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Polisi yo muri Singapore yahawe ububasha bwo guhagarika konti za banki zikekwaho gukorerwaho ubutekamutwe, nyuma y'uko bigaragaye ko abantu muri iki gihugu bibasiwe n'abatekamutwe ku rwego rwo hejuru.

Iri tegeko ryatowe muri Mutarama 2025, nyuma y'uko raporo y'iki gihugu igaragaje ko abaturage bahombye miliyoni 860$ bitewe n'ubutekamutwe.

Muri iryo tegeko rishya polisi yahawe ububasha bwo gutegeka amabanki guhagarika ibikorwa byo kohereza amafaranga kuri konti runaka, gukoresha ATM n'ibindi igihe bikekwako nyirayo yaba ari gutekerwa umutwe.

Icyakora konti yahagaritswe ishobora gukoreshwa yishyura ibiribwa cyangwa ibindi bintu polisi yatangiye uburenganzira nk'inyemezabwishyu (facture).

Minisiteri y'Umutekano muri Singapore yatangaje ko abaturage bakunze gutekerwa umutwe binyuze mu bucuruzi bwo kuri internet, gushora imari mu mahugu, ndetse no kubeshywa akazi.

Iyi Minisiteri ivuga ko abatekerwa imitwe baba baburiwe inshuro nyinshi ariko bakanga bakabirengaho.

Bamwe mu bayobozi bavuze ko ubu bubasha polisi yahawe bushobora kuzakoreshwa nabi harenganywa abaturage, gusa iyi minisiteri yasobanuye ko buzajya bukoreshwa igihe ubundi bwose bwananiranye.

Mu itangazo yagize ati 'Ubu buryo buzajya bukoreshwa nko gukemura ikibazo cyananiranye igihe ubundi buryo bwose bwananiranye.'

Muri Singapole ibirego byo gutekerwa umutwe byavuye ku 15.600 mu 2020 bigera ku bihumbi 50 mu 2025, ibyatumye hajyaho itegeko ririnda abaturage ubwo butekamutwe.

Polisi ya Singapore yahawe ububasha bwo guhagarika konti bikekwa ko ziri gukorerwaho ubutekamutwe

Kwitabira iki gikorwa bigaragaza umuhate I&M Bank ikomeje gushyira mu kubaka umubano ukomeye n'Abanyarwanda baba hanze, binyuze mu gutanga serivisi z'imari zorohereza abifuza gushora imari no kuzigama mu Rwanda, hagamijwe kubafasha kugera ku nzozi zabo z'igihe kirekire.

Mu rwego rwo kwegera abakiliya bayo bo mu mahanga, I&M Bank izaba ihari kugira ngo itange ubufasha bwo gufungura konti, igaragaze amahirwe yo gushora imari mu mutungo utimukanwa (nk'inyubako, inguzanyo z'ubwubatsi, no kugura ibibanza), ndetse inasobanurire abazayigana ibyerekeye konti zo kuzigama zunguka inyungu nyinshi n'ubujyanama bwihariye ku muntu ku giti cye.

Izi serivisi zateguwe mu buryo bw'umwihariko zigamije gufasha Abanyarwanda baba hanze kugira uburyo bwizewe bwo kubika no guteza imbere igihugu cyabo.

Iki gikorwa kandi kijyanye n'intego rusange ya I&M Bank yo kongerera Abanyarwanda bose amahirwe yo kugera kuri serivisi z'imari, harimo n'ababa mu mahanga, hagamijwe kubateza imbere no kubafasha kubaka ejo hazaza heza.

Mu myaka ishize, I&M Bank yakoze ibikorwa nk'ibi byo kwegera Abanyarwanda baba hanze mu bihugu bitandukanye by'i Burayi ndetse n'ibyo ku mugabane wa Afurika.

Umuyobozi Ushinzwe Serivisi z'Abakiliya ku giti cyabo muri I&M Bank, Yves Kayihura, yavuze ko hakenewe uburyo bworohereza Abanyarwanda baba hanze kandi ari byo banki ishyizemo imbaraga.

