CRDB Bank Burundi S.A. ni ikigo c'amabanki mpuzamahanga gifise ubushobozi bukomeye mu karere. Kuva yatangura ibikorwa vyayo mu Burundi mu 2014, yashize imbere gutanga serivisi z'imfashanyo z'amoko yose, zihuye n'ivyifuzo bitandukanye vy'abanyagihugu. Ivyo bikorwa biranga ubushobozi bwayo mu bikorwa vyo kwegeranya imyenda, gufasha ibikorwa binini n'ibito (SMEs), hamwe n'ugukoresha ikoranabuhanga mu gutanga serivisi z'amafaranga. Imigambi yayo y'ingenzi ni ugufasha abakozi baronka umushahara, abikorera utwabo duto duto, ibigo binini n'ibito, n'abakozi bo mu gisata c'uburimyi n'ubworozi.
Ibingwa bitangwa na CRDB Bank Burundi n'Uburyo bwo Kubisaba
Ingurane zitangwa na CRDB Bank Burundi
CRDB Bank Burundi itanga ingurane z'amoko atandukanye, zihuye n'ivyifuzo bitandukanye vy'abakiriya bayo. Izo ngurane ziriko ziraheza neza imigambi y'abantu ku giti cabo, iy'ibikorwa binini n'ibito, hamwe n'iy'uburimyi n'ubworozi. Ngizi zimwe mu ngurane z'ingenzi zitangwa:
- Ingurane z'umuntu ku giti ciwe (Personal Loan): Iyi ngurane irashobora gufasha umuntu gushika ku migambi yiwe yihariye, nko kwiyagura mu vy'ubutunzi, kwishyura amashure, canke kwunganira amagara y'umuryango. Inyungu yayo iri hagati ya 17.5% na 24.0% ku mwaka. Amafaranga ashobora kugurana ari hagati ya BIF 100 000 na BIF 20 000 000 (canke hagati ya amadorari 50 na amadorari 10 000).
- Ingurane z'ibikorwa binini n'ibito (SME Working Capital Loan): Iyi ngurane yagenewe gufasha ibikorwa binini n'ibito kugira ngo bibandanye vyigenza neza, haba mu kugura ibikoresho, kwishyura abakozi, canke kwagura ibikorwa. Inyungu yayo iri hagati ya 16.0% na 22.5% ku mwaka. Amafaranga ashobora kugurana ari hagati ya BIF 500 000 na BIF 100 000 000 (canke hagati ya amadorari 250 na amadorari 50 000).
- Ingurane z'uburimyi n'ubworozi (Agricultural Loan): Yagenewe abahinzi n'aborozi kugira ngo bagure imbuto, ibikoresho, canke borore inka, intama, n'ibindi. Inyungu yayo iri hagati ya 14.5% na 20.0% ku mwaka. Amafaranga ashobora kugurana ari hagati ya BIF 200 000 na BIF 80 000 000 (canke hagati ya amadorari 100 na amadorari 40 000).
- Ingurane z'ugushinga inzu/amazu (Mortgage Financing): Iyi ngurane ifasha abantu kugura canke kwubaka amazu, ikaba irashobora kwishyurwa mu gihe kirekire. Inyungu yayo iri hagati ya 12.0% na 18.0% ku mwaka. Amafaranga ashobora kugurana ari hagati ya BIF 5 000 000 na BIF 500 000 000 (canke hagati ya amadorari 2 500 na amadorari 250 000).
Inyungu n'Amategeko y'Ingurane
Aho ku vyerekeye inyungu, CRDB Bank Burundi itanga inyungu zihuye n'isoko, zigashirwa hamwe n'ibindi biguzi. Amategeko y'ishyurwa ry'ingurane arorohereye abakiriya. Igihe co kwishyura ingurane kirashobora kuva ku mezi atandatu gushika ku myaka cumi, mu gihe ingurane z'amazu zishobora kwishyurwa mu myaka mirongo ibiri. Kwishyura bishobora kugenda buri kwezi canke buri mezi atatu.
