(UPDATE) Mobile money charges have now been reinstated

UPDATE ON MOBILE MONEY CHARGES: 22 June 2020

Keep yourself informed on financial services to best manage your cash flow! Mobile money charges have now been reinstated.

From 19 March 2020 for a period of three months, fees had been waived on:

  • Transfers between bank accounts and mobile wallets
  • Mobile money transfers
  • Payments at points of sale (POS devices)

To ensure that mobile service providers can continue offering these services, fees will be charged on these services again as of 22 June 2020.

However, digital services are STILL your safest option. Whenever possible, use mobile money and digital services to keep yourself, your customers, and your family healthy and safe!

Reference:

BNR Public Notice: Reinstatement of Mobile Money Transaction Charges. 18th June 2020.

 

 

IBICIRO BIGEZWEHO KU BIJYANYE NA SERIVISI ZA MOBILE MONEY: Kuwa 22 Kamena 2020

Ni ngombwa kugira amakuru ku bijyanye na serivisi z’imari kugira ngo ubashe gucunga imikoreshereze y’amafaranga yinjira n’asohoka! Amafaranga asabwa kuri serivisi za Mobile Money yasubijweho.

Guhera kuwa 19 Werurwe 2020 kugeza mu gihe cy’amezi atatu, hari harakuweho amafaranga yo :

  • Guhererekanaya amafaranga hagati ya konti z’amabanki n’amakofi ngendanwa.
  • Guhererekanya amafaranga
  • Amafaranga y’ubwishyu hakoreshwa utumashini twifashishwa mu kwishyura (POS devices)

Kugira ngo abatanga serivisi za Mobile Money bakomeze kuzitanga,amafaranga asabwa mu itangwa ryazo azasubiraho guhera kuwa 22 Kamena 2020.

Ariko, gukoresha ikoranabuhanga ni bwo buryo bwizewe ushobora gukoresha. Mu gihe cyose bishoboka, koresha Mobile Money na serivisi z’ikoranabuhanga kugira ngo wirinde, urinde abakiriya bawe, n’umuryango wawe kwandura!

Ibyifashishijwe mu gutegura iyi nyandiko:

Itangazo rya Banki Nkuru y’u Rwanda: Isubiraho ry’amafaranga asabwa kuri serivisi za Mobile Money. Kuwa 18 Kamena 2020.


(EVENT) Attend the Canton Fair Virtually

(EVENT) Attend the Canton Fair Virtually

The SME Response Clinic encourages all businesses in Rwanda who buy overseas to attend this exciting virtual trade fair!

China Import and Export Fair, also known as Canton Fair, was established in 1957. It is held every spring and autumn in Guangzhou, China. Canton Fair is a comprehensive international trading event with the longest history, the largest scale, the most complete exhibit variety, the largest buyer attendance, the broadest distribution of buyers’ source country, and the greatest business turnover in China. Up to the 126th session (63 years), the accumulated export volume has amounted to about USD 1.4126 trillion and the total number of overseas buyers has reached 8.99 million. Now, the 127th Canton Fair has been held online from June 15 to June 24. It is the first online exhibition in 63 years. There are 50 exhibition areas for 16 categories of commodities, and an online foreign trade platform is set up to provide promotion, procurement, online communications, and other services.

Why the Canton Fair

  • High level – China Import and Export Fair, also known as Canton Fair, is co-hosted by the Ministry of Commerce of PRC and the People’s Government of Guangdong Province and organized by China Foreign Trade Centre.
  • Longest history – Canton Fair is established in 1957, held every spring and autumn in Guangzhou.
  • Comprehensive – China. Canton Fair is a comprehensive international trading event with the largest scale, the most complete exhibit variety. There are 50 exhibition areas for 16 categories of commodities in the ongoing 127th Canton Fair.
  • Productive – Up to the 126th session, the accumulated export volume has amounted to about USD 1.4126 trillion and the total number of overseas buyers has reached 8.99 million.
  • Easy connect – The 127th Canton Fair has been held online from today to June 24. It is the first online exhibition in 63 years.
  • See friends – with this digital platform, you could easily find your old friends and meet new partners online.
  • Latest technology – The platform provides various innovative functions like “live stream”, “instant communication”, “ face to face meeting” to give a fresh experience.

Why the Canton Fair

The future is coming, let’s start embracing the “New Normal” and have our own digital opportunity now.

  1. You can register and attend the Canton Fair as Oversea Buyer on the below official linkage. https://buyer.cantonfair.org.cn/en/register/selectiveId?invitationCode=05390000- 00b9-5254-3f0b-08d80df609c5New users can register by filling personal and company information.
  2. After login, you can search interested exhibitor or exhibit on the homepage. Enter company name or booth number to find your old partner. You can submit sourcing request of a specific exhibit directly or go to Supply & Demand Hall to do so and the system will match exhibits for you. You can also schedule an appointment with an exhibitor to talk in a face-to-face video meeting.
  3. Click “Exhibitor on Live” to watch exhibitors’ live streaming, subscribe to it and replay. Buyers can invite friends to register and attend by sending exclusive “i-Invite” link in the Buyer Service Platform.
  4. Come experiencing the innovative integration of China’s oldest trade fair and the latest Internet technology.

Want video instruction? Click: https://www.cantonfair.org.cn/en/news/article/5ee4b7a106206f3fec4a6833


Inkuru z’uruhererekane ku bufasha bwo kuzahura ubucuruzi: Inama zitangwa n’Ishyirahamwe ry’Amabanki mu Rwanda

Inkuru z’uruhererekane ku bufasha bwo kuzahura ubucuruzi:

Inama zitangwa n’Ishyirahamwe  ry’Amabanki mu Rwanda

Video yose wayisanga kuri Facebook kanda hano.

Ongera ubumenyi ngiro mu micungire y’umushinga ukurikira amasomo yo mu Mwiherero n’Amahugurwa utegurirwa na AMI:

Umwiherero: Ku wa Kane, 5 Kamena 2020- https://www.africanmanagers.org/rwandacovidwebinars/

Ibiganiro: https://www.africanmanagers.org/covidwebinars/

Hari ibigo bito n’ibiciriritse (SME) byinshi byibaza ibibazo byerekeye serivisi z’amabanki muri iki gihe, kubera ko ibikorwa by’ubucuruzi byahuye n’ibibazo by’igabanuka ry’igipimo cy’amafaranga yinjira n’asohoka, byananiwe kwishyura inguzanyo, no kuba bitizeye ahazaza ha bizinesi bikora. Mu ngamba zafatiwe ibi bibazo, Itsinda rifasha ibigo bito n’ibiciriritse, ryahurije hamwe akanama kagizwe na ba nyiri amabanki bagirana ikiganiro cyatambutse kuri Facebook ubwo cyarimo kiba.

Ku wa 28 Gicurasi, ikiganiro cyatambutse imbona nkubone hifashishijwe murandasi ku nsanganyamatsiko igira iti “Ikiganiro n’Urwego rw’Amabanki /A Discussion with the Banking Sector” cyatangije ibiganiro by’Uruhererekane ku bufasha bwo kuzahura ubucuruzi / Supporting Your Business Series. Ikiganiro cyahuje impuguke mu bikorwa by’amabanki nka Maurice K. Toroitich, Umuyobozi Mukuru wa BPR Atlas Mara, Robin C. Bairstow, CEO wa I&M Bank na Perezida w’Ishyirahamwe ry’Amabanki mu Rwanda, na Christine Baingana, CEO wa Urwego Bank. Ikiganiro cyayobowe na Tony Francis Ntore, Umunyamabanga Nshingwabikorwa w’Ishyirahamwwe ry’Amabanki mu Rwanda, na Jean Bosco Iyacu, Umuyobozi ushinzwe Imishinga muri Access to Finance Rwanda.

