Bimwe mu birego byiganje mu byo Urwego rw’Ubugenzacyaha (RIB) yakira umunsi ku wundi habamo iby’abantu baba bariganyijwe amafaranga yabo n’abatekamutwe bakoresha amayeri atandukanye.

Aya mayeri bayakoresha bagendeye ku buryo bugezweho bwo gushaka amafaranga nko kuri internet ndetse bakayakoresha ku bantu baba badafite amakuru ahagije kuri ubwo butekamutwe cyangwa batagize amakenga ku byo babona cyangwa babwirwa kugira ngo birinde.

Bishingiye mu ibazwa ry’abantu batandukanye, harimo abafashwe bakora ubu butekamutwe ndetse n’ababukorewe, dore amwe mu mayeri asigaye akoreshwa hagamijwe kukwiba amafaranga yawe maze wirinde;

Kubeshywa ‘bourse’  yo kwiga muri kaminuza yo hanze cyangwa guhabwa akazi  

Hari company zivuga ko zishakira abantu amashuri yo hanze cyangwa akazi bakanabasha kubona ibyangombwa nka visa. Izi company ziba zanditswe kandi zinafite ibyangombwa bitangwa n'Urewgo rw'Igihugu rw'Iterambere (RDB) ari na kimwe mu byo berekena cyangwa babwira ababagana kugirango batagira impungenge.

Hari ndetse n’izamamaza kuri YouTube na Radio ko zitanga izi serivise. Iyo ugiye yo bagukoresha amasezerano yo gukorana nyuma yo gutanga amafaranga, bavuga ko ari ayo gufasha kugushakira ibyangombwa. Byagiye bigaragara ko akenshi iyo umaze kubaha amafaranga bakuraho telefoni zabo ukababura dore ko nta n'ibiro bizwi baba bakoreramo.

Iyo mwumvikanye gukorera amasezerano kwa noteri, hashira iminsi bakakohereza ibyangombwa bikwemerera kwiga (acceptance letter) ariko by’ibihimbano. Ku bijyanye na visa, bakubwirako baziranye n’ababikoramo muri za ambassade zitandukanye kugira ngo ubagirire ikizere ubahe amafaranga bagusaba.

Amafaranga yo kuri internet mu byitwa ‘Binance’

Ubu butekamutwe bukorerwa kuri internet aho ababukora muhurira ku mbuga nkoranyambaga cyanga bakakohereza email bakagusaba gufungura konti (account) kuri Binance. Hanyuma ukanagura amafaranga ya bitcoin kuri rubuga rwa Binance bagategereza ko idolari rizamuka kugirango bacuruze. Umuntu ukugurira ntabwo muba muziranye uretse kuvugana nko kuri Whatsapp cyangwa izindi mbuga nkoranyambaga.

Iyo ufunguye konti yawe kuri iyi website bakwereka uko amafaranga yawe agenda azamuka, ariko birangira utayabikuje ndetse nayo wagiye ushoramo utayabonye. Kugira ngo ubikuze bakubwira gushora amafaranga mu USDT/Crypto currency, hanyuma bakakohereza  utuvideo tukwereka uburyo bikorwa. Iyo umaze kwinjiramo, aba batekamutwe barabanza bakaguhaho make mu rwego rwo kukureshya no kugira ngo wumve ko nta kibazo kibirimo.

Iyo umaze gushoramo menshi wagejeje ayo bashaka kukuvanaho birangira bafunze system ukabura account yawe bityo n’amafaranga yose washoyemo bakaba barayakwibye.

Ubutekamutwe bw’Amadolari y’amahimbano

Aha umutekamutwe acunga abaje kuvunjisha muri banki cyangwa ku mazu avunjirwamo amafaranga (forex bureau). Uyu aba yateguye ibipfunyika by’impapuro ariko hejuru no hasi agashyiraho inote y’amadolari ku buryo bigaragara nk’aho ari ibipfunyika by’amadolari.

Uyu mutekamutwe arakwegera akagusaba kumufasha kuvunja kuko we yihuta akakubwira ko niba hari amanyarwanda waba ufite ahwanye n’amadolari afite cyangwa munsi yaho wayamuha we akigendera. Icyo gihe iyo utagize amakenga ugakora ibyo agusaba umuha amafaranga yawe akaguha cya gipfunyika cy’impapuro akaba arakwibye.

Hari n’abahamagara umuntu bakamubwira ko bafungiye muri gereza ya mageragera bakagusaba ko wazajya kumufatira amafaranga menshi afite ku muntu w’umusaza cyangwa umukeuru kuko we atazi ibyo kuvunja. Uwo musaza avuga baba bakorana, iyo wemeye guhura n’uwo musaza, arabanza akaguha inoti imwe y’amadolari 50 ukayivunja ugasanga koko ni nzima.

Hanyuma iyo abonye ko wamwizeye, uwo musaza hashira iminsi akazagusaba amanyarwanda ahwanye n’amadorali y’amahimbano afite. Icyo gihe iyo uyamuhaye aguha amadolari y’amahimbano agasiragarana amanyarwanda wamuhaye kandi mazima.

Ubutekamutwe bukorwa n’abakomisiyoneri ba ‘Banki Lambert’

Ni igikorwa cy’ubuhuza bukorwa n’abiyita abakomisiyoneri bahuza ufite amafaranga n’ufite ikibazo cy’amafaranga byihuse bakamufatirana bamukuraho inyungu nyinshi. Aba bakomisiyoneri bakagira amafaranga bagenerwa n’utanze amafaranga ndetse n’uyahawe. Mu nyandiko mukorana bavuga ko muguze ndetse mukajya no kwa noteri mugakora inyandiko.

