Ibyo wamenya ku kigega cya BRD cyitezweho kugeza amashanyarazi ku miryango isaga ibihumbi 400

Yanditswe na Habimana James
Kuya 15 Ugushyingo 2019 saa 09:45
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Gahunda ya Guverinoma y’u Rwanda ni uko Abanyarwanda bose ku kigero cya 100%, bagomba kuba bafite amashanyarazi mu mwaka wa 2024. Muri uwo mwaka, abagera kuri 48% bazaba bacana amashanyarazi akomoka ku mirasire y’izuba n’ubundi buryo budafatiye ku muyoboro mugari, ni ukuvuga ingo 1,601,063.

Kugeza ubu abanyarwanda 51% nibo bafite amashanyarazi, 37% bafite umuriro w’amashanyarazi uturuka ku muyoboro mugari mu gihe 17% bafite andi mashanyarazi cyane cyane akoreshaimirasire y’izuba.

Mu gihe hasigaye imyaka itarenga itanu ngo igihe cyateganyijwemo ibyo bikorwa kigere, birasaba ingufu nyinshi n’uburyo butandukanye buzafasha kugirango koko Abanyarwanda bose bazabe bacaniwe.

Mu mpera za 2017 Leta y’u Rwanda yagiranye amasezerano na Banki y’Isi ku nguzanyo ya miliyoni z’amadolari 48.9, zigamije kugeza amashanyarazi mu ngo binyuze mu mirasire y’izuba n’ingomero nto zidashamikiye ku muyoboro rusange w’amashanyarazi.

Iyo nguzanyo yanyujijwe muri Banki y’u Rwanda Itsura Amajyambere (BRD) mu mushinga wiswe Renewable Energy Fund (REF) ugamije gufasha imishinga ijyanye no gukwirakwiza umuriro w’amashanyarazi ukomoka ku ngufu zisubira, cyane cyane iz’imirasire y’izuba.

Iki kigega cyashyizweho kugirango kizafashe muri iyi gahunda, ku buryo abaturage bataragerwaho n’amashanyarazi nabo bashobora kugura imirasire bagacana.

Umuyobozi Mukuru wa Banki y’u Rwanda y’Amajyambere (BRD), Eric Rutabana, yaganiriye na IGIHE ku buryo burambuye ku buryo iki kigega gikora.

IGIHE: Imiterere y’iki kigega imeze ite?

Rutabana: Iki kigega ubu gifite miliyoni $48.9. Intego yacyo ni uko kigomba kuzacanira ingo zigera ku bihumbi 445 mu gihe cy’imyaka ine n’igice iri imbere izarangirana na 2023.

Ibi kizabigeraho mu buryo bune bukoreshwa: Ubwa mbere ni ugukorana na za SACCO ndetse n’ibindi bigo by’imari iciriritse byegereye abaturage, kugirango babashe gutanga inguzanyo ku baturage bakeneye kugura ibikoresho by’imirasire y’izuba bityo babone umuriro.

Ubwa kabiri ni ukuguriza amabanki kugirango atange inguzanyo ku bigo bitanga ingufu z’amashanyarazi zikomoka kumirasire y’izuba, kugirango ibyo bigo bishobore kugeza amashanyarazi ku baturage benshi ndetse no kugirango ayo mabanki atange inguzanyo ku bakiliya bayo bakeneye kubona amashanyarazi akomoka ku mirasire y’izuba.

Ubwa gatatu ni ukuguriza abashoramari bafite ingomero ntoya zishobora gutanga umuriro w’amashanyarazi bitanyuze mu muyoboro mugari; ubwa kane ni ugutanga inguzanyo ku bigo bitanga ingufu z’amashanyarazi akomoka ku mirasire y’izuba kugirango bishobore gutanga ingufu z’amashanyarazi ku baturage ku mwenda, kugirango bajye bishyura ikiguzi buhoro buhoro bijyanye n’ubushobo zibwabo.

IGIHE: Kuki hatekerejwe ubwo buryo?

Rutabana: Gushyiraho iki kigega ni bumwe mu buryo bukoreshwa kuko uko byagaragaye ni uko iri koranabuhanga ritanga amashanyarazi aturuka ku mirasire y’izuba ryagiye ryongera ingufu zikomeye mu gukemura iki kibazo.

Mu by’ukuri amashanyarazi aturuka ku muyoboro mugari wa REG usanga kuyageza kuri buri muturarwanda bihenze kandi bigafata igihe ngo agere ku bantu kubera imiturire yacu n’imiterere y’igihugu cyacu. Mu bisubizo bimwe leta y’u Rwanda yahisemo ni uko abantu banakoresha ubundi buryo bigaragara ko nabwo butanga amashanyarazi ku buryo buhendutse kandi bwihuse.

