Rwanda Youth Financial Inclusion Report igaragaza ko abari muri cyiciro cy’urubyiruko babarirwa muri 50% ari bo bizigamira biciye mu nzira zizwi zisanzwe nk’iza banki, mu gihe 55% usanga bazigama mu buryo butemewe cyangwa ubuciye mu nzira zitazwi zirimo ubuzwi nka banki ramberi n’izindi.
Urubyiruko rukunze kuvugwaho kutizigamira, aho usanga n’ababikora bagorwa no guhozaho abandi ugasanga ntibabikoreye ingamba z’iterambere nk’uko n’ubundi byagarutsweho n’ikigo cyavuzwe haguru.
Malik Shaffy, Umuyobozi w’Ikigo Nyafurika cy’Imiyoborere ku rwego rw’igihugu (AMI), yadusangije inama z’ingenzi zagufasha kwizigamira n’ubwo atirengagiza ko hari byinshi bishobora kubera intambamyi urubyiruko rukananirwa kubigeraho.
Izi ni zimwe mu nama zatanzwe na Malik, urubyiruko rushobora gukurikiza rukabasha kwizigamira hagamijwe iterambere mu buzima bwabo.
Kubaho mu buryo bwawe
Ni ngombwa ko umenya uburyo upangira ingengo y’imari yawe, ukamenya kwita ku mafaranga ukoresha nk’umuntu ukiri muto bitewe n’ibyo winjiza. Malik yizera ko kubasha kubaho mu buryo bwawe wirinda gukoresha ibyo udafite ariko ukirinda cyane gukoresha ibyo ufite byose.
Ati “twirebera ku buryo abatunze za miliyoni bakoresha amafaranga yabo kandi twebwe tudatunze nka bo.” Aha ni ho ahera avuga ko umuntu yagakoresheje amafaranga ashingiye ku yo yinjiza n’ibishoboka yayakoreshamo nubwo atanirengagiza ko umuntu akwiye gukora ibimunezeza, icyakora akibutsa ko bikwiye gukoranwa ubushishozi hagendewe ku byo umuntu afite cyane ko hataba hakenewe iby’ikirenga kugira ngo umuntu yishime.
Ni byiza gufata igihe cyo kwiga
Hari byinshi abantu badasobanukirwa ku ngingo yo kwiga ibijyanye no kwizigamira ari na cyo Malik ashingiraho avuga ko umuntu akwiye gukotana ashakisha uko yamenya ibyisumbuye ku ngingo irebana n’imikoreshereze y’amafaranga by’umwihariko iyo kwizigamira.
Ati “mureke dufate igihe cyacu twegere ibigo bitandukanye byigisha ibyo kwizigama nka za banki n’ibindi bigo bitanga uburyo butandukanye bwo kwizigama.” Ibi bishobora gufasha umuntu gutahura uburyo bwiza bwo kwizigamira no kubona inyungu zibikomokaho.
Dukwiye kugira intego z’igihe kirekire
Malik Shaffy avuga ko imwe mu nama zagufasha kwizigamira, ari ukugira intego z’igihe kirekire kubera ko bifasha umuntu gusobanukirwa impamvu yo kwizigamira. Ati “ntushobora kwizigamira udafite intego y’igihe kirekire kabone n’ubwo iyo yaba ari iyo kwigurira inkweto.
Akomeza avuga ko kwiha intego bifasha umuntu guhozaho kubera ko bifasha kuzigamira ikintu runaka ufitiye inyota.
Ati “ntabwo ushobora kubyuka ngo uhite ugura inkweto nziza ubonye kubera ko ari nziza gusa.”
Malik yashimangiye ko kuzigama amafaranga yo kugura ubutaka, imodoka, kuzigama amafaranga ashobora kukugoboka cyane ko ibyago bidateguza no kuzigamira izindi ntego zose ari ibintu bishoboka, avuga ko iyo ubitekereje hakiri kare, uzigama mu buryo buboneye kandi buhoraho.
Malik Shaffy yemeza ko kwizigamira ku rubyiruko bishoboka igihe cyose rubishyizemo ubushake
