Ibyo KCB ikora
“Dushimishwa no kuba turi kumwe namwe. Turagira ngo twizeze abakiriya bacu ko turimo gukora ibishoboka byose ngo bagire icyizere cy’ejo hazaza. Mukomeze mukorane natwe.””
GEORGE ODHIAMBO, UMUYOBOZI MUKURU WA KCB BANK RWANDA
Twaganiriye na George Odhiambo, Umuyobozi Mukuru wa KCB Bank Rwanda, tumubaza icyo barimo gukora ngo bafashe abakiriya babo muri ibi bihe bidasanzwe.
Ni izihe ngamba KCB Bank Rwanda yafashe kugira ngo ifashe abakiriya bayo muri ibi bihe bidasanzwe?
Ubu banki irimo gusuzuma ibibazo abakiriya bacu bayigejejeho basaba kuvugurura amasezerano yo kwishyura inguzanyo, n’ibirebana n’inyungu yishyurwa, hagendewe ku gihe kingana n’amezi 3 kugera kuri 6. Mu gihe umukiriya abisabye, tumusubiza mu gihe kitarenze amasaha 48.
“We appreciate that we are in this together. We want to assure our customers that we are looking long-term. Keep engaging.”
GEORGE ODHIAMBO, MANAGING DIRECTOR, KCB BANK RWANDA
We talked to George Odhiambo, Managing Director of KCB Bank Rwanda to understand how they are meeting customer needs in this time of crisis.
What steps is KCB Bank Rwanda undertaking to support its customers during the crisis?
The bank is reviewing customer requests to reschedule loan disbursements, repayments, and to provide moratoriums on interest and principal for periods of 3-6 months. We have a commitment to respond to requests within 48 hours.
How should customers engage with the bank?
If you have a request, engage the bank as soon as possible by calling your Relationship Manager. Use digital channels.
- Twitter: @KCBRwanda
- Facebook: https://www.facebook.com/kcbbankrwandaplc
- Contact center number: +250 788140000
- Branch hours: 8.00am to 08.00pm from Monday-Saturday and from 8.00am to 04.00pm on Sundays
What recommendations does the bank have for business owners as they look toward the future?
While businesses is on hold, look at your plans for the year. Review your projections, understand how your needs may change, assess your own capabilities. We are doing this kind of thinking as a bank as well, and we want to align with you so the plans you have for your future are not adversely affected.
Abakiriya bafite ikibazo bagana banki bate?
“Niba ufite ikibazo, ihutire guhamagara banki, uvugane n’Urwego Rushinzwe Kwita ku Bakiriya. Ushobora no gukorasha uburyo bw’ikoranabuhanga.”
- Twitter: @KCBRwanda
- Facebook: https://www.facebook.com/kcbbankrwandaplc
- Terefoni: +250 788140000
- Amasaha y’akazi: ku wa Mbere kugeza ku wa Gatandatu ni ukuva 8:00 (mu gitondo) kugeza 08:00 (z’umugoroba), na ho ku Cyumweru ni ukuva 8:00 (mu gitondo) kugeza 4:00 (z’umugoroba)
Ni iyihe nama mwagira abakiriya bari basanzwe bakoraga ibikorwa byo kwiteza imbere?
“Niba ibikorwa byawe by’ubucuruzi byarahagaze, suzuma imigambi wari ufite mu gihe cy’umwaka. Ongera urebe ibyo wari warateganyije, wibuke ko ibintu bishobora guhinduka, ubundi ukore ibihuje n’ubushobozi ufite. Natwe muri banki ni uko. Turakora ibishoboka byose ngo tugufashe kugera ku byo wari wariyemeje kugeraho.”
Rwanda rwagejeje uburyo bwifashisha ikoranabuhanga mu kwishyura ku bacuruzi n’abatanga serivisi
AMAKURU AGEZWEHO: U Rwanda rwagejeje uburyo bwifashisha ikoranabuhanga mu kwishyura ku bacuruzi n’abatanga serivisi.
Nk’uko tubitangarizwa na Ministeri y’ikoranabuhaga no guhanga udushya: Mugihe cyose uzabwirwa ko ugiye gukatwa amafaranga
Amafaranga umuntu acibwa bitewe no gukoresha mobile money
Ikibazo: Mfite impungenge ko nshobora kwandura COVID-19 bitewe no guhererekanya amafaranga. Gusa nanone, amafaranga baduca bitewe no gukoresha mobile money na yo ni menshi. Ubwo nakora iki?
Igisubizo: Humura! Leta y’u Rwanda iriho irakora ibishoboka byose kugira ngo wishyure cyangwa uhabwe amafaranga mu buryo bukoroheye kandi udashyize ubuzima bwawe mu kaga. Zirikana ko nta MAFARANGA uzacibwa
Ushobora kuvana amafaranga kuri konti yawe ukayohereza kuri terefoni, cyangwa ukayavana kuri terefoni ukayohereza kuri konti ku buntu. Nta yandi ucibwa!
