Ni gute wohereza amafaranga aturuka cyangwa ajya mu mahanga

Banki y’isi ivuga ko nibura buri kwezi, amafaranga arenga ibihumbi 200,000 by’amafaranga y’u Rwanda byoherezwa mu Rwanda n’abanyarwanda baba mu mahanga. Ndetse n’abanyarwanda na bo, hari andi bohereza mu mahanga. Ariko ushobora kuba wibaza uti, ese ni gute njye nabikora ngo nohereze cyangwa nakire amafaranga. Cyangwa ukaba wibaza uburyo bwiza kurusha ubundi wakoresha:

Kera uburyo bwakoreshwaga, umuntu yajyaga kohereza amafaranga bikamusaba kuyaha umuntu akayamujyanira cyangwa akayohereza mu ibahasha, kugira ngo agere kuri mugenzi we. Bivuze ko habaho kwifashisha ikoranabuhanga dukunze kuvuga ko ryagize isi umudugudu. Iryo ni ikoranabuhanga rya murandasi (internet).

Ukoresheje murandasi, uwakira ashobora kwakira amafaranga binyuze muri ubu buryo:

1. Akajya kuyafata ku biro by’ibigo bikora ubu buryo. (Cash pickup)
2. Amafaranga ayakira kuri telephone ye hifashishijwe ibigo by’itumanaho. ()
3. Amafaranga ayakira kuri konti ya banki. (Wire transfer)
4. Kwakira binyuze kuri Crypto Wallet.

Tugiye kureba bumwe mu buryo bwifashishwa bitewe n’uko amafaranga arakirwa.

Cash pickup

Bimwe mu bigo bigufasha kwakira amafaranga muri ubu buryo harimo World Remit, Money Gram, Remitly na Western Union, mu Rwanda. Amafaranga ukayakira binyuze ku ba ajenti ba bo.

Mbere na mbere nkuko ubibona kuri aya mafoto, uhitamo umubare w’amafaranga ugiye kohereza, ugahitamo igihugu ugiye koherezamo, noneho ugahita ubona uko ayo mafaranga ugiye koherezamo agereranywa n’amadolari cyangwa n’ayo ukoresheje wohereza.

Nyuma y’aho baguhitishamo uko uwakira azakira amafaranga. Uhitamo bumwe muri bwa buryo butatu twavuze, noneho ugahitamo na we uko urishyura. Ushobora gukoresha ikarita ya banki (VISA cyangwa Mastercard), cyangwa ukishyura ukoresheje telephone (serivise zimwe zirabyemera), cyangwa ukaba ufite konti ku rubuga ugakoresha amafaranga abitse kuri iyo konti.

Ni gute uwakira abona amafaranga?

Iyo amafaranga umaze kuyohereza, uwakira, umuha nimero uhabwa iranga ihererekanya (Reference Number / Transaction Number), cyangwa we akayiguha (iyo ari wowe wakira). Noneho akayijyana ku mu ajenti w’iyo serivise akamuha amafaranga. Hari aba ajenti bari hirya no hino mu gihugu bakoresha izi servise. Cyangwa ukajya kuri mashami rya banki ari hitya no hino, nk’aya Equity Bank, GT Bank, KCB Bank, Unimoni, n’Amasezerano Community Banking.

Uba ugomba kuba ufite izina ry’uwohereza. Amafaranga yoherezwa ashobora kugera kuri miniyoni zirenga 3 n’igice bitewe n’aho urayabikuza. Ikindi kandi cyiza ku gukoresha ubu buryo ni uko amafaranga akugeraho mu minota mike cyane, ukaba wayabona uwohereza akimara kohereza.

Kwakira kuri telephone

Wifuza ko uwakira azabona amafaranga kuri telephone ye ku murongo w’itumanaho ukoreshwa mu Rwanda, zimwe muri serivise cyangwa imbuga wakoresha harimo nka ziriya twavuze haruguru, hakiyongeramo izindi nka HeptaPay, Pay Send, M-Pesa Global, n’izindi.

Iyo ugiye kohereza amafaranga uhisemo ko umuntu arakira binyuze kuri Mobile Money cyangwa Airtel Money, usabwa gutanga numero ye ndetse n’amazina ye, ugahitamo n’uburyo na we ugiye kwishyura.

Menya uko wakoresha Hepta Pay.

Iyo amafaranga yakiwe kuri telephone n’uwakira, we nta kindi asabwa gukora. Amafaranga ahita ayabona kuri telephone ye, akaba yatangira kuyakoresha. Ubu buryo bushobora gutwara iminsi iri hagati y’umunsi umwe n’iminsi irindwi.