IGIHE: Hashize amezi 18 iki kigega gitangijwe, ubu hamaze gukorwa iki?

Rutabana: Murabizi umushinga ugira igihe cyo kuwutegura. Ibyo ni ibintu bitwara igihe kandi twaciye mu nzira zose zisabwa nko kubanza kumvikana n’abafatanyabikorwa, kumvikana uko umushinga ugomba gukora ndetse nabo tugasangira ibitekerezo.

Ubu tugeze mu gice cyo gushyira mu bikorwa intego z’umushinga, aho tumaze gukorana na SACCO zigera kuri 40 zikaba zimaze kubona amafaranga yo kuguriza abaturage bifuza kugeza amashanyarazi akomoka kumirasire y’izuba mu ngo zabo.

Hari n’amabanki yamaze gusinya amasezerano na BRD ngo afate aya mafaranga bityo ayageze kubaturage. Ayo ni I&M Bank, BK, Access Bank, Bank of Africa na Zigama CSS. Muri za SACCO, turakorana na SACCO nini nk’Umwarimu SACCO ifite abanyamuryango benshi kandi mu gihugu hose.

Abaturage bamaze kubona amashanyarazi biciye muri iyi gahunda bagera ku 2,853 bari mu ngo 554 kandi dutekereza y’uko ubukangurambaga turimo gukora buzatuma imibare izamuka vuba kuko iby’ibanze byose byamaze gushyirwaho.

IGIHE: Ibi bigo by’imari mubiha amafaranga ku kiguzi kingana gute?

Rutabana: SACCO ihabwa amafaranga ku nyungu ya 3.5% ku mwaka nayo ikayatanga ku kiguzi kitarenze 0.9% ku kwezi. Amabanki yo tuyahera ku nyungu ya 5% ku mwaka.

IGIHE: Ibigo by’imari bihabwa amafaranga angana ate?

Rutabana: SACCO zihabwa amafaranga angana na miliyoni 20 Frw ku cyiciro kimwe. Iyo SACCO imaze kuyakoresha kugeza ku kigero cya 90%, ishobora kugaruka tukayongera andi. Ba rwiyemezamirimo bafite ingomero nto twavuze haruguru bo nta ngano y’amafaranga tugena mbere, biterwa n’agaciro k’umushinga n’ayo rwiyemezamirimo azashyiramo.

Ku bigo bicuruza imirasire byo tubiha agera kuri miliyoni eshanu z’amadorali. Bamaze kuyakoresha bemerewe kugaruka gusaba andi. Banki zo zishobora gufata agera ku bihunbi 500 by’amadolari ku cyiciro, cyangwa zikaba zasubizwa amafaranga zashoye mu mushinga iyo uwo mushinga ujyanye na gahunda y’ikigega.

IGIHE: Kugirango umuturage ahabwe iyi nguzanyo bisaba iki?

Rutabana: SACCO na Banki biguriza abakiliya babo hakurikijwe uburyo zisanzwe zikoresha ngo zitange inguzanyo nyuma yo gusuzuma dosiye n’ingwate. SACCO zishobora kuguriza umukiliya wayo agera ku 1000 cy’amadorali, naho abakiliya ba banki z’ubucuruzi bo biterwa n’ingano y’ibikoresho bitanga ingufu zisubira basabira inguzanyo.

Ikindi kandi ni uko hari n’ikigega cy’ingwate cyishingira abagurijwe kugeza ku kigero cya 50% cy’inguzanyo basaba kugirango ingwate zitababera imbogamizi.

Turashishikariza Abanyarwanda gufata aya mahirwe bagacanira ingo n’ubucuruzi bwabo bahendukiwe. Ndetse n’uwaba atuye mu mujyi yakwibuka abavandimwe be bari mu cyaro akabagenera impano izahindura ubuzima bwabo bukarushaho kuba bwiza.

Kugeza ubu iki kigega kimaze gutanga agera kuri 5% by’aya mafaranga. Ubukangurambaga burakomeje kugirango Abanyarwanda bakomeze kwitabira kugana SACCO na banki zabo ngo tugere ku ntego ya Guverinoma yo kugeza amashanyarazi ku Banyarwanda bose bitarenze umwaka wa 2024.

Abanyarwanda barenga ibihumbi 400 bagiye gufashwa kugerwaho n'amashanyarazi arimo ay'imirasire y'izuba
Abanyarwanda barenga ibihumbi 400 bagiye gufashwa kugerwaho n'amashanyarazi arimo ay'imirasire y'izuba
Umuyobozi Mukuru wa BRD, Rutabana Eric, avuga ko abanyarwanda bakwiye kumenya iki kigega ku buryo igihugu kizagera ku ntego zo kugira abaturage bose bafite amashanyarazi

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