Language version


How Rwanda Fixed Land Challenges To Ease Doing Business




Reforms in Rwanda’s land tenure have propelled the country to become one of the most secure places to own land in the world, according to Prindex survey report published in September.

The World Bank in its Doing Business Report 2020, ranks Rwanda number 3 in the world for having made the most business friendly reforms in registering a property.

Twenty five years ago when Rwanda slipped into the genocide against the Tutsi, the land policy just like other policies, was very discriminative and largely caused constant rifts in communities.

The current government, in 2009, launched its land tenure registration as part of sweeping reforms to fix the land tenure system with objectives of achieving economic viability and social cohesion.

Rwanda is among the most densely populated places on earth with a 12 million people on a total surface area of only 26,338 square kilometers.

About 11.4 million parcels of land have been registered and owners issued with certificates which they can ably present as collateral in banks to obtain loans.

The documents also have helped in phasing out land related disputes.

“We have developed a paperless land registry replacing the physical stamp on land titles with an electronic QR code that can be obtained at the nearest land offices across the country,” says Grace Nishimwe, Head Of Land Administration Department at Rwanda Land Management and Use Authority (RLMUA).

According to Nishimwe, the phasing out of the physical stamp and adoption of QR code is aimed at eradicating forgery of land titles.

“For industrial and commercial properties, we have another reform where notarization of the transfer contract and registration of the transfer are being processed in the same place and thus the investor can get the land title in one day,” Ishimwe explains.

This is important for doing business and its implementation has eased the environment of doing business in Rwanda.

Ishimwe further explains that when “you have land and you can’t prove its ownership, there is definitely no security and the buyer cannot prove that you are the genuine owner. But with the first registration people have secured land rights and have been able to invest.”

For investors, documented land and existence of commercial court system have increased their trust and confidence in the country thus very attractive to doing business.

Finalize registration at the District Land Registry and obtain new deed

Agency : District Land Registry

The seller takes the authenticated sale agreement, the registration receipt and the certificate of good fiscal standing to the Land Registry and files a request of the transfer of property.

The documents to be provided are the following:
(1) Completed form to request the transfer
(2) Original property title
(3) The notarized sale agreement
(4) Copies of identification of the buyer and seller
(5) Proof of payment of transfer and notarial fees equivalent to twenty seven thousand Rwandan Francs paid into the bank account of the district where the land is located.

Once the request is made at the District Land Registry level, the document will be scanned and sent to the Rwanda Natural Resources Authority where it will be approved and the new title signed. The new title will then be sent to the District Level where the new owner will come and pick it up

All the  the processes can be conducted digitally on IREMBO, a portal that facilitates access to and payment for government services. 

“Before the introduction of the digital processes and the issuance of the QR Code to replace our signatures, it was very easy for people to forge our signatures or stamp and illegally acquire other people’s land,” says Esperance Mukamana, the Director General and Chief Registrar of the  Rwanda Land Management and Use Authority (RLMUA).

“It is also not necessary to have hard copies of your documents to process your applications,” she says.

Click here for more Doing business reforms

1 Comment

Leave a Reply

Your email address will not be published. Required fields are marked *


Airtel Rwanda Partners With Canal+ To Ease Payment Of Subscription Fees Via Airtel Money



Airtel Rwanda and Canal+ Rwanda have launched a partnership, enabling customers to easily make subscription payments.

The partnership announced at a joint press conference today provides clients of both CANAL+ and Airtel a simpler, instant and secure payments method using Airtel Money.

CANAL+ Rwanda is the subsidiary of CANAL+INTERNATIONAL, TV operator by satellite in Africa and present in over  25 African countries.

CANAL+ Rwanda have a trilingual package with 200 channels in French, Kinyarwanda and English and it offers accessible bouquet starting from 5,000 Francs with a distribution network throughout the country.

Speaking at the launch event, Airtel Rwanda Managing Director, Mr. Emmanuel Hamez said “We are delighted to launch this new service on our Airtel Money platform we welcome all Canal+ customers to enjoy the convenience and simplicity offered by Airtel Money both on the USSD as well as in the My Airtel App”.

The new service that was launched today comes on the heels of an ongoing Airtel Money campaign called Free P2P which enables all Airtel Money customers to send and receive any amount of money for FREE.

“Free P2P or Ohereza Amafaranga Ku Buntu was launched in June 2021 saw Airtel scrap all charges to send and receive money between customers, a major differentiator that positions Airtel Money to become the provider of choice when it comes to payment of good and services such Canal+ that we have launched today” added Hamez.

Canal+ Rwanda’s Managing Director, Madam Sophie TCHATCHOUA said “It gives me great pleasure to allow Canal+ client to renew their subscription with Airtel Money. The successful integration of our mutual services makes life easier for our beloved customers who can now recharge and seamlessly have their images back and all this can be done from the comfort of their home”.

