KCB

Amavu n'Amavuko ya KCB Bank Burundi

KCB Bank Burundi Limited, izwi cyane nka KCB Burundi, ni ishami rya KCB Group Limited, ikigo kinini cy'amabanki kiri mu Rwanda, Kenya, Uganda, Tanzania, na Sudani y'Epfo. Yatangije ibikorwa mu Burundi ku ya 8 Gicurasi 2012, nyuma yo guhabwa uruhusha n'Ikigo kigenzura amabanki mu Burundi (Banki Nkuru y'u Burundi) ku ya 18 Mata 2012.

Iki kigo gifite intego yo gutanga serivisi z'amabanki zinyuranye ku bantu ku giti cyabo, ku bigo bito n'ibiciriritse (SME), no ku bigo binini. KCB Burundi yibanda ku baturage bo mu mijyi no hafi yayo, abacuruzi bafite ibigo bito n'ibiciriritse, ndetse n'Abanyaburundi baba mu mahanga bashaka kohereza cyangwa kwakira amafaranga.

KCB Burundi iyobowe n'abagore babiri bafite ubunararibonye mu rwego rw'amabanki: Madamu Catherine Kola, uhagarariye Inama y'Ubuyobozi, na Madamu Gloria Nyambok, umuyobozi mukuru. Imikorere yabo igengwa n'Inama y'Ubuyobozi ya KCB Group i Nairobi.

Ubukozi bw'Inguzanyo n'Amasezerano

KCB Burundi itanga ubwoko butandukanye bw'inguzanyo buhuza ibyifuzo by'abakiriya bayo. Ni ngombwa kumenya ko amakuru ajyanye n'inyungu, amafaranga y'agaciro, ndetse n'igihe cyo kwishyuriraho, ari amakuru atemewe n'abaturage, kandi agomba kwemezwa neza mbere yo kuyashingiraho.

Amoko y'Inguzanyo

• Inguzanyo zishingiye ku ngwate: Izi ni inguzanyo zihabwa abantu ku giti cyabo cyangwa ibigo bishingiye ku ngwate, nk'inzu, imodoka, cyangwa ibikoresho.
  • Amafaranga atangwa: Hagati ya BIF 1,000,000 na BIF 200,000,000 (ahwanye na hafi USD 500 na USD 100,000).
  • Igihe cyo kwishyura: Kuva ku mezi 6 kugeza ku myaka 10.
• Inguzanyo zitishingiye ku ngwate: Izi ni inguzanyo zihabwa abakozi bishyuza umushahara cyangwa inguzanyo zigenewe ibyifuzo by'umuntu ku giti cye. Ingwate iba ari umushahara cyangwa umwishingizi.
  • Amafaranga atangwa: Hagati ya BIF 200,000 na BIF 10,000,000 (ahwanye na hafi USD 100 na USD 5,000).
  • Igihe cyo kwishyura: Kuva ku mezi 3 kugeza ku myaka 3.
• Inguzanyo z'Ubucuruzi buciriritse n'ubuto (SME): Zigenewe gufasha abacuruzi bafite ibigo bito n'ibiciriritse, cyane abakora mu buhinzi n'ubucuruzi.
  • Amafaranga atangwa: Hagati ya BIF 5,000,000 na BIF 150,000,000 (ahwanye na hafi USD 2,500 na USD 75,000).
  • Igihe cyo kwishyura: Kuva ku mezi 6 kugeza ku myaka 5.
• Inguzanyo yo kugura inzu (Mortgage): Igenewe abifuza kugura cyangwa kubaka inzu yo guturamo.
  • Amafaranga atangwa: Hagati ya BIF 10,000,000 na BIF 300,000,000 (ahwanye na hafi USD 5,000 na USD 150,000).
  • Igihe cyo kwishyura: Kuva ku mwaka 1 kugeza ku myaka 25.

Imibare ya BIF yahinduwe mu madolari (USD) hakoreshejwe igipimo cya hafi cya USD 1 ~ BIF 2,000, ariko iyi ni imibare itemewe na KCB, kandi igomba kwemezwa.

