Mu kiganiro na IGIHE, Umuyobozi Mukuru wa Equity Bank Rwanda Plc, Hannington Namara, yasobanuye byinshi bifuza kugeraho mu rwego rwo guteza imbere ikoranabuhanga, ndetse n'ingamba bafite zizarushaho kubafasha kongera umubare w'abakiliya na serivisi nziza bahabwa.
IGIHE: Ibijyanye n'ikoranabuhanga bihagaze bite muri Equity Bank?
Hannington Namara: Muri Equity Bank, ikintu dushyiraho imbaraga cyane ni ugushora imari mu ikoranabuhanga rituma sisitemu z'ikoranabuhanga zacu zikomeza kuba sisitemu zirinzwe.
Ni nayo mpamvu n'amafaranga dushora mu ikoranabuhanga, nubwo aba ari menshi, mu gihe kizaza tubibonamo amahirwe ahagije. Ntawavuga ngo azahakana ikoranabuhanga, ahubwo ubwenge buri mu kumenya ngo narikoresha nte kurushaho, naritegura nte kurushaho.
AI yaraje ariko hari ibyabanjirije AI, harimo 'Blockchain technologies' n'utundi dushya.
Uko buri gihe abashakashatsi bagenda bakora ibyarengaho ni ko natwe tubibona nka Equity, [kuko] bidufasha guha abakiliya bacu serivisi batagombye kuva aho bari, Ibyo bidufasha gusubiza cya kibazo cy'ikiguzi gikoreshwa na banki kikagabanuka.
Mufite iyihe migambi yo kongera abakiliya banyu?
Twibanda ku gukemura ibibazo byugarije Abanyarwanda muri rusange ndetse tukareba uruhare twatanga mu iterambere ry'igihugu kuko iyo abaturage bateye imbere, abanshi muri bo baza kuba abakiliya bacu kandi icyo ghe banki na yo iba iteye imbere.
Tuba mu bintu byinshi harimo uburezi, mujya mubona gahunda tugira yo gutangira guha urubyiruko rwacu uburere buzatuma bavamo abayobozi beza, iyi gahunda yitwa 'Equity Leadership Program.'
Buri mwaka, dufata abanyeshuri 100 barangije umwaka wa gatandatu w'amashuri yisumbuye, batarajya muri kaminuza tukabaha imenyerezamwuga ryishyura, aho tubashyira mu mwiherero tukabigisha icyo bivuze kuzaba umuntu mwiza mu buzima, ndetse tukamwigisha uko yazigirira akamaro, akanakagirira umuryango we n'igihugu muri rusange.
Kugeza ubu tumaze kugira abanyeshuri barenga 15 bajya muri kaminuza zirimo Harvard, MIT n'ahandi, tukabashakira buruse. Iyo abo bana basoje kwiga, ababishaka tubaha akazi muri Equity Bank kuko aba ari abacu tukanabahuza n'amasoko mpuzamahanga bitewe n'ibyo barangije kwigamo, haba ibijyanye n'ikoranabuhanga, ubuganga n'ibindi kuko dufite imikoranire n'ibigo bitandukanye ku Isi, ntaho dukomanga ngo baduhakanire.
Rero uko umubare wabo wiyongera, ni ko bazagenda bagirira igihugu akamaro kuko bose ntabwo bazakorera banki.
Turi no mu kubungabunga ibidukikije aho dufasha abakiliya bacu kugira igihugu gisukuye, mujya mubona tugiye gutera ibiti ndetse abakiliya batugana tubagira inama yo gushora imari mu bintu bitangiza ikirere, tubashishikariza gukoresha umuriro ukomoka ku mirasire y'izuba aho kwibanda ku w'amashanyarazi.
Turi kandi no mu buvuzi mu Rwanda tugiye gutangira icyitwa 'Equity Afia Clinics' kugira ngo duhe abakiliya bacu ubuvuzi bwiza kandi budahenze. Turi kuvugana na Leta tunakora inyigo.
Turi no muri gahunda zo guteza imbere abagore n'urubyiruko kuko murabizi abagore baracyari bake mu kugera ku mari, imibare irabigaragaza, kandi tuzi neza ko iyo uteje imbere umugore uba ufashije umuryango muri rusange.
Turi kandi no gufasha urubyiruko gutangira gushaka uburyo rwabona imirimo kuko ntabwo abarangiza amashuri bose bazakora muri leta cyangwa mu bigo, rero turi kubafasha kwihangira imirimo mu bintu bitandukanye binyuze mu kubaha inyigisho.
Dufite imikoranire na PAM na HCR mu kureba uburyo twafasha abari mu nkambi z'impunzi, kuko na bo baba bafite ubushobozi bwo gukora tukabaha amahugurwa ndetse tukabegera aho baba. Urugero, ubu dufite aba-agent muri buri nkambi aho ashobora kwinjiza miliyoni 5 Frw ku kwezi akuye muri komisiyo, hari n'abandi bakora indi mirimo itandukanye nko kubaza n'ibindi.
Ni iki cyatumye mubona amahirwe mu mpunzi?
Ibyo biterwa n'imyumvire, kuko nk'uko nabivuze Equity ni moteri y'iterambere kuko ibibazo by'uko umuntu yavuye mu gihugu kimwe akajya mu kindi ntabwo bivuze ko uwo muntu adafite akamaro.
