Hatangijwe uburyo bushya buhendutse bwo kohereza amafaranga
Ikoranabuhanga

Hatangijwe uburyo bushya buhendutse bwo kohereza amafaranga

KAYITARE JEAN PAUL

November 16, 2023

Kuri uyu wa Kane tariki 16 Ugushyingo 2023, Ikigo NALA cyashize ahagaragara uburyo buhendutse kandi bwizewe bwo kohereza amafaranga mu Rwanda.

Ni nyuma yuko NALA yabonye uruhushya rutangwa na Banki Nkuru y’u Rwanda (BNR) ruyemerera gukorera mu Rwanda. Igakora nk’ikigo cy’ubucuruzi cyemerewe gufasha mu kwishyurana no guhanahana amafaranga (Payment Service Provider).

Uru ruhushya ni intambwe nziza mu gutuma NALA igeza ku banyarwanda uburyo bwayo bwizewe kuko amafaranga agera vuba ku wo yohererejwe kandi buhendutse bwo guhanahana amafaranga no kwishyurana binyuze mu ikoranabuhanga kuko nta kiguzi bisaba, bityo bigatuma u Rwanda ruba ihuriro ry’ikoranabuhanga riteza imbere ubukungu.

Umuyobozi ushinzwe ibikorwa muri NALA Nicolai Eddy yagize ati: “Kutwemerera guhuza ikoranabuhanga ryacu n’amabanki ndetse n’ibigo byifashisha ikoranabuhanga mu ihererekanya ry’amafaranga, biratuma tubasha kugira uruhare mu gukemura bimwe mu bibazo abantu ku giti cyabo ndetse n’ibigo by’ubucuruzi bahura nabyo mu ihererekanya ry’amafaranga, cyane cyane iyo hoherezwa amafaranga hanze y’u Rwanda cyangwa ava mu mahanga aza mu Rwanda.

Uru ruhushya ruratuma dutanga ibisubizo mu Rwanda; bisobanuye ko n’urwego rwa serivisi zitangwa buri buzamuke ariko ibiciro bikamanuka.”

Yongeyeho ati: “Twakoranye bya hafi na Banki Nkuru y’u Rwanda kugira ngo tubashe kuzuza ibisabwa ngo duhabwe uru ruhushya. Nka NALA, dushimangiye intego yacu yo gukomeza ubufatanye n’inzego z’ubugenzuzi mu rwego rw’ubukungu mu Rwanda ndetse n’izindi nzego kugira ngo intego igihugu cyihaye zo kubaka ubukungu zigerweho.”

Ubu buryo buzafasha ibigo by’imari kwifashisha ikoranabuhanga (mobile money operators), harimo nko kwishyura ibyaguzwe, kwishyura amafaranga y’ishuri ndetse no kwakira ubwishyu.

NALA yatangiye gukorera mu Rwanda mu mwaka wa 2021 binyuze mu bufatanye n’ibindi bigo. Ubufatanye bwashingiye cyane cyane ku gufasha kohereza amafaranga aturuka hanze ku makonti muri banki no mu bigo by’ikoranabuhanga ryifashishwa telefoni (Mobile Money Wallets)
Kuva muri uwo mwaka NALA yafashije ihererekanya ry’amafaranga inshuro zirenga ibihumbi 10 inafasha ibihumbi by’Abanyarwanda baba mu mahanga (Diaspora), koherereza imiryango yabo iri mu Rwanda amafaranga. Muri iri hererekanya, amafaranga arenga miliyari imwe y’amafaranga y’u Rwanda yohererejwe abantu baba mu Rwanda.

Umuyobozi ushinzwe shoramari muri Rwanda Finance Limited Jean-Marie Kananura, yagize ati: “Ishyirwaho rya gahunda y’ubukungu bushingiye ku ikoranabuhanga (fintech landscape) ndetse no gutuma u Rwanda ruba ihuriro ry’ikoranabuhanga riteza imbere ubukungu bizafasha u Rwanda gukurura ishoramari muri uru rwego ndetse no guteza imbere serivisi z’ubukungu zikenewe ngo u Rwanda rube koko ihuriro ry’ubukungu ku Isi.

Ikoranabuhanga kandi rinatuma serivisi z’ubukungu zirushaho gutera imbere ndetse zikanagera kuri bose. U Rwanda rwihaye intego yo guteza imbere ubukungu atari gusa mu gihugu ahubwo no mu karere ndetse no muri Afurika yose muri rusange. lyi ntego ijya gusa n’iyo NALA yihaye yo gufasha kongera amahirwe y’iterambere ku banyafurika benshi aho bari hose ku Isi”.

Kuva mu mwaka WA 2021, NALA yafashishe ihererekanya ry’amafaranga inshuro zirenga ibihumbi 10 ndetse ifasha ibihumbi by’abanyarwanda baba mu mahanga (diaspora) koherereza imiryango yabo iri mu Rwanda amafaranga.

Imibare ya Banki y’Isi yerekana ko nibura kohereza amafranga muri Afurika bigusaba nibura kwishyura ikiguzi kingana na 9% by’amafaranga wohereje. Ikindi cyagaragaye ni uko bumwe mu buryo busanzweho bwongeraho ikindi kiguzi kiba kitanditswe kugira ngo ubashe kohereza amafaranga; ibituma igiciro cy’iyi serivisi kirushaho guhenda.

NALA, ni sosiyete y’ikoranabuhanga ryerekeye ku bukungu ikorera mu karere k’Afurika y’Iburasirazuba, ikomeje kwagura ibikorwa binyuze mu kwagura aho ikorera, kunoza ikoranabuhanga no guhanga udushya mu rwego w’ubukungu.

Kugeza ubu, ubu buryo bukoreshwa ku mafaranga aturutse mu Bwongereza, Leta zunze ubumwe za Amerika n’Umuryango w’Ubumwe bw’u Burayi yoherezwa muri Tanzania, Kenya, Uganda, Ghana, Rwanda, Cameroon, Cote d’Ivoire na Senegal.

NYIRANEZA JUDITH

TANGA IGITECYEREZO

AMATEGEKO AGENGA IYANDIKA RY'IGITEKEREZO CYAWE

IZINDI NKURU WASOMA