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2010-2017: Iterambere mu gukorana na serivisi z’imari

Yanditswe na IMVAHO NSHYA

Kuya 2017-07-17 09:16:09

 
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Kwegereza abaturage serivisi z’imari:

• Amashami n’udushami twa banki, yavuye kuri 408 muri 2010, ubu ni 547
• Ikigo cy’imari cya SACCO muri buri Murenge
• Agents b’amabanki bavuye ku 198 muri 2010, ubu ni 4,499
• ATM zavuye kuri 84 muri 2010, ubu ni 354
• Abiyandikishije kuri “Mobile Money” ni 8,371,693 (2016) bavuye kuri 231,000 muri 2010

Mu myaka irindwi ishize ya manda ya kabiri ya Perezida wa Repubulika y’U Rwanda, Paul Kagame (2010-2017), umubare w’abanyarwanda bafite imyaka 16 kuzamura bakorana n’ibigo by’imari warushijeho kwiyongeraho.

Mu mwaka ushize wa 2016 abari muri iki cyiciro bakoranaga n’ibigo by’imari bari bageze kuri 89% bavuye kuri 48% muri 2008, na 72% mu mwaka wa 2012, nk’uko bigaragazwa n’ubushakashatsi bwiswe “Finscope”. Ubwo bushakashatsi buba bugamije kugaragaza urugero n’uburyo abaturage bageze igihe cyo gukorana n’ibigo by’imari bakorana na byo.

Ubwo bushakashatsi bwagaragaje kandi ko umubare w’Abanyarwanda bakorana n’ibigo by’imari bigenzurwa na Banki Nkuru y’U Rwanda cyangwa bikora mu buryo bwemewe n’amategeko (formal financial institutions) wari 68% mu 2016 uvuye kuri 41% mu 2012.

Intambwe idasanzwe yagezweho mu gukorana na serivisi z’imari bitewe n’ikoreshwa rya “Mobile Money” n’Umurenge SACCO (washyizweho ari igitecyerezo cya Perezida Paul Kagame cyo kwegereza Abanyarwanda serivisi z’imari).

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Koperative Umurenge SACCO zatumye abanyarwanda benshi biteza imbere

Urugero Banki Nkuru y’u Rwanda (BNR) itanga, ni uko ubushakashatsi bwavuzwe haruguru bwagaragaje ko, mu mwaka wa 2016, 36% by’abakuze bakoreshaga serivisi zitangwa n’ibigo by’imari bitari amabanki bavuye kuri 22.3% muri 2012. Umugabane munini muri aba, ungana na 27%, bakoreshaga serivisi za SACCO gusa, bavuye kuri 21% mu mwaka wa 2012.

Kugeza ubu, mu gihugu habarirwa abantu 55,000 batanga serivisi za “Mobile Money” bitwa aba “agents” (aho abangana na 74% ari bo bagaragaza gukora aka kazi umunsi ku wundi) baboneka mu ntara zose z’igihugu.

Mu mpera z’umwaka ushize wa 2016, abiyandikishije kuri “Mobile Money” banganaga na 8,371,693 bavuye ku bantu 231,000 mu mwaka wa 2010. Mu buryo bw’ikoranabuhanga bukoreshwa cyane mu guhererekanya amafaranga (DFS), “Mobile Money” iza ku mwanya wa mbere ku gipimo cya 95% cy’ubu buryo bwose.

Serivisi za “Mobile Money” zikoreshwa cyane n’abantu bohererezanya amafaranga. Ubu buryo bw’ikoranabuhanga bwo kohererezanya amafaranga no kwishyura (habariwemo no kugura ikarita zo guhamagara) biza kuri 47%, hagakurikiraho kuyahererekanya biri ku kigero cya 9.22%. Ni mu gihe abakoresha ubu buryo bwa “Mobile Money” bazigama amafaranga kuri telefoni ngendanwa zabo bangana na 17% nk’uko bigaragazwa na raporo ya Finscope 2016.

Imbonerahamwe ikurikira irerekana uko ibipimo by’abanyarwanda bakorana na serivisi z’imari byagiye byiyongera

Umwaka Abakorana n’ibigo by’imari bigenzurwa na BNR cyangwa urundi rwego rw’ubugenzuzi (formal financial institutions) Abakorana n’ibigo by’imari bidafite urwego rw’ubugenzuzi mu buryo by’amategeko rubishizwe (informal financial institutions) Abadakorana n’ibigo by’imari cyangwa servisi z’imari
2016 68% 21% 11%
2012 42% 30% 28%
2008 21% 27% 52%

Hakozwe byinshi mu kwegereza abaturage serivisi za banki

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Banki Nkuru y’u Rwanda ivuga ko imyaka irindwi ishize mu rwego rwateye imbere

Mu rwego rwo kurushaho kwegereza Abanyarwanda serivisi z’imari, kugeza ubu umubare w’amashami y’amabanki y’ubucuruzi n’udushami twayo wariyongereye uva kuri 408 mu kwezi Kuboza 2010, ugera kuri 547 mu mpera z’ukwezi kwa Werurwe 2017.

Ubu bwiyongere bwatewe no kwinjira kw’amabanki mashya ku isoko ry’imari mu Rwanda, ndetse no kwagura ayari asanzweho byazanye impinduka mu mikorere nka agents ba banki.

Kugeza ubu, amabanki atanu (Banki ya Kigali, Equity Bank, COGEBANQUE, KCB na Urwego Bank) akoresha aba ‘agents’ (bashyirwa hirya no hino batanga serivisi mu izina rya banki bagiranye amasezerano). Aba bavuye ku 198 muri 2010, bagera ku 4,499 mu kwezi kwa Werurwe 2017.

Umubare w’abafite konti mu mabanki no mu bigo by’imari na wo wakomeje kwiyongera, aho amakonti yiyongereyeho ku gipimo cya 7.8%. Mu mwaka ushize wa 2016 bari miliyoni 5.5 bavuye kuri miliyoni 4.5 muri 2012.

Umubare wa ATM (ibyuma bikoreshwa mu kubikuza amafaranga hatabayeho gutonda umurongo ku mabanki) wavuye kuri 84 mu mpera z’Ukuboza 2010, ziba 354 mu mpera za Werurwe 2017.

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