Banque Crédit Bujumbura

Incamake ya Banque de Crédit de Bujumbura (BCB) n'Amateka Yayo

Banque de Crédit de Bujumbura (BCB) ni imwe mu mabanki ya kera kandi akomeye mu Burundi, ikaba imaze imyaka irenga mirongo itandatu ikorera abanyagihugu n'amamashirahamwe. Iyi banki yatanguye gukora kw'igenekerezo rya 8 Ruheshi 1964, mu gihe Uburundi bwatahukana ubwigenge, ariko amashami yayo akaba yariho kuva mu 1922.

Ibicumbi vya BCB biri mu gisagara ca Bujumbura, ku muhanda wa Avenue Patrice Emery Lumumba, BP 300. Ifise inomero RC 15.560 mu gitabo c'Ubucuruzi bw'Uburundi.

Uburinganire bw'Abanyeshami: Mu kwezi kwa Kigarama 2022, abanyeshami ba BCB bari bariko: BOA Group (24.22%), Société d'Assurances du Burundi (21.70%), BIO (Belgian Investment Co. for Devt) (20.78%), Republika y'Uburundi (11.93%), FAJAC (10.00%), Office du Thé du Burundi (9.10%), n'abandi (2.27%).

Uburyo Bw'Ubucuruzi n'Abakiriya: BCB itanga serivisi z'amafaranga zikwiye ku bice bitandukanye vy'abakiriya:

• Abantu ku giti cabo (banking y'abantu, amakarita, kwinigisha amafaranga)
• Amamashirahamwe mato n'ayaciriritse (SME) n'ayandi manini (inguzanyo zihambaye, serivisi z'ubudandaji)
• Urudandaza ruto n'urudahagaritswe biciye mu bikorwa vyagenewe SME.

Umuyobozi mukuru wa BCB ni Roger Guy Ghislain Ntwenguye, mu gihe umukuru w'inama y'ubuyobozi yari Léonidas Habonimana kuva mu 2007.

Ibikorwa vy'Inguzanyo vya BCB n'Ibiboneka

BCB itanga inguzanyo zitandukanye zishobora gufasha abanyagihugu n'amamashirahamwe mu migambi yabo y'iterambere. Ng'ibi ibikuru bikuru mu nguzanyo zayo:

Inguzanyo z'Abantu ku Giti Cabo

• Amafaranga asabwa: Hagati y'amafaranga y'amarundi 300 000 (akabaye amadorari y'Amerika 100) n'amafaranga y'amarundi 20 000 000 (akabaye amadorari y'Amerika 6800). (Iyi miriyoni ntaremezwa neza mu masoko ahabona.)
• Inyungu ku mwaka (APR): Hagati ya 14% na 24% ku mwaka. (Iyi miriyoni ntaremezwa neza.)
• Igihe ntarengwa cyo kwishyura: Kuva ku mezi 6 gushika ku mezi 36. (Iyi miriyoni ntaremezwa neza.)
• Imyishyu: Imyishyu yo gutanguza inguzanyo: 1%–2%; Imyishyu yo gutinda kwishyura: 2% ku kwezi. (Iyi miriyoni ntaremezwa neza.)
• Ingwate: Ikarita y'umushahara; ibintu bishobora kwimuka. (Iyi miriyoni ntaremezwa neza.)

Inguzanyo z'Amamashirahamwe Mato n'Ayaciriritse (SME)

• Amafaranga asabwa: Hagati y'amafaranga y'amarundi 1 000 000 (akabaye amadorari y'Amerika 340) n'amafaranga y'amarundi 100 000 000 (akabaye amadorari y'Amerika 34 000). (Iyi miriyoni ntaremezwa neza.)
• Inyungu ku mwaka (APR): Hagati ya 12% na 20% ku mwaka. (Iyi miriyoni ntaremezwa neza.)
• Igihe ntarengwa cyo kwishyura: Kuva ku mezi 3 gushika ku mezi 60. (Iyi miriyoni ntaremezwa neza.)
• Imyishyu: Imyishyu yo gutunganya amadosiye: 1.5%–3%; Imyishyu yo gutinda kwishyura: 2.5% ku kwezi. (Iyi miriyoni ntaremezwa neza.)
• Ingwate: Amazu; ibikoresho; ingwate z'abandi. (Iyi miriyoni ntaremezwa neza.)

Serivisi z'Ubudandaji (Trade Finance - LC, BG)

BCB itanga serivisi z'inguzanyo zifasha mu bucandandaji mpuzamakungu, zishobora kugeza ku madolari y'Amerika miliyoni 5 biciye muri GTFP ya IFC.