Inyungu n'Amafaranga y'Agaciro (Bitaremezwa)

KCB Bank Burundi ntisobanura ku mugaragaro inyungu ndetse n'andi mafaranga y'agaciro asabwa ku nguzanyo zayo. Icyakora, dushingiye ku makuru atemewe, ibi bikurikira bishobora kuboneka:

• Amafaranga yo gutangiza inguzanyo (Origination Fee): Hagati ya 1.0% na 2.5% by'inguzanyo nyamukuru.
• Amafaranga yo gutunganya (Processing Fee): Hagati ya BIF 25,000 na BIF 50,000 (amafaranga adahinduka).
• Kerererwa kwishyura: 2% ku kwezi ku mafaranga atarishyurwa.
• Ingwate: Inzu, imodoka, ibikoresho, umushahara, cyangwa abishingizi.

Birakenewe kuvugana na KCB Bank Burundi kugira ngo wemezwe neza aya mafaranga n'inyungu kuko atari ku mugaragaro.

Uko Basaba Inguzanyo n'Ibisabwa

Gusaba inguzanyo muri KCB Bank Burundi biroroshye, bigakorwa mu nzira zitandukanye zihuye n'uburyo bw'ikoranabuhanga n'uburyo bwa gakondo.

Inzira zo Gusabiraho

• Amashami: KCB Bank Burundi ifite amashami abiri mu Bujumbura (Rohero 1; Komine Ntahangwa) aho ushobora kugana ukahabwa serivisi.
• Ikoranabuhanga: Ifite urubuga rwo gukoresha banki kuri interineti (internet banking portal). Iteganya kandi gutangiza porogaramu ya telefoni (mobile app) kuri iOS na Android mu gihe kizaza.
• Abahagarariye banki (Agency Banking): Ifite umuyoboro w'abahagarariye banki bemejwe batanga serivisi zo kubitsa no kubikuza amafaranga.

Ibisabwa mu Gusaba Inguzanyo (KYC & Onboarding)

Muri rusange, bisaba ibi bikurikira:

• Indangamuntu cyangwa pasiporo.
• Ikinyamakuru cyerekana aho uba (proof of address).
• Ikinyamakuru cyerekana inyungu winjiza (nk'impapuro z'umushahara cyangwa amashitingi ya banki).
• Kwemezwa mu maso (face-to-face verification) ku ishami cyangwa ku muhagarariye banki.

KCB ikoresha uburyo bwo gusesengura ingwate (credit scoring model) buhuza amakuru y'umukiriya, amateka y'uburyo yakoresheje banki, ndetse n'agaciro k'ingwate. Abakiriya bahabwa amanota y'ibyago (risk rating) kuva kuri 1 (ibyago bike) kugeza kuri 5 (ibyago byinshi), bikagendana n'inyungu asabwa.

Uko Amafaranga Atangwa n'Uko Yishyurwa

• Kwishyura amafaranga (Disbursement): Amafaranga atangwa mu mafaranga y'u Burundi binyuze mu kohereza kuri konti ya banki, kuri mobile money, cyangwa mu mafaranga kuri ishami/agent.
• Kugarura amafaranga (Recovery): Kwishyura bigakorwa binyuze mu kohereza amafaranga buri kwezi (standing orders), gukuraho amafaranga kuri mobile money, cyangwa gusura abakiriya batishyuye.

Ikoreshwa rya Porogaramu na Serivisi z'Ikoranabuhanga

Mu rwego rwo kwiyegereza abakiriya, KCB Bank Burundi irimo gushyira imbaraga mu bikoresho by'ikoranabuhanga.

Porogaramu ya Telefoni n'Urubuga rwa Interineti

• Porogaramu ya Telefoni: KCB irateganya gushyira ahagaragara porogaramu ya telefoni igurishirizwa kuri iOS na Android. Iyi porogaramu izafasha abakiriya kureba amafaranga bafite kuri konti, kohereza amafaranga, ndetse no gusaba inguzanyo.
• Urubuga rwa Interineti: Abakiriya bashobora gukoresha urubuga rwa interineti rwa KCB Bank Burundi (bi.kcbgroup.com) rwashyizwemo indimi nyinshi.

Ibitekerezo by'abakiriya ku mikoreshereze ya banki kuri interineti na porogaramu bigaragaza amanota ya 3.8/5 mu biganiro bya tekinoroji yo mu gihugu, nubwo aya manota na yo ataremezwa.

