Akanyamuneza ku bigo by’ubwishingizi byigenga nyuma y’imyaka y’ibihombo

Yanditswe na Cyprien Niyomwungeri
Kuya 22 Kanama 2019 saa 02:54
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Hashize amezi hafi 20 Ishyirahamwe ry’ibigo by’ubwishingizi mu Rwanda, ASSAR, ritangaje ibiciro bishya by’ubwishingizi bw’ibinyabiziga, aho byabanje gushyirwa mu bikorwa ku cyiciro cya mbere kuri 60% nyuma bikazongerwaho 40%.

Guhera tariki ya 1 Mutarama 2018, igiciro cy’ubwishingizi ku by’abandi byakwangirika, cyongerewe kuva kuri 40% kugeza kuri 73%; ubwishingizi ku by’abandi wakwangiza n’ibyawe byakwangirika bwongerwa kuva kuri 3.5% by’igiciro cy’imodoka kugeza kuri 4.5%.

Ibi biciro byongerewe nyuma y’uko ibigo by’ubwishingizi byari bifite ibibazo by’imikorere n’ibihombo urebye ku mafaranga byinjiza mu misanzu y’abakiliya n’ayo bibishyura ndetse bamwe bari batangiye kujya gukora ibindi nko mu mpapuro mpeshwamwenda, kuyabitsa kuri konti zunguka n’ibindi.

Imibare ya BNR yerekana ko ibigo by’ubwishingizi byigenga byahombye miliyari 8.3 Frw mu 2013; miliyari 12.2 Frw mu 2014; miliyari 12.5 Frw mu 2015; miliyari 13.4Frw mu 2016 na miliyari 6.9 Frw mu 2017.

Ku bigo bya leta ho hari inyungu kuko hagati ya 2013 – 2017, inyungu bagiye babona yari hagati ya miliyari 16.1 Frrw na miliyari 23.5 Frw.

Ubwo hazamurwaga ibi biciro, Guverineri wa Banki Nkuru y’Igihugu, BNR, John Rwangombwa, yavuze ko ibigo by’ubwishingizi byacuruzaga bihomba, cyane ko ibiciro byagombaga kuba byarahinduwe mu 2014 ariko bikorwa mu 2017.

Ati “Muri iyi myaka itatu abashoramari bo muri ibi bigo bongeyemo miliyari 33Frw kubera guhomba, n’iyo waba uri umukire umeze ute ntabwo wakomeza gushyira amafaranga mu kintu gihomba, icyo gihe icyari gisigaye ni uko urwego rw’ubwishingizi rwari gusenyuka.”

Imbuto zatangiye kwera

Kuri uyu wa Kane ubwo BNR yagaragazaga imiterere ya politiki y’ifaranga, ubusugire n’iterambere by’urwego rw’imari mu Rwanda mu mezi atandatu ya mbere ya 2019, yagaragaje ko imisanzu y’ubwishingizi ikomeje kwiyongera.

Imisanzu y’ubwishingizi yiyongereyeho miliyari 9.1 FRW, aho yavuye kuri miliyari 64.3 FRW mu mezi atandatu ya mbere 2018 akagera kuri miliyari 73.4 mu mezi atandatu ya mbere 2019, akaba yararenze miliyari 4.6 FRW yari yiyongereyeho mu mwaka wabanje.

Ukwiyongera cyane kwabonetse mu bigo by’ubwishingizi bya leta ari byo RSSB na MMI, aho hiyongereyeho miliyari 6FRW bitewe n’abishinganisha bashya bangana na 432 450.

Mu bigo by’ubwishingizi byigenga naho imisanzu ikomeje kwiyongera kuko hagati y’amezi atandatu ya mbere ya 2018 n’icya 2019, hiyongereyeho miliyari 3.3 FRW, ahanini bitewe no kongera igiciro cy’ubwishingizi bw’ibinyabiziga.

BNR igira iti “Abishingizi mu bigo byigenga, ubwiyongere bw’imisanzu bwatewe n’ingaruka nziza zikomeje guturuka ku gusubiramo ibiciro by’ubwishingizi bw’ibinyabiziga”.

Ubwishingizi bw’ibinyabiziga n’ubuzima bwihariye 61% by’agaciro k’ubwishingizi bwose bwanditswe mu mezi atandatu ya mbere ya 2019.

Perezida w’Ishyirahamwe ry’ibigo by’ubwishingizi mu Rwanda, Gaudens Kanamugire, avuga ko iyi ari intambwe nziza cyane nubwo hakiri imbogamizi zituma uru rwego rudatanga umusanzu ufatika mu musaruro mbumbe w’igihugu (GDP).

Ati “Hari impinduka nziza, isura irimo iragenda ihinduka biba byiza ariko ntabwo ibihombo birashira [...]. Turacyari mu bihombo urwunguko ntabwo ruraboneka”.

“Mu igabanyuka ry’ibihombo byari bihari kuva kuri miliyari 9 kugeza munsi ya miliyari imwe ibihombo bigabanyuka, ni uko zimwe mu ngamba harimo n’ibyo biciro byiyongereye. Nta gushidikanya byagize uruhare”.

