Guhera ku wa 14 Nyakanga 2026, u Rwanda rwatangiye gukoresha uburyo bushya bwo kwishyurana no guhererekanya amafaranga bwiswe e-Kash (Rwanda National Digital Payment System – RNDPS), bugamije koroshya ubwishyu hagati ya banki, ibigo by’imari n’abatanga serivisi z’amafaranga hakoreshejwe ikoranabuhanga.
Ni imwe mu ntambwe zikomeye igihugu gikomeje gutera mu rugendo rwo kubaka ubukungu bushingiye ku ikoranabuhanga no kugabanya ikoreshwa ry’amafaranga y’inoti n’ibiceri.

E-Kash ni iki?

e-Kash ni uburyo buhuza ibigo byose by’imari n’abatanga serivisi zo kohereza amafaranga, ku buryo umukiliya ashobora kohereza cyangwa kwakira amafaranga hagati ya banki zitandukanye cyangwa konti za Mobile Money bitamusabye kunyura mu nzira zihenze nk’uko byari bisanzwe.
Banki Nkuru y’u Rwanda (BNR) yatangaje ko buri gikorwa kizajya cyishyurwa 20 Frw gusa, mu gihe amafaranga ashobora koherezwa ku gikorwa kimwe atagomba kurenga miliyoni 10 Frw.
Iri koranabuhanga rije gukuraho imbogamizi zaterwaga n’uko buri kigo cy’imari cyagiraga uburyo bwacyo bwo guhererekanya amafaranga ndetse n’ibiciro bidahura.

Mbere ya e-Kash, kohereza amafaranga hagati ya banki zitandukanye cyangwa kuri Mobile Money byashoboraga gutwara amafaranga menshi, rimwe na rimwe bikagera ku 1,500 Frw ku gikorwa kimwe.

Ibyo byagiraga ingaruka zikomeye cyane cyane ku bacuruzi bakora ubwishyu bwinshi buri munsi.
Urugero, umucuruzi woherezaga amafaranga ku bantu 10 inshuro eshanu buri munsi yashoboraga gutakaza amafaranga menshi mu biciro bya serivisi. Ubu, ibikorwa nk’ibyo bizajya bikorwa ku giciro gito cyane, bikazamura inyungu z’ubucuruzi no kugabanya ikiguzi cyo gukora.
Ibi biteganyijwe gufasha cyane ibigo biciriritse n’ibito (SMEs), abafite amaduka, abacuruzi bo ku masoko n’abakora ubucuruzi bwambukiranya intara.

U Rwanda rumaze imyaka rushyira imbaraga mu kwimakaza ubwishyu bukorwa hadakoreshejwe amafaranga afatika (Cashless Economy).

Raporo ya BNR ya 2024/2025 igaragaza ko:

ubwishyu hakoreshejwe telefoni bwazamutseho 57% mu gaciro na 44% mu mubare w’ibikorwa;
ibikorwa bya Mobile Banking byiyongereyeho 108% mu gaciro na 113% mu mubare w’ibikorwa;
serivisi zo kohereza amafaranga hifashishijwe ikoranabuhanga ziyongereyeho 301%, zigera kuri miliyari 37,7 Frw.

Aya mibare yerekana ko Abanyarwanda bagenda barushaho kwizera ikoranabuhanga mu bikorwa by’imari, ibintu e-Kash ishobora kurushaho kwihutisha.

Mu nyungu zitezwe harimo:

kugabanya amafaranga igihugu gikoresha mu gucapa no gusimbuza inoti n’ibiceri;
kongera umuvuduko w’ubucuruzi;

koroshya ikusanywa ry’imisoro kubera ko ibikorwa byinshi bizajya bibarurwa mu buryo bw’ikoranabuhanga;

kugabanya ibyaha bikorwa hakoreshejwe amafaranga afatika birimo ubujura n’ikoreshwa ry’amafaranga y’amiganano;

kongera ukwizerana hagati y’ibigo by’imari binyuze mu gukorera ku rubuga rumwe.
Abahanga mu bukungu bavuga kandi ko kuba amakuru y’ubwishyu azajya aboneka neza bizafasha inzego za Leta gukora igenamigambi rishingiye ku mibare yizewe.

Nubwo e-Kash yatangiye gukora, hari ibikorwa bimwe na bimwe bikiri gukoresha ibiciro bisanzwe, nk’ihererekanya ry’amafaranga hagati y’abakoresha umuyoboro umwe wa Mobile Money.
Abasesenguzi bavuga ko uko uburyo bushya buzakomeza kwakirwa n’abaturage, hazagenda habaho ivugururwa ry’ibiciro ndetse n’ivugururwa rya serivisi zitandukanye.

Ikoreshwa rya e-Kash rije rikurikira izindi gahunda igihugu cyatangije zirimo no kwemeza ikoreshwa ry’ifaranga koranabuhanga, ibintu bishimangira icyerekezo cy’u Rwanda cyo kuba igihugu gifite ubukungu bushingiye ku ikoranabuhanga.