Batunguwe muri ’CRB’ batabizi
Banki Nkuru y’u Rwanda (BNR), Ikigo gishinzwe gukusanya amakuru ku myenda (TransUnion Rwanda Ltd) ndetse n’ibigo bitanga serivisi z’imari, byafashije abaturage bo mu Karere ka Ngoma n’utundi bihana imbibi, bibakemurira ibibazo bagiye bahura na byo byiganjemo gushyirwa ku rutonde rw’abafite imyenda (CRB), kandi batabizi.
Ku Kabiri tariki 31 Werurwe 2026 ni bwo hatangijwe iminsi itatu yo gukemura ibibazo by’abakiliya ba serivisi z’imari. Ni icyumweru BNR n’ibindi bigo bifashamo abaturage kubakemurira ibibazo.
Mu bibazo abaturage benshi bitabiriye bari bafite, ibyinshi bishingiye ku gushyirwa muri CRB ntibabimenye ndetse ntibanamenye aho babariza kugira ngo bayikurwemo.
Ubushakashatsi bukorwa buri myaka itatu na BNR buheruka gukorwa mu 2024 bwerekanye ko abaturage 56% ari bo bishimira serivisi z’imari. Abaturage kandi banagaragaje ko CRB bayishimira ku kigero cya 38% ikaba ari yo serivisi iri hasi kurusha izindi zose.
Uwiragiye Emmanuel wo mu Karere ka Ngoma, yavuze ko yari afite moto yakoreshaga akazi ka Leta ariko akayikoresha ayishyura, nyuma yo kurangiza kuyishyura ngo yakoze ihererekanyamutungo, ayiyandikaho, akazi kaza kurangira moto ayibika mu rugo.
Nyuma y’igihe kinini umugore we yagiye kwaka inguzanyo muri Banki basanga umugabo we afite inguzanyo atazi yaranashyizwe muri CRB.
Ati “Nagiye mu kigo gishinzwe imisoro bambwira ko mfite imisoro y’imyaka ine, banasaba kujya mu bigo icyenda bitanga ubwishingizi kugira ngo byose bimpe urwandiko rugaragaza ko nta hantu natse ubwishingizi sinishyure, ibyo narabikoze ndazizana barambwira ngo njye ku Irembo bamfashe nandikire RRA babisibe na n’ubu nta gisubizo ndabona ndacyari muri CRB.’’
Uwiragiye yavuze ko iyo myaka irenga ine amaze ari muri CRB byadindije umuryango we, kuko umugore we yashatse inguzanyo yo kwiteza imbere ntibyakunda kubera icyo kibazo atazi uko cyaje. Yasabye ko mu gihe umuntu ashyizwe muri CRB yajya abimenyeshwa.
Ati “Ubundi igihe bagushyize muri CRB baba bafite imyirondoro yawe yose, bakagombye kuguhamagara bakabikubwira n’impamvu nawe ukabimenya, aho kumva ibintu bikuguyeho utazi uko byagenze. Ubu ntituzi aho twabariza mu gihe badushyize muri CRB.’’
Umuhoza Alice waturutse mu Murenge wa Karembo, yavuze ko batije umuntu icyangombwa cy’ubutaka agiye gufata umurasire, uwo muntu ngo yananiwe kwishyura baranawumwambura. Nyuma baje gushaka kujya kuri banki gufata inguzanyo bagezeyo basanga bari muri CRB ndetse banayimazemo imyaka 10 mu bintu batari bazi.
Yasabye ko mu gihe umuntu agiye gushyirwa muri CRB yajya ahamagarwa akabwirwa impamvu yayishyizwemo byaba na ngombwa akaba yafatirana uwo mwenda akawishyura aho kuzumva ko uyirimo utazi igihe wayishyiriwemo.
Narame Genevieve utuye mu Murenge wa Kibungo, yavuze ko yatse inguzanyo mu kigo cy’imari mu myaka 14 ishize ubwo yishyuriraga umwana we amafaranga y’ishuri, aza kuyishyura arayarangiza, atungurwa n’uko yagiye kwaka inguzanyo mu Umurenge Sacco asanga yarashyizwe muri CRB ndetse anarimo umwenda w’arenga miliyoni 2 Frw.
Yavuze ko ari ibintu byamutunguye ndetse biranamubabaza kuko ayo mafaranga yari yaratse yari yarayishyuye, akibaza ukuntu amara imyaka myinshi yarashyizwe muri CRB ariko we ntabimenyeshwe.
Ati “BNR yanyakiriye ndetse banamfasha kunkuramo. Kuba narisanze muri CRB byarandindije kuko nari nateguye umurima w’inyanya, ariko ngiye kwaka inguzanyo ndayibura bituma ntahinga ahubwo nsubira inyuma mu mibereho.’’
Umuyobozi w’ishami rishinzwe imyitwarire y’ibigo by’imari no kurengera abaguzi muri BNR, Nsabimana Gerard, yavuze ko bahisemo kwegera abaturage kugira ngo bakemurirwe ibibazo n’inzego nyinshi zibari hafi kandi ko ibyinshi biri gukemuka.
Yavuze ko ikibazo cya mbere kiri ku isonga mu byo bagezwaho ari icy’abaturage bashyirwa muri CRB kuko baba bafashe umwenda muri banki bamwe bakamara kuwishyura ntibakurwemo.
Yavuze ko amakuru akwiriye gutangwa ako kanya ku bantu bishyuye ariko ko bikigoranye ku buryo abatabikosora bagomba kujya bahanwa.
Ati “Hari kubakwa ikoranabuhanga ku buryo umuntu niba yishyuye amakuru ahita agenda akajya muri TransUnion ko uwo muntu yishyuye agahita akurwa muri CRB, twanashyizeho uburyo umuntu yakwigenzurira ko atari muri CRB *707# ukareba ikigo cyagutanzeho amakuru n’umwenda ufite uko ungana.’’
Kugeza ubu BNR imaze gukemura ibibazo by’abaguzi ba serivisi z’ibigo by’imari 1000 mu Mujyi wa Kigali, 600 byo mu Ntara y’Amajyaruguru, Amajyepfo bakiriye 400, Iburengerazuba bakiriye 300, Iburasirazuba muri Gatsibo bakiriye ibibazo 200 kuri ubu bakaba bari kwakira ibindi mu Karere ka Ngoma.
