BDF mu gufasha imishinga yo muri ‘Hangumurimo’ yahombye n’itarabonye amafaranga

BDF (Business Development Fund) ni ikigo cyashyizweho na Leta gitangira gukora mu mwaka wa 2011, gishinzwe gufasha Abanyarwanda bose by’umwihariko ariko urubyiruko n’abagore badakunze kugira amahirwe yo kubona uburenganzira kuri serivisi z’ibigo by’imari n’amabanki cyane cyane inguzanyo.

BDF ifasha abantu bafite imishinga myiza itanga akazi kandi ikanateza imbere ba nyirayo n’igihugu muri rusange.

Yishingira abantu bafite imishinga mito n’iciriritse mu mabanki n’ibigo by’imari, abagore n’urubyiruko ibishingira 75% by’ingwate baba basabwe na za banki ku mishinga yabo, naho abandi bantu batari muri ibyo byiciro ikabishingira hagati ya 30 na 50%

BDF kandi ifite serivisi z’ubujyanama kuba ntu bafite imishinga, ikabafasha kuyinononsora, ikabafasha kugeza imishinga yabo mu mabanki ndetse ikazanakomeza kubakurikirana baratangiye gushyira mu bikorwa imishinga yabo.

Uretse ibyo BDF inatanga inkunga ku bantu bafite imishinga y’ubuhinzi, bwaba ubugamije isoko ry’imbere mu gihugu n’ubugamije kujyana umusaruro ku isoko ryo hanze.

Izo nkunga BDF iziha abanhinzi kugira ngo biteze imbere banateze imbere igihugu cyabo cyangwa igafata imigabane muri uwo mushinga.

BDF igira gahunda kandi yo guha amafaranga Imirenge SACCO kugira ngo igurize abaturage bafite imishinga y’iterambere.

UM– USEKE wagiranye ikiganiro kirambuye na Janet Kanyambo, umuyobozi ushinzwe ikigega muri BDF kugira ngo asubize ibibazo bitandukanye byibazwa ku mikorere y’iki kigo.

UM– USEKE: Mu nama y’umushyikirano iheruka urubyiruko rwabanenze kutarwegera, musabwa kubikosora mukamanura serivisi zanyu, mubigezehe?

Kanyambo: Byaratangiye kandi birakomeje, mu rwego rwo kwegera abaturage dukora ubukangurambaga, n’ubwo butaragera kuri bose, ahubwo namwe abanyamakuru mukwiye kudufasha.

Mu mu minsi iri imbere kandi tugiye kumanura serivisi zacu ku rwego rw’uturere kuko twamaze kwemererwa ibigo bizwi nak BDC (Business Development Centers) byahoze bicungwa na RDB biri mu turere twose tw’igihugu, kugeza ubu birindwi byo mu Ntara y’Iburengerazuba twamaze kubibona, birimo kuvugururwa, turimo no kwinjiza abakozi kuburyo nko muri Mata bizaba bitangiye gukora kandi serivisi dutanga i Kigali no muri izo BDC zose zizaba zihaboneka.

UM– USEKE: Ubu umuntu uri mu Karere runaka mu Ntara y’Iburasirazuba afite umushinga mwiza yabigenza ate ngo mumufashe?

Kanyambo: Twagiranye amasezerano n’ibigo bimari, za SACCO n’amabanki, iyo ufite umushinga uwujyana ku kigo cy’imari wifuza bakiga umushinga wawe basanga ari mwiza ariko udafite ingwate, bakaza kugusabira ingwate kuri BDF.

UM– USEKE: Urubyiruko ruvuga ko iyo rujyanye imishinga mu ma banki cyangwa n’ibindi bigo by’imari rwishingikirije ingwate yanyu, akenshi imishinga yarwo ntiyitabweho kubera imikoranire yanyu (n’amabanki) itanoze, murakora iki ngo ikemuke?

Kanyambo: Ibyo byo ni ingorabahizi, akenshi imikoranire yacu n’amabanki ikunze gutinda kubera imikorere y’izo banki ubwazo, kuko usanga nk’ishami rya banki runaka riri mu Karere nk’aka Nyamagabe ribanza kohereza dosiye zayo mu biro bikuru by’iyo banki, ibiro bikuru nabyo bikabanza gukusanya dosiye zo mu turere twose zikabona kuza kuri BDF, nabwo twasubiza bikabanza kugenda biherereka uko inzego zikurikirana ugasanga biratinda.

