Umwe mu bitabiriye inama mpuzamahanga iherutse guhuriza mu Rwanda abayobozi bakuru b’ibigo by’ubucuruzi n’abandi bakora mu rwego rw’imari witwa Coura Carine Sene uyobora ikigo Wave Mobile Money asanga iriya nama yarabaye uburyo bwiza ku bagore ngo bamenye uko bazamura uruhare rwabo mu kugera ku mari.
Asanga inama ya Africa CEO Forum yarabaye ingenzi kuko ihuriza hamwe abafata ibyemezo bishobora guhindura uburyo igishoro gikwirakwizwa mu batuye Afurika barimo n’abagore.
Abashinzwe politiki, abashoramari, ibigo by’imari, abafatanyabikorwa mu iterambere n’abayobozi b’ibigo byigenga bose ngo bafite kandi bagomba kugira uruhare mu gutuma ikoranabuhanga mu by’imari ritibanda gusa k’ugutanga serivisi, ahubwo rigomba kugira uruhare mu kuzamura ubukungu.
Icy’ingenzi gikomeye ni ugufasha abaturage kumva ko bafite uburyo n’uburenganzira bwo kwitabira serivisi z’imari.
Izo kandi ntizigarukira k’ugufungura konti cyangwa gukora ihererekanya ry’amafaranga gusa, ahubwo zigomba gufasha abantu, cyane cyane abagore bafite ubucuruzi, kugaragara muri gahunda z’ubukungu, kubaka amateka y’imikoreshereze y’imari no kubona ibikoresho n’igishoro bikenewe kugira ngo bateze imbere ibikorwa byabo.
Hirya no hino muri Afurika, abagore benshi bayobora ubucuruzi bukomeye kandi burambye.
Muri bo harimo abagenzura ububiko bw’ibicuruzwa, bakakira abakiliya, bakishyura ababagemurira ibicuruzwa, bagafasha imiryango yabo kandi bagatanga umusanzu mu bukungu bw’aho batuye.
Nyamara, ibikorwa byinshi bakora ntibigaragara muri gahunda zisanzwe z’imari, bigatuma kubona inguzanyo cyangwa ishoramari bibagora.
Ikoranabuhanga mu by’imari rishobora gukemura iki kibazo kuko rituma ibikorwa by’ubukungu byandikwa kandi bikamenyekana.
Nk’uko Coura Carine Sene abibona, inama nka Africa CEO Forum iherutse kubera mu Rwanda, yagombye kuba yarabereye abagore impamvu ifatika yo kwitabira gahunda zagutse za serivisi z’imari, bakareka kuba ‘terera iyo.’
Mu gutanga izo nama, ntayobewe ko hari inzitizi zibuza abagore kugera ku nzozi zabo mu rwego rw’imari.
Imwe mu zikomeye ni uko abagore benshi babuzwa amahirwe yo kubona igishoro mbere y’uko banagera ku muryango wa banki cyangwa k’umushoramari.
Akenshi usanga bafite amahirwe make yo kugira imitungo, kugera ku miyoboro y’ubucuruzi, kugira inyandiko zemewe z’ubucuruzi cyangwa ingwate zisabwa n’ibigo by’imari.
Mu bihugu byinshi bya Afurika, umugore ashobora kuba afite ubucuruzi bukora neza, abakiliya bahoraho n’amafaranga yinjira buri gihe, ariko agafatwa nk’ufite ibyago byinshi byo kutagurizwa amafaranga menshi na banki kubera ko adafite ingwate zisanzwe zisabwa.
Hari kandi ikibazo cy’imyumvire.
Abagore benshi bakorera mu nzego nk’ubucuruzi bwo gucuruza ibiribwa, serivisi, ubuhinzi n’ikwirakwizwa ry’ibicuruzwa.
Nubwo izi nzego ari inkingi y’ubukungu bwa Afurika, hari igihe zidahabwa agaciro gahagije n’abashoramari kuko zigaragara nk’izidakura vuba.
Ikibazo nyamukuru ni uko gahunda nyinshi z’imari zishingira ku mutungo umuntu afite aho kureba ibikorwa akora.
