InstantFunds

Ibiranga instantfunds n'Amateka yayo mu Rwanda

instantfunds ni porogaramu itanga inguzanyo za dijitali, ikaba ari iya sosiyete yitwa B P Securities (India) Pvt. Ltd., ikigo cyanditswe mu Buhinde kandi gifite uburenganzira bwo gutanga inguzanyo gitanzwe na Banki Nkuru y'u Buhinde (Reserve Bank of India). Inshingano nyamukuru y'iyi sosiyete ni ugutanga inguzanyo za bwite zikoresheje ikoranabuhanga gusa, zigahabwa abantu bakora akazi bagahabwa umushahara cyangwa abikorera, cyane cyane abakeneye inguzanyo ntoya mu gihe gito, mu Buhinde.

Nyamara, nk'uko ubushakashatsi bwacu bubigaragaza, nta kimenyetso na kimwe cyemeza ko instantfunds yanditswe cyangwa ikorera mu Rwanda mu buryo bwemewe n'amategeko. Banki Nkuru y'u Rwanda (BNR) n'Urwego rw'Igihugu rushinzwe Iterambere (RDB) nta sosiyete yanditse ku izina rya "instantfunds" cyangwa izindi sosiyete zifitanye isano nayo mu byanditswe byazo. Ibi bivuze ko, mu rwego rw'amategeko y'u Rwanda, instantfunds idafite uburenganzira bwo gutanga serivisi z'imari hano. Ni ngombwa ko abantu bashaka inguzanyo n'abakora ubusesenguzi mu by'imari bafata ibirego byose bishobora kuvuga ko instantfunds ikorera mu Rwanda nk'ibitagenzuwe kugeza igihe habonetse ibyangombwa byerekana ko yemewe cyangwa yanditswe mu buryo bwemewe n'amategeko mu Rwanda.

Ibyo instantfunds Itanga mu Buhinde: Inguzanyo, Inyungu n'Amategeko

Iyi ngingo irasobanura serivisi za instantfunds nk'uko zikora mu Buhinde, kuko nta kimenyetso cyerekana ko izi serivisi zitangwa mu Rwanda. instantfunds itanga inguzanyo za bwite gusa. Aba bakiriya ntibasabwa ingwate iyo basaba inguzanyo.

• Ubwoko bw'Inguzanyo: Inguzanyo za bwite.
• Amafaranga y'Inguzanyo (mu Buhinde): Akurwa ku ₹5,000 kugeza ₹50,000, bingana na hafi amadorali ya Amerika 60 kugeza 600.
• Inyungu (APR): Ishobora kugera kuri 29.5% ku mwaka. Ni ngombwa kwitondera ko inyungu zihinduka bitewe n'igihe inguzanyo izishyurirwa.
• Igihe Cy'Inguzanyo: Kuva ku minsi 90 kugeza ku mezi 24. Ibi bitanga ubushobozi bwo guhitamo igihe kirekire cyangwa kigufi cyo kwishyura.
• Amafaranga asabwa: Amafaranga yo gutanga inguzanyo (origination/processing fee) aba hagati ya ₹800 n'andi mafaranga (hamwe na GST), akaba ari hafi 1.7% by'inguzanyo. Nta zindi kaminuza zisobanutse zivugwa ku mugaragaro ku bijyanye n'amafaranga yo kwishyura bigenze nabi.
• Ingwate: Nta ngwate isabwa.

Inguzanyo zitangwa zishyirwa ako kanya kuri konti ya banki y'umukiriya. Kwishyura bikorwa buri kwezi (EMI deductions), kandi hari uburyo buhindagurika bwo kwishyura, bitewe n'amasezerano yagiranye n'umukiriya mu Buhinde. Turongera gushimangira ko ibi bikorwa byose bijyanye n'inguzanyo bitashoboye kwemezwa ko biboneka mu buryo bwemewe n'amategeko mu Rwanda.

Uburyo instantfunds Ikoresha n'Ikoranabuhanga mu Buhinde

instantfunds ikoresha uburyo bw'ikoranabuhanga bwuzuye mu gutanga inguzanyo zayo mu Buhinde. Ibi biha abakiriya ubushobozi bwo gusaba inguzanyo byihuse kandi nta guhagarara ku mirongo.

