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HEC yananiwe gusobanura uko abishyura inguzanyo zihabwa abanyeshuri bakatwa inyungu nta tegeko rigendeweho

Yanditswe na Kanamugire Emmanuel
Kuya 15 Nzeri 2021 saa 07:07
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Abadepite bagize Komisiyo ishinzwe kugenzura imari n’umutungo by’igihugu, ntibanyuzwe n’ibisobanuro by’ubuyobozi bw’Inama Nkuru y’Amashuri Makuru na Kaminuza (HEC), ku bibazo biri mu mitangirwe ya buruse n’inguzanyo zihabwa abiga n’abize muri iki cyiciro.

HEC yitabye PAC, kuri uyu wa Kabiri tariki 14 Nzeri 2021.

Mu bibazo yasabweho ibisobanuro harimo ibishingiye ku kudashyiraho ingamba za ngombwa ngo gahunda ya buruse zihabwa abanyesuri inoge nk’uko byari biteganyijwe mu itegeko ryo mu 2015 rigenga inguzanyo za buruse zihabwa abanyeshuri.

Iryo tegeko ryateganyaga ko hazashyirwaho amateka atatu (iteka rya Perezida n’ andi mateka abiri ya Minisitiri) azuzuza itegeko kugira ngo ibijyanye n’inguzanyo ndetse na buruse zihabwa abanyeshuri zicungwe neza.

Kugeza ubwo habaga ubugenzuzi muri Mata 2021, ayo mateka yari atarashyirwaho bikaba bigira ingaruka mu kubara amafaranga umunyeshuri wahawe inguzanyo yishyura ndetse n’inyungu ya 7%, 11% na 12% byakwa na banki nta tegeko bishingiraho rihari ndetse na 8% akatwa ku mushahara wa buri kwezi ku bishyura.

Ikindi ni uko mu 2015 ubwo hemezwaga ko gahunda yo gutanga inguzanyo na buruse ivanwa muri REB igashyirwa muri BRD, hagombaga kujyaho inama y’ubuyobozi igizwe n’abantu b’impuguke mu by’uburezi. Uru rwego na rwo ntirwigeze rushyirwaho ahubwo abadepite batunguwe no gusanga inshingano zayo zikorwa n’Inama y’ubuyobozi ya BRD.

Umuyobozi w’Inama Nkuru y’Amashuri Makuru na Kaminuza (HEC), Dr Mukankomeje Rose, yavuze ko amateka yakerewe ariko ubu inyandiko z’agateganyo zateguwe zikaba zikiganirwaho.

Ku bijyanye n’ijanisha ry’inyungu zikatwa abanyeshuri bahawe buruse, hasobanuwe ko hashingirwa ku masezerano Minisiteri y’Uburezi yagiranye na BRD ubwo iyi gahunda yegurirwaga iyi banki.

PAC yavuze ko kuva aya amafaranga akatwa abagenerwabikorwa yagombye kuba ari mu itegeko ku buryo bafata inguzanyo bazi ikibategereje, ko bitari bikwiye ko bafatirwa icyemezo kidashingiye ku itegeko.

Umunyamabanga Uhoraho muri Minisiteri y’Uburezi, Charles Karakye, yavuze ko gutinda gushyiraho inama z’ubutegetsi byatindijwe n’ibiganiro hagati y’inzego zombi ngo barebe uko byashyirwa mu bikorwa.

Umuyobozi Mukuru wa BRD, Kampeta Sayinzoga yavuze ko bagirana ibiganiro bihoraho hagati ya HEC na Minisiteri y’Uburezi ku buryo imyanzuro ngenderwaho yemeranywaho ku rwego rw’Inama y’ubuyobozi ya BRD.

Depite Mukabalisa Germaine ati “Ni byo koko muraganira, nta kundi mwagira kuko urwego rwagombaga kujyaho rubireberera rudahari. Ndumva na gisubizo tubonye kinoze. Tubonye ko BRD yirwanaho kugira ngo ibashe gutanga raporo ku byo isabwa ariko abagombaga kuyigenzura batagiyeho.”

HEC kandi yanenzwe kunanirwa gushyiraho amabwiriza asobanura uko inguzanyo zitangwa no kutagira igishingirwaho mu gutegura ingengo y’imari ijyanye n’inguzanyo na buruse, leta ikaba yarakomeje gutanga amafaranga muri iyi gahunda ariko nta sesengura ryakozwe ngo hagaragare icyuho kiri mu burezi.

