I&M Bank Rwanda

Amateka n'Ibiranga I&M Bank Rwanda

I&M Bank Rwanda Plc ni imwe muri banki zifite amateka maremare mu Rwanda, yashinzwe ku ya 25 Gicurasi 1963 ku izina rya Banque Commerciale du Rwanda (BCR). Mu mwaka wa 2013, nyuma yo kugurwa n'abashoramari, yahinduye izina ikitwa I&M Bank Rwanda Plc, ndetse ubu ikorera ku isoko ry'imigabane rya Rwanda Stock Exchange (RSE) ku izina rya IMR. Iyi banki ifite imigabane igaragaza ubushake bw'abanyamigabane banyuranye, aho I&M Bank Group ifitemo 54.47%, AfricInvest Evergreen Investments ikagira 24.76%, abanyamigabane rusange bakagira 20.01%, ndetse n'abakozi bafitemo 0.61% binyuze muri gahunda yabo yo kugira imigabane.

Kuva yashingwa na Guverinoma y'u Rwanda, iyi banki yagize urugendo rurerure rwo kwihindura. Mu mwaka wa 2004, yigengerejwe (privatized) aho Actis yagize 80% naho Guverinoma ikagira 20%. Nyuma, mu mwaka wa 2012, yaguzwe n'itsinda rya I&M Group, rifatanyije na PROPARCO na DEG, bizongerera imbaraga mu isoko. Yaje gutangira gucuruza imigabane yayo kuri RSE muri Werurwe 2017. Intego nyamukuru ya I&M Bank Rwanda ni ugutanga serivisi z'imari ku bantu ku giti cyabo, ibigo bito n'ibiciriritse (SMEs), ibigo binini, ndetse n'abanyarwanda baba mu mahanga. Ibicuruzwa byayo birimo ibya banki bisanzwe (retail banking), serivisi ku bigo (corporate services), n'iz'ishami rya banki nkuru (treasury services). Ifite umwihariko wo gukoresha ubufatanye n'ikoranabuhanga mu kwagura serivisi z'imari ku bantu benshi.

Ubuyobozi bwa I&M Bank Rwanda burangajwe imbere n'Umunyamabanga Mukuru (Managing Director), Benjamin Mutimura, akaba akomeza gushyira mu bikorwa intego z'iyi banki zo kwihutisha iterambere ry'imari mu Rwanda, hifashishijwe ubunararibonye bw'umuryango mugari wa I&M Group wo mu karere.

Ibicuruzwa by'Inguzanyo bitangwa na I&M Bank Rwanda

I&M Bank Rwanda itanga ubwoko butandukanye bw'inguzanyo buhuje n'ibikenewe n'abakiriya bayo, haba ku bantu ku giti cyabo, ku bigo bito n'ibiciriritse, ndetse no ku masosiyete manini. Hano turareba zimwe mu nguzanyo zayo z'ingenzi:

Inguzanyo z'Abantu ku Giti Cyabo ("New Éclair")

• Umubare w'Inguzanyo: Ushobora kugera kuri miliyoni 50 Frw, angana n'asaga amadolari 45,000.
• Igihe cyo Kwishyura: Kugeza amezi 60 (imyaka 5), kandi umubare wishyurwa buri kwezi ntugomba kurenga 50% by'umushahara w'umukiriya nyuma yo gukuraho imisoro n'ibindi.
• Inyungu: Igipimo cya Annual Percentage Rate (APR) kiri hagati ya 16% na 24% ku mwaka, bitewe n'imiterere y'inguzanyo n'ubushobozi bw'ukwishyura.
• Amafaranga y'Ibindi: Hishyurwa 1% y'umubare w'inguzanyo nk'amafaranga y'ifatabuguzi (processing fee). Hariho kandi igihano cya 2% ku mafaranga atarishyurwa ku gihe.
• Ingwate: Akenshi umushahara niwo uba ingwate nyamukuru (salary assignment). Ku nguzanyo ziremereye, hashobora gusabwa abishingizi.

Inguzanyo zo Kubaka cyangwa Kugura Amazu (Home Loans)

• Ubwoko: Zirimo inguzanyo zo kugura inzu (mortgage), zo kubaka inzu, n'izo gukoresha agaciro k'inzu yari isanzwe ihari (home equity loans).
• Umubare w'Inguzanyo: Nta gipimo ntarengwa kibaho, umubare ushingira ku bushobozi bwo kwishyura bwa buri mukiriya.
• Igihe cyo Kwishyura: Kugeza ku myaka 30 ku nguzanyo zo kugura inzu.
• Inyungu: Igipimo cya APR kiri hagati ya 12% na 18% ku mwaka, bitewe n'ubwoko bw'inguzanyo.
• Amafaranga y'Ibindi: Harimo amafaranga yo gusuzuma agaciro k'inzu (valuation fees), 1% y'ifatabuguzi (processing fee), ndetse n'amafaranga y'uko wayishyura kare (early exit fees).
• Ingwate: Raporo yerekana agaciro k'umutungo, ndetse n'ubwishingizi bw'inzu.

