Iterambere Ry'Ikoranabuhanga Mu Kohererezanya Amafaranga Ejo Hazaza - Taarifa
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Iterambere Ry’Ikoranabuhanga Mu Kohererezanya Amafaranga Ejo Hazaza

Yanditswe kuwa

Kubera impamvu zirimo izatewe na Guma mu Rugo n’ibindi byakurikiye iki cyorezo, ubukungu bw’isi muri iki gihe buri mu bibazo bifitanye isano iziguye cyangwa itaziguye n’izamuka ry’ibiciro ku bintu hafi ya byose.

Banki y’isi iherutse gutangaza ko Amerika ari cyo gihugu cyazahajwe cyane n’izamuka ry’ibiciro kuko byazamutse ku kigero cya 7.8%  hagati ya 2020 na 2021.

Muri Afurika ivuga ko Sudani ari yo yahungabanye cyane ku kigero kirenga 40%.

Mu rwego rwo kunganirana, abatuye isi barushijeho kohererezaanya amafaranga kugira ngo abafite icyo barushije abandi babafashe kuramuka.

Kandi nk’uko bivugwa, burya kuramba ni ukuramuka.

Imibare ihari kugeza ubu yerekana ko abatuye ibihugu bikiri mu nzira y’amajyambere umwaka wa 2021 warangiye bohererezanyije miliyari 589 $, aya akaba yariyongereyo 7.3% ugereranyije n’uko byagenze umwaka wabanje ni ukuvuga uwa 2020.

Mu bihugu byo munsi y’ubutayu bwa Sahara, abantu bohererezanyije amafaranga angana na miliyari 45$ , akaba yariyongereyeho 6.2%.

By’umwihariko, mu Rwanda amafararanga yohererejwe abahatuye mu mwaka wa 2021 yiyongereyeho miliyoni 5$ bituma agera kuri miliyoni 246 $.

Mu mwaka wa 2020 yari yaragabanutseho miliyoni 20 $ ni ukuvuga angana na 7.7% by’ayinjiye mu mwaka wabanje.

Igishimishije muri ibi ni uko ikoranabuhanga ryabaye iry’ingenzi cyane, bituma abantu badahera mu rugo mu gihe cya Guma mu rugo ngo banaheranwe n’ubukene.

Kubera ko ahenshi ku isi abantu bakingiwe, ubukungu bukaba buri kuzanzamuka, byitezwe ko abantu bazohererezanya amafaranga ku bwinshi kugira ngo bafashanye kwivana mu ngaruka za COVID-19.

Bumwe mu buryo byitezwe ko bazakoreshwa na benshi ni ubwitwa WorldRemit.

Umuyobozi w’ikigo gitanga izi serivisi mu Rwanda witwa Madamu Carine Umurerwa avuga ko mu mwaka wa 2022 ubukungu bw’isi muri rusange n’ubw’u Rwanda by’umwihariko buzazamuka cyane.

Carine Umurerwa

Na Banki y’isi iherutse gutangaza ko kohererezanya amafaranga bizagira uruhare rwa 2.6% mu bukungu bw’isi mu mwaka wa 2022.

Iyo witegereje uko ubukungu buri kuzanzamuka mu Burayi, Amerika na Aziya ubona ko iriya mibare ivugwa na Banki y’isi izagerwaho.

Bizwi ko abatuye ibihugu byo muri iyi migabane ari bo ba mbere ku isi bohererezanya amafaranga mu buryo bw’ikoranabuhanga kenshi kandi menshi kurusha mu bindi bice by’isi.

Bwa buryo bwa WorldRemit twavuze haruguru bwagize uruhare mu kohererezanya amafaranga angana na miliyari 10$ mu mwaka wa 2020.

Abanyafurika baba mu bihugu bikize nabo byitezwe ko bazakomeza kugira uruhare mu kohererezanya amafaranga binyuze mu kuyoherereza benewabo baba muri Afurika bayacyeneye.

Umurerwa avuga ko kubera ko ikoranabuhanga mu kohererezanya amafaranga rikomeje gutezwa imbere, mu myaka iri imbere, hari abantu benshi bazajya babika amafaranga yabo mu buryo bw’ikoranabuhanga, kurusha ubundi busanzwe. Ni uburyo bita mobile wallet.

Telefone niyo yahindutse ikofi kandi byitezwe ko mu myaka micye iri imbere  izahinduka n’ibiro by’ivunjisha abantu bakajya bavunjira abandi bakanaboherereza amafaranga gutyo gutyo…

Kugeza ubu igihugu gituwe n’abaturage bakoresha ikoranabuhanga mu rwego rw’imari kurusha ibindi byose ku isi ni u Bushinwa, muri Afurika Kenya ikaba iya mbere.

