Guverineri wungirije wa Banki Nkuru y’u Rwanda (BNR) Dr. Justin Nsengiyumva avuga ko hakenewe gukorwa ubushakashatsi mu bukungu kugira ngo gahunda yo guhererekanya amafaranga no kwishyurana hakoreshejwe ikoranabuhanga irusheho kugenda neza.
Ibi, Guverineri Wungirije yabigarutseho mu nama ngarukamwaka y’ubushakashatsi (Annual Research Conference) yateguwe na Banki Nkuru y’U Rwanda ku bufatanye n’Ikigo Mpuzamaganga cy’ubushakashatsi (International Growth Centre).
Yabaye kuwa 16 Gicurasi 2025, ihuriza hamwe banki n’ibigo by’imari bitandukanye, abayobozi mu nzego za Leta, ibigo by’itumanaho, amashuri makuru n’abandi.
Insanganyamatsiko yayo yagiraga iti: “ Urugendo rwo kudahererekanya amafaranga mu Rwanda: Ibyafashije, Ibyagezweho n’Imbogamizi”
Dr. Nsengiyumva yavuze ko n’ubwo hari byinshi byakozwe ngo kwishyurana no guhererekanya amafaranga hifashishijwe ikoranabuhanga bitere imbere, hagikenewe ubushakashatsi bwo kugira ngo binozwe kurushaho.
Ati: “ Muri iki gihe aho ibintu bihinduka vuba, ubushakashatsi mu by’ubukungu ni ikintu cy’ingenzi kitakwirengagizwa. Bwadufasha kumva byimbitse ibyadufasha mu iterambere ryo guhererekanya no kwishyurana hakoreshejwe ikoranabuhanga n’ingaruka bifite ku iterambere ry’ubukungu”.
Ubwo bushakashatsi asanga bwafasha mu gufata imyanzuro ikwiye no kuyishyira mu bikorwa no gushyiraho uburyo buhamye bwo gukora ibintu no gukemura imbogamizi zabigaragayemo.
Guverineri wungirije wa Bani Nkuru y’u Rwanda avuga ko ubushakashatsi bukeneye gukorwa n’Inzego zitandukanye harimo abakora muri Banki, ibigo by’Imari n’ iby’ikoranabuhanga, amashuri makuru na za kaminuza n’abandi.
Byazatuma habaho ubufatanye mu bw’inzego mu gukuraho imbogamizi zabigaragayemo bityo ibibazo biri mu ihererekana no kwishyurwa hakoreshejwe ikoranabuhanga zigakemurwa.
Mu gusuzuma ubwo bushakashatsi, ni ho hazagaragara ibisubizo bya serivisi abakiliya bashaka, imihindagurikire y’amasoko, udushya mu ikoranabuhanga n’ibindi byafasha mu kunoza no kongera umubare w’abahererekanya n’abishyurana hakoreshejwe ikoranabuhanga.
Igipimo Guverinoma yari yihaye cyo guteza impere gahunda yo kwishyurana hakoreshejwe ikoranabuhanga muri Gahunda y’igihugu yo kwihutisha iterambere mu cyiciro cyayo cya mbere (NST1) cyararenze.
Raporo zerekana ko muri NST1 ari nayo Gahunda ya Guverinoma y’Imyaka Irindwi (7YGP) yarangiye muri 2024, Guverinoma yari yarihaye intego ko kwishyurana hakoreshejwe ikoranabuhanga bizagera kuri 80% ariko byararenze bigera kuri 300%.
Byatewe ahanini n’ikoreshwa rya telefoni mu guhererekanya amafaranga (Mobile Money Transaction).
Imibare ya BNR igaragaza ko ubukungu budaheza (Financial inclusion) buri kuri 96% mu gihe abakoresha serivisi z’ikoranabuhanga bavuye kuri 30% muri 2020 bagera kuri 73% muri 2024, bitewe n’imbaraga zashyizwe mu bukangurambaga nk’uko Dr. Nsengiyumva abitangaza.
Avuga ko ubushakashatsi mu by’ubukungu bukorwa na Banki akorera bugira uruhare runini mu iterambere kandi ko bazakomeza gukorana n’abafatanyabikorwa batandukanye byo mu gihugu n’ibigo mpuzamahanga nka IGC, IMF n’ibindi.
Ati: “Mureke ibiganiro nk’ibi bitubere igihe cyo gutekerereza hamwe ariko kandi binadufashe mu myanzuro dufata, politike dushyiraho no gushyira imbaraga mu bufatanye tugirana”.
Mphatso Kumwenda, Umukozi wa IGC ushinzwe ubukungu ashimira ubuyobozi bw’u Rwanda bwateje imbere ihererekanya no kwishyurana hakoreshejwe ikoranabuhanga.
Kuri we, u Rwanda ni kimwe mu bihugu bya Afurika byashoboye guteza imbere ubukungu bukoresha ikoranabuhanga ku rwego buri wese yakwishimira.
Avuga ko ikigo IGC cyakoranye ubushakashatsi butandukanye na Banki Nkuru y’u Rwanda na Minisiteri y’Imari n’Igenamigambi n’ibindi bigo kandi ko bwagize umusaruro.
Ashimangira ko ikigo akorera kizakomeza gukorana n’u Rwanda mu bushakashatsi bugamije kunoza guhererakanya no kwishyurana hakoreshejwe ikoranabuhanga.
Ati: “Twiyemeje gukomezanya uru rugendo {rw’ubushakashatsi} dufata ibitekerezo binini bivuye ku isi hose tukabihinduramo ibikorwa hano mu Rwanda”.
Muri iyi nama ngarukamwaka y’ubushakashatsi hamuritswe bumwe mu bushakashatsi bwakozwe n’abakozi ba Banki Nkuru y’u Rwanda ndetse n’abandi bafatanyabikorwa bwibanze ku kamaro ko kunoza kwishyurwa no guhererekanya amafaranga hakoreshejwe ikoranabuhanga.