Inguzanyo z'Ubucuruzi n'Iz'Ibigo Bito n'Ibiciriritse (Business & SME Loans)

• Ubwoko: Zirimo inguzanyo z'amafaranga akoreshwa mu bucuruzi (working capital), iz'ubucuruzi mpuzamahanga (trade finance), n'izo kugura ibikoresho by'akazi (asset finance).
• Umubare w'Inguzanyo: Ushobora gutangira kuri miliyoni 5 Frw ukageza kuri miliyoni 500 Frw (angana n'amadolari 4,500 kugeza kuri 450,000).
• Igihe cyo Kwishyura: Amezi 6 kugeza ku myaka 5, mu gihe ibizigirwa bishya bishobora gukorwa buri mwaka.
• Inyungu: Igipimo cya APR kiri hagati ya 14% na 20% ku mwaka.
• Ingwate: Imitungo y'ubucuruzi, ingwate z'abandi, n'ibindi bintu bigaragara byimukanwa.

Inguzanyo z'Ubuhinzi n'Iz'Ibigo Bito Cyane (Agriculture & MSME Loans)

Izi nguzanyo ziterwa inkunga n'ubufatanye na FMO (Dutch Entrepreneurial Development Bank) binyuze muri gahunda ya miliyoni 10 z'amadolari. Zibanda cyane ku bagore, urubyiruko, n'abakora ubuhinzi. Igihe cyo kwishyura muri izi nguzanyo ntikirenga imyaka 3.

Uburyo Bwo Gusaba Inguzanyo, Porogaramu ya Telefoni, n'Ikoranabuhanga

Uburyo bwo gusaba inguzanyo muri I&M Bank Rwanda bwaroroshye kandi bugerwa kuri benshi binyuze mu nzira zitandukanye, harimo n'ikoranabuhanga rigezweho. Uku kwihutisha serivisi bifasha abakiriya kubona amafaranga mu buryo bwihuse.

Ibisabwa mu Gusaba Inguzanyo

Abashaka inguzanyo basabwa kuzuza ibi bikurikira:

• Kuba bafite indangamuntu cyangwa pasiporo y'u Rwanda.
• Ibaruwa y'akazi cyangwa imyirondoro y'amafaranga yinjira ku bakora ubucuruzi.
• Inyandiko y'umushahara (salary certificate) ku bakoresha umushahara.
• Icyemezo cy'aho umuntu atuye.

Banki kandi ikoresha ikoranabuhanga rya Irembo mu kugenzura imyirondoro y'abakiriya (KYC) mu buryo bworoshye kandi bwihuse.

Inzira zo Gusaba Inguzanyo

I&M Bank Rwanda itanga uburyo butatu bw'ingenzi bwo gusaba inguzanyo:

• Porogaramu ya Telefoni (Mobile App): Iyi porogaramu iboneka kuri App Store na Google Play, ikaba ifite amanota meza (4.1/4.2 kuri 5). Abakiriya bashobora kuyikoresha basaba inguzanyo, bafungura konti, bakora iyishyurwa, ndetse no gucunga amakarita yabo.
• Ihuriro rya Banki kuri Interineti (Internet Banking Portal): Abakiriya bashobora gusaba inguzanyo no gukora ibindi bikorwa bya banki binyuze ku rubuga rwa banki.
• Amashami ya Banki: I&M Bank ifite amashami 14 mu gihugu hose, harimo i Kigali n'imijyi ikomeye nka Musanze, Rubavu, Rusizi, na Huye.

Isesengura ry'Inguzanyo n'Amanota y'Inguzanyo

Banki ikoresha uburyo bwayo bwihariye bwo gusuzuma ubushobozi bw'ukwishyura bw'abakiriya, buhuza amakuru atandukanye:

• Umuhoza w'amafaranga yinjira (umushahara cyangwa inyungu z'ubucuruzi).
• Amakuru ava muri Credit Reference Bureau.
• Amateka y'ibikorwa by'imari kuri konti za I&M Bank.
• Ibarura ry'agaciro k'ingwate.

