Umuyobozi Ushinzwe serivisi zo kwishyurana muri Banki Nkuru y’u Rwanda, Fabrice Tuyizere Majyambere, yavuze ko za SACCO na zo ziri kwinjizwa mu ikoranabuhanga ryo kwishyurana rya e-Kash mu rwego rwo gukomeza guteza imbere ikoranabuhanga ry’izi koperative.
Yabitangaje kuri uyu wa Kane tariki 8 Ukwakira 2026, mu kiganiro Banki Nkuru y’u Rwanda yagiranye n’abanyamakuru, akomoza ku buryo bukomeje gushyirwaho bwo korohereza abahererekanya amafaranga, hagabanywa ikiguzi bacibwaga, kandi bigakorwa mu buryo bwihuse.
Guhera ku wa 14 Nyakanga 2026, nibwo u Rwanda rwatangiye gukoresha uburyo bushya bwo kwishyurana amafaranga bwihuta kandi buhuriweho n’ibigo by’imari bitandukanye mu Rwanda, bwiswe e-Kash.
Ubu buryo buhuriweho n’ibigo by’imari n’ibindi bitanga serivisi zo kohererezanya amafaranga, bufasha kuyahererekanya ku kiguzi gito cyane cya 20 Frw kuri buri gikorwa gikozwe, ku mafaranga atarenze miliyoni 10 Frw ku gikorwa kimwe.
Tuyiziere Fabrice ushinzwe serivisi zo kwishyurana muri BNR, yabwiye itangazamakuru ko nyuma y’uko ubu buryo butangijwe mu bigo by’imari binini ndetse n’ibiciriritse hatangiye gushyirwamo za SACCO, gusa zitarajyamo zose ariko biri gukorwa ku buryo hari izatangiye.
Yagize ati “Uyu munsi hariho SACCO z’Umujyi wa Kigali zimaze kugerwaho, turi no kugenda twongeraho n’izindi mu gihugu, tuzakurikizaho Intara y’Amajyaruguru, n’ahandi ku buryo abantu bose bashobora kwishyurana binyuze muri wa muyoboro wa e-Kash mu bigo bitandukanye bya serivisi z’imari.”
Yavuze ko uretse koroshya uburyo bwo kwishyurana, iri koranabuhanga rya e-Kash ryanatanze amahirwe yo guhigana ku bigo bitanga serivisi z’imari, kuko rikoreshwa ku kiguzi gito bigatuma abakiriya benshi bariyoboka aho gukomeza gukoresha uburyo busanzweho buri ku kiguzi cyo hejuru, ibi bikaba byanatuma abacaga ikiguzi kinini bakigabanya.
Yagize ati “Niba ufite amahirwe yo kuba wakohereza amafaranga hagati ya Banki n’ikigo runaka cy’itumanahao ugatanga amafaranga 20 Frw, biragoye ko wahitamo gukoresha aho bari buguce ikiguzi kiri hejuru y’ayo mafaranga. Aya mahirwe yaje kugira ngo bya bigo bigifite ibiciro byo kohereza amafaranga biri hejuru bibashe gutanga serivisi zijyanye n’ubushobozi bw’abafatabuguzi.”
Minisitiri w’Intebe Dr. Justin Nsengiyumva aherutse kubwira Inteko Ishinga Amategeko, yagaragarijwe ikibazo cy’ibigo by’itumanaho bigica ikiguzi kiri hejuru abafatabuguzi bacyo mu gihe bohererezanya amafaranga, aho Senateri Evode Uwizeyimana, yatungaga agatoki sosiyete y’itumanaho ya MTN Rwanda.
Inzego zitandukanye zihuriza kuri iki gisubizo cy’uko ikoreshwa rya e-Kash rizashyira ku gitutu abagifite ikiguzi gihenze, nabo bakagabanya kuko nta mufatabuguzi uzaba agishaka gukoresha uburyo bumuhenze areba ubuhendutse.
Kugeza muri Nzeri 2026, hari hamaze gukorwa ibikorwa miliyoni 28.9 byo guhererekanya amafaranga hakoreshejwe e-Kash, aho 97.8% byabyo byagenze neza.
Ikoreshwa rya e-Kash ryateye imbere cyane hagati ya Kamena 2025 na Kamena 2026. Abakoresha iyi serivisi biyongereyeho 49%, bava kuri miliyoni 2.17 bagera kuri miliyoni 3.25, mu gihe umubare w’ibikorwa by’amafaranga bikorwa buri kwezi wiyongereyeho 72%, uva kuri miliyoni 2.9 ugera kuri miliyoni 5.
Muri icyo gihe, agaciro k’ibikorwa by’amafaranga (transaction) kiyongereyeho 318%, kava kuri miliyari 11 Frw kagera kuri miliyari 46 Frw.
Ikoranabuhanga muri za SACCO rigiye kwiyongera
Banki Nkuru y’u Rwanda igaragaza ko hakomeje gukorwa byinshi mu guha za SACCO ubushobozi bufatika mu gutanga serivisi z’imari binyuze mu ikoranabuhanga, aho hateganyijwe no kuzihuza n’ibindi bigo by’imari ku buryo hagati yabyo byahererekanya amafaranga cyange hagati ya za SACCO zitandukanye.
Hari kunozwa kandi uburyo zakoresha ikoranabuhanga rya telefoni aho abanyamuryango ba SACCO bazajya bakoresha konti zabo bari aho ariho hose bidasabye kujyayo, bakaba babitsa bakanabikuza.
Ibi bije nyuma y’uko zihurijwe hamwe mu turere, bikoroshya uburyo bwo kuzicunga no kuzigezamo iri koranabuhanga ryose.
Ubu, Imirenge SACCO yose uko ari 416 yamaze guhurizwa hamwe ku rwego rw’uturere, aho ubu zisigaye ari SACCO z’uturere 30 zonyine.
Banki Nkuru y’u Rwanda yatangaje ko guhuriza hamwe za SACCO muri buri Karere byatanze umusaruro ufatika harimo kuba inyungu ku nguzanyo yaragabunutse. Zikiri mui mirenge, inyungu ku nguzanyo yari 24%, ariko ubu aho zibereye imwe muri buri Karere inyungu iri hagati ya 14%na 15%.
Inguzanyo abaturage babona nazo zariyongereye, kuko abanyamuryango babaye benshi babumbiye hamwe.
Guhuriza hamwe izi SACCO kandi byafashije koroshya uburyo bwo kunoza imiyoborere n’imicungire yabyo, itari yoroshye zikiri muri buri murenge.
Umurenge SACCO watangiye gukora mu 2008, ufasha abaturage batuye mu bice bitandukanye kwizigama no kuguza ku giciro gito hagamijwe kwiteza imbere.
