Ni nde wabazwa icyuho mu bwishingizi bw’inyubako mu Rwanda?

Yanditswe na Cyprien Niyomwungeri
Kuya 12 Nzeri 2019 saa 10:57
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Ni kenshi mu Mujyi wa Kigali no mu bindi bice by’igihugu humvikana inyubako cyane cyane izihuriramo abantu benshi nk’amasoko, udukiriro n’izindi zibasiwe n’inkongi y’umuriro, ugasanga ba nyirazo n’abazikoreramo barira ayo kwarika bibaza uko bazongera kubyutsa umutwe ndetse rimwe na rimwe ubuzima bw’abantu bukahagendera.

Ingero ni nyinshi. Muri uyu mwaka twavuga nk’isoko ry’ahitwa mu Gahoromani, ryahiye abaricururizamo bakavuga ko bahombye arenga miliyoni 500 FRW, mu gakiriro ka Gisozi, agakiriro ka Kimironko, amaduka atanu i Muhanga, ibyumba by’amashuri ndetse n’inyubako y’ubucuruzi i Rusizi.

Icyo abacuruzi n’abandi bafite ibikorwa muri izi nyubako cyangwa aha hantu hahurira abantu benshi bahuriraho, ni amarira y’uko inkongi ibakenesheje kuko yaba inyubako n’ibyari biyirimo nta bwishingizi byari bifite ngo babe bagobokwa bongere kwegura umutwe.

Uretse abacuruzi na ba nyiri mitungo barira, ibigo bitanga ubwishingizi nabyo biterwa agahinda no kubona abantu batubahiriza amabwiriza yo gukumira inkongi z’umuriro arimo no gufata ubwishingizi bwazo, iki kikaba ari igihombo gikomeye ku gihugu.

Amabwiriza ya Minisitiri w’Intebe yo kuwa 11 Nyakanga 2014, yerekeranye no gukumira inkongi z’umuriro mu Rwanda, mu ngingo ya 11, avuga ko ‘inyubako zose n’ahandi hantu hahurirwa n’abantu benshi hagomba kugira ubwishingizi bw’inkongi z’umuriro kugira ngo ibicuruzwa, imitungo n’abantu bibe byishingiwe kandi bibashe kwishyurwa igihe byangijwe n’inkongi z’umuriro’.

Asobanura ko inyubako ihurirwamo n’abantu benshi ari inyubako zigenewe gukoreshwa n’abantu benshi bitewe n’imirimo inyuranye ihakorerwa. Ahandi hantu hahurirwa n’abantu benshi ni ahandi hantu hahurirwa n’abantu benshi bitewe n’imirimo inyuranye ihakorerwa, nk’amasoko, amasitade, amagaraji, ububiko, ibigo by’amashuri.

Intege nke mu bugenzuzi

Ibigo bitanga serivisi z’ubwishingizi bivuga ko amabwiriza ya Minisitiri w’Intebe yagiyeho ariko mu buryo bwo kugenzura iyubahirizwa ryayo harimo ikibazo. Iki ngo nicyo usanga gituma abafite inyubako babikerensa bikazibukwa mu gihe cy’inkongi cyangwa ibindi byago.

Perezida w’Ishyirahamwe ry’ibigo by’ubwishingizi mu Rwanda, Gaudens Kanamugire (ASSAR), yabwiye IGIHE ko inyubako nyinshi usanga zifata ubwishingizi kubera ko banki yabusabye wenda ishaka gutanga inguzanyo ariko iyo birangiye buhita buhagarara.

Ati “Izi nzu mubona muri Kigali n’ahandi hirya no hino mu Rwanda, inyinshi nta bwishingizi zifite. Umuntu afata ubwishingizi kuko banki igiye gufata ingwate ku nzu cyangwa umuntu agiye kubaka banki ikamusaba gufata ubwishingizi ariko iyo kwishyura banki birangiye bahita babyihorera nk’aho ubwishingizi babufatira banki”.

