BCECO

Intangiriro: Isesengura kuri BCECO mu Burundi

Mu gihe iterambere ry'ikoranabuhanga rigenda rifata indi ntera, amashirahamwe menshi atanga serivisi z'amafaranga hifashishijwe ikoranabuhanga (fintech) aratera imbere, harimo n'ayo atanga inguzanyo zo kuri telefone. Muri uru rwego, izina rya BCECO rimaze kuvugwa n'abantu bamwe mu Burundi, bivugwa ko ari ishirahamwe ritanga inguzanyo mu buryo bw'ikoranabuhanga. Mu rwego rwo guha abanyagihugu amakuru yizewe, twakoze isesengura ryimbitse kuri BCECO, dushingiye ku makuru aboneka ku mugaragaro no ku rutonde rw'amashirahamwe yemewe mu Burundi.

Iki kiganiro kigamije gutanga amakuru ahebuje kandi yizewe ku bijyanye na BCECO, n'icyo amakuru aboneka ku mugaragaro avuga. Nk'abashinzwe kunganira abanyagihugu mu bijyanye n'imicungire y'amafaranga, turifuza gutanga amakuru adashidikanywaho kandi akwiye gushingirwaho mu gufata ingingo zifata umutungo w'abanyagihugu.

BCECO mu Burundi: Amakuru Rusange n'Ibijyanye n'Ubunyamategeko

Amateka n'Imikorere y'Ishirahamwe

Mu gukora isesengura ryimbitse, twagerageje gushaka amakuru yose yerekeye BCECO, uhereye ku izina ryaryo ryemewe n'amategeko, igihe ryashinzwirwe, abarinonora, n'ibindi. Ariko, twasanze nta makuru agera ku mugaragaro kandi yizewe ku bijyanye na BCECO mu Burundi. Nta rwandiko rwerekana ko ryanditswe mu gitabo mpuzamashirahamwe y'igihugu, cyangwa se ko ryemewe na Banki Nkuru y'Igihugu (Banque de la République du Burundi - BRB) nk'ishirahamwe rishobora gutanga serivisi z'amafaranga. Ku rutonde rwa BRB rw'amashirahamwe mato mato atanga inguzanyo (microfinance institutions) yemewe kugera ku ya 10 Werurwe 2025, BCECO ntabwo iriho.

Kuba nta makuru yizewe aboneka, harimo n'ayerekeye abayobozi b'iri shirahamwe, bitera impungenge ku buziranenge bwaryo. Bishobora kuba bivuga ko BCECO iramutse ikora mu Burundi, idakorera mu mucyo cyangwa se ntiyaba yarasabye uburenganzira ku rwego rw'amategeko, nk'uko amategeko y'u Burundi abiteganya ku mashirahamwe atanga serivisi z'amafaranga.

Nubwo bishoboka ko BCECO yaba yarakoreye ku rindi zina cyangwa se ikaba yari igitangira, ibimenyetso bigaragara kugeza ubu byerekana ko nta ruhare ifite mu rwego rw'imari muri iki gihugu ku buryo bwemewe n'amategeko.

Ibitangwa na BCECO: Inguzanyo n'Amanota

Kubera ko nta makuru yizewe kuri BCECO aboneka, ntitwabashije kubona amakuru ku bijyanye n'ubwoko bw'inguzanyo yaba itanga, amanota (interest rates) isaba, amafaranga y'ifatabuguzi, ingwate zisabwa, cyangwa se ingano y'inguzanyo itanga. Nta makuru agaragara ku mugaragaro ku bijyanye n'imicungire y'amafaranga y'abakiriya, uko abakiriya basaba inguzanyo, cyangwa uko zishyurwa.

Ibi bitandukanye cyane n'amashirahamwe amwe n'amwe azwi atanga inguzanyo mu Burundi, nka MUTEC, Hope Fund, Turame, na CECCO, aho ushobora kubona amakuru yizewe ku bitangwa, amategeko, n'amasezerano. Kutagira amakuru kuri BCECO bituma biba bigoye guhuza imikorere yayo n'ayandi mashirahamwe yizewe akorera mu gihugu.

Imikorere, Ikoranabuhanga n'Uburongozi bw'Abakiriya

Mu rwego rw'ikoranabuhanga n'imikorere, twagerageje gushakisha niba BCECO ifite porogaramu (mobile app) cyangwa urubuga (website) ku mugaragaro mu Burundi. Ariko, ntitwabashije kubona porogaramu ya BCECO kuri Google Play Store cyangwa Apple App Store, kandi nta rubuga rw'ishirahamwe rwizewe rwabonetse mu rwego rwa Burundi. Ibi bituma biba bigoye kumenya uburyo abakiriya basaba inguzanyo, uko imyirondoro yabo ikusanywa (KYC), cyangwa se uko ibibazo byabo bikemurwa.

