Nubwo bishobora kumvikana nk’aho u Rwanda rugeze ahantu hashimishije mu bijyanye no kwishyurana hakoreshejwe ikoranabuhanga, mu ntangiriro ntibyari byoroshye kuko umubare w’abarikoresha ndetse n’imashini zifashishwa muri ubu buryo byose bisa nk’aho byavuye kuri zeru.

Urugendo rw’u Rwanda mu kwimakaza gahunda yo kwishyura hakoreshejwe ikoranabuhanga rwatangiye mu 2008.

Kugira ngo wumve neza ko muri uyu mwaka ibijyanye no kwishyura hakoreshejwe ikoranabuhanga byari hasi, nyuma y’imyaka itatu iyi gahunda itangijwe mu 2011 agaciro k’ibikorwa byo kwishyurana hakoreshejwe ikoranabuhanga ugereranyije na GDP kari kuri 0.3%.

Kuba umubare w’abakoreshaga ikoranabuhanga mu kwishyura n’izindi serivisi z’imari wari ukiri hasi bifite imvano, mu 2010 mu Rwanda hose habarurwaga ibyuma 84 bikoreshwa mu kubikuza amafaranga mu gihe umubare w’aho umuntu yashoboraga gusanga utundi tumashini dukoreshwa muri ibi bikorwa tuzwi nka POS hari 99 gusa.

Kuba ikoreshwa ry’ikoranabuhanga mu guhererekanya amafaranga no kugera kuri serivisi by’imari byari bikiri hasi mu Rwanda byatumaga umubare w’abatari bake utagerwaho na serivisi z’imari ndetse bigateza n’ibihombo bitandukanye nubwo kugeza n’uyu munsi bitaracyemuka ijana ku ijana.

Inyigo yakozwe na BNR yagaragaje ko umucuruzi ahomba 6% y’amafaranga yacuruje uwo munsi bitewe no kuba bamubeshya bakamwishyura make, kuba bamuha amafaranga y’amiganano, kuyamwiba, umwanya wo kuyabara n’ibindi.

Iyi nyigo yagaragaje kandi ko ku mwaka BNR isohora amafaranga miliyari ebyiri ijya gukoresha inoti nshyashya zisimbura iziba zashaje kubera guhererekanywa mu ntoki.

BNR yanagaragaje ko kubera guhererekanya amafaranga mu ntoki, banki zihomba miliyari 15 Frw buri mwaka agenda mu kwishyura abakozi n’ibikorwa byifashishwa habungabungwa umutekano w’amafaranga y’abakiliya, hubakwa amashami hirya no hino n’ibindi.

Ibijyanye no kwishyura hakoreshejwe ikoranabuhanga byatangiye gutera imbere hagati y’umwaka wa 2012 na 2016, agaciro k’ibikorwa byo kwishyurana hakoreshejwe ikoranabuhanga ugereranyije n’Umusaruro Mbumbe w’Igihugu kagera kuri 16.1%.

Muri uyu mwaka kandi umubare w’abahagarariye amabanki bazwi nk’aba-agents wageze ku bantu 1448, mu gihe aba-agents batanga serivisi za Mobile Money bageze kuri 59 952.

Ikindi cyarushijeho kuzamuka ni umubare w’abakoresha amakarita ya banki mu kwishyura ibintu bitandukanye, abakoresha Debit cards bavuye kuri 41 377 bagera kuri 746 458; uw’abakoresha Credit cards wavuye kuri 172 ugera kuri 3 668.

Umubare w’abakoresha uburyo bw’ikoranabuhanga bwa Mobile Banking wavuye kuri 248 689 ugera ku bantu 980 671.

Kugera muri uyu mwaka wa 2016 umubare w’aho umuntu ashobora gusanga za mashini za POS wari umaze kugera ku hantu 1885 ndetse abacuruzi 1 059 baramaze kwiyandikisha mu kwishyurwa muri ubu buryo.

Mu mwaka wa 2018/2019 binyuze mu ngamba zitandukanye Guverinoma y’u Rwanda yagiye ishyiraho, ikigero cyo kwishyurana hakoreshejwe ikoranabuhanga cyavuye kuri 16.1% kigera kuri 34.6%, nyuma y’umwaka umwe mu 2020 uyu mubare wongeye gutumbagira ugera kuri 54% ahanini biturutse ku ngamba zafashwe mu rwego rwo gushishikariza abantu gukoresha ikoranabuhanga mu kwishyurana mu gihe cya “Guma mu rugo” hirindwa ikwirakwira ry’ubwandu bwa COVID-19.