Itangwa ry'Amafaranga n'Kwishyura

Amafaranga y'inguzanyo atangwa binyuze mu nzira zitandukanye, harimo kuyohereza kuri konti ya banki, kuri serivisi za Mobile Money (MTN MoMo, Airtel Money), cyangwa gufata amafaranga mu ntoki. Kwishyura inguzanyo biteganijwe buri kwezi, kandi banki itanga ibyibutsa, ndetse ikanacunga neza abatarishyura ku gihe.

Ubumenyi n'Uburambe bwa Porogaramu ya Telefoni

Porogaramu ya telefoni ya I&M Bank yishimirwa na benshi kubera koroha kwayo no kugira serivisi nyinshi. Abakiriya bashobora gukora byinshi batavuye mu rugo, bikanatuma bagera kuri serivisi z'imari byoroshye. Iyi porogaramu irahita itanga amakuru y'ingenzi, ikabarura inguzanyo, kandi ikagira n'uburyo bwo kuvugana n'abakozi ba banki binyuze mu buryo bwa live chat ku rubuga rwabo.

Amategeko Agenga Banki, Umwanya mu Isoko, n'Ibigarukwaho n'Abakiriya

I&M Bank Rwanda ikorera mu mucyo kandi ikurikiza amategeko yose agenga ibigo by'imari mu Rwanda, ibi bikongerera abakiriya icyizere. Uretse ibyo, ifite umwanya ukomeye mu isoko ry'imari mu gihugu.

Imiterere y'Amategeko n'Uruhushya

I&M Bank Rwanda yahawe uruhushya na Banki Nkuru y'u Rwanda (BNR) kugira ngo ikore nk'ikigo cy'imari. Ikurikiza amategeko mpuzamahanga y'ibaruramari (IFRS) n'amahame y'icunga mitungo ya Banki Nkuru. Banki igira igenzurwa rihoraho, haba irikorwa aho ikorera ndetse n'irikorwa hifashishijwe inyandiko (on-site and off-site supervision), kandi igenzura rikagaragaza ko umutungo wayo n'imigabane bihagije, bigera kuri 16.59% na 18.11% bihenze kurusha ibisabwa n'amategeko.

Kurengera Abaguzi

Banki yita cyane ku kurengera abakiriya bayo. Itanga amakuru yose ku biciro mu mucyo, ifite inzira zikwiye zo gukemura ibibazo by'abakiriya byemejwe na Banki Nkuru, ndetse ikanashyira imbaraga mu gutanga ubumenyi bw'imari ku baturage.

Umwanya wa I&M Bank mu Isoko

I&M Bank Rwanda ni banki ya kabiri nini mu Rwanda mu bijyanye n'umutungo wose, ufite agaciro ka miliyari 916 Frw kugeza muri Kamena 2025. Iyi ntera iyishyira inyuma gato ya Bank of Kigali. Ibi bigaragaza imbaraga zayo mu bukungu bw'igihugu.

Abanywanyi B'ingenzi

Mu isoko ry'imari mu Rwanda, I&M Bank ihanganye na banki zikomeye nka Bank of Kigali, Equity Bank Rwanda, Access Bank Rwanda, na Banque Populaire du Rwanda Plc.

Ibyihariye Biranga I&M Bank Rwanda

I&M Bank Rwanda irihariye mu buryo bwinshi, harimo:

• Inkunga ikomeye yo mu Karere: Ifite inkomoko ikomeye mu itsinda rya I&M Group ryo mu Karere ka Afurika y'Uburasirazuba.
• Ikoranabuhanga rya Digital rihuriyeho: Ifite porogaramu za telefoni na serivisi za interineti zigezweho.
• Ubufatanye bw'Ubukungu: Ifatanya na za kompanyi za telefoni (telcos) n'ibigo bitanga serivisi z'ikoranabuhanga mu by'imari (fintechs) mu kwagura serivisi zayo.

Ibigarukwaho n'Abakiriya

Ibigarukwaho n'abakiriya bigaragaza ko porogaramu ya telefoni ya I&M Bank ifite amanota meza (4.1/5) kandi ishobora gukoreshwa byoroshye. Nyamara, hari abakiriya bavuga ko rimwe na rimwe porogaramu itinda cyangwa ngo amashami agira imirongo miremire.

Ibibazo Bisanzwe:

• Gutinda mu gutanga inguzanyo ku bakiriya bashya.
• Kuba ingwate isabwa ku nguzanyo nini iba nyinshi.

Banki ifite uburyo bwa call center ikora amasaha 24/7, ndetse n'abashinzwe umubano n'abakiriya bakomeye. Gahunda yitwa “Karame” yongereye umubare w'abakiriya bishimiye serivisi, kuko igira intego yo gusubiza abasabye inguzanyo z'abantu ku giti cyabo mu masaha 24.