Gusa avuga ko ufashe amafaranga bakiriye ukavanamo impanuka bakiri mu bihombo bivanwamo n’inyungu z’ishoramari ziba zakozwe.

Uruhare rw’ubwishingizi muri GDP

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

Mu mwaka w’imali urangira 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.

RSSB na MMI nibyo byazamutse cyane bigera kuri miliyari 37.4 FRW ugereranyije na miliyari 16.9 FRW ku bigo by’ubwishingizi byigenga.

Uruhare ruto rw’ibigo by’ubwishingizi mu musaruro mbumbe, ruterwa n’ubwoko buke bw’ubwishingizi bitanga, kugena ibiciro nabi, ikiguzi kiri hejuru cya serivisi, na forode mu kwishyura ibiba byangiritse.

Hari kandi umubare muke w’abakoresha serivisi z’ubwishingizi aho kugeza ubu bangana na 795 932 ni ukuvuga 11% by’abakuze bose, ubwoko bw’ubwishingizi buhari budahuye n’ibyo abaturage bakeneye cyane cyane mu byaro.

BNR ivuga ko ‘Ibigo by’ubwishingizi bikeneye kugira urunyurane rw’ibicuruzwa byabyo kuko kuri ubu usanga byiganjemo ubw’ibinyabiziga bwihariye 43% n’ubw’ubuzima bwihariye 31%, bw’izindi serivisi z’ubwishingizi zisigaye’.

Perezida w’Ishyirahamwe ry’ibigo by’ubwishingizi mu Rwanda, Kanamugire, avuga ko basabwa guhanga ibishya no kugira urunyurane rw’ibyo bacuruza kugira ngo batange serivisi zihendutse kandi zikenewe ku bakiriya babo. Hari kandi kwigisha kuko ikigero cy’abafite ubumenyi ku bwishingizi kiracyari hasi.

Ati “Hari no kudukorera ubuvugizi kuko hari amabwiriza, iteka n’amategeko atubahirizwa. Urugero twumva inkongi hirya no hino mu mijyi, hari iteka rya Minisitiri w’Intebe ry’uko buri nyubako iba ifite ubwishingizi ariko ntabwo bishyirwa mu bikorwa”.

Yagarutse kandi ku bikorera cyane cyane abatumiza ibintu mu mahanga usanga bafata ubwishingizi mu mahanga nyamara na hano mu gihugu buhari, asaba ko hajyaho politiki n’ubukangurambaga bwo guca iki kintu kuko nko muri Kenya na Tanzania byarakozwe kandi biratanga umusaruro.

Umuyobozi Mukuru muri BNR ushinzwe ubutajegajega bw’urwego rw’imari, Peace M. Uwase, avuga ko umuti w’uruhare ruto rw’ibigo by’ubwishingizi muri GDP ari ukugira urunyurane rwa serivisi bitanga kuko ‘usanga ibyinshi byibanda ku bwishingizi bw’ibinyabiziga n’ubuzima’.

Urwego rw’ubwishingizi ni urwa gatatu mu zigize urwego rw’imari nyuma y’ibigo by’imari n’amabanki ndetse n’ubwiteganyirize. 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.

Ubwo BNR yagaragazaga imiterere ya politiki y’ifaranga, ubusugire n’iterambere by’urwego rw’imari mu Rwanda mu mezi atandatu yavmbere ya 2019
Abayobozi batandukanye mu mabanki, ibigo by'ubwishingizi n'abandi bitabiriye iki gikorwa
Umugenzuzi Mukuru w'Imari ya Leta Obadiah Biraro na Guverineri Gatabazi (iburyo)
Perezida w'Urugaga rw'abikorera mu Rwanda, Robert Bapfakurera akurikiye uko ubukungu bw'u Rwanda buhagaze
Guverineri w'Intara y'Amajyepfo, Gasana Emmanuel atanga igitekerezo
Guverineri w'Intara y'Amajyaruguru Gatabazi Jean Marie Vianney atanga igitekerezo
Depite Uwamariya Odette avuga ko uruhare rw'ibigo by'ubwishingizi muri GDP rukwiye kwiyongera
Guverineri wa BNR, Rwangombwa John avuga ko ibigo by'ubwishingizi bikwiye gushaka serivisi zituma byongera imikorere
Visi Guverineri wa BNR, Dr Monique Nsanzabaganwa ubwo hatangazwaga imiterere ya politiki y’ifaranga, ubusugire n’iterambere by’urwego rw’imari mu Rwanda
Umuyobozi Mukuru muri BNR ushinzwe ubutajegajega bw’urwego rw’imari, Peace M. Uwase, avuga ko umuti w’uruhare ruto rw’ibigo by’ubwishingizi muri GDP ari ukugira urunyurane rwa serivisi bitanga
Umuyobozi Mukuru ushinzwe Ubukungu muri BNR, Prof Kigabo Thomas
Habineza Joseph (uwa gatatu uhereye iburyo), ni we uyobora Radiant Insurance Yacu itanga ubwishingizi buto n’ubuciriritse

Amafoto: Muhizi Serge


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