Uruhusha n'Ubugenzuzi

KCB Bank Burundi ifite uruhusha rw'ibikorwa by'amabanki rwatanzwe na Banki Nkuru y'u Burundi (Bank of the Republic of Burundi). Igenzurwa n'amategeko ajyanye no gucunga neza umutungo (Capital Adequacy), kurwanya iyozandonke n'iterabwoba (AML/CFT), ndetse n'amategeko agenga ikoreshwa ry'ikoranabuhanga mu kwishyura (NPS interoperability regulations). KCB kandi igomba gusobanura neza inyungu n'amafaranga asabwa abakiriya nk'uko amategeko ya Banki Nkuru y'u Burundi abiteganya. Kugeza ubu, ntiharatangazwa ibihano byahawe KCB Bank Burundi.

Umwanya wa KCB mu Isoko n'Inama ku Basabana Inguzanyo

KCB Bank Burundi ikorera mu isoko ririmo guhangana n'izindi banki zikomeye mu Burundi.

Kugereranya n'Abanywanyi

Mu banki zihanganye na KCB mu Burundi harimo BCB, Ecobank Burundi, Banque de Credit de Bujumbura, na Interbank Burundi. KCB itandukanira ku:

• Umuhanda mpuzamahanga wo kohereza amafaranga mu karere.
• Izina rikomeye rya banki yabyaye (KCB Group).
• Ubwaguke bw'abahagarariye banki (agency banking network).

KCB ifite umwanya ungana na 5% by'inguzanyo zose zitangwa mu Burundi (ibyo ni ibigereranyo byo mu 2015), kandi ifite abakiriya barenga 10,000. Abakiriya bayo benshi ni abakozi ba leta bahembwa, abacuruzi bato, ndetse n'Abanyaburundi baba mu mahanga bafite konti muri KCB.

KCB irateganya kwagura umuyoboro w'abahagarariye banki bayo kugeza kuri 50+ mu 2026, kandi irashaka gukorana n'ibigo by'itumanaho byo mu gihugu mu bijyanye na mobile money ndetse n'ibigo byohereza amafaranga mu mahanga.

Ibitekerezo by'Abakiriya n'Aho KCB Igeze

Muri rusange, serivisi zitangwa mu mashami ya KCB zifatwa nk'iza ngirakamaro, nubwo hari abavuga ko guhabwa inguzanyo bishobora gutinda rimwe na rimwe. Ibirego byakunze kugaragara birimo ibyerekeye impapuro zisabwa (documentation) zifatwa nk'izihangayikishije, ndetse n'ibibazo by'imiyoboro kuri interineti rimwe na rimwe.

KCB igira n'inkuru z'ingenzi zigaragaza imikorere myiza, nko gufasha umucuruzi w'ubuhinzi muto mu Gitega guhabwa inguzanyo y'imari shingiro, bikamufasha gukuba kabiri inyungu yinjiza mu mezi 12 (amakuru ataremezwa yo mu 2023).

Inama z'Ingirakamaro ku Bashaka Inguzanyo

Mbere yo gufata inguzanyo muri KCB Bank Burundi, cyangwa ahandi hose, ni ngombwa gukurikiza inama z'ingirakamaro kugira ngo ufate icyemezo cyiza:

• Emeza amakuru y'ingenzi: Kubera ko inyungu n'amafaranga asabwa bitari ku mugaragaro, ni ngombwa ko ubaza KCB Bank Burundi ibi byose mbere yo gusaba inguzanyo.
• Soma neza amasezerano: Menya neza amategeko n'amasezerano yose agenga inguzanyo, harimo n'ibihe byo kwishyura, ndetse n'ibihano byo gutinda kwishyura.
• Tegura impapuro: Menya impapuro zose zisabwa mbere yo kujya gusaba inguzanyo kugira ngo wirinde gutinda cyangwa ibibazo.
• Gereranya na bandi: Reba n'izindi banki zikora mu Burundi kugira ngo umenye neza aho ushobora kubona inguzanyo nziza ikwiye ibyifuzo byawe.
• Tekereza ku buryo bw'ikoranabuhanga: Niba ukunda gukoresha porogaramu za telefoni, uzamenye neza ko porogaramu ya KCB igiye gutangira izagufasha mu byo ukeneye.

KCB Bank Burundi ni umufatanyabikorwa ukomeye mu rwego rw'amabanki mu Burundi, kandi irashaka kwagura ibikorwa byayo. Gusobanukirwa neza serivisi zayo, imiterere y'inguzanyo, ndetse n'ibigenderwaho, bizagufasha gufata icyemezo cyiza cyo kwiyungura mu mikorere yayo.