Kampeta yavuze ati “Hari amabwiriza ngenderwaho mashya turimo gutegura dufatanyije na HEC.”

Dr Mukankomeje yavuze ko buri mwaka HEC ifite umubare w’abanyeshuri bagimba kwigishwa hagakorwa ingengo y’imari hagendewe kuri iyo mibare. Buri mwaka tugenda twongera dukurikije ingengo y’imari ihari ariko duhereye ku byo Umugenzuzi w’Imari yatweretse tugiye kwicara tubitegure n’abandi babibone.”

Mu gihe Inama y’Abaminisitiri mu 2015 yari yasabye ko umubare w’abahabwa inguzanyo na buruse ugomba kuba ugeze kuri 36% mu myaka 10 uvuye kuri 16% wariho icyo gihe, Gasangwa yavuze ko bageze kuri 24% by’abarangiza amashuri yisumbuye mu gihe ubu bagombaga kuba bari kuri 26%.

Mu banyeshuri 37.184 barangije amashuri yisumbuye mu 2018, abahawe inguzanyo ni 11.935.

Mu bahabwa inguzanyo harimo abatazwi n’abatarasinye amasezerano

Abanyeshuri 13 bishyuriwe miliyoni zirenga 216 z’amafaranga y’u Rwanda abandi 55 bishyuriwe arenga miliyari ebyiri nta amasezerano y’inguzanyo bafite.

Abahagarariye HEC babanje gusobanura ko abo banyeshuri batangiye kwiga ibyo gutanga inguzanyo na buruse bikiri mu nshingano za REB. Bimaze kwegurirwa BRD ntiyahabwa amasezerano bari barasinye bituma inanirwa gusobanura imiterere y’ikibazo imbere y’Umugenzuzi w’Imari ya leta.

Perezida wa PAC, Muhakwa Valens ati " Mwananiwe kuyavana muri REB ngo muyashyikirize Umugenzuzi w’Imari ya Leta?Turafata ko adaharikubera ko atabonetse."

Depite Bakundufite Christine ati "Ntabwo turi kunyurwa n’ibyo bari kutubwira; aya ni amafaranga kubera ko n’ayo masezerano atabonetse no kubishyuza byazabagora.Nibemere ko nta yahari barebe uko babikemura."

Umuyobozi wa HEC, Dr Mukankomeje Rose, yasobanuye ko kuri ubu umunyeshuri ugeze mu mahanga agahindura ibyo yagombaga kwiga agomba kwiyishyurira

Dr Mukankomeje yasobanuye ko kuva aho bamenyeye ibi bibazo byatangiye gukemuka. Ngo BRD yatangiye gusinyisha abo banyeshuri na HEC ikomeza kugenzura ibitagenda neza ku buryo amakosa yose azakosorwa.

Umugenzuzi Mukuru w’Imari ya Leta yasanze HEC idafite amakuru ku banyeshuri biga mu mahanga (umubare, abarangije amasomo, abacyiga n’abahagaritse amasomo) amafaranga agakomeza kwishyurwa bitazwi icyiciro umunyeshuri agezemo.

Ku banyeshuri 327 bagombaga gutanga raporo (progress report), 29 bonyine ni bo bayitanze.

Depite Mukabalisa Germaine yavuze ko umukozi wari ushinzwe gukurikirana raporo z’abo banyeshuri ariko ntabikore yakagombye kuba yarabihaniwe, Dr Mukankomeje asubiza ko yandikiwe ibaruwa isaba ibisobanuro.

Ku rundi ruhande hari abanyeshuri bagera hanze bagahindura amasomo baba baragiye kwiga, aboherezwa kwiga hanze nyamara ibyo bagiye kwiga byigishwa no mu Rwanda aho abagera kuri 54 boherejwe kwiga ibijyanye na ‘Business Administration’, ‘Marketing’, ’Hospitality Management’, ‘Journalism’ na ‘Mass Communication’.

HEC yasobanuye ko kuri ubu umunyeshuri ugeze mu mahanga agahindura ibyo yagombaga kwiga agomba kwiyishyurira.

