Kugeza ubu urwego rw’ubuhinzi ni rumwe mu zifatiye runini ubukungu bw’u Rwanda kuko nko mu gihembwe cya mbere cy’uyu mwaka rwari rwihariye 25% by’umusaruro mbumbe, mu gihe mu gihembwe cya kabiri cy’uyu mwaka, rwatanze akazi ku bakozi bagera kuri 39,6% mu Banyarwanda bakoraga bose.

Ikibabaje ariko urubyiruko rwinshi ntirwikoza ubuhinzi kandi mu bihugu byinshi bya Afurika usanga ari bo benshi banafite imbaraga zabyazwa umusasuro.

Nk’ubu hejuru ya 60% by’Abanyafurika ni abafite munsi y’imyaka 35, ibisobanuye ko urubyiruko ari rwo rwiganje cyane kuri uyu Mugabane.

Dr. Mel Oluoch, ni umukozi mu Muryango uharanira ukwihaza mu birirwa no guharanira imibereho myiza y’abahinzi bato muri Afurika, Sasakawa African Association. Yagaragaje ko kuba urubyiruko rubona nta terambere mu buhinzi, ababukora batagera kure mu kwikura mu bukene, biri mu bituma bazibukira kubwerekezamo.

Ati “Babona uko [abahinzi] bahora ku zuba ryinshi, ukuntu bavanamo inyungu nke cyane, uko bambara imyenda ishaje. Iyo si yo shusho umusore cyangwa umukobwa ukiri muto akwiye kureberaho.”

Uyu mugabo yahamije ko ibi ari byo bituma abakiri bato benshi berekeza amaso mu mujyi bakajya gushakishiriza bu bindi.

Yashimangiye ko "Nta buryo bakwizera ko ubuhinzi ari umwuga uzabazamura mu bihe biri imbere bitewe n’uko nta shoramari rikorwamo, ni umwuga ufite ibibazo byinshi kandi utitabwaho na Leta zabo, bigatuma benshi bahitamo kwinjira mu mijyi mu rwego rwo gushaka akandi kazi, nyamara ubuhinzi ari rwo rwego rutanga amahirwe kurusha izindi hafi ya zose."

Dr. Mel Oluoch, yatangaje ko hakwiye kongerwamo udushya mu buhinzi nk’ikoreshwa ry’ikoranabuhanga n’izindi gahunda zishobora kureshya urubyiruko kubuyoboka kugira ngo imbaraga zarwo zibyazwe umusaruro.

Yavuze ko nko muri Sasakawa African Association, hategurwa imishinga y’ubuhinzi itanga inyungu z’ako kanya ikaba ireba cyane cyane ibyiciro by’urubyiruko n’abagore. Aha bahabwa amahirwe yo kwinjira mu buhinzi nk’ubw’indabo n’imboga aho babasha kubona amafaranga ku buryo bwihuse.

Ikindi ni uko hari gahunda zo guhamagarira urubyiruko mu kwimakaza ikoranabuhanga aho ruhabwa ibikoresho by’ikoranabuhanga kugira ngo rujye rutanga serivisi ku bahinzi kandi bakazishyurirwa. Izi serivisi zirimo gutanga amakuru, kubona inyongeramusaruro byoroshye, ndetse no kubona amasoko.

Ikindi Sasakawa African Association ikora ni ugushyiraho gahunda zo kugeza ku rubyiruko imashini zikora imirimo itandukanye mu bihugu ikoreramo. Izi mashini zirimo nk’izitonora cyangwa izisya imyaka. Ibi bifasha abakiri bato kubona imirimo idasaba kuva mu cyaro bakajya gushaka akazi mu mijyi.

Mu mpera z’umwaka ushize Minisitiri w’Ubuhinzi n’Ubworozi, Dr. Musafiri Ildephonse, yagaragaje ko gushishikariza urubyiruko kwinjira mu buhinzi ari ingenzi muri iki gihe abahinzi bagwiriyemo abakora ubuhinzi buciriritse ndetse bakaba bagenda basaza.

Ibarura Rusange rya 2022 ryerekanye ko umubare w’abaturage bari mu buhinzi bafite hagati y’imyaka 16 na 30 batarenga 14%. Urubyiruko rw’abafite ubumenyi ndetse bakaba bakora mu bijyanye n’ubuhinzi, amashyamba n’uburobyi bagera kuri 17% by’abari mu myaka yo gukora.

Ubu u Rwanda rwatangiye kubyaza umusaruro abanyeshuri barangije muri Kaminuza yigisha ubuhinzi bubungabunga Ibidukikije, RICA, hakaba hari icyizere ko bizazana impinduka muri uru rwego dore ko abayirangirizamo benshi baba ari urubyiruko.

Ku rundi ruhande, Dr. Mel Oluoch asanga ari ingenzi cyane ko leta za Afurika zigabanya gukoresha amafaranga ya banki z’imbere mu bihugu, kuko bituma banki z’ubucuruzi zisigarana amafaranga make, ntizite ku gushora ku nzego nk’ubuhinzi zikirimo ibyago byinshi byo guhomba.

Ati “Leta za Afurika ziri kugaragaza ubushake bwo kubona amafaranga aturutse muri banki z’imbere mu gihugu binyuze mu kugurisha impapuro mpeshamwenda. Iri ni ishoramari ryiza kuri banki ryunguka neza kandi inyungu nini.”

Yongeyeho ati “Ikibazo ni uko iyo banki zishoyemo amafaranga menshi muri izo mpapuro, bituma zitakaza ubushobozi bwo gushora mu yindi mishinga irimo ijyanye n’ubuhinzi kuko ibyago byo guhomba ari byinshi.”

Yavuze ko leta ikwiriye gushishikariza banki z’ubucuruzi gushaka ibisubizo biri mu bibazo by’ubukungu bw’ibihugu bya Afurika, ubuhinzi bukaba mu by’ibanze.

Dr. Mel Oluoch, ni umukozi mu muryango uharanira ukwihaza mu birirwa no guharanira imibereho myiza y’abahinzi bato muri Afurika, Sasakawa African Association

Dr. Mel Oluoch, ni umwe mu baherutse kwitabira inama yiga ku buhinzi n'ibiribwa muri Afurika, AFS Forum 2024 yaberaga mu Rwanda