Urubyiruko nk’urugize umubare munini w’abaturarwanda ruhora ruhanzwe amaso mu iterambere ry’igihugu mu nzego zitandukanye ndetse rushyirirwaho amahirwe arufasha kugera ku nzozi zarwo.
Kugeza ubu u Rwanda rwakoze iyo bwabaga kugira ngo ubushomeri n’ibindi bibazo byugarije urubyiruko bigabanuke binyuze mu bikorwa bitandukanye bigamije kurufasha kwiteza imbere no mu gukorana n’ibigo by’imari.
Nubwo bimeze bityo urubyiruko rukunze kugaragaza impungenge ku gukorana n’ibigo by’imari bitewe no kutarugirira icyizere.
Umuyobozi Mukuru wa Equity Bank Rwanda, Hannington Namara, avuga ko urubyiruko rukwiye kwitinyuka rugaharanira kumenya amahirwe ari mu gukorana na banki.
Yavuze ko mu gukorana na banki hari inzitizi ariko zidakwiye kuba inkomyi ku rubyiruko.
Ati “Inzitizi zibamo ubundi, banki zitanga ubufasha bw’amafaranga ku bitekerezo byiza zibyara amafaranga. Ahanini buri muntu afite icyo gitekerezo byakabaye byiza, ariko hari igihe umuntu adatekereza neza akavuga ati ‘njyewe ngiye gukora uruganda rukora intebe’ ariko ugasanga ntiyibajije icyo bisaba gushora. Ese wabonye isoko? Kwiga kuri icyo gitekerezo cyose ni ho mbona inzitizi ya mbere.’’
“Umuntu aza afite icyifuzo ariko wabishyira mu nyurabwenge dukoresha ya “Risk Management” ugasanga ibitekerezo byuzuye kuba byateza ibibazo gusa, ku buryo unamuhaye iyo nguzanyo ahubwo waba umushoye mu bibazo kurushaho n’utwo yari afite dukeya natwo tukaburiramo.’’
Yavuze ko urubyiruko rufite ubumenyi, ruzi gukoresha ikoranabuhanga ariko rukeneye gushyira imbaraga mu bitekerezo bishobora kubyara imishinga myiza ijyana n’imicungire y’amafaranga.
Yakomeje ati “Icya kabiri ni ukugira uburyo bw’imikoreshereze y’amafaranga. Burya amafaranga ibiyatwara biba ari byinshi iyo udafite uburyo bw’imikoreshereze yayo ngo umenye ngo mpawe miliyoni 10 Frw, ngiye kuzikoresha iki kibyare iki ntakuyemo make ngo njye kuguramo agakoti, aho ni ho hantu hakigoye ku rubyiruko.’’
Namara yavuze ko hakenewe kunoza uburyo urubyiruko rubona inguzanyo kuko ubushabitsi bukomeye buhari bwatangijwe n’abantu kandi benshi bari bakiri bato.
Yagaragaje ko hari n’ibindi urubyiruko rwakorana na banki kandi rukiteza imbere.
Ati “Urugero nk’ubu banki ikenera ibikoresho byinshi bitandukanye; byaba ibifatika cyangwa na serivisi runaka. Ni gake usanga urubyiruko ruza gukomanga ngo ruvuge ruti ‘ariko ko mukeneye impapuro nazibagurisha? Ko mushaka ibikoresho runaka, POS, nabibagurisha?’ Banki ikorana n’abantu bose.’’
Yavuze ko urubyiruko rukwiye kwitinyuka rugafata iya mbere rukajya gusaba ayo mahirwe cyangwa iryo soko.
Ati “Amahirwe aba ahari tuyabona ariko natwe ntituyamenyakanishe mu buryo bukwiye. Hari urubyiruko maze gukorana narwo kenshi, uramubwira uti ‘genda ukore iki turaguha amasezerano’ kandi bikabahira yabikora ukabona biciyemo gusa nyine ni imyumvire yo kwihangira imirimo ikwiye kujya mu bantu.’’
Namara yavuze ko urubyiruko rukwiye gukora akazi ariko rukanatekereza byagutse ku cyaruteza imbere binyuze mu mirimo rwihangiye.
Ati “Urubyiruko mbona muri iki gihugu rufite amahirwe menshi cyane ariko ubushake bwo kuyashaka no kuyakurikira haracyarimo ikibazo.”
Urubyiruko rugirwa inama yo gutangira kwizigamira hakiri kare kugira ngo rwihaze mu bijyanye no gukora ishoramari ryabo nta nkomyi.
