IBICIRO BIGEZWEHO KU BIJYANYE NA SERIVISI ZA MOBILE MONEY
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.
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.
Ubufasha Cogebanque iha ibigo (SMEs) bikorana na yo muri ibi bihe by’Icyorezo
Ubufasha Cogebanque iha ibigo (SMEs) bikorana na yo muri ibi bihe by’Icyorezo
Ihuriro rishinzwe kwiga uburyo ibigo bito n’ibiciriritse (SME) bihangana n’ingorane byatewe n’icyorezo cya COVID-19 ryaganiriye na Joel Kayonga, Umuyobozi ushinzwe Ubucuruzi muri Cogebanque ku byerekeye ingaruka zihariye zibangamiye ibyo bigo n’ingamba iyi banki irimo gufata kugira ngo ibufashe muri iki gihe bikomeje guhangana n’ingaruka byatewe n’iki cyorezo.
Nubwo ingamba zafashwe mu rwego rwo kwirinda icyorezo zigenda zoroshywa, haracyari kare kugira ngo abakiriya bagire ibyemezo bikomeye bafata byerekeye ibikorwa by’ubucuruzi bakora. Ba nyiri ibigo by’ubucuruzi ubu bahisemo kuba bategereje ngo barebe ko hari impinduka zigaragara ziba. Kubera umwuka uteye utyo, SMEs zikeneye kubona amakuru ku gihe yerekeye uburyo ibintu birimo kugenda bihinduka.
Ni izihe ngorane zikomeye zibangamiye SMEs muri iki gihe?
Ingorane ya mbere ni ukuzahara kw’ibikorwa by’ubucuruzi. Gahunda yo gufunga bimwe mu bikorwa bitari iby’ingenzi yatumye ibikorwa by’ubucuruzi bihagarara. Ingorane zihari ni izifitanye isano no kubona igishoro cyo gukoresha mu kwishyura imishahara y’abakozi no kwegeranya amikoro mu rwego rwo kwitegura gusubukura ibikorwa by’ubucuruzi. Inzego z’imirimo zitagizweho ingaruka cyane ni ubuhinzi bugamije ubucuruzi n’ubw’ibihingwa ngengabukungu byoherezwa mu mahanga. Urwogo rw’amahoteri n’amacumbi ni rwo rwagizweho ingaruka cyane kubera ingamba zo kugabanya urujya n’uruza rw’abantu.
Mu gihe ingamba zo kwirinda icyorezo zirimo koroshywa, haracyari imbogamizi kuko imipaka yakomeje gufungwa. U Rwanda rutumiza mu mahanga ibyinshi mu bicuruzwa ku masoko yarwo kandi ba rwiyemezamirimo bakenera gukora ingendo kugira ngo babashe gushora amafaranga bahaha ibicuruzwa. Abakiriya ntibazabasha kubona ibicuruzwa bakeneye imipaka itarafungurwa, ni yo mpamvu, ”bahisemo kuba bategereje kugira ngo ibintu bisubire mu buryo.”
Watubwira ubufasha banki igenera ibigo bito n’ibiciriritse (SME) bikorana na yo?
Ibyinshi mu bigo bito n’ibiciriritse (SME) bikorana na banki yacu byatugaragarije ko bikeneye ko inguzanyo zabyo zivugururwa, ni yo mpamvu turimo gukora ibishoboka ngo dufashe ibyo bigo tubyorohereza kwishyura inguzanyo kandi tubyongerera igihe cyo kwishyura izo nguzanyo. Nka banki, Cogebanque yibanda ku nzego z’imirimo zazahajwe cyane n’ibi bihe turimo by’icyorezo ifasha bimwe mu bigo bikorana na yo kuzahura ubucuruzi byabyo. Iyo ikigo cyishyuraga neza kandi ingorane gihura na zo zikaba zifitanye isano n’Icyorezo cya COVID-19, icyo gihe banki yahitaga igisonera kwishyura inguzanyo mu gihe cy’amezi atatu (3). Ariko ku bigo byo mu nzego zimwe na zimwe by’umwihariko amahoteri n’urwego rw’ubukerarugendo, byasubikiwe kwishyura mu gihe cy’amezi atandatu (6). Banki kandi irifuza kongera igihe iyi gahunda izamara bitewe n’uko ibintu bizaba byifashe, kubera ko bizatwara igihe kirekire kugira ngo ibi bigo bisubukure neza ibikorwa byabyo. Cogebanque kandi yahaye inguzanyo zihuse abakorera umushahara cyangwa ibindi bigo byari bikeneye kongera igishoro.
