Bitandukanye no mu myaka ya kera, kuri ubu Isi yabaye nk’umudugudu aho umuntu ashobora kwirirwa mu Rwanda, akarara i mahanga.
Muri izi ngendo zaba iz’akazi, ubucuruzi cyangwa se ubukerarugendo, umuntu akenera amafaranga ariko kandi kuyagendana mu mufuka bikaba bishobora kuzana ibyago birimo no kuyibwa.
Niyo mpamvu abanyarwanda n’abandi bamenye gusirimuka, bagendana amafaranga mu buryo bw’ikoranabuhanga hakoresheje amakarita atandukanye atangwa na Cogebanque arimo n’adasaba kuba ufite konti muri iyi banki.
Cogebanque nka banki Nyarwanda ariko ireba kure, yahisemo kuzana amakarita ya Banki akorwa na MasterCard, ibifitemo uburambe kandi ku Isi yose ukaba ushobora gusanga ibyuma biyakira.
– Debit Card
Mu makarita itanga harimo Debit Card, igufasha kugera ku mafaranga ari kuri konti yawe bitabaye ngombwa ko ujya ku ishami rya Cogebanque cyangwa uyihagarariye.
Uretse kuba iyi karita ushobora kuyikoresha mu kubikuza amafaranga ku cyuma (ATM), wanayikoresha wishyura ibicuruzwa na serivisi haba mu maduka hakoreshejwe akamashini bakozamo ikarita (POS), cyangwa mu gihe ibyo ushaka kugura biri kuri Internet.
Hari kandi ‘Mastercard Prestige’, igenewe abakiliya b’imena by’umwihariko, aho uyifite aba yemerewe guhita ahabwa serivisi igihe ageze ku ishami ryose rya Cogebanque.
– Prepaid Card
Hari na Prepaid Card, ikarita ishobora gukoreshwa n’uwo ari we wese ugana ishami rya Cogebanque, agashyirirwaho amafaranga yifuza ku buryo ushobora kuyikoresha mu kwishyura no guhaha.
Iyi karita ifite umwihariko wo kuba kuyikoresha bidasaba kuba ufite konti muri Cogebanque kandi uba ushobora kugera ku mafaranga yawe igihe cyose ubishakiye.
Ukeneye iyi karita ugana ishami iryo ari ryose rya Cogebanque witwaje amafaranga wifuza ko bagushyiriraho, ikarita yawe ugahita uyitahana.
– Credit Card
Hari na Credit Card, aho uwayihawe agurizwa amafaranga ashobora gukoresha mu guhaha, kwishyura serivisi cyangwa ibindi bintu no mu gihe ntayo afite kuri konti ye.
Ayo mafaranga uba wagurijwe nyuma yo gusuzuma ubushobozi bwawe mu kwishyura inguzanyo, yishyurwa mu gihe cy’iminsi 55.
Nubwo igenewe cyane abasanzwe bafite konti muri Cogebanque, umukiliya mushya nawe ashobora kuyikoresha, aho asabwa kubanza kugira amafaranga ashyira kuri konti yunguka ariko adafite uburenganzira bwo kubikuzaho uko ashaka (Compte bloqué).
Uretse kuba aya makarita uko ari atatu atuma urushaho kwizera umutekano w’amafaranga yawe, iguha ubushobozi bwo guhaha no kwishyura serivisi ku bacuruzi basaga miliyoni 35.9 hirya no hino ku Isi nta kiguzi cy’inyongera uciwe.
Ushobora no kubikuza kuri ATM zisaga miliyoni imwe ziri mu bihugu hafi ya byose ku Isi.
