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RDB yakirana yombi abashoramari b’abanyamahanga
<a href="https://unctad.org/system/files/official-document/wir2020_en.pdf">Raporo</a> y’inama y’umuryango w’abibumbye ushinzwe ubucuruzi n’iterambere (United Nations Conference on Trade and Development/ UNCTAD) yo muri 2020 yerekana ko ishoramari ry’abanyamahanga ritaziguye muri Afurika y'iburasirazuba ryagabanutseho 9% rigera kuri miliyari 7.8 z'amadolari y’Amerika muri 2019, rivuye kuri miliyari 9 z'amadolari y’Amerika muri 2018. Iri gabanuka ryatewe ahanini n’uko amafaranga yinjiye muri Kenya yagabanutseho 18% ugereranyije na 2018.
<a href="https://rdb.rw/rwanda-development-board-registers-us-1-3-billion-worth-of-investments-in-2020/">Ikigo cy’Igihugu cy’Iterambere</a> (Rwanda Development Board/ RDB) kigaragaza ko muri 2020, handitswe ishoramari rifite agaciro ka miliyari 1.3 z'amadolari y’Amerika rikaba ryaragabanutseho 47.1% ugereranije n'umwaka wari wabanje wa 2019. Muri 2019, RDB yanditse ishoramari rifite agaciro ka miliyari 2.46 z’amadolari y’Amerika.
Kugabanuka kw’ishoramari byatewe n'icyorezo cya COVID-19 cyagize ingaruka ku bukungu bw'Isi. By’umwihariko ishoramari ry’abanyamahanga ritaziguye ringana na 51% by'ishoramari ryanditswe muri 2020, mu gihe imishinga ihuriweho ifite agaciro ka 29%, naho ishoramari ry’abenegihugu rikangana na 20% by'ishoramari ryose ryakozwe.
Ni mu gihe ugereranije no mu mwaka wari wabanje wa 2019, Ishoramari ry’abanyamahanga ritaziguye ryari 37% by’ishoramari ryanditswe, mu gihe imishinga ihuriweho yari 44%, naho ishoramari ry’abenegihugu ryari 19%. Ibi bigaragaza izamuka ry’ ishoramari ry’abanyamahanga ritaziguye.
Ishoramari ry’abanyamahanga ritaziguye rifite inyungu ku Rwanda ndetse no kuri abo bashoramari. Ishoramari ry’abanyamahanga ritaziguye rizamura ubukungu bw’u Rwanda binyuze mu kongera umusaruro mbumbe (GDP), kongera ingano y’umusoro winjira, guhanga akazi, iterambere mu ikoranabuhanga, kuzamura ubumenyi n’uburambe by’abakozi, iterambere ry’ibikorerwa imbere mu gihugu, ndetse rikanazamura ibikorwa remezo. Ni mu gihe kandi ishoramari ry’abanyamahanga ritaziguye rifasha abashoramari barikora kwagura isoko ryabo, kubona abakozi mu buryo bworoshye, ubufasha bwa Leta nko kugabanyirizwa imwe mu misoro.
Urubuga <a href="https://www.visitrwanda.com/investment/why-invest/?o=tab-1">www.visitrwanda.com </a>rugaragaza ko amahirwe ari mu Rwanda akurura abashoramari b’abanyamahanga ari ubukungu butera imbere cyane, gukora ubucuruzi mu buryo &nbsp;bworoshye, ubukerarugendo buteye imbere, imiyoborere myiza, umutekano, abaturage bari mu myaka yo gukora, iterambere mu itumanaho n’ikoranabuhanga, ibikorwa-remezo, uburinganire n’ubwuzuzanye hagati y’abagabo n’abagore, igipimo cya ruswa kiri hasi, umwenda muto ugereranyije n’ibindi bihugu byo mu karere, ndetse n’agaciro k’ifaranga ry’u Rwanda.
Ishoramari ry’abanyamahanga ritaziguye mu Rwanda rihura n’imbogamizi zirimo kuba u Rwanda rudakora ku nyanja, ubucucike bw’abaturage benshi ku buso buto, ubushobozi bw’abakozi, amikoro makeya y’ abanyagihugu, n’ihindagurika ry’ibiciro.
