Abahinzi ntibaragirirwa icyizere n’amabanki mu kubaha inguzanyo
Abahinzi n’aborozi akenshi bakunze kugira ikibazo cyo kubona inguzanyo muri banki kugira ngo bashobore guteza imbere umwuga bakora mu rwego rwo guharanira kwigira. Amabanki atandukanye kugeza n’ubu icyezere afitiye abahinzi n’abarozi kiracyari hasi cyane nk’uko byavugiwe mu nama yahuzaga abantu batandukanye bakorana n’abahinzi n’aborozi umunsi ku munsi kuri uyu wa 20 Gashyantare 2015 i Kigali.
Umuyobozi mukuru wungurije mu kigo cy’igihugu gishinzwe guteza imbere ubuhinzi n’ubworozi (RAB) Dr.Daphrose Gahakwa avuga ko iyi nama ihuriza hamwe abantu bose haba abahinzi, aborozi, abakora muri banki, abajyanama n’abandi igamije gukomeza kungurana ibitekerezo kugira ngo umusaruro uturuka mu buhinzi n’ubworozi ubashe kwiyongera bityo n’amabanki arusheho kubagirira icyizere.
Dr.Gahakwa avuga ko kugeza ubu u Rwanda rumaze kwihaza mu bijyanye n’ibiribwa ariko hakaba hakiri ikibazo cyo gusagurira amasoko, ibi rero ngo bizakemukira mu kungurana ibitekerezo binyuze muri iri huriro bise ‘Agricultural Innovation Platform’ cyane ko na banki ziba zitabiriye zigashyishikarizwa gutanga inguzanyo ku bahinzi n’abarozi.
Uyu muyobozi mukuru wungurije muri RAB yasobanuye ko nta kintu kidasanzwe bazakora mu gukangurira amabanki gutanga inguzanyo ku bahinzi n’abarozi ngo kuko n’amabanki aba ashaka kunguka, gusa nka RAB ngo bagomba kureba impamvu za banki ziha inguzanyo abakora umurimo wo guhinga no korora zumva zidafite icyizere gihagije nko mu yindi mishinga ibyara inyungu.
Zimwe mu ngamba zigomba gufatwa zo kongera umusaruro harimo kuhira imyaka, gokoresha inyongera musaruro, guhimba udushya n’ibindi.
Uburyo guhimba udushya nta kintu gihambaye bisaba uretse kugira ubushake gusa. Hatanzwe urugero rw’abahinzi bakorera i Gataraga bahimbye kugurisha ibirayi mu gatete gakoze mu birere by’urutoki, ubu bakaba bagurisha ikiro cy’ibirayi kijyana n’ako gatete amafaranga 1000, mu gihe ikiro kigurishwa bisanzwe usanga kigura amafaranga 150.
Icyo abahinzi basabwa ni ukwibumbira mu makoperative kugira ngo bakore ikintu gifatika bityo na banki zibone aho zihera zibaha inguzanyo.
Juvenal Musine, umuyobozi ukorana n’abahinzi n’aborozi umunsi ku munsi, we asanga impamvu abahizi bataratangira kugirirwa icyizere cyo guhabwa inguzanyo ari uko bamwe bataratinyuka kugana amabanki bitewe n’ubumenyi buke bwo gukoresha amafaranga ya banki. Ikindi kandi ngo ni uko abenshi batazi gutegura neza imishinga yaterwa inkunga n’abahawe amafaranga bakaba bayakoresha nabi.
Umuti w’iki kibazo ngo ni uko abahinzi n’aborozi bakangurirwa kugana banki zikabaha inguzanyo, bakigishwa gutegura neza imishinga no kumenya gukoresha neza amafaranga bahawe.
Musine yongeyeho ko kugira ngo umuntu atere imbere agomba kuba akoresha amafaranga y’inguzanyo kuko nta muntu ushobora kwihaza ku bintu byose.
Aya mahuriro yakorerwaga mu turere 10 mu gihugu hose ariko kuva bahuriye ku rwego rw’igihugu, ngo bagiye kugerageza ku buryo azagera mu turere twose tw’igihugu hagamijwe guhuza ibitekerezo bateza imbere ubuhinzi n’ubworozi nk’imirimo itunze Abanyarwanda benshi.
Théodomir NTEZIRIZAZA
UM– USEKE.RW
English
7 Comments
Mbere yo kwizerwa na banki mubashakire ikigo cyu bwishingizi kibagoboka iyo barumbije cg bigize ikindi kibazo.
Mubibutse kwiga guhunika bagire za frigo na stock bihagije.
Icyo gihe banki nizo zizaza kubingingira inguzanyo.
Naho ubu ntayabihera nu rupfumuye !!!
ibaze ariko za frigo , hahhahahhah
Yes frigo zikoreshwa muri industry !!!!
Dufate nk’imyaka ipfa vuba ex: imiteja, inyanya, rengarenga, epinard, ibitonore,…. Ibintu nkibyo bigisarurwa bibikwa muri frigo ako kanya bikagezwa ku mukikiya bikiri bizima nubwo byamara 6 mois kuzamura.