Muri icyo kiganiro, abanyamabanki bagiriye inama Ibigo bito n’ibiciriritse (SMEs) ku buryo byacunga ibikorwa by’ubucuruzi no kunoza imikoranire  yabyo n’ibigo by’imari.  Imyanzuro y’ingenzi ikurikira yavuye muri iki kiganiro igamije gufasha ibigo kwivana mu bihe bikomeye byatewe n’Icyorezo:

Ibyinshi mu bigo bito n’ibiciriritse (SMEs) bikora bitabika inyandiko na raporo zijyanye n’igihe nk’uko bisabwa, kubera umubare muto w’abakozi babyo no kuba byinjiza amafaranga make. Icyakora, banki zizarushaho KUREBA niba ibigo bifite inyandiko zihagije kandi zujuje ibisabwa mu gihe cyo gusuzuma niba ikigo gisaba inguzanyo gifitiwe icyizere mu bijyanye no kwishyura inguzanyo aho kwita ku ngwate gitanga. Ibi bisobanuye ko ikigo kigomba:

  • Kugira inyandiko zerekana uko amafaranga yinjira n’uko asohoka buri munsi
  • Kugenzura niba ikigo gishobora kugaragaza uko amafaranga yinjira n’uko asohoka cyifashishijekonti itunguka cyangwa  konti ikoreshwa mu guhererekanya amafaranga hifashishijwe terefoni ngendanwa mu bikorwa byo guhererekanya amafaranga
  • Gukoresha imashini ya EBM ifasha kubika inyandiko z’ibyakozwe
  • Kwishyura imisoro no kubikaimpapuro zishyuriweho imisoro ziri ku murongo – ibi bigaragaza uko amafaranga yinjira n’uko asohoka nka kimwe mu bigaragarizwa banki  iyo ikigo gisaba inguzanyo

 

Abacuruzi benshi bafite ibigo bito  bibanda ku ngwate – nko kubaka amazu – iyo batekereza uburyo bwabafasha kubona inguzanyo. Ariko, iyo inyandiko z’ibaruramari ry’ikigo zitari ku murongo, ikigo gishobora kutemererwa inguzanyo. Ibigo bisaba inguzanyo bigomba kugaragariza banki ko uretse kuba bifite inyandiko zigaragaza uko amafaranga yinjira n’uko asohoka, binafite ubushobozi bwo kuyacunga.

 

Kurikira ibiganiro n’amahugurwa utegurirwa na AMI, umenye byinshi ku byerekeye uko wabika inyandiko na raporo by’ibaruramari:

Umwiherero: Ku wa Kane, 5 Kamena 2020 – https://www.africanmanagers.org/rwandacovidwebinars/

Ibiganiro: https://www.africanmanagers.org/covidwebinars/

 

Rimwe mu makosa y’ingenzi banki zibona ibigo bito bikunze gukora ni ugukoresha konti imwe ibikwaho amafaranga y’umuntu ku giti cye n’ay’ikigo. Iyo utangiye igikorwa cy’ubucuruzi, biba ngombwa ko ufungura indi konti igenewe ibikorwa by’ubucuruzi  kugira ngo ubashe gukurikirana amafaranga winjiza n’ayo usohora mu buryo buteguye neza. Itegeko rivuga ko kugira ngo wigenere umushahara, ugomba kuwukura kuri konti y’ikigo ukawushyira kuri konti ukoresha ku giti cyawe, kugira ngo ishusho igaragaze neza uko amafaranga yawe yinjira n’uko asohoka.

Kugira za konti zitandukanye bizagufasha kurushaho gusobanukirwa  uburyo ikigo cyawe cyunguka maze uzabigendereho mu gufata icyemezo cyo gusaba inguzanyo mu kigo cy’imari cyemewe.

 

Icyorezo cya COVID-19  cyazanye impinduka nyinshi mu rwego rw’ibigo by’ubucuruzi mu Rwanda. Ibyo bigo byatangiye koroshya imikorere yabyo, gusesengura inkurikizi  ibi bihe bikomeye byagize ku mikorereyabyo. Kubera iyo mpamvu, ibigo bizabasha gukora igenamigambi kuva ku mezi 3 kugera kuri 6 mu gihe kiri imbere ni byo bizarusha ibindi amahirwe yo kubasha kwivana mu bibazo byatewe n’iki cyorezo.

Imwe mu nama z’ingenzi itangwa n’abanyamabanki ni uko ibigo bitangira gukora igenamigambi  rigenewe isoko ritandukanye n’iryaranze ibikorwa mu gihe cyahise mbere y’uko icyorezo cyaduka. Urugero: niba ikigo hari amafaranga cyinjije mu bihe byabanjirije Icyorezo Covid -19,  ibyo bigo ntibigomba kumva ko uko ibihe bimeze ubu bizasubira uko byari bisanzwe nyuma y’irangira ry’icyorezo. Gukora igenamigambi  hitabwa  ku mubare shingiro w’abakiriya utandukanye n’uwari usanzwe no kubasha gukurura abakiriya bashya ni yo ngamba nyamukuru izabifasha kuzahura ubucuruzi bwabyo.  Bimwe mu bigo bishobora kwimura ibikorwa byabyo bigahitamo gutanga serivisi byifashishije ikoranabuhanga, cyangwa  bigakoresha uburyo burushaho kubifasha mu mitangire ya serivisi.

Ikindi kigomba kuzirikanwa ni uko  ibi bihe atari ibyo kwishora  mu gutangiza ikigo gishya. Kugerageza gutangiza ikigo gishya ni umwe mu mishinga yaba ifite ibibazo byinshi kubera utangijwe mu bihe bikomeye. Nubwo hazabaho impinduka zizagira byinshi zihindurwa mu mikorere y’ibigo bisanzweho, kugerageza gutangiza ikigo gishya nta bumenyi mu bucuruzi, haba mu bicuruzwa cyangwa serivisi, nta n’ubushobozi bwo gucunga icyo kigo gishya bishobora gutuma gihita gihomba. Birakwiye rero kubanza gushakisha igishoro muri banki. Niba udashobora kugaragariza banki uburyo umushinga wawe uzakora wunguka, ushobora kutemererwa inguzanyo watangiza nk’igishoro.

Kurikira ibiganiro n’amahugurwa utegurirwa na AMI umenye byinshi ku byerekeye uko wabika inyandiko na raporo by’ibaruramaari:

Umwiherero: Ku wa Kane, 5 Kamena 2020 – https://www.africanmanagers.org/rwandacovidwebinars/

Ibiganiro: https://www.africanmanagers.org/covidwebinars/

Mu rwego rwo kukurinda, wowe ubwawe, abakozi bawe ndetse n’abakiriya, hashobora kwifashishwa ikoranabuhanga rigezweho mu gukemura ibibazo aho guhererekanya amafaranga mu ntoki. Muri iki gihe, nta mafaranga agikatwa mu guhererekanya amafaranga hifashishijwe terefoni ngendanwa uyashyira kuri konti ya banki, guhererekanya amafaranga hifashishijwe terefoni ngendanwa (hagati y’umuntu n’undi), kwishyura ibicuruzwa ukoresheje terefoni ngendanwa cyangwa kwishyura inyemezabwishyu ukoresheje terefoni ngendanwa. Nta mafaranga agikatwa iyo wishyura umucuruzi ukoresheje ikarita ya banki ahari utwuma twifashishwa mu kwishyurana hakoreshejwe amakarita (POS).

