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Uko Pansiyo itangwa mu Rwanda: Ubona nini ageza kuri miliyoni 8 Frw ku kwezi

Yanditswe na Kanamugire Emmanuel
Kuya 7 Nzeri 2021 saa 10:00
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Uko iminsi ivaho umwe ni ko umuntu agenda asatira izabukuru kugeza ubwo atakaza ubushobozi bwo gukora. Icyo gihe biba bisaba ko agobokwa n’icyo yiteganyirije agisimbuka bikemera nk’uko bivugwa ko ‘akabando k’iminsi gacibwa kare kakabikwa kure’.

Uburyo bwo guteganyiriza izabukuru bugenewe umukozi, ni ukuvuga umuntu uwo ari we wese ukora umurimo kandi akawuhemberwa, bumaze igihe kitari gito butangijwe mu Rwanda, kuri ubu inshingano zo kubikurikirana zifitwe n’Urwego rw’Ubwiteganyirize mu Rwanda, RSSB.

Itegeko rya mbere rigenga pansiyo ryagiyeho mu 1974, kuri ubu irigenderwaho ni irya 2015.

RSSB ni rwo rwego rutanga pansiyo, ifatwa nk’insimburamushahara ku mukozi utagishoboye gukorera umushahara, uwamugaye atagishoboye kubeshwaho n’akazi ke cyangwa amafaranga agenewe gutunga abo umukozi yasize nyuma yo kwitaba Imana mu gihe yari yariteganyirije.

Pansiyo y’ubusaza itangwa ku myaka 60 iyo uwiteganyirije yakoze imyaka 15 atanga umusanzu agahabwa 30% by’umushahara ngereranyo w’ukwezi mu myaka itanu ya nyuma y’akazi ariko buri mwaka hakiyongeraho 2%.

Uwiteganyirije kandi ashobora guhabwa pansiyo y’imburagihe atarageza ku myaka 60 mu gihe ubushobozi bw’umubiri we bwagabanutse bikemezwa na muganga. Hari na pansiyo y’ubumuga budafitanye isano n’akazi n’irebana n’abasizwe n’umunyamuryango mu bwiteganyirize.

Kuri pansiyo y’ubupfakazi, umupfakazi afata 50% by’ayo uwiteganyirije yagombaga gufata. Umwana ugifite umubyeyi umwe afata 25% mu gihe umwana usigaye ari imfubyi kuri se na nyina afata 50%.

Uwiteganyirije iyo apfuye nta we bashakanye asize cyangwa umwana, amafaranga ye ya pansiyo afatwa n’ababyeyi bagahabwa 25% by’ayo yagombaga guhabwa buri kwezi.

Uwagize ingorane zo kudatanga imisanzu y’ubwiteganyirize kugeza ku myaka 15, nta mahirwe agira yo guhabwa pansiyo ya buri kwezi ahubwo agira amafaranga ahabwa ingunga imwe ku yo yari yariteganyirije ariko na yo ayahabwa ari uko agejeje ku myaka 60 y’amavuko.

Mu mpera za Kanama 2021, abantu 38.230 ni bo bari ku rutonde rw’abahawe pansiyo, igikorwa cyatwaye hafi miliyari eshatu z’amafaranga y’u Rwanda nk’uko byasobanuwe na Nkurikiyimfura Umutoni Sylvie, Umuyobozi ushinzwe ibijyanye no kubara pansiyo, muri RSSB.

Ati “Ni umubare uhindagurika ariko uko imyaka ishira bagenda biyongera. Nko mu kwezi kwabanje twari twagejeje ku bihumbi 40.”

Hafi abantu ibihumbi 500 ku kwezi batanga umusanzu w’ubwiteganyirize bw’izabukuru bivuze ko ku mwaka bagera kuri miliyoni esheshatu mu Rwanda.

Ni amafaranga ashorwa mu bikorwa by’ishoramari hagamijwe kubungabunga umutungo w’uru rwego "kugira ngo abanyamuryango bazabone icyo bagenerwa bageze mu gihe cy’izabukuru, guhanga imirimo mu nzego zitandukanye no kuzamura ubukungu bw’igihugu”.

Uhabwa pansiyo nto mu Rwanda ni ibihumbi 13 Frw

Itegeko rigena ibya pansiyo ryagiyeho bwa mbere mu Rwanda mu 1974. Guhera icyo gihe pansiyo itangwa yazamuwe mu 1981, mu 1996, mu 2002 no mu 2018.

Itegeko ryasohotse mu igazeti ya Leta kuwa 16 Mata 2018, ni ryo risobanura imiterere y’inyongera ya pansiyo n’ibindi bijyana na yo mu mpinduka ziheruka mu 2018.

Bigaragara ko abahabwaga amafaranga ari munsi ya 5200 bashyiriweho inyongera ya 157,2% bityo agera ku bihumbi 13 by’amafaranga y’u Rwanda naho abahabwaga ari hagati ya 5200 na 10000 Frw kuri ubu bari guhabwa ibihumbi bigera kuri 16 Frw, ni ukuvuga ko inyongera yabo igera ku 118%.

