Inyungu kuri Bourse ni hafi 18% aho kuba 11% benshi bazi…Abadepite basabye kudohora
Abanyeshuri bose bahawe inguzanyo bazishyura bamaze kubona akazi
Mu mushinga w’itegeko rigenga itangwa ry’inguzanyo ‘Bourse’ ku banyeshuri ba Kaminuza mu Rwanda, hateganyijwemo ko umunyeshuri wagurijwe azishyura inyungu ya banki ingana na 17,5%, bamwe mu badepite babona inyungu izaba iri hejuru, Minisitiri w’Uburezi we akavuga ko inyungu itajya munsi kuko ari iyo bita ‘Simple interest’.
Uyu mushinga w’itegeko wagejejwe imbere y’inteko rusange ku wa mbere w’iki cyumweru, utangira gutorwa mu ngingo zose 30 ziwugize, ariko bitewe n’impaka no gutanga ibitekerezo kuri buri ngingo byasabye ko abadepite bawemeza bukeye ku wa kabiri tariki ya 1 Nzeri 2015.
Hon Mukamurangwa yasabye komisiyo y’Uburezi, Ikoranabuhanga no kwita ku bidukikije mu Nteko umutwe w’abadepite, icyagendeweho kugira ngo inyungu ya banki ive kuri 7% igere kuri 11%.
Hon Theodomir avuga ko hakwiye kuzarebwa uko umunyeshuri warangije kwiga akishyura neza inguzanyo adakwiye kwishyuzwa inyungu, cyangwa akaba yagabanyirizwa inyungu.
Minisitiri w’Uburezi Dr Papias Musafiri Malimba, yunganira Komisiyo yize itegeko, yabwiye abadepite ko inyungu izakwa abazarangiza bazaba bagurijwe ingana na 11% kandi ngo iri hasi ugereranyije na 18% banki isanzwe isaba.
Avuga ko iyi nyungu izatangwa ku mafaranga umunyeshuri yahawe kandi akazatangira kubari igihe azaba atangiye kwishyura yabonye akazi aho kubarirwa igihe amaze abonye inguzanyo (yabyise simple interest).
Hon Nkusi Juvenal Perezida wa Komisiyo ishinzwe gukurikirana uko umutungo wa Leta ukoreshwa (PAC), avuga ko inguzanyo izahabwa umunyeshuri nta by’ubuntu birimo, ndetse ku bwe niho ahera asaba ko Banki yazagira uruhare mu gukurikirana abo yagurije aho guha inshingano uzaba ari umukoresha wabo.
Yagize ati “…Niba inguzanyo iri ku nyungu ya 11% nta bwasisi burimo (cadeau), ni ubucuruzi, kuko Banki Nkuru y’Igihugu ibabarira Repo Rate ya 6% (ubu Repo Rate ni 6,5% muri BNR), byakongerwaho 11% bikaba 17%, nta by’ubuntu birimo.”
Nkusi kandi avuga ko bitumvikana ukuntu itegeko riha Minisiteri y’Uburezi kugena inyungu ku nguzanyo, akavuga ko ubwo bubasha na Ministeri y’Imari n’Igenamigambi itabufite. Avuga ko bikwe ko Minisiteri y’Uburezi yajya yicarana na Banki y’Igihugu mu gihe runaka bakagena inyungu ngo kuko ayo ma miliyari azatangwa azagira ingaruka ku bukungu bw’igihugu.
Hon Rwabyoma we asanga inyungu ku nguzanyo ya ‘Bourse’ hakwiye kurebwa uko yagabanywa.
Kuri izi mpungenge z’abadepite, Perezida wa Komisiyo yize itegeko, Hon Mukazibera Agnes avuga ko mbere yo kweza inyungu izatangwa ku nguzanyo, Banki Nkuru y’Igihugu yabanje kugishwa inama.
Ndetse Visi Perezida wa Komisiyo yongeraho ko ikigo cy’imari kizatanga inguzanyo ku banyeshuri ngo si cyo gikwiye kugena inyungu bitewe n’uko cyo kizaba ari umurongo wo gucishamo amafaranga, bityo ngo ni yo mpamvu politiki y’Uburezi ariyo izajya igena inyungu.