Mu guhangana n’izi mbogamizi ariko, Guverinoma y'u Rwanda yemeje ko sosiyete mpuzamahanga zifite icyicaro cyazo cyangwa icyicaro cyo mu karere kiri mu Rwanda zigabanyirizwa imwe mu misoro, koroherezwa kubona ibyangombwa byabinjira, ndetse hashyizweho icyanya cy’ubucuruzi n’inganda muri Kigali (Kigali Special Economic Zone) giherereye i Masoro.
Ishoramari ry’abanyamahanga ritaziguye (bita mu cyongereza Foreign Direct Investments) ni ishoramari iryo ari ryo ryose rikozwe n'amasosiyete y’ubucuruzi akomoka &nbsp;mu bihugu byo hanze y’igihugu akoreramo. Urugero, sosiyete y’itumanaho ya MTN y’abanyafurika y’Epfo ikorera ibikorwa byayo by’ubucuruzi mu Rwanda.

Ishoramari Ry'Abanyamahanga Ritaziguye Mu Bukungu Bw'u Rwanda 

<a href="https://www.google.rw/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=&amp;cad=rja&amp;uact=8&amp;ved=2ahUKEwjNnprq5KXxAhUN3IUKHRWvCGQQFjAAegQIAhAD&amp;url=http%3A%2F%2Fwww.cma.rw%2Findex.php%3Fid%3D75&amp;usg=AOvVaw1G0aIE7cXxBkxMms7TP8sd">Isoko ry' imari n’ imigabane</a> ni isoko rigizwe n’ impapuro zishobora kuba umwenda cyangwa imigabane, aho ibigo by’ ubucuruzi na leta bishobora gukusanya igishoro cy’ igihe kirekire. Iri soko ry’ imari rigizwe n’ isoko ry’ ibanze n’ isoko rya kabiri. Mu isoko ry’ ibanze ni isoko rihuza abagurisha impapuro z’ imari ku nshuro ya mbere, mu gihe isoko rya kabiri ari isoko rigurishwaho imigabane yari yaramaze kugurwa ku nshuro ya mbere. Kimwe n' andi masoko, ibiciro ku by’ impapuro mpeshwafaranga bigenwa n’ ubushobozi n’ umubare by’ abaguzi n’ abagurisha.<a href="https://www.google.rw/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=&amp;cad=rja&amp;uact=8&amp;ved=2ahUKEwjNnprq5KXxAhUN3IUKHRWvCGQQFjAAegQIAhAD&amp;url=http%3A%2F%2Fwww.cma.rw%2Findex.php%3Fid%3D75&amp;usg=AOvVaw1G0aIE7cXxBkxMms7TP8sd"> </a>Muri iyi nkuru, <a href="http://www.wazoplus.com/">wazoplus.com</a> irabagezaho amakuru y’ ibanze akenewe ku mikorere y’iri soko.
Nubwo isoko ry’imari n’ imigabane mu Rwanda ryatangiye muri 2009, ibigo birishinzwe byagiyeho nyuma. <a href="https://www.cma.rw/index.php?id=12">Mu Rwanda</a> hashyizweho:
<ul>
 <li>Ikigo cy’ igihugu gishinzwe isoko ry’imari (Capital Market Authority/ CMA). na</li>
 <li><a href="https://www.rse.rw/About-Us/Background/">Rwanda Stock Exchange Ltd</a></li>
</ul>
CMA yashyizweho n’Itegeko No 23/2017 ryo ku wa 31/05/2017 rishinzwe guteza imbere no kugenzura isoko ry’imari n’ imigabane, ndetse n’ ibijyanye naryo naho <a href="https://www.rse.rw/About-Us/Background/">Rwanda Stock Exchange Ltd</a> ikaba ari isosiyete yigenga yashinzwe ku ya 7 Ukwakira 2005 igamije gukora ibikorwa by’isoko ry’ imigabane. Rwanda Stock Exchange Limited yanditswe nka sosiyete ifite uburyozwe ku migabane. Rwanda Stock Exchange Ltd yatangijwe ku mugaragaro ku ya 31 Mutarama 2011.
Ku bijyanye n’impampuro mpeshamwenda, ni impapuro abashoramari batandukanye (abantu ku giti cyabo, ibigo by’imari, amashyirahamwe, ibigo byigenga…) bashobora gushoramo amafaranga baguriza Leta, mu gihe izo mpapuro zishyizwe ku isoko, bakajya bahabwa inyungu zibarwa ku mwaka, bakazasubizwa amafaranga batanze bagura izo mpapuro igihe zagenewe kirangiye.