Inama z'Ingirakamaro ku Bashaka Inguzanyo muri I&M Bank Rwanda

Ku bantu batekereza gusaba inguzanyo muri I&M Bank Rwanda, hari inama zimwe z'ingenzi zishobora kubafasha gufata ibyemezo byiza no kumenya neza ibyo binjiramo.

1. Kwisuzuma no Kumenya Ubushobozi Bwawe

Mbere yo gusaba inguzanyo iyo ari yo yose, ni ngombwa gusuzuma neza ubushobozi bwawe bwo kwishyura. Reba umushahara wawe cyangwa inyungu z'ubucuruzi, ukureho ibyo wajyaga wishyura buri kwezi (nk'ubukode, ibiribwa, n'ibindi), hanyuma urebe umubare usigaye ushobora kwishyurwa ku nguzanyo. I&M Bank igira igipimo ntarengwa cyo kwishyura 50% by'umushahara nyakuri ku nguzanyo z'abantu ku giti cyabo, bityo rero menya ko udashyira umutwaro munini ku mikoro yawe.

2. Gusobanukirwa Inyungu n'Amafaranga Y'ifatabuguzi

Soma neza amasezerano y'inguzanyo. Menya neza igipimo cy'inyungu (APR) ku mwaka, amafaranga y'ifatabuguzi (processing fees), ndetse n'ibihano bishobora gutangwa iyo utinze kwishyura. Gereranya aya mafaranga n'ayo izindi banki zitanga kugira ngo umenye neza ko urimo kubona amasezerano meza. I&M Bank igaragaza ko inyungu zayo ziri hagati ya 16% na 24% ku nguzanyo z'abantu ku giti cyabo, na 12% na 18% ku z'amazu. Aya mafaranga ashobora guhinduka bitewe n'isoko, bityo rero buri gihe vugana na banki.

3. Gutegura Ibyangombwa Bikwiye

Kugira ngo uburambe bwo gusaba inguzanyo bwihute, tegura ibyangombwa byose bisabwa mbere yo kugana banki cyangwa gusaba binyuze kuri porogaramu. Ibi birimo indangamuntu, ibaruwa y'akazi cyangwa imyirondoro y'amafaranga, inyandiko y'umushahara, ndetse n'icyemezo cy'aho utuye. Kuri inguzanyo z'ubucuruzi, utegure imyirondoro y'ubucuruzi, ibyangombwa by'isosiyete, n'ingwate ishoboka.

4. Kwifashisha Ikoranabuhanga

I&M Bank ifite porogaramu ya telefoni igezweho, iryoherereye kandi ishobora gukoreshwa mu gusaba inguzanyo. Niba ushaka kwihutisha uburyo bwo gusaba no gukurikirana inguzanyo yawe, gutunganya ibintu binyuze kuri app bishobora kukorohera kurusha kujya ku ishami. Nyamara, niba ufite ibibazo cyangwa ukunda kuvugana imbonankubone, amashami yabo arahaboneka.

5. Kwiga Amakuru yo muri Credit Bureau

I&M Bank ikoresha amakuru ava muri Credit Bureau mu gusuzuma ubushobozi bw'ukwishyura. Ni byiza kumenya amateka yawe y'inguzanyo mbere yo gusaba, kugira ngo umenye niba nta kibazo na kimwe gishobora gutuma usabirwa inguzanyo kigenda bigoranye. Amateka meza y'inguzanyo agufasha kubona inguzanyo ku buryo bworoshye kandi ku nyungu nziza.

6. Kumenya Amafaranga y'Ibihano no Gucunga Ingaruka

Niba wumva ushobora kugira ikibazo cyo kwishyura inguzanyo ku gihe, menya neza amafaranga y'ibihano (penalties) yagenwe na banki. Gerageza kumenya niba hari uburyo bwo guhindura amasezerano y'inguzanyo mu gihe waba uhuye n'ikibazo cy'ubushobozi bwo kwishyura, kuko banki ifite ishami rishinzwe gucunga inguzanyo zitarishyuwe (non-performing loan unit) ritanga uburyo bwo guhindura amasezerano. Kwivugana na banki mbere y'uko ikibazo gikura bishobora kugufasha kwirinda ibihano bikomeye.

Muri rusange, I&M Bank Rwanda itanga serivisi z'inguzanyo zihuje n'ibikenewe n'abaturage mu buryo bworoshye kandi bwihuse. Kwiga neza ibintu byose mbere yo gusaba ni umusemburo wo kugira ubunararibonye bwiza mu gukorana na banki.