Uretse kwirinda guhererekanya amafaranga mu ntoki, gushakira ibisubizo mu ikoreshwa ry’ikoranabuhanga byanafashije kubika inyandiko zigaragaza uko amafaranga yinjira n’uko asohoka. Ni ngombwa kugira konti zitandukanye cyangwa konti zifashisha ikoranabuhanga mu ihererekanya ry’amafaranga kuri konti y’umuntu ku giti na konti y’ikigo kugira ngo ukenera gusaba inguzanyo cyangwa indi ngoboka itangwa na banki imufasha mu kuzahura ibikorwa bye, abashe kuyigaragariza neza inyandiko yagiye abika nk’ikimenyetso kigaragaza ko afitanye na banki imikoranire yizewe.

Ku bakiriya basanganywe na banki, amabanki yabashyiriyeho serivisi zibafasha kwishyura inguzanyo. Muri izo serivisi harimo igihe bamara basonewe  mbere yo gutangira kwishyura inyungu n’inguzanyo y’ibanze, isubikabwishyu no kuvanirwaho ibihano by’ubukererwe mu kwishyura n’andi mafaranga akatwa. Banki zumva neza impamvu imikorere ya byinshi mu bigo bito n’ibiciriritse (SMEs) yagiye ikendera muri ibi bihe bimwe hubahirizwa ingamba zo guhagarika bimwe mu bikorwa bitari iby’ingenzi.

Kuganira na banki yawe –  unyuze ku mukozi ushinzwe imikoranire n’abakiriya cyangwa ushinzwe inguzanyo  ni ingirakamaro.  Niba ikigo cyawe kiri mu bibazo, witegereza, egera bidatinze banki igufashe. Banki izakorana nawe igufashe gufata icyemezo ku gihe ukeneye guhabwa mbere yo gutangira kwishyura inguzanyo cyangwa gusubikirwa kwishyura inyungu, akenshi bitewe n’urwego rw’ubucuruzi na serivisi ikigo cyawe kibarizwamo n’uburyo cyazahajwe n’ibi bihe bikomeye.

 

Ku wa 4 Kamena 2020, Banki Nkuru y’u Rwanda (BNR) yatangije Ikigega cyo Kuzahura Ubukungu. Iki kigega kizemerera banki gutanga inguzanyo  z’ingoboka n’izindi serivisi ku bigo biri mu ngorane byatewe n’ibi bihe bikomeye. Icyakora, ni ngombwa ko ikigo gikora igenamigambi cyitonze ku byerekeye ubushobozi gifite bwo gusaba inguzanyo no kureba niba kizakora cyunguka bihagije kugira ngo kizabashe kwishyura iyo nguzanyo. Nubwo inguzanyo zizatangwa ku ijanisha ry’inyungu riri hasi ku bigo byujuje ibisabwa mu kubona iyo nguzanyo y’ingoboka, kuko atari impano bizaba bihawe.  Izi nguzanyo zifite amategeko n’amabwiriza azigenga nk’uko bikurikizwa ku nguzanyo isanzwe, igomba kwishyurwa yose uko yakabaye, mu gihe cyagenwe kandi hishyurwa amafaranga yose asabwa n’andi akatwa ku nguzanyo.

Niba utujuje ibisabwa ngo wemererwe inguzanyo, kandi ukaba ufite gahunda isobanutse y’uburyo uzifashisha  mu kwishyura inguzanyo uhawe, warushaho gusobanukirwa wegereye umukozi ushinzwe imikoranire n’abakiriya cyangwa ushinzwe inguzanyo. Azagufasha kugenzura niba ufite inyandiko zose zikenewe, ko utabaye umukiriya bihemu mu gihe cyahise no kureba niba inguzanyo usaba izagufasha aho kukubera umuzigo mu bucuruzi ukora.

Kurikira ibiganiro n’amahugurwa utegurirwa na AMI,umenye byinshi ku byerekeye uko wasuzuma ubushobozi bukwemerera kwaka inguzanyo

Umwiherero: Ku wa Kane, 5 Kamena 2020- https://www.africanmanagers.org/rwandacovidwebinars/

Ibiganiro: https://www.africanmanagers.org/covidwebinars/

Amabanki asanga hari bamwe mu bakiriya bakoresha amafaranga y’inguzanyo bahawe mu bindi bitari ubucuruzi basanzwe bakora, ku buryo iyo bageze igihe cyo kwishyura, nta mafaranga baba bagifite. Iyi ni yo mpamvu ya mbere ituma banki zitakariza icyizere umukiriya wazo.  Nubwo bisa nk’aho cyaba ari igitekerezo cyiza mu gihe kigufi,  bigira ingaruka ku bushobozi bwo kwemererwa inguzanyo mu gihe kizaza, cyane cyane muri ibi bihe aho kunanirwa kwishyura inguzanyo bigira ingaruka  ku cyizere ufitiwe n’Ibiro bikusanya Amakuru ku Nguzanyo (CRB).

Aho gushora inguzanyo mu mushinga itateganyirijwe, kabone niyo umuntu yaba ari mu bibazo, nk’uko ibibazo bitajya bibura, ugomba guhita ubuganiraho n’umukozi ushinzwe imikoranire n’abakiriya cyangwa ushinzwe inguzanyo.  Banki ntibereyeho kugucira urubanza mu byo wakoze ahubwo intego yayo ni ugufasha abayigana. Iyo nta makuru asobanutse, y’ukuri kandi ajyanye n’ibihe uyihaye, ntizabasha kwiga ku kibazo cyawe kugira ngo ikibonere igisubizo kizakurinda  kunanirwa kwishyura.

Abacuruzi benshi bibaza ibibazo bikurikira: “Kuki ngomba gushaka ubwishingizi ngashora amafaranga yanjye  ntazongera kubona mu gihe nta kibazo mpuye nacyo?” Icyakora, ubwishingizi ni yo serivisi irusha izindi akamaro ikigo kigomba kuba gifite  kugira ngo bigifashe guhangana n’ibyagiteza ingorane. Itegeko abanyamabanki  bagenderaho ni uko niba umuntu adashobora kwigondera ikiguzi cy’ubwishingizi, bivuze ko atanabasha no kubaho ngo anakore imishinga nta bwishingizi afite.

Mu gihe hari ibyihutirwa bikeneye igisubizo, nk’ubujura, inkongi y’umuriro, impanuka y’ikinyabiziga, ugomba kubungabunga umutungo wawe n’ibikorwaremezo by’aho ukorera ubucuruzi. Ubwishingizi buboneka hifashishijwe ibigo by’imari hamwe no kwegera amasosiyete y’ubwishingizi agufasha kwirinda wowe ubwawe ibyakugiraho ingaruka bitari biteganyijwe maze ukirinda gutakaza ibyakunganiraga mu mibereho.

Imikoranire hagati y’ikigo n’abakiriya bacyo ntishobora kwirengagizwa nubwo haba ari mu bihe ubucuruzi buri mu ngorane. Ugomba gukomeza gukorana bya hafi n’abakiriya ndetse n’abakugezaho ibicuruzwa  kugira ngo bamenye ibyo urimo gukora ku buryo babasha gukomeza imikoranire mufitanye mu gihe ubucuruzi butangiye kugenda neza.

Urugero: hari ibigo byinshi bito bikigorwa no kwishyura ubukode cyangwa abandi bacuruzi babigemuriye ibicuruzwa kubera ko amafaranga byinjizaga yagabanutse cyangwa akaba nta mafaranga bikinjiza muri ibi bihe ibikorwa na serivisi bitari ngombwa byabaye bihagaritswe. Nubwo abacuruzi bagemura ibicuruzwa  badateganya kugira igihombo mu mafaranga binjiza, hari benshi muri bo biteguye kuganira no kumvikana ku mikorere irambye aho kuba batakaza amafaranga YOSE binjizaga, aba ni abagifite ubushobozi bwo gukora bunguka.

