MINAGRI ifite icyizere ko banki zizongera inguzanyo zitanga mu buhinzi

Mu kiganiro Umunyamabanga wa Leta ushinzwe umusaruro w’Ubuhinzi muri Minisiteri y’Ubuhinzi n’Ubworozi, Toni Nsanganira yagiranye n’Umuseke, avuga ko imbogamizi banki zigirira imishinga y’ubuhinzi bigatuma yimwa inguzanyo, imyumvire izagenda ihinduka uko ibigo by’Ubwishingizi bizarushaho kuba byinshi mu kwishingira abahinzi.

“Umwuga ni Ubuhinzi bindi ni amahirwe!”, ni imvugo yakunze gukoreshwa n’abayobozi mu bihe byashize, nyamara muri iyi minsi banki zigorwa no kubenguka imishinga yo mu buhinzi ku buryo bworoshye kugira ngo ibe yahabwa inguzanyo.

Umunyamabanga wa Leta muri Minisiteri y’Ubuhinzi n’Ubworozi ushinzwe umusaruro, Toni Nsanganira, yemeza ko imyumvire mu mabanki ikiri hasi mu gutanga inguzanyo mu buhinzi, ariko uko amakompanyi yishingira abahinzi azaba menshi imyumvire nayo izahinduka.

Mu kiganiro yahaye Umuseke tariki 8 Nzeri 2015 mu nama y’Umuryango wita ku buhinzi muri Africa y’Uburasirazuba (East African Grain Council) itegura izaba hagati ya tariki ya 1-3 Ukwakira 2015 i Kigali, yavuze ko MINAGRI ntako iba itagize mu gushyiraho ibigega bifasha abahinzi n’ubwo banki zikigaragaza inzitizi mu kuguriza imishinga yo mu buhinzi.

Yagize ati “Amabanki agomba kubyumva (guhindura imyumvire mu gutanga inguzanyo), kandi turabona ko uko imyaka igenda ishira hari ikimaze gukorwa. Urebye mu myaka itanu inguzanyo mu buhinzi zari kuri 3% ariko ubu zimaze kugera ku 8%, tururifuza ko yikuba inshuro ebyiri mu myaka mike isigaye y’iyi gahunda y’imbaturabukungu EDPRS II.”

Yakomeje agira ati “Ibyo twe dukora nka Leta, hari ibigega bigenda bishyirwaho dufatanyanyije n’abafatanyabirwa batandukanye kugira ngo byunganire amabanki, abe yakwizera imishinga y’ubuhinzi ihabwe inguzanyo.”

Avuga ko ibyo bigega hari ubwo byifashishwa mu mabanki nk’ingwate, cyangwa bigafasha kwishyura igice cy’inguzanyo zihabwa abahinzi bamwe na bamwe. Ibi bigega ngo binafasha abahinzi gukora imishinga yunguka yahabwa inguzanyo.

Yagize ati “Icyo twifuza ko ibigo by’imari bikora ni uko nabyo byazanamo akabyo mu gutanga izo nguzanyo. Ubu turakorana n’ibigo by’imari bitandukanye harimo n’ibitoya ku buryo hari icyizere ko inguzanyo mu buhinzi ziziyongera.”

Toni Nsanganira avuga ko kugira ngo inzitizi ziveho, ibigo by’ubwishingizi bigomba gushora imari mu kwishingira abahinzi kugira ngo impungenge banki zigirira imishinga y’ubuhinzi zigabanuke.

Ati “Turizera ko muri ubwo bufatanye, mu nama nk’izi zihuza abantu bose tuzarushaho kugenda tubiganira, tukareba ngo haracyabura iki kugira ngo tugere aho twifuza. Ntabwo nshidikanya ko mu gihe nk’iki mu minsi iri imbere, tuzakomeza dutera intambwe mu kugeza amafaranga ku bahinzi kugira ngo bakomeze gutera imbere.”

Mu cyegeranyo cyasohowe na Banki Nkuru y’Igihugu ku bijyanye na Politiki y’Ifaranga, (Monetary Policy Status) mu gice cya mbere cy’umwaka wa 2015, hagaragaramo ko muri rusange imishinga y’Ubuhinzi yangiwe inguzanyo ni 6.5% aho imishinga 4,520 yasabaga inguzanyo, igera kuri 294 yangiwe inguzanyo.

UMURENGE SACCO wahize ibindi bigo by’Imari iciriritse mu gutanga inguzanyo mu buhinzi, nk’uko byagaragajwe na Banki Nkuru.

Kuva mu kwezi kwa mbere kugeza mu kwagatandatu 2015, abantu bagera kuri 3,4% by’abantu 128 433 bari banditse basaba inguzanyo muri banki imishinga yabo ntiyafashwe, ikaba ingana na 20% by’amafaranga yose miliyari 450,9 yari yatswe nk’inguzanyo mu gihe mu mwaka ushize wa 2014 imishinga yangiwe inguzanyo yari 14,4%.

Icyegeranyo cya Banki Nkuru kigaragaza ko imishinga yo mu bucukuzi bw’amabuye yangiwe inguzanyo ari 33,3% (ariko hari hasabye batndatu muribo babiri barangirwa), inguzanyo muri serivisi, imishinga 26,2% ntiyafashwe (ni ukuvuga 150 kuri 572), mu nganda zikora ibintu bitandukanye, imishinga 24,0% ntiyafashwe (Ni ukuvuga 43 kuri 179), mu bwikorezi itaragurijwe ni 18,4% (imishinga 121 kuri 656).

HATANGIMANA Ange Eric
UM– USEKE.RW