Ati 'Abanyarwanda benshi baba mu mahanga bagira inyota yo gushora imari no kubaka iwabo, ariko inzira binyuramo ishobora kubagora. Inshingano yacu ni ukuborohereza, tukabaha serivisi zisobanutse kandi zibabyarira inyungu.'

I&M Bank yitabiriye Rwanda Convention izabera i Dallas kugira ngo yerekane umuhate wayo wo guha abakiliya serivisi zishingiye ku byo bakeneye, ikabegera aho baba, aho bakorera n'aho bategurira ejo hazaza.

Iki gikorwa cyaherukaga mu myaka itandatu, giteganyijwe kubera muri Irving Convention Center, ku wa 4-6 Nyakanga 2025.

Ni iminsi itatu ifite igisobanuro gikomeye ku Banyarwanda kuko izahuriza hamwe ibikorwa birimo ibishingiye ku muco gakondo w'u Rwanda, gusabana no kurebera hamwe umusanzu mu iterambere ry'Igihugu.

Ibi byagaragajwe mu nteko rusange y'abanyamigabane b'iki kigo yabaye ku wa 29 Kamena 2025.

Umuyobozi Mukuru wa Goshen Finance, Musangamfura Ignace, yavuze ko gutera imbere ku muvuduko udasanzwe bishingira ku micungire myiza, gukorana neza n'abakiliya no kubaha serivisi zijyanye n'ibyifuzo byabo.

Yavuze ko ibyo bijyana no kongera ubushobozi bw'abakozi biciye cyane cyane mu mahugurwa, bikajyana no kubahiriza amategeko n'amabwiriza aba yarashyizweho.

Ati 'Akazi dukora si ugutanga amafaranga gusa, tugomba no gufasha umukiliya gusobanukirwa imikoreshereze inoze y'inguzanyo, tukirinda kumuhatira amafaranga atamufasha gutera imbere cyangwa inguzanyo z'umurengera.'

Imibare yerekana ko Goshen Finance Plc ikomeje kwaguka uko imyaka ihita indi igataha.

Mu 2021 konti zikora neza zari 46.515, mu 2022 ziba 50.648, mu 2023 ziba 57.532, mu 2024 zigera ku 62.032, na ho mu 2025 zigeze kuri 63.708.

Inguzanyo zatanzwe zazamutseho 21% mu 2024, ziva kuri miliyari 12 Frw mu 2023, zigeze kuri miliyari 15 Frw, mu gihe zigeze kuri miliyari 17 muri Gicurasi 2025.

Umusaruro wavuye mu bikorwa wazamutseho 19%, ugera kuri miliyari 2,6 Frw mu 2024, ugereranyije na miliyari 2,2 Frw mu 2023.

Urwunguko mbere y'umusoro mu 2024 rwageze kuri miliyoni 765 Frw, ruvuye kuri miliyoni 727 Frw mu 2023, bingana n'izamuka rya 5%.

Imari shingiro yazamutseho 23% bitewe n'inyungu yabonetse no kongerwa kwayo n'abanyamigabane.

Mu myaka itanu ishize, umutungo wa Goshen Finance wazamutse ku kigero cya 122%, uva kuri miliyari 8,9 Frw mu 2020 ukagera kuri miliyari 19,8 Frw mu 2024, mu gihe ugeze kuri miliyari 23 Frw kugeza muri Gicurasi 2025.

Urwunguko rwarazamutse ruva kuri miliyoni 352.7 Frw mu 2021 rugera kuri miliyoni 765 Frw mu 2024.

Imari shingiro na yo yarazamutse cyane, iva kuri miliyari 1,06 Frw mu 2021 igera kuri miliyari 2,47 Frw mu 2024, bingana n'izamuka rya 43%.

Perezida w'Inama y'Ubutegetsi ya Goshen Finance Plc, Nkubara Peter, yagaragaje ko bafite intego yo gukomeza guteza imbere ikigo no kwagura serivisi zacyo.

Ati 'Turashaka ko abakiliya n'abafatanyabikorwa banyuranye batugana kugira ngo dukomeze guteza imbere ibikorwa bya Goshen Finace Plc ndetse tutibagiwe n'abanyamuryango bayo. Twishimira ko twatangiye gutanga inyungu isaranganywa abanyamigabane (dividend) kuva umwaka ushize, kandi tuzakomeza kubikora.'

