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Iterambere mu ikoranabuhanga riri guhindura uburyo abantu babayeho, uko<br />
bakora, uko bahanahana amakuru n’uko bakorana na banki. Ndibuka nkiri muto<br />
mu myaka 20 ishize ubwo nari ndi muri diaspora nyarwanda: kuvugana<br />
n’umuryango wanjye nari narasize ino byari bigoye cyane kandi bihenze. Uyu<br />
munsi guhanahana amakuru birihuta kandi birahendutse. Twese turibuka igihe<br />
koherereza amafaranga abantu bacu babaga mu cyaro ukuntu byari bigoye<br />
kandi birimo ingorane nyinshi. Uyu munsi, bisaba gukanda kuri telefoni yawe<br />
gusa. Ni nko mu minsi ishize ubwo nagarukaga mu Rwanda nkasabwa kuzuza<br />
impapuro zitabarika no kuzitondana umurongo nkawumaraho amasaha kugira<br />
ngo mbone irangamuntu. Ubu ukoresheje Irembo, byose byagiye mu<br />
ikoranabuhanga.<br />
Banki ya Kigali yemera ko<br />
ikoranabuhanga rifite imbaraga zo<br />
guhindura ibyo byose bityo ikaba ifite<br />
intego zo gufata iya mbere muri izo<br />
mpinduka z’ikoranabuhanga mu<br />
Rwanda. Tuyoboye isoko ry’amabanki<br />
mu Rwanda mu rwego rw’ingano<br />
y’ibikoresho-shingiro n’inyungu.<br />
Turashaka kugumana uyu mwanya<br />
wa mbere dukorera abakiriya bacu<br />
ibindi byinshi kandi byiza. Nzi neza ko<br />
ihindura-mikorere ry’ikoranabuhanga<br />
ari bwo buryo bwonyine bwo kugera<br />
ku bantu benshi, bwo gukorera<br />
abakiriya dusanganywe neza kandi ari<br />
na bwo buryo bwo guhangana ku isoko<br />
ry’ubukungu bushingiye ku<br />
ikoranabuhanga.<br />
Icyerekezo cy’iyi<br />
mpindura-mikorere<br />
y’ikoranabuhanga ni<br />
icyo kutugira banki<br />
ya mbere ifata neza<br />
abakiriya. Turashaka<br />
guhozaho mu guha<br />
abakiriya bacu serivisi<br />
nziza kandi zishimishije<br />
ku mirongo yacu<br />
y’ikoranabuhanga bityo<br />
bikagabanya imirongo<br />
mu mashami yacu hirya<br />
no hino.
Ibigo bizagira abakiriya nyambere, bikumva neza ibyo bakeneye, kandi bigatanga<br />
ibisubizo by’ibyo bikenewe mu buryo bw’ikoranabuhanga ni byo bizatsinda<br />
urugamba rw’ihangana ku isoko ry’ubukungu bushingiye ku ikoranabuhanga.<br />
Twe nka banki nyarwanda, tugomba kuba abambere mu gutanga serivisi<br />
zinogeye abanyarwanda kandi zibasha guhindura u Rwanda igihugu giteye<br />
imbere. Dufite amahirwe atabarika yo kubigeraho. Nk’ubu abatageze kuri 30%<br />
mu Rwanda nibo bakorana na banki. Ubuhinzi-bworozi ntiburagerwaho na<br />
serivisi z’imari kandi ari bwo nkingi ya mwamba y’ubukungu bwacu. Tugomba<br />
gushaka uburyo bushya bwo kugeza serivisi z’imari ku bo zitarageraho harimo<br />
n’abakora mu buhinzi-bworozi. Mucyo twitabire ikoranabuhanga mu kwesa<br />
umuhigo wacu wo kugira abakiriya bageze kuri miliyoni imwe, tunabagezaho<br />
serisivi zibabereye kandi zongera agaciro ka konti bafite muri banki.<br />
Nitutabasha kubona ibisubizo ku byo badashaka,<br />
vuba bidatinze tuzagerwaho n’ingaruka mbi haba mu<br />
kwaguka kwa banki no mu nyungu rusange tubona.<br />
Tugeze mu gihe cy’abanyarwanda bize, basobanukiwe kandi bahuje. Bafite<br />
byinshi badutegerejeho. Barashaka serivisi zihuse, bakazibonera aho bari hose<br />
kandi ku giciro gito. Ntibakozwa ibyo gutonda imirongo kuri banki ngo bagiye<br />
kubitsa, kwishyura imisoro, kwishyura amafaranga y’ishuri n’ibindi. Ntibashaka<br />
gutegereza inguzanyo mu gihe cy’iminsi cyangwa ibyumweru. Nitutabasha<br />
