Abakora mu ruhererekane nyongeragaciro mu buhinzi mu Rwanda barasaba Banki yihariye

Bamwe mu bakora mu ruhererekane nyongeragaciro mu buhinzi basaba ko bashyirirwaho Banki yihariye ibashinzwe ku buryo yajya ibaha inguzanyo batabanje gusiragira mu bindi bigo by’imari.

Abavuga ibi ni abakora ubuhinzi, aborozi hamwe n’ababyaza umusaruro imyanda ibikomokaho igakorwamo ibintu bitandukanye birimo ifumbire y’imborera cyangwa ibiryo by’amatungo. 

Bavuga ko bagorwa no kubona ibyangombwa by’ubuziranenge bw’ibyo bakora, bikababera imbogamizi mu kubona nguzanyo nu bigo by’imari.

Mu nama nyunguranabitekerezo yateguwe n’Ikigo cy’Igihugu cy’ubushakashatsi n’Iterambere mu by’Inganda (NIRDA), binyuze mu Kigo kigamije kunoza Imikoreshereze y’Umutungo Kamere no guhanga udushya mu guhangana n’Imihindagurikire y’Ibihe (Cleaner Production and Climate Innovation Centre/ CPCIC Rwanda), ku bufatanye n’Umuryango mpuzamahanga uteza imbere umutungo kamere (World Resource Institute-WRI) yabaye ku wa Kabiri.

abakora mu buhinzi n’ubworozi n’ibigo by’imari bahujwe kugira ngo barusheho gusobanukirwa. 

Mukagacinya Agathe ukora ubuhinzi bworozi bubungabunga ubutaka abinyujije mu kuvanga imyanda y’ibyavuye mu gikoni n’ibikomoka ku matungo, avuga ko kubona inguzanyo bikiri imbogamizi ku mikorere yabo.

Ati: “Nk’umuhinzi kubona inguzanyo muri Banki ntabwo byoroshye, n’iyo uyisabye barabanza bakareba byinshi harimo n’imihindagurikire y’ikirere. Niba mu gihembwe gishize umuhinzi atarejeje, birumvikana Banki izahomba kandi ku yindi nshuro ntizamwizera, ugasanga rero kubona inguzanyo bigoye.”

Akomeza agira ati: “Twebwe icyo twasaba habeho Banki ishimzwe ubworozi n’ubuhinzi, kugira ngo ya nka nipfa cyangwa ntitange umusaruro neza babe na bo babibona kuko baba bafite abakurikirana iyo batanze inguzanyo, kuko izindi usanga zikurerega, ugahora mu nzira, hashira igihe bakazakubwira ngo byaranze, nibashake ingamba zorohereza abahinzi n’aborozi.”

Dominique Savior Imbabazi ukora ubworozi bw’udusimba kugira ngo batwifashishe bakora ifumbire, avuga ko hakwiye kubaho ubufatanye hagati y’ibigo bibashinzwe.

Ati: “Amafaranga twe ntitunayabona, kuko turi mu bukungu bwisubira bw’ibishingwe, kugeza ubu banki ntizinabyumva, hari ubwo ubegera ukababwira ibyo ukora, bakavuga bati ibishingwe ntitwashyiramo amafaranga yacu, hashyirwaho banki yajya yorohereza abakora mu bukungu bwisubira.”

Umukozi ukora mu bijyanye na politike iteza imbere ubukungu bwisubira mu Muryango Mpuzamahanga uteza imbere umutungo kamere Munyurangabo Jonas, avuga ko imwe mu ntego zabo ari ukumvisha ibigo by’imari gutanga inguzanyo ku bari mu bukungu bwisubira kandi ko byatangiye gutanga icyizere.

Ati: “Intego yacu muri iyi nama ni uguhuza abafatanyabikorwa cyane cyane amabanki, kugira ngo batange ibisubizo ku bibazo by’ibigo bito bibarizwa mu bukungu bwisubira bifite. Kugeza ubu hari icyizere ko ibigo by’imari bitangiye kubyumva, kuko nkabo byatwoherereje babakorera mu gutanga inguzanyo abenshi bize ubuhinzi, ni intambwe ikomeye kuko ururimi abahinzi bavuga n’abatanga inguzanyo bararwumva.”

Umuyobozi Mukuru ushinzwe Ubuhinzi muri Minisiteri y’Ubuhinzi n’Ubworozi Dr. Karangwa Patrick, avuga ko inguzanyo ijya mu buhinzi ikiri nke cyane.

Ati: “Imibare igaragaza ko 6% by’inguzanyo zose za banki ziri mu Rwanda 6% gusa ni yo ijya mu buhinzi, inguzanyo nyinshi zijya mu kubaka amazu, imiturirwa, ishoramari rindi abafite ubucuruzi bakora, ariko mu buhinzi iracyari nke cyane. Akenshi usanga mu buhinzi baba batekereza ko byahomba batizeye ko ishoramari ryabo ryakunguka.”

Arongera ati: “Leta yunganira 40% abahinzi by’ikiguzi bibasaba kugira ngo ubuhinzi bwabo bube bwishinganye, byose ni byo Leta ikora kugira ngo banki zitinyuke kongera imari ijya mu buhinzi.”

Ikirezi Murenzi Fabiola ni umukozi wa Ireme Invest, umushinga ukorera n’Ikigega cy’Igihugu cy’Ibidukikije (FONERWA), asobanura ko bakorana n’abahinzi ndetse n’abandi bafite imishinga ikeneye guterwa inkunga no guhabwa inguzanyo, bakabanza kubahugura babifashijwemo n’irararibonye kuri iyo mishinga.

Ati” Ireme Invest ku bufatanye na Banki y’u Rwanda y’Amajyambere (BRD) na FONERWA, dutanga ubwunganizi mu by’ubukungu butandukanye harimo amafaranga asubizwa cyangwa se adasubizwa ndetse n’inguzanyo.  Mu byukuri aya mafaranga asubizwa ni ayo gufasha imishinga kuva ku rwego rumwe kugera kurundi, tugatanga n’inguzanyo iri kuri 12%.”

Yakomeje ashimangira ko banafasha abakora muri urwo rwego binyuze mu kwakira imishinga yabo bakabafasha mu bya tekiniki.

Ati: “Twakira imishinga 30 noneho hagashakwa inararibonye kuri iyo mishinga, by’umwihariko iyo kubyaza umusaruro imyanda, hagatoranywamo imishinga 10 iterwa inkunga igahabwa inguzanyo.”

Gahunda ya Minisiteri y’Ubuhinzi n’Ubworozi y’igenamigambi ryo kwihutisha ivugururwa ry’Ubuhinzi mu myaka itanu iri imbere (PST), iteganya ko nibura inguzanyo ijya muri urwo rwego igomba kuzamuka ikagera nibura 10% nk’urwego rufite 25% mu bukungu bw’Igihugu.