Minisitiri Joseph Nsengimana: Ubumenyi mu Ikoranabuhanga ni bwo buzagena ahazaza h’urwego rw’imari muri Afurika
Mu gihe Afurika ikomeje kwinjira mu gihe cy’ubukungu bushingiye ku ikoranabuhanga, abayobozi batandukanye bakomeje kugaragaza ko urubyiruko rufite uruhare rukomeye mu kubaka ejo hazaza h’uyu mugabane. Ni muri urwo rwego Minisitiri w’Uburezi Joseph Nsengimana yavuze ko guha urubyiruko ubumenyi mu by’ikoranabuhanga ndetse n’ubushobozi bwo kwihangira imirimo ari imwe mu nkingi zikomeye zizubaka ejo hazaza h’urwego rw’imari rukoresha ikoranabuhanga muri Afurika.
Yabitangaje kuri uyu wa Kabiri mu kiganiro cyabereye mu Kigali mu nama mpuzamahanga yiga ku ikoranabuhanga ridaheza mu rwego rw’imari, aho abayobozi, abashoramari, abahanga mu by’ikoranabuhanga ndetse n’abanyeshuri baganiriye ku buryo Afurika yakwifashisha ikoranabuhanga mu guteza imbere ubukungu.
Icyo kiganiro cyari gifite insanganyamatsiko igira iti: Kubaka ubushobozi bw’abakozi mu bukungu bushingiye ku ikoranabuhanga muri Afurika, aho hibanzwe ku ruhare rw’uburezi mu gutegura urubyiruko ruzayobora urwego rw’imari rukoresha ikoranabuhanga mu myaka iri imbere.
Ahazaza ha Afurika hari mu mashuri
Mu ijambo rye, Minisitiri Joseph Nsengimana yashimangiye ko amashuri ari yo azagena uburyo Afurika izitwara mu rugendo rwayo rwo kwinjira mu bukungu bushingiye ku ikoranabuhanga.
Yagize ati:
“Ukuri ni uko ahazaza ha Afurika mu by’imari hari mu mashuri yacu uyu munsi. Amashuri yacu, za kaminuza ndetse n’amashuri y’imyuga agomba kurenga integanyanyigisho zisanzwe, akubaka ubushobozi muri siyansi, ubwenge buhangano, umutekano w’ikoranabuhanga, ikoranabuhanga mu by’imari no kugenzura ibikorwa by’ikoranabuhanga.”
Aya magambo agaragaza ko Afurika igomba gutangira gutegura ejo hazaza h’ubukungu bwayo binyuze mu gutanga uburezi bugezweho bushobora guhangana n’isi igenda ihinduka vuba.
Abasesenguzi mu by’uburezi bavuga ko muri iki gihe amasomo ajyanye n’ikoranabuhanga ari yo afite uruhare runini mu kubaka ubukungu bw’ibihugu byinshi ku isi.
Ikoranabuhanga mu by’imari rikomeje kwiyongera
Mu myaka ishize, urwego rw’imari rukoresha ikoranabuhanga, ruzwi nka FinTech, rwagiye rwiyongera cyane ku isi ndetse no muri Afurika.
Iri koranabuhanga rifasha abantu kubona serivisi z’imari byoroshye binyuze kuri telefoni zigendanwa, internet ndetse n’izindi serivisi z’ikoranabuhanga.
Urugero ni nka serivisi zo kohereza amafaranga kuri telefoni, kubitsa no kubikuza amafaranga hifashishijwe ikoranabuhanga, ndetse no kubona inguzanyo hakoreshejwe uburyo bwa digitale.
Ibi byatumye abantu benshi batari basanzwe bafite konti muri banki bashobora kubona serivisi z’imari mu buryo bworoshye.
Abahanga bavuga ko Afurika ari umwe mu migabane ifite amahirwe menshi yo guteza imbere uru rwego kubera umubare munini w’urubyiruko n’ubwiyongere bw’ikoreshwa rya telefoni zigendanwa.
Uruhare rw’urubyiruko mu iterambere rya FinTech
Urubyiruko rwa Afurika rufite uruhare rukomeye mu iterambere ry’ikoranabuhanga mu by’imari.
Abashoramari benshi batangiye gushora imari mu mishinga y’urubyiruko ikoresha ikoranabuhanga mu gutanga serivisi z’imari.
Hari ibigo byinshi by’ikoranabuhanga byashinzwe n’urubyiruko bikomeje guhanga udushya mu bijyanye no gutanga serivisi z’imari ku buryo bwihuse kandi buhendutse.
