Amajyaruguru: Kwanga inoti zitarata agaciro biteza amakimbirane

Bamwe mu baturage bo mu Turere twa Musanze na Burera batangiye kwanga kwakira zimwe mu noti z’amafaranga y’u Rwanda, bitewe no kutumva neza gahunda yo kuzivugurura, bikaba bituma habaho amakimbirane hagati y’abaguzi n’abacuruzi, abakozi n’abakoresha ndetse n’abatanga serivisi zitandukanye.

Abo baturage bavuga ko hari abantu batangiye gufata inoti zose zo mu bwoko bw’amafaranga amwe nk’izigiye kuvaho, batitaye ku mwaka zakozwemo, bigatuma n’izo zitavanyweho agaciro zangwa igihe umuntu ashaka kuzishyura cyangwa kwishyurwa.

Uwingabire Josiane, utuye mu Murenge wa Cyanika mu Karere ka Burera, avuga ko iki kibazo kimaze kumubangamira, cyane cyane iyo agiye kwishyura abakozi bamukoreye cyangwa agiye kugura ibintu.

Yagize ati: “Kuva aho batangarije ko hari inoti zizahindurwa, bamwe mu baturage batangiye kwanga kwakira zimwe mu noti, ndetse hari n’izitaratangajwe ko zivuye ku isoko na zo bakazanga. Ibi bituma habaho amakimbirane. Urugero, iyo ugiye muri resitora ukishyura inoti umucuruzi akanga kuyakira, mushobora gushwana.”

Yongeraho ati: “Turifuza ko ubukangurambaga bwakomeza kugira ngo abaturage basobanurirwe neza izigiye kuvaho n’igihe bizatangira gukurikizwa, n’uwanga amafaranga agirwa inama.”

Avuga ko abaturage bakwiye kumenya ko gahunda yo kuvugurura inoti itavuze ko amafaranga yose afite agaciro kamwe ahita atakaza agaciro, ahubwo ko hakwiye kurebwa igihe buri noti yakoreweho.

Niyonteze Antoine, utuye mu Karere ka Musanze, avuga ko kugira ngo yirinde amakimbirane aterwa no kwanga inoti, yahisemo kutazongera gutwara amafaranga menshi mu ntoki, ahubwo akayajyana muri banki cyangwa akayabika kuri telefone.

Yagize ati: “Nabonye ko abantu batangiye kugira imyumvire itandukanye ku bijyanye n’inoti zizahindurwa, bituma mpitamo amafaranga menshi nyabika muri banki, andi nyabika kuri telefone. Sinshaka kujya mu makimbirane n’umuntu kubera inoti. Nteganya kongera gutwara amafaranga mu ntoki mu 2027, igihe abantu bazaba bamaze gusobanukirwa neza inoti zemewe gukoreshwa.”

Undi muturage wo mu Karere ka Musanze, Sibomana Joshua avuga ko iki kibazo kidakwiye gukomeza, kuko umuntu udasobanukiwe neza gahunda yo kuvugurura inoti ashobora kugirira nabi mugenzi we amwima agaciro k’amafaranga afite.

Yagize ati: “Hari igihe umuntu aba yakoze akazi agategereza ko ahembwa, ariko umukozi akamubwira ko atakira inoti afite. Ibyo biramubangamira kuko aba akeneye amafaranga yo gukoresha mu buzima bwa buri munsi. Abantu bakwiye kubanza gusobanukirwa neza inoti zigiye kuvaho aho kwanga amafaranga yose.”

Ibi bigaragaza ko ikibazo kitareba abafite inoti gusa, ahubwo ko gishobora no kugira ingaruka ku mikorere y’ubucuruzi n’imibanire y’abaturage, cyane cyane abakorera amafaranga make kandi bakoresha amafaranga mu ntoki.

