Abaturage bo mu Karere ka Karongi, barasaba ko bakwegerezwa ibigo by’imari kuko bakora urugendo ruhwanye n’ibilometero 35 ngo bagere kuri banki, kuko umutekano w’amafaranga yabo ugerwa ku mashyi abenshi basubiye ku kubika mu ihembe n’ibimuga.
Aba baturage bavuga iyo bajya cyangwa bava kuri banki i Rubengera bakora urugendo rw’ibilometero 35 ariko iyo bagiye kuri SACCO i Mutuntu bakora ibilometero bisaga 12, ibi bysose bikaba bibateza iguhombo no kudatera imbere.
Aba ni abaturage bo mu i Santere y’ubucuruzi ya Gasenyi, ihuza imirenge 6 ariyo (Mutuntu, Gitesi, Ruganda, Gashari, Rugabano na Rwankuba) kubera ibyo bita icuraburindi bahezemo barasaba Leta ngo ibegereze ishami rya SACCO babashe kuruhuka urugendo bakoraga bajya cyangwa bajya kubikuza.
Kanyandekwe Emmanuel, utuye mu murenge wa Mutuntu, Akagari ka Byogo, Umudgudu wa Gasenyi we na bagenzi bavuga ko babangamiwe no kutagira ikigo cy’imari kibegereye, kuko bakora urugendo runini bamwe bikabaca intege ibyo kuzigama bakabivamo.
Ati “Muri iyi santere dufite ikibazo gikomeye cyane dufite abacuruzi, ibigo by’amashuri, ikigo nderabuzima ariko kugira ngo uzabone aho wabikuriza amafaranga ukora urugendo runini, ikibazo cyacu kizwi n’inzego zitandukanye kuko n’Abadepite twakibabwiye bakatubwira ko bagiye kudukorera ubuvugizi ariko imyaka 5 irihiritse ntacyo dufashijwe. Twahoranye ishami rya SACCO ariko ntitwamenye aho ryarengeye.”
kanyandekwe akomeza avuga ko kutagira ikigo cy’imari hafi bibateza igihombo, kuko ushobora gukenera kujya kubitsa cyangwa kubikuza ibihumbi 10 Frw ugategesha ibihumbi 6 Frw.
Habinshuti Narcisse ati “Mu myaka yatambutse twari dufite COOPEC ari naho twabitsaga udufaranga rimwe na rimwe tukanaguza amafaranga tukabasha kwiteza imbere, ariko ubwo SACCO zatangiraga bafashe ya COOPEC yacu bayihuza na SACCO babyimurira i Mutuntu ku murenge, rero iyo tuba dufite ishami ryari kutworohereza, ariko urugendo dukora tujya cyangwa tujya kubikuza bidutera ibihombo kandi inzego nyinshi zizi ikibazo cyacu, bagerageje no gushaka kuhashyira agashami ka banki y’abaturage ariko ntikakoze n’umunsi umwe, none abaturage besnhi basubiye kubika amafaranga muri gakondo bashyira mu ihembe cyagwa ikimuga, tukaba dusaba ko batuzanira ishami rya banki.”
Twamugabo Andre, umunyamabanga nshingwabikorwa w’Umurenge wa Mutuntu nawe yunga mury’aba baturage akavuga ko kuba badafite ikigo cy’imari biteye agahinda.
Ati “Ikibazo n’agahinda k’abatuye mu Gasenyi birazwi kandi biteye agahinda, gusa nk’ubuyobozi turimo kuganira na kimwe mu bigo by’imari ngo kihazane agashami ku buryo bitarenze 2023 bazaba baramaze kuribona nabo bakikura mu bwigunge.”
Twamugabo akomeza avuga ko nabo nk’ubuyobozi bahangayikishijwe no kuba iyi santere y’ubucuruzi ya Gasenyi nta kigo cy’imari kiharangwa kuko bituma abaturage bahomba iyo bajya cyangwa bava kubitsa no kubikuza kandi bigira ingaruka ku iterambere ryabo.
Mu 1998, Guverinoma y’u Rwanda yatangije gahunda yo guteza imbere urwego rw’imari no kwegereza serivisi zarwo abaturage kugira ngo Igihugu kigere ku ntego yo kugira ubukungu buciriritse, icyo gihe uretse kuba mu Rwanda harabarizwaga banki zitarenze eshatu n’abaturage ubwabo ntibari bafite umuco wo gukorana na zo.
Raporo ya FinScope Rwanda mu 2008, yagaragaje ko Abanyarwanda 14% bari bagejeje ku myaka y’ubukure ari bo bagerwagaho na serivisi z’imari binyuze mu bigo biciriritse na za banki, ni ukuvuga ko bari bafite za konti bigasobanura ko abandi basigaye bose bari bakibika amafaranga ku musego, mu bimuga, mu ngutiya n’ahandi.
Hashyizweho politiki ebyiri zo guteza imbere urwego rw’imari, iyo mu 1998-2012 ndetse n’indi ya 2013-2018. Zose zashyiriweho gukwirakwiza serivisi z’imari no kuzamura ireme ryazo no kuzigeza ku Banyarwanda bose ntawe usigaye inyuma.
Imibare ya Banki Nkuru y’Igihugu mu 2020, igaragaza ko abagera kuri serivisi z’imari ari 93%. Abo barimo abakorana banki, ibigo by’imari biciriritse, amakoperative nk’Umurenge Sacco n’Umwarimu Sacco ndetse n’ibimina.
Abakorana n’ibigo by’imari byanditse birimo ama banki n’ibiciriritse bo bageze kuri 77%.
Iyi raporo ya BNR kandi igaragaza ko Abanyarwanda 36% [ ni ukuvuga abarenga miliyoni 2,6 bagejeje imyaka y’ubukure] bafite za konti muri banki.
Birakwiye ko babegereza ishami ry’ikigo cy’imari, harikobhakanarebwa ko nta handi nabo bafite ikibazo nk’iki, ariko mu gihe batarabona ikigo cy’imari havagira inama yo kuba bakoresha mobile money.