Ushobora kuba uri ‘Bihemu’ warashyizwe ku rutonde rw’abambuzi utabizi

Izina ‘Bihemu’ rimenyerewe cyane ku bantu bahawe umwenda muri Banki bagatinda kuwishyura, ariko kugeza ubu ibigo byakwita umuntu ‘Bihemu’ ntabwo ari banki gusa.

Umuntu utarimo kwishyura neza imisoro muri ‘Rwanda Revenue Authority’ cyangwa ufite ideni rya MTN na Airtel, cyangwa utishyura umuriro w’imirasire wa Mysol na Bboxx, amazina ye ashobora kuba yarashyizwe mu Kigo cy’Ihererekanyamakuru ku myenda (TransUnion Rwanda Ltd) bakunze kwita CRB.

Mu magambo arambuye CRB bisobanura ‘Credit Reference Bureau’ cyangwa Ibiro byitabazwa mu kureba niba umuntu hari aho yafashe umwenda/inguzanyo.

Na none umufatabuguzi w’Ikigo gishinzwe Amazi, Isuku n’Isukura (WASAC) utarishyuye imwe muri fagitire y’amazi, cyangwa ufitiye ideni ikigo cy’Ubwishingizi, uwo ntashobora kugira ahandi yasaba inguzanyo ngo ayihabwe, ndetse ngo aba ari no gukurikiranwa mu zindi nzego.

Ikigo cy’Ihererekanyamakuru ku myenda TransUnion Rwanda Ltd kivuga ko ibigo byose bifite abakiriya bishyura nyuma yo guhabwa serivisi cyangwa ibicuzwa runaka, byemerewe kucyiyambaza kugira ngo inzego zose zirimo n’iz’umutekano zitangirire hafi.

Umuyobozi w’Agateganyo wa TransUnion Rwanda (CRB), John Kabera, avuga ko kugeza ubu hari ibigo byinshi bakorana kugira ngo abatishyura neza imyenda bajye bamenyekana.

Muri byo hari ibigo by’Imari (Amabanki, za SACCO, Microfinance, Mobile Money, Airtel Money, Mocash), ibigo by’ubwinshingizi, ibicuruza umuriro w’imirasire, ibigo by’itumanaho bigira abafatabuguzi b’amayinite yo guhamagara na Internet byishyurwa ku kwezi.

Hari n’ibigo bicuruza uburyo bwo gutwara abantu n’ibintu, ibicuruza serivisi z’ibanze nka WASAC, Ikigo cy’Imisoro n’Amahoro na Minisiteri y’Ubutabera ishinzwe gukurikirana abambuye Leta.

Kabera avuga ko TransUnion itanga amakuru yitwa “Credit Score” yaba meza cyangwa mabi bitewe n’uko umuntu arimo kwishyura neza umwenda yahawe, bigatuma ashobora kwemererwa cyangwa gukumirwa kuri serivisi zitandukanye agomba guhabwa n’inzego za Leta cyangwa ibigo byigenga.

Kabera agira ati “Iyo umuntu yafashe inguzanyo cyangwa umwenda ntawishyure waba uw’ikigo cy’imari cyangwa ikindi aho batanga serivisi zabo ku ideni, iyo icyo kigo cyayobotse CRB bigakorana, icyo gihe ayo makuru aba ashobora kuboneka mu ikoranabuhanga rya CRB, akaba ari yo akubuza kubona serivisi ahandi.”

Uyu muyobozi wa TransUnion avuga ko kugeza ubu umuntu ufite umwenda utarimo kwishyurwa kubera amakuru yatanzwe na CRB, uretse kuba atemerewe indi nguzanyo ahantu hose ayisabye, ngo agera ubwo ajyanywa mu nkiko cyangwa akagurishirizwa ibye kugira ngo habanze hishyurwe wa mwenda.

Kabera akomeza avuga ko hari n’ubwo umuntu ajya gusaba ibyangombwa nka pasiporo agakumirwa na CRB, ndetse ko hari n’abajya gusaba akazi bashobora kutagahabwa kubera kugira umwenda utishyurwa.

Umuntu wifuza kuba umwajenti wa MTN, Airtel, banki cyangwa ikindi kigo icyo ari cyo cyose afite ‘credit score’ itari nziza muri CRB, ntabwo ashobora kwemererwa gukora uwo murimo, nta n’ubwo yafunguza konti ya Mobile Money cyangwa muri banki iyo ari yo yose.

Kugira ngo umuntu amenye ko nta mwenda afite muri banki cyangwa mu bindi bigo, byaba ibya Leta n’ibyigenga, akanda muri telefone ye *707# agakurikiza amabwiriza.