Minisitiri w’Uburezi, Dr Papias Musafiri, abunganira yavuze ko itangwa ry’inguzanyo ku banyeshuri ari uburyo bwihariye amafaranga ya Leta anyuzwa mu kigo cy’imari, iyo ngo ni yo mpamvu hari ibyirengagizwa mu buryo imikorere yari iteye.
Yagize ati “Repo Rate ni 7% ni yo mpamvu habayeho kureba bagasanga inyungu ntoya itagira ingaruka ku bukungu ari 11%.”
HATANGIMANA Ange Eric
UM– USEKE.RW
English
14 Comments
Iyi politike y’uburezi kubijyanye n’inguzanyo ntisobanutse namba, ngo bank niyo izaguriza bakongera bati Leta izajya inyuza amafaranga muri bank!!
Ikigaragara kimwe nuko biri kuba ubucuruzi cyane kuruta kuba uburezi, muri make Leta yiyambuye inshingano kubanyagihugu none ibagurishije kuri za bank z’ubucuruzi, nakumiro.
Aba bose barimo gukora izi politike nibasubize amaso inyuma barebe aho bavuye naho bageze ubu bareke kwigira ibitangaza bashyiraho politike zipyinagaza abanyagihugu.
Niba Leta ibona ko itagishoboye gutanga scholarships kubanyeshuri nkuko byahoze nigabanye umubare wabo yemere kwishyurira abo ishoboye cg ibivemo byose abantu bajye birwariza bimenyekane aho gukomeza kubyinisha abantu muzunga babakoza hirya no hino.
Nigute bavuga ngo repo rate ni 7% hanyuma bakongeraho 11% bikaba 18% nonese BNR niyo izaba iguriza izo banks? niyo yaba iziguriza kandi tuzi ko rate ku imishinga y’iterambere ari 15%, 14%…none ni gute umunyeshuri yakwishyuzwa 18%?
Uyu mushinga urababaje cyane kandi uzagira ingaruka mbi ku igihugu n’ubukungu bwacyo muri rusange.
Ese kp batatubwira comission Banks zo zizafataho? Kuko niba Banks ari umuyoboro Leta izanyuzamo ayo mafaranga, ikanishyuriza Leta, ntabwo zizabikorera ubuntu!? Nibatubwire commission zizafata nuko zahiswemo!
Menya ko turi mu bihe bya globalisation,igendera kuri spirit ya invest &benefice
sindwanaya iterambere ariko Inteko yacu amategeko yemeza ni akumiro.
Cyakora noneho nshizeho spradra.
“DISLIKE!”
noneho ndumiwe ko numva ari ukwipanga?
Ayo mafaranga, aho kuyatera inyoni ngo ndiga, nayaka bank nkayacuruza. Ubundi se ko nakazi kabuze.
birakaze gusa bige nukuntu akazi kazajya kaboneka kubarangije babone uburyo bishyura
ariko noneho irikinamico rimaze nogutera isesemi. ubundise niba leta idashoboye kwishyurira abana ngo bigire ubuntu imaze iki. nonese nyine ko izab ibagurij ngo bige izaba ibahaye cash ngo bakore busines ? nonsens!
Hari ikibazo gikomeye abadepite batizeho muri iryo tegeko, icyo kibazo kijyanye n’abanyeshuri biga hanze y’u Rwanda bahabwa buruse na Leta. Ese abo banyeshuri bazishyura amafaranga yose Leta izaba yarabatanzeho (Tuition, living allowance, research fees, ticket etc)? Icyo kibazo cyari gikwiye gusobanuka abanyarwanda bakamenya neza niba ririya tegeko abadepite batoye rireba abanyeshuri bose b’abanyarwanda bahabwa buruse (inguzanyo) na Leta, baba abiga hanze y’igihugu cyangwa abiga mu gihugu.
