Inzu ziciriritse zikenewe na benshi mu Rwanda ziracyari nke

  • NTAWITONDA JEAN CLAUDE
  • Nyakanga 21, 2022
  • Hashize imyaka 2
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Gahunda yo kubaka inzu ziciriritse mu Rwanda yakiriwe neza n’abantu benshi kuko yaje isubiza ibibazo byinshi byari byaraburiwe ibisubizo mu bijyanye n’imiturire ijyanye n’igishushanyo mbonera.

Guhera mu mwaka wa 2019, Leta y’u Rwanda ibinyujije muri Banki y’u Rwanda y’Amayambere (BRD) n’Ikigo cy’u Rwanda gishinzwe guteza imbere imiturire (RHA) yatangije umushinga witwa “Gira Iwawe” ugamije gufasha abakorera amafaranga make ku kwezi gutunga amacumbi ku giciro giciriritse hamwe n’inguzanyo ibanogeye.

Uwo mushinga ujya gutangira, ibigo byombi byari byihaye intego yo kuba byafashije imiryango isaga 6,000 kubona amacumbi aciriritse ajyanye n’igishushanyo mbonera bitarenze mu mwaka wa 2024, ariko kugeza ubu imiryango isaga 300 ni yo imaze gufashwa kwigurira inzu ziciriritse bahisemo.

Liliane Igihozo Uwera, Umuyobozi w’Ishami rishinzwe gukurikirana imishinga yihariye (SPIU) muri BRD harimo n’uyu wo gufasha Abanyarwanda kugura inzu ziciriritse, yavuze ko nubwo abamaze gufashwa kubona inzu ziciriritse bakiri bake ugereranyije n’intego yari ihari, ubusabe bwakiriwe bwari bwinshi cyane ariko inzu zujuje ibisabwa byo kuba zagurwa binyuze muri iyo gahunda ziba nke.

Mu Kiganiro yagiranye n’abanyamakuru kuri uyu wa Kane, Igihozo yavuze ko Leta y’u Rwanda ijya gutangiza iyo gahunda yari igamije gufasha abatanga amafaranga ku ikode gukomeza kuyatanga bafite icyizere ko inzu batuyemo izaba iyabo mu gihe cy’imyaka 20.

Yagize ati: “Intego yari iyo gufasha imiryango irenze 6000, uyu munsi tugeze kuri 300. Twahuye n’imbogamizi zitandukanye ariko abantu benshi barabyishimiye barabyitabira, ahubwo ikibazo cyabaye kubura inzu zigezweho zijyanye n’igishushanyo mbonera. Ubundi gahunda uko yatangiye abantu bagombaga kugura inzu mu nyubako nshya zubatswe mu Mujyi wa Kigali ariko imbogamizi twahuye na yo ni uko urebye nta mushinga n’umwe wari warangira. Twari dufite abantu benshi bashakaga izo nzu gahunda yemeraga ariko bakazibura.”

Yakomeje ashimira Leta y’u Rwanda yaje kwemera ko umuntu ashobora kurambagiza inzu iciriritse ijyanye n’igishushanyombonera, yamara kumvikana na nyirayo  na we akaba yafashwa muri iyo gahunda ituma wishyurirwa igiciro cyose, ahasigaye wowe ugasigara kwishyura mu gihe kirekire ku nyungu ya 11%.

Ati: “Turashimira Leta y’u Rwanda twumvikanye ko tuvugurura umushinga tugashyiramo inzu zisanzwe ariko zijyanye n’igishushanyo mbonera cy’imijyi. Uyu munsi inzu zose zihwanye n’igishushanyo mbonera cy’imijyi  zishobora kugurwa muri iyo gahunda akaba ari na cyo gitanga icyizere ko intego izagerwaho.”