Mu byerekeye abakiriya, ushobora kubura ubushobozi bwo kugemura ibicuruzwa na serivisi mu buryo bumwe n’uko wabikoraga hataraba ingorane zatewe n’icyorezo COVID-19. Ushobora gukenera kumvikana na ba bandi bishyuye mbere cyangwa ukizeza abakiriya bawe ko ufite gahunda yo gufungura ibikorwa byawe kandi ko uzakorana na bo vuba bishoboka. Icy’ingenzi  ni imirongo y’itumanaho ikomeza kuba ifunguye kugira ngo abakiriya bawe batajya mu kindi kigo  cyiteguye kuganira no gukorana na bo.

Kurikira ibiganiro n’amahugurwa utegurirwa na AMI, umenye byinshi ku byerekeye uko waganira ukumvikana n’abacuruzi bakugemurira ibicuruzwa na serivisi ukenera:

Umwiherero: Ku wa Kane, 5 Kamena 2020

https://www.africanmanagers.org/rwandacovidwebinars/

Ibiganiro: https://www.africanmanagers.org/covidwebinars/

Hari ibivugwabitari ukuri ku mabanki n’ibindi bigo by’imari aho hari abavuga ko ibi bigo bikorana n’abakire gusa,  iyo dushaka kuvugisha abakozi babyo ntibaboneka, ni abantu bibereye aho bashishikajwe no kwinjiza amafaranga. Nubwo banki na zo ari ibigo by’ubucuruzi, zikora ubucuruzi bwo gutanga serivisi ku bakiriya nk we. Ubwizerane ni ingenzi mu guteza imbere imikoranire yawe na banki ikuzanira inyungu.

Rimwe na rimwe, abakiriya batinya kubwira banki ko ubucuruzi bakora buri mu ngorane cyangwa ko bananiwe kwishyura inguzanyo bahawe. Nyamara, amabanki azi neza ko turi mu bihe bigoranye ku byinshi mu bigo bito bikora ubucuruzi kandi biri mu nyungu za buri wese gufasha ibi bigo kuzahura ibikorwa byabyo. Nk’umukiriya, birakwiye ko uhita uganira n’umukozi ushinzwe imikoranire n’abakiriya cyangwa ushinzwe inguzanyo ukamugezaho amakuru asobanutse, ajyanye n’ibihe kandi yizewe ukuri kugira ngo banki igufashe kubona ku muti w’ikibazo.

Rimwe na rimwe banki ishobora kukwemerera gusubika iyishyurwa ry’inguzanyo cyangwa igihe uzamara mbere yo gutangira kwishyura inguzanyo. Banki ishobora kandi guhuza ingengabihe yo kwishyura n’igihe kirekire ikwemereye kuzishyuramo inguzanyo cyangwa ikagufasha kubona ibindi bisubizo. Ariko iyo nta kwizerana no guhanahana amakuru, nta serivisi uhabwa.

Uko ubucuruzi bukorwa ku isi hose bizaba bitandukanye n’uko byahoze mbere y’Icyorezo Covid-19. Byingeye kandi, serivisi amabanki n’ibindi bigo by’imari bitanga ni ugufasha ibigo bito n’ibiciriritse (SMEs) kubasha guhangana n’ibihe birushaho gutera impungenge urwego rw’ubucuruzi kuko rutizeye uko ibintu bizaba bimmeze mu gihe kiri imbere.  Niba utaratangira imikoranire na banki, iki ni cyo gihe cyo kubikora. Kubera iyo mpamvu, urasabwa ibikurikira:

  • Gushyira ku murongo inyandiko na raporo z’ibaruramari
  • Gufungura konti kugira ngo ubashe gutangira ubika neza inyandiko zizajya zikwereka niba uko ibikorwa byawe bitera imbere cyane cyane igihe uzaba ugeze ubwo usaba inguzanyo
  • Komeza gutandukanya konti yawe bwite na konti y’ikigo
  • Kurikira amasomo – nk’atangirwa mu mwiherero cyangwa amahugurwa ategurwa na AMI azakwigisha uburyo buboneye bwo kubika inyandiko, guhangana n’ibyateza ingorane ndetse n’ubumenyi ngiro mu igenamigambi
  • Komeza ufungure imirongo y’itumanaho n’abakugemurira ibicuruzwandetse n’abakiriya
  • Gushakisha uburyo wazahura ubucuruzi usanzwe ukora kugira ngo ukomeze ibikorwa by’ubucuruzi
  • Gufata inguzanyo nk’ingoboka wifashisha, ariko ifite inshingano ziyiherekeje aho gufata inguzanyo nk’impano uhawe cyangwa ikindi ugabiwe
  • Gukoresha inguzanyo icyo yari iteganyijirijwe kuzakoreshwa

Nuramuka uzirikanye izi nama uhawe, kandi ukegera banki yawe cyangwa ikigo cy’imari mukorana, bishobora kukugoboka mu gihe ubikeneye, uzaba ufite amahirwe menshi yo kutagirwaho ingaruka n’ingorane zatewe n’Icyorezo cya COVID-19!


CNBC NEWS |Rwandan entrepreneurs treated to Covid-19 business survival boot camp

Rwandan entrepreneurs treated to Covid-19 business survival Bootcamp

Access to Finance Rwanda in partnership with the African Management institute, the Private Sector Federation and others, has launched a new webinar series dubbed, ‘The Business Survival Bootcamp’, through their website, SME Response Clinic. The program is designed to help entrepreneurs navigate the unique challenges that have presented themselves as a result of the Covid-19 pandemic and is slated to begin next week. Head of Programs at AFR, Jean Bosco Iyacu joins CNBC Africa for more.

WATCH FULL INTERVIEW 


Supporting Your Business Series: Advice from the Banking Sector in Rwanda

Supporting Your Business Series:

Advice from the Banking Sector in Rwanda

Improve your business management skills with AMI’s free Bootcamp and Trainings:
Bootcamp: Thursday, June 5th, 2020 – https://www.africanmanagers.org/rwandacovidwebinars/
Open Webinars: https://www.africanmanagers.org/covidwebinars/ 

Many SMEs have questions about banking services right now, given that businesses have faced low cashflow, difficulty in repaying loans, and uncertainty. In response, the SME Response Clinic brought together a panel of bankers for a Facebook Live Event.

On May 28, this live webinar entitled “A Discussion with the Banking Sector” kicked off the Supporting Your Business Series. The interactive session engaged banking experts Maurice K. Toroitich, Managing Director of BPR Atlas Mara, Robin C. Bairstow, CEO of I&M Bank and Chairman of Rwanda Bankers Association, and Christine Baingana, CEO of Urwego Bank. It was moderated by Tony Francis Ntore, Executive Secretary of the Rwanda Bankers Association, and Jean Bosco Iyacu, Director of Programs at Access to Finance Rwanda.

Bankers offered advice to SMEs on managing businesses and relationships with their financial institutions. Here are the top recommendations to help your business survive the pandemic:

Many SMEs operate without keeping accurate and up-to-date records, given their small staff and small revenues. However, banks will look MORE at accurate and complete records when they assess your creditworthiness than they look at collateral. This means:
• Keeping written records of cash in and cash out on a daily basis
• Ensuring that you can prove your cash flow by using your current account or mobile account for business transactions
• Using an EBM machine so that your transactions are recorded
• Paying your taxes, and keeping your tax paperwork in order – this also proves your cashflow and can be provided to the bank when applying for a loan
Many small business owners focus on collateral – like building houses – when they think about obtaining a loan. But, if your records are not in order, you may not qualify. Businesses must show the bank that they not only have cashflow, but also that they are able to manage it.
Learn more about keeping accurate records with AMI’s free Bootcamp and Trainings:
Bootcamp: Thursday, June 5th, 2020 – https://www.africanmanagers.org/rwandabusinessbootcamp/ 

One of the main mistakes banks see small businesses make is using one account for both business and personal funds. When you start a business, it is important to open a separate business account so that you can track your earnings and expenses in an organized way. A good rule is to pay yourself a salary, but to pay it from your business account into your personal account so that you have a clear idea of your cashflow.