Nkuko tubikesha urubuga rwa <a href="https://www.rse.rw/product-and-services/Listed-Companies/#">sosiyete yigenga ishinzwe imari n’ imigabane</a> (Rwanda Stock Exchange Ltd/ RSE), ku isoko ry’ imari n’ imigabane harimo amasosiyeti 10 arimo: Banki ya Kigali (BK), RH Bophelo Ltd, CIMERWA PLC, I&amp;M Bank Group Ltd, Equity Bank Group Ltd, Kenya Commercial Bank (KCB), National Media Group, Uchumi Super Market Ltd, BRALIRWA, na MTN Rwandacell. Ibi bigo byashyize imwe mu migabane yabyo ku isoko ry’ imari n’ imigabane mu rwego rwo kuzamura umutungo wabyo. Ku isoko ry’ imari n’ imigabane, umuguzi agura guhera ku migabane 100 kuzamura.
Mu gihe mu Rwanda hari RSE, <a href="https://www.eac.int/financial/capital-markets">isoko ry’imari n’ imigabane mu muryango w’ibihugu by’Afurika y’iburasirazuba</a> (East African Community/EAC) ryatangiriye &nbsp;muri Kenya aho hashyizweho isoko ry’imari n’imigabane rya Nairobi (Nairobi Stock Exchange/NSE) mu 1954 ryahuzaga amasosiyete yo mu bihugu bitatu byakoronijwe n’abongereza aribyo Kenya, Tanzania, na Uganda. Gusa bijyanye nisenyuka rya EAC muri 1977, NSE yagumanye amasosiyete yo muri Kenya bituma mu myaka ya za 1990 havuka isoko ry’imari n’imigabane rya Uganda (Uganda Stock Exchange/USE) &nbsp;n’ isoko ry’imari n’ imigabane rya Dar es Saalam (Dar Salam Stock Exchange/DSE).
Isoko ry’ imari n’ imigabane rizamura umutungo w’ amasosiyete yacuruje imigabane cyangwa impapuro mpeshwamwenda kuko ryongera igishoro cy' ayo masosiyete. Iri soko rifasha kandi abagurisha imigabane yabo baguze muri ayo masosiyete kunguka amafaranga ugereranije nayo bari bayiguzeho. Ni mu gihe kandi n’ubukungu bw’ igihugu buzamuka kuko iri soko rizamura umusaruro mbumbe w‘ igihugu.

Inshamake ku mikorere y’isoko ry'imari n’imigabane mu Rwanda

Inshamake Ku Mikorere Y’isoko Ry'imari N’imigabane Mu Rwanda

Banki nkuru y’ u Rwanda niyo igenzura urwego rw’ imari mu gihugu (Ifoto: <a href="https://www.rba.co.rw/post/BNR-yasabye-ibigo-byimari-kudasaranganya-abakiriya-babyo-inyungu-zabonetse-mu-mwaka-ushize">www.rba.co.rw</a>)
Kimwe na 2020, umwaka wa 2021 ukomeje kurangwa no guhangana n’ ingaruka z’ icyorezo cya COVID-19 cyatumye ubukungu bw’ u Rwanda buzahara, aho umusaruro mbumbe wagabanutseho 0.6% mu gihembwe cya kane cya 2020, ukazamukaho 3.5% mu gihembwe cya mbere cya 2021. Iyi nkuru iragaragaza inshamake ku miterere y’ urwego rw’ imari mu Rwanda mu gihembwe cya mbere cya 2021 nkuko tubikesha isesengura rya <a href="https://solutions.transunion.com/international/rwanda/market-analytics-report/?=undefined">TransUnion Rwanda</a>.
<a href="https://solutions.transunion.com/international/rwanda/market-analytics-report/?=undefined">U Rwanda</a> rwihaye intego yuko Abanyarwanda hafi ya bose bazaba bakorana n’ ibigo by’ imari muri 2024. &nbsp;Kugeza ubu &nbsp;93% by’ abafite hejuru y’ imyaka 18 (abasaga miliyoni 7) babona serivisi z’ imari zemewe n’ amategeko cyangwa zitemewe, mu gihe 3.7% gusa y'abantu barengeje imyaka 18 (abasaga ibihumbi 500) nta buryo na bumwe bwa serivisi z’ imari bakoresha.