Zimenya kubara umutungo umuntu atunze, ariko ntizibashe gupima neza ibyo ari kubaka n’agaciro bihishe mu bikorwa bye bya buri munsi.
Icyakora, hari ahandi abagore bajya bagira amahirwe yo gukora ku ifaranga harimo na mobile money, itanga serivisi zifasha abantu n’ibigo by’ubucuruzi kugira umwirondoro w’imari, cyane cyane abasanzwe batagira konti muri banki.
Ku bagore benshi, ibikorwa by’ubucuruzi birahari ariko ibimenyetso bibigaragaza bikabura.
Baracuruza, bakagura ibicuruzwa bishya, bakishyura ababagemurira ibicuruzwa ndetse bakakira amafaranga y’abakiliya, ariko ibyo byose bigakorwa mu buryo bw’amafaranga afatika adafitiwe inyandiko.
Iyo ibikorwa bitangiye gukorwa mu buryo bw’ikoranabuhanga, bitanga amakuru agaragaza uburyo ubucuruzi bukora n’ubudaheranwa bwabwo.
Ibi ntibisobanura ko amakuru asimbura isuzuma ry’umuntu, ahubwo byongerera ibigo by’imari ibimenyetso bibifasha gufata ibyemezo byiza.
Umugore ashobora kuba adafite ubutaka cyangwa indi ngwate, ariko akaba afite amateka agaragaza ko ubucuruzi bwe bukora neza kandi bwinjiza amafaranga buri gihe, ibi bikamuha amahirwe yo kwizerwa n’ibigo by’imari.
Mu gutanga inama z’icyakorwa, uyu muhanga utanga inama muri iyi nkuru asanga ari ngombwa ko banki zajya zireba amateka y’ihererekanywa ry’amafaranga, amafaranga yinjira n’asohoka, imyitwarire y’ubucuruzi n’umubare w’abakiliya.
Icya kabiri asanga gikwiye ni uguhindura uburyo serivisi z’imari zubakwa.
Ibicuruzwa byinshi by’imari bikorerwa ibigo bisanzwe bifite inyandiko zuzuye, nyamara ubucuruzi bwinshi bw’abagore bukenera serivisi zihuza n’imiterere yabwo, harimo amafaranga yinjira mu bihe bitandukanye n’ibikorwa byinshi ariko bito.
Uruhare rw’abagenzuzi narwo ni ngombwa mu gushyiraho amategeko afasha mu guhanga udushya mu by’imari, gutanga serivisi ku bantu benshi, ariko banarinda inyungu z’abakoresha izo serivisi.
Ku byerekeye abagore n’urwego rw’imari, Coura Carine Sene yemeza ko kongerera abagore ubushobozi bitavuze ko ari abanyantege nke bakwiye gufashwa ahubwo bikwiye gukorwa mu rwego rwo kuzamura ubukungu bw’ibihugu muri rusange.
Abagore ni ba rwiyemezamirimo bakoresha abandi, bakaba abacuruzi, bakaba abaguzi ndetse n’abashora imari mu miryango yabo.
Iyo batabashije kubona serivisi z’imari, Afurika iba idahombya abagore gusa, ahubwo iba ikoresha nabi igishoro cyayo.
Ati: “Ikibazo nyamukuru si ukumenya uburyo abagore bafashwa kwinjira muri gahunda z’imari, ahubwo ni ukumenya uburyo gahunda z’imari zakosorwa kugira ngo zimenye aho agaciro nyako k’ubukungu kari”
Niba ubucuruzi buyobowe n’abagore bukora neza, bukagira abakiliya kandi bukazamuka, igishoro gikwiye kubugeraho mu buryo bworoshye kandi buboneye.
Uko niko abibona.
Kuri we, iki si ikibazo cyihariye kireba abagore gusa.
Ni ikibazo kijyanye n’izamuka ry’ubukungu, umusaruro n’ejo hazaza h’ubukungu bwa Afurika.
Mu kwanzura avuga ko niba igishoro kitagera ku bagore, biba bivuze ko kitageze ku isoko ryose rigize umugabane wa Afurika.