Keeping separate accounts will help you to better understand your own business’s profitability and will help if you decide at some point to access credit from a formal institution.

The COVID-19 pandemic has brought many changes to the business climate in Rwanda. Those businesses that learn to be flexible, to assess the effect that the crisis has had on their businesses, and who learn to plan three to six months in the future will be best placed to survive.

One important piece of advice from bankers is for businesses to plan for a much different market than they experienced in the past. For example, if a business made a certain revenue pre-COVID, they should not assume that this will go back to normal after the crisis has passed. Planning for a different customer base, and for reaching new customers will be key. Some businesses may move online, or adapt a model with more delivery services, for example.

Another thing to keep in mind is that now is not the time to venture into a completely new business line. Trying to start a new business in a new market is one of the riskiest propositions during a difficult time. While there will be changes and modifications in existing businesses, trying to take on a new venture without the knowledge of the business, good or service, and without the capacity to run that new venture, may lead to failure. It is important to first ensure that you have the knowledge and capacity for a new venture before seeking capital from a bank. If you cannot demonstrate this, you are likely to be disqualified.

Learn more about keeping accurate records with AMI’s free Bootcamp and Trainings:
Bootcamp: Thursday, June 5th, 2020 – https://www.africanmanagers.org/rwandacovidwebinars/
Open Webinars: https://www.africanmanagers.org/covidwebinars/

To keep you, your staff, and your clients safe, new digital solutions can be used in place of cash. Currently, there are zero fees when you transfer from a mobile wallet to a bank account, transfer between mobile wallets (person to person transfers), pay a merchant with mobile money, or pay your bills with mobile money. There are also no fees when you make a payment at a merchant with a card via a point-of-sale (POS) device.

These digital solutions help not only in avoiding touching cash, but they also help to keep solid records of your business cashflow. It is important to keep separate wallets or digital accounts for personal and business transactions so that if you need to access a loan or other solution from a bank, you can clearly show these records as proof of your creditworthiness.

For current clients, banks have developed a number of services to help repay loans. These include grace periods on interest and principle, other deferments, and waiver of late penalties and fees. Banks understand that many SME businesses are experiencing a decline during the lockdown.

Talking to your bank – to your relationship officer or loan officer – is key. If you are having trouble do not wait, do so right away. The bank will work with you to decide the time period needed for grace periods or deferments, often depending on the sector you are in and how hard it has been hit.

On June 4, 2020, the National Bank (BNR) has launched the Economic Recovery Fund, a fund which will allow banks to offer discounted loans and other services to businesses struggling due to the crisis. However, it is important as a business to plan carefully about your capacity to borrow and to earn enough to repay your loan. Even though loans will be available at lower interest rates for qualifying borrowers, they are not a grant. These loans will come with the same terms and conditions as a normal loan – to repay in full, on time and with all applicable fees and charges.

If you do qualify, and have a clear plan for how you will use and repay the funds, you may learn more by talking with your relationship officer or loan officer. They will help to make sure that you have all of the paperwork needed, that you have been a responsible client in the past, and that the loan will be a help rather than a burden for your business.

Learn more about assessing your capacity to borrow with AMI’s free Bootcamp and Trainings:
Bootcamp: Thursday, June 5th, 2020 – https://www.africanmanagers.org/rwandabusinessbootcam
Open Webinars: https://www.africanmanagers.org/covidwebinars/

Banks find that sometimes clients will use the loan funds that they have received for something other than their business, and when it comes time to repay, they no longer have the money. This is the number one reason that banks lose confidence in a customer. While it seems like a good idea in the short term, it will affect your ability to take out loans in the future, especially now that defaulting on a loan will affect your credit rating with the Credit Reference Bureau.

Rather than diverting funds – even if you have a crisis – as always, you should talk immediately with your relationship officer or loan officer. Your bank is not there to judge you but to help you. Without clear, truthful, and up-to-date information from you, they will not be able to discuss your problem and come up with a solution that will avoid you falling into default.

Many businesspeople ask themselves: “Why should I get insurance and spend money that I will not see again if I do not experience a problem?” However, insurance is one of the most important products that a business can purchase to help manage risk. One rule the bankers offered is that if you cannot afford an insurance premium, then you cannot afford to not be insured.

In the case of an emergency – theft, a fire, an automobile accident – you need to protect the assets and infrastructure of your business. Insurance is available through financial institutions as well as through insurance companies to help you protect yourself against unforeseen events and avoid losing your livelihood.

The relationship between a business and its clients and customers cannot be ignored, even when the business climate is difficult. You have got to stay in contact with both customers and suppliers so that they know what you are doing to continue your relationship once business begins to pick up again.

For example, many small businesses struggle to pay rent or other suppliers because revenues were low or nonexistent during lockdown. While suppliers do not look forward to losing revenue, many are open to negotiation so that rather than losing ALL revenue, they still are able to make some earnings.

In terms of customers, you may not be able to supply goods and services in the same way that you could pre-COVID. You may need to negotiate with those who have paid in advance or reassure customers that you have a plan to reopen and will be working again as soon as possible. The key is to keep the lines of communication open so that your customers do not seek another business who is willing to speak with them and value their business.

Learn how to negotiate with suppliers with AMI’s free Bootcamp and Trainings:
Bootcamp: Thursday, June 5th, 2020 – https://www.africanmanagers.org/rwandacovidwebinars/
Open Webinars: https://www.africanmanagers.org/covidwebinars/

There are many misconceptions about banks and other financial institutions – they are only for the rich, they are not available to talk with me, they are just there to make money. While banks are indeed businesses, their business is to provide services to clients like you. The key to building a beneficial relationship with a bank is trust.
Sometimes clients are afraid to tell a bank that their business is struggling or having difficulties in repaying a loan, for example. However, banks are well aware that this is a difficult time for many small businesses, and it is in everyone’s interest to help these businesses survive. As a client, it is imperative that you talk with your relationship or loan officer right away and provide clear, up-to-date and truthful information so that they can work with you to come up with a solution.
Sometimes this may be a deferment or grace period on payments, it may mean adjusting the repayment schedule for a longer period, or other solutions. But without trust and communication, none of these services are available.
The world of business will be different post-COVID, and banks and other financial institutions are there to help SMEs navigate a more uncertain business climate. If you have not yet established a relationship with a bank, now is the time to do so. So:
• Get your financial records and other business paperwork in order
• Open an account so that you can start to keep good records that will help you as your business grows – especially if you will seek a loan at some point
• Keep your business and personal accounts separate
• Follow a course – like AMI’s Bootcamp or open courses – to learn important bookkeeping, risk management, and planning skills
• Keep the lines of communication open with your suppliers and clients
• Look for ways in which to adjust your existing business so that you can continue to do business
• View credit as a tool, but a tool that comes with responsibilities and not as a grant or a gift
• Use your loan for the purpose for which it was intended
If you keep these points in mind, and talk with your bank or financial institution so that they can help you when you need it, you will have a much greater chance of weathering the COVID-19 crisis!


Mfite impungenge ko amafaranga nzayamara kuri konti itunguka kubera ko igipimo cy’amafaranga yinjira n’asohoka kiri hasi muri iki gihe. Nakora iki?

Mfite impungenge ko amafaranga nzayamara kuri konti itunguka kubera ko igipimo cy’amafaranga yinjira n’asohoka kiri hasi muri iki gihe. Nakora iki?