<a href="https://solutions.transunion.com/international/rwanda/market-analytics-report/?=undefined">TransUnion Rwanda</a> ifite inyandiko yerekana ko abasabye inguzanyo mu bigo by’ imari bagera kuri miliyoni 1.9, muri bo abagera kuri:
<ul>
 <li>96.1% (miliyoni 1.8) ni abantu ku giti cyabo.</li>
 <li>Mu gihe abagera kuri 3.9% (74,280) ari amasosiyete.</li>
</ul>
Ibiro bishinzwe inguzanyo muri <a href="https://solutions.transunion.com/international/rwanda/market-analytics-report/?=undefined">Banki Nkuru</a> y’ u Rwanda, bitangaza ko inguzanyo zasabwe mu gihembwe cya mbere ari miliyoni 5.8, mu gihe konti zikoreshwa ari miliyoni 1.7 (29.6% by’ inguzanyo zasabwe). Ibi bigaragaza ko uwasabye inguzanyo afite nibura konti 2.
<a href="https://solutions.transunion.com/international/rwanda/market-analytics-report/?=undefined">Amakuru yo</a> mu gihembwe cya mbere cya 2021 yerekana ko:
<ul>
 <li>Umubare wa konti nshya wagabanutseho 19.72% ugereranije n' uwari watangajwe mu gihembwe cya kane cya 2020.</li>
 <li>Ingano y’ amafaranga yatanzwe nayo yagabanutseho 77.3% ava kuri miliyari 1023.1 z’ amafaranga y’ u Rwanda agera kuri miliyari 232.3.</li>
</ul>
Inguzanyo zitangwa zaragabanutse mu gihembwe cya mbere cya 2021 bitewe no gufunga ibikorwa mu gihugu cyose (lockdown) harimo no gufunga ubucuruzi budakenewe. <a href="https://solutions.transunion.com/international/rwanda/market-analytics-report/?=undefined">Amabwiriza</a> ya Guverinoma y’u Rwanda, asaba abatanga inguzanyo kuvugurura no koroshya igihe cyo kwishyura inguzanyo mu gihe cya COVID-19, yatumye igipimo cy’ inguzanyo zitishyurwa ku gihe kigabanukaho gato, aho igihembwe cya kane cy’ umwaka ushize cyarangiye icyo gipimo ari 5.26% kiza kugabanuka kigera kuri 5.15% mu gihembwe cya mbere cya 2021. SACCO ni zo zifite ijanisha rinini ry’ inguzanyo zitishyurwa ku gihe rya 7.1%, amabanki agakurikiraho na 6.9% mu gihe ibigo by’ imari iciriritse bifite 2.1%.
<a href="https://solutions.transunion.com/international/rwanda/market-analytics-report/?=undefined">Imibare ya konti nshya</a> ntirasubira ku rwego yahozeho mbere ya COVID-19 kuko guhera mu gihembwe cya mbere cya 2020 kugeza mu gihembwe cya mbere cya 2021 yagiye igabanuka:
<ul>
 <li>Mu mabanki konti nshya zavuye ku 173181 zigera kuri konti 76954 (igabanuka rya 55.6%),</li>
 <li>Mu bigo by’ imari iciriritse konti nshya zavuye ku 21654 zigera kuri konti 14017 (igabanuka rya 35.3%),</li>
 <li>Muri koperative zo kuzigama no kuguriza (SACCO) konti nshya zavuye ku 22354 zigera kuri konti 19178 (igabanuka rya 14.2%).</li>
</ul>
Mu kiganiro wazoplus yagiranye n’ Impuguke akaba n' Umusesenguzi mu bukungu Bwana Teddy Kaberuka, yemeranyije na raporo ya TransUnion Rwanda ku byerekana ihungabana ry’ ubukungu mu rwego rw’ imari: “Ihungabana ry’ urwego rw’ imari ryatewe n’ ihungabana ry’ izindi nzego z’ ubukungu zirimo ubucuruzi, ubukerarugendo ndetse n’ izindi serivisi muri rusange. Guverinoma y’ u Rwanda ikwiye kunganira urwego rw’ imari ikarutera inkunga kugirango rubone amafaranga yo guha abaturage mu rwego rwo kuzahura ubukungu”.
