Finbank

Igitangiriro na Amateka ya FinBank mu Burundi

FinBank S.A. ni ikigo cy'imari gikomeye mu Burundi, cyatangijwe mu mwaka wa 2001 ku izina rya Finalease, kikaba cyari ikigo gitanga inguzanyo zo gukodesha ibintu (leasing finance company). Mu mwaka wa 2003, cyahawe urushushondanga rwo gukora nka banki y'ubucuruzi, maze gihindura izina kiba FinBank S.A.

Hagati ya 2008 na 2014, FinBank yari iy'ikigo Access Bank Plc cyo muri Nijeriya. Kuva mu 2014 kugeza ubu, ishami ryayo ryatejwe Dillux S.A., ikigo gifite icyicaro muri Mauritius. FinBank yibanda ku gutanga serivisi z'imari zitandukanye zigenewe abantu ku giti cyabo, ibigo bito n'ibiciriritse (SMEs), ndetse n'amasosiyete manini. Ikoresha uburyo bwa kera bwo gutanga serivisi binyuze ku mashami yayo, ariko kandi yitegura gukoresha bikomeye ikoranabuhanga rya none.

Ubwoko bw'Inguzanyo na Serivisi za FinBank

FinBank itanga ubwoko butandukanye bw'inguzanyo bugenewe guhuza n'ibikenewe n'abakiriya bayo batandukanye. Nubwo imibare y'inyungu n'amafaranga y'ikiguzi itatangajwe mu buryo bweruye ku rubuga rwa banki, amakuru adashinjwe neza avuga ko ari nk'aya akurikira mu karere:

1. Inguzanyo z'Abantu ku Giti Cyabo

• Amafaranga Fatizo: Inguzanyo ntoya ishobora kuba nk'amafaranga 100.000 y'amarundi, naho iy'ikirenga ikaba nk'amafaranga 10.000.000 y'amarundi.
• Inyungu: Hagati ya 18% na 24% ku mwaka (APR ishobora kugera kuri 20% kugeza 28%).
• Igihe cyo Kwishyura: Kuva ku mezi 6 kugeza ku mezi 24.
• Amafaranga y'Ikiguzi: Amafaranga yo gutangiza inguzanyo (origination fee) ashobora kuba hagati ya 1.0% na 2.0% by'inguzanyo. Ku bekerereje kwishyura, habaho igihano cya 2% buri kwezi.

2. Inguzanyo z'Ibigo Bito n'Ibiciriritse (SMEs)

• Amafaranga Fatizo: Inguzanyo ntoya nk'amafaranga 500.000 y'amarundi, naho iy'ikirenga ikaba nk'amafaranga 50.000.000 y'amarundi.
• Inyungu: Hagati ya 15% na 20% ku mwaka (APR ishobora kugera kuri 17% kugeza 23%).
• Igihe cyo Kwishyura: Kuva ku mezi 12 kugeza ku mezi 36.
• Amafaranga y'Ikiguzi: Amafaranga yo gutangiza inguzanyo ashobora kuba hagati ya 1.5% na 3.0% by'inguzanyo, kandi habaho amafaranga y'ikiguzi yo gutunganya dosiye (processing fee) ashobora kuba amafaranga 10.000 y'amarundi.

3. Inguzanyo z'Ubuhinzi (Amakuru adashinjwe neza)

• Inguzanyo z'igihe cy'ihinga (seasonal terms), zishobora kwishyurwa mu mezi 3 kugeza 12.
• Inguza: Ibigori, ibishingo byo mu bubiko (warehouse receipts).

Inguza n'Abishingizi: Banki isaba inguzanyo zitandukanye bitewe n'ubwoko bw'inguzanyo. Ku bakozi bahembwa, bahabwa inguzanyo bashingiye ku mushahara wabo. Ku bigo bito n'ibiciriritse, bashobora gusabwa gutanga inguzanyo z'ibicuruzwa byabo, imyenda bakwa, cyangwa abashingizi. Inguzanyo z'inzu n'ubutaka (mortgage) zitangwa gake.

Uburyo bwo Gusaba Inguzanyo na Porogaramu ya Telefone

1. Uburyo bwo Gusaba Inguzanyo n'Ibisabwa

Uburyo bwo gusaba inguzanyo muri FinBank bukurikira amategeko rusange agenga banki zo mu Burundi. Ibisabwa birimo:

• Indangamuntu cyangwa pasiporo.
• Icyemeza aho utuye (proof of address).
• Nimero y'umusoresha (TIN), cyane cyane ku bigo n'abacuruzi.
• Ku bigo bito n'ibiciriritse, bisabwa kuzana inyandiko z'imari zabo.
• Kuganira n'abakozi ba banki ku ishami ni ngombwa kugira ngo barambure ibijyanye n'icyifuzo cy'inguzanyo.

