Gusaba inguzanyo muri Access Bank ni amahirwe aboneka ku Banyarwanda benshi bashaka kugera ku nzozi zabo no ku mishinga yabo. Hamaze kuba impinduka mu rwego rw’imari, aho gusaba inguzanyo byoroshye kandi bikihutirwa, cyane cyane hifashishijwe ikoranabuhanga. Ariko, ni ngombwa kumenya ibisabwa na Access Bank kugira ngo gusaba inguzanyo bigende neza.
Muri Access Bank, gusaba inguzanyo bisaba ko ugaragaza ibyangombwa nka indangamuntu, ibimenyetso by’aho utuye n’ibimenyetso by’imihigo y’umusaruro. Bitewe n’ubwoko bw’inguzanyo, banki ishobora gusaba ibindi bisabwa cyangwa andi makuru y’inyongera. Gutegura ibyangombwa byose mbere bizafasha gutanga icyifuzo no kugihutisha mu buryo bworoshye.
Access Bank izwiho gutanga inguzanyo zifite ibisubizo byiza n’imisoro y’ubucuruzi. Ubushake bwo gusobanura neza amabwiriza no gushyigikira imari ihuriweho bituma iyi banki ikundwa mu Rwanda. Kumenya ibisabwa no gusobanukirwa n’uburyo bwo gusaba inguzanyo ni ingenzi kugira ngo ushobore kungukira ku mahirwe atangwa na banki.
Ibyangombwa By’ingenzi Bisabwa
Mu gusaba inguzanyo muri Access Bank, hari ibyangombwa by’ibanze bya ngombwa. Icya mbere ugomba kuba ufite ni indangamuntu igaragaza ko uri umuturage wujuje imyaka y’ubukure. Ukeneye kandi kuba ufite konti kandi mu izina ryawe kandi ikora neza muri iyi banki. Ibindi byangombwa bishobora kuba birimo icyemezo cy’amavuko cyangwa ibindi bigaragaza umwirondoro wawe bwite.
Hari n’ibyangombwa bihamya aho utuye. Ubusanzwe, ibi bikorwa binyuze mu kugaragaza imenyekanishwa ry’aho utuye rimenyerewe ku rwego rwemewe n’amategeko. Kubona ibi byangombwa by’ibanze bikenewe birakorwa hakiri kare bizagufasha kwihutisha uburyo bwo gusaba inguzanyo. Birinda gusubiramo ibibazo byavuka kubera ikibazo cy’ibyangombwa.
Mu guhitamo uko uzatanga izo mpapuro, ni ngombwa ko utegura ibivugwa neza kandi neza bihuye n’ibyo banki isaba. Mu kugenzura ubuziranenge bw’ibyangombwa byawe, biguha icyizere cyinshi imbere y’abakozi b’iyi banki, bigatuma uburyo bwo kubona inguzanyo bukomera kandi bunoze.
Imyaka Fatizo Isabwa Gutangira Gusaba Inguzanyo
Urubyiruko rufite ibyiringiro byo kubona inguzanyo bigira uruhare runini mu iterambere ry’ubukungu. Access Bank isaba ko uwifuza inguzanyo aba afite imyaka fatizo yavuzwe, kugira ngo abashe kwemeza ko yiteguye guhagararira neza inshingano ze za ngombwa. Kuba ufite imyaka y’ubukure bifasha cyane mu kumenya niba umuntu ashobora kwiyemeza neza guhagararira ubwishingizi bw’inguzanyo.
Iyo unemerewe imyaka fatizo, bivuze ko ushobora gutera umutaru mu gukora ibikorwa byo kwishyura neza inguzanyo. Bivuze ko hari uruhushya ruvuga ko wemerewe gukora amasezerano n’iyo banki. Ubwo urabereye gushinga uburyo bwo kwishyura, kugira ngo ntihagire ibibazo by’ivangura mu gihe cyo kwiyemeza.
Uretse imyaka, iyi banki ifite uruhushya rwo kugenzura ubushobozi bwawe bwo kwishyura no kwishingira ko ushobora guhangana n’ibibazo. Ku buryo bunoze, kuba uri ku rugero rw’imyaka riteganyijwe bizaguha amahirwe yo gusaba inguzanyo. Ibigenerwa imyaka ifite aho bihurira no kuba ushobora kugera ku mipango myiza yo kubona inguzanyo.
Gutanga Ubuhamya bw’Imirimo
Ikimenyetso cy’uko ufite akazi kemewe kandi ka burundu gifite uruhare rukomeye mu buryo bwo kwemezwa bwa dosiye zawe muri banki. Access Bank ifite amategeko yimbitse agaragaza ko umukozi afite ibigwi bihamye mu kazi runaka. Iyo urimo akazi ka wowe, uramenyeshwa ko bigutegura neza mu gupanga neza ubuzima bw’inguzanyo.