Ushobora kugura ibintu muri butike cyangwa mu maduka ukoresheje konti yawe yo kuri terefoni yawe nta yandi mafaranga uciwe. Ibi wabikora wifashishije terefoni, na twa tumashini twabigenewe bishyuriraho mu maduka (POS).
Nukoresha uburyo BWOSE bwo guhererekanya amafaranga binyuze mu ikoranabuhanga, nta yandi uzacibwa.
NTA yandi mafaranga MTN izaguca nukoresha mobile money wohereza, wakira cyangwa kwishura fagitire kugeza nibura muri Kamena 2020.
Airtel na yo iriho irakuraho amafaranga yose umuntu yacibwaga kohereza no kwakira cyangwa yishura amashanyarazi, amazi, n’ibindi bikunze gukenerwa akoresheje terefoni.
Ibyo ari byo byose kubikuza amafaranga kuri telefoni yanyu ku muajenti hari amafaranga ukatwa.
Si ngombwa ko ugira impungenge zo kongera gukora ku mafaranga. Izi ngamba zose zafashwe kugira ngo woroherezwe kohereza, kwakira no kwishyura udakoze ku mafaranga muri iki gihe.
Irinde! Koresha mobile money na serivisi z’ikoranabuhanga kugira ngo urinde ubuzima bwawe, wizeye ko nta yandi mafaranga ucibwa.
Niba ushaka amakuru ajyanye na KOVIDI-19 mu Rwanda, hamagara nomero itishyuzwa 114
UPDATE (May 12): Rwanda expands cashless payments
According to MINICT: If you are asked to pay additional fees or charges for a cashless payment, like mobile money or a credit or debit card, call and report this using the toll-free number 3988.
Fees & Charges
Question: I am afraid of using cash and catching the COVID-19 virus right now. But fees and charges for mobile money can be difficult to afford. What can I do?
Answer: You are in luck! The Government of Rwanda is making sure that it is safer and easier for you to make and receive payments during this uncertain time. What you need to know is:
- There are ZERO charges when you transfer money between your bank account and your mobile wallet. You will have no charge to do so!
- There are ZERO fees when you make payments using your mobile account at a store or other merchant. This is for mobile money transfers, as well as for using POS devices at a shop or merchant.
- In fact, ALL electronic transactions will have no fees during this time of COVID-19.
- MTN will NOT charge fees for using mobile money – to send, receive, or pay bills – until at least June of 2020.
- Airtelis also eliminating fees for sending and receiving mobile money at this time, and mobile payments of utilities are free as well.
Cashing out from your account at an agent, however, still carries fees.
You do not need to worry about touching cash. These measures have been taken to make it easier for you to make your payments and receive money even when many fear to touch money.
Be Safe! Use mobile money and digital services to keep yourself healthy, safe, and fees will not be charged!
Ese nakora iki ko bitanyoroheye kwishyura imisoro, mu gihe ubucuruzi bwanjye bucumbagira muri ibi bihe bya COVID-19?
Ese nakora iki ko bitanyoroheye kwishyura imisoro, mu gihe ubucuruzi bwanjye bucumbagira muri ibi bihe bya KOVIDI-19? Nari kuzayishyura ku itariki ya 31 Werurwe, ariko simbishoboye!
Igisubizo: Wigira ubwoba! Leta y’u Rwanda yiteguye gufasha abakora ubucuruzi buto n’ubuciriritse muri iki gihe. Ikigo Gishinzwe Imisoro n’Amahoro kirimo gutanga serivisi zacyo hafi ya zose hifashishijwe interineti kugira ngo kibafashe gukomeza kwirinda, kibarinda kugendagenda kandi musabwa kuguma mu rugo.
Mushobora kujya kuri uru rubuga https://www.rra.gov.rw/ kugira ngo mubone amakuru yose mukeneye cyangwa musobanuze ibijyanye n’ubucuruzi bwanyu buciriritse.
Dore ibindi nanone mukwiriye kumenya:
Kuva ku itariki ya 18 Werurwe, igenzura ry’imisoro ryabaye risubitswe byibura mu gihe cy’iminsi 30, keretse niba hari gahunda y’ubugenzuzi yari isanzwe yarateguwe mu bucuruzi bwawe.
Abacuruzi baciriritse bemerewe gusubizwa TVA. Bivuze ko TVA yari isanzwe isabwa abacuruzi baciriritse bazayisubizwa mu rwego rwo kubafasha kongera kwiyubaka.
