Uru rubuga rwashyizweho na Banki Nkuru y’u Rwanda (BNR), ku bufatanye n’Ikigo cy’Igihugu gishinzwe Iterambere ry’Ikoranabuhanga (RISA), Minisiteri y’Ubuhinzi n’Ubworozi na Minisiteri y’Ubutegetsi bw’Igihugu, ku nkunga ya Access to Finance Rwanda.

Guverineri wa BNR, Soraya Hakuziyaremye, yatangaje iyi gahunda ku wa 8 Ukwakira 2026, ubwo hatangazwaga uko Politiki y’Ifaranga n’Ubutajegajega bw’Urwego rw’Imari bihagaze.

Yavuze ko igerageza rizamara amezi atandatu ryatangiye muri Nzeri 2026, binyuze mu bigo by’imari iciriritse Umutanguha Finance PLC na COPEDU, ndetse na Banki ya Kigali na Banki y’u Rwanda Itsura Amajyambere.

Hakuziyaremye yagize ati “Urubuga rw’ikoranabuhanga rwo gutanga inguzanyo z’ubuhinzi rugamije gufasha abahinzi bato kubona inguzanyo hifashishijwe ikoranabuhanga, ariko no kugabanya igihe bamara bategereje kuzibona.”

Iri gerageza rizasuzuma uko ikoranabuhanga rishobora koroshya inzira zo gusaba no guhabwa inguzanyo, mbere y’uko uru rubuga rutangira gukoreshwa mu buryo bwagutse mu 2027.

BNR igaragaza ko ubushakashatsi bwakozwe bwagaragaje ko muri iki gihe abahinzi bamara ibyumweru biri hagati ya bitanu na birindwi bategereje inguzanyo z’ubuhinzi. Banki Nkuru ibona ko icyo gihe kidakwiriye uru rwego, kuko akenshi abahinzi bakenera amafaranga mu bihe byihariye by’ubuhinzi.

Biteganyijwe ko urubuga rushya ruzafasha abahinzi gusaba no guhabwa inguzanyo hifashishijwe ikoranabuhanga, kuva igihe umuhinzi asabiye inguzanyo kugeza ayihawe kikajya munsi y’amasaha 48.

Iyi gahunda ije mu gihe u Rwanda rushaka kongera inguzanyo zitangwa n’ibigo by’imari byemewe zigenewe ubuhinzi ikagera ku 10%. Mu mezi atandatu ya mbere ya 2026, inguzanyo zahawe ubuhinzi zari zigize 5% by’inguzanyo zose zatanzwe, zivuye kuri 3% mu gihe nk’icyo cya 2025.

Mu gaciro k’amafaranga katabariwemo ihinduka ry’ibiciro, inguzanyo zahawe urwego rw’ubuhinzi ziyongereyeho 177%, zigera kuri miliyari 57 Frw.

Hakuziyaremye yavuze ko inguzanyo z’ubuhinzi zikiri munsi y’urwego rukenewe kugira ngo uru rwego rubone ishoramari rihagije.

Iyi gahunda iri mu bikorwa byagutse by’inzego zigenzura urwego rw’imari n’ibigo bya Leta, bigamije gukoresha ibikorwaremezo by’ikoranabuhanga mu kugeza serivisi z’imari ku bantu benshi.