I&M Bank yashyize ahagaragara gahunda nshya yo guteza imbere SMEs
I&M Bank Rwanda yatangaje ku wa Gatatu umushinga wa Ganza na I&M SME banking, ugamije guteza imbere ubucuruzi buto, ubw'ibigo bito n'ibiciriritse (MSMEs). Uyu mushinga watangijwe ku rwego rw'igihugu nyuma y'igerageza ryabanje mu ntangiriro za Mutarama 2020.
Binyuze mu bicuruzwa bitandukanye, kuva ku mari y'ibikorwa by'ubucuruzi, inguzanyo zo kugura umutungo kugeza ku bikorwa by'imari bya buri munsi, banki yahinduye uburyo itanga serivisi kugira ngo ishyigikire ibigo bishya n'ibimaze igihe.
"Intego ni ukuvugurura ibicuruzwa byose bya banki no guhindura uburyo dukorana n'ubucuruzi bwose bw'ibigo bito n'ibiciriritse mu gihe kizaza," ni ko Robin Bairstow, Umuyobozi Mukuru wa I&M Bank Rwanda yavuze. "Bizatuma serivisi zacu zo ku bigo bito n'ibiciriritse zirushaho kuba nziza muri iri soko, binyuze mu gushaka abafatanyabikorwa benshi no gutanga ibicuruzwa byihariye bihuje n'iki cyiciro."
Umushinga wa Ganza ugizwe n'ibice bine by'ingenzi: agaciro k'umukiriya, ibicuruzwa, imiterere y'ubucuruzi n'ingamba zo kugurisha, ndetse no gucunga ingaruka z'inguzanyo. Muri iki cyiciro, wibanda ku rwego rw'ubukerarugendo n'ubucumbitsi, harimo ibigo bitegura ingendo, resitora, amahoteli n'abatanga serivisi bayakorera, n'abandi.
Hari kandi ibikorwa bindi bitari ibyo mu rwego rw'imari, birimo serivisi z'inama, kongerera ubushobozi mu gucunga abakiriya, guteza imbere ibicuruzwa no gucunga inguzanyo.
Uburyo abakiriya bakoresha serivisi bwarushijeho koroha mu rwego rwo koroshya gukora ubucuruzi. Igihe cyo gutunganya ibyifuzo cyagabanyijweho, kandi inzira z'ibanze nko gufungura konti no gusaba inguzanyo zarushijeho koroha.
"Twashyizeho ibidukikije byorohereza itangwa ry'inguzanyo kandi tuvugurura imiterere y'ubucuruzi bwacu kugira ngo duhuze n'iri soko," ni ko Umuyobozi Mukuru yabivuze.
Ibigo bito n'ibiciriritse ni ingenzi mu bukungu no mu iterambere ry'imibereho y'ibihugu byinshi bikiri mu nzira y'iterambere. Dukurikije Ikigo Mpuzamahanga gishinzwe Imari (IFC), bihanga imirimo irenga 70 ku ijana y'imirimo yose yashyizweho, kandi bigize 98 ku ijana by'urusobe rw'ubucuruzi mu Rwanda.
Nubwo bifite akamaro gakomeye kandi ari "urufatiro" rw'ubukungu bwa Afurika, benshi muri byo basenyuka mbere y'isabukuru y'imyaka itanu, bitewe ahanini no kubura ubumenyi mu gucunga ubucuruzi. Abandi benshi bapfa batarakura kubera kubura igishoro cy'intangiriro.
Ubuyobozi bwa I&M Bank bwizera ko gahunda nshya izafasha impande zombi ku bigo byari byarahejejwe inyuma kugeza ubu.
Faustin Byishimo, Umuyobozi Mukuru wungirije wa I&M, yatangaje ko banki ihinduka ku bigo bito, aho yakoranaga cyane n'ibigo bikuru bike. Avuga ko ibigo bito n'ibiciriritse ari byo bigize igice kinini cy'isoko kandi ari byo bikeneye serivisi z'imari cyane.
"Ibyo twakoranaga cyane ni ibigo biciriritse n'ibirenze. Ubu twongeyeho ibigo bito cyane n'ibito, ibyo tugamije kwagura cyane," ni ko Byishimo yavuze.
Gahunda ya Ganza na I&M yatangiye mu mpera za 2018, hakorwa ubushakashatsi bubiri ku isoko n'itsinda ry'abakozi b'ibigo bito n'ibiciriritse hamwe n'impuguke mu isoko zivuye muri Mastercard Foundation na IFC, bagamije kumenya ibikenerwa by'imari by'ibigo bito n'ibiciriritse, harimo ibiri mu nzego zikiri gutera imbere, no gutegura ibicuruzwa byihariye bihuje n'ibyo bakeneye.
Mu mezi abiri ashize, banki yakomeje gukusanya ibitekerezo by'abakiriya no kunoza ibicuruzwa.
Binyuze muri iyi gahunda, I&M iteganya kongera ibikorwa by'inguzanyo bisanzwe ku kigero kirenga 30 ku ijana, no kongera abakiliya ku kigero cya 50 ku ijana mu mwaka wa mbere, bikazikuba kabiri mu myaka itatu iri imbere.
I&M Bank (Rwanda) Plc (yahoze yitwa BCR) yashinzwe mu 1963, ni ikigo gikomeye gitanga serivisi z'imari gifite ibikorwa mu karere ka Afurika. Mu Rwanda, ibicuruzwa by'iki kigo birimo serivisi z'ibanki ku baturage, serivisi z'ibanki ku bucuruzi, ndetse n'serivisi z'ibanki ku bigo binini n'imiryango. Iyi banki imaze igihe kinini igaragara mu guteza imbere serivisi z'imari zishya no gushyigikira gahunda y'u Rwanda yo kugeza serivisi z'imari ku bantu bose.