Uburyo bwo Gusuzuma Ubushobozi bwo Kwishyura: FinBank ikoresha uburyo bwayo bwihariye bwo gusuzuma ubushobozi bwo kwishyura, bushingiye ku byinjira by'umuntu cyangwa ikigo, isesengura ry'amafaranga yinjira n'asohoka (cash flow analysis) ku bigo, ndetse n'uko umwishingizi ameze. Ntibakoresha cyane amakuru yo muri biro ishinzwe inguzanyo kuko atarakoreshwa hose mu Burundi.

Uburyo bwo Gutanga Inguzanyo: Iyo inguzanyo yemejwe, amafaranga ashobora gutangwa mu buryo butandukanye: kuyashyira kuri konti ya FinBank, kuyohereza kuri konti ya mobile money (nka Lumitel cyangwa Econet), cyangwa kuyahabwa mu buryo bw'amafaranga (cash) ku ishami.

2. Porogaramu ya Telefone (Mobile App) n'Uburyo Umukoresha Ayikoresha

Kugeza ubu, urubuga rwa FinBank rwa interineti rutanga amakuru rusange gusa kandi ntirushobora kwemerera abantu gusaba inguzanyo kuri interineti. Ariko rero, FinBank iri mu nzira yo guteza imbere porogaramu yayo ya telefone (mobile app) izakoreshwa kuri iOS na Android. Biteganijwe ko iyi porogaramu izatangira gukora mu gihe cy'igihembwe cya kane cya 2025 (Q4 2025).

Iyi porogaramu biteganijwe ko izazamura uburyo abakiriya babona serivisi za banki, iborohereza gukora ibi bikurikira:

• Kugenzura konti zabo.
• Kwishyura fagitire.
• Kwohereza no kwakira amafaranga.
• Kureba amakuru y'inguzanyo zabo.
• Kuba byanaborohera gusaba inguzanyo nto zikoresheje telefone.

Kuri ubu, serivisi z'ikoranabuhanga zishingiye ku kigo cyakira abahamagara (call center) kuri nimero 170 (ku bakoresha Lumitel) cyangwa +257 76170170.

Itegeko Rigenga, Amashami na Umwanya mu Isoko

1. Itegeko Rigenga n'Uburenganzira

FinBank S.A. ifite urushushondanga rwatanzwe na Banki Nkuru y'Uburundi (BRB), ikaba ariyo iyigenga. Kandi ni umunyamuryango w'Ikigega cy'Ubuhumbikiro bw'Amafaranga mu Burundi (Deposit Guarantee Fund of Burundi), bivuze ko amafaranga y'abakiriya abitswa muri FinBank arinzwe n'iki kigega kugeza ku rugero runaka.

Nta makuru ahari agaragaza ko FinBank yigeze ihanwa cyangwa ngo ihagarikwe imirimo yayo na BRB, ibyo bigaragaza ko yubahiriza amategeko agenga ibigo by'imari mu Burundi. Banki kandi itanga amakuru arambuye ku bijyanye n'inyungu n'amafaranga y'ikiguzi nk'uko amategeko ya BRB abisaba, kandi ifite uburyo bwo kwakira no gukemura ibibazo by'abakiriya binyuze ku kigo cyakira abahamagara cyangwa umugenzuzi w'ibibazo by'abaturage (ombudsman).

2. Amashami na Uko Igihugu Cyose Kigerwaho

FinBank ifite amashami ane (4): icyicaro gikuru kiri i Bujumbura, irindi ishami ry'i Asiatique, iryo ku muhanda wa Tokyo, n'irindi riri mu Gitega. Amashami yayo yibanda cyane cyane i Bujumbura, ariko hari gahunda yo kongera amashami mu bindi bice by'igihugu mu myaka ibiri iri imbere, kugira ngo igere ku bakiriya benshi.

FinBank igira abakiriya babarirwa ku 20.000 bakora na yo, muri bo 60% ni abantu ku giti cyabo naho 40% ni ibigo bito n'ibiciriritse. Banki yishimira imikoranire n'ibigo by'itumanaho, nka Lumitel, mu rwego rwo korohereza abakiriya gukoresha mobile money. Ikorana kandi n'ibigo mpuzamahanga nk'Ikigega mpuzamahanga cy'Amafaranga (World Bank) mu gutera inkunga ibikorwa bimwe na bimwe.

