Ni ngombwa gusobanura ingingo ebyiri zigirana isano iri hagati y’ikoranabuhana n’imari. Imari ni ukuvuga umutungo uvunjwe mu mafaranga umuntu atunze n’aho ikoranabuhanga rivuze uburyo bushya bwo gukora cyangwa gukoresha ibintu hagamijwe kunoza uko bikora cyangwa bikoreshwa.
Muri iki gihe isi yose irambirije ku ikoranabuhanga kugira ngo ibikozwe byose bikorwe neza kandi mu buryo bwihuse.
Haba mu buvuzi, mu buhinzi, mu gutwara abantu n’ibintu no mu zindi nzego, ikoranabuhanga niryo rishyirwa imbere kandi ryongera umuvuduko uko bucyeye.
Mu rwego rw’imari naho ni ngombwa ko ikoranabuhanga rikoreshwa kuko rifasha mu kwishyura no kwishyurana kandi rikagabanya ibyago by’uko runaka yakwibwa amafaranga n’abantu bakora mu mifuka cyangwa bacukura za Banki n’inzu z’abaturage.
Mbere y’uko icyorezo COVID-19 cyaduka ku isi, abantu bari basanzwe bakoresha ikoranabuhanga mu kwishyurana cyangwa kohererezanya amafaranga.
Aho iki cyorezo cyadukiye mu isi rero, nibwo ikoranabuhanga ryagaragaje ko burya akamaro karyo mu rwego rw’imari ari ntagereranywa.
Abantu bararyifashishije kugira ngo batumize ibiribwa, imiti, ifumbire n’ibindi kuko ahenshi, niba atari hose, ku isi abantu bari bari muri Guma mu rugo.
Amahirwe u Rwanda rwagize muri ibi bihe by’icyago cyaje gitunguranye ni uko mbere ubuyobozi bwarwo bwari bwararangije gushyiraho ikoranabuhanga mu nzego zitandukanye harimo no mu rwego rw’ubukungu n’imari.
Kubera ko byari bigoye kumenya mu by’ukuri iby’iki cyorezo, Leta yanzuye ko abaturage bayo baguma mu rugo kugira ngo hatagira icyandura hagati aho inzego z’ubuzima zibanze zimenye iby’iki cyorezo.
Nibwo Guma mu rugo yatangizwaga.
Rumwe mu nzego nke zasigaye zikora ni urw’imari kuko za Banki zarakomeje zirakora ariko abantu bashishikarizwa gukoresha ikoranabuhanga bohererezanya amafaranga.
Hari bamwe bagize impungenge ku ikubitiro z’uko urwego rwo kohererezanya amafaranga rutazakora neza kubera ko bitari byagasobanutse neza ngo abantu bamenye kandi bemere ko n’urwego rw’ikoranabuhanga mu by’imari rwari bube mu zemerewe gukora.
Impungenge zabo zaje gushira ubwo babonaga ko uru rwego rwemerewe gukora kandi neza.
Uburyo bwo kohererezanya amafaranga butandukanye nka WorldRemit, Mobile Money, Airtel Money n’izindi zakomeje gukora.
Abanyarwanda baba cyangwa babaga mu mahanga nabo bashoboye koherereza bagenzi babo amafaranga yo kubafasha guhangana n’amage yatewe na COVID-19.
Umwe muri bo ni uwitwa Gértrude Mukamusoni.
Uyu mubyeyi yatangiye kuba muri Leta zunze ubumwe z’Amerika mu mwaka wa 2016, icyo gihe akaba yari yabonye ikarita yemerera umuntu kuba Umunyamerika.
Ni ikarita bita Green Card.
Yifashishije WorldRemit afasha abo mu muryango we bo mu Karere ka Gatsibo kubona amafaranga yo kwitabaza.
Muri gihe cy’imyaka itanu yamaze ari muri kiriya gihugu, yakomeje gufasha abavandimwe be n’inshuti kwiyubaka mu bukungu , akabunganira akaboherereza agafaranga.
Kuba yarabishoboye ni uko Leta y’u Rwanda yari yarashyizeho ikoranabuhanga mu by’imari ryafashije kandi n’ubu rigifasha abaturage kohererezanya amafaranga.
Telefoni zigendanwa na murandasi byarafashije cyane muri iri terambere kandi akamaro kazo kagaragaye cyane cyane muri Guma mu rugo.
Ku baturage 100, usanga batunze telefoni zigera ku 107. Bivuze ko hari Abanyarwanda benshi batunze telefoni imwe.
Ibi byatumye igipimo cyo kohererezanya amafaranga mu mu mezi ane ya mbere y’igice cya kabiri cy’icyorezo COVID-19 kigera kuri 450%.
Imwe mu ngingo zatumye iki gipimo kigera kuri ruriya rwego ni uko Leta binyuze muri Banki nkuru y’u Rwanda, yakuyeho ikiguzi cyo kohereza amafaranga.
Byatumye abantu baherereza bagenzi babo amafaranga biyongera ndetse n’umubare w’abantu batakoreshaga ikoranabuhanga mu kohereza no kwakira amafaranga bagabanuka kuko abenshi bahise babiyoboka.
Mu gihe gito ni ukuvuga mu Cyumweru cya mbere cya Guma mu rugo ya mbere, Abanyarwanda bohererezanyije amafaranga bahise bagera kuri miliyoni 1.2.
Ibigo bitanga serivisi zo kohererezanya amafaranga nabyo basanze ari ngombwa kugabanya ikiguzi cyo koherereza abantu amafaranga ndetse ngo abo muri WorldRemit bo hari ubwo bakuyeho ikiguzi cyose.
Ibi biciro byakomeje kuguma byarabaganyijwe nk’uko bimeze ku mikorere ya WorldRemit kuko abakoresheje uburyo bwabo bagabanyirijwe kuri 25% kugeza n’ubu.
Hari ubushakashatsi bwasohowe n’ikigo Finscope buherutse gutangaza ko guhera mu mwaka wa 2020, abaturage bangana na 93% batangiye gukoresha uburyo bw’ikoranabuhanga mu rwego rw’imari.
Intego ni uko mu mwaka wa 2024, umubare uzaba warageze kuri 95%.
Ni intego inzego zikora mu rwego rw’imari zemeza ko izagerwaho kubera imikoranire ya Leta n’izo nzego zirimo n’abikorera ku giti cyabo.
Izo nzego ziri gukora uko zishoboye ngo hongerwe uburyo bushya bw’ikoranabuhanga kugira ngo abaturage bahitemo ububanonege kandi butabahenda mu kohereza cyangwa kwakira amafaranga.
Abo muri WorldRemit nabo bavuga ko bazakomeza gufasha u Rwanda n’ahandi bakorera mu guteza imbere ikoranabuhanga mu korohereza abantu kwakira cyangwa kohereza amafaranga.