Ku byerecyeye u Rwanda, gukoresha telefoni muri serivisi z’imari byariyongereye cyane kuva aho telefoni zigezweho zigereye muri iki gihugu.

Hari imibare ivuga ko 80% by’Abanyarwanda bageze mu myaka y’ubukure, bafite telefoni.

Iri janisha ringana n’abaturage miliyoni 10 zirengaho gato.

U Rwanda kandi ni igihugu kiri muri bicye by’Afurika bifite iterambere rikomeye mu ngeri nyinshi harimo n’urwego rw’ikoranabuhanga mu by’imari.

WorldRemit hamwe n’izindi gahunda zo guhererekanya amafaranga, yagize uruhare muri iri terambere rikoresha telefoni muri ibi byose

Uburyo bwa Mobile money bwafashije abatuye isi kohererezanya amafaranga angana na miliyari 12.7% mu mwaka wa 2020.

Mu Rwanda ubu buryo bwaramamaye kuko butuma abaturage bahanahana amafaranga baba bafite muri telefoni zabo cyane cyane ko abagera kuri 36% , ni ukuvuga abaturage bangana na miliyoni 2.6 ari bo babitsa muri Banki.

Abasigaye bose bagendana amafaranga yabo hafi ya yose!

Kubera iyi mpamvu rero hari benshi bohererezanya amafaranga baba bafite hafi aho bitabaye ngombwa ko bajya kuyazana kuri za Banki.

Mu myaka iri imbere kandi, biragaragara ko umutekano w’amafaranga abantu babika kuri telefoni zabo uzakomeza kuzamurwa kugira ngo hatazagira umujura utwara imari abaturage babitse bayikeneye ngo izabagoboke mu gihe cy’amahina.

Carine Umurerwa avuga ko kurinda amafaranga abitswe kuri telefoni bizarushaho kongerwamo imbaraga, abahanga mu ikoranabuhanga bakarushaho kongererwa ubumenyi n’ibikoresho mu kurinda imari ya rubanda.

Biteganyijwe ko hazakorwa uburyo butandukanye bwo muri za telefoni buzafasha ushaka koherereza mugenzi we amafaranga kumenya neza koko ko uwo ayoherereje ari we uyakiriye.

Uwakiriye amafaranga nawe azaba afite uburyo buhagije kandi bwizewe bwo kwereka mugenzi we ko amafaranga yamwoherereje koko yamugezeho.

Abakoresha WorldRemit bashyiriweho uburyo bw’ikoranabuhanga bubuza ko runaka yakwibwa amafaranga cyangwa amafaranga akohererezwa uwo adakwiye.

Ni ngombwa kandi ko amafaranga yohererejwe umuntu atagomba gutinda kumugeraho.

Amafaranga wayagereranya n’ubutabera: Iyo atinze kugera ku muntu uyagenewe bituma akubitika. Ni nk’ubutabera butinze.

Mu rwego rwo gufasha abakoresha WorldRemit, hashyizweho uburyo bwihuse kandi butekanye bwo kurinda ko abayikoresha bohereza cyangwa bakira amafaranga bajya bakerezwa n’imikorere irandaga ya porogaramu z’ikoranabuhanga.

Si porogaramu z’ikoranabuhanga zihutishijwe gusa ahubwo hashyizweho n’ibindi bikoresho bifasha mu mikorere yaryo.

Ngo ikoranabuhanga ryo muri kiriya kigo rifasha abakiliya bacyo kugerwaho n’amafaranga mu minota micye.

WorldRemit bafite ikoranabuhanga ribwira umuntu ugiye kohereza amafaranga ko uwo agiye koherereza yiteguye kuyakira.

Ni nk’aho haba hari umuntu uri kumwe n’ugiye kwakira amafaranga hanyuma akabwira ugiye kuyohereza ati: “ Ohereza nta kibazo runaka ariteguye!”

Ni ikoranabuhanga bita API Technology.

Ikoranabuhanga API( Application Programming Interface)

Mu mwaka iri imbere kandi, bizabasa abakora ikoranabuhanga mu kohererezanya amafaranga kugabanya intambwe bisaba mbere y’uko runaka akanda ‘send’.

Ibi bizafasha abantu kudakora utuntu twinshi bohereza amafaranga kuko hari ubwo bigera ku ntambwe runaka bikanga, umuntu agasubiramo.

Muri macye, kohererezanya amafaranga mu gihe kiri imbere biziyongera kandi byorohe kurushaho.

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