Ku kijyanye na gahunda Leta y' u Rwanda yihaye y' uko muri 2024 hafi Abanyarwanda bose bazaba bakorana n' ibigo by' imari, Impuguke akaba n' Umusesenguzi yavuze ko hakiri kare, gusa yongeraho ko icyorezo kiramutse kigejeje muri 2022 na 2023 iyi gahunda itagerwaho.
Teddy Kaberuka asoza agira inama Leta, yo kuba yafatanya n' abafite mu nshingano gukora politike y' imari &nbsp;n' iy' ubukungu aribo Banki nkuru y' u Rwanda BNR na Minisiteri y' imari n' igenamigambi, bakareba uburyo hajyaho politike yihariye igamije kuzanzamura ibigo by' imari, hakarebwa uburyo byahabwa amafaranga yo guha abakiriya babyo, bityo bigafasha mu kuzahura ubukungu muri rusange.
Mu guhangana n’ ingaruka za COVID-19, abatanga inguzanyo bagirwa inama yo kuzahura urwego rw’ ishoramari ryabo bakanazirikana ko inguzanyo batanga zizamura ubukungu bw’ igihugu. Ikindi basabwa ni ukwibanda ku bakiliya babo bakamenya ibyo bakeneye kugira ngo bahaze isoko ndetse &nbsp;bakanagenzura imikoreshereze y’ inguzanyo batanga mu rwego rwo guhangana n’ ibibazo byaterwa n’ igihombo cyavuye mu bakiliya.
Abatanga inguzanyo barasabwa gushyiraho uburyo bwiza bw’ imikorere mu gutanga serivise hifashishijwe ikorabuhanga, kandi dosiye y’ umukiliya ikagenzurwa hagamijwe gukumira uburiganya no gushaka ibisubizo bifasha guhangana n’ ibibazo biterwa no gukoresha nabi inguzanyo.
Urwego rw’ imari byitezwe ko ruzakomeza guhura n’ ibibazo twavuze haruguru bitewe nuko Guverinoma y’ u Rwanda ikunze gufata ibyemezo byo gufunga ingendo, kugabanya amasaha y’ akazi no gufunga ibikorwa bimwe na bimwe, ikintu kibera imbogamizi abafashe inguzanyo ndetse n’ ibigo byabagurije.

RWANDA: Inshamake kuri raporo ya TransUnion Rwanda isesengura uko urwego rw’ imari ruhagaze mu gihembwe cya mbere cya 2021

<a href="https://cogebanque.co.rw/journey/">COGEBANQUE</a> ni banki y’ ubucuruzi yashingiwe i Kigali kuwa 17 Nyakanga 1999 igamije kuba igisubizo ku bakiliya ba serivisi z’ imari mu Rwanda. Bimaze kumenyerwa ko icyorezo cya Covid-19 gikomeje gushegesha ubukungu bw’ ibihugu byinshi ku Isi. Ibi byatumye urwego rw’ imari rurushaho kwifashihsa ikoranabuhanga mu guhangana n’ ingaruka z’ icyorezo. Banki ya COGEBANQUE ntiyasigaye inyuma mu gushaka icyafasha abakiliya bayo binyuze mu ikoranabuhanga, bityo bakabona za serivisi mu buryo bunoze kurushaho.
Ibyiza bya Serivisi zihabwa abakiliya ba COGEBANQUE hakoreshejwe ikoranabuhanga harimo: kuba zihendutse, zitwara igihe gitoya, ziboneka ahantu henshi, umutekano w’ amafaranga y’ umukiliya, ndetse zimwe muri zo zikora amasaha yose kandi iminsi yose.
<a href="https://cogebanque.co.rw/personal-banking/#">COGEBANQUE</a> itanga serivisi zinyuranye ku bakiliya bayo yifashishije uburyo bukurikira:
<ul>
 <li>Mobile banking</li>
 <li>Internet banking</li>
 <li>Amakarita ya MasterCard Debit, MasterCard Prepaid, na MasterCard Credit</li>
 <li>ATM</li>
 <li>Kohererazanya amafaranga hakoreshejwe Western Union, Money Gram, na Swift</li>
 <li>Abahagarariye COGEBANQUE (Agents).</li>
</ul>
<a href="https://cogebanque.co.rw/mobile-banking/">Mobile banking</a> ikora hifashishijwe telefone igendanwa, hagatangwa serivisi zirimo: kohereza amafaranga, kubikuza, gushyira amafaranga kuri MTN Mobile Money, kureba ibyakozwe kuri konti, kureba amafaranga asigaye kuri konti, kugura ikarita yo guhamagara, kwishyura ifatabuguzi rya televiziyo n’ umuriro. COGEBANQUE ifite kandi application yitwa Coge mBank ishyirwa muri telefone zigezweho igafasha abakiliya kubona serivisi za banki.
