Manzi Aloys wabaye igihe kirekire mu Bwongereza yatangije umushinga wo kubaka inzu z’ubwoko butandukanye zijyanye n’uko umukiriya abyifuza kugira ngo ababa muri diaspora bashobore gutunga inzu mu Rwanda bitabagoye.

Mu kiganiro cyihariye yagiranye na IGIHE, Manzi na Mugabo Ignatius basobanuye ko umuntu wifuza inzu azaturamo mu Rwanda asabwa 20% by’amafaranga azayubaka, yaba adafite ubushobozi asigaye akayagurizwa na banki akazayishyura buhoro buhoro.

Yahamije ko uwifuza kubaka atarushywa no gukuirikirana ibikorwa byo kubaka kuko Blackrock byose ibyitaho, ikazanashaka abantu bakodesha iyo nzu mu gihe nyirayo atari yakenera kuyibamo.

IGIHE: Umushinga ‘Blackrock’ muwusobanura mute?

Mugabo: Ni umushinga wizewe, wizwe neza. Twawize mu buryo bubereye aba-Diaspora. Abenshi ntabwo bagira umwanya wo kuza gutinda hano, akenshi usanga aza akamara nk’ibyumweru bitatu, ibyo yakoraga akagenda bitarangiye. Ntabwo bafite umwanya wo kuza ngo bagure isambu ngo aze yubake, akenshi bakagenda bavuga ko serivisi zitagenze neza kandi ari bo bagize umwanya muto.

Ibi rero nabyita nko kugwa ahashashe kuko uyu mushinga uzabibakurikiranira byose. Ntibakeneye kubaka, ntibakeneye gukurikirana imyubakire, umushinga uzubaka inzu uzishyire hariya, ababishoboye bazigure.

Ariko noneho no kuzigura hari ukuntu byorohejwe, kuko umuntu yishyura 20% mu gutangira noneho hari banki ikomeye cyane hano mu Rwanda iwushyigikiye. Iyo banki ni yo itanga amafaranga, ukajya ugenda wishyura buhoro buhoro.

Rero kuko abantu bari muri Diaspora bakora cyane, babona amafaranga bayavunikiye, ntabwo ari byiza rero kugira ngo amafaranga ye ayafate ayahe mwenewabo cyangwa inshuti ngo genda ungurire isambu, ngo genda unyubakire akenshi ukajya kureba ugasanga wa muntu wahaye ngo genda unyubakire yujuje iye, aho kugira ngo yuzuze iyawe.

Ni uwuhe mwihariko w’izi nzu muri kubaka?

Manzi: Mu bintu bitandukanye n’ibyo abandi bakora, ni ukububakira umushinga mwiza bihitiyemo kuko bashatse baza bakatwegera bakatubwira bati turashaka ko hano muhahindura, byanarangira tukabafasha kubabonera abantu bazatura muri izo nzu.

Izo ni serivisi zishobora kuba zihari ariko zitari nyinshi ariko cyane cyane ku ba-Diaspora kuko ibibazo bafite cyangwa se ibyo bakeneye turabizi. Kuza kuganira natwe rero ni ibintu byoroshye kuko tuzabafasha.

Umuntu udafite amafaranga ahagije mumufasha iki?

Manzi: Dukorana na banki ikomeye hano mu gihugu yakunze umushinga na yo ishaka cyane cyane kugira ngo ifashe Abanyarwanda bari hanze. Ntabwo ari ukuvuga ngo ubwabo nibazane amafaranga gusa, ahubwo hari na banki zo mu Rwanda zishaka kugira ngo zibafashe.

Ufite 20% iyo banki izaguha inguzanyo ya 80%. Ikindi cyiza ni uko kuba wakoranye na banki, izaza ikurikirane ibikorwa byawe kuko izajya igenda yishyura uko umushinga ugenda uzamuka.

Ntabwo ari kimwe no gufata amafaranga yawe rero ngo ugende uyahereze mubyara wawe aho yibereye noneho aze akwereke amafoto kuko hari n’abo twumvise babereka amafoto y’inzu z’abandi kandi atari n’izo barimo kubaka.

Ni yo mpamvu rero Blackrock ihari, ndetse dufite n’izindi ngamba dushaka kuzakora mu gihe kizaza, ari n’umuntu ufite ibibanza twebwe tukamwigira umushinga, tukaba twamwubakiramo n’inzu ariko tukubakamo n’izindi.

Ushaka kutugana avuga ati mfite amafaranga wenda yo kugura ikibanza ariko ikibanza cyanjye ni kinini, ntabwo nabasha kucyubaka, twe dushobora no kumwubakira muri icyo kibanza inzu ye ariko tukubakamo n’izindi zijyanye n’iterambere ry’igihugu ariko tukanamufasha no kugira ngo abone amafaranga yakwinjiza atari ishoramari ryo kugira ngo amafaranga agende aryame, ahubwo ari ibintu bizamufasha kugira ngo bimwunganire.

Birashoboka ko ushaka ko mumwubakira inzu asaba ijyanye n’ibyifuzo bye?

Manzi: Umuntu wafashe inzu ya mbere wo muri Amerika yaratubwiye ati “Inzu yanjye ntabwo nkeneye kuzayibamo yose. Ndifuza ko igorofa rya mbere n’irya kabiri haba amazu bacumbikamo”. Urumva ko yarabiteganyije aravuga ati “Njyewe nzaba mu igorofa rya nyuma, hasi mpakodeshe.”

Ni uburyo bw’umushinga wizwe neza. Ni ukuvuga ngo ushaka kugira ngo agende abemo n’umuryango we wose, ushaka kugira ngo azayikoreshe icyumba ku cyumba, na byo birashoboka kuko buri cyumba kirihagije, n’ushaka kugira inzu zikodeshwa na byo birashoboka.

Ikindi, ushaka ko imikorere azayinoza mu buryo yifuza na byo tuzabimufasha kuko dufite ikipe yo gusubiza ibibazo by’abakiriya dufite, cyane cyane ko atari ukubaka ibintu ngo muze mufate, ahubwo twubake inzu ijyanye n’ibyifuzo byawe.

Manzi Aloys (iburyo) na Mugabo Ignatius basobanuye imikorere ya 'Blackrock'

Manzi na Mugabo mu kiganiro n'umunyamakuru

Blackrock itegura imishinga yo kubaka inzu, ababyifuza bagasabwa kwishyura 20%, bagahabwa n'inguzanyo