Guverineri wa Banki nkuru y’u Rwanda, BNR, Solaya Hakuziyaremye, yatangaje ko kuva mu 2008 kugera mu 2024 umubare w’Abanyarwanda bagera kuri serivisi z’imari wiyongeyeho 75%, aho wavuye kuri 21% bagera kuri 96% muri icyo gihe.
Guverineri Hakuziyaremye yavuze ko mu 2008 Umunyarwanda umwe muri batanu ari we wageraga kuri serivise z’imari, mu gihe mu 2024, icyenda mu icumi ari bo bazigeragaho.
Kimwe mu bindi by’ingenzi ni uko serivisi z’imari zemewe n’amategeko (nk’amabanki n’uburyo bwo kubika amafaranga kuri telefone) zikoreshwa n’abaturage bagera kuri 92%.
Uru rugendo rw’imyaka 16 rugaragaza intego ya Leta yo kuva mu bukungu bwishingikirije ku mafaranga yo mu ntoki (inoti n’ibiceri), ikerekeza mu bukungu bugezweho bukoresha ikoranabuhanga.
Ikindi cyagize uruhare rukomeye mu kwihutisha no kongera umubare w’abagera kuri serivisi z’imari ni amashyirahamwe yo kuzigama no kugurizanya nk’Umurenge SACCO.
Mu 2009 ni bwo leta y’u Rwanda yashyizeho ikigo cy’imari cyemewe muri buri murenge mu gihugu hose.
Ibi byafashije leta gukuraho imbogamizi zirimo urugendo rurerure abaturage cyane cyane abo mu cyaro bakoraga bajya gushaka serivisi z’imari.
Iyi gahunda kandi yatumye Abanyarwanda babarirwa muri za miliyoni binjira mu rwego rw’imari ruzwi, bituma babona aho babika amafaranga yabo mu buryo bwizewe kandi babona n’inguzanyo nto zibafasha kwiteza imbere.
Muri iyo myaka kandi hongewe uburyo bw’ikoreshwa ry’ikorababuhanga mu guhererekanya amafaranga haba mu kwishyura no gusaba izindi serivise zijyanye n’imari hakoreshejwe telefone.
Mu gihe amashyirahamwe arimo za SACCO yari arimo gufasha abaturage kubona aho bizigamira amafaranga yabo, hari hakenewe uburyo bwo kubafasha kuyageraho batiriwe bajya kuri banki. Ikoranabuhanga ni kimwe mu byatumye serivisi z’imari zigera ku bantu benshi cyane kandi vuba.
Uburyo bwo guhererekanya amafaranga kuri telefone (Mobile Money) bwabaye umusemburo w’iri terambere, aho 86% by’abaturage bamaze gukoresha izi serivisi, naho 77% bakaba bafite konti zabo bwite zibanditseho.
Muri urwo rugendo kandi hashyizwe imbaraga mu gushishikariza Abanyarwanda kwitabira serivise z’ubwizigame n’ubwishingizi bw’igihe kirekire.
Mu myaka ya vuba, intego hashyizwe imbaraga zikomeye ku kuva ku guhererekanya amafaranga gusa, ahubwo hakibandwa ku mutekano w’imari w’igihe kirekire.
Ishyirwaho rya gahunda y’ubwizigame bw’igihe kirekire ya “Ejo Heza” yafashije mu kongera umubare w’abiteganyiriza izabukuru, aho bavuye kuri 7% mu mwaka wa 2020 bakageza kuri 26% mu mwaka wa 2024.
Mu buryo nk’ubwo, porogaramu nk’Ubwishingizi bw’Ubuhinzi n’Ubworozi mu Rwanda (NAIS) yafashije mu kongera umubare w’abakoresha serivise z’ubwishingizi bw’ibihingwa n’amatungo yabo aho bageze kuri 27%.
Hagabanyijwe kandi ubusumbane mu kugera kuri serivisi z’imari bwagaragaraga hagati y’abagore n’abagabo, ibyafashije abagore cyane cyane abo mu cyaro kuzigeraho binyuze mu kuguza amafaranga mu bigo by’imari bakihangira imishinga mito n’iciriritse ibafasha mu kwiteza imbere.
N’ubwo ibi byagezweho u Rwanda rwihaye gahunda yo gukomeza kureba uko Abanyarwanda barushaho gukoresha serivise z’imari mu buzima bwabo bwa buri munsi, kuko kugeza ubu Abanyarwanda 92% barakishyura bakoresheje amafaranga yo mu ntoki ndetse 18% gusa by’abakozi ni bo bahembwa mu buryo bw’ikoranabuhanga.
U Rwanda rwihaye intego yo kuba kimwe mu bihugu bifite ubukungu buringaniye mu 2035, n’ubukungu bwo mu rwego rwo hejuru mu 2050.