Umuyobozi w’Ishami rishinzwe ibikorwa by’ifaranga muri Banki Nkuru y’u Rwanda (BNR), Nicole Muhire, avuga ko igihe cyo guhinduriza inoti mu bigo by’imari cyongerewe ukwezi, kikaba kizarangira ku wa 30 Ugushyingo 2026.

Avuga ko mu mezi icyenda yari yatanzwe mbere, ubwitabire bwari buke, ariko ko Banki Nkuru y’u Rwanda yari yariteguye ko bishobora kugenda bityo, bitewe n’uko izo noti zimaze igihe kinini zikoreshwa.

Yagize ati: “Muri aya mezi icyenda, ubwitabire bwari buke ariko twari tubyiteze, kuko aya mafaranga amaze imyaka 15 ashyizwe ku isoko. Uko rero twagendaga tuyacapa, akagaruka muri banki, ntabwo twajyaga tuyagarura ku isoko, twarayagumanaga. Igihe cyatanzwe ni icyo gufasha Abanyarwanda kugira umwanya wo kongera kujya kuvunjisha mu bigo by’imari bibegereye. Twongeye igihe cy’ukwezi kizarangira ku wa 30/11/2026.”

Akomeza avuga ko guhera ku wa 1 Ukuboza 2026 kugeza ku wa 1 Werurwe 2027, abazaba bagifite izo noti bazajya bazihinduriza ku cyicaro gikuru cya BNR kiri mu Kiyovu i Kigali no ku mashami yayo arimo irya Musanze, Rubavu, Rwamagana, Rusizi na Huye.

Inoti zizavaho ni iza 500 Frw zakozwe mu 2004 no mu 2013, iza 1000 Frw zakozwe mu 2004 no mu 2015, iza 2000 Frw zakozwe mu 2007 n’iza 5000 Frw zakozwe mu 2004 no mu 2009.

Ibi bivuze ko umuntu agomba kureba umwaka inoti yakozwemo, kuko hari izindi z’amafaranga angana na zo zizakomeza gukoreshwa.

Muhire avuga ko nyuma y’iyi gahunda ku isoko hazasigara amoko atandatu y’inoti, arimo iz’amafaranga 500 zakozwe mu 2019, iza 1 000 zakozwe mu 2019, iza 2000 zakozwe mu 2014 no mu 2024, ndetse n’iza 5000 zakozwe mu 2014 no mu 2024.

Izo ni zo zizakomeza gukoreshwa guhera ku wa 2 Werurwe 2027, mu gihe izindi zavuzwe haruguru zizaba zikuweho burundu.

Gahunda yo kuvugurura inoti igamije kubahiriza politiki igenga ifaranga, isaba ko ku isoko hatagomba kurenga amoko abiri ya buri gaciro k’inoti no kuvugurura ibimenyetso by’umutekano biziranga kugira ngo amafaranga arusheho kurindwa kwiganwa.

Ibi bigaragaza ko gukuraho inoti zimwe bidakwiye kuba impamvu yo kwanga amafaranga yose afite agaciro kamwe, kuko inoti z’amafaranga 500, 1000, 2000 cyangwa 5000 zidashobora gufatwa kimwe hatitawe ku mwaka zakozwemo.

Mu gihe abaturage bagifite igihe cyo kujya kuvunjisha inoti ziteganyijwe kuvaho, bakwiye gukoresha neza ayo mahirwe, bakamenya aho bazijyana n’igihe ntarengwa cyo kuzihindura.

Abacuruzi, abaguzi, abakoresha n’abakozi na bo bakwiye kumenya neza inoti zemewe gukoreshwa, bakirinda kwima bagenzi babo agaciro k’amafaranga bagendeye ku makuru batagenzuye.

Guhindura inoti ni gahunda igamije kuvugurura imikorere y’ifaranga, ariko kuyishyira mu bikorwa neza bisaba ko n’abaturage bahindura imyumvire, bakirinda ko kutumva neza amakuru bihinduka intandaro y’amakimbirane no guhungabanya ubucuruzi.