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Ese hari icyizere ko amabanki mu Rwanda yagabanya inyungu ku nguzanyo?

Yanditswe kuya 26-08-2016 saa 10:48' na Rabbi Malo Umucunguzi


Banki Nkuru y’u Rwanda, BNR, ivuga ko kuba hakiri benshi bagaragaza ko bakwa n’amabanki inyungu iri hejuru, bituruka ahanini ku buryo imishinga yabo ikoze cyangwa n’uburyo bumvikanye.

Guverineri wa Banki Nkuru y’Igihugu, John Rwangombwa, ubwo yagezaga ku Banyarwanda uko ubukungu bw’igihugu buhagaze kuri uyu wa Kane, yavuze ko inyungu amabanki aherwaho inguzanyo yagumye kuri 6.5%. Gusa hari abakiliya bayo babona inguzanyo ku nyungu igera kuri 20%, nubwo ngo bitabuza ko hari n’abazibona ku ijanisha riri munsi yaho.

Yagize ati “Umuntu ashobora kumva ko aricyo giciro cyakwa n’amabanki! 20% niyo nyungu yo hejuru ishoboka baka, kandi bikorwa ku muntu uje wihuta batari bujye kwaka ingwate. Akenshi niwe ufata umwenda kuri 20%, kandi umwenda w’igihe gito. Ubundi impuzandengo ni hafi 17%, niho wabarira igiciro cyo kuguza amafaranga mu mabanki yacu, ariko hari n’abayabona kuri 14% bitewe n’icyizere banki igufitiye n’umushinga wawe.”

Guverineri Rwangombwa yavuze ko ahanini inyungu umukiliya acibwa iterwa n’uburyo banki yizera gukorana nawe, cyangwa bigaturuka ku mushinga yayishyikirije.

Ati “Kuba umwe yayabona kuri 14%, undi akabona 16%, 18%, byose biterwa n’ukuntu banki imenyereye gukorana nawe, n’umushinga wayihaye n’icyizere igufitiye. Niho bahera bashyiraho urwunguko bari buguce, bitewe n’ingorane bakubonaho.”

“Ariko muri rusange twavuga ko ibikorwa bitandukanye [turimo] ni ukugenda dukorana n’amabanki mu kugabanya ibyo batanga kugira ngo bakore ubucuruzi, bityo ibyo bikazafasha kugabanya nabo inyungu bakenera kwaka kugira ngo bakomeze kuguma muri ubwo bucuruzi.”

Banki y’inzego z’umutekano mu Rwanda, Zigama CSS, niyo yateye intambwe mbere y’izindi ubu ikaba iri gusuzuma uburyo bwo gutanga inguzanyo ku nyungu ya 12%, ivuye kuri 13%.

Umuyobozi ushinzwe ibikorwa bya Banki ya Kigali, Lawson Naibo, yashimye uburyo igipimo baherwaho amafaranga kitahindutse cyane kuko bifasha mu igenamigambi ry’igihe kirekire. Yavuze ko nko mu mpera z’umwaka ushize yari kuri 6.5%, mu gihe nko muri Kenya yageze hafi kuri 21%, n’ubwo uyu munsi atari ko bikimeze.

Kuri uyu wa Gatatu tariki 24 Kanama nibwo Perezida Kenyatta yasinye itegeko ritegeka ko inyungu ya Banki Nkuru y’Igihugu ari 10.5%, ndetse amabanki asanzwe atagomba kurenzaho 4% ku ijanisha ry’inyungu. Bivuze ko inyungu ku nguzanyo banki zitanga itagomba kurenga 14.5%.

Uko nguzanyo mu Rwanda zatanzwe mu gice cya mbere cya 2016

Inyungu ku kuguriza no kubitsa mu mabanki mu Rwanda yaragabanutse, iva kuri 17.2% na 7.9% nk’uko bikurikirana, mu mezi atandatu ya mbere ya 2016, ivuye ku mpuzandengo ya 17.5% ku nguzanyo na 8.4% ku kubitsa mu gihe nk’icyo muri 2015.

Ibyo byatumye inguzanyo zitangwa zizamukaho 17.3% zigera kuri miliyari 426.7 Frw mu gice cya mbere cya 2016, ugereranyije na 10.8% yabayeho mu gihe nk’icyo mu 2015, zanganaga na miliyari 360.8 Frw.

Mu bahawe inguzanyo zatanzwe mu mezi atandatu ya mbere ya 2016, abagabo bari 79%, abagore bari 21%, ndetse mu myaka itandatu ishize abagabo bihariye 77.5% by’inguzanyo zose zatanzwe ugereranyije na 22.5% zahawe abagore.

Mu nguzanyo nshya zatanzwe ugendeye ku myaka y’abazihawe, 29% zahawe urubyiruko rufite munsi y’imyaka 35, mu gihe mu myaka itandatu ishize, abari hejuru y’iyo myaka aribo bahawe inguzanyo zigera kuri 72.5%, mu gihe urubyiruko rwahawe 27.5%.

Inguzanyo nyinshi zatanzwe mu bikorwa bibyara inyungu, ubucuruzi, amaresitora n’amahoteli zingana na 50.6% mu 2016, mu gihe mu 2015 yari 40.0%. Hakurikiraho imirimo ya Leta n’inyubako byagenewe 21.1%, mu gihe mu mezi atandatu ya mbere ya 2015 zari 33.1%.

Muri izo nguzanyo ubuhinzi bukomeza kuza hasi cyane kuko bwahawe 1.5% mu nguzanyo zose zatanzwe, nyamara mu gihe nk’icyo mu 2015 zari 1.9%.

Guverineri wa Banki Nkuru y’Igihugu, John Rwangombwa

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