Ku Banyarwanda ubu ubutumwa nti bukiri kubuza abantu kubika mu mahembe ibifurumba by'amafaranga ngo bakangukire kugana amabanki.
Uyu munsi ahubwo ikigezweho ni ukubasaba na bo kubyaza umusaruro ayo bafite, bagashora no mu mirimo yitirirwaga iy'abanyamahanga.
Ubwo Umukandida wa FPR-Inkotanyi mu mwanya w'Umukuru w'Igihugu mu matora ateganyijwe ku wa 15 Nyakanga 2024, Paul Kagame yimamarizaga i Kirehe, umuturage wo mu Murenge wa Nasho mu Karere ka Kirehe, Uwingabire Emertha yarabihamije.
Iterambere ryo kuva ku bilo 500 by'ibigori akagera kuri toni umunani zabyo ryamugejeje kure, aho uyu munsi atakibitsa mu mabanki gusa ahubwo 'dusigaye natwe tugura impapuro mpeshwamwenda muri Banki Nkuru y'Igihugu.'
Imibare irivugira. Kuri ubu Minisiteri y'Imari n'Igenamigambi igaragaza ko Abanyarwanda bitabira serivisi z'imari biyongereye bagera kuri 95% mu 2023 bavuye kuri 93% mu 2022.
Ni umubare munini kuko Raporo ya FinScope Rwanda mu 2008, yagaragaje ko Abanyarwanda 14% bari bagejeje ku myaka y'ubukure ari bo bagerwagaho na serivisi z'imari binyuze mu bigo biciriritse na za banki.
Uko kugerwaho n'izo serivisi ni na byo bikomeje gutuma n'ibigo bitandukanye bishora imari nini mu Rwanda ndetse bikagukira muri Afurika.
Igicumbi Mpuzamahanga cya Serivisi z'Imari n'Amabanki cya Kigali (KIFC) kigira uruhare mu kuzana ibyo bigo kigaragaza ko mu myaka itatu ishize kugera mu 2023 ibirenga 100 byinjiye ku isoko ry'u Rwanda
Biteganyijwe ko no muri iyi myaka iri imbere kugeza mu 2029 na bwo urwo rugendo ruzakomeza kunozwa. Mu migabo n'imigambi ya FPR-Inkotanyi ubona ko uru rwego rwitaweho cyane.
Nk'ubu gahunda yo guhuza Imirenge SACCO ha handi umuturage wo mu Burengerazuba ashobora kugera mu Burasirazuba akabikuza amafaranga kuri SACCO imwegereye ku rugero rwa 100%, ntibizasaba kugera mu 2029 kuko uyu munsi byarenze 94%.
Icy'ingenzi ndetse kirenze kurusha ibindi ubu ni uko muri iyo myaka biteganywa ko hazashyirwaho SACCO ku rwego rw'Akarere.
Ni igikorwa cyatekererejwe rimwe no guteza imbere amakoperative, mu kunoza imikorere yayo no gutanga serivisi byisumbuye.
Biteganywa ko 2029 izasiga hashinzwe banki y'amakoperative.
Ni ikintu gikomeye cyane mu kongera ubushobozi no kunoza serivisi zitangwa ku muturage, kuko uru rwego mu myaka nka 18 ishize uvuye mu 2005 rwakomeje gutera imbere.
Icyo gihe amakoperative yavuye kuri 919 agera ku 10.681 mu 2023, akaba agizwe n'abanyamuryango 5.234.049.
Imari shingiro y'amakoperative yose yavuye kuri 7.153.335.000 Frw mu 2005 igera kuri 73.500.775.627 Frw mu 2023, ibigaragaza uburyo iyo banki ikenewe mu kubungababunga byuzuye uwo mutungo.
Kwegereza abaturage serivisi z'imari ni byo bizatuma umuhigo wo kuvana Abanyarwanda bafite imyaka y'ubukure bafite konti mu bigo by'imari bava kuri miliyoni 2.5 bakagera kuri miliyoni eshanu.
Kuko muri serivisi banki zitanga kwizigama biza ku mwanya w'imbere, biteganywa ko mu myaka itanu iri imbere ubwo bwizigame buzaba bwihariye hafi 28% by'umusaruro mbumbe w'igihugu (GDP).
Ni amafaranga menshi cyane kuko ugereranyije nka miliyari 16.355 Frw by'umusaruro mbumbe wabarurwaga ko u Rwanda rugezeho mu 2023, wabona ko ubwo bwizigame bwaba ari miliyari zirenga 4580 Frw, icyo gihe kandi umusaruro mbumbe w'u Rwanda uzaba wariyongereye cyane.
Ni imishinga izanafasha kongera umubare w'Abanyarwanda basobanukiwe neza kandi bazi imikoreshereze ya servisi z'imari bagere kuri 90% bavuye kuri 71.4%, imibare yo mu 2020.
Ingingo yo kongera imbaraga muri gahunda yo kwishyurana no kohererezanya amafaranga bishingiye ku ikoranabuhanga mu gihugu no hanze yacyo na yo iri mu zizitabwaho.
Icyakora hari aho u Rwanda rugeze kuko umubare w'abakoresha servisi za banki hakoreshejwe telefone wiyongereyeho 18% uvuye ku bantu 2.444.652 muri Kamena 2022 ugera ku bantu 2.529.108 muri Kamena 2023.
Mu bijyanye n'ikoreshwa ry'inzira y'amabanki, amafaranga yoherejwe yiyongereyeho 191%, ava kuri miliyari 1.264 Frw agera kuri miliyari 3.680 Frw.
Amafaranga yoherejwe binyuze mu mabanki hakoreshejwe inzira ya murandasi (internet banking) yiyongereyeho 67% ava kuri miliyari 4.351 Frw agera kuri miliyari 7.272 Frw.
Mu myaka itanu igiye kuza biteganywa ko umubare w'Abanyarwanda bafite imyaka y'ubukure kandi bakoresha serivisi z'imari mu buryo bwanditse uzagezwa kuri 95% uvuye kuri 77% bariho muri 2020.
Hazanozwa uburyo bwo guhanga serivisi z'imari n'iz'ubwishingizi bunogeye Umunyarwanda winjiza amafaranga make kandi bujyanye n'umurimo akora, ubuhinzi budasigaye.
Kuri ubu imibare igaragaza ko nk'abahinzi 568.563 n'aborozi 85.398 bishingiwe, imibare byitezwe ko izakomeza kongerwa.
Guteza imbere isoko ry'imari n'imigabane, kongerera ubushobozi abagore n'abakobwa ku bijyanye no gutegura imishinga ibyara inyungu no gukorana n'ibigo by'imari, ni indi mishinga igamije kugira u Rwanda igicumbi cy'imari izibandwaho.
Ibyo byose kandi bizashingira ku kureshya imari ikoreshwa mu kubungabunga ibidukikije no guhangana n'imihindagurikire y'ibihe, muri gahunda y'u Rwanda y'uko mu 2030 ruzaba rwagabanyije 38% by'imyuka rwohereza.