Ni gute banki yabashije gukomeza serivisi iha Ibigo bito n‘ibiciriritse (SMEs) bikorana na yo?
Ubwo hatangizwaga ingamba zo guhagarika ingendo n’ibikorwa by’ubucuruzi bitari iby’ingenzi, twasanze ari ngombwa gufunga amwe mu mashami kubera igabanuka ry’urujya n’uruza rw’abantu n’ibintu. Muri Kigali, amashami atatu (3) ni yo yakomeje gufungura ariko twanagabanyije amasaha y’akazi. Mu by’ukuri nta kirogoya yabaye muri serivisi dutanga kuko banki yari yashyizeho ubundi buryo bwo guha serivisi abayigana. Twasanze abantu benshi baritabiriye gukoresha uburyo bw’ikoranabuhanga, kubona serivisi za banki ukoresheje terefoni ngendanwa, gahunda ya Mobile Wallet (Gahunda y’ikofi) na USSD.
Ibigo (SMEs) bike cyane ni byo byari bitariyandikisha gukorana na banki hifashishijwe murandasi no kugezwaho serivisi za banki hifashishijwe terefoni ngendanwa kubera ko ibyinshi (SMEs) bikunda guhererekanya amafaranga mu buryo bwa cash. Ikintu twiboneye ni uko umubare w’abakiriya bitabiriye gukoresha uburyo bw’ikoranabuhanga banki yacu yabashyiriyeho wazamutse cyane kubera ko guhererekanya amafaranga mu ntoki (cash) gusa bitashobokaga, cyane cyane kubera ko nta wari wemerewe gukora ingendo.
Mu rwego rwo korohereza abakiriya ba banki kubona serivisi batavuye aho bari, Cogebanque yabafashije gukoresha umuyoboro wa WhatsApp n’izindi mbuga nkoranyambaga mu kuzuza imyirondoro no kuyohereza, bityo bibarinda gukora ingendo bajya aho banki ikorera. Twagejeje ku bakiriya amafishi basabiraho amakarita ya banki (yo kwishyura no kubikuza) hifashishijwe ikoranabuhanga maze tuyaboherereza dukoresheje email. Twoherereje abakiriya amwe mu makuru abagenewe ibindi bisobanuro tubishyira ku rubuga rwacu aho bashobora kubisanga.
Cogebanque provides support to SME customers through the pandemic
The SME Response Clinic spoke with Joel Kayonga, Commercial Director at Cogebanque about specific challenges for SMEs and the actions that the bank is taking to support them during this ongoing pandemic.
Even if the lockdown has been eased, it is a bit early for clients to make big decisions related to their businesses. Business owners are taking an approach of “let’s wait and see.” Given this, SMEs need timely information about how the situation is evolving.
What are the biggest challenges SMEs are facing right now?
First, a slowdown in business. The lockdown brought business to a standstill. Challenges are related mainly to working capital to be used to pay salaries and stock up in preparation for business picking up again. The only sectors that have not been truly affected are agribusiness and commodities. The hospitality sector has been the hardest hit because of restrictions on movement.
While the lockdown has been eased, there are still challenges because borders remain closed. Rwanda is a net importer, and Cogebanque’s clients need to travel to be able to deploy funds and stock up on goods. Until the borders are open, clients will be unable to do this, so they have the approach of “let’s wait and see.”
Can you tell us about the support the bank is providing to SME customers?
