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BNR yagaragaje ko hari abaremererwa n’inguzanyo z’amabanki kubera kuzifata ‘buhumyi’

Yanditswe na Kanamugire Emmanuel
Kuya 22 Ugushyingo 2021 saa 01:13
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Banki Nkuru y’Igihugu yatangaje ko mu banyarwanda bagana ibigo by’imari n’amabanki bashaka inguzanyo harimo ababa bafite inyota yo kuzihabwa batitaye ku bikubiye mu masezerano bikarangira zibabereye umutawo mu gihe cyo kwishyura.

Raporo y’Urwego rw’Umuvunyi y’umwaka wa 2019/2020, yagaragaje ko ibibazo bifitanye isano na serivisi z’imari byakiriwe ari byinshi aho byageze kuri 13,4% bigafata umwanya wa kabiri nyuma y’ibyerekeye ubutaka mu gihugu.

Bamwe mu bagize Inteko Ishinga Amategeko, bavuze ko ubwiyongere bw’ibi bibazo bufitanye isano no kuba amabanki atanga inguzanyo mu ndimi abazisaba batisangamo bigatuma hari ibyo basabwa mu gihe cyo kwishyura batari baramenye mu gihe basabaga inguzanyo.

Ubwo Guverineri wa Banki Nkuru y’Igihugu, John Rwangombwa, yagezaga raporo yayo y’umwaka wa 2020/2021 ku bagize Inteko, Depite Bizimana Minani yabajije impamvu banki zidatanga amasezerano mu ndimi umunyarwanda ahisemo mu rwego rwo kwirinda amakosa zishobora gukora n’ibibazo biteza hagati yazo n’abanyamuryango.

Rwangombwa yavuze ko iki kibazo BNR yakivugutiye umuti kuko kugeza ubu amabanki ategetswe ko umukiliya uyagannye ashaka inguzanyo agomba gusobanurirwa ibigendanye na yo byose.

Ati “Twategetse amabanki ko akora inyandiko ‘isobanura ibijyanye n’inguzanyo’; niba uje gufata umwenda bakaguha incakame y’ibiwukubiyemo, inyungu uzakwa, amafaranga arenga ku yo uzajya wishyura buri gihe, ayo uzacibwa nukererwa kwishyura, ibyo bikaba biri mu Kinyarwanda no mu zindi ndimi umuntu yashaka gukoresha.”

Guverineri wa Banki Nkuru yavuze ko ikibazo gikomeye ari uko hari abatita ku mabwiriza agenga inguzanyo bakazabyibuka ari uko batangiye kuremererwa no kwishyura.

Ati “Ikibazo tumaze kubona nta bwo ari uko aya makuru adatangwa, ikibazo abantu bagana banki bafite inyota yo kubona umwenda gusa. Ibikubiye mu masezerano y’umwenda babyibuka ari uko kwishyura bigeze.”

Yakomeje ati “Imyenda banki zitanga turayibona buri cyumweru hakabaho n’umuntu wigurije ku nyungu runaka ugasanga yafashe inguzanyo ihenze, ukibaza uti ‘ese ubu yari azi ibyo akora?’ Igikomeye kirimo ni ugukangurira abantu kumenya uburenganzira bwabo kugira ngo bashobore kuganira n’amabanki, umukiliya akajya gufata icyemezo cyo gusinya azi icyo asinyiye.”

“Aho haracyarimo ikibazo kuko abantu benshi basinya batabyitayeho byagera mu kwishyura akaba ari bwo atangira kuvuguruza banki, kubwira banki ko ibyo ivuga atari byo.”

Muri Kamena 2020, habarurwaga imyenda banki zatanze ingana na miliyari 2300Frw. Mu kwa gatandatu uyu mwaka yageze kuri miliyari 2700 mu gihe muri Nzeri yageze kuri miliyari 2900 Frw.

Ikigereranyo cy’inguzanyo zitishyurwa mu kwezi kwa cyenda cyari kigeze kuri 5,1% mu gihe izikurikiranirwa hafi zigeze kuri 13%.

Ibikwiye kwitabwaho mbere yo gusinya amasezerano y’inguzanyo

Umuyobozi w’Ishyirahamwe ry’Ibigo by’Imari iciriritse mu Rwanda (AMIR), Nkuranga Aimable, yavuze ko abantu benshi basaba inguzanyo bihutira gushyira umukono ku masezerano yazo basa n’abatanguranwa ngo wa wundi ugiye kubaguriza atava aho yisubiraho bakabikora batiriwe basoma ibiyakubiyemo.

Ati “Uriya mukono ushyiraho uba ukwinjije mu nshingano zishobora kuzakugeza heza cyangwa habi bitewe n’uburyo ubyitwayemo, ni yo mpamvu tugushishikariza kugira umwete wo kumenya ibyanditse muri ayo masezerano.”

Avuga ko habaho inguzanyo nziza n’inguzanyo mbi. Inziza ngo ni izishowe mu bintu bibyara inyungu zikabasha kwiyishyurana n’inyungu kandi zikagira icyo zisigira abazifashe.

Inguzanyo mbi ngo ni izishowe mu byo zitari zigenewe, izitunguka zirimo nk’izishorwa mu birori, mu kwirimbisha, gutwerera kuko akeshi zisigara zitwara n’ayo abantu bari basanzwe binjiza bityo zikabasiga inyuma y’aho zabasanze.

Reba ibintu 10 ukwiye kwitaho mu gihe ugiye gusinya amasezerano y’inguzanyo

Guverineri wa Banki Nkuru y’Igihugu, John Rwangombwa, yavuze ko abagana banki bashaka inguzanyo bakwiye kubanza kumva neza ibikubiye mu masezerano mbere yo kuyashyiraho umukono

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