kubona ibisubizo ku byo badashaka, vuba bidatinze tuzagerwaho n’ingaruka<br />
mbi haba mu kwaguka kwa banki no mu nyungu rusange tubona. Bityo<br />
twazasigara mu kaga ko gusubira inyuma mu kuyobora isoko ry’ibigo by’imari.<br />
Icyerekezo cy’iyi mpindura-mikorere y’ikoranabuhanga ni icyo kutugira banki<br />
ya mbere ifata neza abakiriya. Turashaka guhozaho mu guha abakiriya bacu<br />
serivisi nziza kandi zishimishije ku mirongo yacu y’ikoranabuhanga bityo<br />
bikagabanya imirongo mu mashami yacu hirya no hino. Turi guteganya<br />
gushyiraho uburyo ibintu byinshi bikorerwa ikambere byikora bityo bigabanye<br />
igihe abantu bategerezaga ibisubizo by’ibyo basabye, tuzakoresha amakuru<br />
n’isesengura rihambaye kugira ngo twihutishe ifatwa ry’imyanzuro kandi<br />
dushyireho ibikorwa bibereye buri wese ari nabyo bizatuma batubera abakiriya<br />
b’akadasohoka. Bizatugeza ku kwaguka kurenze, bizamure urwunguko rwacu<br />
rugere kuri 28% buri mwaka kandi binazamure agaciro k’imari ku bafite aho<br />
bahuriye na banki yacu bose.<br />
Urugendo rw'ihindura-mikorere rw’ikoranabuhanga rwatwaye ibyumweru<br />
bitanu byo kunoza umugambi warwo kuri banki n’icyo bizayimarira.
Kugira ngo ibi byose<br />
bigerweho, murasabwa<br />
gukora impinduka<br />
mu mikorere yanyu<br />
n’imyitwarire ku<br />
bakiriya.<br />
Ubu dutangiye icyiciro kizamara<br />
ibyumweru 15 byo gushyira mu<br />
bikorwa uwo mugambi bikazarangira<br />
hagiyeho ibikorwa bibiri by’ingenzi<br />
n’ubunararibonye tuzabyungukiramo.<br />
Kugira ngo ibi byose bigerweho,<br />
murasabwa gukora impinduka mu<br />
mikorere yanyu n’imyitwarire ku<br />
bakiriya. Mugomba kuzafata iyambere<br />
mu gushyira abakiriya ku mbuga<br />
z’ikoranabuhanga, gushaka ibisubizo<br />
bishya mukabigira ibyanyu,<br />
mugakorana n’andi matsinda kugira ngo muzamure urwego rw’imikorere,<br />
mukaduha ibitekerezo by’ukuri byubaka ndetse mukanabihana hagati yanyu.<br />
Tuzabahugura ku bumenyi n’ubushobozi butandukanye mukeneye kugira ngo<br />
ibyo bibashe kugerwaho. Uru rugendo ruzarushaho kunoza no kuturyohereza<br />
akazi kacu twese hamwe, nuko bitume n’abakiriya bacu barushaho kunogerwa<br />
na serivisi zacu.<br />
Njyewe nk’umuyobozi wanyu, niyemeje kubabera umukozi. Nzabafasha kandi<br />
mbashyigikire muri uru rugendo rushamaje. Imikorere n’inshingano byanjye<br />
nabyo biri guhinduka kandi ubuyobozi bukuru bwa banki buzabana namwe<br />
muri uru rugendo rwo kubishyira mu bikorwa. Ni urugendo rwa buri wese muri<br />
twe. Tuzajyana n’abakozi bacu, abakiriya n’abandi bose bafite aho bahuriye na<br />
Banki mbese nta n’umwe uzasigara inyuma.<br />
Tuzasigara turi indashyikirwa nk’abakora muri banki, nk’abafatanyabikorwa<br />
beza ku bakiriya bacu ndetse turi nyambere mu kugeza no kubashisha<br />
abanyarwanda kwinjira mu bukungu bushingiye ku ikoranabuhanga.<br />
Tuzasigara turi indashyikirwa nk’abakora<br />
muri banki, nk’abafatanyabikorwa beza<br />
ku bakiriya bacu ndetse turi nyambere mu<br />
kugeza no kubashisha abanyarwanda kwinjira<br />
mu bukungu bushingiye ku ikoranabuhanga.<br />
Muze rero twese hamwe dutere intambwe zitangira uru rugendo. Tuzakomeza<br />
kuba ikibasumba mu mabanki mu Rwanda duha buri wese serivisi z’agahebuzo<br />
aho yaba ari hose dukoresheje ikoranabuhanga.
MURAKOZE
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