Ni ubushakashatsi bwakozwe na Access to Finance Rwanda (AFR) ifatanyije na Minisiteri y’Imari n’Igenamigambi (MINECOFIN), Banki Nkuru y’Igihugu (BNR) n’Ikigo cy’Igihugu Gishinzwe Ubushakashatsi (NISR).

Iyi mibare yatangajwe kuri uyu wa 20 Kamena 2024, igaragaza ko abakoresha serivisi z’imari z’ibigo byanditse nka banki n’ibigo by’imari byanditse bagera kuri 92%, bangana na miliyoni 7.6 mu gihe abakoresha uburyo butanditse ari 4%.

Ubu bushakashatsi bugaragaza ko abantu 22% bahabwa serivisi binyuze muri banki zitandukanye, 70% bakazigeraho binyuze mu bindi bigo by’imari byanditse kandi bizwi mu gihe 4% ari bo bagera kuri serivisi z’imari binyuze mu bigo bitanditse.

Abatagerwaho na serivisi z’imari bavuye kuri 7% mu 2020 bagera kuri 4% mu 2024.

Abakoresha serivisi z’imari binyuze kuri telefone, ibizwi nka Mobile Money, bavuye kuri 62% mu 2020 bagera kuri 86%, abakoresha serivisi za SACCO ni 51%, serivisi z’ubwishingizi bakaba 13%.

Umuyobozi Mukuru wa Access to Finance Rwanda, Jean Bosco Iyacu yagaragaje ko kugera kuri serivisi z’imari bigomba kugera no ku kuzikoresha bigamije iterambere.

Ati “Mu 2024 turava mu kugerwaho na serivisi z’imari, tujya ku bukungu n’imari budaheza. Ubukungu budaheza ni igihe bufasha abaturage nk’ingo, abagore ba rwiyemezamirimo, urubyiruko cyangwa abahinzi bato cyangwa ibigo bito n’ibiciriritse kugera kuri serivisi n’ibicuruzwa bisubiza ibibazo bafite ndetse bibafasha kugera ku ntego zabo.”

Imibare igaragaza ko kuva mu mwaka wa 2008 ubu bushakashatsi butangira gukorwa abagerwaho na serivisi z’imari bikubye kabiri kuko bari 48%.

Guverineri Wungirije wa Banki Nkuru y’u Rwanda, Soraya Hakuziyaremye, yatangaje ko mu 2008 ari bwo urugendo rw’Umurenge SACCO rwatangiye gutanga umusaruro mu gihugu.

Yagaragaje ko kuva mu 2020 hakozwe byinshi birimo politike zashyizweho zisaba amabanki gushyiraho serivisi zigabanya icyuho cyari hagati y’abagabo n’abagore bagerwaho na serivisi z’imari kandi byatangiye kugerwaho.

Ati “Ubu abantu bafite konti muri banki bagera kuri 92% ariko se bari kwizigamira kurushaho, barabona inguzanyo uko bikwiye? Bavuze ibyo kurenga kugerwaho na serivisi z’imari ahubwo zigakoreshwa. Ubu mu myaka ine iri imbere turakora ku buryo nta muntu n’umwe uzaba atagerwaho na serivisi z’imari ariko tukanareba ko imibare y’abizigama, ishoramari n’inguzanyo yiyongera, ndetse tukanagira ubwishingizi bw’imitungo yacu.”

Imibare igaragaza ko icyuho hagati y’abagore n’abagabo bagerwaho na serivisi z’imari cyavuye ku 8% muri 2020 kigera kuri 4%.

Ubu bushakashatsi bwakozwe hagendewe ku mibare y’ibarura rusange rya 2022 bwageze ku baturage miliyoni 8.2, barimo abari mu ngo z’impunzi zigera kuri 900.

Bunagaragaza ko abantu bafite konti za banki usanga barimo abakoresha n’ubundi buryo butari banki, kugeza no kuri serivisi zitanditse.