Minisitiri Nsengimana yavuze ko kugira ngo urubyiruko rushobore kugera kuri ayo mahirwe, ari ngombwa ko ruhabwa ubumenyi bukenewe mu by’ikoranabuhanga.
Yavuze ko amashuri agomba guhindura uburyo bwo kwigisha kugira ngo ajyane n’igihe.
U Rwanda nk’icyitegererezo mu guteza imbere ikoranabuhanga
Mu myaka ishize, u Rwanda rwashyize imbaraga nyinshi mu guteza imbere ubukungu bushingiye ku ikoranabuhanga.
Guverinoma yashyizeho politiki zitandukanye zigamije guteza imbere ikoranabuhanga mu nzego zitandukanye zirimo uburezi, ubuzima ndetse n’imari.
Hari gahunda nyinshi zigamije gufasha urubyiruko kubona ubumenyi mu by’ikoranabuhanga ndetse no kubafasha gutangiza imishinga yabo.
Ibigo byinshi by’ikoranabuhanga byatangiye gukorera mu Rwanda, bigafasha urubyiruko kubona akazi ndetse no guteza imbere ubukungu bw’igihugu.
Amashuri agomba guhindura integanyanyigisho
Minisitiri Nsengimana yavuze ko igihe kigeze ngo amashuri ahindure integanyanyigisho kugira ngo ajyane n’isi y’ikoranabuhanga.
Yagaragaje ko amasomo ajyanye na siyansi, ubwenge buhangano (Artificial Intelligence), umutekano w’ikoranabuhanga ndetse n’ikoranabuhanga mu by’imari agomba guhabwa umwanya munini mu mashuri.
Ibi bizafasha abanyeshuri kubona ubumenyi bubafasha guhangana ku isoko mpuzamahanga ry’umurimo.
Abahanga mu by’uburezi bavuga ko uburezi bushingiye ku ikoranabuhanga bushobora gufasha Afurika kugabanya ikibazo cy’ubushomeri mu rubyiruko.
Inama mpuzamahanga ku ikoranabuhanga ridaheza
Inama yabereye i Kigali yiga ku ikoranabuhanga ridaheza mu rwego rw’imari yahuje abayobozi, abashoramari, abahanga mu by’ikoranabuhanga ndetse n’abanyapolitiki baturutse mu bihugu bitandukanye.
Iyi nama yagarutse ku buryo ikoranabuhanga rishobora gufasha abantu bose kubona serivisi z’imari hatitawe ku mibereho yabo.
Hari abantu benshi ku mugabane wa Afurika badafite konti muri banki, ariko bakoresha telefoni zigendanwa.
Ibi bituma ikoranabuhanga rishobora kuba igisubizo gikomeye mu gutuma abantu benshi babasha kubona serivisi z’imari.
Afurika ifite amahirwe menshi
Abahanga mu by’ubukungu bavuga ko Afurika ifite amahirwe menshi mu rwego rw’ikoranabuhanga mu by’imari.
Impamvu nyamukuru ni uko umubare munini w’abaturage ari urubyiruko kandi benshi muri bo bakoresha ikoranabuhanga.
Ibi bituma imishinga mishya y’ikoranabuhanga ishobora kwihuta cyane kuri uyu mugabane.
Minisitiri Nsengimana yavuze ko iyo amahirwe nk’aya yakoreshejwe neza, Afurika ishobora kuba umwe mu migabane iyoboye isi mu by’ikoranabuhanga mu by’imari.
Umusozo
Ijambo rya Minisitiri w’Uburezi Joseph Nsengimana ryagaragaje ko ejo hazaza h’ubukungu bwa Afurika hazashingira cyane ku ikoranabuhanga n’ubumenyi buhabwa urubyiruko.
Yashimangiye ko amashuri, za kaminuza ndetse n’amashuri y’imyuga bigomba guhindura uburyo bwo kwigisha kugira ngo bitegure urubyiruko ruzayobora isi y’ejo.
Mu gihe ikoranabuhanga mu by’imari rikomeje gukura ku isi, Afurika ifite amahirwe menshi yo kuba umwe mu migabane izagira uruhare runini muri uru rwego.
Ariko kugira ngo ibi bishoboke, ni ngombwa gushora imari mu burezi, kongera ubumenyi mu by’ikoranabuhanga ndetse no gushyigikira urubyiruko rufite ibitekerezo bishya.
