Mu rwego rwo guhangana n’ibikorwa by’ubutekamutwe n’ubujura bukorwa mu kwishyurana hakoreshejwe ikoranabuhanga by’umwihariko ubukorerwa kuri telefoni bugamije gucucura abantu amafaranga, hatangijwe ubukangurambaga bwiswe ’Bime Amatwi’ bwitezweho gutanga umusaruro.
Ni ubukangurambaga bwatangijwe na Banki Nkuru y’u Rwanda ku bufatanye n’Ikigo cy’igihugu gishinzwe Kugenzura Imirimo imwe n’imwe ifitiye igihugu akamaro, RURA, Urwego rw’Igihugu rw’Ubugenzacyaha, RIB, Polisi y’Igihugu, MTN Rwanda na Airtel Money.
Uko iterambere rigenda rizamuka ni nako n’abantu b’abanyabyaha bagenda biga amayeri yo gushaka gucucura amafaranga y’abaturage bakoresheje.
RIB igaragaza ko mu myaka itatu ishize hakiriwe ibirego 272, birimo abakekwa 378, mu gihe amafaranga bibye ari miliyoni 81 Frw hagaruzwa miliyoni 63 Frw bigize ikigero cya 77%.
Amwe mu mayeri bakoresha
Abatekamutwe bakoresha amayeri menshi arimo kwiyitirira undi ku mbuga za WhatsApp, bifashisha ifoto n’izina bya WhatsApp by’umuntu uzwi, bagasaba amafaranga abo mu muryango cyangwa inshuti zabo bigira nk’aho ari we uri mu kibazo.
Banakoresha guhimba imbuga nkoranyambaga z’ubucuruzi zidahari Abantekamutwe bahimba imbuga nkoranyambaga babeshya ko bafite ibicuruzwa bitandukanye bagurisha. Hari n’abahimba izindi mbuga bavuga ko bakorana n’ibigo by’imari bitandukanye bakabeshya abantu ko nushoramo amafaranga bakungukira ku kigero cyo hejuru.
Hari kandi abiyita abakozi b’ibigo by’itumanaho, baguhamagara biyitirira MTN cyangwa Airtel bakubwira ko habayeho kwibeshya bakohereza amafaranga kandi usabwa kuyasubiza utabikora bagafunga konti yawe. Bakubwira imibare ukanda kugira ngo batagufungira konti ya MOMO, wakumvira ibyo bakubwiye amafaranga ari kuri MOMO bakayiba ndetse n’amafaranga ufite yo kuri konti ya banki yahujwe na numero yawe akibwa.
Hari uguhamagarwa n’uwiyita umukozi wa MTN akubeshya ko watsindiye ibihembo runaka muri tombora, ariko ugasabwa kugira umubare w’amafaranga wohereza kuri nimero baguhaye kugira ngo ubashe kuza gutwara ibihembo watsindiye.
bamwe hari ubwo biyita abakozi ba MTN bakubwira ko mu butaka bwawe bashaka kuhubaka umunara, biherekezwa no kugusaba amafaranga runaka wohereza ngo ayo mahirwe yo kugurirwa na MTN atagucika.
Abandi biyita abakozi ba MTN bakora mu ishami rya Mokash, bakakubwira ko bagufasha kongera inguzanyo yawe ya Mokash, hanyuma bakagusaba gukanda imibare runaka ibaha uburenganzira bwo kwinjira muri konti yawe.
Abatekamutwe kandi bahamagara cyangwa bakohereza ubutumwa ababyeyi biyise abarimu cyangwa abaganga, bavuga ko umwana wawe yarwaye cyangwa yakomerekeye mu mpanuka, bakagusaba amafaranga kugira ngo yitabweho n’abaganga.
Hari n’umuntu uguhamagara avuga ko ari inshuti yawe y’umusirikare uri ku mupaka afite isanduku y’amadolari ariko atabasha kuyambutsa. Akakubwira ko numufasha uzayagiramo inyungu, ariko agasaba amafaranga yo gutanga ruswa cyangwa ubundi bufasha.
Hari abatekamutwe bahamagara bizeza abantu kubavura indwara zananiranye cyangwa bakoresha imbaraga zidasanzwe bakizeza abantu ibitangaza birimo ubukire bwihuse kandi mu buryo bworoheje. Gukemurirwa ibibazo, ikibazo umuntu yaramaranye iminsi (uburwayi, urubyaro, igihombo n’ibindi bibazo)
Muri ayo mayeri kandi harimo n’uguhamagara cyangwa akakwandikira ubutumwa bugufi yiyitirira umukozi w’Imana uvuye i Kibeho akubwira ko afite ubutumwa cyangwa ubuhanuzi, bakagusaba amafaranga yo gutura cyangwa isengesho kandi ko nta wundi muntu ugomba kubibwira.
Abaturage basabwe kubirinda
RURA igaragaza ko uburyo bwo kubirinda harimo kwirinda guha umwanya bene abo, kumutega amatwi no gukurikiza amabwiriza aguha y’ibyo ukora kuri telefoni yawe.
Kugira amakenga igihe cyose umuntu utazi aguhamagaye cyangwa akwandikiye ubutumwa buzamura amarangamutima yawe (umwana bamugonze, umufasha wawe ari kwa muganga, umuturanyi akeneye ubufasha bw’amafaranga, kumpera umuntu amafaranga kuko we ari mu nama aza kuyaguzubiza…)
RIB isaba ko na nimero za telefoni zakoreshejwe bagamije kwiba kuzimenyekanisha ku nzego z’umutekano kugira ngo zikurikiranwe.
Umuyobozi ushinzwe Ikoranabuhanga muri RURA, Gahungu, yagaragaje ko abantu bakwiye kugira amakenga ya Simukadi zibabaruyeho, izo badakoresha bakazikura ku murongo, kuko iyo bigaragaye ko yakoreweho ibyaha bifatwa ko uwo ibaruyeho ari we wabigizemo uruhare.
Ikindi kandi mu gihe bakwibye amafaranga ukwiye guhita wihutira gutanga gutanga ikirego kuri sitasiyo ya RIB ikwegereye cyangwa ugahamagara kuri RIB 166, 100 ya MTN na Airtel.
Social Media
– Kwiyitirira abakozi b’ibigo by’itumanaho
– Kwiyitirira abanyamadini
– Kwiyitirira undi ku imbuga za WhatsApp inshuti yawe
Hagaragajwe amwe mu mayeri yifashishwa mu bikorwa by’ubutekamutwe n’ubujura bukorwa mu kwishyurana hakoreshejwe ikoranabuhanga by’umwihariko ubukorerwa kuri telefoni bugamije gucucura amafaranga.
