M-Shwari, uburyo bushasha bwo kuronka amahera

Haraciye amezi atandatu, Jane Adhiambo Achieng yasanze ataronse ingurane y’i 200 000 y’amehera y’amanyaburaya, mw’ibanki yo muri Kenya kugira ateze imbere urudandaza rw’ivyamwa n’imboga, nawe akaba yarafise amahera amake cane.

Niho yaca aronka ingurane biciye mu buryo bushasha bwa telephone yitwa M-Shwari. Uwo mukenyezi w’imyaka 42 akaba aronka ubu igitiri c’amahera agera ku bihumbi 400 y’amanyaburaya.
M-Shwari n’uburyo bushasha bugezweho butanga ingurane kandi buha akaryo abanywanyi bayo, kubugururira ama konte canke kubaha ingurane biciye kuma telefone ngendanwa.

M-Shwari ikaba igeze ku rwego rwo hejuru, M-Pesa (M ikoreshwa kuri terefone, Pesa amahera mu giswahili), kuva mu 2007 , ifasha abafise amaterefone y’abanyakenya bagera ku bice 70 kwi 100 , kurungika no kuronka amahera canke kuriha amafagitire batarinze gutonda imirongo mw’ibanke.
Kubw’ibanki nkuru yo muri Kenya, nk’abanyakenya bagera bagera ku miriyoni 12 kub’abanyagihugu bagera hafi imiriyoni 42 , ntibarashobora kwuguruza ikonte mw’ibanki. Icipfuzo n’uko, hamwe na M-Shwari, yokwugurura imiryango kuri abo bose boba bakeneye ingurane canke boba bakeneye kubitsa.

Muita Nzioka, ajejwe itumatumanako muri Safaricom , avuga ko bamaze kwibaza ingene boteza imbere M-Pesa kandi ko bazi ko hari ivyo bategerezwa kurengana kugira bagere ku mbibe nshasha.
Amabanki akaba yaratoye inyinshu yerekeranye n’ico gisata. Biciye mu buryo bushasha buri hejuru, Safaricom ivuga ko abanywanyi bayo bashobora kwugurura ama konte yabo igihe cose , gushiraho canke kubikura canke kuronka ingurane kuma shilingi 100 (ama faranga yaho muri Kenya) gusa kuri iyo konte.

Muita abandanya asigura ko bitanakenewe ko umuntu abanza kwuzuza ibisabwa ku mpapuro canke ngo abanze kwiyunguruza muyandi ma sikirisare. Igisabwa gusa ni « +clic, clic, clic+ ».
Ingurane zitegerezwa kwishurwa mu kwezi kumwe, ku kunguko kagera ku bice 7,5 kwi 100 ,bikaba biri munsi y’urya aja muma banki ya kera.
Ubwo buryo bushasha bwateye imbere mu kanya gato buranunguka kuva ku munsi wa mbere itanguye ibikorwa vyayo mu mpera z’umwaka w’i 2012, ama konte ashika 70 000 akaba yaruguruwe.

Kubwa Tiberius Barasa, umuhinga muvy’ubutunzi mw’ishuri kaminuza ryo muri Kenya riraba nivya politike , ngo kugeza ubu nta muntu numwe wo mw’ibanki ya kera yari bwiyumvire kushiraho ubwo buhinga bushasha. Abandanya avuga ko ama banki yose yo muri Kenya ashinze ijisho M-Shwari ko itoba ishaka kubaca imbere m’ubuhinga bwayo ikoresha.

Safaricom ikaba ijejwe kuraba amasoko y’amaterefone ngendanwa yo muri Kenya agera ku bice 70 kwi 100, ku banywanyi bayo bagera kumiriyoni 19, muri bo, imiriyoni 15 bakaba bafise ama konte yabo ya M-Pesa. Iyo M-Pesa ikaba yinjiza ku munsi muri Kenya , amahera arenga imiriyoni 50 y’amadodare, ni ukuvuga imiriyoni 38 y’amafaranga y’amanyaburaya.

Safaricom ikaba yatanguje M-Pesa ata banki iri kuruhande iyifasha. Kubwa M-Pesa yatanguye ibikorwa vyayo nk’ibanki yigenga ya kenya. (CBA :Commercial Bank of Afrika) , ikaba ifashwe ahananini n’umuryango w’umukuru w’igihugu mushasha muri Kenya, Uhuru Kenyata. Bikagaragara ko kubw’ivyo , CBA izoshobora gutera imbere.

Mu kwezi kwa Ruhuhuma, inyuma y’amezi atatu M-Shwari itanguye, iramaze guharura imiriyoni 235 yamadorare amaze , n’imiriyoni 1,6 y’abayikoresha baramaze gushirako canke gukurako amahera yabo.
M-Shwari ikaba iri mw’ihiganwa na Bhatri Arirtel, iyo nayo ikaba yatanguye imbere ya Safaricom , mu mwaka uheze. Ariko ntiyigeze ica imbere M-Shwari. Safari ikaba ifise abanywanyi benshi ubu.