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Abafite ubumuga bagaragaje uruhuri rw’ibibazo bibabangamira mu gushaka serivisi z’imari

Yanditswe na Ntabareshya Jean de Dieu
Kuya 2 Ukuboza 2021 saa 06:56
Yasuwe :

Ubushakashatsi bw’Ikigo giharanira ko serivisi z’imari zigera kuri bose, Access to Finance Rwanda (AFR), bwagaragaje ko hakiri urusobe rw’ibibazo mu kugerwaho no kubona serivisi z’imari ku bafite ubumuga.

Ubushakashatsi bwakozwe mu 2019 bugasuzumwa mu 2020, bugaragaza ko mu Rwanda hamaze kugaragara abafite ubumuga basaga miliyoni gusa ngo baracyagorwa no kubona serivisi z’ibigo by’imari bitewe ahanini n’ubumuga bafite.

Ubu bushakashatsi bugaragaza ko abafite ubumuga mu Rwanda babona serivisi z’imari batarenze 17%, bikagaragaza ko hakiri icyuho kinini mu mategeko agenga ibigo by’imari no guharanira iterambere ridaheza uwo ari we wese.

Bimwe mu bibazo by’ingutu bigarukwaho cyane harimo kuba ibigo by’imari bidahereza serivisi abafite ubumuga kubera imiterere yabo, imyumvire y’ababikoramo, ubumenyi budahagije n’uburyo bw’ubwumvane hagati y’umukozi wa banki n’ufite ubumuga.

Abafite ubumuga bwo kutavuga no kutumva bakoresha ururimi rw’amarenga bagaragaje ko bagihura n’imbogamizi zikomeye zo kuganira n’abakozi bo muri banki nkuko, Niyoyita Eric ubahagarariye yabigarutseho.

Ati “Mu by’ukuri kwaka serivisi mu bigo by’imari kuri twe biragoye kuko dukoresha ururimi rw’amarenga kandi abantu benshi bakora mu mabanki ntabwo baruzi. Abantu bo mu bigo by’imari bazi ururimi rw’amarenga byatworohera. Iyi raporo twabonye ni nziza izadufasha gukora ubuvugizi n’abantu babone ko ibibazo bihari kandi bizanahindura imyumvire y’abantu bari mu bigo by’imari ndetse binatwereka ko natwe dufite agaciro.”

Mukamihigo Claudine yavuze ko kwizerwa mu bigo by’imari bigorana cyane bitewe ahanini no kuba bafite ubumuga runaka nk’iyo bigeze kuri serivisi z’inguzanyo.

Ati “Umuntu ajya kwaka amafaranga mu bigo by’imari bakakubaza bati ubwo se uje gufata inguzanyo kandi ufite ubumuga? Bakabasaba kwishyira hamwe. Ubwo rero ibyo bitubera imbogamizi. Usanga guhabwa serivisi z’imari bitoroshye.”

Ubushakashatsi bw’Ishami ry’Umuryango w’Abibumbye ryita ku Iterambere, UNDP, bwagaragaje ibyuho bikigaragara birimo ibijyanye no kuba serivisi zigora abafite ubumuga hakaba aho basabwa gusinyirwa n’abandi bantu bakaba basinya amafaranga y’umurengera, kuba ahantu ibigo by’imari biherereye ari kure na serivisi zitangwa cyangwa inyubako zitaborohereza.

Umuyobozi muri Minisiteri y’Ubutegetsi bw’Igihugu ushinzwe Imibereho Myiza y’Abaturage, Huss Monique, yagaragaje ko hari ibyo Leta iri gukora kugira ngo nabo bafashwe kubona serivisi z’imari hagamijwe kwirinda ko hari uwasigara inyuma.

Ati “Abafite ubumuga turifuza ko bagera ku iterambere n’imibereho yabo myiza muri gahunda zose zitandukanye. Ubu ni uburyo bwiza bwo kugira ngo na bo babone ko batekerejweho muri gahunda zose mu bikorwa by’iterambere rusange by’igihugu. Hagiyeho politiki yabo yihariye ibafasha kugira ngo serivisi zose zihariye zibashe kubageraho.”

-  Leta yahawe umukoro

Ubushakashatsi bwerekanye ko mu bantu basaga miliyoni bafite ubumuga nibura 176.504 [15%] babona inguzanyo mu mabanki, 7% bahitamo kuguza inshuti, abapfa gufata inguzanyo aho babonye bangana na 52% mu gihe 26% batagira ubushake bwo kuguza.

Muri bo kandi abagira ubushake bwo kwizigamira muri banki bangana na 15%, abizigamira mu bindi bigo ni 35%, ababitsa inshuti 4% naho abandi bangana na 19% ntibizigamira.

Umukozi w’Ishami rishinzwe Ishoramari ridaheza n’Uburezi muri Banki Nkuru y’u Rwanda, Dr. Bigirimana Moïse, yagaragaje ko hakiri imbogamizi mu bigo by’imari mu gufasha abafite ubumuga n’ubwo hari abibumbiye mu matsinda bazihabwa kandi bakiteza imbere.

Yavuze ko bazakomeza gukorana n’abafite ubumuga nyuma y’ibarura rusange ryabo riri gukorwa ngo boroherezwe kubona serivisi z’imari.

Umunyamabanga Nshingwabikorwa w’Ihuriro ry’Imiryango y’Abafite Ubumuga mu Rwanda, NUDOR, Nsengiyumva Jean Damascène, yavuze ko hari ibikwiye gukorwa mu guhindurira imyumvire y’abakozi bo mu bigo by’imari.

Yagize ati “Nyuma y’inama tuvuyemo, hari ikigiye gukorwa. Icyagaragaye cyane ni ukuba abantu bafite ubumuga batabona serivisi zihagije mu bigo by’imari barimo bitewe n’imyumvire ku burenganzira bw’umuntu ufite ubumuga. Iyo myumvire rero ni ngombwa ko ikorwaho kugira ngo bagire ubumenyi ku burenganzira bw’umuntu ufite ubumuga ariko kandi banamubonemo ubushobozi aho kugira ngo bamubonemo imbaraga nke.”

Abitabiriye iki gikorwa batanze inama ko hakwiye gushyirwa imbaraga mu bikorwa by’abafite ubumuga nko kubongerera ubumenyi, gushyiraho serivisi za Mobile Money zibafasha, koroherezwa mu guhabwa serivisi nk’amakarita ya banki no gushyiraho uburyo bwafasha kuyakoresha kuri ATM.

Ubushakashatsi bwagaragaje ko abafite ubumuga bakibangamirwa no kugera ku bikorwa by'imari
Uhereye ibumoso: Umuyobozi wa Access to Finance Rwanda, Iyacu Jean Bosco; Umunyamabanga Nshingwabikorwa w’Ihuriro ry’Imiryango y’Abafite Ubumuga mu Rwanda, NUDOR, Nsengiyumva Jean Damascène n'Umuyobozi muri Minisiteri y’Ubutegetsi bw’Igihugu ushinzwe Imibereho Myiza y’Abaturage, Huss Monique, mu bitabiriye iki gikorwa
Umuyobozi wa Vision Fund Rwanda, Dushimimana Grace, yavuze ko abafite ubumuga bakwiye kwitabwahoFund Rwanda, Mukantagwera Eugénie, yavuze ko abafite ubumuga bakwiye kwitabwaho

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