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Unguka Bank yiyemeje kongera inguzanyo mu mishinga y’ubuhinzi bukorwa na benshi mu Banyarwanda

Yanditswe na Ntabareshya Jean de Dieu
Kuya 4 Nyakanga 2021 saa 07:51
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Ubuhinzi ni kimwe mu bikomeje gutekerezwaho muri ibi bihe byo kuzahura ubukungu bw’igihugu bwazahajwe n’icyorezo cya Covid-19 cyane ko abanyarwanda bari hejuru ya 65% batunzwe nabwo.

Abahinzi ba tungurusumu, ibirayi, ikawa n’aborozi b’inkoko n’inka bari mu bagomba guhabwa inguzanyo mu rwego rwo kwagura ibikowa byabo no guteza imbere ubuhinzi.

Mu mwaka ushinze ubuhinzi bwabaye ubwa kabiri mu kwinjiriza igihugu ku kigero cya 26% nyuma y’urwego rwa serivisi rwinjije ku kigero cya 46%. Ni muri urwo rwego Unguka Bank ikomeje gukangurira abahinzi n’aborozi ko iri gutanga inguzanyo z’amafaranga ashorwa mu buhinzi n’ubworozi mu rwego rwo kubuteza imbere.

Mu rwego rwo kunoza neza imiterere y’ubuhinzi, Unguka bank yiyemeje gufasha abahinzi bagahabwa inguzanyo ku nyungu iri hasi cyane ugerereranyije n’ahandi kandi ingwate ntibe imbogamizi kuko ishobora kuba aho ugiye gushora imari(umurima ugiye guhingamo).

Kuva Unguka Bank yatangira muri 2005, yagiye iguriza abahinzi bo ku rwego ruri hasi dore ko ifite amashami no mu bice bibereye ubuhinzi. Muri 2017, Unguka Bank yakoze ubushakashatsi ku nguzanyo mu buhinzi n’ubworozi isanga ikwiriye gushyiramo imbaraga nyinshi.

Umukozi ushinzwe ubushakashatsi n’iyamamazabikorwa muri Unguka Bank, Tumaini Karekezi Blondel, yavuze ko hakozwe ubushakashatsi hagamijwe kureba ubwoko bw’ibihingwa ababihinga bahabwa inguzanyo ndetse n’uburyo bunoze zatangwamo.
Yagize ati “Nyuma y’ubushakashatsi banki yakoze, hakurikijwe n’aho ifite amashami kugeza ubu, Inguzanyo yibanda ku buhinzi bw’ibirayi, tungurusumu, gukusanya umusaro w’ikawa ndetse no ku bworozi bw’inkoko n’ubworozi bw’inka. Gusa, ibindi bihingwa nk’urutoki n’imyumbati byagiye byitabwaho.”

Uretse amafaranga ashorwa mu buhinzi bwite, Unguka Bank itanga n’inguzanyo yo kugura imirima, amasambu yo kororeramo ndetse n’ibikoresho cyangwa imashini zikoreshwa mu buhinzi n’ubworozi.

Bimwe mu bigenderwaho ngo hatangwe inguzanyo harimo kuba uyisaba agomba kuba afite umushinga wizwe neza kandi uteguye mu buryo bunoze, utanga icyizere ko uzunguka, gufunguza konti muri Unguka Bank no gutanga ingwate y’umutungo utimukanwa.

Ni kenshi abahinzi bakunze kugwa mu bihombo biturutse ku kurumbya cyangwa imihindagurikire y’ikirere bakagorwa no kwishyura inguzanyo baba barafashe ariko muri Unguka ho Ufite ubwishingizi agabanyirizwa inyungu kandi mu gihe agize ikibazo gikomeye mu mu gihembwe kimwe, biragenzurwa, akaba ashobora koroherezwa akishyura mu gihembwe gikurikiyeho.

Imiterere y’inguzanyo zitangwa

Muri Unguka Bank hari ubwoko bune bunyuranye bw’inguzanyo aribwo: UB-AgriFarm, itanga amafaranga ari hagati y’ibihumbi 100 frw na miliyoni 50 Frw uyahawe yishyura nyuma yo gusarura no kugurisha umusaruro.

UB-AgriHarvest, Umushinga uhabwa amafaranga agera kuri miliyoni 500 Frw ariko atarenze 70% y’igishoro cyose uwaka inguzanyo ateganya gukoresha, akazishyurwa nyuma yo kugurisha ariko bitarenze amezi 12.

Hari kandi UB-AgriInput, muri ubu bwoko bw’inguzanyo amafaranga menshi ashobora gutangwa ni miliyoni 50 Frw mu gihe UB-AgriEquipment itangwa ku bagiye kugura ibikoresho, amafaranga amenshi ashobora gutangwa angana na miliyoni 100 Frw.

Unguka yemera ko mu gutanga inguzanyo kuri bumwe muri ubu bwoko bw’Inguzanyo bwavuzwe haruguru, uyisaba ashobora gutanga imwe muri izi ngwate: Ubutaka/inzu, ubwizigame n’ubwishingizi.

Uwakanera ibisobanuro yahamagara umurongo utishyurwa washyizweho mu rwego rwo kunoza imitangire ya serivisi 9591 cyangwa agasura urubuga rwa Unguka Bank ari rwo www.ungukabank.com

Imishinga y'ubworozi bw'inkoko ni imwe mu yitabwaho cyane
Ubuhinzi bwa tungurusumu buri mu mishinga yemerewe guhabwa inguzanyo
Umuntu uhabwa inguzanyo yishyura amaze gusarura
Abafite imishinga yizwe neza y'ubworozi bw'inkoko nabo bemerewe kwaka inguzanyo

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