Lumitel S.A.

Igitabo gito ku Isosiyete ya Lumitel S.A. n'Amateka yayo mu Burundi

Isosiyete ya Lumitel S.A. (yitwa kandi Viettel Burundi S.A.) ni iyoboye mu gutumatumanako no mu gutanga serivisi z'amafaranga biciye kuri terefone mu Burundi. Yatanguye gukora mu kwezi kwa Gatanu, mu mwaka wa 2015, Lumitel yihuta cane ifata abakiriya barenga 50% mu banywanyi b'ibikorwa vyo gutumatumanako, kandi ubu ikaba ifise hafi igice c'isoko ry'amafaranga yo kuri terefone mu gihugu. Iyi sosiyete, ikomoka muri Viettel Global JSC yo muri Vietnam, yibanze ku gufasha abatari bashikira serivisi z'amabanki hamwe n'abafise serivisi nkeya z'amabanki, yongera ifasha n'abafise utuntu n'utundi (SMEs) n'ababa mu misozi.

Ibicuruzwa vyayo bijanye n'amafaranga bigize uburyo bw'ikoranabuhanga bukoresha porogaramu zidasanzwe (super-app), serivisi za USSD, ukuza kw'igihe co kuvugana (airtime credit), kwishura imyenda, kwishura abacuruzi, kohereza amafaranga, n'ibijanye n'imiriyoni (lottery). Naho Lumitel S.A. yiyoboreye mu bijanye no guhanahana amafaranga, nta kimenyetso na kimwe cashizwe ku mugaragaro cerekana ko itanga ingurane zisanzwe z'amafaranga (nk'iz'abantu ku giti cabo canke iz'amashirahamwe). Ibikorwa vyayo bijanye n'ingurane biragarukira ku kuza kw'igihe co kuvugana gusa.

Serivisi z'Amafaranga n'Ibicuruzwa bitangwa na Lumitel S.A.

Lumitel S.A. itanga serivisi nyinshi zo kuri terefone zifasha abantu mu buzima bwabo bwa minsi yose. Zimwe muri izo serivisi ni izi zikurikira:

• Amafaranga yo kuri Terefone (Lumicash/LumiPAY): Iyi ni serivisi nyamukuru ya Lumitel mu bijanye n'amafaranga. Ikoresha code ya USSD (*163#) canke porogaramu za BePAY/LumiPAY kuri Android na iOS. Abakoresha bashobora kubitsa, gukura, kohereza amafaranga hagati yabo, kwishura abacuruzi, kuzuza amafaranga yo kuvugana canke internet, kwishura imyenda, n'ugukoresha uburyo bwo kwishura bwa QR. Lumitel ifise ibibanza birenga 25,000 bigaburira abakiriya bayo, kandi yari ifise abakoresha Lumicash barenga 320,000 mu mpera z'umwaka wa 2018.
• Ukuza kw'Igihe co Kuvugana (Akadeni): Iyi ni yo serivisi ya Lumitel igaragara nk'ingurane. Ifasha abanywanyi ba prepaid kugurana igihe co kuvugana (iyo amafaranga yo kuvugana ari munsi ya 50 FBU). Ayo mafranga yishurwa umuntu nasubizaho amafaranga yo kuvugana. Iyi serivisi ntisaba gufatisha icemezo (collateral).
• Imiriyoni (Lumiloto): Iyi serivisi yemerewe mu Kigarama 2020, itangura gukora muri Mukakaro 2021. Naho itari ingurane, igira uruhara mu kwagura ibikorwa vya Lumitel mu bijanye n'amafaranga y'ikoranabuhanga.
• Ingurane z'Amafaranga (Cash Loans): Nk'uko twabivuze haruguru, nta kimenyetso na kimwe cerekana ko Lumitel S.A. itanga ingurane zisanzwe z'amafaranga (personal or business loans) mu mafranga y'igihugu canke amadolari y'Amerika. Serivisi zayo zijanye n'amafaranga zibanze ku kuza kw'igihe co kuvugana no ku buhanahana bw'amafaranga biciye kuri terefone, ntabwo ari ingurane zishurwa mu bice (installment loans).