Niba ririya tegeko rireba gusa abanyeshuri biga mu gihugu (mu Rwanda) abanyarwanda twese dukwiye kubimenya. Ntabwo byaba byumvikana ukuntu abadepite bashyiraho itegeko rireba ibyerekeranye no gutanga no kwishyuza inguzanyo y’abanyeshuri biga mu mashuri makuru, iryo tegeko rikareba bamwe gusa abandi ntiribarebe.
Niba rero iryo tegeko rireba abanyeshuri bose, baba abiga mu gihugu baba abiga hanze y’igihugu, iryo tegeko ryakagombye gusobanura neza umubare w’amafaranga y’inguzanyo agomba kwishyurwa n’abanyeshuri biga hanze y’u Rwanda kubera ko bo amafaranga y’inguzanyo bahabwa ari menshi cyane, ku buryo nibasabwa kuyishyura yose bizabafata igihe kirekire cyane. Kereka niba bazishyura amafaranga angana n’ayabize mu Rwanda n’ubwo bwose bo bahabwa amafaranga menshi cyane y’inguzanyo.
Ni ngombwa ko iki kibazo gisobanuka neza, ejo hatazavuka ibibazo by’insobe bitewe n’uko abadepite batize neza kuri iki kibazo.
SFAR/MINEDUC/BNR/MINECOFIN/MIFOTRA&BANKS
Mureke gukinisha abantu kuko amaherezo uko mubakinisha bizabagaruka,
Dore murabanje mushyizeho SFAR ngo yishyuze ayo twagurijwe, turatangiye turishyuye ariko mperutse gutangazwa nuko nagiye kubabaza ayo mbasigayemo ngasanga na na records zanjye bagira ngo ningende bazansubiza, hanyuma mukicara muri bureau ngo imyenda mufiwe nabatarishyura ngo ni 57billion kandi mutazi numubare wabo mwishyura. Mumaze kubonako mwabyize nabi muti reka tubihe banks.
Ese ko mwanyishyuriye muri 1,300,000 kumwaka none nkaba mbihyura Rwf 1,600,000 ni gute mutakongera ngo muyagurize undi cyangwa ayo mwishyuza afite ibindi bwinshi bitabagaho mbere musigaye muyakoresha.
Abari munteko/ministers/ and others big bosses there; mwibukeko mbere yo kuba abo muribo muri abanyarwanda kandi ko ari ukwibeshya kwibwirako yakize kandi umuturanyi yaburaye, iyo nyungu muri kwemeza tuzayitanga yego ariko uko turushaho gukena niko bizabagiraho ingaruka buhoro buhoro kuzageza kubana banyu ndetse nabuzukuru. Think far what will be the life of your grand sons and daughters after this misery you are posing to Rwanda.
Mureke twese twubake urwanda tujyane muri gahunda zose nkuko tujyana no mubindi aho kumvako hariho amabuye mukwiye guhondagura mwubaka aho andi muzayarunda.
Rwanda is Rwanda for Rwandans not Rwanda for rich and poor; all of us we are Rwandans before being poor or rich.
JAMES KABAREBE, Rwanda president 2017! mu rugendo rwa Perezida wa Leta zunze ubumwe za Amerika aherutse kugirira ku mugabane wa Afurika muri Ethiopia yatangarije abaperezida ba Afurika ko niba mu gihe wayoboye uko kingana kose utarabashije gutegura umuntu uzagusimbura amakosa aba ari ayawe atari ay’abaturage.
Nkurunziza/Kagame bose ntamwana arimo, kandi babaze kwironderera inyungu zabo. Nahogufata igihugu cuburundi ntivyoroshe nagato uretse kumena amaraso yinzira karangane.
Reka gusakuza aliko batwihere ikashi twiyigire!
Hari garantie yindi badusabye se!?
Oh,ntihagire umunyeshuri utaka inyungu.
Mwicecekere bayaduhe twige nzabereka turangije kwiga.
Mbabajwe n’uwo batayemereye gusa.
Murasakuza nkumva nabapfuka spradra!
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