Niba ukunda gufasha abantu kubika amafaranga atari ayawe cyangwa ukayohereza ahandi hantu wibwira ko urimo gufasha mugenzi wawe, inshuti cyangwa umuvandimwe, ushobora kuba ufasha abajura b’amafaranga bifashisha ikoranabuhanga utabizi, kandi ntibikubuza guhanwa n’amategeko. 

Mu gihe ubushakashatsi buheruka bugaragaza ko ibyaha by’ubujura bukorerwa kuri murandasi byagabanyutse mu mwaka ushize wa 2025, imibare yerekana ko hafi 30% by’ubwakozwe bwifashishije konti z’abandi bantu mu kugerageza gusibanganya ibimenyetso.  

Aya mafaranga anyuzwa kuri konti z’abandi bantu bafitiye icyizere abanyabyaha, mu buryo bumwe cyangwa ubundi, bigatuma bigorana gukurikirana abakora ibirari by’amafaranga yibwe, nubwo bidakuraho ko iyo amafaranga akurikiranywe n’uwabafashije birangira atahuwe. 

Ikigo Mpuzamahanga kizobereye mu gukusanya, gusesengura no gutanga amakuru y’imari n’imyenda (TransUnion Africa) kivuga ko abenshi mu bibiwe ku ikoranabuhanga mu 2025 ari abageragezaga kugura ibicuruzwa bitandukanye bifashishije ikoranabuhanga, bigakorwa ahanini bakimara gutanga amakuru yabo bafungura konti ku mbuga zitandukanye.

Imibare itangwa n’icyo Kigo igaragaza ko 1,6% by’ihererekanya ry’amafaranga ryakorwaga n’abaguzi ryakekwagaho kuba ubujura bwifashishije murandasi, rivuye kuri 2,7% ryagaragaye mu mwaka wa 2024. Gusa icyo kigo kigaragaza ko iyo mibare yose iri hasi ugereranyije n’impuzandengo yo ku rwego mpuzamahanga iri kuri 3,8%. 

Gusa nubwo igabanyuka rigaragara ugereranyije imyaka yombi haba mu Rwanda no ku rwego mpuzamahanga, abakora ubujura kuri murandasi bagenda bahindura amayeri bigoye gutahura ashobora kurenga ay’ubwirinzi zashyizweho. 

TransUnion Africa yavuze ko uretse ubujura bucisha amafaranga yibwe ku bandi, ubundi bwibwe ku ikoranabuhanga barimo abagiye bakurwa kuri konti zabo bangana na 24%, kwiba amakuru bwite biri ku kigero cya 22%, kwiba amakuru ya credit cards no gukata abantu amafaranga bataziye irengero byari ku kigero cya 22%, ubukomisiyoneri bwo ku ikoranabuhanga buri ku kigero cya 21% no kwizeza ibitangaza abashomeri byari ku kigero cya 22%.

Kwiyitirira abantu n’inzego na bwo ni ubujura bwibasiye 19%, ubutumwa bugufi bugamije kwiba bwibasiye 15%, gukoresha imbuga nkoranyambaga, imbuga, QR Codes hagamijwe kwiba amakuru y’umuntu byari ku kigero cya 13%, ubutumwa bw’amajwi no guhamagara hagamijwe kwiba amakuru na byo byari kuri 13%. 

Amritha Reddy, Umuyobozi Mukuru wa TransUnion Africa ushinzwe kurwanya no gutahura amayeri y’ubujura bukorerwa ku ikoranabuhanga, yagize ati: “Abohereza amafaranga y’abanyabyaha baba ikiraro gihuza umujura n’uruhurirane rw’ibyaha mu rwego rw’imari. Abenshi babafasha batabizi binyuze mu bushukanyi, bagatuma abanyabyaha bimura amafaranga yibwe batamenyekanye. Mu gihe ibyo bikorwa byiyongera, ubwambuzi bushukana bukomeza guteza akaga gatandukanye ku buryo bitakiri ikibazo cy’abaguzi gusa.”

Yakomeje avuga ko nubwo ibyaha by’ubu bwoko byagabanyutse u Rwanda, uburyo bukorwamo bugenda buhindagurika aho abanyabyaha bibanda ku gukoresha amakuru n’icyizere cy’abantu bakabakoresha mu byaha bitandukanye baca mu byuho by’ahakirimo kubakwa ubushobozi. 

Ni muri urwo rwego Leta y’u Rwanda yashyize imbaraga mu kwihutisha umushinga wo kubaka ibikorwa remezo by’ikoranabuhanga bihuza amakuru y’abantu ari mu Kigo cy’Igihugu cy’Indangamuntu (NIDA) n’ibikorwa byabo bakorera kuri murandasi.   

Kurushaho kunoza amakuru y’umuntu ku giti cye mu ikoranabuhanga ndetse no kuyashyiraho umutekano by’umwihariko ushingiye ku bikumwe n’imboni, byitezweho gufasha kugabanya ibyago by’ubujura bukorwa abanyabyaha biyitirira abandi. 

Nanone kandi ingamba Leta y’u Rwanda yafashe mu guhanga n’ibyaha bikorerwa ku ikoranabuhanga ni zo zikomeza gufasha mu kugabanya ibyo byaha n’ubwo ababigerageza biyongera. 

Ba uwa mbere mu kumenya amakuru agezweho!!!