Mu Rwanda hari ibigo by’ubucuruzi bito n’ibiciriritse bigera ku bihumbi 5 bitarengeje igishoro cy’amafaranga miliyoni 500, byatangiye imikorere ishingiye ku ikoranabuhanga kugira ngo birusheho kugirirwa icyizere n’ibigo by’imari.
Mbere yo gutangira gukoresha ikoranabuhanga mu bucuruzi bwe, Kamagaju Marie Claire yandikaga mu bitabo by’ibaruramari akurikije uko we yabyumvaga.
Gusa aho atangiriye gukoresha ikoranabuhanga, ubucuruzi bwe bwarushijeho gutera imbere ndetse n’ibigo by’imari bitangira kumugirira icyizere.
Mu nama ya mbere ku ikoranabuhanga mu by’imari FINTECH yabaye muri Kamena umwaka ushize, hafatiwe umwanzuro wo guteza imbere imikoreshereze y’ikoranabuhanga mu bigo bito n’ibiciriritse SME’s bigera ku bihumbi 5 bitarengeje ishoramari ry’amafaranga miliyoni 500.
Uhuriweho n’ikigo Monetary Authority cya Singapore, Banki Nkuru y’u Rwanda n’ikigo cya Rwanda Development Fund.
Guverineri wa Banki Nkuru y’u Rwanda, Soraya Hakuziyaremye avuga ko gukoresha ikoranabuhanga mu bucuruzi bituma ibigo by’imari birushaho kukugirira icyizere.
“Ubu ni bumwe mu buryo bw’igisubizo twatekereje nka BNR ko twagiramo uruhare kugira ngo ibigo byacu bito n’ibiciriritse bibone uburenganzira ku bikoresho bakeneye ndetse banifashishe uburyo buhari bwo kubona inguzanyo kuko murabizi ko mbaye mfite iduka mu nkengero za Kigali cyangwa ndi umunyamideri mu bice by’icyaro mu Rwanda, nkaba nifuza kwagura ubucuruzi bwanjye, ikibazo mbanza kubazwa ni ufite ingwate? Nyamara abikorera bakiri bato nta mitungo bafite, nta matungo, nta butaka ariko mu kwifashisha ayo makuru yo mu ikoranabuhanga, ushobora kumenya ubunyangamugayo bwabo muby’inguzanyo.”
“Turifuza kureba ko iyi mishinga igera ku nguzanyo biturutse ku makuru aba yakusanyijwe mu ikoranabuhanga bigatanga icyizere ko bazashobora kwishyura inguzanyo.”
Kugeza ubu, 30% gusa by’abakuze mu Rwanda ni bo bafite telefoni zigendanwa zigezweho kandi 53% by’Abanyarwanda ni bo bafite ubumenyi mu ikoranabuhanga.
Umuyobozi Mukuru wa Banki ya Kigali-BK, Dr. Diane Karusisi asanga aha ariho hagomba kwitabwaho niba ibigo by’ubucuruzi bito n’ibiciriritse byateza imbere imikoreshereze y’ikoranabuhanga.
93% by’ibigo by’ubucuruzi mu Rwanda no muri Afurika, biri mu cyiciro cy’ibigo bito n’ibiciriritse, nyamara 27% byabyo gusa ni byo bigerwaho n’inguzanyo z’ibigo by’imari n’amabanki.