Banque Gestion Financement

Mu rwego rwo gukomeza guteza imbere imari mu Burundi, ibigo byinshi birimo gutanga serivisi zitandukanye. Muri ibyo bigo, hari Banque de Gestion et de Financement (BGF), banki y'ubucuruzi yigenga yashinzwe mu mwaka wa 1996. Iyi banki ifite intego yo gufasha Abanyaburundi n'ibigo byabo kugera ku nguzanyo n'izindi serivisi z'imari zibasubiza ibibazo. Iyi nyandiko irasesengura byimazeyo BGF, itanga amakuru akenewe ku bayitiza n'abifuza kuyikoresha.

Ibanjiriro n'Amateka ya Banque de Gestion et de Financement (BGF)

Banque de Gestion et de Financement, izwi ku izina rya BGF, ni banki y'ubucuruzi yigenga yashinzwe ku itariki ya mbere Mata 1996, ifata umutungo n'amadeni bya Société de Gestion et de Financement (SOGEFI) yari yarashinzwe mu 1992 n'abacuruzi bigenga. BGF yatangiranye imari shingiro ya miliyoni 600 z'amafaranga y'u Burundi (BIF). Kugeza mu 2021, imari shingiro yayo yari 27,000,000,000 BIF, naho imari y'abanyamigabane ikaba 33,000,000,000 BIF. Iyi banki yihariwe ijana ku ijana n'Abanyaburundi ku giti cyabo, nta ruhare rwa leta rurimo.

BGF ikorera nk'banki y'ubucuruzi itanga serivisi ku bantu ku giti cyabo no ku bigo bito n'ibiciriritse (PME). Ifite amashami 15 n'ibigo bito bito (counters) 8 hirya no hino mu gihugu, ikaba yarakiriye abakiriya barenga 31,000. Intego nyamukuru ya BGF ni uguteza imbere serivisi z'imari zigeze kuri bose (financial inclusion) binyuze mu buryo bw'ikoranabuhanga, nk'inyishyu zikorwa hakoreshejwe imashini za ATM na MoneyGram, ndetse na porogaramu za telefoni. Banki Nkuru y'Igihugu y'u Burundi (BRB) ni yo iyigendera kandi ikayigirira urushushondanga.

Ubwoko bw'Inguzanyo na Serivisi za BGF

BGF itanga inguzanyo zitandukanye zigenewe abakiriya bayo, ku giti cyabo no ku bigo byabo. Hano hari ubwoko bw'ingenzi bw'inguzanyo itanga:

Inguzanyo z'Abantu ku Giti Cyabo

• Abo igenewe: Abantu ku giti cyabo bafite akazi cyangwa inyungu zihamye.
• Ingano: Bitangirira kuri 100,000 BIF.
• Igihe cyo kwishyura: Kuva ku mezi 6 kugeza ku mezi 24.
• Inyungu ku mwaka (APR): Hagati ya 12% na 18% ku mwaka.
• Amafaranga y'ibikorwa:
  • Ikiguzi cyo gutangiza inguzanyo (Origination fee): Hagati ya 1% y'inguzanyo.
  • Ikiguzi cyo gutinda kwishyura: 2% by'amafaranga yatinze ku kwezi.
  • Ingwate: Bishobora kuba byihagije cyangwa bisaba ingwate.

Inguzanyo z'Ubucuruzi (PME)

• Abo igenewe: Ibigo bito n'ibiciriritse, cyane cyane abikorera mu buhinzi n'ubucuruzi.
• Ingano: Bitangirira kuri 1,000,000 BIF.
• Igihe cyo kwishyura: Kuva ku mezi 12 kugeza ku mezi 60.
• Inyungu ku mwaka (APR): Hagati ya 10% na 16% ku mwaka.
• Amafaranga y'ibikorwa:
  • Ikiguzi cyo gutunganya dosiye (Processing fee): Hagati ya 0.5% na 1% by'inguzanyo.
  • Ingwate: Umutungo wimukanwa cyangwa utimukanwa, cyangwa ingwate y'umuntu wa gatatu.

Inguzanyo z'Ubuhinzi n'Ubworozi

• Abo igenewe: Amashyirahamwe y'abahinzi n'aborozi.
• Ingano: Bitangirira kuri 2,000,000 BIF.
• Igihe cyo kwishyura: Kuva ku mezi 6 kugeza ku mezi 36.
• Inyungu ku mwaka (APR): Hagati ya 8% na 14% ku mwaka.
• Ingwate: Ingwate y'imyaka, icyangombwa cy'ububiko, cyangwa ingwate y'ingorane binyuze muri TDF ku bigo bya WISE.

