Byinshi ku rubuga “Iwanjye” rwagufasha gutunga icumbi rigezweho mu Rwanda

Leta y’u Rwanda ikomeje guharanira ibisubizo birambye bishimangira Icyerekezo 2050, aho Igihugu kizaba gituwe n’abasaga miliyoni 22.1 mu myaka 30 iri imbere. Icyo gihe bizasaba ko hejuru ya 70% bazaba batuye mu mijyi aho imiturire n’imiterere y’inyubako bigomba kuba bijyanye n’igihe, bihendutse kandi bishobora kurinda abaturage kwibasirwa n’ibiza birimo n’ibishingiye ku mihindagurikire y’ikirere.

Bivugwa ko mu Rwanda hakenewe kubakwa inzu zo guturamo zisaga 150,000 buri mwaka, kugira ngo hazagerwe ku macumbi ajyanye n’igihe asaga miliyoni 5.5 azaba akenewe mu mwaka wa 2050 ngo buri wese azature heza, hagezweho kandi hatekanye.

Mu mwaka wa 2019, Ikigo Mpuzamahanga Kigenzura Iterambere (IGC) cyakoze ubushakashatsi ku macumbi akenewe mu Mujyi wa Kigali wonyine, bugaragaza ko uyu mujyi ukeneye nibura inzu nshya zo guturamo 310,000 bitarenze mu mwaka wa 2032.

Umubare munini w’izo nzu ugomba kuba uri mu cyiciro cy’izihendutse kandi zubatswe mu buryo buhangana n’imihindagurikire y’ibihe n’ibindi biza bishobora kuziyongera mu myaka iri imbere. Bivuze ko muri Kigali honyine hakenewe kubakwa amacumbi mashya akava ku 15,000 yabaga akenewe mu 2017 buri mwaka akagera ku 26,000 mu 2032.

Ni muri urwo rwego ku bufatanye bwa Banki y’u Rwanda y’Amajyambere (BRD) n’Ikigo cy’Igihugu Gishinzwe Imiturire (RHA) hatangijwe umushinga ‘Iwanjye’ ufite n’urubuga rw’Ikoranabuhanga rwatangiye gufasha Abanyarwanda gutunga amacumbi meza bigengaho agezweho kandi ahendukiye buri wese bitewe n’urwego rw’ubushobozi afite.

Ubushakashatsi bwerekana ko inzu zihendutse kandi zubatswe mu buryo bujyanye n’igihe zizamura iterambere ry’abaturage, zikabafasha guhuza imibereho ijyanye n’igihe, kugabanya ubucucike bukabije, kongera agaciro k’umutungo wegeranye, gukurura ubucuruzi n’akazi, kandi bikagabanya umubare w’ibyaha.

Ubuyobozi bwa BRD na RHA butangaza ko urubuga “Iwanjye” ruzorohereza abakeneye inzu zubatswe muri iki cyerekezo kwiyandikisha cyane ko hari inzu zikomeje kubakwa mu mishanga itandukanye igamije kugeza u Rwanda ku ntego cyiyemeje yo kuzaba ruri mu bihugu byateye imbere mu mwaka wa 2050.

Umushinga ‘Iwanjye’ watangijwe mu kuziba icyuho cy’imiturire mu Rwanda kuko ari bwo buryo rukumbi bwizewe buri muturarwanda ashobora kwigurira inzu igezweho ijyanye n’ubushobozi bwe, aho yemerewe no gukorana na banki ikamwishyurira agatangira gahunda y’ikodeshagurisha rizamara igihe kirekire.

Uyu mushinga watewe inkunga na Banki y’Isi yashoyemo asaga miliyari 156 z’amafaranga y’u Rwanda (miliyoni 150 z’amadolari y’Amerika), yanyujijwe muri BRD mu gushyigikira icyerekezo cya Leta y’u Rwanda cyo gutuza benshi heza binyuze mu kuborohereza kubona inguzanyo yoroheje y’ikodeshagurisha.

Bivuze ko inkunga ya Banki y’Isi yatumye abashobora gusaba guhabwa amacumbi baboneka mu byiciro bitatu. Icya mbere ni icy’abakorera amafaranga y’u Rwanda ari munsi ya 1,200,000 ku kwezi bashaka kugura inzu itari hejuru ya 40,000,000 bakaba bazajya bemererwa ikodeshagurisha ku nyungu ya 11%.

Abandi ni abo mu cyiciro cy’abakorera amafaranga ari hagati ya 1,200,000 na 1,500,000 ku kwezi bakaba bifuza kugura inzu ifite agaciro kari hagati ya miliyoni 40 na miliyoni 60 z’amafaranga y’u Rwanda. Aba bo bemerewe ikodeshagurisha ku nyungu itarenze 13%.

Abagenerwabikorwa bashobora kwigurira amacumbi y’inzozi zabo banyuze mu bigo by’imari bikorana n’uyu mushinga. Kugeza ubu ibigo by’imari bikorana na wo ni bitandatu bikaba ari byo Banki ya Kigali (BK), ZIGAMA CSS, Bank of Africa (BoA), KCB Rwanda, NCBA na Banki y’Abaturage y’u Rwanda (BPR).

Leta y’u Rwanda ikomeje gukorana n’ibindi bigo by’imari bishoboka kugira ngo uyu mushinga urusheho gufungurirwa abantu benshi bashoboka baba bari mu Gihugu cyangwa hanze yacyo. Umushinga Iwanjye ufite urubuga (www.iwanjye.brd.rw) ruhuza abasaba amacumbi, ibigo by’imari ndetse n’abubaka inzu zigezweho kandi zihendutse.

Iyo ubusabe bwoherejwe, iryo koranabuhanga ribanza kugenzura ko usaba yujuje ibyangombwa bisabwa nk’uko byateguwe na Leta y’u Rwanda ku bagenewe kubona inyungu kuri iyo mishanga. Nyuma y’aho, uwasabye wujuje ibisabwa amenyeshwa gukomeza ahitamo icumbi ryubatswe mu gice yihitiyemo ariko hajyanye n’igishushanyo mbonera; hakurikiraho gutangira gahunda y’ikodeshagurisha.

Ubuyobozi bwa BRD burahamagarira abagenerwabikorwa bose bujuje ibisabwa bakeneye kubona inyungu ziri muri uyu mushinga kwiyandikisha banyuze kuri www.iwanjye.brd.rw, na ho abubatsi bifuza gukorana na Leta mu rugendo rwo kubaka inzu zihendutse kandi zigezweho bashobora kwandikira BRD banyuze kuri  hfp@brd.rw kugira ngo basobanurirwe ibisabwa muri ubwo bufatanye.