Mbere y’uko havuka ikibazo cya KOVIDI-19, kumenyekanisha imisoro byari biteganyijwe gukorwa bitarenze tariki ya 31 Werurwe 2020. Ariko hashingiwe ku makuru ya virusi hamwe n’amabwiriza ajyanye no kuguma mu rugo, byimuriwe ku itariki ya 31 Gicurasi 2020.
Igihe ntarengwa cyahawe abasoreshwa bafite ubucuruzi buto n’ubuciriritse kugira ngo bagaragaze umusoro, cyongeweho ukwezi kumwe. Byitezwe ko abo basoreshwa bagaragaza umusoro ku nyungu no kuwishyura bitarenze itariki ya 30 Mata 2020.
The Government will give more guidance in May, when we all know more about the global pandemic, and how it will affect small and medium businesses here in Rwanda. But be assured that the Government is doing all possible to be sure that businesses have ways in which to deal with taxes in a way that is logical when many have had to shut in order to keep everyone safe.
Mu kwezi kwa gatanu, Leta y’u Rwanda izatanga andi mabwiriza bitewe n’amakuru mashya tuzaba dufite ku bijyanye n’ingaruka icyorezo cya KOVIDI-19 kizaba cyagize ku bucuruzi buciriritse mu gihugu. Leta ikaba yongeye kwizeza abacuruzi ko iriho ikora ibishoboka byose kugira ngo gahunda y’itangwa ry’imisoro n’amahoro izabe nta mucuruzi uhutajwe, mu gihe bizaba bigaragara ko ubucuruzi bwe bwadindijwe n’amabwiriza ya “Guma mu rugo”.
Komeza kwirinda! Murashishikarizwa gukurikirana amakuru yose yabagirira akamaro mu bucuruzi bwanyu buto n’ubuciriritse, kugira ngo budahagarara bitewe n’iki gihe kitoroshye turimo. Mukomeze kubungabunga ubuzima bwanyu!
Question: What can I do if I am having trouble paying my taxes while my business suffers during COVID-19? I was supposed to pay by 31st March, but I can’t!
Answer: Do not fear! The Government of Rwanda is taking action to help small and medium businesses right now. The Rwanda Revenue Authority is offering most services online – to keep you safe, and to keep you from having to move during a time when it is important to stay at home.
Go to https://www.rra.gov.rw/ to learn more and to request support for your small business.
Here is what else you need to know:
- As of March 18, tax audits are on hold for at least 30 days, unless your business has a desk audit that was previously planned.
- Small and medium businesses are now allowed a VAT refund. This means that VAT, which is normally charged to businesses on small and medium businesses, will be refunded to help with cash flow.
- Before COVID-19, the date for financial statements certification was March 31st, 2020. At this time, given what is known about the virus and current lockdown, these statements will be required on May 31st, 2020.
- The deadline for “small and medium-sized taxpayers” to file their taxes has been extended by one month. These taxpayers will be expected to file the tax returns and pay the amount of corporate income tax by 30 April 2020.
The Government will give more guidance in May, when we all know more about the global pandemic, and how it will affect small and medium businesses here in Rwanda. But be assured that the Government is doing all possible to be sure that businesses have ways in which to deal with taxes in a way that is logical when many have had to shut in order to keep everyone safe.
Be Safe! Make sure you find out about the benefits to your small or medium business when it comes to taxes, to help you keep your business afloat during these difficult times. And stay healthy!
Reference: Rwanda: Extended Tax Return Deadlines (COVID-19)
Ministry of Trade and Industry: COVID-19 Impact to Trade & Industry: A Recap of Government Mitigation to Businesses. 21st April 2020.
Nakora iki ko mfite impungengez’uko ntazabasha kwishyura inguzanyo bitewe n’uko ubucuruzi bwanjye bwahungabanye muri iyi minsi?
Kuvugurura amasezerano yo kwishyura inguzanyo
Ikibazo: Nakora iki ko mfite impungengez’uko ntazabasha kwishyura inguzanyo bitewe n’uko ubucuruzi bwanjye bwahungabanye muri iyi minsi?
Igisubizo:Wigira impungenge! Niba warafashe inguzanyo mu kigo cy’imari (banki), urasabwa guhita wegera banki mukorana niba ubona utazabasha kuyishyura muri ibi bihe bya COVIDI-19. Banki mukorana muzaganira ku mbogamizi zose ufite, kugirango harebwe impinduka zikenewe mu buryo bwo kwishyura iyo nguzanyo.