Ku bahabwaga hagati y’ibihumbi 10 na 20 by’amafaranga y’u Rwanda, yazamuwe ashyirwa ku bihumbi 25 Frw. Abafataga kuva ku bihumbi 20 kugeza kuri 50 amafaranga yiyongereyeho 45,5% bafata kuva ku bihumbi 40 kuzamura.

Naho abari hagati y’ibihumbi 50 na 100 basigaye bahabwa kuva kuri 90 kuzamura. Abari basanzwe bahabwa amafaranga ya pansiyo cyangwa ay’ibyago bikomoka ku kazi ari hejuru ya miliyoni (1.000.000 Frw) bahawe inyongera iri hagati ya 0,502% na 0,071% ku mafaranga basanzwe bahabwa.

Izi mpinduka zabayeho nyuma y’aho wasangaga hari abarira ko bahabwa amafaranga ya pansiyo ari ku kigero cyo hasi ku buryo atashoboraga kugira icyo abamarira.

Nkurikiyimfura yavuze ko pansiyo ijyana n’uburyo umuntu yakoze n’ubwiteganyirize bwe n’umushahara yahembwaga ndetse n’igihe yamaze atanga uwo musanzu.

Ati “Hari abantu bafata pansiyo igaragara bitewe n’ubwiteganyirize bagize bagikora. Uwakoreye make iyo ageze mu zabukuru ahabwa ajyanye n’ayo yakoreye. Uwiteganyirije menshi na we azahabwa ajyanye n’ubwiteganyirize bwe bwinshi.”

RSSB itangaza ko kuri ubu umuntu ubona amafaranga menshi muri pansiyo ageza muri miliyoni umunani z’amafaranga y’u Rwanda, abandi bakaba bari munsi y’ayo gato naho atagibwa munsi ni ibihumbi 13 by’amafaranga y’u Rwanda.

Kongera ingano ya pansiyo itangwa bisaba igihe kirekire kandi hakabanza gukorwa inyigo ku cyerekezo cy’ubuzima, ikorwa buri myaka itanu nk’uko biteganywa n’itegeko ikaba ari yo igenderwaho mu kuzamura pansiyo itangwa. Inyigo nk’iyi yarakozwe muri uyu mwaka nk’uko Nkurikiyimfura abisobanura.

Serivisi za pansiyo zigiye kujya zitangwa hifashishijwe ikoranabuhanga

Urwego rw’Ubwiteganyirize, RSSB, rutangaza ko hari umushinga wo gutunganya ikoranabuhanga rizajya ryifashishwa mu gutanga serivisi za pansiyo hadakoreshejwe impapuro.

Kugeza ubu abantu bajyaga ku mashami ya RSSB bagatanga ibisabwa byose kugira ngo bahabwe pansiyo, bigakusanywa bikajyanwa ku cyicaro gikuru bakabona kubarirwa nyuma hagatangira urugendo rwo kohereza amafaranga ku mabanki.

Iri koranabuhanga ngo rizatuma hadakomeza gukoreshwa impapuro aho umunyamuryango azajya atanga ibisabwa akoresheje ikoranabuhanga akajya amenyeshwa aho dosiye ye igeze binyuze mu butumwa bugufi cyangwa email.

Ibisabwa byose bilaze kuzura, uburyo kubara ingano ya pansiyo na bwo buzajya buhita bukorwa ako kanya nyiri dosiye amenyeshwa aho bigeze kugeza amafaranga ageze kuri banki.

“Rizatuma serivisi zitangwa vuba kandi neza, nta makosa azajya abaho kuko bizaba biteguye neza. Nta mwanya munini bizajya bisaba.”

Biteganyijwe ko mu mpera z’uyu mwaka iri koranabuhanga rizaba ryamaze gutunganywa kuko ari umushinga umaze hafi umwaka n’igice wigwaho.

Abakoresha badatangira abakozi babo umusanzu w’ubwiteganyirize bari munsi ya 10%

RSSB ivuga ko abakoresha bafite inshingano zo gutanga imisanzu y’abakozi babo kandi kugeza ubu bikorwa neza uretse bake batabyubahiriza kandi ngo na bo bashyiriweho ibihano.

Nkurikiyimfura avuga ko abo bakoresha bari munsi ya 10% by’abakoresha bose ariko ko hakomeje gushyirwa imbaraga mu bikorwa by’igenzura kugira ngo uwo mubare na wo ugabanuke.

Usanga ahanini aba bakoresha bari mu bikorera ku giti cyabo barimo abakiri bato n’abashaka kwikubira imitungo.

Ati “Mu by’ukuri niba wahembye umuntu, waramukase amafaranga y’ubwiteganyirize, warangiza ntuyatange, ni ugushaka kugumana umutungo badafitiye uburenganzira, bashaka kuwukoresha mu bindi ariko ibyo bintu ntabwo ari byiza, baba bahemukiye abakozi.”

Abakozi bakiri mu kazi bashishikarizwa gukurikirana ubwiteganyirize bwabo hakiri kare nibura inshuro imwe cyangwa ebyiri mu mwaka, RSSB ikabafasha.

Umuyobozi ushinzwe ibijyanye no kubara pansiyo muri RSSB, Nkurikiyimfura Umutoni Sylvie

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