Mu rwego rwo kurushaho guteza imbere serivisi z’imari zikoresha ikoranabuhanga no gufasha Abanyarwanda guhangana n’ibibazo by’ubukungu, Mobile Money Rwanda Ltd ifatanyije na NCBA Bank Rwanda batangaje ku mugaragaro ko bashyizeho serivisi nshya ebyiri muri MoKash ari zo Loan Top Up na Lock Savings.
Izi serivisi zitezweho kongera ubushobozi bw’abakiliya mu kubona inguzanyo mu buryo bwihuse, no kwimakaza umuco wo kwizigamira mu buryo bufite intego, bukoresheje uburyo bw’ikoranabuhanga bwizewe kandi bworoshye.
Loan Top Up: Kongera Inguzanyo Utarishyura Iya Mbere
Serivisi ya Loan Top Up igamije gufasha umukiliya usanzwe afite inguzanyo muri MoKash kuyongeraho andi mafaranga atarishyura iyo yari yarafashe mbere.
Mu buzima busanzwe, abantu benshi bashobora gufata inguzanyo bakemura ikibazo runaka, hanyuma mu gihe kitarambiranye bakagira ibindi bibazo bitunguranye cyangwa amahirwe mashya asaba igishoro cy’inyongera. Mbere y’iyi gahunda, byasabaga ko umuntu abanza kurangiza kwishyura inguzanyo ya mbere mbere yo gusaba indi. Ubu noneho, mu gihe yujuje ibisabwa, ashobora kongererwa amafaranga mu buryo bwihuse kandi budasaba inzira ndende.
Amabwiriza y’iyi serivisi ateganya ko:
- Umukiliya ashobora gusaba kongererwa inguzanyo mu minsi 20 nyuma yo guhabwa iya mbere.
- Amafaranga y’inyongera agomba kuba ari mu gipimo ntarengwa yemerewe kugurizwa.
- Ibikorwa byose bikorwa hifashishijwe telefoni, mu buryo bw’ikoranabuhanga, butekanye kandi bwihuse.
Umuyobozi Mukuru wa Mobile Money Rwanda Ltd, Chantal Kagame, yavuze ko iyi serivisi yubakiye ku mibereho nyakuri y’abakiliya. Yatanze urugero rw’umucuruzi wo mu isoko ushobora kurangura ibicuruzwa, akabona isoko ryagutse, bityo agakeneye kongera igishoro mu maguru mashya.
Yagize ati:
“Binyuze muri MoKash, twifatanya n’abakiliya bacu nk’umufatanyabikorwa mu by’imari wizewe, tubagezaho ubufasha bw’ako kanya bujyanye n’ubuzima bwabo bwa buri munsi.”
Iyi gahunda igaragaza icyerekezo cyo gutanga serivisi z’imari zijyanye n’igihe kandi zishingiye ku kumva neza ibibazo n’amahirwe abakiliya bahura na byo.
Lock Savings: Konti Ifasha Guteganyiriza Ejo Hazaza
Serivisi ya Lock Savings, izwi kandi nka konti yo kwizigamira idakorwaho mu gihe runaka, yashyizweho mu rwego rwo gufasha abakiliya kugira umuco wo kwizigamira no guteganyiriza ejo hazaza.
Muri ubu buryo, umukiliya ashobora kwimura amafaranga ari kuri konti ye ya MoKash cyangwa kuri MTN Mobile Money akayashyira kuri Lock Savings, hanyuma agahitamo igihe azayabikamo kiri hagati y’ukwezi 1 kugeza ku mezi 12. Muri icyo gihe cyose, ayo mafaranga ntashobora kuyakuraho, bikamufasha kwirinda kuyakoresha mu buryo butari bwateganyijwe.
Ikindi kintu gikomeye kuri iyi serivisi ni uko amafaranga abitswe ashobora kungukirwa inyungu igera kuri 8% ku mwaka. Ibi bituma Lock Savings iba igikoresho cyiza cyo kubaka ubushobozi bw’imari mu buryo burambye.
Abakiliya bashobora kuyikoresha mu ntego zitandukanye zirimo:
- Kwishyurira abana amashuri
- Kwagura ubucuruzi
- Gutegura imishinga y’igihe kirekire
- Kwizigamira amafaranga y’ubutabazi
- Kwiyubakira ubushobozi bw’imari
Umuyobozi Mukuru wa NCBA Bank Rwanda, Maurice Toroitich, yavuze ko iyi serivisi ifasha abakiliya guhindura amafaranga binjiza uyu munsi akababera umusingi wo gukura no kwaguka mu gihe kiri imbere.
Yagize ati:
“Twifuza gufasha abakiliya bacu guhindura amafaranga binjiza mu gihe gito, akababera umusingi wo gukura no kwaguka mu gihe kiri imbere.”
MoKash mu Rugendo rwo Kwagura Serivisi z’Imari
Kuva MoKash yatangizwa mu 2017, imaze kugera ku bakiliya barenga miliyoni 5 mu Rwanda. Ibi bigaragaza uburyo serivisi z’imari zikoresha ikoranabuhanga zakiriwe neza n’abaturage.
Mu mibare igaragaza uko ikoreshwa:
- 40% by’abakoresha MoKash ni abagore
- 60% ni urubyiruko
- Buri munsi hatangwa inguzanyo zirenga 10,000
Iyi mibare igaragaza uruhare rukomeye MoKash ifite mu guteza imbere ubucuruzi buciriritse, gushyigikira urubyiruko n’abagore, no kongera ubwisungane mu by’imari.
Kubera ko ibikorwa byose bikorwa hifashishijwe telefoni, abantu benshi batari basanzwe bafite konti muri banki bashoboye kugera kuri izi serivisi mu buryo bworoshye kandi bwizewe.
Izi serivisi nshya za Loan Top Up na Lock Savings zitezweho kongera imbaraga mu guteza imbere ubukungu bw’abaturage. Ku ruhande rumwe, Loan Top Up itanga amahirwe yo kubona igishoro cy’inyongera mu gihe gikenewe; ku rundi ruhande, Lock Savings itera abantu kwizigamira no guteganyiriza ejo hazaza.
Mu gihe u Rwanda rukomeje urugendo rwo kubaka ubukungu bushingiye ku ikoranabuhanga, serivisi nk’izi zigaragaza ko ubufatanye hagati y’ibigo by’itumanaho n’amabanki bushobora gutanga ibisubizo byihuse kandi bifatika ku bibazo by’abaturage.
MoKash ikomeje kwerekana ko ikoranabuhanga atari uburyo bwo koroshya serivisi gusa, ahubwo ari n’inkingi ikomeye mu kubaka ubukungu burambye, bufasha abaturage kugera ku iterambere rirambye.
Ishyirwaho rya Loan Top Up na Lock Savings ni indi ntambwe igaragaza ko serivisi z’imari mu Rwanda zikomeje gutera imbere, zishyira umukiliya ku isonga, kandi zigamije kumufasha kugera ku nzozi ze z’igihe gito n’igihe kirekire.
