Impamvu gushora mu migabane bifite agaciro kanini –T. Kaberuka

Leta irakangurira abantu gushora no kwizigamira bagura imigabane mu bigo biri ku isoko ry’Imari n’Imigabane, impuguke mu bukungu Teddy Kaberuka avuga ko irishora mari ari ryiza, cyane cyane kubifuza kwizigamira by’igihe kirekire.

Uretse ishoramari ry’ubucuruzi, gushinga uruhanda, ubuhinzi n’ubworozi n’ibindi abantu basanzwe bazi, hari n’ubundi buryo buteye imbere abantu basigaye bashoramo amafaranga yabo akababyarira inyungu batarushye.

Ubu buryo bugezweho ni ukugura imigabane mu kigo runaka cyangwa kugura impapuro z’agaciro mvunjwa-faranga z’umwenda wa Leta (Treasury Bonds) cyangwa iz’ibigo (Corporate Bonds)  ku isoko ry’imari n’imigabane.

Uguze imigabane mu kigo uba ubaye umwe muri ba nyir’icyo kigo kugera igihe uzashakira ukagurisha imigabane yawe, cyangwa ukazayiraga urubyaro rwawe.

Teddy Kaberuka impuguke mu by’imari n’imigabane, yemera ko umuntu wese ataremewe gukora business ndetse bose batabishobora ku rwego rumwe, ariko ubu ushobora kuba umunyamigabane muri Banki, Uruganda cyangwa ikigo runaka bitagusabye kugitangiza, ahubwo uguze imigabane yacyo gusa.

Kaberuka avuga ko impamvu umuntu yakagombye gushora mu migabane n’ibijyanye n’isoko ry’imari n’imigabane ari nyinshi, gusa iz’ibanze ari ari impamvu z’ishoramari rirambye.

Ati “Ukuntu ubukungu buteye, ufite amafaranga udafite umushinga wo kuyakoresha, wayabika murugo cyangwa muri Banki ariko buri mwaka amafaranga ata agaciro, nyamara iyo uguze imigabane muri Kompanyi runaka nyuma y’imyaka 20 iba yarangutse.”

Akavuga ko uretse kuba buri mwaka cyangwa buri gihembwe Kompanyi iha abanyamigabane inyungu ku mugabane (Dividend), ngo hari n’andi bita ‘reserve’, Kompanyi isigarana akazamura umutungo bwite wayo ku buryo abayishoyemo baba bafite inyungu z’igihe kirekire.

Ati “Reka mbahe urugero; uyu munsi uzigamira kuzishyurira umwana wawe Kaminuza mu myaka 18 iri imbere, ukajya ubika ibihumbi 100, mu myaka 18 azajya gutangira Kaminuza bya bihumbi 100 byarabaye ubusa kubera ko ibiciro bizaba byarazamutse.

Ariko ibyo bihumbi 100 ubigura imigabane buri kwezi, mu myaka 18 iyo Kampani itarahombye, ari Kampani yazamutse mu buryo busanzwe, umutungo bwite wayo uba warazamutse kuburyo agaciro k’ishoramari waba warakoze kaba gahura n’agaciro k’ishoramari ryose wakoze muri icyo gihe. Ishoramari ryawe rizagera icyo gihe rifite agaciro k’icyo gihe.”

Kaberuka asaba abantu kwitabira kugura imigabane no kurushaho kongera imigabane baguze kuko usanga akenshi abantu bacibwa intege n’uko babona inyungu nto ku mugabane bitewe n’uko bafite imigabane micye. Iyo ufite imigabane myinshi ifatika inyungu urayibona.

Aha avuga ko hari abantu bagiye bagura imigabane micye, umwaka warangira bakabona inyungu nke cyane bikabaca intege, ndetse bikanaca intege n’abandi batekerezaga kubijyamo.

Umuntu ufite imigabane kandi ashobora kuyitangaho ingwate muri Banki cyangwa ibindi bigo by’imari kuko ari umutungo wemewe n’amategeko uba ufite. Iyo uyigwatirije, Banki irayifata ariko inyungu ku migabane yawe Banki ntiyikoraho ukomeza kuyihabwa yose.

Ku isoko ry’imari n’imigabane kandi wahasanga, Impapuro z’agaciro mpeshwamwenda za Leta cyangwa ibigo byigenga, uguze impapuro zifite agaciro ka Miliyoni imwe, buri mwaka bakungukira inyungu akenshi usanga iri hejuru 10%, kandi imyaka runaka za mpapuro zigomba kumara yashira bakagusubiza Miliyoni yawe wabagurije.

Vénuste KAMANZI
UM– USEKE.RW