Kwakira kuri konti ya banki

Nk’uko twabivuzeho muri Wari Uzi Ko twakoze kuri SWIFT, banki zitandukanye ku isi, zifite uburyo zibasha gukorana, ndetse n’uburyo zihererekanya amafaranga. Kubera iyi mpamvu, birashoboka ko wakohereza amafaranga kuri konti ya banki y’undi muntu uri mu kindi gihugu. Ibi bikorwa nk’uko twabikoze hejuru, ugahitamo Bank Account mu gihe uhitamo uko undi muntu arakira amafaranga. Zimwe mu mbuga zagufasha kohereza kuri Banki twavugamo nka Western Union, Money Gram, Remitly, World Remit, Internet banking cyangwa ukagana banki yawe bakagufasha kohereza ayo mafaranga.

Iyo ugiye kohereza, usabwa konti ya banki y’uwo ugiye koherereza, amafaranga ugiye kohereza, amazina y’uwo muntu, ndetse na SWIFT Code y’iyo banki. Iyi CODE ushobora kuyibona ugiye ku rubuga rwa banki yawe, cyangwa ukagana ishami rya bo bakagufasha. Aya makuru atandukana bitewe n’aho uri kohereza, ariko mu Rwanda aya aba ahagije.

Nakwibutsa na none ko iyo uhisemo kohereza kuri banki, zimwe mu mbuga zishobora kugusaba gukoraho konti. Noneho numara gukora konti, uhitemo uburyo urishyura.

Iyo wohereza, uzasabwa kwemeza amategeko n’amabwiriza ukanze kuri “ACCEPT”.

Kwakira binyuze muri Crypto Wallet

Sobanukirwa Crypto icyo ari cyo

Crypto currency, ni ubundi buryo wakwifashisha woherereza umuntu amafaranga. Crypto Currency nkuko twabivuze mu nyandiko ivuga kuri Crypto Currency, ni ubundi bwoko bw’amafaranga nk’uko tuvuga amadolari, amanyarwanda, amayelo, amarundi, n’andi. Iyo ukoresheje Crypto wallet ukoherereza umuntu crypto kuri wallet ye, yakira crypto nk’iyo wamwoherereje, akaba yayihindura mu bwoko bw’amafaranga bukoreshwa mu gihugu cye.

Zimwe muri gahunda za mudasobwa zagufasha, harimo Coinbase, Exodus, n’izindi, mu Rwanda hari iyitwa Yellow Card. Izi gahunda zigufasha kugura crypto, ari cyo gikorwa cyo guhindura amafaranga asanzwe muri crypto, noneho zigafasha n’undi wakira kwakira kuba yahindura mu mafaranga akoreshwa mu gihugu cye.

Iyo ugiye koherereza umuntu amafaranga ukoresheje wallet, uwo muntu aba agomba kuguha code ye yo kwakira ya Ethereum, noneho ukaza kuyikoresha wohereza. Birashoboka ko wakohereza umuntu wakira akaba adafite wallet nk’iyo ufite. Ikiza cya Yellow Card, ni uko ishobora kukwemerera kubikuza crypto kuri Mobile money mu Rwanda.

Icyitonderwa: Crypto ntabwo igenzurwa na leta iyo ari yo yose, iyo ugize ibibazo mu kwakira amafaranga, biragiye kubona ubufasha. Nuyikoresha uzirengera ingaruka cyangwa ibibazo bishobora kubaho.

Ubi nibwo buryo bukoreshwa mu kohereza amafaranga ku bantu bari mu Rwanda, cyangwa bo boherereza abari hanze. Urahitamo uburyo butandukanye bitewe n’icyo ukeneye cyangwa n’ubukorohere. Izi mbuga zitandukanye zigiye zisaba ibintu bitandukanye ariko igice kinini birasa.

Ibi ni bimwe mu byo benshi bajya bibazaho. Ariko twabashije kubisobanura ku buryo bidakomeza kuba ubwiru ku basomye iyi nyandiko. Gusa ntihabura bimwe mu byo ukeneye gusobanukirwa kurushaho. Ntuzuyaze kutubaza, cyangwa niba hari andi makuru ufite, uduhe inyunganizi, ubumenyi bukura busangiwe. Wifuza guhura n’abantu muganira ku ikoranabuhanga, mugahana ibitekerezo, injira muri Group yacu ya WhatsApp. Wifuza gukorana na twe, nyura hano, wuzuze form, noneho dukorane, cyangwa utwandikire kuri email info@techinika.com

Ibihe byiza!