Goshen Finance Plc yashinzwe mu 2005, yemezwa na Banki Nkuru y'u Rwanda (BNR) mu 2006. Mu 2008 ihabwa uburenganzira bwo gukora nk'ikigo cy'imari.

Kugeza ubu ifite amashami icyenda arimo irya Nyarugenge, Ruhango, Kimironko, Musanze, Nyabugogo, Rubavu, Remera, Downtown n'iry'i Rwamagana.

Uhereye iburyo hari umuyobozi Mukuru wa Goshen Finance Plc, Musangamfura Ignace, Nkubara Peter usanzwe ari Perezida w'Inama y'Ubutegetsi na Visi Perezida w'Inama y'Ubutegetsi, Naho Raissa Concessa

Goshen Finance imaze imyaka 20 ikorera mu Rwanda

Abayobozi ba Goshen Finance Plc baheruka guhurira mu nteko rusange y'abanyamigabane b'iki kigo cy’imari

Ati 'Urabizi, barwanye imyaka myinshi. Kandi hakoreshwaga n'imihoro. Ni ubugome bukomeye. Ku nshuro ya mbere mu myaka myinshi, bagiye kugira amahoro, ni intambwe ikomeye.'

Minisitiri w'Ububanyi n'Amahanga w'u Rwanda, Olivier Nduhungirehe, yagarutse ku rugendo rwo gusinya ariya masezerano, anavuga n'ibikurikiyeho bijyanye n'ishyirwa mu bikorwa ryayo. Ni mu kiganiro yagiranye na Jeune Afrique.

Nduhungirehe yabajijwe uko byari bimeze ku wa 27 Nyakanga ubwo hasinywaga amasezerano, aho ku maso yasaga n'ufite akanyamuneza, abazwa niba ariko byari biri koko.

Ati 'Yego, kuko ni amasezerano y'amateka ashobora gushyira iherezo ku ntambara imaze imyaka 30. Ni byo koko, hashize igihe habaho ibiganiro byinshi by'ubuhuza ndetse n'amasezerano menshi yagiye asinywa.'

'Kuva intambara ya kabiri yo muri Congo yarangira n'amasezerano y'agahenge ya Lusaka mu 1999, nibura ntihabuze amasezerano nk'icumi yasinywe, ariko make cyane ni yo yashyizwe mu bikorwa. Ubu turizera ko, ku nshuro ya mbere dushobora kubona igisubizo binyuze mu buhuza bw'Abanyamerika n'uruhare rwa Qatar.

Nduhungirehe yavuze ko icyasinyiwe i Washington 'ni intambwe ya mbere, ni amasezerano hagati y'u Rwanda na RDC' mu gihe 'Ikibazo kijyanye na AFC-M23 kizaganirwaho i Doha hamwe na Leta ya Congo'.

Yabajijwe impamvu avuga ko hashize imyaka 30 hari intambara, niba bitumvikana nk'aho u Rwanda na RDC bimaze icyo gihe bihanganye.

Ati 'Oya na gato. Ahubwo, ni imyaka 30 hari umutwe witwa FDLR. Ni umutwe w'abagize uruhare muri Jenoside, wishe Abatutsi mu Rwanda mu 1994, wakomeje gufashwa, gutungwa no gushyigikirwa n'ubutegetsi butandukanye bwa Congo, kandi inshuro nyinshi wagerageje guhungabanya umutekano w'u Rwanda… Ni yo mpamvu twagiye dushyiraho ingamba z'ubwirinzi, kandi kurandura burundu abarwanyi bawo ni kimwe mu by'ingenzi biri mu masezerano ya Washington.'

Kimwe mu bintu byagarutsweho cyane mu gihe cy'aya masezerano na mbere yayo, ni ibijyanye n'ingamba u Rwanda rwashyizeho z'ubwirinzi. Leta ya Congo ibyita ko ari Ingabo z'u Rwanda ziri ku butaka bwayo ariko rwo rugasobanura ko ari ingamba zigamije kurinda imipaka y'u Rwanda.