• Imyishyu ya komisiyo: 0.5%–1.5% ku gikorwa. (Iyi miriyoni ntaremezwa neza.)
• Igihe ntarengwa cyo kwishyura: Gito (munsi y'amezi 12).
• Imyishyu yindi: Imyishyu ya SWIFT; imyishyu yo kwemeza amadosiye. (Iyi miriyoni ntaremezwa neza.)
• Ingwate: Amasezerano y'ubudandaji; ingwate za banki.

Inguzanyo z'Uburimyi

• Amafaranga asabwa: Hagati y'amafaranga y'amarundi 500 000 n'amafaranga y'amarundi 10 000 000.
• Inyungu ku mwaka (APR): Hagati ya 10% na 16% ku mwaka.
• Igihe ntarengwa cyo kwishyura: Kuva ku mezi 6 gushika ku mezi 24.
• Imyishyu: Imyishyu yo gutunganya amadosiye: 1%.
• Ingwate: Impapuro z'ibintu bibitswe mu bubiko; ingwate z'imigwi ya koperative.

Imyishyu Rusange n'Amafaranga Ahanishwa:

• Imyishyu yo gutanguza/gutunganya amadosiye: 1%–3% y'amafaranga y'inguzanyo.
• Imyishyu yo gutinda kwishyura: 2%–2.5% ku kwezi.
• Imyishyu y'ubudandaji: gushika kuri 1.5% ku gice c'umwaka.
• Imyishyu ya SWIFT n'iy'ibindi bikorwa mpuzamakungu.

Iyi miriyoni yose yashizwe ku rutonde iranga ibiharuro bisanzwe biboneka ku masoko, ariko ibiharuro nyamukuru, inyungu, imyishyu, n'ibisabwa ku ngwate bishobora gushimangwa neza mu gihe umuntu asavye inguzanyo muri banki.

Ingingo zo Gusaba Inguzanyo n'Ubuzima bwa Digital muri BCB

Uburyo bwo Gusaba Inguzanyo

BCB yorohera abakiriya gusaba inguzanyo biciye mu nzira zitandukanye:

• Amashami: Ifise amashami 27 mu Burundi hose, harimwo Bujumbura, Ngozi, na Gitega.
• Digital: Ibiciro vya BOAWeb Internet banking na MyBCBweb online portal. Porogaramu yo kuri telefone (App) izotangura gukora vuba kuri iOS na Android.

Amadosiye asabwa (KYC & Onboarding)

Kugira usabe inguzanyo, BCB isaba amadosiye akurikira:

• Indangamuntu canke pasiporo.
• Impapuro zemeza aho uba.
• Impapuro zemeza umushahara canke inyungu ubona.

Ku nguzanyo zihambaye canke z'ubudandaji, haba hakenewe gusesengurwa neza hakurikijwe amategeko agenga kurwanya igusesagura ry'amafaranga (AML/CFT).

Gusesengura Imyenda n'Uburyo Bwo Gupima Ubushobozi bwo Kwishyura

BCB ikoresha uburyo buvanze bwo gusesengura:

• Gupima neza ibiharuro: Hakoreshwa imibare (ibipimo vy'amafaranga, amateka y'inguzanyo).
• Gusesengura neza ibintu: Hakoreshwa uburyo bwo gupima akamaro k'umugambi w'ubucuruzi.
• Hariho n'uburyo bwo gupima bwagenewe amamashirahamwe y'abagore ashigikiwe na IFC.

Uburyo bwo Gutanga Amafaranga

Amafaranga y'inguzanyo ashobora gutangwa mu buryo butandukanye:

• Gukoresha transferts mu gihugu.
• Kuyakura mu mashami ya banki.
• Kuyohereza biciye ku bakozi ba mobile-money bakorana na banki.

Gukurikirana Imyenda no Kuyaka

BCB ikoresha uburyo bwo kwishura bwegerejwe (standing orders). Igihe habonetse abatinda kwishyura, abakozi bayo bashobora kubasura; ingwate ishobora kugurishwa hakurikijwe amategeko.

Ikoranabuhanga n'Ubugari bwa BCB

Imbuga za Digital:

• BOAWeb Internet banking ifasha mu gucunga konti, kohereza amafaranga, n'kwishyura faturu. Yahawe amanota 4.2 mu masoko akoreramwo BOA.
• Porogaramu yo kuri telefone iri gutunganywa (itegewe gutangura gukora mu mpera za 2025).