Ibiciro, Amafaranga yishurwa, n'Amasezerano

Ku bijanye n'ibiciro n'amafaranga yishurwa, Lumitel S.A. iragerageza gutanga imicungire irorereye ku bakiriya bayo:

• Kuri Akadeni: Ntihishurwa inyungu ku kuza kw'igihe co kuvugana. Ni ukuza gusa k'igihe co kuvugana kishurwa umuntu nasubizaho amafaranga. Nta yandi mafaranga yishurwa ku ruhande.
• Kuri Lumicash: Hariho amafaranga yishurwa ku bikorwa bimwe bimwe nko kohereza amafaranga, gukura amafaranga. Aya mafaranga agaragara neza mu gukoresha uburyo bwa USSD (*163#) canke muri porogaramu ya Lumicash/BePAY. Abakoresha barashobora kwisigurirwa neza ibijanye n'ibiciro bishirwaho imbere yuko bakora igikorwa.

Uburyo bwo Gusaba n'Ibisabwa

Kugira umuntu atangure gukoresha serivisi za Lumitel, uburyo buroroshe kandi burashikira benshi:

• Kugira Konti ya Lumicash: Ibisabwa nyamukuru ni indangamuntu y'igihugu. Ku mpunzi zaba zigarutse mu gihugu, ibicapo vy'umushikiranganji w'indongozi (UNHCR-issued temporary certificates) birakira, bivuye ku mpanuro za Banki Nkuru. Kwiyandikisha bikorwa ku mukozi w'isosiyete wa Lumitel (agent) ahantu hose. Gusaba gukira bikorwa biciye muri USSD canke muri porogaramu, hakoreshejwe PIN hamwe na OTP (One-Time Password) kuri buri gikorwa.
• Kugurana Igihe co Kuvugana (Akadeni): Iyi serivisi ntisaba kuyisaba ku mugaragaro. Itangwa ku banywanyi ba prepaid, bivanye n'amateka yo gusubizaho amafaranga yo kuvugana ku SIM kadi.

Ibikorwa vyose birashobora gukorwa biciye muri code ya USSD (*163#) ku mafone asanzwe (feature phones), canke biciye muri porogaramu za BePAY (Android/iOS) na My Lumitel ku mafone agezweho (smartphones). Hariho kandi n'inengo nini y'abakozi ba Lumitel (ama outlets arenga 25,000) mu gihugu hose bashobora gufasha abakiriya.

Porogaramu zo Kuri Terefone n'Uburyo Umukoresha Abibona

Lumitel yashizeho porogaramu nyinshi zifasha abakiriya bayo gukoresha serivisi zayo neza:

• BePAY/LumiPAY: Izi porogaramu zirashoboka kuri Android na iOS. Zifasha abakoresha kohereza amafaranga, gukura amafaranga, kwishura abacuruzi bakoresheje QR, kwishura imyenda, n'ugukoresha ibijanye n'amakampanyi (promotions). Ku masoko ya porogaramu, zifise amanota hagati ya 3.6 na 4.0 ku manota 5. Abakoresha benshi barashimira umutekano wazo n'ubworoherane, naho hari abavuga ingorane z'igihe gito zihagarika ibikorwa canke bigasaba gusubira kwinjira.
• My Lumitel Super-App: Iyi porogaramu nini iratangira ibikorwa vyinshi, harimwo kuvugana, kwidagadura, gukoresha imbuga ngurukanabumenyi, kwifasha (self-care), n'ibijanye n'ubwizigirwa bw'abakiriya. Abakoresha iyi porogaramu barashobora gukoresha internet ku buntu.

Imicungire n'Amategeko

Lumitel S.A. ikorera mu Burundi mu buryo bwemewe n'amategeko, ifise impapuro z'uruhusha zitangwa n'inzego zibifise uburenganzira. Isosiyete ifise uruhusha rwatanzwe n'Autorité de Régulation et de Supervision des Marchés Publics (ARMP) na Banki Nkuru y'Uburundi (BRB) ku bijanye na serivisi z'uguhanahana amafaranga. Nta bihano canke ibindi bibazo bishizwe ku mugaragaro bivugwa ku bijanye n'amategeko.

