Rwanda: Ibigo by’imari iciriritse byambuwe agera kuri miliyari 10

Kuri uyu wa kabiri mu bushakashatsi bwamuritswe n’ihuriro ry’ibigo by’imari iciriritse mu Rwanda (AMIR) bwagaragaje ko ibigo by’imari iciriritse bimaze kwamburwa amafaranga y’u Rwanda agera kuri miliyari 10 akaba angana na 7%. Aya mafaranga ngo ni abayagurijwe banga kwishyura.

Ubu bushakashatsi bwari bushingiye cyane ku mpamvu inguzanyo zihabwa abakorana n’ibi bigo by’imari ntibishyure, aha umukozi ushinzwe igenzura (Consultant)  yavuze ko  hari impamvu nyinshi ku buryo zashyizwe mu byiciro bine.

Yavuze ko hari inguzanyo zitishyurwa bitewe n’uburyo amategeko akozwemo mu kuzishyuza biciye mu nzira z’urukiko,  impamvu ituruka ku bigo by’imari ubwabyo, izituruka ku bakiliya ubwabo aho bamwe bigaragara ko harimo n’agasuzuguro ko kwanga kwishyura, indi mpamvu n’uburyo inguzanyo itangwamo bigatuma ikigo cy’imari cyamburwa.

Mu kiganiro yagiranye na Umuseke  Speciose Speciose wagize uruhare muri ubwo bushakashatsi, yavuze ko hakurikijwe uburyo ingwate itangwa usanga bisabwa kujya kwandikisha kuri RDB, kandi ngo bigaragara ko muri Kigali amafaranga yo kwandikisha ari menshi aho dosiye imwe yishyurwa agera ku bihumbi makumyabiri (20 000).

Ibiburanwa mu bigo by’imari iciriritse hasabwa kwishyura amafaranga hagati y’ibihumbi 200,  ijana, cyangwa ibihumbi mirongo itanu (50 000) bitewe n’agaciro.

Igiko RDB cyagerageje uburyo bw’ikoranabuhanga mu kwandikisha ingwate kugira ngo hatagenda amafaranga menshi ariko za SACCO akenshi ntizigira ikoranabuhanga, kandi hamwe na hamwe nta muriro uhari.

Yagize ati “Urebye ku mafaranga ikigo cy’imari gitanga ku mu Avoka mu gihe cyo kurega uwacyambuye na yo yarazamutse, usanga umuntu ari kuburanira ibihumbi 300, bakaba bamusaba amafaranga y’umu avoka ibihumbi 500. Izi ngendo zose ni zo zituma ibigo by’imari iciriritse bidakurikirana izi manza aho usanga ibigo byinshi byihorera ababyambuye.”

Ayinkamiye yakomeje avuga ko mu nguzanyo zose zatanzwe, izingana na miliyari 10 y’amafaranga y’u Rwanda abantu bayambuye.

Muri ubu bushakashatsi ikigo cya BDF gishinzwe gutanga ingwate ku rubyiruko n’abagore na cyo cyatunzwe agatoki ko hari ibigo by’imari kitarishyura.

Egide Sempabwa ushinzwe ishami rya ‘Risk management’ muri BDF yavuze ko atari byo kuko nko mu ma SACCO no muri za Micro Finance bamaze gutanga ingwate igera kuri Miliyari 2,9 ariko ngo muri ayo SACCO eshatu ni zo zabashije kwishyuramo agera kuri miliyoni 2,4.

Peter Rwema umunyamabanga nshingwabikorwa wa AMIR yavuze ko nubwo mu Rwanda byagaragaye ko 7% by’inguzanyo zitishyurwa, ngo ugereranyije n’ibihugu bigize umuryango wa EAC ruragerageza.

Mu Burundi  inguzanyo zitishyurwa ngo ni 10%, Tanzaniya igeze ku 8,5 %.

Avuga ko ubu icyo bahagaranira ari ukugabanya uwo mubare ukagera kuri 5% ku nguzanyo zitangwa izo ari zo zose nk’uko Banki Nkuru y’igihugu ibiteganya. Gusa imibare mpuzamahanga iteganya ko bagomba kugira nibura 3%.

Rwema ati “Abanyarwanda bakwiye kumva ko kwishyura inguzanyo ari inshingano, ndetse bakwiye kumva ko iyo batishyuye ayo mafaranga aba yambuye abandi, kuko amafaranga aba ari mu bigo by’imari iciriritse aba ari amafaranga ya bagenzi be.”

Amafoto/D S Rubangura/UM– USEKE

Daddy SADIKI RUBANGURA
UM– USEKE.RW