<a href="https://cogebanque.co.rw/ebanking/">Internet banking</a> ikora hifashishijwe umuyoboro wa interineti muri mudasobwa cyangwa telefoni igendanwa igezweho (smartphone) hagatangwa serivisi zirimo: Kohereza amafaranga kuri konti ziri muri COGEBANQUE no mu zindi banki, kohereza amafaranga ku bantu bari mu mahanga, kubikuza, gushyira amafaranga kuri MTN Mobile Money, kwishyura imisoro y’ ikigo cy’ igihugu cy’ imisoro RRA (Rwanda Revenue Authority), kwishyura amafaranga y’ ikigo cy’ igihugu cy’ imirimo ifitiye igihugu akamaro RURA (Rwanda Utilities Regulatory Authority), kureba ibyakozwe kuri konti, kureba amafaranga asigaye kuri konti, kugura ikarita yo guhamagara, kwishyura ifatabuguzi rya televiziyo, ndetse no kwishyura amazi n’ umuriro.
<a href="https://cogebanque.co.rw/card-solutions/">COGEBANQUE</a> igira kandi amakarita atandukanye arimo:
<ul>
 <li>Ikarita ya MasterCard Debit: Ni ikarita ihujwe na konti y’ umukiliya kandi igakoreshwa mu bucuruzi ku hantu hari utumashini bifashisha mu kwishyura ibicuruzwa tuzwi nka POS (Point Of Sale).</li>
 <li>Ikarita ya MasterCard Prepaid: Ikarita idahujwe na konti y’ umukiliya, ahubwo umukiliya ashyira amafaranga ku ikarita akajya yishyura ibyo yaguze ku hantu hari utumashini twa POS.</li>
 <li>Ikarita ya MasterCard Credit: Ikarita umukiliya yaka inguzanyo yo kwishyura ibicuruzwa cyangwa agasaba avansi y’ amafaranga kuri konti ye.</li>
</ul>
Ikarita ya MasterCard Debit n’ iya MasterCard Credit zishobora gukoreshwa mu cyuma cya ATM.
<a href="https://cogebanque.co.rw/atm/">COGEBANQUE</a> igira icyuma kizwi nka ATM(Automatic Teller Machine) gifasha abakiliya kubikuza amafaranga no kureba amafaranga basigaranye kuri konti.
Abakiliya ba <a href="https://cogebanque.co.rw/transfers/">COGEBANQUE</a> bashobora gukoresha uburyo bwa Western Union mu kohereza no kwakira amafaranga mu bihugu binyuranye ku migabane yose yo ku Isi, haba mu mafaranga y’ Amanyarwanda cyangwa ayo mu bihugu by’ amahanga. Abakiliya ba COGEBANQUE bashobora kandi gukoresha uburyo bwa &nbsp;Money Gram mu kohereza no kwakira amafaranga ariko mu mafaranga y’ Amanyarwanda gusa ari naho bitandukanye na Western Union.
Bashobora kandi gukoresha uburyo bwa Swift mu kohereza no kwakira amafaranga ku bantu bakoresha banki zikorana na COGEBANQUE arizo UBA Bank (United Bank for Africa Plc) ishami rya New York muri Leta Zunze ubumwe z’ Amerika, Aktif Yatirim Bankasi A. S Istanbul muri Turikiya, na Oddo Bhf Aktiengesellschaft Frankfurt mu Budage.
<a href="https://cogebanque.co.rw/agency-banking/">COGEBANQUE</a> ni banki igira abayihagarariye (Agents) hirya no hino mu gihugu bayifasha gutanga serivisi zirimo kohereza amafaranga, kubikuza, gushyira amafaranga kuri MTN Mobile Money, kureba ibyakozwe kuri konti, kureba amafaranga asigaye kuri konti, kugura ikarita yo guhamagara, kwishyura ifatabuguzi rya televiziyo no kwishyura amazi n’ umuriro.