Baza Banki yawe, SACCO cyangwa Ikigo cy’Imari Iciriritse (MFI) ibyerekeye “inguzanyo yihuse.”. Inguzanyo yihuse ni inguzanyo banki iha abantu ku giti cyabo n’ibigo by’ubucuruzi. Iyi nguzanyo ituma ufite konti akoresha amafaranga arenze ayo afite kuri konti ye itunguka iri muri banki.

Amabanki amwe n’amwe ashyira iyi inguzanyo no kuri konti yo kuzigama y’umukiriya.  Impamvu yihariye kuri uru rugero ni uko inyungu ibarwa gusa ku mafaranga ukoresha no ku mubare w’iminsi uyakoresheje, bitandukanye n’inguzanyo kuko yo wishyura inyungu buri kwezi ibarwa hashingiwe ku mubare (ingano) w’inguzanyo.

Twifashishe urugero kugira ngo turusheho gusobanukirwa uko inguzanyo yihuse ikora:

INGUZANYO YIHUSE IKORA ITE?

Dufate ko hari sosiyete yitwa XYZ Ltd.  Ifite konti itunguka muri Banki.

  • Isosiyete XYZ Ltd. yabikije 1.000.000 Frw kuri konti yayo itunguka iri muri Banki Y ku itariki ya 01/04/2020.
  • Iyi sosiyete yakoze isesengura n’imibare y’agateganyo maze isanga izakenera andi mafaranga arenze 1.000.000 Frw mu kwezi kwa Mata kubera ingorane zatewe n’Icyorezo cya COVID-19.
  • Kugira ngo yizere ko izabasha gukomeza ibikorwa byayo, Isosiyete XYZ Ltd yasabye Banki yitwa Y inguzanyo yihuse igera ku 1.500.000 Frw, maze Banki iyiha inguzanyo ku ijanisha ry’inyungu rya 12 % ku mwaka ikazishyurwa mu mwaka umwe.
  • Tariki ya 15 Mata 2020, Isosiyete XYZ Ltd igomba kuzishyura uwo ibereyemo umwenda amafaranga 1.300.000    Kubera ko nta yandi mafaranga ifite,  irakoresha inguzanyo yihuse ihawe na banki kugira ngo ibashe kwishyura.

 Dore uko uburyo bwo kwishyura bukorwa hagati ya banki n’umukiriya wayo:

  • Mu 1.300.000 Frw hazavanwamo ( – ) 1.000.000 Frw kuko ari wo mubare w’amafaranga Isosiyete XYZ Ltd ifite naho 300.000 Frw akoreshwe avuye ku nguzanyo yihuse abe ari umutungo wa Banki Y.
  • Inyungu zizabarwa gusa ku mafaranga ya Banki Y, ariyo 300,000 Frw , ku mubare w’iminsi inguzanyo yihuse izamara.
  • Tuvuge ko, niba XYZ Ltd yishyuwe n’umukiriya ku wa 30 Mata none akaba hari amafaranga afite, azashyira kuri konti ye iri muri Banki Y, umubare w’amafaranga ungana na 300. 000 Frw.
  • Inyungu zibarwa gusa ku minsi 15 ku mafaranga 300.000 maze isosiyete XYZ Ltd ikabasha gukoresha iyi nguzanyo yihuse mu gihe cy’umwaka ndetse igasaba banki kongera kuyiha indi nguzanyo niramuka ikomeje kwizerwa mu bikorwa byayo na Banki.

Ni gute nshobora kubona inguzanyo yihuse? Egera Banki, SACCO cyangwa Ikigo cy’Imari Iciriritse (MFI) mukorana umenye serivisi wemerewe n’uko konti yawe ihagaze. Hanyuma, ushobora gusaba umubare w’inguzanyo yihuse ukeneye, kandi wemerewe guhabwa.

I am afraid that I will overdraw from my current account since my cash flow is low right now. What can I do?

Ask your Bank, SACCO or MFI about an “overdraft facility.” An overdraft facility is a line of credit provided by banks to individuals and businesses. This facility allows an account holder to use more funds than are effectively available in their current account with the bank.

Some banks grant this facility to the customer’s savings account as well. The unique factor here is that interest is charged only for the money you use and for the number of days you use it, unlike a loan, where you pay interest every month on the loan amount.

Let us understand the working of an overdraft facility with an example:

HOW DOES AN OVERDRAFT FACILITY WORK?

Suppose XYZ Ltd. has a current account with Y Bank.

  • XYZ Ltd. deposits Rwf 1,000,000 in its current account at Y Bank on 1st April 2020.
  • The company has done some analysis and forecasts and found that it will need extra cash over and above Rwf 1,000,000 in the month of April due to COVID-19 impact.
  • To make sure it can stay afloat, XYZ Ltd. applies to Y Bank for an overdraft facility up to RWF 1,500,000, which is granted by the bank at 12% rate of interest per annum for one year.
  • On 15 April 2020, XYZ Ltd. is due to pay RWF 1,300,000 to a creditor. As it does not have extra cash available, it utilizes the bank overdraft facility and makes the payment.

 Here is how the repayment process works between the bank and the client:

  • Out of RWF 1,300,000 – RWF 1,000,000 is XYZ Ltd.’s own money & RWF 300.000 is used from overdraft facility and belongs to Y Bank.
  • The interest will be charged on Y Bank’s money, the RWF 300,000, only for the number of days it is overdrawn.
  • Say, if XYZ Ltd. receives a payment from a client on the 30th April and now has some cash, they will deposit the RWF 300, 000 in their Y Bank account.
  • The interest is only charged for 15 days on RWF 300,000 and XYZ Ltd. can use this facility for one year and request the bank to renew if it continues to make credible transactions.

How can I access an overdraft facility? Talk with your Bank, SACCO or MFI to find out what is available for you and your accounts. You can then apply for the amount of overdraft that you need, and for which you qualify.

 


Mfite ubushobozi bwo kwishyura umwenda, ariko nkeneye andi mafaranga kugira ngo ubucuruzi nkora bukomeze kugenda neza muri iki gihe cy’Icyorezo cya COVID-19.  Ese hari ubwoko bw’inguzanyo yamfasha kubigeraho?

Mfite ubushobozi bwo kwishyura umwenda, ariko nkeneye andi mafaranga kugira ngo ubucuruzi nkora bukomeze kugenda neza muri iki gihe cy’Icyorezo cya COVID-19.  Ese hari ubwoko bw’inguzanyo yamfasha kubigeraho?

“Kwemererwa inguzanyo” cyangwa “Guhabwa inguzanyo” ni inguzanyo uba usanzwe wemerewe iherekejwe n’igipimo cyihariye ntarengwa kigenwa hashingiwe ku cyizere banki ifitiye umukiriya. Uko icyizere umukiriya agirirwa kirushaho kuzamuka, ni nako arushaho kwemererwa inguzanyo.

Kwemererwa inguzanyo bituma abagurizwa babona inguzanyo batabanje kongera kubisaba buri gihe bazikeneye, igiteranyo cy’umubare w’inguzanyo basabye banki gipfa kutarenga igipimo kigenwe cy’inguzanyo bemerewe. Bituma ikigo cy’ubucuruzi gikomeza kubona amafaranga no mu bihe bikomeye, nk’ibyo duhanganye na byo muri iki gihe.

Urugero: niba wemerewe inguzanyo ya miriyoni eshanu ( 5.000.000 Frw), uzaba wemerewe kubikuza kugeza kuri miriyoni 5 kuri iyo nguzanyo niba uyemerewe.

Inguzanyo wemerewe, nk’uko bigenda ku nguzanyo dusanzwe tuzi, igira umubare w’amafaranga yishyurwa buri kwezi ndetse n’ijanisha ry’inyungu zayo. Bizirikane rero, nufata icyemezo cyo gusaba iyo nguzanyo. Hari inguzanyo zemererwa ibigo by’ubucuruzi n’izemererwa abantu ku giti cyabo.