Nubwo amasaha yo kwakira abagana ibigo by’imari yahindutse mu rwego rwo kurinda ubuzima bw’abakozin’abakiriya, banki zizakomeza gukora kuri ubu buryo:
| Days/Iminsi | Hours/Amasaha |
| KuwaMbere – Ku waGatanu | Saa mbiri za mugitondo (8:00) kugeza saa kumi n’imwe z’umugoroba (5:00) |
| KuwaGatandatu | Saa mbiri za mugitondo (8:00) kugeza saa kumiz’umugoroba (4:00) [Biterwa na banki iyo ariyo, SACCO cyangwa Ikigo cy’Imari iciriritse] |
| Ku Cyumweru | Ntakazi |
Iyi gahunda yo korohereza abantu batse inguzanyo kuvugurura amasezerano yo kuyishyura, ishingiye ku masezerano Leta y’u Rwanda yagiranye n’ibigo by’imari. Leta y’u Rwanda yiyemeje gufasha abakora ibikorwa by’ubacuruzi muri ikigihe, kuko izi neza ko imirimo yabo yahagaze, bigatera benshi igihombo no kubura abakiriya.
Kuvugurura amasezerano yo kwishyura inguzanyo bisobanurako ushobora kongererwa igihe cyokwishyura, mu gihe banki mukorana yaba ibona ko ubikwiriye. Bivuze kandi ko utazasabwa kwishyura amafaranga wari usanzwe wishyura, kuko muri ikigihe nta mafaranga winjiza. Ibyo ariko ntibivuze ko uzaba uvaniweho umwenda,kuko uzishyura inguzanyo yose,hiyongereyeho inyungu n’ibindi bijyana.Icyakora uzahabwa igihe cyo kubanza kwiyubaka. Biteganyijwe ko icyo gihe kizarangira ku itariki ya 20 Kamena.
Banki Nkuru y’ u Rwanda (BNR) irimo irafasha za banki n’ibigo by’imari muri iyi gahunda yo kuvugurura amasezerano y’inguzanyo mu gihe cy’amezi atandatu(6)ari imbere. Ibi biraguha icyizere cy’uko ubucuruzi bwawe buzongera kujya mbere n’ubwo ubu kwishyura inguzanyo bikugora. Ikindi gishishikaje, ni uko ibigo by’ imari birimo guha inguzanyo abakora ibikorwa by’ubucuruzi biciriritse. Ukeneye kubimenya neza, wakwegera igiko cy’imari mukorana.
Irinde! Guma mu rugo, kandi niba ufite ikibazo cyo kwishyura inguzanyo wahawe, ubiganirize ikigo cy’ imari mukorana kuko gukemura icyo kibazo cy’ideni biri mu nyungu z’ibikorwa byawe ndetse n’iza bank yawe nubwo iyo nguzanyo yakwishyurwa itinze
(Itangazo rya Guverineri wa Banki nkuruy’igihugu rijyanye n’ingamba zo guhangana n’ingaruka z’ubukungu zizaterwa na COVIDI-19)
(Itangazo rya Minisiteri y’Ubucuruzi n’Inganda rwo kuwa 21 Mata 2020: COVIDI-19, ingaruka zayo ku bucuruzi n’inganda: Incamakey’ingamba Leta y’uRwanda yafashe, hagamijwe kurengera ubucuruzi.)
What will I do if I cannot pay back my small business loan because my business is suffering?
Answer: There is no need to panic! If you have a loan with a bank, SACCO or MFI, contact your bank right away if you find that you will be unable to make payments during COVID-19. Your bank will work with you to understand your needs and any changes in loan repayment needed.
Even though banking hours are now adjusted to keep both clients and bank staff safe, banks will be open:
| Days | Hours |
| Monday – Friday | 8am – 5pm |
| Saturday | 8am – 4pm (at the latest, depending on the Financial Institution) |
| Sunday | Closed |
This is because the Government of Rwanda has worked with Financial Institutions to assure that any borrower with an outstanding loan who cannot repay will be able restructure the loan. The Government understands that many businesses are suffering hardship during this time, with loss of income and customers, and is acting to help.
Restructuring a loan means that you may be able to delay payments if you and your business qualify. This means you would not need to make a regular payment during a time when you are not earning. You will still need to repay the loan in full, with all interest and charges, but you will be given the time that you need to recover. Right now, the period lasts until June 20th.
BNR is supporting Financial Institutions in this restructuring. So you can feel at ease that your business will have a resource to help you, even if you are struggling to repay a loan. What is more, some Financial Institutions are offering loans to help SMEs now. Another good reason to talk with your Financial Institution if you need support!
Be Safe! Stay at home, and talk with your Financial Institution if you are having trouble with loan repayments. It is in your business’s best interests – and your bank’s – if you succeed, even if there is a delay in payment.
Reference: RBA Press Release, Thursday, 19th of March 2020
Governor’s Press Release: Measures to mitigate the economic impact of the COVID-19 pandemic
Ministry of Trade and Industry: COVID-19 Impact to Trade & Industry: A Recap of Government Mitigation to Businesses. 21st April 2020.