Barinubira kuba bisanga bafitiye banki umwenda batarawusabye

Abaturage baravuga ko bakunze guhura n'ingorane zo gutangwaho amakuru y'uko babereyemo amadeni ibigo by'imari nyamara atari byo, bigatuma ikigo gishinzwe gukusanya amakuru ku nguzanyo kizwi nka CRB kibashyira mu mubare w'abambuye banki bityo ntibabone serivisi bakeneye.

Hashize imyaka hafi 10 hashyizweho uburyo bwo gukusanya amakuru ku nguzanyo ibizwi nka CRB, ubu buryo bukaba bukoreshwa cyane mu bigo by'imari. Abantu bagera kuri miliyoni 1 n'ibihumbi 600 ni bo bafitiwe amakuru ku nguzanyo n'iki kigo.

Gusa hari abaturage bavuga ko banki zijya zibibeshyaho ko zabahaye inguzanyo kandi atari byo, abandi bagatinda guhabwa icyemezo cy'uko nta deni bafitiye ikigo icyo ari cyo cyose, bityo ntibashobore guhabwa service bakeneye.

Twagirimana Augustin, umuturage mu Mujyi wa Kigali yagize ati "Baribeshye bagaragaza ko mfite umwenda wa miliyoni 12 kandi ahubwo batarawumpaye, ariko hano baragikemuye; muri sisiteme byagaragaraga ko mfite umwenda kandi ntarawusabye. Ni serivisi itamenyekana, ukaba wibereye mu ntara bakakubwira ngo ufite ikibazo; reba nk'utuye Rusizi, Kirehe, Nyagatare."

Na ho Munyankindi David na we utuye i Kigali ati "Icyangombwa kiratinda igihe wafashe ideni muri banki, uza kukireba bakakubwira ko wishyura iryo deni, wanaryishyura ntibagukure muri sisiteme. Bakakubwira ngo tugukuyemo, wagaruka ugasanga ntibiremera; iyo ukeneye serivsi ahantu waza ukakibura baguhaye umunsi umwe, ni ingaruka."

Ku rundi ruhande ariko, abanyamabanki basanga kuba haragiyeho ikigo gishinzwe gukusanya amakuru arebana n'abayabereyemo amadeni, byaratumye abajyaga babambura amabanki batakibikora kuko batahurwa mbere; nk'uko bisobanurwa n'ushinzwe ibikorwa bya Banki ya Kigali Andre Rumanyika.

Ati "Nta yindi banki iba yemerewe kuguha umwenda; hari n'abakiriya tuba twarabuze ariko kuko CRB ihari ikababaza bakaza bakatubwira bati dufite umwenda ariko turifuza kuganira tukishyura; biradufasha kwiga imyenda ariko no kwishyuza biratworohera kuko uwo ushaka ideni ntiyaribona atagarutse."

Kuri ubu ikigo gikusanya amakuru arebana n'inguzanyo gicungwa na sosiyete Trans-Union ifite ibiro bikuru i Chicago muri Leta Zunze ubumwe za Amerika. 

Usibye amakuru ku nguzanyo kibitse, cyanahawe kubika amakuru y'ibigo by'itumanaho, ay'Ikigo cy'Imisororo n'Amahoro, ay'ikigo gikwirakwiza amazi, aya Ministeri y'Ubutabera n'ibindi bigo. Ibi bivuze ko umuntu wese wambuye ibi bigo, bigoye kubona serivisi muri banki.

Jacqueline Mugwaneza:umuyobozi wa Trans Union/Rwanda ati "Ayo makuru uko technology (ikoranabuhanga) igenda itera imbere twatangiye uburyo bwo kuyabona uwo mwanya: niba ugiye muri Bank cg ugafata tel ugasaba inguzanyo, ako kanya ukiyifata amakuru aba atugezeho. Ni byo abantu bavuga ko dutinda ariko hari umutekano w'amakuru tugomba gucunga.Ntitwemerewe guhindura amakuru kereka nyirayo, icyo dukora dusaba uwaguhaye inguzanyo agahindura amakuru iyo tubasabye akayatindana bivugwa  ko ari twe twakererewe."

Kugira amakuru y'abafitiye amadeni ibigo by'imari n'ibindi bigo ibyo ari byo byose bishobora gutanga amafranga ku buryo bw'ideni, ni kimwe mu birwanya abakunze kwambura bene ibi bigo. Cyakora abaturage basanga bene izi service zikwiye kubegerezwa mu turere; n'ubwo mbere yo gusaba inguzanyo, umuturage ubwe yakwirorera igenzura ni ukuvuga ahamagaye telefonļe y'iki kigo cg akocyoreherereza ubutumwa bugufi.

Jean Claude MUTUYEYEZU