Kubona icyemezo cy’umurimo bituma umwishingizi wa banki agira icyizere cyo guhagararira dosiye neza. Ibi birinda ikibazo cy’umuntu usaba inguzanyo adafite umushahara uhagije. Birakwiye gutegura umukozi wizewe ufite ibikorwa bihamye byo gukirigita ifaranga, akora ibi komeje kumenyesha ko ari ingenzi cyane mu kugabanya ibyago byo kugurizwa.
Nubwo utaba ufite akazi ka burundu, hari igihe amafaranga anyuze mu nzira zitandukanye. Kuba ufite ubushobozi bugaragara bwo kwiteza imbere binyuze mu bikorwa bigaragara ko ari ugukorera amafaranga nabyo bishobora kugufasha kwereka Access ukuthi ubasha kwishyura neza inguzanyo uba wifuza.
Ibindi Bisabwa ku Nguzanyo Zitandukanye
Abantu bamwe bakeneye inzira zijeje ubwishingizi zinoze ku nguzanyo zabo. Ibi bisaba ko Access Bank iba ifite ubuhamya burambuye ku bijyanye n’umutekano w’ukwishyura, binyuze mu byo batoranya kifitiye imbere. Nubwo bivugwa ko hari ubwo bamwe bashobora gusaba igihe kinini kandi gito.
Ikindi, biragenwa ko hari igihe hagera hakenewe kuba hari porogaramu zafashwe zitanga icyizere ku nguzanyo zitangwa. Ibi bisobanuye ko hari igihe usaba icyo atanga umwishingizi binyuze mu nzira zizewe zari zafitiwe icyizere. Ibi bishobora kuba byubaka umwete no gusobanura neza ko igihe gike cy’ifite ubuhamya buhagije bwo kwitabira.
Kugeza iyi ngingo, iby’umwishingizi ntabwo buri gihe ari ngombwa kugishwa inama muri buri nguzanyo yose. Ariko na ho, amateka meza y’amafaranga akora kugira ngo ibintu bikomere neza mu kugurizwa inguzanyo neza. Iyi nzira izoza imbere ufite ubushishozi bwo kugira ngo nyuma hazamuke ibyiciro by’ibikorwa byiza mu kwemeza dosiye y’inguzanyo.
Imikorere y’Inyungu ku Nguzanyo
Ubundi abenshi bifuza kumenya niba bahabwa inyungu z’inyuma mu kuguza inguzanyo. Access Bank isanzwe nkoze neza mu buryo bucyemura ikibazo cy’urugero rw’inyungu ziciriritse. Ubwo hamwe mu mahitamo ashyigikira uburinganire bufatika bukoresherezwa igihe cyose inguzanyo ihabwa umuntu.
Inyungu nyinshi kandi zemezwa hakurikijwe uburyo umuntu yagiye yitwara mu kugendana no gukora neza arya amafaranga asanzwe amutanzwe. Ibi bigenda bihinduka bitewe n’uko uko imihahiranire ihagaze. Gusobanukirwa ni byiza kugirango uramenyeshwa icyumweru kugimira icyijituro cy’uburyo bwo gushyira hamwe ubushobozi bwawe bwose.
Mu myumvire isokinwe yanakozwe kugan kugeza ubu muri iyi gahunda, kugirana ibiganiro byateguwe neza ndizera, uko birakuze, Ibigo ngarukanama y’ubucuruzi n’abinjira mu bucuruzi, birumvikana ko ibyo bigendana n’umutekano uyongereyeho. Inyungu nyinshi bitewe n’ibyifuzo by’inama zitekereje ko abakiriya babohokeye.
Umwanzuro
Mu rugendo rwo gusaba inguzanyo, kubahiriza ibisabwa ni ingenzi cyane kugira ngo umuntu yishyire mu mwanya mwiza wo kubona amafaranga akeneye. Iyimurwa ry’ibyangombwa ndetse n’imibereho myiza bigomba kwerekanwa neza kugira ngo umwishingizi agire icyizere cyo guha nyir’ukuyisaba amahirwe y’inguzanyo.
Access Bank igaragaza uruhare rukomeye mu gutera inkunga iterambere ry’umuturage ushimwa ko yerekanye ubushobozi bwo kwishyura neza. Inama nyamukuru ni uko usaba inguzanyo agomba guhora ategura neza ibisabwa byose hanyuma akumva neza gahunda za banki, bityo akitwara neza mu mishinga ye y’ubukungu.
