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BPR yavuguruye uburyo bw’imitangire y’inguzanyo, igeza izidasaba ingwate kuri miliyoni 30 Frw

Yanditswe na Mukahirwa Diane
Kuya 4 Ugushyingo 2021 saa 11:57
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Banki y’Abaturage y’u Rwanda (BPR) yakoze amavugurura mu buryo bw’imitangire y’inguzanyo zigenerwa abantu ku giti cyabo zirimo izijyanye n’umushahara, iyo kubaka cyangwa kugura inzu n’iyo kugura imodoka mu rwego rwo gukomeza guteza imbere abakiliya bayo.

Mu mavugurura yabaye harimo ko inguzanyo ku mushahara idasaba ingwate yakuwe kuri miliyoni 15 Frw ishyirwa kuri miliyoni 30 Frw ndetse n’amafaranga akatwa buri kwezi kuri iyo nguzanyo akaba yakuwe kuri 35% ashyirwa kuri 50% by’umushahara umuntu yinjiza ku kwezi.

Izindi mpinduka zirimo ni ku nguzanyo yo kugura imodoka, aho amafaranga akatwa buri kwezi nayo yashyizwe kuri 50% by’umushahara umuntu yinjiza ku kwezi, mu gihe inguzanyo itangwa ku ngwate y’agaciro k’inzu (Home equity loan) uyisabye azajya ahabwa agera kuri 70% by’agaciro k’isoko ry’iyo nzu gasuzumwe, akaba ashobora kuyakoresha mu bikorwa bye bwite byo kwiteza imbere uko yaba abishaka.

Abantu basanzwe bafite inguzanyo muri banki bashaka gufata izindi na bo
ntibibagiranye kuko ushaka gufata indi nguzanyo, agifite iya mbere akaba agaragaza ko afite ubushobozi bwo kuyishyura, ashobora guhabwa andi mafaranga y’inyongera yakoresha mu kuzamura ibikorwa bye.

Umuyobozi Mukuru wa BPR Plc, Maurice K. Toroitich, yavuze ko iyi ari gahunda banki yafashe yo guhindura inguzanyo mu korohereza abakiliya bayo kubasha kugera ku ntego zabo.

Yagize ati “Twe nka banki tugamije ko abafatanyabikorwa bacu babasha kugera ku ntego zabo, ni yo mpamvu duhora iteka tureba izo mbogamizi zishobora kubangamira abakiliya bacu tukazikemura kugira ngo ibikorwa byabo birusheho gutera imbere.

Umuyobozi ushinzwe Ubucuruzi muri BPR, Mugisha Shema Xavier, yavuze ko izi mpinduka zakozwe nyuma yo kubona ko ibyari bisanzwe byabangamiraga abakiliya.

Yagize ati “Mbere inguzanyo yari miliyoni 15 Frw ugasanga abakiliya benshi bafite imbogamizi zo kutagera ku byo bifuza. Urugero nk’umukiliya wabaga ashaka kugura ubutaka n’imodoka hari ubwo atabashaga kugera ku mahitamo ye, ariko ubu azajya abasha kugura ibijyanye n’amahitamo ye kuko twamwongereye amafaranga y’inguzanyo ashobora guhabwa nta ngwate atanze.”

Abakiliya bifuza gusaba izi nguzanyo zavuguruwe ndetse n’abasanzwe bazifite bakaba bifuza gusaba inyongera, bagana Ishami rya BPR ribegereye bakazihabwa mu buryo bwihuse.

BPR Plc yatangiye ibikorwa byayo mu 1975 nka koperative igamije gufasha abanyamuryango bayo kwiteza imbere mu buryo bwo kuzigama no kugurizanya. Mu 2008 ni bwo yahindutse banki y’ubucuruzi. Mu 2016, Ikigo Atlas Mara cyaguze imigabane muri BPR kiyihuza n’Ishami ry’Ubucuruzi rya BRD cyari cyaraguzemo imigabane mbere.

Muri Kanama 2021, Ikigo KCB Group cyaguze imigabane yose y’ibigo Atlas Mara na Arise BV. Kuri ubu BPR ni imwe mu bigo bigize KCB Group, ikaba ifite amashami 137 hiryo no hino mu gihugu, ATM 51 ndetse n’aba-agents 350 ba BPR hafi batanga serivisi za banki mu bice bitandukanye by’igihugu bikaba bifasha guteza imbere imibereho myiza y’abaturage ndetse n’ubukungu bw’igihugu muri rusange.

Banki y'Abaturage yavuguruye uburyo bw’imitangire y’inguzanyo, igeza izidasaba ingwate kuri miliyoni 30 Frw

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