Ku bijanye n'umutekano w'abakiriya, Lumitel ikoresha uburyo bwa OTP (One-Time Password) na PIN kugira ibikorwa vyose bigume bigoye ko vyibwa. Amafaranga yishurwa ashirwa ku mugaragaro biciye muri menus za USSD, kandi hariho inomero y'abafasha abakiriya (100) ishobora guhamagarwa igihe cose.

Ikibanza mu Isoko n'Abahiganwa

Lumitel S.A. niyo iyoboye mu gutumatumanako no mu bijanye n'amafaranga yo kuri terefone mu Burundi. Ifise hafi 56% by'isoko ryo gutumatumanako na hafi 47% by'isoko ry'amafaranga yo kuri terefone mu mwaka wa 2018. Umukinyi wayo nyamukuru ni Econet Leo (Ecocash).

Lumitel yishira hejuru mu kwerekana ko ifise inengo nini mu misozi hamwe n'inengo nini y'abakozi mu gihugu hose. Ubufatanye n'amashirahamwe nk'UNHCR bwarafashije imiryango irenga 1,500 kwironkera imfashanyo z'amafaranga biciye kuri Lumicash mu mwaka wa 2019, bigatuma abantu benshi bashikira serivisi z'amafaranga. Serivisi yayo y'imiriyoni (Lumiloto) nayo ni idasanzwe mu zindi sosiyete zihiganwa nayo.

Impanuro Ngirakamaro ku Bakoresha bifuza Serivisi za Lumitel

Ku bantu bashaka gukoresha serivisi za Lumitel, ni ngombwa kumenya ibi bikurikira:

• Ku bashaka Ingurane z'Amafaranga: Ni ngombwa kumenya ko Lumitel S.A. NTIHA ingurane z'amafaranga zisanzwe (cash loans). Niba ushaka ingurane z'amafaranga, ugomba kwitura amabanki canke ibigo vy'ingurane byabigenewe. Serivisi ya Lumitel hafi n'ingurane ni Akadeni, ariko ni ukuza kw'igihe co kuvugana gusa.
• Kuri Akadeni: Koresha iyi serivisi ku bwa ngombwa gusa, kandi wibuke ko amafaranga yayo yishurwa umuntu nasubizaho amafaranga yo kuvugana. Nta nyungu zirihwa kuri iyi serivisi.
• Kuri Lumicash:
  • Menya ibiciro: Imbere yo gukora igikorwa, menya neza amafaranga yishurwa ku bikorwa nko kohereza canke gukura amafaranga. Aya mafaranga agaragara neza mu buryo bwa USSD.
  • Umva umutekano: Ntugeze na rimwe PIN yawe canke OTP (One-Time Password) ku muntu n'umwe. Lumitel ntizigera ibisaba.
  • Abakozi ba Lumitel (Agents): Naho inengo y'abakozi iri nini, rimwe na rimwe hashobora kuboneka ingorane z'amafaranga adahagije (liquidity) ku bamwe. Ni vyiza gutorera umukozi afise amafaranga ahagije imbere yo kugerageza gukura amafaranga menshi.
  • Koresha Porogaramu neza: Porogaramu za BePAY/LumiPAY na My Lumitel ziragira akamaro, ariko menya ko rimwe na rimwe zishobora kugira utungorane tw'igihe gito. Niba bibaye, gerageza gukoresha uburyo bwa USSD (*163#).

Mu gukoresha serivisi z'amafaranga z'ikoranabuhanga kwa Lumitel, abakiriya barashobora kworosha ubuzima bwabo bwa minsi yose, kuko zifasha mu buhanahana bw'amafaranga mu buryo bwihuta kandi burizigirwa. Turasaba abakoresha bose gusoma neza amasezerano n'amagengesho yose imbere yo gukoresha serivisi iyo ari yo yose.