• Uburyo bwo Gusaba Inguzanyo: Bikorerwa binyuze kuri porogaramu ya telefoni (iya Android na iOS) ndetse no kuri urubuga rwabo (instantfunds.in), ibi byose bikorera mu Buhinde.
• Kwandikisha Abakiriya no Gusuzuma Indangamuntu (KYC): Habaho gusuzuma indangamuntu mu buryo bwa dijitali (Aadhaar-based e-KYC), kwemeza nimero ya PAN (Indian tax ID), no kugeza amakuru y'imishahara cyangwa amakuru ya banki.
• Gusuzuma Ubushobozi bwo Kwishyura: Bakoresha uburyo bwabo bwihariye bwo gusuzuma ubushobozi bw'umukiriya bwo kwishyura, bushingiye ku makuru y'umushahara, akazi, n'amakuru aturuka ku bigo bya raporo z'inguzanyo.
• Uburyo bwo Gutanga Inguzanyo: Amafaranga y'inguzanyo ashyirwa ako kanya kuri konti ya banki y'umukiriya.
• Gukusanya Inguzanyo no Kuzisubiza: Kwishyura bikorwa hifashishijwe kugabanya amafaranga kuri konti buri kwezi (automated EMI deductions). Amafaranga y'inyongera ashyirwaho iyo umukiriya atishyuye ku gihe.

Porogaramu ya instantfunds kuri Android (Google Play) imaze gushyirwaho n'abarenga miliyoni, ikaba ifite amanota agera kuri 4.2 ku bice 5. Iyi porogaramu ifite ibiranga byinshi birimo: kureba niba ushobora kubona inguzanyo ako kanya, gusuzuma indangamuntu mu buryo bwa dijitali, kubara amafaranga yo kwishyura buri kwezi, ndetse no guhabwa ubufasha muri porogaramu ubwayo. Nyamara, urubuga rwabo (instantfunds.in) ntirufite amakuru y'u Rwanda cyangwa ayagenewe abaturage ba Afurika y'Iburasirazuba. Nta kimenyetso cyerekana ko bafite ishami cyangwa serivisi zagenewe u Rwanda.

Itegeko n'Uburenganzira mu Rwanda: Ibyago byo Kudafite Icyangombwa

Iyi ni ingingo y'ingenzi cyane ku baturage b'u Rwanda. Banki Nkuru y'u Rwanda (BNR) ni yo ifite uburenganzira bwo gutanga ibyangombwa bigenewe ibigo by'imari mu gihugu. Ku bijyanye na instantfunds, nta kimenyetso na kimwe cyagaragaye mu byanditswe bya BNR cyerekana ko yahawe icyangombwa cyo gukora nk'Ikigo cy'Imari Kidahabwa Amadepozite (NDFI) mu Rwanda.

Ibi bivuze ko:

• Status y'Icyangombwa mu Rwanda: Nta cyangombwa. instantfunds nta burenganzira ifite bwo gutanga inguzanyo mu Rwanda.
• Ubugenzuzi bw'Akarere: Nta bugenzuzi bw'inzego z'u Rwanda buyikurikiranira. Gutanga inguzanyo nta cyangombwa cya BNR binyuranyije n'amategeko y'u Rwanda agenga ibigo by'imari bidahabwa amadepozite (nka FN 2023/02).
• Ibihano: Gukorera mu Rwanda nta cyangombwa gishobora gutuma ikigo gicibwa ihazabu igera kuri miliyoni eshanu z'amafaranga y'u Rwanda (RWF 5,000,000) ndetse n'ibikorwa byayo bigafungwa.
• Kurinda Abakiriya: Nubwo instantfunds ivuga ko igira ubucyo mu Buhinde, nta makuru asobanutse cyangwa amategeko y'u Rwanda agenga kurinda abakiriya babo yashyizweho. Ibi bishobora gutuma abakiriya bahura n'ibibazo byo kwangirizwa.

