Ihungabana ry’Ubukungu ryatumye hari abagorwa no kwishyura inguzanyo z’Amabanki– BNR

Muri raporo nshya ya Banki Nkuru y’Igihugu (BNR) igaragaza ibipimo by’ubukungu mu bihembwe bitatu bya mbere by’umwaka wa 2016, biragaragara ko inguzanyo zitishyurwa neza mu Rwanda zazamutse, bitewe n’uko ubukungu bwahuye n’ibibazo.

Ubukungu bw’u Rwanda mu mwaka ushize wa 2016 bwakomeje guhura n’ikibazo cy’imanuka ry’ibiciro by’ibyo rwohereza mu mahanga, ndetse hiyongeraho n’amapfa yatumye umusaruro w’ubuhinzi ugabanuka, ibi bikaba byaragize ingaruka nyinshi ku bukungu bw’igihugu n’imibereho y’abaturage.

Gusa, BNR igatanga ikizere ko uyu mwaka ubukungu bw’u Rwanda buzazamuka cyane ugereranyije n’umwaka wa 2016.

Raporo nshya ya BNR yitwa “Monetary Policy and Financial Stability Statement” iravuga ko inguzanyo zitishyurwa neza mu mabanki zavuye kuri 6.2% mu 2015 zigera kuri 7.5% mu 2016, naho mu bigo by’imari ziva kuri 7.9% zigera ku 9.0% mu 2016.

Mu mpamvu zatumye abafashe inguzanyo bamwe na bamwe bananirwa kwishyura neza ngo harimo ihungabana ry’ubukungu bw’igihugu.

Iyi raporo ivuga ko inzego z’Ubucuruzi n’Amahoteli bifite hafi 41% by’inguzanyo z’amabanki yatanze, zombi zigaragara mu nzego zitishyuye inguzanyo neza, dore ko igipimo cyazo cyo kutishyura neza cyavuye ku 8.2% mu 2015, kigera ku 8.6% mu 2016.

Urwego rw’inganda n’ubundi BNR yari iherutse kugaragaza ko rwahungabanyijwe cyane n’ibibazo by’ubukungu u Rwanda rwahuye nabyo mu mwaka ushize (by’umwihariko inganda z’ibiribwa n’ibinyobwa), ni narwo rufite ibipimo byo kutishyura inguzanyo byazamutse cyane, dore ko byavuye kuri  2.5% mu 2015, bigera ku 9.4% mu 2016.

Uwase Peace, umuyobozi mukuru w’ishami rishinzwe urwego rw’imari (Director general for financial stability)  muri BNR avuga ko uburyo ubukungu bwari bwifashe muri rusange byagize ingaruka ku izamuka ry’inguzanyo zitishyurwa neza.

Ati “Dufashe nk’urugero ku buhinzi bwakomeje kuvugwa ko butagenze neza mu 2016, urebye ishusho y’inguzanyo zitishyurwa neza urwego ku rundi ubona ko inguzanyo zitishyurwa neza mu buhinzi zazamutse zigera kuri 22.7%, bivuye kuri 13.3%,…Nabyo byatewe n’umusaruro wabaye mucyeya kubera amapfa.”

Gusa, nanone ubuhinzi ni agace gatoya Amabanki ashoramo imari kuko inguzanyo ijya mu buhinzi ari 1.8% gusa by’inguzanyo zose zitangwa n’amabanki.

Uwase agashimangira ko imikorere y’inzego zigize ubukungu bw’igihugu byagiye bigira ingaruka ku myishyurire y’inguzanyo z’amabanki, Imirenge SACCOs n’ibigo by’imari bindi.

Ati “Hari isano rwose itaziguye hagati y’uko ubukungu bwitwara n’igipimo cy’inguzanyo zitishyurwa neza.”

Uwase Peace yabwiye Umuseke ko n’ubwo BNR ari urwego rukuru rureberera amabanki n’abayagana, nta buryo rwahuza abantu bafata inguzanyo ariko bakananirwa kwishyura neza kubera impamvu wenda zitanabaturutseho nk’ihungabana ry’ubukungu bw’igihugu.

Ati “Biragoye ko baborohereza kuko ni amasezerano baba barasinye, wenda baba bafite uburyo baborohereza, nko kugirana ibiganiro bakaba bagira ibyo wenda bahindura mu masezerano bafitanye, wenda bakaba babongerera igihe cyo kwishyura, niba kubongerera igihe hari uko byakorohereza uwafashe umwenda, ariko nabyo biba biterwa n’umushinga uko uteye. Nta kundi koroherezwa kwaba guhari.”

BNR ikaba iteganya kumanura igipimo cy’inguzanyo zitishyurwa kikagera kuri 5% muri rusange, binyuze mu kugenzura uburyo inguzanyo zitangwa.

Vénuste KAMANZI
UM– USEKE.RW