23% by’inguzanyo zatanzwe mu 2015 nizo gusa zahawe abagore

Imibare mishya ya Banki Nkuru y’Igihugu ‘BNR’ iragaragaza ko umubare w’abagore bitabira kwaka inguzanyo mu mabanki n’ibigo by’imari ukiri hasi cyane, ku gipimo cya 23% by’inguzanyo zigera kuri Miliyari 742.2 z’Amafaranga y’u Rwanda zatanzwe mu mwaka wa 2015.

Muri Raporo igaragaza uko ubukungu bw’igihugu bwari bwifashe mu mwaka wa 2015, BNR igaragaza ko kugera mu kwezi kw’Ukuboza 2015, inguzanyo amabanki n’ibigo by’imari bahaye abikorera zazamutse zikava kuri Miliyari 653.0 zo mu mwaka wa 2014 agera kuri Miliyari 742.2 z’amafaranga y’u Rwanda.

Bikaba byaranazamuye umubare w’umwenda abikorera banyuranye babereyemo amabanki n’ibigo by’imari byabagurije ugera kuri Miliyari 1,148.4, mu gihe mu Kuboza 2014 wari 906.3 (ni amafaranga batarishyura bidatewe n’uko bayabuze ahubwi kuko igihe cyo kurangiza kuyishyura kitaragera).

Muri rusange, 59.1% by’inguzanyo zatanzwe zose mu mwaka wa 2015, ni ukuvuga amafaranga y’u Rwanda arenga Miliyari 438.2 yahawe ibigo (corporate), naho 40.9% angana na Miliyari 303.8 ahabwa abantu ku giti cyabo.

Nubwo Leta yashyizeho ikigo nka BDF n’amategeko anyuranye yorohereza abagore mu gukorana n’amabanki, ikibazo cy’ingwate no kwitinya biracyazitira igitsina gore mu Rwanda ntibabashe gukora imishinga yabateza imbere.

Muri ziriya Miliyari 303.8 zahawe abantu ku giti cyabo, 77% ni abagabo, naho abagore bakaba 23% gusa.

Muri rusange kandi, imibare y’abagore bamaze guhabwa inguzanyo n’amabanki mu myaka itanu ishize iri hasi y’abagabo, kuko kuva mu mwaka wa 2011 kugera 2015 abagore 222,619 aribo bahawe inguzanyo n’amabanki, mu gihe abagabo ari 416,576.

Mu nguzanyo zatanzwe, inyinshi ni izijya mu nzego z’ubucuruzi, Resitora n’amahoteli kuko ari 37.7% by’inguzanyo zose zatanzwe mu mwaka wa 2015; Hagakurikiraho ubwubatsi n’imirimo rusange bifite 32.0%.

Mu myaka itanu ishize, Umujyi wa Kigali niwo ufite abantu benshi batse inguzanyo mu bigo by’imari n’amabanki kuko wihariye 73.9%, Intara y’Iburengerazuba 7.9%, Intara y’Iburasirazuba 7.2%, Intara y’Amajyepfo 6.4%, na 4.7% mu Ntara y’Amajyaruguru.

Mu mwaka wa 2015, urwego rw’amabanki rwakiriye ubusabe bw’abashaka inguzanyo (loan applications) bugera ku 271,186, bufite agaciro ka Miliyari 937.1. Gusa, muri ubwo busabe bwose, 3.5% bungana na Miliyari 195 z’amanyarwanda nibo batahawe inguzanyo ku mpamvu zinuranye.

Mu busabe 9,381 bwimwe inguzanyo, 8.3% bwari ubw’ibigo, naho 91.7% bwari ubw’abantu ku giti cyabo barimo abagabo 6,316 (73%) n’abagore 2,290 (27%).

BNR ivuga ko muri rusange inguzano amabanki yimanye byatewe n’impamvu z’abaguzaga, zirimo nko kutagaragaza neza ubushobozi bwo kwishyura inguzanyo, kutagira ingwate cyangwa ari nkeya, imiterere n’imikoreshereze ya Konti, kunanirwa kuzuza ibisabwa n’amateka mabi ku zindi nguzanyo waba warafashe.

UM– USEKE.RW