi banki ivuga ko yungukira umuntu wabikije kuri MoKash amafaranga angana na 7% by’ayo afiteho buri mwaka, kandi buri mezi abiri igahora imuzamurira urugero rw’ayo uwo mukiriya wayo na we ashobora kwiguriza.

Ku rundi ruhande ariko, umuntu wafashe inguzanyo ya Mokash we asabwa kuyishyura mu gihe kitarenze iminsi 30 (ukwezi kumwe) yongeyeho inyungu ya 9%.

Umukozi wa CBA ushinzwe abakiriya, Maurice Akheem agira ati “N’ubwo waba wafashe iyo nguzanyo mu gitondo, nimugoroba urajya kuyishyura wongeyeho 9%, bivuze ngo niba wagurijwe amafaranga 10,000frw uraza kwishyura 10,900frw”.

Umuturage twahisemo kwita Semuhungu kuko yanze ko amazina ye ya nyayo atangazwa, avuga ko iyi nyungu ya CBA ikabije cyane agereranyije n’iyo abakiriya bunguka cyangwa amwe mu mabanki yo mu Rwanda.

CBA isaba umuntu wafashe inguzanyo ya Mokash adashoboye guhita yishyurira icyarimwe, kwishyura make make kugira ngo iminsi 30 izagere yayishyuye yose.

Uko bigendekera umuntu warengeje ukwezi atarishyura inguzanyo ya MoKash

Uwarengeje ukwezi akinjira mu kwa kabiri atarishyura, atangira kubarirwa inyungu ikubye kabiri amafaranga y’inguzanyo yafashe (bivuze ngo uwafashe 10,000frw azayishyura yongeyeho 1,800frw).

Iminsi 60 iyo irangiye umuntu atarishyura inguzanyo ya MoKash, abakozi ba CBA ngo baramuhamagara bakumva ikibazo yagize bakamugira inama.

Uwabashije kwishyura make make ku nguzanyo yafashe, umwenda asigaranye ni wo ukomeza kubarirwa.

Nyuma y’umunsi wa 90 (amezi atatu) atarishyura umwenda, icyizere umuntu yari afitiwe kiragabanuka, ku buryo n’iyo yakwishyura yose atakongera guhabwa inguzanyo ingana n’iyo yari amaze kugeraho.

Hagati aho amafaranga yose umuntu abikije kuri Mobile Money mu gihe afite umwenda wa Mokash, yose ahita ava kuri konti ye ako kanya kugeza ubwo umwenda wose azawishyura ukarangira.

CBA ikomeza isobanura ko umuntu uyifitiye umwenda urengeje amezi ane(iminsi 120) ahita atangwa mu kigo gishinzwe kugenzura umwenda abantu bafitiye amabanki mu Rwanda(CRB) agashyirwa ku rutonde rwa ba bihemu.

Akheem agira ati “Kuva icyo gihe tukubara nka bihemu n’ubwo uba ugifite amahirwe yo gukomeza kwishyura, ariko nta handi ushobora gusaba inguzanyo na hamwe ngo uyihabwe utarishyura MoKash, kabone n’ubwo waba usigaranye umwenda w’ifaranga rimwe”.

Avuga ko hari abantu CBA imaze gushyirisha ku rutonde rwa ba bihemu ariko akaba yirinze gutangaza umubare wabo n’amafaranga bafitiye iyi banki.

Kwimwa akazi n’izindi serivisi za Leta mu gihe wambuye banki

CBA ivuga ko idashobora guteza cyamunara imitungo y’umuntu wayiheraniye amafaranga, bitewe n’uko ntaho aba yarahuriye na yo ngo bumvikane ku masezerano y’inguzanyo yahawe.

Nyamara mu barenga 1,300,000 kugeza ubu bamaze kwitabira MoKash, ngo harimo n’abamaze kugera ku rwego rwo guhabwa inguzanyo y’amafaranga 186,000frw.

Akheem arahakana amakuru y’uko gufata inguzanyo ya Mokash byaba byarahombeje banki ya CBA, aho agira ati “Ibi ni ibihuha ndetse ni n’ubwa mbere mbyumvise, MoKash ntizigera ihagarika gukora”.

Avuga ko mu bihugu nka Kenya, Uganda, Tanzania na Côte d’Ivoire abamaze kwitabira gufata inguzanyo ya MoKash ari miliyoni zirenga 50 z’abaturage, nyamara CBA ngo ntiragera ku rwego rwo guhomba kubera kwamburwa.

Ati “Erega ahantu isi irimo kugana ntabwo wavuga ko bizakorohera guherana amafaranga ya banki, kuko bizagera ubwo ujya gusaba serivisi ku Irembo cyangwa mbere y’uko abantu baguha akazi bazajya babanza kureba ku rutonde rwa CRB niba nta mwenda ufitiye banki, muri Kenya ho birakorwa”.

Ibibazo bikunze kubaho mu gusaba cyangwa kwishyura inguzanyo ya MoKash

Umukozi wa CBA akomeza asobanura iby’ikibazo cy’uko hari igihe umuntu yishyura inguzanyo ya MoKash ariko agakomeza kwakira ubutumwa bumubwira ko agifite umwenda.

Akheem agira ati “Ibi ntabwo ari ibintu bibaho cyane ariko hari igihe umuntu yohereza amafaranga ayakura kuri Mobile Money yagera kuri Mokash agasanga izo serivisi zidakora biturutse wenda ku mpamvu z’itumanaho ryahagaze”.

“Buri munsi dukora igenzura twasanga hatariho guhura kw’amafaranga yavuye kuri Mobile Money n’ayageze kuri Mokash, turakwandikira tukagusaba kongera gusaba ya serivisi itashobotse”.

“Mu gihe waba utagifite ya mafaranga kuri Mobile Money nabwo uhamagara serivisi za MTN kuko turakorana, bahita bohereza kuri MoKash ya mafaranga yavuye kuri Mobile Money atatugezeho”.

Mu by’ingenzi CBA ivuga ko birebwa kugira ngo umuntu ahabwe inguzanyo ya MoKash harimo kuba akunda kohereza no kwakira amafaranga kuri Mobile Money, kuba hari serivisi yishyura hakoreshejwe mobile money, ingano y’amafaranga akoresha mu guhamagara abantu ndetse no kuba akoresha internet.

Inkuru bijyanye:

Ubu ushobora kuguza kugeza ku bihumbi 300RWf na Mobile Money

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ALIAS yanditse ku itariki ya: 8-07-2019  →  Musubize

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