Cogebanque imaze imyaka 20, ikomeje urugendo rwo guhindura imibereho y’Abanyarwanda

Yanditswe na Eric Tony Ukurikiyimfura
Kuya 10 Nyakanga 2019 saa 11:03
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Banki Nyarwanda y’Ubucuruzi ‘Cogebanque’ imaze imyaka 20 iri mu ishoramari ry’amabanki mu Rwanda rigamije gufasha Abanyarwanda kugerwaho na serivisi z’imari mu buryo bworoshye.

Cogebanque Plc yemewe nka Banki y’Ubucuruzi na Banki Nkuru y’u Rwanda (BNR) mu 1999, itangira gukora ku wa 17 Nyakanga muri uwo mwaka.

Mu gihe imaze hari byinshi yagezeho bituma iza ku isonga mu mabanki y’ibigwi mu gihugu.

Umuyobozi ushinzwe Iyamamazabikorwa muri Cogebanque, Iyamuremye Antoine, yabwiye IGIHE ko iyi banki yashyiriweho guhindura imibereho y’Abanyarwanda.

Yagize ati “Cogebanque iba ishaka kwegera Abanyarwanda bose kuko ni Banki y’Abanyarwanda, yatangijwe n’Abanyarwanda, biba byiza ko tubegera kugira ngo tubasobanurire ibyiza byayo kuko igamije kubafasha gutera imbere.”

Muri serivisi zigezweho Cogebanque ihishiye abakiliya bayo n’Abanyarwanda muri rusange ku isonga harimo kubegereza ibafasha kugira icumbi.

Yakomeje agira ati “Hari abantu bumvise ibyiza by’inguzanyo turi gutanga, ntabwo ari imwe ni nyinshi. Kuri ubu Abanyarwanda bose bakeneye icumbi, ntabwo icumbi ari iry’Abanya-Kigali gusa, n’Abanya-Musanze birabareba, nibigera ku gihugu cyose.’’

Cogebanque yashyizeho iyi serivisi kimwe n’izindi ibateganyiriza mu kwitura Abanyarwanda ubufatanye bayigaragarije muri urwo rugendo rugamije guteza imbere ubukungu bw’igihugu n’abagituye.

Yagize ati “Ni ukugira ngo tubashimire muri uru rugendo tumazemo imyaka 20, ariko tubabwira ko tugomba gufatanya mu rugendo rw’imyaka iri imbere, dukomeze kwibohora mu bijyanye n’ubukungu.’’

Cogebanque Plc itanga serivisi za banki mu Rwanda zahinduye ubuzima bw’abayigana binyuze mu kubafasha kubona no gukoresha serivisi zitandukanye z’imari.

Abakiliya bayigana bafashijwe gufunguza konti, kubitsa, kohereza no kubikuza amafaranga yabo kandi mu mutekano usesuye.

Cogebanque nka banki Nyarwanda itanga serivisi mpuzamahanga, yagabye amashami 27 mu gihugu hose aho ifite ibyuma bya ATM 33, ifite aba-agents barenga 600 bayifasha mu gutanga serivisi zo kubitsa no kubikuza zirimo n’izifashisha ikoranabuhanga binyuze muri Internet Banking, Mobile Banking n’amakarita ya MasterCard.

Aya makarita usibye kuba atanga umutekano w’amafaranga, anaha abayakoresha ububasha bwo kubikuza ku byuma bya ATM miliyoni 36 biri hirya no hino ku Isi.

Iyamuremye yavuze ko “Cogebanque ni banki ya buri Munyarwanda mu cyiciro cyose arimo. Abanyarwanda bitege byinshi byiza tubahishiye .”

Ku bafata inguzanyo muri serivisi y’icumbi ry’indoto zabo, iyo bamaze imyaka ibiri bishyura neza, Cogebanque ibafasha kubona indi bakaba bakemura n’ibindi bibazo bafite.

Ibyo wamenya ku nguzanyo ya Cogebanque yaguhesha icumbi

Cogebanque Mortgage ni inguzanyo ifasha umukiliya wa banki kugura cyangwa kuvugurura inzu yo kubamo.

Ihabwa umukozi wasinye amasezerano y’akazi y’igihe kirekire; kuba amaze nibura amezi atatu ahembwa umushahara uhoraho; kuba ashobora gukoresha agera kuri 50% y’umushahara we buri kwezi yishyura ibyiciro by’inguzanyo; kuba afite icyemezo kigaragaza ko nta mwenda atarishyura; kwemera gutanga inzu aguze/avuguruye nk’ingwate kugeza igihe inguzanyo yishyuriwe yose; mu gihe abasaba inguzanyo ari abashakanye, imishahara yabo bombi igomba kunyura kuri konti bahuriyeho iri muri Cogebanque; inzu igurwa/ivugururwa igomba kuba yubahirije amabwiriza y’imiturire bijyanye n’igishushanyo mbonera.

Ni inguzanyo ishobora kwishyurwa hagati y’imyaka 5-15 ariko ikaba yanakongerwa kugera ku myaka 20. Itangirwa ku nyungu ya 16% ku mwaka.

Mu bigenderwaho mu gutanga inguzanyo ni uko inzu iba ifite ubwishingizi ngo inyungu za banki n’izuhabwa inguzanyo zibe zitekanye. Ibi bijyana n’ubwishyu fatizo ku waka inguzanyo buba buri hagati ya 10% na 20%.

Iyo nta bwishyu fatizo afite kandi iyo nzu ariyo ye ya mbere, butangwa n’ikigo cy’ubwishingizi gikorana na banki, uwaka inguzanyo akishyura amafaranga y’ubwishingizi gusa. Iyo usaba inguzanyo atari inzu ye ya mbere yo guturamo, asabwa gutanga ubwishyu fatizo bwa 20%.

Ibyiciro by’inguzanyo byishyurwa ku kwezi ntibishobora kurenga 50% ku mushahara w’uwayisabye ariko ku bashakanye harebwa umushahara mbumbe wa bombi.

Mu gihe uwatse inguzanyo yifuje kuyishyura yose mbere y’igihe yavuganye na banki, nta yandi mafaranga asabwa gutanga ahubwo abimenyesha nibura mbere y’amezi atatu ngo yishyure.

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