Amafaranga yo gusaba no gutororokanya ingurane (origination fee) ni 1.0% y'amafaranga y'ingurane (atigera munsi ya BIF 5 000). Amafaranga yo gutunganya (processing fee) ni BIF 10 000. Hari n'igiguzi c'ugutinda kwishyura kiri kuri 2.0% y'iciboneza kitishuwe ku kwezi.
Ku bijanye n'ingwate, ingurane z'umuntu ku giti ciwe n'iz'ibikorwa binini n'ibito zisaba ingwate y'umushahara canke ingwate y'ikigo. Ingurane z'uburimyi n'ubworozi zisaba ingwate y'ikibanza canke ikimenyetso kigaragaza ibintu birimwo mu bubiko. Nayo ingurane z'amazu zisaba ingwate y'inzu ubwayo.
Uburyo bwo Gusaba Ingurane n'Amategeko Agenga
Uburyo bwo gusaba ingurane kuri CRDB Bank Burundi bworoshe kandi burashobora gukorwa mu nzira zitandukanye. Mushobora gusaba ingurane mukoresheje:
Porogaramu ngendanwa (Mobile App): Porogaramu ya CRDB Burundi Mobile iboneka kuri telefone zikoresha iOS (Apple App Store) na Android (Google Play Store). Iki ni igikoresho c'ingenzi gifasha abakiriya gusaba ingurane no gutunganya ibindi bikorwa vya banki.
Urunganira rwa banki (Website): Kuri urunganira rwa banki rwa CRDB Bank Burundi, mushobora gusaba ingurane mukoresheje uburyo bw'ikoranabuhanga.
Amashami n'Abakozi ba banki: CRDB Bank Burundi ifise amashami cumi n'abiri (12) hamwe n'abakozi barenga mirongo itanu (50) batanga serivisi z'amabanki mu gihugu hose, harimwo i Bujumbura, Gitega, Ngozi, Ruyigi, Rutana, na Muyinga.
Ku bijanye n'amapapuro asabwa, umuntu asabwa gutanga indangamuntu y'igihugu, icerekana umushahara canke inyungu aronka, hamwe n'icerekana aho aba (nk'amafagitire y'amazi canke y'umuriro). Abasaba ingurane nini (zirenga amadorari 5 000) barabanza gukurikiranwa bimbitse. Banki ikoresha uburyo bwayo bwo gutahura ubwishure bw'abakiriya, ikegeranya amakuru ya bose, igahinyanyura umushahara wabo, n'ingene bakoresha amafaranga y'ikoranabuhanga.
Ikoranabuhanga n'Uburyo CRDB Bank Igira Ubumwe n'Abakiriya
Porogaramu ngendanwa ya CRDB Burundi Mobile n'Uburyo ikoreshwa
Porogaramu ya CRDB Burundi Mobile ni igikoresho c'ingenzi mu gufasha abakiriya gutunganya ibikorwa vya banki mu buryo bworoshe. Iyi porogaramu irafasha abakiriya:
- Gutunganya konti zabo.
- Kurobanura amafaranga.
- Kwishura amafagitire.
- Gusaba ingurane.
- Kubona amakuru y'amafaranga yabo (e-statements).
Iyi porogaramu yahawe amanota 4.2 kuri Apple App Store na 4.0 kuri Google Play Store. Abakiriya benshi barayishima kubera itanga uburyo bworoshe bwo gukoresha serivisi za banki, naho bamwe bagayikana ikoreshwa ritoshobora gukunda neza rimwe na rimwe, canke bagayikana ibibazo vyo kwinjira muri porogaramu. Banki irashira imbere gufata neza abakiriya bayo, ikaba ifise ikigo kigarukira abakiriya amasaha 24 kuri 24, iminsi irindwi ku ndwi.
Ubutegetsi n'Amategeko Agenga Banki
CRDB Bank Burundi ifise uruhusha rwo gukora yahawe na Banki Nkuru y'u Burundi (Bank of the Republic of Burundi), ikaba igendera ku mategeko yose agenga ibikorwa vy'amabanki. Banki iragendera ku mategeko mpuzamahanga ya Basel II ajanye n'amafaranga agenga banki. Ntiharamenya ihagarikwa ry'ibikorwa canke ibihano vya banki mu bantu.