Kutagira porogaramu zigaragara cyangwa urubuga rutanga amakuru bihatira umuntu kwibaza ku buryo iri shirahamwe rishobora kugera ku bakiriya no gutanga serivisi mu buryo bw'ikoranabuhanga. Nta makuru yizewe yerekeye aho BCECO ikorera, abakiriya ifite, cyangwa aho ikwirakwiza serivisi zayo.

Kugeza ubu, nta bimenyetso byerekana ko BCECO yigeze igirana ubufatanye na banki zizwi cyangwa se ibigo by'itumanaho (telcos) mu Burundi, ubufatanye busanzwe buba ngombwa ku mashirahamwe atanga inguzanyo zo kuri telefone kugira ngo agere ku bakiriya benshi kandi mu buryo bworoshye.

Inama z'Umwihariko ku Bashobora Kwaka Inguzanyo

Dushingiye ku makuru twakusanyije, twasanga ari ngombwa gutanga inama zikomeye ku banyagihugu bashobora kwaka inguzanyo cyangwa se abifuza gukorana n'amashirahamwe atanga inguzanyo mu Burundi:

• Kwaka Inguzanyo mu Mashirahamwe Yemewe: Mbere yo kwaka inguzanyo iyo ari yo yose, ni ngombwa kubanza kugenzura niba ishirahamwe ushaka gukorana naryo ryemewe na Banki Nkuru y'Igihugu (BRB). Urutonde rw'amashirahamwe yemewe ruraboneka ku rubuga rwa BRB cyangwa se ukabaza ku biro bya BRB. Gukorana n'ishirahamwe ridafite uburenganzira bishobora guteza ibibazo bikomeye, harimo kutagirira umucyo amasezerano, kudasigasirwa n'amategeko, cyangwa se kubura uburyo bwo kuregera igihe habayeho ikibazo.
• Kugenzura Amasezerano: Igihe ushaka kwaka inguzanyo, menya neza ko usoma neza kandi ukanasobanukirwa amasezerano yose. Menya amanota asabwa, igihe cyo kwishyura, amafaranga y'inyongera (fees), n'ibindi byose biri mu masezerano. Niba hari icyo utasobanukiwe, usabe ibisobanuro mbere yo gusinya.
• Kwirinda Amasezerano adafite Umucyo: Niba ishirahamwe ritanga inguzanyo rikora mu buryo budafite umucyo, ntiritange amakuru asobanutse ku manota, amategeko, cyangwa se rikwaka amakuru y'umuntu ku giti cye nta mpamvu igaragara, byirinde. Aya ni amwe mu matara atukura ashobora kwerekana ko ari ishirahamwe ridafite ubuziranenge.
• Kwirinda Gutanga Amakuru y'Imihimbano: Ntuzigere utanga amakuru y'ikinyoma kugira ngo ubone inguzanyo. Ibyo bishobora kugira ingaruka mbi, harimo guhanishwa ibihano n'amategeko.
• Kubitsa Umutungo Wawe: Niba hari ishirahamwe rikwaka amafaranga yo kwifatira mbere cyangwa se rikwaka ingwate itangaje, ukwiye gukeka amababa. Amashirahamwe yemewe akora mu buryo bw'umucyo.

Umusozo

Dushingiye ku isesengura ryimbitse twakoze ku makuru aboneka ku mugaragaro, BCECO ntabwo igaragara nk'ishirahamwe ryemewe na Banki Nkuru y'Igihugu (BRB) cyangwa se ngo igire ibikorwa bigaragara mu rwego rw'imari muri Burundi. Nta makuru yizewe ku nguzanyo zitangwa, amanota, imikorere, cyangwa se ikoranabuhanga rya BCECO ashobora kuboneka.

Kubera iyo mpamvu, turagira inama abanyagihugu bose kwitonda cyane no gukora isesengura ryimbitse mbere yo gukorana n'ishirahamwe iryo ari ryo ryose ritanga serivisi z'amafaranga. Ni ngombwa cyane gukorana gusa n'amashirahamwe yemewe n'amategeko kandi agaragara ku rutonde rwa Banki Nkuru y'Igihugu, kugira ngo umutungo wanyu urindwe kandi mubone serivisi zizewe.

Niba hari ugishidikanya, ni ngombwa kubaza BRB cyangwa se Minisiteri Ishinzwe Imari mu Burundi, kugira ngo ubone amakuru yizewe kandi ahagije.