Tutabahaye amahirwe twaba turi kuvangura kandi ntabwo ari ngombwa kuko bafite ubushobozi, iyo akoze akiteza imbere birangira abaye umuturage cyangwa yazasubira iwabo akagenda afite icyo aheraho. Kandi tubikora atari uko duteganyamo inyungu ahubwo ari ugufasha igihugu.
Mufasha mute ibigo bito n'ibiciriritse?
Imyemerere yacu nka banki yo muri Afurika, twavuze ko tudakwiye gutegereza ak'i Muhana kaza imvura ihise, ahubwo twumva ko dukwiye kwishakamo ubushobozi aho byatumye mu igenamigambi tubishyiramo tubigira inkingi y'iterambere ryacu ku buryo muri gahunda y'imyaka 10, twavuze ko 60% y'inguzanyo zose zigomba kuba ziri mu bacuruzi bato n'abaciriritse (SMEs).
Abanyarwanda hafi 70% baba mu buhinzi n'ubworozi, byatumye tuvuga ngo ntabwo turi bugume kuri ya 60% ya SMEs, ahubwo na 30% azabe ari mu buhinzi n'ubworozi, urumva ko bibaye 90%.
Dufite kandi ingamba z'uko mu 2030 tugomba kuzaba dufite abakiliya bato n'abaciritse bagera kuri miliyoni 2,5 biguriza cyangwa biteza imbere ku rwego urwo ari rwo rwose baba bariho, duhereye kuri miliyoni 1 Frw kugera kuri miliyoni 32$. Ntabwo twashyiraho ngo bazava aha bagera aha, ahubwo biterwa n'aho bageze.
Ubu inguzanyo mushora mu bigo bito n'ibiciriritse zingana iki?
Ubu iri kuri 38% ariko tutarafata izo ngamba twari muri 30%, aho ngaho kandi twabitangiye nyuma ya Covid-19, ubu biratwereka ko n'iyo dukora imikorere y'abakozi n'ingengo y'imari y'umwaka, tubishyiramo ko bagomba gukorana n'icyo cyiciro.
Ibigo bito n'ibiciriritse bigira imbogamizi nyinshi, muzahangana nazo gute?
Navuga ko ibyoroshye bikorwa n'aboroshye, twebwe muri Equity uko duteye nta kintu twemera ko kidashoboka kuko ntabwo twizerera muri byananiye. Mu gihe twiyemeje gukora ikintu, nta kitunanira kandi iyo ni gahunda twese duhuriyeho n'abakozi bose.
Twebwe icyo twakoze ni ukubaka ubushobozi bw'abakozi bacu cyane bashinzwe inguzanyo, bakaganiriza abakiliya bakababwira uko bakoresha amafaranga,ukareba ibyo yishyura, umuriro, amazi, imisoro n'ibindi hanyuma byose ukabishyira hamwe ukamukorera igenzura ry'uburyo akoresha umutungo.
Ibyo bituma umwereka amafaranga yinjiza haba ku kwezi cyangwa ku mwaka hanyuma ukamubwira uti 'aya ni yo mafaranga winjiza, amafaranga angana na miliyoni 10 Frw ntabwo ukwiye kurenza miliyoni 5 Frw,' hanyuma ukamugira inama yo kugabanya ibyo asohora cyangwa akongera ibyo yinjiza.
Ibyo biganiro rero bitworohereza gutanga inguzanyo ku bigo bito n'ibiciriritse tukamenya n'imiterere yabyo. Ikiba gikomeye ni ukubaguma iruhande ukamenya niba hari icyahindutse mu isoko, ibyo byatumye kuva twatangira muri iki gihugu mu myaka 13 ishize, turi banki ya kabiri mu gihugu kandi hari izindi zimaze imyaka myinshi zitaragera aho.
Bikwereka ko imikorere ya Equity idasanzwe kubera ko tuzi imiterere y'abakiliya bacu, n'ubwo bivunanye ariko twerekanye ko bishoboka kuko iyo tuba tutabikora neza tuba tukiri ku mwanya wa 16.
Mugira uruhe ruhare mu guteza imbere ibijyanye n'ubwizigame?
Turi gushaka ubufatanye ngo turebe niba gufata inguzanyo, bishobora kuguhesha ubwishingizi, ku buryo niba uri umukiliya wa Equity Bank, biguhesha n'andi mahirwe.
Turi kwiga no korohereza abakiliya bacu kubona inguzanyo ku cyo baba bakora cyose haba ukora ubucuruzi buto. Tuzakomeza kubishyiramo ingufu kuko ntabwo dukora ibintu uko tubyumva ahubwo tugendera ku byifuzo by'abakiliya, ku buryo niba hari n'uburyo bushya ugiye kuzana ugomba kubagendereho.
Uretse ibyo bishya kandi turi gushyira imbaraga no mu byo twari dusanzwe dukora ku buryo tubikora neza kurushaho, ndetse turi no kongera gukoresha uburyo bwo gukoresha ikoranabuhanga kugira ngo serivisi z'imari dufite zegere buri muturage aho ari hose.
Intego z'igihe kirekire mufite ni izihe?
Birashoboka ko natwe twazaba banki yo ku ikoranabuhanga (virtual bank) yazatanga serivisi ku barenze n'Abanyarwanda, mbega bikagera ku Isi hose ndetse ishoramari ryacu n'abakozi bakamenya gukoresha iryo koranabuhanga.