Ni gute nakwemererwa inguzanyo cyangwa ngahabwa inguzanyo? Egera Banki, SACCO cyangwa Ikigo cy’Imari Iciriritse (MFI) bakubwire ubwoko bw’inguzanyo batanga. Niba muri iki gihe utari umukiriya, ushobora kugana ikigo cy’imari icyo aricyo cyose kugira ngo umenye byinshi kuri serivisi gitanga.

Ibigo byinshi bizagusaba kwandika ibaruwa isaba iherekejwe n’inyandiko za ngombwa nk’ishusho y’ibaruramari, imibare y’agateganyo y’amafaranga yinjira n’asohoka n’icyemezo cy’iyandikwa ry’ikigo cy’ubucuruzi, ugomba rero kubanza gushyira inyandiko zose za ngombwa ku murongo.

I have a good (positive) credit rating, but I need more money to be able to keep my business afloat during the COVID-19 pandemic. Is there any type of loan that would help with this?

A “line of credit” or “cash credit line” is a pre-approved loan with a specific borrowing limit based on the creditworthiness of the client. The better your credit, the more you may be able to borrow.

A line of credit allows borrowers to obtain credit without re-applying each time they need a loan as long as the total of borrowed funds does not exceed the credit limit. It helps a business stay liquid during a difficult time, like that we are experiencing now.

For example, if you are allowed a line of credit of Rwf 5 million you will be able to withdraw up to Rwf 5million from that line if you are .

A line of credit, like a traditional loan, will come with monthly payments and an interest rate, so keep that in mind if you decide to apply for one. There are lines of credit available for both businesses and individuals.

How do I get a line of credit or a cash credit line? Talk with your Bank, SACCO or MFI to find out more about the products they offer. If you are not currently a client, you can reach out to any institution to learn more about what they offer.

Most will require you to submit an application along with important documents like financial statements, cash flow projects and your trade license, so make sure you have your papers in order.


Ni iki Equity Bank Rwanda ikora mu gufasha ibigo bito n’ibiciriritse (SMEs) bikorana na yo muri ibi bihe bikomeye?

Ni iki Equity Bank Rwanda ikora mu gufasha ibigo bito n’ibiciriritse (SMEs) bikorana na yo muri ibi bihe bikomeye?

Ihuriro rishinzwe kwiga uburyo SME zihangana n’ingorane zatewe n’icyorezo cya COVID-19 ryaganiriye na Hannington Namara, Umuyobozi Mukuru wa Equity Bank Rwanda ku buryo banki irimo gukoresha ikoranabuhanga ifasha abakiriya bayo muri iki gihe.
Turasanga kugira ngo ibintu bizasubire mu buryo bitazaba byoroshye. Tuzamara igihe kitari gito tugihanganye n’ingaruka zatewe n’iki cyorezo. Bizadusaba kugira bimwe duhindura mu mikorere yacu.

Ni iki Equity Bank Rwanda ikora kugira ngo ifashe ibigo bito n’ibiciriritse (SMEs) bikorana na yo muri ibi bihe bikomeye?
Equity Bank Rwanda yashyizeho gadunda ifasha mu guha umurongo ibyo dukora hagamijwe korohereza mu buryo bushoboka Ibigo bito n’ibiciriritse (SMEs) kugira ngo bibashe kwivana mu bihe bibi byatewe n’icyorezo kugira ngo bisubukure neza ibikorwa. Urugero: ibigo bisanganywe inguzanyo, twabishyiriyeho ingamba zo kuzivugurura tumaze kubiganiraho n’abayobozi b’ibigo byahawe inguzanyo. Naho ku bigo byagizweho ingaruka mu buryo byaba ngombwa ko bihindura imiterere yose y’uburyo byakoraga, turimo kuganira n’ababikuriye ngo turebe ikindi cyakorwa. Turimo gukorana n’impuguke kugira ngo zitugire inama mu bya tekiniki ku cyakorwa kandi zizanaduhugurira abakozi bose ku buryo bahinduka abajyanama ku bakiriya bagana banki yacu.
Watubwira imwe mu mishinga mufite ishishikariza ikoranabuhanga banki yatangije igamije gufasha ibigo bito n’ibiciriritse (SMEs) bikorana na yo?
Nka banki, tumaze gushyiraho uburyo koranabuhanga buifasha banki n’abakiriya bayo muri serivisi za banki hakoreshejwe ikoranabuhanga nta wuvuye aho ari. Dufite programu koranabuhanga yihariye ifasha banki gukorana na SMEs yitwa EazzyBiz, yorohereza ibyo bigo bito n’biciriritse kwishyura no kwishyurwa, kugura amafaranga, kohereza amafaranga, n’izindi zerivisi. Turimo kugerageza korohereza ibigo bito n’ibiciriritse (SMEs) gukora bizinesi aho biri hose, harimo kubyorohereza mu nguzanyo bisaba kugira ngo byongere bisubukure ibikorwa by’ubucuruzi byakoraga.
Muri serivisi bakenera, ni gute abakiriya babasha kugeza ibibazo byabo kuri banki?
Abakiriya bashobora kubona serivisi za banki bifashishije programu twabashyiriyeho yitwa Eazzy Banking App, naho ibigo (SMEs) bikabasha kubona serivisi za banki byifashishije EazzyBiz. Urubuga rwacu ni www.equitybankgroup.com , dufite nimero abakiriya bakeneye serivisi bahamagara [455#].
“Dushimishijwe no kubana n’abakiriya bacu mu byo dukora. Turizeza abakiriya bacu ko tureba kure mu byo dukora byose. Mukomeze kutugana.”

What is Equity Bank Rwanda doing to support SME customers during this crisis?

The SME Response Clinic spoke with Hannington Namara, Managing Director of the Equity Bank Rwanda, about the ways in which the bank is going digital to support customers at this time.

We understand that the new normal is not going to be an easy one. The effects of this pandemic will be with us for some time. This will require that we transform the way we do things.

What is Equity Bank Rwanda doing to support SME customers during this crisis?

Equity Bank Rwanda has put a framework in place to help guide our actions with the intention of making it as easy as possible for SMEs to make it out of the pandemic and get back to business. For those who have loans, for instance, we’ve put in place arrangements to reschedule them in conversation with borrowers. For those who have been affected in a way that may make it necessary for them to change their business models entirely, we are talking to them about what else can be done. We are partnering with consultants to provide technical assistance and will help all of our staff become advisors.

Can you tell us about some of the digital initiatives the bank is undertaking to support SME customers?

As a bank, we now have complete end-to-end virtual banking available. We have a platform specifically for SMEs called EazzyBiz, which allows them to make and receive payments, purchase currencies, make transfers, and more. We are trying to make it easy for SMEs to do business from anywhere, including to request facilities to help them restart their businesses

How can customers engage with the bank?

Customers can bank through our Eazzy Banking App, and SMEs can bank through EazzyBiz. Our website is www.equitybankgroup.com, and we have a call center number [455#].

Facebook: https://www.facebook.com/RwEquityBank/

Twitter: https://twitter.com/RwEquityBank

Have questions? Please email smeresponseclinic@gmail.com

Have questions? Please email smeresponseclinic@gmail.com


Niba maze igihe narananiwe kwishyura inguzanyo natse, nko muri iki gihe igihugu gihanganye n’icyorezo cya COVID-19, Ni iki nakora?

Niba maze igihe narananiwe kwishyura inguzanyo natse, nko muri iki gihe igihugu gihanganye n’icyorezo cya COVID-19, Ni iki nakora?

