Ubworozi bw’inkoko n’ingurube bwashyiriweho inguzanyo zunganiwe ku 8%

Minisiteri y’Ubuhinzi n’Ubworozi yatekereje ku guteza imbere ubworozi bw’inkoko n’ingurube, aho aborozi bashyiriweho guhabwa inguzanyo iriho nkunganire ya 8% y’inyungu.

Aborozi bahabwa inguzanyo ni abakora ibikorwa byo kongerera agaciro ibikomoka ku bworozi bw’inkoko n’ingurube ndetse n’ibiryo by’amatungo. Gutanga inguzanyo yunganiwe akaba ari gahunda yo gufasha aborora inkoko n’ingurube  n’ibiryo by’amatungo kubyongerera agaciro.

Umuyobozi Mukuruwungirije mu Kigo cy’Igihugu gishinzwe guteza imbere ubuhinzi n’ubworozi mu Rwanda (RAB) ushinzwe iterambere ry’ubworozi Dr. Uwituze Solange, yavuze ko ubworozi bumeze neza muri rusange, ku buryo n’iyo hari ibibazo kigaragaye nko kuhira amatungo, nk’indwara bishakirwa ibisubizo mu buryo bwihuse.

Ku bijyanye n’ubworozi bw’inkoko n’ingurube n’ibiryo by’amatungo ku bufatanye bwa Minisiteri y’Ubuhinzi n’izindi nzego hatekerejwe uburyo bwakorohereza aborozi kubona inguzanyo yunganiwe hagamijwe kongerera agaciro umusaruro muri urwo ruhererekane rw’ubworozi.

Dr. Uwituze yagize ati: “Icyatumye duhitamo mu bwororzi bw’inkoko n’ingurube ni impamvu ebyiri, icya mbere mu borozi b’inka zitanga umukamo basanzwe bafite nkunganire binyuze mu kigega BDF, ariko ab’inkoko n’ingurube ndetse n’abatunganya ibyo kurya by’amatungo bari bataragira amahirwe yo kubona ubwo buryo bw’ubufasha mu kugera ku mafaranga ahendutse”.

Yongeyeho ati: “Iki gitekerezo twakigize igihe COVID-19 yari itangiye kugenza make, izindi nzego z’ubukungu zashyiriweho ikigega cyo kuzamura ubukungu, tubona aborozi bo batabona uburyo bwo kuzuza ibyasabwaga ngo babashe kubona ubwunganizi. Na Enabel twatekereje uburyo aborozi b’inkoko, ingurube n’ibiryo by’amatungo na bo bagera ku mafaranga ku buryo bworoshye”.

Furaha William, uhagarariye Banki y’u Rwanda itsura amajyambere BRD yavuze ko aborozi b’inkoko n’ingurube n’ibiryo by’amatungo boroherejwe kubona inguzanyo, bakayihabwa yunganiwe ku nyungu.

Ati: “Inguzanyo igiye gutangwa kuri make, iriho nkunganire aho Leta yatekereje kubona inguzanyo iciriritse ngo bazamure ubworozi bwabo butere imbere. Bisaba kuba umuntu akorana n’amabanki, aho ku nguzanyo bakwemerera uwo mushinga bafatanyijemo n’abafatabyabikorwa ku 8% ku nyungu. Urugero niba banki imwemerera inguzanyo ku nyungu ya 18%, ubwo umushinga awishyuraho 10% naho banki ikamwishyurira 8%”.

Yongeyeho ko BRD ni yo icunga ayo mafaranga kuko ni yo ibasha kwegera aborozi binyuze mu zindi banki. Abayahabwa bagomba kuba bafite umushinga banki ishobora kwemera. BRD yashyizeho impuguke zifasha aborozi ngo banononsore imishinga hagamijwe kwagura ubucuruzi, kubaka neza no kwagura ibiraro kugira ikindi wakora cyo kubyongerera agaciro nk’ ibagiro n’ibindi.

Yavuze kohari banki 3 bakorana ku buryo amafaranga agera hose mu gihugu: BK, Equity na Banki y’abaturage harimo n’ibigo RIM, na za Sacco zegereye abaturage.

Perezida w’aborozi b’itungo ry’ingurube mu Rwanda Shirimpumu Jean Claude we avuga ko umushinga wose umuntu ateganya gukora awutegura kugira ngo uzagere ku ntego yifuzwa, banki zikaba zaratangiyeguha inguzanyo yunganiwe aborozi bagamije korora kijyambere.

Ati: “Umushinga wose umuntu agiye gukora aba afite icyerekezo nari mfite kwagura  ibiraro, kubaka nkagura aho nkorera bigaha amatungo umutekano, icya kabiri cyari ugushaka icyororo cyiza. Icya gatatu mfite ikigo gitanga intanga ku borozi.

Ayo mafaranga si inkunga ahubwo hari ibyo umuntu agomba kuba yujuje.Ni inguzanyo usaba nk’izindi zose, mukumvikana niba yari 18%, banki ikagushyiriraho nkunganire ya 8% bigera hasi no kuri za Sacco bikorohereza aborozi kunoza ubworozi bw’inkoko, ubw’ingurube n’ibyo kurya by’amatungo”.

Shirimpumu yakomeje asobanura by’umwihariko ibanga mu bworozi ngo butere imbere harimo ibyoumworozi yagombye guhuza ari byo kugira icyororo cyiza gikura kigatanga umusaruro,kuyigaburira ibiryo byiza bitewe n’ikigero igezemo no kwita ku itungo.

Uwari uhagarariye NIRDA Ndahiro Jean Marie Vianney yavuze ko inguzanyo kuri make mu ruhererekane rwo kongerera agaciro ibikomoka ku ngurube, inkoko no kubyongerera agaciro n’ibiryo by’amatungo, uruhare rwa NIRDA rwagaragaye ubwo bagaragaje ko hakenewe nkunganire.

Yakomeje asobanura ko NIRDA yashyikiranye na Enabel ngo ayo mafaranga aboneke, kubimenyekanisha ko yabonetse umuntu akaba yayageraho mu gihe ari muri urwo ruhererekane ngo babone iyo nguzanyo irimo nkunganire ya 8% ku nyungu.

Havugimana Jean wo muri Equity wari uhagarariye abafite umushinga ukoze neza, yavuze ko harebwa uko uzabyara inyungu, akamaro uzagirira sosiyete yabigaragaza neza uko umushinga uzabyara inyungu, tukamwemerera inguzanyo dosiye tukayohereza muri BRD, ikadusubiza ko yemerewe, umukiliya akamenyeshwa ko yemerewe ko yahabwa inyungu zijyanye n’umushinga yakoze, akaza akayahabwa. 

Cyuma Oswald uhagarariye RIM yavuze ko umushinga ugomba kuba uri mu bworozi bw’inkoko, ingurube n’ibiryo.

Muri rusange ikitabwaho si mubare munini w’amatungo Inguzanyo mu ruhererekane nyongeragaciro mu bworozi n’ibiryo na farumasi, n’uwaba afite ingurube imwe, icyangombwa ni uko umworozi yerekana ko uwo mushinga uzunguka.

Ikindi ni uko ayo matungo agomba kuba ari mu bwishingizi, kandi icyo umuntu akeneye ni cyo bamukorera, niba ari ukubaka, icyororo gikenewe niba kiva i Burayi.

Aborozi bakangurirwa kwitabira iyi gahunda y’inguzanyo yunganiwe kuko bizazamura ubworozi bw’inkoko n’ingurube kandi ayo mahirwe bakayabyaza umusaruro.