Kanamugire avuga ko ubwitabire bwo gushinganisha inyubako buri hasi cyane ariko n’igenzura ry’uko amabwiriza ya Minisitiri w’Intebe ashyirwa mu bikorwa n’ibihano bijyana na byo, bitagaragara mu buzima bwa buri munsi.

Ati “Inyubako za leta zifatirwa ubwishingizi ariko inyubako zisanzwe, zicururizwamo, ni bake babufata”.

Mu bwishingizi bw’inyubako, ikintu nyamukuru cyishingirwa ni inkongi zituruka ku mashanyarazi, ku nkuba n’ikindi cyose cyatwika iyo nzu. Hari ibindi by’inyongera bikubiye mu biza [imvura, imiyaga, imitingito y’Isi...].

Ibiri mu nyubako iyo byongerewe mu bwishingizi nabyo iyo byangiritse birishyurwa. Aha biba bisaba ko usaba ubwishingizi agaragaza ibiri mu nzu n’agaciro kabyo akabyongera mu bwishingizi na byo bikishyurwa mu gihe habaye ikibazo.

Kuki abantu badashinganisha inyubako?

Muri rusange mu Rwanda abakoresha serivisi z’ubwishingizi bangana na 795 932 ni ukuvuga 11% by’abakuze bose. Ubwishingizi bw’ibinyabiziga bwihariye 43% n’ubw’ubuzima bwihariye 31%, bw’izindi serivisi z’ubwishingizi zisigaye.

Kimwe no ku bundi bwishingizi, zimwe mu mbogamizi zikomeye zituma abanyarwanda badafata ubwishingizi ni ukuba bataracengerwa n’akamaro kabwo. Hari kandi no kuba abantu bagitsimbaraye ku muco wo kumva ko nibagira ibyago bazagobokwa n’inshuti n’abavandimwe, bakirengagiza kugana ibigo bizabishyura.

Ku rundi ruhande, umwe mu bafite inyubako mu Mujyi wa Kigali utifuje ko amazina ye ajya muri iyi nkuru, yavuze ko no kuba ibiciro by’ubwishingizi biri hejuru ari indi mpamvu ituma gushinganisha inyubako bititabirwa.

Iyi ngingo ariko ntayivugaho rumwe na Kanamugire uyobora ASSAR, kuko nk’inzu ifite agaciro ka miliyoni 100 FRW ku mwaka yishyura ibihumbi bitarenga 85 FRW, ubwo ni 7000 FRW ku kwezi.

Ati “Ntabwo buhenze ahubwo ni umuco wacu cyangwa kutumva akamaro k’ubwishingizi n’ubukangurambaga buke, ugasanga bituma abantu batarengerwa n’ubwishingizi”.

Hari abavuga kandi ko ibigo by’ubwishingizi bigorana mu kubishyura iyo bagize ibyago.

Uruhare rw’ibigo by’ubwishingizi mu musaruro mbumbe (GDP) w’u Rwanda, rwanganaga na 1.7% muri Kamena 2019 kimwe no muri uko kwezi kwa 2018.

Mu mwaka w’ingengo y’imari warangiye muri Kamena 2019, umutungo mbumbe w’urwego rw’ubwishingizi wiyongereyeho miliyari 54.3 z’amafaranga y’u Rwanda ugera kuri miliyari 477.3 z’amafaranga y’u Rwanda, ni ukuvuga 1.8% bya GDP hagati y’amezi atandatu ya mbere ya 2018 n’aya 2019.

Muri Kamena 2019 u Rwanda rwari rufite ibigo by’ubwishingizi 14, harimo 12 byigenga n’ibindi bibiri bya leta byishingira ibijyanye n’ubuzima ari byo RSSB na MMI.

Ubwishingizi bw'inyubako ni kimwe mu bintu bitagenzurwa

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