Nduhungirehe yabajijwe igihe izo ngamba zizaviraho, ati 'Ndabashishikariza kongera kureba mu nyandiko ya Conops (Concept des opérations) yemerejwe mu biganiro bya Luanda ku wa 31 Ukwakira 2024. Iyo nyandiko isobanura neza ko kurandura umutwe wa FDLR ari byo bizatanga inzira yo gukuraho ingamba zacu z'ubwirinzi. Amasezerano twasinye i Washington nayo ntacyo atandukaniyeho n'ibyo.'

Yavuze ko amasezerano ya Washington agena ko kugira ngo ingamba ziveho, bigomba guterwa n'uko FDLR yasenywe. Yavuze kandi ko ari inshingano z'impande zombi kugena uburyo bukwiye kandi buboneye bwo kurandura FDLR.

Minisitiri Olivier Nduhungirehe aganira n’Umunyamabanga wa Leta Zunze Ubumwe za Amerika ushinzwe Ububanyi n’Amahanga, Marco Rubio

Nduhungirehe yongeye gukurira inzira ku murima abibwira ko u Rwanda rushobora kuganira na FDLR, ati ' Mbisubiyemo: FDLR igomba kurandurwa. Ni umutwe wakoze Jenoside wishe abarenga miliyoni mu gihugu cyacu. Ni umutwe ushyigikiwe na Leta ya Congo, ndetse zikanashyirwa mu ngabo za FARDC [ingabo za Leta ya Congo].'

'Ntabwo ari twe twenyine tubivuga n'imiryango mpuzamahanga irimo n'Umuryango w'Abibumbye warabigaragaje. Ni ukurandura FDLR bizatuma dukuraho ingamba zacu zo kwirwanaho.'

Ku bijyanye n'igihe ibiganiro byamaze

Umunyamakuru wa Jeune Afrique yabajije Nduhungirehe niba igihe cy'ibiganiro kitari gito cyane ku buryo ku ngingo zimwe na zimwe, Leta Zunze Ubumwe za Amerika yaba yarashyize igitutu ku mpande zombi.

Ati 'Oya na gato. Iminsi itatu yose twamaze i Washington twagiranye ibiganiro birambuye, ingingo ku yindi, igika ku kindi no kugeza ku kitso n'utudomo. Kandi mbere yaho, hari harabayeho kohererezanya ubutumwa binyuze kuri email.'

Ku bijyanye n'amabuye y'agaciro

Amasezerano ya Washington arimo n'igice cy'ubukungu, aho ibihugu byombi byemeranyije ku guteza imbere imishinga ibyara inyungu ifitiye abaturage akamaro. Nduhungirehe yabajijwe niba hari ibigo by'Abanyamerika bizajya bikura amabuye y'agaciro muri RDC bikayatunganyiriza mu Rwanda?

Ati 'Icya mbere nshaka kuvuga ni uko icyo gice cy'ubukungu, kitari kirimo mu bindi biganiro byabayeho, ariko ni igice cy'ingenzi cyane muri aya masezerano. Harimo ibijyanye n'ukwihuza kw'akarere n'ishoramari rihuriweho rizaba inyungu zituruka ku mahoro. Ibyo ni ingenzi cyane, kandi bigomba kuba ishingiro ryacu mu gukomeza kubaka umutekano n'iterambere mu karere.'

Abajijwe niba ibyo bivuze ko amabuye azavanwa muri Congo, hanyuma agatunganyirizwe mu Rwanda, yasubije ati 'Ibyo ni ibisobanuro bitaranozwa neza. Bizashyirwamo mu masezerano yihariye azakurikira.'

Ellevate yatangijwe ku wa 27 Kamena 2025, aho ku ikubitiro abagore 22 batoranyijwe mu bazahabwa amahugurwa n'ikigo cy'Abanyamerika gikora ishoramari mu bijyanye na banki cya Goldman Sachs.

Goldman Sachs ifite gahunda yo guhugura abagore ibihumbi 10 muri Afurika ku bijyanye n'ubucuruzi, uburyo bwo kugeza ibicuruzwa byabo ku masoko mpuzamahanga ndetse no kubafasha kugera kuri ayo masoko.