Iyo inyungu z’ibihano bikomoka ku kurenza igihe cyo kwishyura Banki Lambert zibaye nyinshi, bagurisha imitungo yawe ukaba urahombye.

Ubutekamutwe bushishikariza abantu kujya mu bucuruzi bw’uruherekane (Pyramid Sheme) zihishe inyuma ya Food Supplements.

Ubu ni ubutekamutwe bwihisha mu buvuzi bw’inyongeramirire (Food Supplements) aho akenshi baba bagamije kwinjiza abantu mu itsinda ry'abakiliya babo hagamijwe ubucuruzi bw'uruherekane bw'inyongeramirire.  

Bakubwira gushoramo amafaranga kugirango ube umukiliya bazajya bahera iyo miti ku giciro cyo hasi. Hanyuma bakagusaba kwinjiza abantu mur’iryo tsinda kugirango ubone inyungu zikomoka ku mubare w’abo winjije.

Iyo ubuze abo winjizamo kandi warashoye amafaranga nta nyungu ubona kandi na ya mafaranga washoyemo ntuyasubizwe, kuko nta mutekano wayo uba uhari. Iyo iri tsinda ry’abakiliya rifunze, abantu barimo bose barahomba kuko ntaho ahurira n’uwashinze itsinda cyangwa niyo company icuruza inyongeramirire.  

Ubutekamutwe mu bucuruzi bwo  kugura no gukodesha imodoka

Aha abatekamutwe bihisha cyane cyane mu gukora amasezerano y’amahimbano yizeza inyungu zihuse cyane. Iyo watumije imodoka hanze, wabahaye amafaranga, baguha imodoka uba ugendamo kugirango wizere ko atari abatekamutwe kugeza igihe iyo watumye izazira, ariko mu byukuri baba bayikodesheje nabo. Ibi rero birangira ubuze uwo watumye imodoka ndetse imodoka wahawe y’intizanyo uyambuwe na nyirayo.

Abiyitirira abakozi ba MTN na Airtel bakagusaba kugira imibare ukanda kugira ngo baguhe serivise 

Umuntu araguhamagara yiyita umukozi wa Sosiyete y’itumanaho (MTN /Airtel) akumenyesha ko hari amafaranga yavuye cyangwa ayobeye kuri konti yawe ya MTN/Airtel akagusaba ko wabigenzura. Iyo urebye kuri telefoni yawe usangamo ubutumwa aba yoherejeho bugusaba gusubiza amafaranga wakiriye cyangwa akakubwira ko bagufungira konti. 

Nyuma iyo utagize amakenga ukemera ibyo bakubwira, baguha imibare ukanda kugirango usubize amafaranga bigakarangira ubohereje amafaranga yawe yari kuri konti yawe.

Abatekamutwe biyitirira abakozi b'Ikigo Gishinzwe Ingufu - REG 

Aba baguhamagara bakubwira ko mubazi yawe (compteur/meter) igutwara amafaranga menshi kandi kandi baguha umuriro wa make kuko mubazi yawe ifatwa nk’iri mu cyiciro cyo hejuru kandi babyibeshyeho. Hari n'abakubwira ko bashaka guhuza mubazi yawe na telefoni kugirangi uzajye wishyura make kandi mu buryi bworoshye. Iyo ubumviye, bakubwira imibare ukanda kuri telefoni yawe bikarangira bakwibye amafaranga yawe.

Ubutekamutwe mu bucuruzi bw'amabuye y’agaciro

Ubu bukorwa iyo baguhamagaye bakagusaba gushora amafaranga menshi mu mabuye y’agaciro bakwereka ko bafite impagararizi (sample) nzima ariko mu bubiko bwabo baba bashyizemo amabuye atari ayagaciro. Bakubwira ko bafite zahabu na coltan nyinshi cyane ku giciro gito ugereranije no ku isoko. Bakoresha impapuro mpimbano zigizwe n’impushya (export licence na RMB permit) babeshya ko isoko riri hanze (Dubai, Ubushinwa, n'Uburayi) bakagusaba amafaranga yo kubyohereza. 

Aba batekamutwe bakunze kugaragaza ko bafite imikoranire  mu nzego za Leta kugira ngo ubagirire icyizere.

Ubutekamutwe bw’abihisha inyuma y’ubuvuzi bwa gakondo

Ni ubutekamutwe bwihisha inyuma y’ubuvuzi bwa gakondo, bukifashisha imyemerere y'umuntu aho agendera kukizere cy’undi umwizeza ko avura indwara nka kanseri, SIDA, diabète, ubugumba, indwara zo mu mutwe n’izindi. Aha banakwizeza ko baguha ubukire, kugundisha umukoresha wawe, kugaruza ibyatakaye, n'ibindi byifuzo by'ubuzima ufite.

Usanga ahanini aba batekamutwe basaba amafaranga menshi mbere y’uko baguha iyo miti cyangwa bagukorera ibyo wifuza, aho birangira utabonye ibisubizo ku bibazo washakaga ko bikemuka.  

RIB irakomeza gukangurira abantu kugira amakenga, kugisha inama mbere yo kugira amafaranga batanga, inaburira abishora mu gukora ibi byaha kubireka ahubwo bagashyira imbaraga mu gushaka imibereho mu buryo bukurikije amatageko.