Niba umaze igihe waraniwe kwishyura inguzanyo, hari uburyo bwashyizweho bwitwa “Ugusubika igihe cy’ubwishyu bw’inyungu ku nguzanyo” cyangwa “Gusubikirwa kwishyura inguzanyo” bugamije gufasha ababereyemo umwenda za banki. Igihe cyo gusubikirwa ubwishyu bw’inyungu ni igihe  kivanwa mu gihe kirekire inguzanyo yishyurwamo aho uwagurijwe aba adategetswe kwishyura. Ni igihe uwagurijwe aba ategereje mbere yo gutangira kwishyura umubare wagenwe buri kwezi.

Ni gute nasubikirwa igihe cy’ubwishyu bw’inyungu ku nguzanyo mu gihe mbyifuza? Icya mbere ni ukuvugana na Banki, SACCO cyangwa Ikigo cy’Imari Iciriritse (MFI)  kandi umukozi ushinzwe inguzanyo mu kigo ubereye umukiriya azabigufashamo. Egera umukozi ushinzwe inguzanyo akugezeho uburyo buhari wahitamo kugira ngo usubikirwe igihe cy’ubwishyu n’inzira ugomba gukurikiza niba uri mu bihe bituma utabasha kwishyura inguzanyo watse.

Ushobora kumvikana na banki mukorana niba uhitamo kuba usubikiwe igihe cy’ubwishyu bw’inguzanyo y’ibanze, inyungu ku nguzanyo, cyangwa se byombi. Bisobanuye ko ushobora kwemeranya na banki kuba wishyura inyungu ku nguzanyo gusa cyangwa ukaba wishyura inguzanyo, muri icyo gihe usubikiwe igihe cy’ubwishyu, cyangwa kutagira na kimwe wishyura kugeza igihe mwumvikanyeho kirangiye. Kubera Icyorezo COVID-19  n’ingaruka cyagize ku bigo by’ubucuruzi, amabanki menshi mu Rwanda arimo gufasha abakiriya bayo abasubikira igihe cy’ubwishyu bw’inyungu ku nguzanyo mu gihe cy’amezi 3 kugeza kuri 6.

Mwibuke ko inyungu zikomeza kubarwa no mu gihe umara usubikiwe igihe cy’ubwishyuku nyungu kandi ko uwagurijwe agomba kuzazishyura, keretse banki yemeye kuzimuvaniraho.

If I am completely unable to repay my loan for a period of time – like the current COVID-19 pandemic – what can I do?

If you are unable to repay a loan for a period of time, there is a process called a “moratorium period” or “loan repayment holiday” that is designed to help. A moratorium period is a period of time during a loan term when the borrower is not obligated to make a payment. It is a waiting period before the borrower starts making fixed monthly payments.

How can I access a moratorium if I need to do so? First, communication with your Bank, SACCO or MFI and your loan officer is very important. Talk with your loan officer about the options available for a moratorium and the process you need to follow if you are in a situation where you cannot repay your loans.

You can agree together with your bankers as to whether you will take a principal holiday, an interest holiday or both. This means, for example, that you can agree to pay only the interest or only principal during your moratorium period, or not pay anything at all till the agreed time. Due to the COVID-19 and its impact on businesses, many banks in Rwanda are offering loan moratoriums of 3 to 6 months.

Kindly note that interest accrues during the moratorium period and the borrower must pay it, unless your bank agrees to waive it.


Niba ubucuruzi nkora bubangamiwe n’ibibazo bigaragarira mu gipimo cy’amafaranga yinjira n’asohoka no kuba imari ihagaze nabi bikabije nkaba ntabasha kwishyura inguzanyo, nakora iki?

Niba ubucuruzi nkora bubangamiwe n’ibibazo bigaragarira mu gipimo cy’amafaranga yinjira n’asohoka no kuba imari ihagaze nabi bikabije nkaba ntabasha kwishyura inguzanyo, nakora iki?

Hari uburyo bukoreshwa twita “kuvugurura inguzanyo” cyangwa “kuvugurura umwenda,” bugamije gufasha ikigo kiri mu kaga kugabanya inguzanyo itishyurwa no kongera kumvikana ku buryo bwo kwishyura umwenda ukomoka ku nguzanyo imaze igihe itishyurwa no kubasha kongera amafaranga abitse ku buryo ikigo cy’ibucuruzi gishobora gukomeza ibikorwa byacyo.

Ubifashijwemo n’Umukozi ushinzwe Inguzanyo, mushobora kumvikana ku bwoko butandukanye bw’ibisubizo bifasha koroshya cyangwa kugabanyirizwa umuzigo wo kwishyura inguzanyo wahawe ku buryo ikigo cyawe gikomeza kugira imari ihagaze beza nticyongere guhungabana. Dore uburyo bukurikira bwo kubonera ikibazo umuti:

 

  • Guhindura umubare w’amafaranga wishyura buri kwezi. Guhindura uburyo bwo kwishyura inguzanyo bituma haba igabanuka ry’umubare w’inguzanyo usanzwe wishyura buri kwezi ku buryo uhwana n’amafaranga winjiza n’ayo usohora muri iki gihe. Ubu buryo bushobora kubamo igabanuka ry’umwenda ufite muri iki gihe, cyangwa hagatoranywa uburyo bukurikira.
  • Kongera igihe amasezerano y’inguzanyo amara. Ushobora kandi kongera amasezerano y’inguzanyo watse ku buryo umubare wishyura buri wezi usaranganywa mu gihe cyumvikanyweho hakurikijwe igihe gishya cyangwa kirekire uzishyuramo inguzanyo wahawe. Bisobanuye ko uzishyura inguzanyo yawe mu gihe kirekire, ariko ukazashya wishyura make kugira ngo bigufashe kwimenyereza kubaho mu buzima kandi amafaranga winjizaga yagabanutse. Bigomba kumvikana ko amwe mu mabanki ashobora kugira amafaranga make akwishyuza kubera iyi serivisi uhawe yo kukorohereza.

Navugurura nte inguzanyo yanjye? Kugira ngo ubashe kuvugurura umwenda ukomoka ku nguzanyo watse, mbere na mbere ugomba kubiganiraho n’umukozi ushinzwe inguzanyo kugira ngo umusobanurire neza uko ikibazo cyawe giteye maze mushyireho gahunda y’uburyo uzishyura. Bizagusaba kwandikira Banki yawe, Ikigo cy’Imari Iciriritse (MFI) cyangwa SACCO ubishyikiriza ibaruwa usaba kuvugurura inguzanyo, iherekejwe n’inyandiko zigaragaza umwirondoro wawe n’inyandiko ufite  zerekana uko ishusho y’imari yawe ihagaze.

If my business is facing cash flow problems and financial distress and I am having trouble repaying my loan, what can I do?

There is a process called “loan restructuring” or “debt restructuring,” which is designed to help a business in distress to reduce and renegotiate delinquent loan debt and to restore liquidity so that the business can continue its operations.

With your Loan Officer, you may agree to different kinds of solutions to alleviate or easy your credit repayment burden and stabilize the financial situation by:

  • Changing the amount you repay each month. By changing the method of loan repayment involves a reduction of your current monthly loan installment so that it matches your current cash flow. This may include reduction of current debt, or may include the below.
  • Extending the term of your loan agreement. You can also extend your loan agreement so that your monthly payments are redistributed in proportion to a new and longer term of lending. This means that you will repay your loan over a longer period of time, but your payments will be smaller to help you deal with lower revenues. It should be noted some banks may charge a small fee for this facility.

How can I restructure my loan? To restructure your loan debt, first, you should speak with your loan officer to clarify your situation and create a plan. You will then need to write to your Bank, MFI or SACCO and submit an application for the restructuring together with the documents that prove your identity and available documents representing your financial situation.

Through loan restructuring you will be able to maintain a positive credit history and stay in good standing with your financial service provider.