Guverineri wa Banki nkuru y'u Rwanda, Soraya Hakuziyaremye, yavuze ko iyi gahunda ya Ellevate itaje gufasha abagore gusa ahubwo igiye no kuzamura ubukungu bw'igihugu.

Yagize ati “Iyi gahunda igamije kugaragaza ubushobozi bw'abagore b'Abanyarwanda mu bijyanye n'ubucuruzi, kandi si guteza imbere abagore mu bucuruzi gusa ahubwo ni no guteza imbere ubukungu bw'igihugu.”

Akomeza avuga ko abagore ari bo bayoboye mu bucuruzi buto n'ubuciriritse gusa bakomeza kugorwa no kubona imari, bityo ibigo by'imari bikwiye kurushaho gufasha abagore bari mu bucuruzi.

Umuyobozi Mukuru wa Ecobank Rwanda, Carine Umutoni, yavuze ko gahunda ya Ellevate itagiye kuzamura umugore gusa ahubwo igiye no kumufungurira amarembo ku masoko mpuzamahanga.

Yagize ati “Twizera ko umugore wese ufite inzozi no kugira ubucuruzi bwe, akwiye kubona amahirwe yo kubona ibikoresho akeneye, imari ndetse naho gucururiza. Yaba asanzwe akora ubucuruzi cyangwa abutangiye ariko yifuza kugera kure, Ellevate izamufasha.”

Ellevate ni gahunda ije gufasha abagore bakora ubucuruzi kugera ku nzozi zabo binyuze mu bikorw byinsh biteganyijwe n'iyi gahunda.

Guverineri wa Banki nkuru y'u Rwanda, Soraya Hakuziyaremye, yavuze ko iyi gahunda igiye kuzamura ubukungu bw’u Rwanda

Umuyobozi Mukuru wa Ecobank Rwanda, Carine Umutoni, yavuze ko gahunda ya Ellevate itagiye kuzamura umugore gusa ahubwo igiye no kumufungurira amarembo ku masoko mpuzamahanga

Gahunda ya 'Ellevate' igenewe abagore bakora cyangwa bashaka gukora ubucuruzi, aho izajya ibaha inguzanyo y'agera kuri miliyoni 70 Frw nta ngwate

Gahunda ya 'Ellevate' izajya ifasha abagore bakora cyangwa bashaka gukora ubucuruzi, kubona amahugurwa

Amafoto: Isaac & Shumbusho Djasiri

Umushinga uzibanda ku kwagura amahirwe y'iterambere, gutanga imirimo no kunoza ibikorwaremezo birengera ibidukikije.

Watewe inkunga na Banki y'Isi binyuze mu Ihuriro Mpuzamahanga ry'Iterambere, IDA, uzagera ku bantu bagera ku 380.000 barimo impunzi 115.000 n'abaturage batuye hafi y'inkambi bagera kuri 265.000 bo mu turere dutandatu.

Jya Mbere II yubakiye ku byagezweho muri Jya Mbere I yibanze ku gufasha abo bantu mu bijyanye n'ishoramari, kubaka ibikorwaremezo bibahuza ndetse unateza imbere imibereho yabo ya buri munsi.

Izafasha muri gahunda ya Leta y'u Rwanda yo gufasha impunzi kwigira no kwishakamo ibisubizo, ariko binafashe abazakiriye mu bice bitandukanye zibamo kutumva ko ari umutwaro ahubwo ari abafatanyabikorwa mu iterambere.

Uzafasha mu guteza imbere uburezi, ubuzima, kugeza amazi meza ku mpunzi n'abazakiriye, kubaka ibikorwaremezo nk'imihanda, amavuriro, amasoko byose bigakorwa mu buryo burengera ibidukikije.

Jya Mbere II kandi izibanda ku guhangana n'ingaruka z'imihindagurikire y'ibihe, guteza imbere ibikorwaremezo, gukumira imyuzure, kubaka uburyo bwo gufata amazi, gukumira inkangu mu bice bice by'uturere nka Karongi, Kirehe, Nyamagabe n'ibindi.

Ni mu gihe mu karere ka Gatsibo na Kirehe hazavugururwa imihanda hagamijwe koroshya ubucuruzi.

