Murika App ikomeje korohereza abahinzi b’ibirayi kubona isoko n’ibiciro biboneye

Mu gihe urwego rw’ubuhinzi rukomeje kuba inkingi y’ubukungu bw’u Rwanda, ikoranabuhanga rikomeje kuzana ibisubizo bishya bigamije gukemura ibibazo byari bimaze igihe bibangamiye abahinzi. Muri ibyo bisubizo harimo: Murika App, urubuga rw’ikoranabuhanga rwahinduye uburyo ibirayi bigurishwa, aho ruhuza abahinzi n’abaguzi mu buryo butaziguye, rukagabanya abahuza kandi rugafasha impande zombi kubona ibiciro biboneye hifashishijwe apulikasiyo y’ikoranabuhanga iboneka muri telefone ngendanwa cyangwa muri mudasobwa.

Iyi gahunda yashyizweho na Murika Firms ku bufatanye n’Ikigo cy’Igihugu gishinzwe Iterambere ry’Ubuhinzi n’Ubworozi (RAB), binyuze mu mushinga wa Commercialization and De-risking for Agricultural Transformation (CDAT).

Igisubizo ku kibazo cyari kimaze imyaka

Mu myaka yashize, abahinzi benshi b’ibirayi bagurishaga umusaruro wabo ku giciro gito, nyamara ukagera ku masoko yo mu mijyi ku giciro kiri hejuru cyane.

Abahuza ni bo bakundaga kugura ibirayi bitandukanye ku bahinzi, bakabishyira mu byiciro bitewe n’ubwiza bwabyo mbere yo kubigurisha ku nyungu nyinshi. Ibi byatumaga umuhinzi adahabwa agaciro gakwiye k’umusaruro we, mu gihe umuhuza we yagurishaga ku giciro kiri hejuru.

Umuyobozi ushinzwe Ikoranabuhanga muri Murika Firms, Saad Byiringiro, avuga ko intego nyamukuru yari ugushaka uburyo umuhinzi yungukira ku musaruro we, ndetse n’umuguzi akabona ibiribwa ku giciro kidahanitse.

Yagize ati: “Twifuzaga gushyiraho uburyo butuma umuhinzi ahabwa igiciro gikwiye ku musaruro we, kandi umuguzi na we akabona ibicuruzwa ku giciro kiboneye.”

Uko Murika App ikora

Murika App ifasha abahinzi cyangwa amakoperative kwinjiza amakuru y’umusaruro bafite, harimo amafoto, ingano n’ubwiza bw’ibirayi.

Abaguzi bashobora kureba ibicuruzwa biri ku isoko, guhitamo ibyo bifuza, kwishyura hifashishijwe uburyo bw’ikoranabuhanga ndetse bakahitamo ko babigezwaho cyangwa bakabifatira ku bigo byabugenewe.

Mu rwego rwo kwirinda amakimbirane ashingiye ku bwiza bw’ibicuruzwa, ibirayi bishyirwa mu byiciro bine hifashishijwe imashini zabugenewe zibigenzura mbere y’uko bishyikirizwa umuguzi.

Murika Firms ni yo igenzura uburyo bwo kwishyura, amafaranga akoherezwa ku bahinzi mu buryo bwizewe kandi bwihuse.

Inyungu ku bahinzi

Imibare igaragaza ko kuva Murika App yatangira gukora, imaze gufasha kugurisha ibirayi birenga toni 420 bifite agaciro karenga miliyoni 232 Frw.

Kuri ubu, uru rubuga rukoreshwa n’abantu barenga 1,100 buri munsi, barimo abahinzi, abacuruzi, resitora n’abaguzi ku giti cyabo.

Murika Firms ivuga ko iri koranabuhanga ryongereye inyungu z’abahinzi ku kigero cya 18%, mu gihe ryafashije abaguzi kuzigama hafi 9% by’amafaranga bakoreshaga mbere.

Augustin Maniraho, umuhinzi w’ibirayi wo mu Karere ka Musanze, ni umwe mu bamaze kungukira kuri iyi gahunda. Avuga ko mbere yinjizaga amafaranga agera ku bihumbi 600 Frw mu gihembwe cy’ihinga, ariko nyuma yo gukoresha Murika App amafaranga yinjiza yiyongereye agera ku bihumbi 800 Frw.

Ati: “Amafaranga yiyongereye yamfashije kugura amatungo no kuvugurura inzu yanjye mu gihe gito.”

Guteza imbere ubuhinzi bushingiye ku ikoranabuhanga

Kugeza ubu Murika App ikorera mu turere umunani tw’u Rwanda, ariko abayishinze bavuga ko bafite gahunda yo kuyigeza no mu tundi turere ndetse bakongera n’ibindi bihingwa bitari ibirayi gusa.

Inkunga y’amafaranga arenga miliyoni 101 Frw yatanzwe na CDAT yafashije Murika Firms guteza imbere uru rubuga, guhugura abahinzi barenga 6,000, gutanga telefone zigezweho ku bahinzi bamwe na bamwe ndetse no kugura imashini zitondeka ibirayi n’iminzani zemewe.

Uyu mushinga kandi umaze gutanga imirimo 45, ugira uruhare mu kuzamura ubukungu bushingiye ku ikoranabuhanga.

Ikoranabuhanga nk’umusingi w’impinduka mu buhinzi

Abasesenguzi bavuga ko Murika App ari urugero rwiza rw’ukuntu ikoranabuhanga rishobora gukemura ibibazo byari bimaze igihe mu rwego rw’ubuhinzi.

Mu guhuza abahinzi n’abaguzi, kongera umucyo mu bucuruzi no koroshya uburyo bwo kwishyura, uru rubuga rufasha kuzamura inyungu z’abahinzi no gutuma ibiribwa bigera ku baturage ku giciro cyiza.

Mu gihe u Rwanda rukomeje gushyira imbere ubuhinzi bubyara inyungu kandi bushingiye ku ikoranabuhanga, Murika App ifatwa nk’imwe mu ngero zigaragaza uburyo udushya tw’ikoranabuhanga dushobora guhindura ubuzima bw’abahinzi no guteza imbere urwego rw’ubuhinzi muri rusange.