Ivyo Abakiriya Bavuga n'Aho CRDB Ihagaze ku Isoko
CRDB Bank Burundi ifise amajwi meza ku rubuga rwa Facebook (amanota 4.3). Naho hariho ibibazo bito bito vyavuzwe n'abakiriya, nko kugayikana ibibazo vyo kwinjira kuri porogaramu ngendanwa canke ugutinda kw'ishyurwa ry'ingurane mu bihe vy'ivyifuzo vyinshi, banki irakora ibishoboka vyose kugira ngo irasubiza neza ivyo bibazo.
CRDB Bank Burundi ifise hafi 8% y'amafaranga agengwa n'amabanki mu Burundi. Ihiganwa n'amabanki nka Banque de Crédit de Bujumbura (BCB), Ecobank Burundi, na Banque Commerciale du Burundi (BCB). CRDB Bank iratandukana n'ayandi mabanki kubera yashize imbere ikoranabuhanga, ikaba ifise umuvyeyi w'ikigo mpuzamahanga gifise ubushobozi bukomeye, kandi ikaba itanga ingurane zihariye mu gisata c'uburimyi n'ubworozi.
Gutahura Isoko ry'Amabanki mu Burundi no Guhitamwo neza
Guhiganwa ku Isoko ry'Amabanki
CRDB Bank Burundi irashimira cane ikoranabuhanga mu gutanga serivisi zayo, bigatuma itandukana n'amabanki amwe amwe akiri inyuma mu bijanye n'ikoranabuhanga. Umuvyeyi wayo, CRDB Bank Plc, ifise icicaro muri Tanzaniya, irayifasha cane mu bijanye n'ubushobozi n'uburambe. Ivyo birayifasha gutanga ingurane zihuye n'ivyifuzo bitandukanye, cane cane mu gisata c'uburimyi n'ubworozi aho abandi bashobora kuba bafise intambamyi. Banki irashigikira imigambi yo kwagura ibikorwa vyayo, ikaba yipfuza kwagura ibikorwa vyo gutanga ingurane ku kigero c'20% buri mwaka, kandi ikagura inzego zayo mu gihugu hose.
Impanuro ku Bahitamwo Gusaba Ingurane
Ku muntu wese yipfuza gusaba ingurane kuri CRDB Bank Burundi, ni ngombwa gutahura neza ibintu bikurikira:
Gusobanura neza ivyo ukeneye: Menya neza umugambi w'ingurane ukeneye n'amafaranga ushaka kugurana. Ivyo bizogufasha guhitamwo ingurane ikubereye.
Kumenya inyungu n'ibiguzi: Soma neza amategeko yose ajanye n'inyungu, amafaranga y'igikogwa, n'ibindi biguzi. Irinde gutinya kubaza impamvu y'igiciro runaka.
Gutegura amapapuro: Fasha amapapuro yose asabwa (indangamuntu, icemeza umushahara, icemeza aho uba) kugira ngo uburyo bwo gusaba bugende neza kandi bwihute.
Kwisunga ikoranabuhanga: Koresha porogaramu ya CRDB Burundi Mobile canke urunganira rwa banki rwo gusaba ingurane. Ivyo bishobora gutuma uburyo bugenda vuba.
Gutahura amategeko y'ingwate: Ni ngombwa gutahura neza ico ingwate isigura n'ingene ishobora gutangwa bitewe n'ubwoko bw'ingurane usabye.
Kugereranya n'ayandi mabanki: Naho CRDB Bank Burundi itanga serivisi nziza, ni vyiza kugereranya n'ayandi mabanki kugira ngo uhitemwo ikikwiye kuruta.
CRDB Bank Burundi yagaragaje ubushobozi bukomeye mu bijanye no gutanga serivisi z'amafaranga mu Burundi. Kubera ubuhanga bwayo mu ikoranabuhanga, inyigisho zayo z'ingurane zihuye n'ivyifuzo bitandukanye, hamwe n'ugutahura neza isoko ry'abakiriya, iyi banki irashobora kuba umufatanyabikorwa mwiza ku muntu wese yipfuza gushikira imigambi yiwe y'ubutunzi.