Ikibazo kiri mu mikoranire y’amabanki n’amashami yayo kuko twe buri wa gatatu twiga imishinga tuba twagejejweho kandi duhita tubasubiza kuwa kane.

UM– USEKE: Mu minsi ishize hatangiye gahunda ya hanga umurimo mwagizemo uruhare, mubona yaratanze umusaruro yari itegerejweho?

Kanyambo: Gahunda ya hanga umurimo yatanze umusaruro kandi yagenze neza muri rusange,  cyane cyane ariko ku bantu bari barayijemo basanzwe bafite ibyo bakora ahubwo bashaka kubyagura kuko bari bazi icyo gukora; Gusa hagaragayemo no guhuzagurika kubatangiraga kwikorera.

Sinavuga rero ko yagenze neza 100% kubera ibibazo bitandukanye, birimo nko kuba mu batangiraga imishinga harimo abasabaga amafaranga menshi cyangwa macye ugasanga umushinga ugize ikibazo, hari abagiye bayafata bakayajyana mu bindi, n’amabanki  atarasesenguye neza imishinga bituma imwe muri iyo mishinga igira ibibazo.

UM– USEKE: Abo bafite imishinga yagize ibibazo murabarabateganyiriza iki?

Kanyambo: Biterwa n’ikibazo imishinga yagize, tuzabasura turebe ikibazo bagize turebe icyo tubafasha.

UM– USEKE: Muri gahunda ya hanga umurimo hari abantu bakoze imishinga, amabanki arayishima ariko ntibabona amafaranga yo kuyishyira mu bikorwa, bo bizagenda gute?

Kanyambo: Abo bantu barahari koko, hari imishinga igera kuri 83, twabashyiriyeho gahunda yihariye yo kwiga ku mishinga yabo ndetse kugeza ubu 17 muri iyo mishinga tumaze kuyiha amafaranga agera kuri 429 889 000.

UM– USEKE: Leta irimo gukangurira abantu cyane cyane urubyiruko kwitabira amasomo y’ikoranabuhanga ariko bigaragara ko imishinga y’ikoranabuhanga bigoye kuyiha inguzanyo mu mabanki, bo murabateganyiriza iki?

Kanyambo: Ikorabuhanga ni urwego rwitaweho cyane hano mu Rwanda, kereka bifatanyije bagakora itsinda, twabafasha mu gutegura imishinga yabo, twabaha ubujyanama, twabafasha kugeza imishinga yabo mu mabanki kandi banaje muri gahunda ya hanga umurimo twabaha n’inguzanyo kandi twiteguye no gukorana nabo.

UM– USEKE: Mubona urubyiruko rwumva kandi rukitabira serivisi mutanga uko bikwiye?

Kanyambo: Urubyiruko rurabyumva kandi ruri mu bitabira gahunda zacu ari benshi.

UM– USEKE: Raporo zitandukanye zikunda kuvuga ko abagore bagitinya inguzanyo, ndetse bari inyuma y’abagabo mu gukorana n’ibigo by’imari, mwe serivisi zanyu barazitabira?

Kanyambo: Baritabira cyane, umugore w’uyu munsi atandukanye n’uwo mu myaka itanu ishize, kubera gahunda zo kubongerere ubushobozi, n’ubukangurambaga bwagiye bukorwa baragenda bahindura imyumvire,

Urugero ni abagore 300 bacuruzaga udutaro n’uduconco mu Mujyi wa Kigali twahuguye ubu bakaba baravuye mu mihanda basigaye bikorera.

UM– USEKE: Imbogamizi mujya muhura nazo ni izihe?

Kanyambo: Ibyo abantu batwifuzaho ni byinshi, hari abantu baba badafite imishinga myiza ariko bakumva ko uko byagenda kose BDF izabaha amafaranga.

UM– USEKE: Murakoze cyane kubw’ikiganiro muduhaye.

J. Kanyambo: Murakoze namwe, mutubwirire abantu ko tugiye gufungura amashami mu gihugu hose bazatinyuke batugane, ni vuba kandi imiryango irafunguye twiteguye kubafasha ibishoboka byose.

Amakuru arambuye ku mikorere ya BDF wasura; www.bdf.rw 

Vénuste Kamanzi
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