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Itegeko rishyiraho ubwizigame bw’igihe kirekire rikanagena imitunganyirize yabwo rizagira uruhare runini mu kuzamura ubukungu bw’igihugu

Yanditswe na HABIMANA AUGUSTIN

Ku ya Jan 17, 2018

HABIMANA AUGUSTIN

Kongera ikigero cy’ubwizigame mu gihugu no gushyiraho uburyo bwizewe bw’inkomoko y’ishoramari ryunguka ry’igihe kirekire bishingira ku biteganywa n’itegeko rigena uko bizakorwa n’uko amafaranga y’abiteganyirije azacungwa mu mutekano uzira igihombo.

U Rwanda ni igihugu gifite abaturage benshi bakiri bato kuko  hafi ya kimwe cya kabiri cy’abaturage bacyo bafite munsi y’imyaka 15. Ibarura rya kane ry’abaturage n’ingo riteganya ko umubare w’Abanyarwanda bari mu kigero k’izabukuru (barengeje imyaka 60) ushobora kwikuba inshuro ebyiri ukava ku kigereranyo cy’abantu 510 000 wariho mu 2012 ukagera ku  bantu 1 096 000 mu mwaka wa 2032. Iyo abaturage bajya mu zabukuru biyongera biba imbogamizi kuri gahunda za Leta,  iyo mbogamizi ikaba igomba gukurwaho n’ubwiteganyirize  rusange bushyigikiwe n’ubwizigame bw’igihe kirekire.

Ubwiteganyirize bw’izabukuru/pansiyo bushinzwe Ikigo cy’Ubwiteganyirize mu Rwanda (RSSB), ariko hiteganyirizamo abaturage bageze ku 10% gusa, bagizwe n’Abanyarwanda bakiri mu kigero cyo gukora biganje mu bakozi ba Leta n’abo mu rwego rw’abikorera bakorera umushahara.

Abasigaye bagera kuri 90% by’abakozi ntibari mu bwiteganyirize cyangwa mu bwizigame bw’igihe kirekire ubwo ari bwo bwose. Ibi bigira ingaruka ku gipimo cy’ubwizigame rusange mu gihugu kandi ari bwo butuma habaho iterambere ry’ishoramari ry’abikorera ndetse no kugera ku mibare y’ubwiyongere by’umusaruro mbumbe mu gihugu.

Niyo mpamvu Umutwe w’Abadepite mu Nteko Ishinga Amategeko, ku wa 7 Kamena 2017, watoye itegeko n° 29/2017 ryo ku wa 29/06/2017 rishyiraho ubwizigame bw’igihe kirekire rikanagena imitunganyirize yabwo nk’uko ryasohotse mu itagazeti ya Leta ya Repubulika y’u Rwanda n° idasanzwe yo ku wa 18/08/2017, hagamijwe gushyiraho itegeko rigena uburyo ubwizigame bw’igihe kirekire bushobora gukorwa ku buryo buteganywa n’amategeko kandi abiteganyiriza bakaba bafite ikizere cy’uko ubwiteganyirize bwabo buzabagirira akamaro.

Ibyiza by’ingenzi biteganyijwe mu gushyira mu bikorwa ubwizigame bw’igihe kirekire birimo: kongera ikigero cy’ubwizigame mu gihugu ; gushyiraho uburyo bwizewe bw’inkomoko y’ishoramari ryunguka ry’igihe kirekire ; gushyiraho serivisi ya pansiyo igenewe imirimo itanditswe no guteza imbere imyubakire myiza n’ubumenyi ngiro kuri bose.

Ubu buryo bw’ubwizigame  rusange buteganya kwita ku byiciro 4 by’abaturage birimo abakozi ba Leta bahembwa umushahara; abikorera bahembwa umushahara n’abikorera bifitiye ubucuruzi bwabo; abantu bakora imirimo itanditswe mu mategeko (bahembwa igihe kitazwi kandi make) ; abana (bafite munsi y’imyaka 16) badafite irangamuntu bazagira uburenganzira bwo kwizigamira binyuze kuri konti bafatanyije n’umubyeyi cyangwa umwishingizi.

Abanyamuryango b’ubwizigame bw’igihe kirekire bazungukira cyane  muri ibi bikurikira: inyungu zikomoka mu gushyira hamwe ubwizigame n’ishoramari; ishoramari ryizewe kubera ko rizacungwa n’abayobozi b’ishoramari b’abanyamwuga; uruhare rwa Leta mu bwizigame bw’igihe kirekire ruzaba rugenewe abiteganyirije hashingiwe ku ngano y’umusaruro wabo no ku mubare w’amafaranga biteganyirije; amahirwe yo kwishyurirwa amasezerano y’ubwishingizi bw’ubuzima n’amafaranga yo gushyingura atangwa na Leta.

Ingingo ya 3 y’iri tegeko rishyiraho ubwizigame bw’igihe kirekire rikanagena imitunganyirize yabwo iteganya ko ubwizigame bw’igihe kirekire bukorwa mu buryo bw’ubwizigame bushingiye ku misanzu yatanzwe bikozwe ku bushake bwo gufunguza konti yo kuzigama. Naho ingingo ya kane ivuga ko Umunyarwanda wese n’umunyamahanga utuye mu Rwanda bafite uburenganzira bwo kwiyandikisha kuba umunyamuryango mu bwizigame bw’igihe kirekire.

Buri munyamuryango w’ubwizigame bw’igihe kirekire azajya atanga umusanzu akurikije ubushobozi bwe, afite kandi uburenganzira bwo guhabwa amakuru ku bwizigame bwe, amafaranga yizigamiye n’inyungu ziyakomokaho.

Umunyamuryango w’ubwizigame bw’Igihe kirekire ashobora gukoresha igice cy’ubwizigame bwe mu kwiyubakira icumbi, kwishyura amashuri cyangwa akagitangaho ingwate mu gihe akeneye inguzanyo.

Ubwizigamire bwo mu gihugu ni inkingi y’ubukungu ifasha mu gukumira ihungabana ry’ubukungu, maze igafasha  kwihutisha izamuka ry’ubukungu.

Impamvu hashyizweho iri tegeko rishyiraho ubwizigame bw’igihe kirekire rikanagena imitunganyirize yabwo ni ukugira ngo ubwo bwizigame bukorwe bushingiye ku mategeko, kandi n’abiteganyiriza babe bafite amategeko abarengera kandi umutungo wabo ucungwe ku buryo bwizewe.

Kujya mu bwizigame bw’igihe kirekire ntibifitiye inyungu gusa uwizigamiye ahubwo bizanafasha kubaka no kuzamura ubukungu bw’igihugu muri rusange, bityo igihugu cyacu gikomeze gitere imbere kandi bikozwe n’abenegihugu ubwabo.