Most of our SME customers have expressed the need to have their facilities refinanced, so we are working to help them smooth their loan repayments and have given them deferments. As a bank, Cogebanque is focusing relief on specific sectors that have been hit hardest. If the client was up to date with payments and if the challenges they are facing are clearly COVID-related, the bank automatically gives them a deferment of 3 months. But for some sectors, specifically hotels and others in the tourism sector, deferments are for 6 months. The bank is also willing to extend these as the situation evolves, because it will take longer for them to see business really pick up again. Cogebanque has also provided small overdrafts for salaries or other urgent capital needs that businesses have.
How has the bank ensured continuity of service to SMEs?
At the beginning of the lockdown, we saw the need to close some branches given reduced traffic. In Kigali, we kept 3 branches open and reduced opening hours, but there were really no disruptions in service given that the bank has alternative channels in place. We saw a huge jump in terms of traffic on digital platforms, mobile banking, the mobile wallet and USSD.
Quite a few SMEs were not yet registered to our internet banking and mobile banking offerings since most SMEs tend to transact in cash. What we have seen is a growing appetite for clients to use our digital platforms given that doing only cash transactions is not feasible, especially if you can’t move around.
To facilitate onboarding, Cogebanque has had clients use channels like WhatsApp and other platforms to fill out and send documentation, eliminating the need for them to come to an office. We also availed the forms for application for debit cards and credit cards online and sent them to clients via email. We have also sent out and posted useful tutorials for our clients.
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/
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/
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
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!
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.
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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.
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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.
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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.
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Tubararakiye gukurikirana ikiganiro n’abanyamabanki ku rubuga rwacu rwa facebook ku wa 28 Gicurasi!
Tubararakiye gukurikirana ikiganiro n’abanyamabanki ku rubuga rwacu rwa facebook ku wa 28 Gicurasi!
Guhera saa cyenda kugeza saa kumi ku wa Kane, tariki ya 28 Gicurasi, tubararikiye gukurikira SME Response Clinic kuri facebook mu mahugurwa muzakurikira kuri Facebook imbonankubone hakoreshejwe ikoranabuhanga muzagezwaho n’abanyamabanki b’abanyarwanda n’Ishyirahamwe ry’abanyamabanki bo mu Rwanda.
Kugira ngo mubashe gukurikirana ayo mahugurwa, mufungura paji yacu ya SME Response Clinic kuri Facebook saa cyenda (ku wa 28 Gicurasi). Ni yo mahirwe muzaba mubonye yo kumenya byinshi byerekeye ibyo amabanki akora mu gufasha Ibigo Bito n’Ibiciriritse muri iki gihe cy’icyorezo cya COVID-19.
Ihuriro ryiga ku bibazo by’Ibigo bito n’Ibiciriritse rigamije gutanga amakuru ahagije ku bigo bito n’ibiciriritse mu Rwanda mu gihe cy’Icyorezo cya COVID-19. Abafatanyabikorwa b’Ihuriro bazi neza ko ibyinshi mu bigo bito bihanganye n’ibibazo byo kubura amafaranga byinjiza n’ayo bisohora, kwishyura inguzanyo n’ibihe biri imbere muri iki gihe bigoye kumenya uko ibintu bizaba byifashe.
Amabanki n’ibindi bigo byatangiye kugaragaza uruhare rw’ingenzi mu kubonera ibisubizo ibibazo byagaragaye kubera ibi bihe turimo. Hari bimwe mu bikorwa na serivisi byashyizweho bigamije gufasha mu gukemura ibibazo byo kubura amafaranga yo gukoresha, igabanuka ry’amafaranga ibigo byinjiza n’amafaranga abitse. Ibanga ry’imicungire y’igikorwa cy’ubucuruzi no kubasha guhangana n’iki cyorezo ku buryo ibigo bito n’ibiciriritse bibasha kwivana muri ibi bibazo ni ukuba bifite amakuru agezweho, kugira umutekano uhoraho mu byo bikora no kugira amakuru kuri serivisi zemerewe zibifasha kuzahura ibikorwa byabyo nka bimwe mu bigo bikora ubucuruzi cyane cyane iyo bitanga serivisi zo mu rwego rwazahajwe cyane n’ibi bihe nk’ubukerarugendo, amahoteri cyangwa gutwara abantu n’ibintu.
