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Abohererezanya Amafaranga Mu Ikoranabuhanga Baragirwa Inama

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Muri iki gihe guhererekanya amafaranga bisigaye bikorwa kenshi hakoreshwa ikoranabuhanga ariko hari n’abandi barikoresha kugira ngo bibe amafaranga y’abandi. Mu rwego rwo kwirinda ubu bujura, ni ngombwa ko abantu bamenya uko bakwirinda guha icyuho abo bajura.

Kubera ko hari abantu boherereza abandi amafaranga akabageraho hakoreshejwe uburyo bwa WorldRemit, ni ngombwa ko abayakira bakajya kuyabikuza binyuze kuri Mobile Money bamenya uko barinda amafaranga yabo.

Inzego z’ubugenzacyaha zivuga ko ku isi hose haboneka ibyaha by’ubujura bukoresha ikoranabuhanga.

Raporo ya Banki Nkuru y’u Rwanda (BNR) y’umwaka wa 2020/21 warangiye ku wa 30 Kamena 2021, igaragaza ko yabashije guhagarika ibitero 74, 243 yagabweho mu buryo bw’ikoranabuhanga.

Ibi ngo bitanga icyizere ko amafaranga y’u Rwanda acungiwe umutekano.

Iyo raporo igaragaza ko guhera mu Ugushyingo 2019, BNR yashyizeho uburyo bugezweho bwo gucunga no gusesengura amakuru yinjira n’asahoka mu miyoboro y’ikoranabuhanga.

Ubu ni uburyo bwa Banki y’u Rwanda bwo gukumira ko amafaranga yayo yibwa cyangwa ahungabanywa n’abajura bakoresha ikoranabuhanga.

Ikibazo cy’ubujura bukoresha ikoranabuhanga kiri n’ahandi muri Afurika

Kubera ko ibihugu by’Afurika biri gutera imbere no mu ikoranabuhanga, ni ngombwa ko n’abayituye bamenya uko barinda amafaranga yabo kugira ngo atibwa n’abahanga mu ikoranabuhanga.

Hari raporo iherutse gusohorwa na Polisi mpuzamahanga yiswe African Cyberthreat Assessment Report ivuga ko muri Afurika hari abaturage miliyoni 500 bakoresha murandasi.

Uyu mubare ni munini kubera ko abo baturage ari benshi kurusha abatuye u Burayi bakoresha ikoranabuhanga.

Abaturage bakoresha murandasi muri Afurika bangana na 38% by’abatuye uyu mugabane bose.

Aba nibo bugarijwe n’abajura bakoresha ikoranabuhanga.

Ni ngombwa ko bagirwa inama yo kwirinda buriya bujura.

Ya raporo twavuze haruguru, yerekana ko abaturage ba Kenya ari bo ba mbere benshi muri Afurika bakoresha ikoranabuhanga mu guhererekanya amafaranga(83%), hagakurikiraho Nigeria ifite abaturage bakoresha murandasi bangana na 60% nyuma hagakurikiraho Afurika y’Epfo ifite abaturage bangana na 56%.

Mu rwego rwo gufasha abatuye Afurika kwirinda ko amafaranga yabo yibwa cyangwa ahungabanywa mu rwego rw’ikoranabuhanga, kimwe mu bigo bitanga serivisi zo gufasha abaturage kuhorerezanya amafaranga hirya no hino ku isi kitwa WorldRemit, kigira abatuye Afurika inama z’uko bakwirinda biriya bibazo.

Imwe mu nama itangwa ni uko uwoherereje undi amafaranga aba agomba kwandika neza amazina n’umwirondoro w’umuntu cyangwa ikigo runaka kizakira ayo mafaranga.

Niba ariya mafaranga aba agomba kugera muri Banki runaka, ni ngombwa ko uwohereje amafaranga aba agomba kuvuga izina ryayo kandi nyaryo.

Indi nama ni uko umuntu cyangwa ikigo runaka gishaka koherereza abantu cyangwa ikigo runaka amafaranga agomba guhitamo neza uburyo bwihuse kandi butekanye bwo kohereza ayo mafaranga.

Ni ngombwa kureba niba uburyo bwakoreshejwe ari uburyo bwemewe kandi bukora amasaha 24.

Gukora amasaha 24 bivuze ko ubwo buryo buba bwemewe, atari uburyo bukora bukavaho kuko  kohererezanya amafaranga bikorwa buri kanya ku isi, amanywa n’ijoro.

Kubera ko bigoye cyane kugenza ibyaha bikorewe kuri murandasi , inama ikomeye itangwa ni uko ugiye kuhereza ayo mafaranga aba agomba kwitonda kuko iyo yagiye biba bigoye ko agarurwa.

Ni ingenzi kandi kwirinda ko abantu runaka bagushishikariza gukoresha uburyo runaka bwo kohereza no kwakira amafaranga bakubwira ko ari bwo bwiza kurusha ubundi.

Mu gihe umuntu acitswe agakoresha uburyo atizeye, ni ngombwa ko ahita ahamagara abo muri Banki abitsamo akababwira ibimubayeho kugira ngo niba bishoboka ko yatabarwa amafaranga ye akagarurwa, bikorwe hakiri kare.

WorldRemit isaba abakoresha uburyo bwayo bwo kohereza cyangwa kwakira amafaranga kuba maso, bakajya birinda guhubuka ngo bakore ibintu batabanje gutoranya neza.

Hari uburyo ikoresha bwo gufasha abantu kugira ngo bohereze cyangwa bakire amafaranga.

Ubwo ni Sendwave bukorana n’ubwitwa  Zepz.

Imibare yerekana ko amafaranga WorldRemit yohereza aturuka mu bihugu 50 akoherezwa mu bihugu 130 birimo n’u Rwanda.

Acishwa mu miyoboro 5,000 harimo na MTN Mobile Money n’ahandi.

Abantu 1,200 nibo bahawe akazi ko guha serivisi bariya bantu.

Byose kandi bikoresha ikoranabuhanga, amafaranga akoherezwa hifashishijwe murandasi 100%.

Icyicaro cya WorldRemit kiba mu Bwongeza ariko ikagira icyicaro mu bihugu nk’u Rwanda.

Leta zunze ubumwe z’Amerika, Canada, Australia, Hong Kong, Singapore, Malaysia, ibirwa bya Philippines, Afurika y’Epfo, Somaliland, Uganda, Kenya, Tanzania, Zimbabwe n’u Bubiligi.

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