Hari raporo nyinshi zemeza ko u Rwanda ari kimwe mu bihugu bya Afurika bifite ubukungu bushingiye ku ikoranabuhanga kandi buri butera imbere.
Bishingiye ku izamuka rikomeye ry’ubukungu, gukoresha serivisi z’imari zikoresha ikoranabuhanga ririmo no guhererekanya amafaranga kuri telefoni (Mobile Money) n’ibindi.
Mu gihe igihugu gikomeje kwinjira mu cyiciro gishya cy’iterambere, ikibazo gikomeye si ukongera gusa umubare w’abagerwaho na serivisi z’imari, ahubwo ni ukureba ko izo serivisi zibafasha kubona amahirwe afatika yo kwiteza imbere, haba ku miryango yabo, kuri ba rwiyemezamirimo ndetse n’ibigo by’ubucuruzi.
Ubushakashatsi bwa TransUnion Consumer Pulse Study (CPS) bwakozwe mu gihembwe cya mbere cya 2026 bugaragaza ko Abanyarwanda bakomeje kugira icyizere ku hazaza h’imibereho yabo mu by’imari, ariko bugaragaza ko hakenewe kongerwa uburyo bwo kubona inguzanyo n’izindi serivisi z’imari zibafasha kuva ku rwego rwo gukoresha serivisi z’imari gusa bakagera ku rwego rwo kuzibyaza umusaruro mu kwiteza imbere.
Abagera hafi kuri bane muri batanu (76%) mu babajijwe bavuga ko biteze ko amafaranga binjiza aziyongera mu mezi 12 ari imbere, mu gihe abandi 16% bavuga ko amafaranga yabo azakomeza kuba uko ari.
Byerekana ko abaturage bagifitiye icyizere icyerekezo cy’ubukungu bw’u Rwanda, nubwo abo baturage, bemeza ko ari ngombwa kwitwararika mu micungire y’imari yabo bitewe n’ibibazo by’ubuzima bwa buri munsi.
Nubwo hari icyizere ku bukungu, ingengo y’imari y’imiryango myinshi iracyugarijwe n’ibibazo.
Kimwe cya kabiri cy’ababajijwe (50%) bo bavuze ko bakeka ko bashobora kutazabasha kwishyura neza umwenda bafite.
Benshi muri bo bavuga ko bazagerageza kubikemura bishyura amafaranga make make ku mwenda, bagakoresha amafaranga bizigamiye cyangwa bagashaka indi mirimo y’igihe gito ibinjiriza.
Ubushakashatsi bugaragaza ko ibi bidasobanura ko abaturage batakaje icyizere, ahubwo ko bari guhindura uburyo bacunga amafaranga yabo kugira ngo bahangane n’imihindagurikire y’ubukungu.
Abagera kuri 34% bavuga ko bagabanyije amafaranga bakoreshaga ku bintu bitari ngombwa mu mezi ashize, mu gihe abandi bakomeje gushyira imbere amafaranga akoreshwa muri serivisi z’ikoranabuhanga n’ibindi bintu bifitanye isano n’imibereho ya buri munsi.
Ibi byerekana ko nubwo abantu bitondera amafaranga bakoresha, bakomeje kwitabira ubukungu bushingiye ku ikoranabuhanga bugenda bwaguka mu Rwanda.
Umuyobozi Mukuru wa TransUnion Rwanda, Didier Mutabazi ati: “U Rwanda rwateye intambwe ishimishije mu kugeza serivisi z’imari n’ikoranabuhanga ku baturage benshi. Ariko kwinjizwa muri serivisi z’imari si intego irangirira aho, ni urugendo. Intambwe ikurikiyeho ni ugufasha abaturage kuva ku gukoresha serivisi z’ibanze bakabona ibicuruzwa na serivisi z’imari bibafasha kwihangira imirimo, gutunga umutungo no kubaka ubushobozi bwo guhangana n’ibibazo by’imari mu gihe kirekire.”
Ubushakashatsi bugaragaza ko kubona inguzanyo ari kimwe mu bintu by’ingenzi abaturage bifuza kugira ngo bagere ku ntego zabo z’imari.
Nubwo hafi ya bose (98%) bavuga ko inguzanyo ari ingenzi mu kugera ku ntego zabo z’imari, 42% gusa ni bo bumva bafite amahirwe ahagije yo kubona izo serivisi.
Ibi byerekana ko hakiri icyuho kinini hagati y’abifuza inguzanyo n’abazibona, bitewe n’impamvu zirimo ubushobozi bwo kuzishyura, ibisabwa kugira ngo umuntu ahabwe inguzanyo, amakuru make ku mateka y’imari y’abasaba inguzanyo ndetse n’uko hari ibicuruzwa by’imari bitajyanye n’ibyo abaturage bakeneye.
Mu nguzanyo zifuzwa cyane harimo izo gukemura ibibazo byihutirwa (Personal Loans) n’inguzanyo zo kwishyura amashuri (Student Loans), bigaragaza ko abaturage bakeneye ibisubizo bibafasha gukemura ibibazo by’ako kanya no gushora imari mu hazaza.
Nubwo umubare w’abakoresha serivisi z’imari ukomeje kwiyongera, abaturage barifuza ibicuruzwa byinshi by’imari bibafasha kugera ku iterambere rirambye.
Ibi bisobanura ko kwinjizwa muri serivisi z’imari bitakigarukira ku kuba umuntu afite konti cyangwa ashobora kubona inguzanyo y’igihe gito, ahubwo bikwiye kumufasha kubona ubushobozi bwo gushora imari mu burezi, guteza imbere ubucuruzi, kugura umutungo no kugira uruhare rusesuye mu iterambere ry’ubukungu bw’u Rwanda.
Mutabazi yongeyeho ati: “Raporo yacu igaragaza ko abaturage basobanukiwe akamaro k’inguzanyo kandi bashaka uburyo bwo kuzamura imibereho yabo. Ibi bisaba ko abafatanyabikorwa bose banoza uburyo amakuru y’imari akoreshwa, kongera ikizere mu ikoranabuhanga, gufasha abaturage gufata ibyemezo byiza no kubaka ubufatanye butuma iterambere rigera kuri bose.”
Muri raporo ivugwa aha, hashimangirwa ko kubaka urwego rw’imari rwizewe ari ingenzi kugira ngo abaturage bakoreshe serivisi z’imari bafite ikizere, bazigereho byoroshye kandi babashe kubyaza umusaruro amahirwe atangwa n’ubukungu bushingiye ku ikoranabuhanga.
Ibi bizagerwaho binyuze mu gukoresha amakuru yizewe ku buryo bwagutse, gutanga inguzanyo mu buryo buboneye no kongera ibicuruzwa na serivisi z’imari bifasha ubucuruzi n’abaturage bose kugira uruhare mu iterambere ry’ubukungu.
Ubushakashatsi bwa TransUnion Rwanda Consumer Pulse Survey bwakorewe ku bantu 259 bafite imyaka 18 kuzamura, hagati y’italiki 10 Gashyantare niya 09, Werurwe, 2026.