Impuguke mu Iterambere ry'Imibereho myiza muri Banki y'Isi, Mathew Stephens, yavuze ko 'Jya Mbere II' ari ikimenyetso kigaragaza ubuyobozi buhamye bw'u Rwanda mu gushaka ibisubizo birambye kandi kuri bose.

Ati 'Turimo kubaka serivisi zifasha impunzi n'abaturage kubana neza, bakabona akazi kabahesha agaciro, n'imikorere ifasha abaturage kurushaho guhangana n'ibibazo.'

Umuyobozi wa Banki y'Isi mu Rwanda, Sahr Kpundeh, yavuze ko ibizakorwa mu cyiciro cya Kabiri cy'uyu mushinga birenze gutanga serivisi gusa, ahubwo bizibanda ku gushishikariza impunzi n'abaturage kwinjira mu bikorwa by'ubukungu no kongera ubushobozi bwo guhangana n'ingaruka z'imihindagurikire y'ibihe.

Biteganyijwe ko uyu mushinga uzatanga akazi ku bantu barenga 10.000 cyane cyane abagore n'urubyiruko.

IDA iri kugira uruhare muri uyu mushinga yashinzwe mu 1960, ifasha ibihugu biri mu nzira y'amajyambere kwiteza imbere. Ifasha ibihugu hafi 74% biri mu nzira y'amajyambere. Ibingana na 39% bibarizwa muri Afurika.

Inkunga za IDA zifasha byibuze abagera kuri miliyari 1,3. Kuva mu 1960, IDA imaze gutanga miliyari zikabakaba 500$ mu bihugu 114. Ibyo itanga buri mwaka byageze kuri miliyari 34,7$, 70% by'ayo mafaranga bikajya muri Afurika.

Inkambi ya Mahama iherereye mu Karere ka Kirehe. Icumbikiye impunzi nyinshi zo muri RDC no mu Burundi

Karengera ni umwe mu mirenge itanu y'Akarere ka Nyamasheke ikora kuri Pariki ya Nyungwe. Abenshi ni abahinzi.

Ngirinshuti Protogène wo mu Mudugudu wa Gitwa, Akagari ka Gasayo Umurenge wa Karengera, yavuze ko mu bibangamiye iterambere harimo ikibazo cy'inyamaswa ziva muri Pariki ya Nyungwe zikabonera imyaka.

Ati “Nanjye ziranyonera ariko njye ntabwo bikabije. Mu kwa 5 umwaka ushize umuturanyi wanjye zamuririye ibigori umurima munini, ushinzwe ubuhinzi araza bamwuzuriza amafishi ariko umwaka urashize bataramwishyura”.

Murekatete Gloriose yavuze ko bitewe n'uko aya mafaranga y'inyishyu z'ibyabo byonwa n'inyamaswa atinda, bagera aho bagacika intege zo kuyakurikirana.

Ati “Twarabiretse kuko n'ubundi amafarnga baha umuntu yasiragiye ntacyo yamumarira, abantu benshi bacitse intege”.

Nsabimana Emmanuel yav uzeko iyo bamenyesheje ubuyobozi ikibazo bubaha amafishi bakiyandikaho ariko bagategereza amafaranga bagaheba.

Ati “Mu kwa 12 no muri uyu mwaka mu kwa mbere zaratwoneye baratwandika ariko n'ubu ntabwo amafaranga turayabona. Turasaba ko bajya batwishyurira ku gihe”.

Umukozi w'Ikigega cyihariye cy'ingoboka, gifite mu nshingano kwishyura abonewe n'inyamaswa zo mu byanya bikomye, Nibakure Florence, yavuze ko ubusanzwe umuturage wonewe n'inyamaswa z'agasozi yishyurwa mu gihe kitarenze ukwezi kumwe.

Ati “Iyo umuturage yonewe n'inyamaswa ajya kureba agoronome, akaduha ubutumwa bugufi mu cyumweru gikurikiyeho tukaza tukamubarira, mu kindi cyumweru akaba yabonye amafaranga”.

Ubuyobozi bw'iki kigo buri kwezi bwakira dosiye z'abaturage barenga 1000 bavuga ko bonewe n'inyamaswa zo mu byanya bikomye.