U Rwanda rwahinduye amateka yarurangwagamo n’ibikomere rukaba kimwe mu bihugu bifite iterambere ryihuse muri Afurika, bigaragarira mu mahame arugenga no mu bushake bwo kwiyubaka. Dushingiye ku bunararibonye dufite mu nganda z’imari, twasanze u Rwanda ari ahantu heza ho gukorera inguzanyo hifashishijwe ikoranabuhanga.
Imiyoborere myiza n’iyubahirizwa ry’amategeko bigaragara mu Rwanda bituma habaho icyizere ku isoko ry’imari. Abanyarwanda bazwiho kubaha amategeko, bikabatera kwishyura inguzanyo ku gihe kugira ngo birinde ingaruka z’amategeko.
Iyi mpuzandengo y’umutekano, kubahiriza amategeko no kugira abakiriya bubahiriza inshingano zabo ituma u Rwanda ruba ahantu heza ku bagurizabikorwa bashaka gutanga inguzanyo hirya no hino muri Afurika banageraho inyungu.
Imari n’Inguzanyo bishingiye ku Ikoranabuhanga biri gutera imbere mu Rwanda
U Rwanda rwateye intambwe ishimishije mu rwego rw’imari, aho rufite ibigo birenga 45 by’imari iciriritse byemerewe kwakira amafaranga (Deposit Taking Microfinance Institutions) na SACCO zisaga 416 zitanga serivisi zo kwizigamira no kugurizanya. Muri ibyo bigo, Standard Life Rwanda irihariye, ikaba ikoresha ikoranabuhanga rya Lendsqr, kandi iri mu bagurizabikorwa bari kwiyongera vuba mu gihugu.
Kubera urwo rwego rwashyizweho n’icyizere abaturage bagirira izi serivisi, si igitangaza kubona inguzanyo z’ikoranabuhanga ziri gutera imbere. Ariko, mu isoko ririmo amarushanwa menshi kandi rikora cyane, kwigaragaza si ibintu byoroshye. Ariko kandi, birashoboka.
1. Gutanga Serivisi zoroshye kandi zisobanutse
Kugira uburyo bworoshye kandi bunoze abakiriya banyuramo ukoresheje urubuga rwa interineti cyangwa porogaramu ya telefone ni ingenzi cyane mu kugumana abakiriya no kubaka ubudahemuka. Ibi bivuze ko ugomba gutuma gusaba inguzanyo, kureba amafaranga asigaye cyangwa kwishyura byoroha kandi bisobanutse.
Ibi ni ingenzi cyane mu Rwanda, aho abantu benshi bifuza ibintu byoroshye, bitavunanye. Iyo uburyo bwo gukoresha serivisi ari busobanutse, abakiriya barushaho kwizera serivisi zawe, ntibahura n’ibibazo byinshi, kandi basaba inguzanyo vuba, ntihagire amakosa abaho, ibyo byose bikaba byiza kuri buri wese.
2. Gutanga ibicuruzwa byubakiye ku byifuzo by’abanyarwanda
Nubwo ikoranabuhanga rifite uruhare runini, igikenewe ni uko serivisi zitangwa zikemura ibibazo nyakuri abantu bafite. Niba ushaka guhangana ku isoko, tekereza ku buryo wanoza inguzanyo zijyanye n’imibereho y’abakiriya bawe, nk’abahinzi, abacuruzi bato, n’abakoresha amafaranga make buri munsi.
Ibi bisaba kumenya ibyo isoko rikeneye no gutanga ibisubizo bifatika, si ukurambika serivisi zihambaye zidahuye n’uko abantu babayeho.
3. Kubahiriza amategeko agenga inguzanyo mu Rwanda
Icyizere mu bucuruzi cyubakwa ku kubahiriza amategeko. Mu Rwanda, BNR (Banki Nkuru y’u Rwanda) ni yo igenzura ibigo bitanga serivisi z’imari, harimo n’abatanga inguzanyo hifashishijwe ikoranabuhanga. Ugomba kugira uruhushya rukwemerera gukora, gutanga amakuru asobanutse ku byo utanga, no kurengera umukiriya.
Iyo wubahiriza amategeko neza, ubona icyizere ku isoko, wirinda ibihano kandi bigufasha kwiyubakira izina rirambye.
4. Kwita ku mukiriya n’ubunyangamugayo
Mu muco nyarwanda, umuntu agira agaciro. Kugira ngo umukiriya yizere serivisi zawe, agomba kumva ko yitabwaho. Ibi bivuze gusobanurira umukiriya inguzanyo arimo gusaba, kumubwira neza igihe abajije, no guhora umuha serivisi nziza.
Abanyarwanda bashyira imbere ubunyangamugayo. Niba serivisi zawe zishingiye ku kwizera, kumvira umukiriya no kumufasha kumva ibijyanye n’amasezerano, uzubaka umubano urambye kandi uzajya aguhitiramo n’igihe afite andi mahitamo.
5. Gukoresha ikoranabuhanga ribereye isoko ryo mu Rwanda
U Rwanda ruri mu bihugu bifite ikoreshwa rya telefone ngendanwa riri hejuru. Abantu benshi bakoresha Mobile Money kurusha konti za banki. Kubw’ibyo, niba ushaka gutanga inguzanyo mu buryo bw’ikoranabuhanga, tekereza ku buryo serivisi zawe zihuza na Mobile Money, USSD (*xxx#), cyangwa porogaramu zoroheje zitavunanye.
Ikoranabuhanga ukoresha rigomba:
- Gutuma gusaba no kwishyura inguzanyo bikorwa vuba
- Kuba rikoreshwa kuri telefone isanzwe
- Kugira interineti idasaba ubushobozi buhanitse
- Gukoresha Ikinyarwanda n’Icyongereza
- Kurinda amakuru y’umukiriya
Abanyarwanda bategereje…
Kwigaragaza nk’umugurizabikorwa utandukanye mu Rwanda bisaba byinshi kuruta gusa kugira ikoranabuhanga rigezweho. Bisaba gusobanukirwa isoko, kwita ku mukiriya, gukorera mu mucyo no kubahiriza amategeko.
U Rwanda ni igihugu gifite amahirwe menshi ku bagurizabikorwa, ariko ibyo ugeraho bishingira ku buryo wubaka serivisi zitanga agaciro nyako ku bantu. Niba ubyitwayemo neza, ushobora kugera ku bikorwa birambye mu gihugu kiri mu nzira nziza y’iterambere.