Kubera ko instantfunds idafite uburenganzira mu Rwanda, abaturage bakeneye inguzanyo bagomba kwitondera cyane. Gusaba inguzanyo ikigo kidafite uburenganzira bishobora gutuma umuntu ahura n'ibibazo by'amategeko, gutanga amakuru ye bwite mu buryo budafite umutekano, cyangwa guhura n'inyungu nyinshi zikabije cyangwa amafaranga yandi asabwa atemewe n'amategeko y'u Rwanda.

Isoko ry'Inguzanyo mu Rwanda, Abanywanyi n'Inama ku Bashaka Inguzanyo

Mu Rwanda, isoko ry'inguzanyo za dijitali ryarateye imbere, rikaba rifite ibigo by'imari byinshi byemewe n'amategeko bitanga serivisi zinyuranye. instantfunds nta mugabane ifite ku isoko ry'u Rwanda kuko idakora mu buryo bwemewe. Abanywanyi nyabo mu Rwanda barimo amabanki n'ibindi bigo by'imari bifite ibyangombwa bya BNR, nka:

• Equity Bank: Itanga inguzanyo z'umushahara (Salary Advance).
• I&M Bank: Itanga serivisi ya CashPlus.
• Bank of Africa: Itanga inguzanyo za bwite zihuse (Advance Personal Loan).
• N'ibindi bigo byinshi by'imari bidahabwa amadepozite (NDFIs) byemewe na BNR.

Izi sosiyete zikora mu buryo bwemewe, zikurikiza amategeko ya BNR, bityo zikaba zitanga umutekano ku bakiriya. instantfunds, n'ubwo mu Buhinde yizwiho gutanga inguzanyo byihuse, nta na kimwe cyayo gishobora kugenewe abanyarwanda mu buryo bwemewe. Nta makuru atangazwa ku mugaragaro ku bijyanye no kwagura ibikorwa bya instantfunds mu Rwanda cyangwa muri Afurika y'Iburasirazuba.

Inama z'ingenzi ku bashaka kugurizwa mu Rwanda:

Kubera ko instantfunds idafite uburenganzira bwo gutanga inguzanyo mu Rwanda, ni ngombwa ko abantu bose bashaka inguzanyo bitondera ibi bikurikira:

• Genzura Icyangombwa: Buri gihe wemeze ko ikigo cy'imari ushaka kugurizwaho gifite icyangombwa gitanzwe na Banki Nkuru y'u Rwanda (BNR). Urashobora kubigenzura kuri urubuga rwa BNR cyangwa ukabegera ubwabo.
• Hitamo Abemewe n'Amategeko: Gurizwa gusa amabanki cyangwa ibigo by'imari bidahabwa amadepozite byemewe na BNR. Ibi bigo nibyo bigenzurwa n'amategeko bityo bikaba bitanga umutekano ku bakiriya.
• Kwitondera Ibirimo: Fatira ibirego byose by'uko "instantfunds Rwanda" ikora nk'ibitagenzuwe kugeza igihe ibyangombwa byerekana ko yanditswe mu buryo bwemewe bigaragaye. Ibyo birego bishobora kuba bigamije kwambura abantu cyangwa kubakoresha mu buryo bunyuranyije n'amategeko.
• Umutekano w'Amakuru: Kwirinda gutanga amakuru yawe bwite cyangwa y'imari ku bigo bitazwi cyangwa bidafite uburenganzira.
• Raporo z'Uburiganya: Mu gihe uketse uburiganya cyangwa ikigo gitanga serivisi z'imari mu buryo budafite uburenganzira, byihuse menyesha Banki Nkuru y'u Rwanda cyangwa inzego z'umutekano.

Mu gusoza, nubwo instantfunds ari ikigo kizwi mu Buhinde mu bijyanye n'inguzanyo za dijitali, nta kimenyetso cyizewe cyerekana ko ikorera mu Rwanda mu buryo bwemewe n'amategeko. Kubera iyo mpamvu, abanyarwanda bagomba kwitondera no guhitamo gusa ibigo by'imari bifite uburenganzira bwo gukorera mu gihugu kugira ngo birinde ibibazo bishobora kuvuka.