U Rwanda rugiye gutangira gahunda yo gukoresha ifaranga ry’ikoranabuhanga

Mu kiganiro kirambuye, guverineri wungirije wa banki nkuru y’igihugu, Soraya HAKUZIYAREMYE yatangaje ko Rwanda rugiye gutangira gahunda yo gukoresha ifaranga ry’ikoranabuhanga, rizwi nka ‘Central Bank Digital Currency (CBDC)’ riba rigenzurwa na Banki Nkuru y’Igihugu nk’uko bikorwa ku mafaranga asanzwe.

Ifaranga rya CBDC ritandukanye n’andi mafaranga y’ikoranabuhanga azwi nka ’Cryptocurrency’ ari n’aho ayo mu bwoko bwa Bitcoin abarizwa.

Bimwe mu bitandukanya Central Bank Digital Currency na Cryptocurrency harimo ko kimwe kiba kigenzurwa na Banki Nkuru y’Igihugu mu gihe ikindi gishobora kugenzurwa n’ubonetse wese.

Ibi bituma ikoreshwa rya Central Bank Digital Currency ritagira ingaruka zikomeye ku bukungu nk’uko bigenda kuri Bitcoins kandi rikaba ryizewe nk’uko andi mafaranga bimeze.

Iri ni ifaranga rikorwa n’ibihugu ariko imiterere yaryo itandukanye n’ayo dusanzwe tubona y’inoti cyangwa ibiceri bikozwe muri zahabu cyangwa umuringa ’silver’.

Ni ifaranga ryemewe n’amategeko rikoreshwa mu kugura ibintu na serivisi ariko hifashishijwe ikoranabuhanga, kurihererekanya no kugaruza nabyo bigakorwa mu ikoranabuhanga.

Guverineri Wungirije wa Banki Nkuru y’Igihugu, Soraya Hakuziyaremenye, yavuze ko iri faranga ry’ikoranabuhanga rizafasha Abanyarwanda guhererekanya amafaranga no gukora ubucuruzi mu buryo butekanye, ugereranyije n’umutekano ifaranga risanzwe rigira. Bizafasha kandi abantu kugira inyungu muri gahunda z’ubukungu n’imari zidaheza.

Yakomeje avuga ku mpamvu iri faranga ry’ikoranabuhanga rikenewe mu Rwanda.

Ati “byagaragaye ko ari ingenzi kubera kandi ibiri gukorwa mu bind ibihugu. Turabizi ko hafi ibihugu 11 byatangiye gukoresha iri faranga ry’ikoranabuhanga. Icya mbere ni Bahamas, ndetse harimo n’ibihugu byo muri Afurika birimo Nigeria, Ghana na Afurika y’Epfo, aho bimwe biri mu cyiciro cy’igerageza mu gihe ibindi byatangiye kurikoresha.

Yavuze ko gahunda yo gutangira gukoresha iri faranga mu Rwanda yabanjirijwe n’inyigo yo kureba uko byakorwa. Ni gahunda yagizwemo uruhare na Banki Nkuru y’Igihugu, Minisiteri y’Ikoranabuhanga na Inovasiyo ndetse na Minisiteri y’Imari n’Igenamigambi.

Soraya Hakuziyaremenye yavuze ko “Ibyavuye muri iyi nyigo byatweretse amahirwe atandukanye ari mu gukoresha ifaranga ry’ikoranabuhanga mu Rwanda. Twabonye agera kuri ane dushaka kugerageza. Amahirwe ya mbere ni uko iri faranga ry’ikoranabuhanga rizaba rifite Ubushobozi bwisumbuyeho bwo gukora neza mu bijyanye n’uburyo bw’imyishyurire buhari uyu munsi, ndetse ryagaragaye nk’uburyo bwiza bwo kwishyurana mu gihe cy’ibiza n’ibibazo.”

Yakomeje avuga ko nubwo iri faranga ari ryiza hari impungenge nke barigizeho zishingiye ku kuba Abaturage batakwitabira kurikoresha.

Ati “Niba Banki Nkuru y’Igihugu ishyizeho ifaranga ry’ikoranabuhanga ariko Abaturage ntibabone inyungu zaryo, nta kiba cyakozwe. Ntabwo dushaka gushyiraho ifaranga ry’ikoranabuhanga kubera kurushyiraho gusa, ahubwo turashaka gushyiraho ifaranga rifitye inyungu Abaturage b’u Rwanda. Iyi niyo mpamvu twasohoye inyandiko y’ibyavuye mu bushakashatsi ndetse buri wese akaba ashobora kubitanga ibitekerezo, twiteze kubona ibitekerezo n’impungenge by’abaturage.”

“Dushingiye kuri ibyo bitekerezo twabonye Zimwe mu mpungenge abantu bafite ni iz’umutekano w’amakuru y’ibanga yabo, Ubushobozi bw’iryo faranga, no kuba dukeneye ubwishingiye kugira ngo iri faranga ritazahungabanya urwego rw’imari.”

Soraya Hakuziyaremenye yavuze ko mu minsi iri imbere hazatangira Ibikorwa byo kugerageza iri faranga n’ikoranabuhanga rikoresha. Ati “hashingiwe kuri urwo rugendo, turatekereza ko Byose bizaba byarangiye mu myaka ibiri iri imbere

Moses ISHIMWE