Ni ingingo yagarutsweho ku wa 01 Ugushyingo 2024, mu kiganiro n’itangazamakuru, ubwo iki kigo cyatangizaga ku mugaragaro ubukangurambaga bwo kwiyegereza abaturage no gutanga serivisi inoze buzamara amezi atatu.

Intego y’ubu bukangurambaga ni ukongera umubare w’abakoresha serivisi za BDF, kumenyekanisha ibikorwa by’ikigo no gukora ibikorwa bigamije kuzamura igipimo serivisi zacyo zishimirwaho.

Ubukangurambaga buzaba kuva mu Ugushyingo 2024 kugeza muri Mutarama 2025, bugere mu turere twose tw’igihugu.

Gahunda ihari muri aya mezi atatu ni uko serivisi za BDF y’ingwate ku mishinga yakwitabirwa, ku buryo muri icyo gihe abantu 1.000 bashobora kuyitabira bikazatwara miliyari 2,5 Frw.

Binyuze kandi muri serivisi yo gushyigikira urubyiruko rufite imishinga mu byiciro bitandukanye by’ubuhinzi, biteganyijwe ko aya mezi atatu azarangira hashowemo miliyoni 200 Frw.

Binyuze muri serivisi y’ikodeshagurisha hateganyijwe kuzashorwa miliyoni 400 Frw, mu yindi imeze ityo ariko irebana n’ibikoresho bito bito hashorwemo miliyoni 100 Frw.

BDF kandi igira imikoranire n’ibigo by’imari bito n’ibiciriritse ndetse na za SACCO, aho inyuzamo amafaramga yo kugeza ku baturage, aho biteganyijwe ko na ho hazanyuzwa miliyoni 600 Frw azagenerwa abagera ku 10.

Hari indi serivisi ya BDF ‘CDAT’ y’inkunga nyunganizi ihabwa abahinzi n’aborozi aho basabwa kuba afite 50% by’imari bakeneye mu mishinga yabo andi bakayahabwa n’iki kigo. Na ho biteganyijwe ko hazanyura miliyari 1,5 Frw.

Kugeza ubu muri iyi serivisi, BDF imaze gufasha imishinga irenga 236, iyiha miliyoni zirenga 380 Frw.

Munyeshyaka Vincent, yavuze ko mu mitangirire ya BDF abantu bagiye bayifuzaho byinshi rimwe na rimwe bidahuye n’ingengo y’imari ihari, bigatuma benshi bayifata nk’ituzuza inshingano zayo neza.

Yatanze urugero aho nko mu bihe bya Covi-19, bari bafite ubusabe bw’imishinga ikeneye miliyari 18 Frw kandi mu by’ukuri bafite miliyari 8 Frw gusa.

Yagize ati “Muri iyi myaka twanavuguruye imitangire ya serivisi ku buryo itinda ubu itarenza ibyumweru bibiri, hakaba n’izoroshye ubu twatanga mu minsi ine cyangwa irindwi.”

Munyeshyaka yavuze ko hari n’abagiye bagaragaza imbogamizi mu kuzuza ibisabwa ngo bahabwe serivisi runaka, yizeza ko “Twakomeza kujya tureba niba hari icyo twakoroshya, ariko ntituzoroshya ku rwego rwo kutabasaba ikintu na kimwe […] cyane cyane ku rubyiruko aho usanga nta kwihangana.”

Ubushakashatsi bwakozwe mu 2023 bwagaragaje ko abaturage batishimiraga serivisi za BDF ku rugero rwa 49%, mu gihe mu 2024 iyi mibare yahindutse aho kuri ubu zishimirwa ku rugero rwa 71%.

Ibi bishimangirwa n’imibare, kuko mu mwaka w’ingengo y’imari 2023/2024, amafaranga yatanzwe nk’ingwate mu kwishingira imishinga y’abaturage yari miliyari 15 Frw, mu gihe mu bihe byabanje ahashorwaga menshi atarengaga miliyari 4 Frw ku mwaka.

Muri uyu mwaka, BDF yinjije miliyari 1,1 Frw havuyemo imisoro, ibasha kugaruza inguzanyo yatanzwe ingana na miliyari 4,1 Frw.

Kugeza ubu BDF ikorera mu turere twose tw’igihugu aho ifite amashami 30 mu Rwanda hose. Atangirwamo serivisi zitandukanye zirimo izagenewe guteza imbere urubyiruko, abagore, abafite imishinga y’ubuhinzi n’izindi.

Kuva yashyirwaho mu 2011 na Leta y'u Rwanda ifatanyije na Banki y' Amajyambere y'u Rwanda [BRD], BDF imaze gufasha imishinga itandukanye 38.871 yatanzeho miliyari 128,8 Frw, hanahangwa imirimo 116.613.