COGEBANQUE ni banki imaze gushinga imizi mu Rwanda kuko kuri ubu hafi 97% by'abanyamigabane bayo ari Abanyarwanda. Iyi banki ifite amashami 28 mu gihugu, abayihagarariye bakorana nayo barenga 600, n’ ibyuma bya ATM 36 mu gihugu hose.

E-Banking: Tumenye zimwe muri Serivisi zihabwa abakiliya ba COGEBANQUE hifashishijwe ikoranabuhanga

Imiryango mpuzamahanga ni igisubizo k’ ubukungu mu gihe cya COVID-19 (<a href="https://www.undp.org/content/dam/rba/docs/COVID-19-CO-Response/UNDP-rba-COVID-assessment-Rwanda.pdf">Ifoto</a>: www.undp.org)
Umwaka wa 2020 wabaye umwaka udasanzwe mu kinyejana cya 21 bitewe n’ icyorezo cya COVID-19 cyahungabanije imibereho n’ ubukungu bw' abatuye Isi, harimo n’ u Rwanda. Ibi byatumye wazoplus.com isubiza amaso inyuma ikusanya amakuru yerekeranye n' uruhare rw’ imwe mu miryango mpuzamahanga mu kuzahura ubukungu bw’ u Rwanda bwasubiye inyuma bitewe n’ icyorezo cya COVID-19.
<a href="https://www.worldbank.org/en/news/press-release/2021/02/08/covid-19-pandemic-pushes-rwanda-into-recession-severely-impacts-human-capital">Banki y'Isi</a> itangaza ko umusaruro mbumbe w’imbere mu gihugu (Gross Domestic Product/ GDP) cy'u Rwanda wagabanutseho 0.2% muri 2020, ugereranije n’ inyongera ya 8% yari iteganyijwe muri uwo mwaka mbere yuko icyorezo cya COVID-19 cyaduka. Iri hungabana ry’ubukungu ryagize ingaruka mbi cyane ku ngo, kubera ko abantu ibihumbi n’ibihumbi babuze imirimo, ibyo abaturage binjiza biragabanuka ndetse n’ibiciro by’ibicuruzwa ku isoko birazamuka.<a href="https://www.worldbank.org/en/news/press-release/2021/02/08/covid-19-pandemic-pushes-rwanda-into-recession-severely-impacts-human-capital"> </a>Ibi byatumye banki y' Isi n' indi miryango mpuzamahanga bafata iyambere mu kugoboka ibihugu bimwe naa bimwe byari bigowe no kuzahura ubukungu bwabyo n' u Rwanda rurimo.
Ku ikubitiro, mu kwezi kwa kane 2020,
<ul>
 <li><a href="https://www.worldbank.org/en/news/press-release/2020/04/07/world-bank-group-supports-rwanda-covid-19-response">Banki y’isi</a> ibinyujije mu kigega cy’ iterambere mpuzamahanga (International Development Association/ IDA) yageneye u Rwanda inguzanyo ya miliyoni 14.25 z’ amadolari y’ Amerika mu rwego rwo guhangana n’ ikwirakwira rya COVID-19 mu gihugu.</li>
 <li>Tariki 14 Kamena 2021, <a href="https://www.worldbank.org/en/news/press-release/2021/06/16/world-bank-group-supports-recovery-and-resilience-of-rwanda-s-covid-19-affected-businesses">Banki y'Isi</a> yemeje inguzanyo ya miliyoni 150 z’amadolari binyuze muri IDA kugira ngo ifashe Guverinoma y’u Rwanda kuzahura ishoramari no gushyigikira ubucuruzi bwahungabanyijwe na COVID-19.</li>
</ul>
Mu rwego rwo guhangana n’ icyorezo cya COVID-19 mu buvuzi,
<ul>
 <li>I<a href="https://www.imf.org/~/media/Files/Publications/CR/2020/English/1RWAEA2020003.ashx">kigega mpuzamahanga</a> cy’ imari (International Monetary Fund/IMF) cyahaye u Rwanda inguzanyo ingana na miliyoni 220.46 z'amadolari y'Amerika.</li>
