Simon Kamuzinzi
Usanzwe ukanda *182*1*2# ukohereza amafaranga hagati ya MTN Mobile Money na Airtel Money, cyangwa *182*4*2# ushaka kuyavana kuri Mobile Money/Airtel Money uyashyira kuri Banki, cyangwa ushaka kuyakura kuri banki uyayishyira kuri Mobile Money/Airtel Money ugakanda *182*4*3#, ariko ntumenye ngo ‘iyo serivisi yitwa gute?’
Ni eKash y’Ikigo RSwitch, kandi ntabwo mvuze ibyo ikora byose ndetse nta n’ubwo biraza byose, ariko ngo mu mezi nka 6 cyangwa umwaka umwe imbere aha, nk’uko inzego zibishinzwe zabitangaje, gukora ku noti cyangwa ku biceri mu ntoki bizaba bitakiri ngombwa.
Ikiguzi cyo koherereza umuntu amafaranga 5,000Frw kizaba cyagiye hasi y’amafaranga 100 kandi cyarabaye kimwe hagati ya Mobile Money/Airtel Money, amabanki yose, za SACCO zose n’ibindi bigo by’imari byo mu Rwanda, nk’uko Umuryango ufasha Abanyafurika kwishyurana mu buryo bw’ikoranabuhanga, AfricaNenda, ubiteganya.
Kuri uyu wa Gatanu inzego zirimo Minisiteri y’Ikoranabuhanga na Innovasiyo, ibigo by’Imari ndetse n’ibiteza imbere serivisi z’ikoranabuhanga mu by’imari, batangije ku mugaragaro serivisi ya eKash izafasha umuntu wese ufite amafaranga kuri telefone cyangwa kuri Banki kutazongera kuyabikuza ngo yongere ajye kuyashyira ku yindi banki cyangwa kuri telefone.
Umuyobozi w’Ikigo RSwitch, Blaise Gasabira, avuga ko Mobile Money, Airtel Money, ibigo by’imari bito n’amabanki manini, bizaba byahujwe na RSwitch mu mwaka utaha wa 2026, kugira ngo biruhure abantu bagorwaga no kubikuza kuri Mobile Money na Airtel Money bakajyana amafaranga mu ntoki kuri Banki kwishyura serivisi zitandukanye.
Gasabira yagize ati “Turagira ngo tworohereze umuturage wese w’umunyarwanda ufite amafaranga, aho yaba abitsa aho ari ho hose, bitamusaba kuyavana hamwe nko ku mu agent ajya kwishyura” aho bayamusabye.
Yakomeje agira ati “Tumaze gushyira hamwe amabanki atari make(agera kuri 30), vuba aha na za SACCO zizaba ziriho, na Airtel, MTN na zo ziriho ziratugana, na Equity,…vuba aha mu mwaka utaha ibigo byose bizaba bishobora kohererezanya amafaranga, yaba kuri za code zo mu maduka, amanimero ya telefone asanzwe cyangwa se kuri konti za Banki.”
Umuyobozi Mukuru wa AfricaNenda, Dr Robert Ochola, na we yongeraho ko uku guhuza kuzajyana no kugabanya ikiguzi cyo kohereza amafaranga ava hamwe ajya ahandi, aho ‘ikiguzi cyo kohereza amafaranga 5000Frw kizaba ari kimwe hagati y’ikigo n’ikindi (byohererezanya amafaranga) kandi kiri hasi y’amafaranga 100 ku noti ya 5000Frw(ni urugero yafashe).
Gutangiza eKash byakozwe Minisiteri y’Ikoranabuhanga na Innovasiyo ifatanyije n’inzego zirimo Banki Nkuru y’u Rwanda (BNR), RISA, AfricaNenda, Access to Finance Rwanda, Gates Foundation na GIZ, Mojaloop Foundation n’abandi.
Umuyobozi wa Access to Finance Rwanda(AFR), Jean Bosco Iyacu, avuga ko Abanyarwanda barenga miliyoni 4 bari hirya no hino mu cyaro babitsa mu mirenge SACCO, bari ku isonga mu bazahuzwa n’izindi serivisi z’imari hakoreshejwe eKash kugira ngo iri koranabuhanga ritaba iry’abanyamujyi gusa.
Minisitiri w’Ikoranabuhanga na Inovasiyo, Paula Ingabire, avuga ko eKash izageza abaturage ku mpinduka zikomeye kuko 96% by’Abanyarwanda bakuru (imyaka 18 kuzamura) bafite konti ya Mobile Money, Airtel Money, banki cyangwa SACCO—kandi ko 86% bafite telefone, bikaba igihamya cy’uko Igihugu cyiteguye gushyira mu bikorwa iri koranabuhanga rihuza serivisi z’imari zose.
Kuva aho eKash itangirijwe muri 2022 mu nzego zose ziyikoresha hamaze gukorwa ihererekanywa ry’amafaranga inshuro zirenga 46,400,000 kandi bikaba byaragenze neza ku kigero kingana na 99.89%.
