Abanyarwanda 4% babika amafaranga mu ihembe

Raporo yiswe FinScope yakozwe na Minisiteri y’Imari n’Igenamigambi (MINECOFIN) muri 2024, ivuga ko Abanyarwanda bangana na miliyoni 7 n’ibihumbi 800 bahwanye na 96%, bacitse ku muco wo kubika amafaranga mu ngo, kuko bitabiriye gukoresha serivisi z’imari.

Iyi raporo ikorwa buri myaka ine yatangajwe ku nshuro ya gatanu kuri uyu wa Kane tariki 20 Kamena 2024, ikaba yarakozwe na MINECOFIN ifatanyije n’inzego zirimo Banki Nkuru y’u Rwanda (BNR), Ikigo cy’Ibarurishamibare (NISR), hamwe na Access to Finance Rwanda (AFR).

Iyi raporo ivuga ko mu Banyarwanda bagejeje nibura ku myaka 16 y’amavuko, hasigaye abagera kuri 4% bahabwa amafaranga mu ntoki bakayabika mu rugo (ibyo bita kubika mu ihembe).

FinScope y’uyu mwaka ivuga ko ubwitabire bwa serivisi z’imari bwazamuwe no gukoresha Mobile Money/Airtel Money, aho abantu baba babitsa, babikuza cyangwa bishyura ibyo baguze hakoreshejwe telefone.

MTN Mobile Money na Airtel Money ubwabyo byihariye 86% by’Abanyarwanda bakoresha serivisi z’imari, n’ubwo harimo n’ababikoresha kugira ngo bagere kuri konti zabo muri banki.

Guverineri wa Banki Nkuru y’u Rwanda, John Rwangombwa, avuga ko abenshi mu bataritabira gukoresha serivisi z’imari ari abagore n’urubyiruko batarabona amafaranga yo kubika muri banki, bitewe n’uko nta mirimo bafite, bakaba na bo bagomba gufashwa kubona igishoro.

Guverineri Rwangombwa agira ati “Aba bantu batagerwaho na serivisi z’imari bafite icyuho mu byabafasha guteza imbere ubuzima bwabo, abafite hagati y’imyaka 16-17 ni bo benshi, baracyari abanyeshuri.”

Ati “Banki Nkuru y’u Rwanda twashatse gufasha abagore kugerwaho na serivisi z’imari kuko hari icyuho hagati yabo n’abagabo, dukoresheje iyo miyoboro twashoboye kubona abagore barenze ibihumbi 8, ariko tukabaha n’amafaranga make batangiriraho, ni izo ngamba twashyizeho kugira ngo abo 4% babashe kugerwaho na serivisi z’imari.”

Umuyobozi Mukuru w’Ikigo Access to Finance Rwanda, Jean Bosco Iyacu, na we yizeza ubuvugizi ku bantu basaba inguzanyo kuri Mobile Money/Airtel Money, kugira ngo bazajye bafata menshi ashobora kubafasha kugura inzu cyangwa ibindi bintu bihenze, cyane ko iki kigo ngo cyishingira abadafite ingwate.

Mu mbogamizi bamwe bagaragaje zituma hari abatitabira kunyuza amafaranga yabo kuri Mobile Money cyangwa kuri konti muri Banki, hari ikiguzi gihanitse cyo kubikuza no kohererezanya amafaranga cyane cyane hagati ya telefone n’indi.

Umuyobozi wa gahunda z’Ishyirahamwe rishinzwe kurengera inyungu z’Umuguzi (ADECOR), Paul Mbonyi, arabaza impamvu kubikuza amafaranga ku cyuma cya ATM cyangwa kuyahabwa muri banki, uko yaba angana kose, baca umuntu amafaranga atarenze 300Frw, ariko byaba kubikuza cyangwa kohereza akoresheje Mobile Money bakamuca akayabo.

Mbonyi ati “Nibaza impamvu nohereza amafaranga ibihumbi 180, ngiye kwishyura cyangwa nyahaye mugenzi wanjye, nkishyura ikiguzi cya 1,500Frw, guhererekanya amafaranga ibiciro biri hejuru, njyewe najya kohereza miliyoni eshanu gute muri bunyishyuze ari zo mushingiyeho, nzemera nkodeshe taxi voiture nyashyire uwo nendaga kuyoherereza.”

Mbonyi avuga ko kohereza cyangwa kubikuza amafaranga kuri Mobile Money, byagakwiye gushingira ku gikorwa cyakozwe aho gushingira ku ngano y’amafaranga.

Minisitiri w’Intebe, Dr Edouard Ngirente, mu kwemeza Raporo ya FinScope y’uyu mwaka, yavuze ko Abanyarwanda bose bagomba guhabwa serivisi z’imari ku kiguzi kiboroheye kandi zikaba zigomba gusubiza ibibazo bafite.