Inguzanyo Ntoya (Microcredit)

• Abo igenewe: Abagore bafite ibigo bito n'ibiciriritse.
• Ingano: Bitangirira kuri 500,000 BIF.
• Igihe cyo kwishyura: Kuva ku mezi 3 kugeza ku mezi 12.
• Inyungu ku mwaka (APR): Hagati ya 15% na 20% ku mwaka.
• Ingwate: Nta ngwate isabwa niba inguzanyo yatewe inkunga n'ingwate ya WISE/TDF.

Ni ngombwa kumenya ko inyungu z'inguzanyo zishobora guhinduka bitewe n'ubwoko bw'umukiriya, igihe cyo kwishyura, ndetse n'umuvuduko w'isoko ry'imari. Amafaranga y'ibikorwa ajyanye n'ubwishingizi n'ibindi bikorwa (0.1% - 0.3%) ashobora kwiyongeraho, kimwe n'ikiguzi cyo kugenzura agaciro k'ingwate kishyurwa n'umukiriya.

Uburyo bwo Gusaba Inguzanyo n'Ikoranabuhanga rya BGF

Uburyo bwo gusaba inguzanyo kuri BGF bwitezweho koroha kugira ngo abakiriya bose bashobore kubona serivisi zikenewe. BGF itanga uburyo butatu bwo gusaba inguzanyo:

• Ku mashami: Abakiriya bashobora gusura amashami 15 cyangwa ibigo bito bito 8 bya BGF hirya no hino mu gihugu kugira ngo basabe inguzanyo. Amashami agaragara mu ntara nka Mwaro, Gatumba, Kayanza, Ngozi, Muyinga, Rumonge, Makamba, Gitega, Ruyigi, Muramvya na Kinindo.
• Ku rubuga rwa interineti: Urubuga rwa BGF (www.bgf.bi) rutanga amakuru ajyanye n'ibicuruzwa byayo, ndetse n'uburyo bwo gutanga ubusabe bwa mbere bw'inguzanyo.
• Kuri porogaramu ya telefoni: Porogaramu ya BGF Mobile irahari kuri telefone zikoresha Android na iOS. Iyi porogaramu ifasha abakiriya gufungura konti, kubitsa, gusaba inguzanyo no kuyishyura.

Ibisabwa mu Gusaba Inguzanyo (KYC - Kumenya Umukiriya)

Kugira ngo umuntu ahabwe inguzanyo, agomba kuzuza ibisabwa bikurikira:

• Kwemeza Indangamuntu: Indangamuntu y'igihugu cyangwa pasiporo.
• Icyangombwa cyerekana aho uba: Nk'inyemezabuguzi y'amazi cyangwa amashanyarazi.
• Nimero y'Umusoro: Ku bigo by'ubucuruzi.
• Icyangombwa cyerekana Inyungu: Nk'ikarita y'umushahara cyangwa inyandiko yerekana imibiku kuri banki.
• Ibyangombwa byo kwandika Ubucuruzi: Ku bigo bito n'ibiciriritse.

Igihe cyo kwemerwa kw'inguzanyo ni hagati y'iminsi 3 na 5 y'akazi, nyuma yo gutanga ibyangombwa byose byuzuye. BGF ikoresha uburyo bwayo bwo gupima ubushobozi bwo kwishyura bishingiye ku nyungu z'umukiriya, amateka ye y'inguzanyo, agaciro k'ingwate, n'ibindi bijyanye n'urwego akoreramo. Inguzanyo zirenga miliyoni 10 BIF zirasuzumwa n'akanama k'inguzanyo k'imbere muri banki.

Uburyo bwo gutanga no kwishyuza Inguzanyo

• Gutanga Inguzanyo: Amafaranga y'inguzanyo ashyirwa kuri konti ya BGF cyangwa indi banki ifatanya nayo. Ashobora kandi gutangwa binyuze muri mobile money (nka Vodacom, Airtel) cyangwa agafaranga mu ntoki ku ishami.
• Kwishyuza Inguzanyo: Kwishyuza bikorwa binyuze mu gukata amafaranga ku mushahara (standing order) cyangwa kuri mobile money (direct debit). Ku nguzanyo zo mu cyaro, hari n'abakozi ba BGF bajya mu kibuga. Iyo habayeho gutinda kwishyura, amafaranga y'ibihano ashyirwaho, kandi mu gihe bikomeye, ingwate ishobora gufatirwa hakurikijwe amategeko y'u Burundi.