Muri ayo mahugurwa azakurikiranwa hifashishijwe ikoranabuhanga, muzahugurwa kuri bimwe mu bicuruzwa na serivisi birimo koroherezwa kwishyura inguzanyo, kongererwa igihe cyo kwishyura inguzanyo hagabanywa inyungu z’ubukererwe, guhabwa indi nguzanyo no guhabwa mu buryo butaziguye inguzanyo n’abanyamabanki bo mu Rwanda. Abazitabira muzaba mufite amahirwe yo kubaza ibibazo no kuganira n’abanyamabanki bakurikira:
- Christine Baingana, Umuyobozi Mukuru (CEO) wa Urwego Bank
- Maurice K. Toroitich, Umuyobozi Mukuru wa BPR Atlas Mara
- Robin C. Barstow, Umuyobozi Mukuru wa (CEO) I&M Bank Rwanda
Aya mahugurwa azakurikiranwa hifashishijwe ikoranabuhanga azategurwa ahanini mu rurimi rw’Icyongereza kandi ayoborwe na Tony Francis Ntore, Umunyamabanga Nshingwabikorwa w’Ishyirahamwe ry’Abanyamabanki mu Rwanda na Jean Bosco Iyacu, Umuyobozi w’Imishinga (Director of Programs) muri Access to Finance Rwanda.
Tubararikiye gukurikirana iki kiganiro cy’ingirakamaro!
Supporting Your Business Series:
A Discussion with the Banking Sector
Join us on Facebook on May 28th for a live discussion with bankers!
From 3-4pm on Thursday, May 28th, join the SME Response Clinic on Facebook for a live webinar with Rwandan bankers hosted by Access to Finance Rwanda and the Rwanda Bankers Association.
You can join simply by opening up the SME Response Clinic page on Facebook at 3pm on May 28th. It will be your chance to learn more about what banks are doing to help SMEs during the COVID-19 pandemic.
The SME Response Clinic’s goal is to provide more information to SMEs in Rwanda during the pandemic. The Clinic’s partners know that many small businesses are struggling with lack of cash flow, repayment of loans, and an uncertain future right now.
An important part of the response is already coming from banks and other institutions. There are products and services in place that are meant to aid with issues of working capital, reduced revenue and liquidity. The key to managing a business and surviving the pandemic will be to stay informed, stay safe, and know what is available to you as a business person – especially if you operate in a hard-hit industry like tourism, hospitality or transport.
During the webinar, you will learn about products and services like loan repayment holidays, loan moratoriums, lines of credit and overdraft facilities directly from Rwandan bankers. You will have the opportunity to ask questions and interact with:
- Maurice K. Toroitich, Managing Director of BPR Atlas Mara
- Robin C. Bairstow, CEO of I&M Bank and Chairman of Rwanda Bankers Association
- Christine Baingana, CEO of Urwego Bank
This webinar will be held primarily in English and will be moderated by Tony Francis Ntore, Executive Secretary of the Rwanda Bankers Association, and Jean Bosco Iyacu, Director of Programs at Access to Finance Rwanda.
Please join us for this important event!
Ni iyihe politiki y’isoresha ikurikizwa muri iki gihe cy’Icyorezo cya Covid-19?
Tariki ya 1 Kamena 2020: Amakuru mashya arebana n’imisoro
Ni ayahe mabwiriza agenga imisoro muri ibi bihe by’icyorezo cya COVID-19?
Igisubizo: Humura! Leta y’u Rwanda yafashe ingamba zo gushyigikira abakora ibikorwa by’ubucuruzi buto n’ubuciriritse muri ibi bihe. Serivisi hafi ya zose z’Igiko cy’imisoro n’amahoro (RRA) zitangirwa kuri interineti, mu rwego rwo kubungabunga ubuzima bw’abantu no kubarinda gukora ingendo muri iki gihe basabwa kuguma mu rugo.
