Banki y’abaturage y’u Rwanda yahaye umwihariko konti z’ubwizigame n’inguzanyo zidasanzwe muri Expo2019

Yanditswe na Evariste Nsengimana
Kuya 27 Nyakanga 2019 saa 03:34
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Mu gihe imurikagurisha mpuzamahanga rya Kigali ribaye ku nshuro ya 22 (Expo2019) rikataje, Banki y’Abaturage y’u Rwanda (BPR Plc Part of Atlas Mara) yegereje abayigana serivisi zayo, ibasobanurira byimbitse ibyihariye kuri konti z’ubwizigame n’inguzanyo zifasha abantu gutunga amacumbi n’imodoka bitabagoye.

Guhera ku wa 22 Nyakanga 2019, i Gikondo kuri Expo Grounds hari kubera imurikagurisha mpuzamahanga rizasozwa ku wa 11 Kanama 2019. Ryitabiriwe n’abamurika basaga 500 barimo na Banki y’Abaturage y’u Rwanda.

Umuyobozi ushinzwe imenyakanishabikorwa n’itumabaho muri BPR, Kalisa Prossie, yabwiye IGIHE ko abitariye iri murikagurisha ‘Twaje kubamurikira konti zo kwizigama n’inguzanyo zacu zitandukanye’.

Muri konti zo kuzigama harimo ‘GWIZA’ ifungurirwa umuntu ku giti cye. Kuyizigamiraho bitangizwa nibura 5 000Frw, ikungukirwa 8% ku mwaka. Iyi konti umukiriya ashobora kubikuza kugeza kuri 40% by’amafaranga abitse rimwe mu gihembwe.

Hari kandi iyo kuzigama yitwa ‘HIRWA’ igenewe amatsinda. Kuyizigamiraho bitangizwa nibura 20.000Frw, ikungukirwa agera kuri 4% ku mwaka. Iyi konti abakiriya bashobora kubikuza kugeza kuri 40% by’amafaranga bafiteho rimwe mu kwezi.

Hari kandi na Konti yo kuzigamira abana igenewe abari munsi y’imyaka 18. Kuyizigamiraho bitangizwa nibura 10.000Frw, ikungukirwa 8% ku mwaka.

Iyi konti nta mafaranga fatizo yo kwizigama buri kwezi isaba ariko kubikuza bikorwa rimwe mu gihembwe ku mafaranga ari hejuru ya 10,000Frw. Ifungurwa mu mazina y’umwana, umubyeyi we cyangwa umuhagarariye akaba umusinyateri

Ku nguzanyo iyi banki irimo kumurikira muri Expo2019 harimo ifasha kubona icumbi, ihabwa umukiliya wa Banki y’Abaturage y’u Rwanda ugaragaza amafaranga yinjiza buri kwezi ahoraho yamufasha kuyishyura.

Kuri iyi nguzanyo, uruhare rw’umukiriya rungana na 20% banki ikamuguriza 80% by’agaciro kose, ikishyurwa mu gihe kitarenga imyaka 20. Uhawe iyi nguzanyo yishyura buri kwezi amafaranga atarenga 50% by’umushahara atahana.

Hari n’inguzanyo yo kubaka inzu yo guturamo ihabwa umukiliya wa Banki y’Abaturage y’u Rwanda ugaragaza amafaranga yinjiza buri kwezi ahoraho yamufasha kuyishyura.

Kuri iyi nguzanyo, uruhare rw’umukiriya rungana na 30% banki ikamuguriza 70% by’agaciro kose, ikishyurwa mu gihe kitarenga imyaka 20. Uhawe iyi nguzanyo yishyura buri kwezi amafaranga atarenga 50% by’umushahara atahana.

Kalisa yakomeje agira ati “Abantu benshi baba bafite ibibanza barabuze uko babyubaka cyangwa inzu babuze uko bazagura. Banki y’Abaturage irimo gushishikariza abanyarwanda kuza tukabaha inguzanyo zibafasha kubaka. Twahanantuye ibiciro by’inyungu fatizo, biva kuri 16.5% tugeza kuri 14.5%.”

Yasobanuye ko ibyo bijyanye n’intego ya Banki y’Abaturage ariyo ‘Banki yawe Ejo Heza’ igamije gutuma abaturage bose bagira ejo hazaza heza.

Kalisa yasobanuye ko intego ya Banki y’Abaturage y’u Rwanda ari ugukomeza gufata neza abakiriya bayigana, serivisi bashaka bakayihabwa vuba kandi bakagenda bishimye.

Uretse iyo nguzayo kandi hari n’ifasha abantu gutunga imodoka, ihabwa umukiliya wifuza kugura imodoka nshya cyangwa yakoreshejwe, ugaragariza Banki ko afite amafaranga yinjiza buri kwezi ahoraho ashobora kumufasha kuyishyura.

Kuri iyi nguzanyo, uruhare rw’umukiriya rungana na 10%, Banki ikamuguriza 90% by’igiciro cyose. Imodoka igomba kuba yarakozwe mu gihe kiri munsi y’imyaka itandatu. Iyi nguzanyo yishyurwa mu gihe kitarenga imyaka itanu, Uyihawe yishyura buri kwezi amafarang atarenga 33% by’umushahara atahana.

Sharon Mahoro wari waje gushaka serivisi muri Banki y’Abaturage yabwiye IGIHE ko serivisi zayo ari nta makemwa.

Ati “Nsanzwe ndi umukiliya wa Banki y’Abaturage naje kubikuza amafaranga kandi nishimiye serivisi nziza bampaye kandi ni ibisanzwe, serivisi zabo ziba zihuse, bagasobanurira abakiliya neza.”

Uretse uyu mwihariko Banki y’Abaturage yajyanye muri Expo2019, Serivisi zose zisanzwe zitangirwa ku mashami yayo zirimo gufungura konti, kubitsa, kubikura n’izindi zifashisha ikoranabuhanga zose wazisanga aho irimo kumurikira ibikorwa byayo.

Abakozi ba BPR bari gusobanurira byimbitse serivisi zayo abagana Expo 2019
Biyemeje gutanga serivisi nziza kandi yihuse
Hari n'ibyuma byifashishwa mu kubikuza hakoreshejwe amakarita
Ikibanza BPR iri kumurikiraho muri Expo 2019
Umuyobozi ushinzwe imenyakanishabikorwa n’itumanaho muri BPR, Kalisa Prossie ari gusobanura serivisi bari gutanga muri Expo
Konti yo kuzigamira abana iri mu ziri kumurikirwa muri Expo
Zimwe muri serivisi BPR iri kumurikira muri Expo 2019
Umukozi wa BPR ari gusobanurira umukiliya
Sharon Mahoro wari waje gushaka serivisi muri Banki y’Abaturage yabwiye IGIHE ko serivisi zayo ari nta makemwa
Abakozi ba BPR bari kumurika ibikorwa byayo muri Expo

Amafoto: Muhizi Serge

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