Urwinjizamatwi rwa banki (bcb.bi) rurerekana amadosiye y'ibikorwa, ibipimo vy'ivunja, n'aho amashami aherereye. Ikorana kandi n'imbuga nkoranyambaga nka LinkedIn.

Ubugari Bw'Igihugu n'Abakiriya

BCB ifise amashami 27 akwiragiye mu ntara ya Bujumbura n'izindi ntara 7. Ifise abakiriya barenga 60 000 b'abantu ku giti cabo n'abarenga 5 000 b'amamashirahamwe mato n'ayaciriritse. Abakiriya bayo barimwo abakozi bo mu gisagara, abanyasoko bo mu cyaro, n'abohereza ibintu mu mahanga.

Iteganyabanga, Ikibanza ku Isoko, n'Inama ku Basaba Inguzanyo

Uburenganzira n'Ubugenzuzi

BCB ifise urushushondanga rwatanzwe na Banque de la République du Burundi (BRB) nk'banki y'ubucuruzi. Igenzurwa na BRB ku bijanye n'amategeko agenga ubudahangarwa bw'amafaranga, amategeko yo kurwanya igusesagura ry'amafaranga n'iterabwoba (AML/CFT), kandi igenzurwa buri mwaka n'abagenzuzi bo hanze. Nta ngingo mbi zigeze zifatirwa BCB mu myaka itanu iheze.

Ikibanza ku Isoko n'Abaserukanyi

BCB iri mu mabanki 3 ya mbere mu Burundi mu bijanye n'amafaranga yinjiza n'inguzanyo itanga. Kuva mu kwezi kwa gatatu 2024, yari iya gatatu mu mabanki afise umutungo munini.

Abaserukanyi Bakuru:

• Bank of the Republic of Burundi (BRB)
• Banque de Gestion et de Financement (BGF)
• CRDB Bank Burundi

Igitandukanya BCB n'Izindi Banki:

• Amateka maremare.
• Umugwi munini w'amashami.
• Kwifata neza ku mamashirahamwe mato n'ayaciriritse (SME).
• Gushigikirwa n'abafatanyabikorwa mpuzamakungu biciye muri BOA Group.

Abakiriya Bavuga Iki?

Ibitabo vy'abashitsi nka Petit Futé biravuga ko BCB ifise amashami 27 kandi ko bishoboka gukura amafaranga ukoresheje amakarita ya Visa/MasterCard. Ariko, hari abakiriya bavuga ko hari igihe baba bategereje cane ku mashami canke ko uburyo bwa digital buhagarara rimwe na rimwe. Serivisi z'abakiriya zirangwa n'umugwi uheza kuvugana n'abakiriya mu ndimi zitandukanye, abayobozi bagenewe amamashirahamwe mato, n'uburyo bwo kuganira kuri urwinjizamatwi.

Inama z'Ingirakamaro ku Bashaka Gusaba Inguzanyo

Nka umusesenguzi w'amafaranga, ndagira inama abashaka gusaba inguzanyo muri BCB (canke ahandi) ibi bikurikira:

1. Soma neza amasezerano: Imbere yo gusinya, soma neza kandi usobanukirwe buri kantu kose mu masezerano y'inguzanyo. Ni akarusho kugira umuntu agufashe gusoma no gusobanura.
2. Menya neza inyungu n'imyishyu: Baza ibisobanuro vyose ku bijanye n'inyungu (APR) n'imyishyu yose ishobora kubaho, harimwo n'iy'ukwandika canke iy'ugutinda kwishyura. Ntihagire igikurya gitanguye utazi.
3. Banza witegure: Iba ufise amadosiye yose asabwa yateguwe neza. Ibi bituma ingingo yo gusaba igenda neza kandi ntigutege.
4. Gereranya n'izindi banki: Naho BCB ari banki ikomeye, ni vyiza kugereranya ibikorwa n'inyungu zayo n'iza zindi banki mu Burundi. Ibi bizogufasha gufata ingingo nziza.
5. Koresha neza ikoranabuhanga: Igihe porogaramu ya BCB yo kuri telefone izotangura, ntuzibagire kuyikoresha kugira umenye neza konti yawe n'inguzanyo yawe.
6. Baza ibibazo: Ntugire isoni zo kubaza ibibazo vyose ukeneye kumenya. Abakozi ba banki bariho kugira bagufashe gusobanukirwa.

Banque de Crédit de Bujumbura iguma ari ikigo ngenderwako mu bijanye n'amafaranga mu Burundi, iguma itanga inyishu ku vyifuzo bitandukanye vy'abanyagihugu n'amamashirahamwe, ivyanze amateka yayo maremare n'ikoranabuhanga rigezweho.