AMAKURU MASHYA: Ku itariki ya 29 Gicurasi 2020, Rwanda Revenue Authority
yatangarije abasoreshwa bose ko itariki ntarengwa yo gutanga ibitabo by’ibaruramari
byamejwe byo mu mwaka wa 2019, yavuye ku ya 31 Gicurasi 2020, ikimurirwa ku ya 30
Kamena 2020. Nyuma y’iyo tariki, igihe ntarengwa cyo kwishyura kizasubira uko byahoze.
Zirikana ibi:
- Kuva ku itariki ya 11 Gicurasi 2020, kubara avansi y’umusoro ku nyungu z’ibigo (CIT) n’umusoro ku nyungu z’abantu ku giti cyabo (PIT) bizashingirwa ku byacurujwe muri uyu mwaka.
- Abafite ibinyabiziga bikora imirimo ibyara inyungu bazishyura avansi y’umusoro ku nyungu, hashingiwe ku gihe batangiriye gukora.
- Igihe cyo gusonera umusoro ku bihembo (PAYE) abakozi bo mu bigo by’ubukerarugendo n’amahoteri bahembwa amafaranga 150.000 (umushahara utahanwa) cyongeweho amezi atatu, ni ukuvuga kuva muri Mata kugeza muri Kamena 2020.
- Nanone igihe cyo gusonera umusoro ku bihembo (PAYE) abarimu bo mu bigo by’abikorera bahembwa amafaranga 150.000 (umushahara utahanwa) kizongerwaho amezi atandatu, ni ukuvuga kuva muri Mata kugeza muri Nzeri 2020.
- Udupfukamunwa twose dukorerwa mu Rwanda hagamijwe kwirinda COVID-19 dusonewe umusoro ku nyongeragaciro (VAT).
Itangazo rya Rwanda Revenue Authority– 29 Gicurasi 2020
Mwizere mudashidikanya ko Leta y’u Rwanda ikora ibishoboka byose ngo abacuruzi boroherezwe kwishyura imisoro. Niba hari ibindi ushaka kumenya cyangwa gusobanuza ku bucuruzi bwawe, jya kuri https://www.rra.gov.rw/.
Rinda ubuzima bwawe! Niba ukora ubucuruzi buto cyangwa ubuciriritse, menya amabwiriza y’imisoro agenga ubucuruzi bwawe kugira ngo budahungabana muri ibi bihe bidasanzwe. Nanone kandi, komeza kwita ku buzima bwawe!
Aho byavuye:
Itangazo rya Minisiteri y’Imari n’Igenamigambi – 9 Gicurasi 2020
Ingamba u Rwanda rwafashe zirebana n’imisoro no gushyigikira ubukungu mu bihe by’icyorezo cya COVID-19 – CGTN News, 10 Gicurasi 2020
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UPDATE June 1st, 2020
Taxation
What is the current policy on taxes during the COVID-19 pandemic?
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.
UPDATE: The Rwanda Revenue Authority (RRA) announced on May 29th, 2020, that for all taxpayers with an obligation to submit certified financial statements for 2019, the deadline for submission has been extended from May 31st, 2020 to June 30th, 2020. After this, payment deadlines will return to normal.
Here is more important information:
- As of May 11th, 2020, computation of your quarterly payments for Corporate Income Taxes (CIT) and Person Income Tax (PIT) will be based on transactions of the current year.
- Transport motor vehicles are required to pay their quarterly fixed PIT this year, pro-rated to the period of operation.
- Pay As You Earn (PAYE) will be waived for a period of three months from April to June 2020 for employees in the tourism and hotel sector and are earning up to 150,000 RWF net salary.
- PAYE will also be waived for a period of six months from April to September for teachers in private schools earning up to 150,000 RWF net salary.
- All masks made in Rwanda to help prevent COVID-19 are exempt from value-added tax (VAT).
Be Safe! Make sure you find out about the tax requirements for your small or medium business, to help you keep your business afloat during these difficult times. And stay healthy!
References:
Rwanda Revenue Authority Public Announcement – May 29th, 2020
Ministry of Finance and Economic Planning Public Announcement – May 9th, 2020
Rwanda Announces Tax Exemptions to Support Economic Recovery Amid COVID-19 – CGTN News, May 10th, 2020
