Nta giceri cya 500Frw kiriho, nta n’inoti ya 10,000Frw izajyaho-BNR

Banki Nkuru y’u Rwanda(BNR) ivuga ko n’ubwo harimo kugaragara izamuka rikabije ry’ibiciro no guta agaciro kw’ifaranga, idashobora gucapisha igiceri cy’amafaranga 500 cyangwa inoti ya 10,000Frw yo kurinda abantu kwikorera ibifurumba byinshi by’amafaranga.

Impuguke zo muri BNR zabitangaje mu biganiro zagiranye n’Itangazamakuru kuri uyu wa Kabiri tariki 23 Kamena 2026, mu gikorwa cyiriweho cyo gusobanura imikorere y’iyi Banki iyobora izindi mu Gihugu.

Ubusanzwe inoti nto (y’amafaranga 500Frw cyangwa iya 1000Frw) ni zo ziba zifitwe n’abantu benshi cyane mu gihugu bitewe n’uko ab’amikoro make na bo bashobora kuyitunga, ikaba ndetse ihererekanywa kenshi kuko n’ubusanzwe igura ibintu byinshi.

Uku guhererekanywa kenshi bituma na yo icika cyangwa isaza vuba, bigateza Leta guhendwa ijya gucapisha izindi noti nyinshi zo gusimbura izishaje, aho buri mwaka hakoreshwa miliyari zibarirwa hagati ya 8 na 11 z’Amafaranga y’u Rwanda, nk’uko Guverineri wa BNR, Soraya Hakuziyaremye, abisobanura.

BNR ivuga ko iyo inoti nk’iyi ikabije mu guhererekanywa cyane, ihita isimbuzwa ibiceri kuko byo bitajya byangirika vuba kandi bikaba bibikwa ahantu hato ugereranyije n’inoti.

Uretse icyo kibazo hari n’ikijyanye n’uko inoti nini kurusha izindi ya 5,000Frw isigaye yarataye agaciro ugereranyije no mu myaka ishize, ku buryo umuntu ubikuje nka miliyoni eshanu bishobora kumugora cyane kwikorera ibifurumba byuzuye amafaranga, ndetse nta n’umutekano aba afite.

BNR igira inama abantu guhererekanya amafaranga bakoresheje Mobile Money, applications za banki babitsamo cyangwa sheki, mu rwego rwo kwirinda gutwara amafaranga menshi mu mifuka no mu ntoki.

Ibi ariko hari abavuga ko bitarimo koroha, kuko kugeza ubu hari abadafite telefone cyangwa konti za Mobile Money bishyurirwaho, ndetse n’ikiguzi cyo kohererezanya amafaranga hakoreshejwe ikoranabuhanga kikaba gihanitse.

Urugero rutangwa n’Umwubatsi witwa Gatete, ni uko umukoresha we iyo afite inzu irimo kubakwa n’abafundi hamwe n’abayede bagera kuri 50, niba ahisemo kubahemba akoresheje Mobile Money, bizamusaba kurenzaho amafaranga atari munsi ya 20,000Frw yo kohereza kuri telefone ya buri mukozi.

Gatete agira ati “Amafaranga ubahaye kuri Mobile Money akenshi barayanga, kuko uwo mukozi na we iyo agiye kugura ifu y’ubugari, ni urugero, bamusaba kubanza kuyabikuza bitewe n’uko hari ikiguzi cyo kuyohereza akoresheje Mobile Money, kandi nta mafaranga arengaho umuntu aba afite.”

Muri make umukoresha ugiye guhemba abakozi, niba buri mukozi ahembwa amafaranga 5000Frw ku munsi, bizamusaba kurenzaho 100Frw yo kohereza hamwe na 300Frw yo gufasha uwo mukozi kubikuza, bitume uwo mukoresha yishyura buri muntu amafaranga 5400Frw aho kuba 5000Frw, akaba ari byo bimutera kujya kubikuza ibifurumba byinshi by’amafaranga.

Aha ni ho bamwe mu baturage bahera basaba BNR gucapisha igiceri cya 500Frw n’inoti ya 10,000Frw, niba ivuga ko gukora inoti za buri kanya biyihenda, kugira ngo umuntu uvuye kubikuza amafaranga menshi muri banki abashe gutwara ibufurumba bike by’amafaranga.

Ku ruhande rwa Banki Nkuru y’u Rwanda, impuguke mu bijyanye na politiki y’ifaranga ivuga ko Igihugu kirimo kugana ku ikoreshwa ry’ikoranabuhanga mu ihererekanywa ry’amafaranga, ku buryo ngo inoti n’ibiceri bizagera ubwo bireka gukoreshwa burundu.

Yagize ati “Aho tugeze ntibikiri ngombwa kugendana umufuka w’amafaranga, kuki ugendana umufuka w’amafaranga byaroroshye, amafaranga ahererekanywa kuri telefone, ahubwo aho turi kwerekeza ni uko amafaranga y’impapuro azavaho, ntabwo ari uyu munsi ariko mubimenye.”

Ati “Sinzi mwebwe aho mwirirwa, ariko hashobora gushira nk’icyumweru cyangwa ukwezi umuntu adakoze kuri cash(inoti), no mu isoko aho ujya kugura inyanya kuri detaye dusigaye dukoresha MoMo, birashoboka ko ubu ugenda udatwaye amafaranga mu mufuka, bitandukanye na kera, wenda ushobora gukenera nka 3,000Frw ariko si kenshi.”

BNR ivuga ko mu myaka 2 iri imbere(niba nta gihindutse) mu Rwanda abantu bazaba batangiye gukoresha ifaranga koranabuhanga (ryiswe CBDC) rizaza rigabanya ikiguzi cyo guhererekanya amafaranga hakoreshejwe ikoranabuhanga, kugera kuri 1/3 cy’ikiguzi Mobile Money na Banki birimo guca abakiriya babyo.

Hagati aho kandi Banki Nkuru y’Igihugu ngo izakomeza gushyiraho ingamba zituma ifaranga ridata agaciro karenze 8% buri mwaka, kugira ngo abaturage batabura ubushobozi bwo kugura ibyo bakeneye.

Urugero rwatangwa ku isukari, niba ikiro kimwe cyaragurwaga amafaranga 2000Frw muri 2025, 8% yayo akaba ari 80Frw, umwaka wa 2026 uzajya gushira isukari itararenza amafaranga 2100Frw/kg nk’uko BNR ibisobanura.