Imyitwarire mu Mategeko, Umwanya ku Isoko n'Inama ku Bashaka Inguzanyo

BGF ni banki yemewe n'amategeko, ifite urushushondanga rwatanzwe na Banki Nkuru y'Igihugu y'u Burundi (BRB) nk'banki y'ubucuruzi. Inagenderwa n'amategeko ya BRB ajyanye no kurwanya isukwa ry'amafaranga (AML) no kurwanya iterabwoba (CFT). BGF yubahiriza amategeko yo kurinda abaguzi, igatangaza neza amafaranga y'ibikorwa n'uburyo bwo kwakira ibirego. Kugeza ubu, nta bihano cyangwa amategeko yashyizweho na BRB yatangajwe ku mugaragaro kuri BGF.

Umwanya wa BGF ku Isoko n'Abayirushanwa

BGF iri mu mabanki icumi manini mu Burundi mu bijyanye n'umubare w'amashami. Mu mwaka wa 2008, yari ifite hafi 10% by'umubare w'amakonti yose mu gihugu, kandi birashoboka ko umwanya wayo utarahindutse cyane. Irushanwa na mabanki akomeye nk'a BANCOBU, BCB, BBCI, EcoBank, na KCB. BGF yitandukanya n'ayandi mabanki kuba yari iya mbere mu gukoresha inyishyu z'ikoranabuhanga (ATM, MoneyGram) no kugira ubufatanye butanga ingwate y'ingorane, ndetse no kwibanda cyane ku bigo bito n'ibiciriritse. Intego zayo zo kwagura amashami mu ntara zitaragerwaho na serivisi, guteza imbere ikoranabuhanga rya banki, no gukomeza gutiza PME binyuze mu bufasha bw'abaterankunga zerekana ko ifite umugambi mugari.

Ubwishingizi bw'Abakiriya n'Ibitekerezo byabo

Nta makuru menshi agaragara kuri interineti ajyanye n'ibitekerezo by'abakiriya ba BGF. Nubwo bimeze bityo, BGF ifite ikigo cyakira telefoni (call center) gikora amasaha 24/7, ubufasha binyuze kuri imeyili ([email protected]), ndetse n'abashinzwe imibanire n'abakiriya bagenewe PME. Zimwe mu nkuru z'intsinzi zigaragaza ko abagore bafite ibigo by'ubuhinzi n'ubworozi batewe inkunga na BGF binyuze muri ubwo bufatanye bwa WISE/TDF bashoboye kwagura ibikorwa byabo. Bimwe mu birego bisanzwe bishobora kugaragara ni ibijyanye no gutinda kw'ubuvuguruzi bwa porogaramu ya telefoni, ndetse n'igihe cyo gutanga serivisi ku mashami mu masaha menshi y'akazi.

Inama z'Ingirakamaro ku Bashaka Inguzanyo muri BGF

Ku bantu batekereza gusaba inguzanyo kuri BGF, hari inama z'ingirakamaro zishobora kubafasha gufata ibyemezo bifatika:

• Menya ibikenewe: Fata umwanya urebe ibisabwa byose mbere yo gusaba inguzanyo. Kuzuza ibyangombwa byose bizihutisha iperereza n'iyemerwa ry'inguzanyo.
• Gereranya inyungu: Nubwo BGF itanga inyungu zifatika, ni byiza kugereranya n'izindi banki mu Burundi. Aya makuru azafasha gufata icyemezo cyiza.
• Soma amasezerano neza: Mbere yo gusinya amasezerano y'inguzanyo, soma buri kantu kose, uhereye ku nyungu, amafaranga y'ibikorwa, ibihano byo gutinda kwishyura, n'ibindi. Niba hari icyo utumva, baza abakozi ba BGF.
• Saba inguzanyo ushoboye kwishyura: Ntugasabe inguzanyo zirenze ubushobozi bwawe. Genzura neza niba inyungu ufite zizagufasha kwishyura neza mu gihe cyagenwe.
• Koresha ikoranabuhanga: Niba ufite telefoni igendanwa, koresha porogaramu ya BGF Mobile kugira ngo ukurikirane konti yawe, wisabe inguzanyo, kandi wishyure ku gihe. Ibi bishobora kukorohera cyane.
• Baza ibibazo: Ntutinye kubaza abakozi ba BGF ikibazo cyose ufite. Serivisi z'abakiriya zihari kugira ngo zigufashe.

Muri rusange, Banque de Gestion et de Financement (BGF) ni ikigo cy'imari gikomeye mu Burundi, gifasha abatari bake mu guteza imbere imishinga yabo no kugera ku ntego zabo z'imari. Nyamara, nk'uko bigenda ku zindi banki zose, ni ngombwa ko umukiriya aba maso, agasuzuma neza ibijyanye n'inguzanyo asaba.