 <li>Tariki 27 Gicurasi 2021, Guverinoma y’ u Rwanda n’ikigo cy’<a href="https://www.minecofin.gov.rw/news-detail/rwanda-and-afd-sign-financing-agreement-to-support-covid-19-health-social-protection-response-plan">Ubufaransa</a> gishinzwe iterambere (Agence Française de Développement/AFD) bashyize umukono ku masezerano y’inguzanyo angana na miliyoni 60 z'amayero azifashishwa mu rwego rw’ ubuzima hagurwa inkingo no kuzikwirakwiza.</li>
 <li>Tariki 24 Kamena 2021, Inama ya <a href="https://www.minecofin.gov.rw/news-detail/asian-infrastructure-investment-bank-and-world-bank-provide-us-2575-million-financing-to-support-governments-covid-19-economic-recovery-plan">Banki y’ishoramari</a> ry’ibikorwa remezo muri Aziya (Asian Infrastructure Investment Bank/ AIIB), yemeje inkunga ingana na miliyoni 100 z’amadolari y’Amerika nazo zo gushyigikira gahunda ya Guverinoma y’ u Rwanda yo kuzahura ubukungu mu gihe cya COVID-19.</li>
</ul>
<a href="https://www.minecofin.gov.rw/news-detail/gor-and-eu-sign-frw-55-billion-grant-agreement-to-support-social-protection-in-response-to-covid-19-crisis">Ministeri</a> y’ imari n’ igenamigambi (MINECOFIN) itangaza ko Guverinoma y’u Rwanda n’Umuryango w’ubumwe bw’ibihugu by’Uburayi (European Union) bashyize umukono ku masezerano y’inguzanyo ingana na miliyoni 52.87 z’ amayero yo kuzahura ubukungu n’ imibereho myiza ku imiryango 630,000 ikeneye ubufasha kurusha indi mu gihe cy’icyorezo cya COVID-19.
Usibye iyi nkunga, Umuryango w'ubumwe bw’ibihugu by’Uburayi wateye inkunga amashyirahamwe y’imiryango itegamiye kuri Leta ingana na miliyoni 1.8 z’ amayero kuko iyi miryango ikorana cyane n’ubuyobozi bw’inzego z’ibanze ku gisubizo cy’imibereho y’abaturage bagizweho ingaruka na COVID-19 mu Rwanda.
<ul>
 <li><a href="https://www.unicef.org/rwanda/rw/press_release/unicef-yatanze-ibikoresho-bifite-agaciro-kangana-na-miliyoni-imwe-yamadolari">UNICEF</a> yatanze inkunga y’ ibikoresho bya miliyoni 1 y’ amadolari y’ amerika mu rwego rwo gutera inkunga Guverinoma y'u Rwanda mu kuzamura ireme ry'ubuvuzi ku bana bakivuka, no guhangana na COVID-19.</li>
 <li>Ikigo mpuzamahanga gishinzwe <a href="https://pressroom.ifc.org/all/pages/PressDetail.aspx?ID=26096">imari</a> (International Finance Corporation/IFC), umwe mu banyamuryango b’itsinda rya Banki y'Isi cyahaye I&amp;M Bank Plc ishami ry’u Rwanda inguzanyo ingana na miliyoni 10 z'amadolari y’ Amerika mu rwego rwo kongera inguzanyo yo kuzahura ubukungu bwashegeshwe na COVID-19 mu bigo by’ ubucuruzi bito n’ ibiciriritse.</li>
</ul>
<a href="https://www.worldbank.org/en/news/press-release/2021/02/08/covid-19-pandemic-pushes-rwanda-into-recession-severely-impacts-human-capital">Raporo</a> ya banki y’ isi ivuga ko Guverinoma y'u Rwanda yashatse igisubizo cyihuse kuri COVID-19, aho hashyizweho gahunda yo kuzahura ubukungu igera kuri miliyoni 900 z'amadolari y'Amerika mu myaka ibiri y'ingengo y'imari ya 2019/20 na 2020/2021. Mu kuzahura ubukungu, ibice by’ ingenzi byibandwaho ni urwego rw’ ubuzima, imibereho myiza, uburezi, ishoramari, n’ ikoranamuhanga.

Rwanda: Uruhare rw’ imwe mu miryango mpuzamahanga mu gufasha u Rwanda kuzahura ubukungu  bwashegeshwe na COVID-19

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