Icyuho gihari n’abemerewe kuba abagenerwabikorwa

Mu mwaka wa 2019, Ikigo cyita ku iterambere mpuzamahanga (IGC) cyakoze ubushakashatsi ku macumbi akenewe muri Kigali gusa, gisanga ikigereranyo cy’amacumbi akenewe kugeza muri 2032 ari inzu nshya zirenga 310.000, aho inyinshi zikwiye kuba ziri mu rwego rw’amacumbi aciriritse

Ibyo biragaragaza ko hakenewe nibura inzu nshya 15 000 muri 2017 zizazamuka zikagera ku nzu nshya  nibura 26 000 mu 2032 haba mu Mujyi wa Kigali ndetse no mu gihugu hose.

Mu rwego rwo kuziba icyuho cy’amacumbi gihari ubu, ni bwo Leta y’u Rwanda yatangije umushinga wo gutanga amafaranga yo kubaka amacumbi mu Rwanda mu rwego rwo gufasha Abanyarwanda kubona ingwate ziciriritse zishyurwa mu gihe kirekire.

Banki y’Isi yatanze inkunga y’amaafaranga y’u Rwanda asaga miliyari 150 (miliyoni 150 z’amadolari y’Amerika) mu rwego rwo gushyigikira iyo gahunda igamije gutuza heza Abanyarwanda, aho abashobora kuba abagenerwabikorwa b’uyu mushinga bagabanyije mu matsinda abiri.

Itsinda rya mbere ribarizwamo abakeneye inzu binjiza amafaranga y’u Rwanda atarengeje miliyoni imwe n’ibihumbi 200 ku kwezi kandi bifuza kugura inzu ifite agaciro katarengeje miliyoni 40. Iki cyiciro cyemerewe inguzanyo itangwaho ingwate ku ijanisha ry’inyungu ritarenze 11%.

Icyiciro cya kabiri ni icy’abinjiza amafaranga ari hagati ya miliyoni n’ibihumbi 200 na miliyoni n’igice ku kwezi bakaba bifuza kugura inzu ifite agaciro kari hagati ya miliyoni 40 na miliyoni 60 z’amafaranga y’u Rwanda. Iki cyiciro cya kabiri kizabona inguzanyo itangwaho ingwate ku ijanisha ry’inyungu itarenze 13%.

Ahabwe Emmanuel, Umuhuzabikorwa w’Umushinga ugamije gutera inkunga Imiturire (RHFP) ukorera muri BRD, yavuze ko abafashwa muri iyi gahunda basabwa gukorana n’ibigo by’imari bikorana n’uyu mushinga ari byo Banki ya Kigali (BK), ZIGAMA CSS, Bank Of Africa (BoA), Umwalimu SACCO, NCBA Bank na BPR Rwanda Plc.

Yavuze ko hari gahunda yo kwagura imikoranire n’izindi banki kugira ngo iyo gahunda igere kuri bose. Gusa bivugwa ko hakiri imbogamizi z’uko hari abakenera izo nzu ariko bakagorwa no kuba bagejeje ku ngano y’amafaranga binjiza ku kwezi yakubwa mu gihe cy’imyaka 20 akabasha kwishyura inzu zemewe mu mushinga.

RHFP ifite urubuga rwa murandasi (www.iwanjye.brd.rw) ruzahuza abasaba inguzanyo, ibigo by’imari, n’abubaka amacumbi ku giciro giciriritse. Iyo umaze gutanga ubusabe, sisitemu igenzura niba usaba yujuje ibisabwa byashyizweho na Leta kugira ngo ahabwe inguzanyo y’icumbi riciriritse.

Nyuma yaho, abasaba bujuje ibyangombwa barabimenyeshwa kugira ngo bakomeze ubusabe bwabo no gushaka inzu izaba iye yo guturamo iri ahantu aho ari ho hose yihitiyemo ariko hahuje n’igishushanyo mbonera ndetse n’inguzanyo isabirwa ingwate.

  • NTAWITONDA JEAN CLAUDE
  • Nyakanga 21, 2022
  • Hashize imyaka 2
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