To renew your subscription via Airtel Money, customers can simply dial the direct short code string *500*4*3*2*4*1# on either their smartphone on feature phone, input their 14 Digit of their decoder  number, select their preferred bouquet and make the payment which is recognized by the Canal+ billing system instantly.

Continue Reading


Hundreds Of Passengers Miss Flight In Uganda Due To Delayed COVID-19 Tests



Hundreds of Ugandans have been left stranded at Entebbe International Airport by the Emirates Airways after the laboratory where they had taken their Covid-19 results delayed to return them on time.

In a Snapchat post by Ugandan socialite Sheila Gashumba, she ranted, ‘’When I tell Ugandans that Covid in Uganda is a business they say I have ‘kajanja’.

Now all Emirates passengers have missed their flights because Safari Lab sent Covid results at 2:45pm and Emirates closed its gate at 3pm.

The hospital said it couldn’t work on everyone in the short time.

Around 300 passengers missed their flight yet Safari Lab had made a total of UgSh75m since everyone had paid UGX 250,000 for the test.

In the video where all passengers were visibly angry and frustrated, they can be heard asking for what the solution is and who is going to pay for the tickets again now that those that they had paid for can no longer be used anymore.

Passengers expressed their frustration at the rot in the service.

“I experienced such thing in March as the officers in charge claimed that the gates were close at 1pm as the flight was at 3pm,” one twitter user said.

Some made jokes out of it and asked, if this was because of the US$10 tax that is in the process of being introduced and will be paid by anyone that leaves the country using the Entebbe International Airport.

Another twitter user @kasoxialex2000 asked, ‘’@UgandaCAA (Uganda Civil Aviation Authority), but seriously you guys when you move to some airports don’t you copy something? Why are we ever backwards??? Stop embarrassing us. Who will save Uganda’’
By press time there was no official communication from the Civil Aviation Authority, Safari Lab nor Emirates Airways.

Continue Reading


Kagame Tells Bankers, Banking Can’t Just Be “Service For Elites”



Banking can’t just be a service for elites, President Paul Kagame has said.  He made the remarks while speaking at the 14th Annual Banking and Finance Conference in Nigeria that he attended virtually.

Running under the theme, ‘’Economic Recovery, Inclusion and Transformation: The Role of Banking and Finance’’, the two-day conference will aim at the need to reposition the Finance and Banking sector as a catalyst for Economic recovery, transformation and inclusive growth.

In his remarks, he noted how the Covid pandemic has affected every aspect of Africa’s economies but at the same time also presents an opportunity for African banks to play a leading role in making societies more resilient and more responsive to the needs of Africans.

‘’Whatever affects business, affects banking. Financial services are the engine of private sector development. Banks are crucial for allocating capital wisely and productively,’’ he further added.

President Kagame noted that, in order to stay competitive, there is need to keep integrating new technology into banking to increase financial inclusion and access as banking can’t just be a service of elites.

He also went ahead to reemphasize what he has always said when it comes to African states always depending on the West and other countries for support. ‘’Indeed, Africa has the resources to fund its own economic growth and reduce dependence on external resources,’’ he said.

Kagame also noted that the African Continental Free Trade Area is creating new opportunities for Pan African Trade and investment. ‘’Banks with continental reach, like several of the institutions represented here can lead the way in cementing economic integration.’’

As he concluded, he stated how the banking sector, more than any other, understands the importance of integrity and good customer service. ‘’Banking is ultimately about trust. We look to you to set the pace in this regard. Our role as governments is to maintain good enabling environments, protecting both shareholders and customers while allowing for innovation. We expect you to keep challenging us on this,’’ he said.

In attendance at the same conference was the Central Bank of Nigeria Governor Edwin Emefiele who made a huge announcement.  He said, ‘’Central Bank, will, in the next twelve months be establishing the Nigerian International Financial Centre (NIFC). The NIFC will act as an international gateway for capital and investments, driven by technology and payment system infrastructure.’’

In Rwanda, current statistics show that even though there are still various challenges that continue to put women behind men when it comes to financial inclusion, the number of women who are currently banked have risen from 24% in 2016 to 34% in 2021.

This is according to a FinScope 2020 Gender thematic report on the state of women financial inclusion in Rwanda that was supported by Access to Finance Rwanda (AFR).

In one of the Focus Notes from Access to Finance Rwanda, farmers reported that women and men enjoy equal rights and treatment at specified two Financial institutions in the Focus note and therefore no special gender based treatment yet the outcomes of each groups are not equal.

At both Financial Institutions, women and youths are more likely to use loans to hire land farm as they lack access to land and they have been assisted by addressing some of the barriers that women and youth face in accessing loans.

The conference will therefore focus on how banking can be a service enjoyed by all Africans regardless of their financial strengths through making access to finance for development is an easy and smooth process.

Continue Reading


Share via