BRD yishyuje amafaranga y’ikirenga ku nguzanyo ya buruse

Ubugenzuzi bwagaragaje ko BRD yishyuje amafaranga y’ikirenga angana na miliyoni 221 zirenga kubera icyuho mu kumenya buri munyeshuri wishyuzwa n’ayo agomba kwishyura. Muri ayo, angana na miliyoni 50 Frw ni yo yasubijwe ba nyirayo.

Kampeta yavuze ko abakoresha ari bo bagira uburangare bagakomeza gukata abishyuzwa kandi bararangije kwishyura.

PAC yamubwiye ko BRD ikwiye kugirana imikoranire n’abakoresha kuko niyo iba yabatumye gukata amafaranga abishyuzwa bityo ikwiye kubamenyesha igihe icyiciro cya nyuma cyo kwishyura cyarangiye.

Kampeta yavuze ko hashyizweho ikoranabuhanga rizafasha mu kwishyuza ku buryo nta makosa azongera kubaho kandi ko abatanze ibyangombwa basubizwa amafaranga yabo mu minsi irindwi.

Bitewe no kutagira uburyo buhamye bwo kwiishyuza abahawe inguzanyo biga mu mahanga, mu banyeshuri 329, bagenzuwe byagaragaye ko 68% bararangije kwiga ariko HEC na BRD batazi niba baragarutse mu gihugu cyangwa baratangiye akazi.

Nta munyeshuri urimo umwenda uzongera guca mu rihumye BRD

Kuri ubu ngo abanyeshuri bagomba kwishyura inguzanyo bazajya bamenyekana byoroshye binyuze mu ikoranabuhanga rikomatanyije ry’ibigo birimo icy’Imisoro n’Amahoro, RRA na RSSB.

Mu gihe umuntu azajya aba atangiye akazi atangiye kumenyekanisha umusoro cyangwa gutanga umusanzu muri RSSB, iryo koranabuhanga rizajya rihita ritanga amakuru kuri BRD bitandukanye n’ibisanzwe kuko umuntu wagurijwe byajyaga bigorana ko yatangiye gukora.

Iri koranabuhanga ngo rigeze kuri 95% ritunganywa ku buryo umuntu uri mu gihugu bizaba byoroshye kumwishyuza, ikibazo kigasigara ku bari muri diaspora ariko na bo ku bufatanye na Mineduc na Minaffet bazakomeza gushakishwa.

Amafaranga yagarujwe ku nguzanyo zatanzwe mu myaka itanu ni agatonyanga mu nyanja

Kuri miliyari zirenga 184 z’amafaranga y’u Rwanda BRD yagombaga kugaruza, muri Mata 2021, ubugenzuzi bwasanze miliyari 11 zonyine ari zo zagarujwe.

Impungenge z’uko amafaranga atangwa azajya agaruka agahabwa abandi bayakeneye ziracyakomeye nk’uko Depite Mukabalisa Germaine yabivuze.

Umuyobozi wa BRD, Kampeta Sayinzoga yavuze ko kugaruza aya mafaranga birimo imbogamizi kuko mu bishyuzwa harimo abahunze, abapfuye, ababazwe inshuro zirenze imwe.

Ubu harimo kunozwa urutonde ku bufatanye n’Ikigo cy’Indangamuntu kugira ngo hamenyekane imyirondoro nyayo y’abahawe inguzanyo, Kampeta yavuze ko mu Ukuboza uyu mwaka aka kazi kazaba karangiye.

Ikindi ni uko utishyuye inguzanyo nta bihano ateganyirizwa nk’uko utishyura imisoro na we ahanwa.

Yavuze kandi ko hari inyigo iri gukorwa ku rwego rwa Minisiteri y’Uburezi izagaragaza ibyuho mu myishyurize y’amafaranga ahabwa abanyeshuri bagiye kwiga mu mahanga kuko kugeza ubu hishyuzwa ay’itike y’indege, agenewe gutunga umunyeshuri na ho ku y’ishuri hakishyuzwa angana n’ayakwishyurwa mu gihe umunyeshuri yaba yiga imbere mu gihugu.

Umuyobozi Mukuru wa BRD, Kampeta Sayinzoga yavuze ko hari gutegurwa gahunda yo kunoza urutonde rw'abagomba kwishyura inguzanyo zihabwa abanyeshuri

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