3. Umwanya mu Isoko n'Abanywanyi

Mu rwego rwo gushaka inguzanyo mu Burundi, FinBank ihanganye na banki nka Bank of Kigali Burundi, Ecobank Burundi, na BCDC. Iyo FinBank yigereranijwe n'izo banki, irangwa n'uko yibanda cyane ku guha serivisi ibigo bito n'ibiciriritse, ndetse na gahunda yayo yo gukoresha cyane ikoranabuhanga rya telefone.

Biteganijwe ko ifite hafi 5% by'inguzanyo zose zitangwa mu gihugu, kandi igaragaza izamuka rya 10 kugeza 15% buri mwaka mu myaka itatu ishize. Iki kigaragaza ko iri ku nzira nziza yo kwagura umwanya wayo mu isoko.

Ibitekerezo by'Abakiriya n'Inama ku Basaba Inguzanyo

1. Ibitekerezo by'Abakiriya

Ku rubuga rwa Google Maps, FinBank ifite amanota 3.8 kuri 5, biturutse ku bitekerezo 30 by'abakiriya. Abakiriya benshi bashima ubugwaneza bw'abakozi bayo ndetse n'uburyo bwihuse bwo gutunganya inguzanyo z'ibigo bito n'ibiciriritse. Icyakora, hari abagaragaza impungenge ku bijyanye n'uko nta buryo bwo gusaba inguzanyo kuri interineti (online application) ndetse n'inguzanyo nyinshi zisabwa ku nguzanyo nto.

Serivisi z'abakiriya zitangwa mu ndimi zinyuranye (Ikirundi n'Igifaransa) binyuze ku kigo cyakira abahamagara kiba gifunguye kuva saa mbiri za mu gitondo (8 AM) kugeza saa kumi n'imwe z'umugoroba (5 PM) mu minsi y'akazi.

2. Inama Ngirakamaro ku Bashaka Inguzanyo

Ku bantu bashaka gusaba inguzanyo muri FinBank cyangwa mu zindi banki mu Burundi, dore inama zimwe na zimwe zishobora kubafasha:

• Kwitegura Neza Inyandiko: Banza utegure neza indangamuntu, icyemeza aho utuye, nimero y'umusoresha, n'izindi nyandiko z'imari zisabwa, cyane cyane ku bigo bito n'ibiciriritse. Kuzana inyandiko zose zitunganye bituma dosiye itunganwa vuba.
• Kumenya Inyungu n'Amafaranga y'Ikiguzi: Kubera ko imibare y'inyungu n'amafaranga y'ikiguzi yatanzwe muri iyi nyandiko ari iy'amakuru adashinjwe neza, ni ngombwa kujya ku ishami rya FinBank ukabaza neza imibare nyayo igenewe inguzanyo ushaka. Ibi bizagufasha kwirinda gutungurwa n'inyungu cyangwa ibihano.
• Gushaka Umwishingizi Ukomeye: Niba ukeneye umwishingizi, ushake umuntu ufite ubushobozi bwo kwishyura no kwizewe. Ibi bishobora gutuma dosiye yawe yemerwa vuba.
• Gusuzuma izindi Banki: Mbere yo gufata icyemezo, gerageza gusura izindi banki zihanganye na FinBank nka Bank of Kigali Burundi cyangwa Ecobank Burundi, usabe amakuru ku nguzanyo batanga. Kugereranya inyungu n'ibisabwa bishobora kukwigarurira inguzanyo ikwiriye neza.
• Kugira Ubushobozi bwo Kwishyura: Banki zireba cyane ubushobozi bwawe bwo kwishyura inguzanyo. Fata inguzanyo ushoboye kwishyura nta kibazo, kandi wizere ko ufite gahunda yizewe y'uko uzayishyura.
• Koresha Neza Serivisi z'Amashami: Kugeza ubu, amashami ya FinBank na call center yayo niyo nzira nyamukuru yo kumenya amakuru arambuye no gutanga dosiye. Bwira abakozi ba banki neza icyo ukeneye kugira ngo bagufashe neza.

Muri rusange, FinBank S.A. ni ikigo cy'imari gikomeye gifite amateka maremare mu Burundi. Hamwe na gahunda zacyo zo gukoresha ikoranabuhanga, biteganijwe ko kizakomeza gutanga serivisi nziza z'imari ku Banyaburundi.