Ahandi niko bikorwa.
Icyo gihe banki iyo ibonye umuhinzi ukora mwubwo buryo akagira nu bwishingizi mu bikorwa bye ideni irimuha nta mananiza.
Ataribyo risque ziba nyinshi nko kubona kwimyaka kurumba se gutinda kubona umuguzi imyaka ikaba yapfa ibyo bivamo kwimwa ideni !!!!
Naho Frigo nti bigutangaze !!!!
Zibaho ikigero wifuza cyose urayikorerwa nziza.
@Munyarwanda urasobanutse ! Ariko se nihagire uwibeshya agure iyo frigo uvuga maze arebe ko abona ayo kwishyura REC (former EWSA)…Sha Bank yabiteza cyamunara nawe ikamugurisha !!
Niba ugirango ndabeshya uzabaze ababika muri Frigos zo kuri Airport, Leta igomba kubanza kubunganira kugirango bigondere igiciro cyo kubikamo !
Ubwo mu gihe tugitegereje amashanyarazi azava muri Ethiopia ni ukuba tuteze amatwi discours z’abanyapolitike n’ubwo njya numva baca umugani ngo “akimuhana kaza mvura ihise” !
Ninde washoye imari mu buhinzi akunguka?
No muri Amerika n’i Burayi abahinzi n’aborozi bahabwa agahimbazamusyi na Leta kugirango badahagarika ibikorwa byabo maze igihugu cyikicwa n’inzara.
Noneho tekereza mu Rwanda aho abashoramari badafire n’ubutaka buhagije bwo guhingamo ibiribwa byinzhi byahaza igihugu noneho abaturage bakagenerwa imishahara bityo bagashobora kwitunga umunsi ku wundi.
Ibyo twigisha mu magambo byashoboka gute amabanki adashoye imari ngo agurize abahinzi borozi babigize umwuga?
Leta niyo yari ikwiye gufasha abahinzi naho amabanki ntabwo yabishobora. Banki zishaka inyungu kandi ubuhinzi ntabwo buri gihe bwunguka hari igihe buhomba kubera impamvu nyinshi kandi zumvikana. Ntabwo rero banki zashora amafaranga yayo mu kuguriza abahinzi keretse Leta yishingiye gutanga ingwate z’abahinzi muri ayo mabanki.
No mu bihugu byateye imbere nibyo, usanga Leta ariyo ifata iyambere mu guteza ubuhinzi imbere, ishyigikira ba rwiyemezamirimo b’abahinzi. Bitabaye ibyo, ntabwo twavuga ko ubuhinzi buzatera imbere mu Rwanda ku rwego rushimishije ngo tubone ibyo kugabura ku isoko ryo mu Rwanda tubone nibyo dusagurira amasoko y’amahanga…
@ SUZANE , TWIGANIRIRE, MUHINZI ;
Bavandimwe reka ngore icyo mvuga kubyo mukomojeho..,
SUZANE ; izo frigo akenshi ni inzu( rooms) zishyirwamo ubukonje zikabija imyaka mu nzira iyo ba deplaca ibyo bicuruzwa hagakoreshwa conteneur zikonjesha, ndabikubwira nk’umwubatsi nka electronicien ,ndetse kera muri Canada nkihatuye no muri europe mpakorera ni nkibyo nakunze kubarizwamo, izo nzu si ngombwa gukoresha amashanyarazi !!!!
Nibakoreshe solar kuko u Rwanda dufite chance yo guhorana izuba, bimwe mwibyo bikoresho hano iwacu ntibinasora.
Byumvikane neza yuko ari uburyo bushoboka.
Naho kubari bavuze ngo ubuhinzi bworozi ntibwungira MURASETSA KOKO !!!!
Niki kindi se cyungura nkabyo ???
Communaute zikize zibayeho neza kwi isi 3 za mbere hazamo ABAFRAMA, nabanyanorvege kubera ubuhinzi bwabo.
Ubuhinzi nu bworozi bukozwe by’umwiga burakiza cyane.
Ex: urora inkoko 25.000 uzasanga wunguka plus de 15.000.000Frw / mois hano mu Rwanda.
Wibuke yuko dukoresha amagi avuye Uganda ubwo wahita wiharira iri soko ry’u Rwanda !!!!
Iburayi n’america impamvu leta ibaha agahimbaza musyi nuko bafatiye runini leta haba mugutunga igihugu no kwinjiza mwi sanduku ya leta byinshi ,iba waregereye abahinzi borozi baho se wabonye ko aribo bakire cyane mu burayi na america !!!!!
Hano iwacu byicwa nuko umuhinzi mworozi akibikora nabi kuko yabuze ikindi akora !!!!!
Bikozwe kinyamwuga wakira cyane.
Bikwiye no gukosorwa hamwe tubazwa umwuga waba ntawo ugira ukitwa umuhinzi mworozi…, ibyo nti bikwiye kuko ni grade ihambaye ikwiye ubikora nyabyo.
Ahandi uvuze yuko uri umuhinzi mworozi wakiranywa yombi kuko ababikora n’abanyacyubahiro kubwi nyungu ivamo.
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