Muri uyu mwaka wa 2020 kandi umubare w’imashini za POS wiyongereyeho 29%, aho wavuye kuri 3 046 ugera kuri 3 929.

Kugeza ubu umubare w'imashini za POS zikoreshwa mu kwishyurana ugenda ziyongera

COVID-19 yazamuye imikoreshereze y’ikoranabuhanga mu kwishyurana

Nubwo icyorezo cya COVID-19 cyasanze u Rwanda ruri mu nzira nziza iganisha ku gukoresha ikoranabuhanga mu kwishyura ibicuruzwa bitandukanye na serivisi, umuntu aramutse avuze ko cyihutishije umuvuduko byari biriho ntiyaba abeshye.

Imibare yerekana ko ubwo COVID-19 yageraga mu Rwanda muri Werurwe 2020 umubare w’abakoresha ikoranabuhanga mu kwishyura warushijeho kwiyongera ahanini bishingiye ku kuba Banki Nkuru y’Igihugu yarakanguriye abantu kwirinda guhererekanya amafaranga mu ntoki kuko bishobora kwanduza, bikanakwirakwiza iki cyorezo.

Ikoranabuhanga ryarushijeho gukoreshwa cyane kandi igihe abantu bari muri Guma mu rugo, cyane ko abenshi bahahaga bakoresheje imbuga zicururiza kuri murandasi.

Mu bihe bya COVID-19 umubare w’abahererekanya amafaranga kuri telefoni n’abakoreshaga konti zabo bifashishije ikoranabuhanga rya Mobile Banking wariyongereye cyane cyane mu gihembwe cya mbere cya 2020.

Imibare y’Urwego Ngenzuramikorere, RURA, igaragaza ko hagati ya Mutarama na Mata 2020 umubare w’amafaranga ahererekanywa hakoreshejwe telefoni ibizwi nka Mobile Money, yiyongereyeho 450% agera kuri miliyari 40$.

Raporo y’Ikigo insight2impact igaragaza kandi ko ugereranyije icyumweru kimwe mbere y’uko Guverinoma ifata gahunda yo gushyiraho Guma mu rugo no mu cyumweru kimwe nyuma ya Guma mu rugo, umubare w’abahererekanya amafaranga abakoresheje telefoni wikubye kabiri uva ku bihumbi 600 ugera kuri miliyoni 1.2.

Byageze mu cyumweru cya nyuma cya Mata 2020 umubare w’abakoresha ubu buryo bw’ikoranabuhanga ubarirwa muri miliyoni 1.8.

Muri iki gihe kandi umubare w’abakoresha Mobile Banking wazamutseho 29,1%, umubare w’amafaranga ahererekanywa muri ubu buryo na wo wiyongereyeho 48,8% ugera kuri miliyari 3,024 Frw.

Uku kuzamuka kw’abakoresha ikoranabuhanga mu guhererekanya amafaranga byatijwe umurindi ahanini n’ingamba BNR yari yafashe yo gukuraho igiciro cyishyurwa n’abahererekanya amafaranga kuri telefoni.

Umuyobozi Mukuru Ushinzwe serivisi z’Imari muri Minisiteri y’Imari n’Igenamigambi, Eric Rwigamba, aherutse kubwira The New Times ko iyi ntambwe u Rwanda rwateye mu 2020 mu bijyanye no kwishyura hakoreshejwe ikoranabuhanga itazasubira inyuma no muri uyu mwaka 2021 kuko abenshi bamaze kubona ibyiza byayo.

Kuba abantu benshi baritabiriye gukoresha ikoranabuhanga bivuze ko hari umubare munini w’abahererekanyaga amafaranga mu ntoki wagabanutse, ari nako u Rwanda rugenda rukabya inzozi rwihaye ko bizagera mu 2024 kwishyura hakoreshejwe ikoranabuhanga biri ku kigero cya 80%.

Mu bihe bya COVID-19, abantu barushijeho kwitabira kwishyura bakoresheje ikoranabuhanga, aha uyu mukobwa yishyuraga umumotari wari umaze kumutwara