Kuki Banki n’ibigo by’imari bigenda biguruntege mu kuguriza ishoramari ry’ubuhinzi?

Yanditswe na Evariste Nsengimana
Kuya 1 Kanama 2019 saa 06:10
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Ubuhinzi ni imwe mu nkingi ya mwamba ku iterambere ry’ubukungu bw’u Rwanda n’abarutuye kuko uretse kuba bukorwa n’abaturage basaga 70%, bunihariye nibura 30% by’umutungo mbumbe warwo.

Gusa iyo urebye raporo zitandukanye zivuga ku mikoranire ya Banki n’ibigo by’imari n’urwego rw’ubuhinzi usanga harimo icyuho gikabije ku buryo bishobora no gukoma mu nkokora umusaruro ubukomokaho hatagize igikorwa.

Inyigo yakozwe n’Ikigo gikora ubushakashatsi kuri gahunda za Leta (IPAR) iheruka gusohoka mu gitabo ‘Rwanda Agriculture Finance Year Book’ igaragaza ko kubona inguzanyo y’ubuhinzi bikiri ku gipimo kiri hasi cyane. Igaragaza ko icyo gipimo cyari kuri 6.15% hagati ya 2014 na 2018.

Igaragaza kandi ko mu bahinzi bose bari mu Rwanda, abasaga 21% aribo bahabwa inguzanyo, abandi bayisaba ntibayihabwa cyangwa ntibirirwe bayisaba bitewe n’impamvu zitandukanye.

Iyi nyigo igaragaza ko muri ba bahinzi bahabwa inguzanyo, 25% bayikoresha mu kugura ibyo imiryango yabo ikenera, 12% bakayikoresha mu ishoramari ry’ubuhinzi bayakiye, naho 12% baba bagura ibikoresho by’ubuhinzi.

Iyo nyigo igaragaza ko kubona inguzanyo ku muhinzi ari imbogamizi ikomeye ituma atabasha gutera imbere uko bikwiye, bikanagira ingaruka ku musaruro ubuhinzi butanga.

Muri gahunda y’ibikorwa bya guverinoma by’imyaka irindwi yo kwihutisha iterambere (NST1) biteganyijwe ko urwego rw’ubuhinzi rugomba gutera imbere ku kigero cya 5.7%. Bivuze ko kugira ngo bigerweho hagomba kongerwa ingano n’ubwiza by’umusaruro w’ubuhinzi.

Iyi nyigo igaragaza ko kugira ngo ibyo bigerweho nibura bisaba ko inguzanyo zihabwa urwego rw’ubuhinzi zigomba kuzamurwa zikava kuri 5.2% zariho mu 2017 zikagera nibura ku 10.4% mu 2024.

Iyo nyigo igaragaza ko mu mpamvu nyamukuru zituma imishinga y’ubuhinzi idahabwa inguzanyo harimo kuba umusaruro wabwo ushobora guhinduka isaha n’isaha, kuba ababukora akenshi batagira uburyo buhamye bwo kubika amakuru, kutagira amakuru ku ihindagurika ry’ibihe, kutimakaza ikoranabuhanga n’ibindi.

Umuyobozi mukuru wungirije mu kigo cy’igihugu giharanira kugeza serivisi z’imari ku baturage (Access to Finance Rwanda (AFR) , Iyacu Jean Bosco, avuga ko urwego rw’ubuhinzi usanga rudahabwa inguzanyo kimwe n’izindi nyamara rufatiye runini igihugu.

Ati “Turakangurira ibigo by’imari byose gushyiramo imbaraga mu gufasha abahinzi n’aborozi kubona inguzanyo zijyanye n’ibyo bakeneye kandi tukayizamura kugira ngo ubukungu bwiyongere.”

Yavuze ko imbogamizi nyamukuru ari uko usanga kumenya abahinzi n’andi makuru ku ishoramari bakora ku buryo wabaha inguzanyo wizeye ko itazahomba usanga bigoye, abandi kagenda biguruntege mu guhanga no gukoresha udushya twabafasha kwirinda imbogamizi zituma ibigo by’imari bitabaguriza.

Nubwo bimeze gutya ariko Leta igenda ishyiraho gahunda zirimo izo gufasha abahinzi n’aborozi gushinganisha ibikorwa byabo, aho ibitangira 40% by’igiciro basabwa cy’ubwishingizi.

Mu Ugushyingo 2018 Inama y’Abaminisitiri yemeje Gahunda y’Igihugu y’Ubwishingizi bwo mu rwego rw’Ubuhinzi n’Ubworozi, gahunda yagombaga gutangirana n’inka ibihumbi 68 n’abahinzi bo mu turere 10 twatoranyijwe zihabwa ubwishingizi.

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Urwego rw'ubuhinzi ni rumwe mu zo ibigo by'imari bidakunda gukorana narwo

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