Ibi byagarutsweho ku wa Kane, tariki 5 Ugushyingo 2026, mu birori byo kwizihiza Umunsi Mpuzamahanga wo Kuzigama, byabereye mu Murenge wa Mukarange, mu Karere ka Kayonza, ku nsanganyamatsiko igira iti ‘Kuzigama, umusingi w’Iterambere’.

Imibare yavuye mu bushakashatsi bwa FinScope bwo mu 2024 igaragaza ko ubwizigame mu Rwanda bwari bugeze kuri 12,4% by’Umusaruro Mbumbe w’Igihugu, mu gihe u Rwanda rwihaye intego yo kuzamura icyo gipimo kikagera kuri 25,9% mu 2029.

Umuyobozi Mukuru ushinzwe urwego rw’amabanki muri Minisiteri y’Imari n’Igenamigambi, Hategekimana Cyrille, yavuze ko umuco wo kwizigama mu Banyarwanda ugenda utera imbere, kuko hari uburyo butandukanye abaturage bifashisha mu kubika amafaranga yabo.

Yagaragaje ko ibimina biza ku isonga mu buryo abaturage bakoresha mu kwizigama, bigakurikirwa n'Umurenge SACCO na gahunda ya Ejo Heza.

Ati “Ibimina nibyo benshi bizigamiramo cyane hagakurikiraho imirenge Sacco na Ejo Heza. Nko mu bimina ubu muri Minisiteri y’Imari n’Igenamigambi tumaze kwandika ibimina birenga ibihumbi 15 bifite ubwizigame bwa miliyari zirenga 54 Frw, ayo mafaranga aturuka mu baturage. Imirenge Sacco ifite abaturage barenga miliyoni 4.4 bizigamiye umutungo wa miliyari 301 Frw bikwereka ko ubwizigame babwumva neza.’’

Hategekimana yakomeje avuga ko muri gahunda ya Ejo Heza hamaze kwizigamwa miliyari zirenga 90 Frw, agaragaza ko iyo mibare ishimangira intambwe imaze guterwa mu guteza imbere umuco wo kwizigama.

Yasabye abaturage gukomeza kugira kuzigama umuco, nubwo baba bahanganye n’ibibazo by'ubukungu, birimo izamuka ry’ibiciro ku masoko.

Ati “Ntabwo ukwiriye kuzigama kuko ubuzima bwagenze neza, ntabwo ukwiriye kuzigama kuko wasaguye, ahubwo niba ibiciro byazamutse ukwiriye gushaka uko uzamura no kwizigama ntabwo bikwiriye guhagarara, ahubwo kora cyane kugira ngo ubeho, uzigame cyane kugira ngo nihaza ibibazo uzabashe kubaho.’’

Izamuka ry’ibiciro rikomeje kubangamira umuco wo kwizigama

Nubwo imibare igaragaza ko ubwizigame bwiyongera, bamwe mu baturage bavuga ko izamuka ry’ibiciro by’ibiribwa n’ibindi bikenerwa mu buzima bwa buri munsi ryatumye bagabanya amafaranga bashyiraga mu bwizigame.

Imibare y’Ikigo cy’Igihugu cy’Ibarurishamibare mu Rwanda (NISR) igaragaza ko muri Nzeri 2026, ibiciro ku masoko byazamutseho 17,2% ugereranyije na Nzeri 2025, mu gihe muri Kanama 2026 byari byazamutseho 15,7%.

Rumenerangabo Jean Paul, utuye mu Murenge wa Mukarange, yavuze ko izamuka ry’ibiciro by’ibiribwa ryatumye agabanya amafaranga yizigamiraga buri cyumweru, ava ku 10.000 Frw agera ku 5000 Frw.

Yasobanuye ko nubwo afite ubushake bwo gukomeza kwizigama, amafaranga akoresha mu gutunga umuryango yiyongereye, bigatuma ayo asigarana yo kuzigama agabanuka.

Nyirahabimana Deborah, utuye mu Murenge wa Gahini, na we yavuze ko umusaruro muke w'ubuhinzi wabonetse mu gihembwe gishize wagize ingaruka ku bushobozi bwe bwo kwizigama.

Uyu muturage usanzwe yizigamira mu kimina, yagaragaje ko amafaranga yashyiragamo buri cyumweru yagabanutse cyane, ku buryo hari n’igihe atabasha gutanga umusanzu.

Ati “Mbere nizigamaga 2000 Frw buri Cyumweru ariko ubu kubera ibintu byakomeye nizigamira 500 Frw hari n’igihe nyabura nkararanya. Icyakorwa rero ni uko twabona imvura tugahinga tukeza.’’

Sekera Alex, utuye mu Murenge wa Nyamirama, yavuze ko izamuka ry’ibiciro ku masoko rikomeje kuba imwe mu mbogamizi zikomeye zibangamiye umuco wo kwizigama.

Yasobanuye ko amafaranga menshi abaturage binjiza akoreshwa mu kugura ibiribwa n’ibindi bikenerwa buri munsi, bigatuma batabona ayo bashyira mu bwizigame.

Guverineri w’Intara y’Iburasirazuba, Pudence Rubingisa, yavuze ko izuba ryinshi ryagaragaye mu bice bitandukanye by’iyi ntara, by’umwihariko mu Mirenge ya Mwiri, Ndego na Nasho, ryagize ingaruka ku musaruro w’ubuhinzi.

Yagaragaje ko hari gushakwa ibisubizo birambye, birimo gushishikariza abaturage guhinga ibihingwa byihanganira ihindagurika ry’ikirere n’ibyera mu gihe gito.

Ati “Ibisubizo rero bihari ni ukuvuga ngo iyo tubibonye ntabwo bidutungura kuko ni ibintu bibaho buri mwaka biba bisaba ko twiteganyiriza mu gushaka imyaka ihangana n’iryo hindagurika ry’ikirere. Hari imyumbati, bari gutera imigozi y’ibijumba, hari ugushaka imbuto y’ibishyimbo yera vuba ihangana n’izuba, ntidutere bya bindi bisaba imvura nyinshi.’’

Rubingisa yavuze ko Leta yanatangiye gushyira mu bikorwa imishinga yo kuhira mu bice bikunze kwibasirwa n’izuba ryinshi, mu rwego rwo gufasha abaturage kongera umusaruro w’ubuhinzi.

Yongeyeho ko hari no gushakwa uburyo bwo guteza imbere indi mirimo ibyara inyungu, kugira ngo imibereho y’abaturage itazajya ishingira gusa ku buhinzi bugengwa n’imiterere y’ikirere.

Imibare ya Banki Nkuru y’u Rwanda (BNR) igaragaza ko amafaranga Abanyarwanda babitse mu mabanki n’ibindi bigo by’imari yari ageze kuri miliyari 8000 Frw muri Kamena 2026, avuye kuri miliyari 7000 Frw muri Kamena 2025.

Iyi mibare igaragaza ko nubwo hari abaturage bagabanya amafaranga bizigama kubera ibiciro byazamutse, ubwizigame mu bigo by’imari bukomeje kwiyongera.