Ni impapuro zizagira agaciro mu gihe cy’imyaka irindwi, zikazishyurwa ku nyungu nziza ya 12,9% ku mwaka, ishobora kwishyurwa inshuro ebyiri mu mwaka, igabanyijwemo kabiri.

Nk’umuntu washyiramo ibihumbi 100 Frw uyu munsi, yazahabwa ibihumbi 85 Frw mu myaka irindwi iri imbere mu gihe yategereza icyo gihe, gusa akazajya ahabwa inyungu buri mezi atandatu, yanifuza gukuramo igishoro cye akaba ashobora kugurisha izi mpapuro.

Ntabwo ari ibintu byari bisanzwe ko iyi Banki ubundi ishinzwe gufasha urwego rw’abikorera mu iterambere, ikura amafaranga ikeneye ku isoko ry’imbere mu Rwanda.

Mu kiganiro na Royal FM, Umuyobozi Ushinzwe gukusanya Umutungo muri BRD, Isaac Rugamba, yavuze ko ikibazo cy’ihindagurika ry’agaciro k’idolari ugereranyije n’ifaranga ry’u Rwanda ari kimwe mu byatumye bahitamo kugana isoko ry’imbere mu gihugu.

Ati “Mu bihe byashize twakoreshaga amafaranga twakuye mu zindi banki z’iterambere, ariko twakunze kuguza amafaranga aturutse hanze y’u Rwanda. Amafaranga tuguza hanze aba ari mu madolari ya Amerika, ariko inguzanyo dutanga ziri mu mafaranga y’u Rwanda. Aho ubwaho harimo icyuho kuko tuguza mu madolari, tukaguriza mu mafaranga y’u Rwanda.”

Yavuze ko iki cyuho cyagiraga ingaruka ku bakenera serivisi z’iyi Banki kuko ari bo bishyuraga icyo kiguzi, ibi bigatuma iyi Banki itagera ku ntego zayo uko ibyifuza.

Ati “ Ingaruka z’icyo kinyuranyo ni uko tugomba gukumira ingaruka ziterwa n’ihindagurika ry’agaciro k’amafaranga mpuzamahanga. Ariko ubwo ibyo bivuze ko abatuguza amafaranga ari bo bishyuzwa icyo kiguzi. Ibyo bisobanuye ko rimwe na rimwe tutagira ubushobozi bwo guhangana ku isoko nk’uko tubyifuza, kuko tugirwaho ingaruka n’ibiba byose ku isoko ry’amafaranga mpuzamahanga, ibivuze ko hari igihe igiciro cy’amafaranga duha abakiliya bacu kijya hejuru. Ibyo nibyo bimaze iminsi bibaho mu myaka itatu cyangwa ine ishize.”

Yavuze ko mu rwego rwo kwirinda ibyo bibazo byose, bahisemo gushaka amafaranga imbere mu gihugu, ati “Mu gihe ibyo byarimo kuba twibajije niba twategereza ko ibintu bisubira ku murongo ku isoko ry’amafaranga mpuzamahanga, cyangwa twagerageza gushaka ibindi bisubizo. Nibwo twanzuye gushaka amafaranga aturutse imbere mu gihugu.”

Amahirwe ku Banyarwanda bifuza gushora ahantu hizewe

Biragoye kubona ishoramari rifite inyungu ya 12,9% ku mwaka, kandi nta ruhare runini warigizemo, icyo wakoze gusa ari ugushora amafaranga.

Rugamba yavuze ko aya ari amahirwe Abanyarwanda bakwiriye gufatirana mu rwego rwo gushora imari no kwizigamira.

Ati “Turi guha Abanyarwanda amahirwe yo gushora muri Banki yabo, iyi ni Banki ya Guverinoma y’u Rwanda, itanga serivisi ku Banyarwanda, ni amahirwe ku bashoramari yo gushora imari muri Banki yabo.”

Yavuze ko bishimiye uburyo abashoramari berekanya ubushake bwo gushora muri iyi Banki ku nshuro ya mbere ishyira izi mpapuro ku isoko, dore ko abagaragaje ubushake bwo kuzigura barengeje abari bakenewe ku gipimo cya 110,59%.

Yagaragaje ko bazakoresha ayo mafaranga mu bikorwa bibyara inyungu.

Ati “Nka Banki y’Iterambere, ikidushishikaje ni ukureba umubare w’imirimo twahanze. Ese iri gufasha igihugu kugabanya ibyo gikura hanze cyongera ibyo cyoherezayo? Ese iri guteza imbere ibyoherezwa mu mahanga? Ese turi gufasha abantu badashobora gufashwa na banki z’ubucuruzi?”

Yatanze urugero ku mafaranga yari yakusanyijwe bwa mbere, ashimangira ko yakoreshejwe mu gukemura ibibazo byari bihari birimo ibijyanye no gukemura ikibazo cyo gutwara abantu mu buryo bwa rusange.

Ati “Amafaranga twabonye mu mwaka ushize, yabashije gukoreshwa neza mu rwego rwo kugera ku ntego zifatika. Umwaka ushize hari ibibazo byinshi mu gutwara abantu mu buryo bwa rusange. Amwe muri ayo mafaranga twakusanyije yagiye gukoreshwa mu gufasha urwego rw’ubwikorezi, urwego rw’ubuhinzi, ubu turi kubona inyungu nziza ayo mafaranga yatanze.”

Magingo aya, yavuze ko bifuza kuzakoresha aya mafaranga mu birimo kubaka inyubako zihendutse zigera nibura ku bihumbi 13 mu 2028.

Iyi Banki kandi ifite intego yo kuzamura imishinga y’ubucuruzi buto n’ubuciriritse bukorwa n’abagore, ikava kuri 15% by’iyo bakorana uyu munsi, ikagera kuri 30% mu 2028. Yanavuze ko bari gushyiraho uburyo buzajya bufasha ba rwiyemezamirimo b’abagore by’umwihariko, bijyanye n’imbogamizi nyinshi bagihura nazo mu kubona igishoro.

Iyi Banki iherutse gukorerwa isuzuma rigaragaza ko ihagaze neza, ku buryo ibyago byo guhomba biri hasi cyane, ibituma abashoramari badakwiriye kugira impungenge z’amafaranga yabo.

Izi mpapuro mpeshamwenda zishobora kwifashishwa nk’ingwate muri banki z’ubucuruzi, zishobora kuguha hagati ya 80% na 90% by’agaciro kazo nk’inguzanyo.

Umuntu akaba ashobora no kwiyandikisha ku rubuga rwa BRD bidasanzwe ko ajya ku cyicaro cyayo, mu gihe uwifuza kugurisha izi mpapuro ashobora kubikora anyuze ku bafasha abacuruzi kugurisha imigabane n’impapuro mpeshamwenda ba RSE (brokers). Ku nshuro ya mbere, izi mpapuro mpeshamwenda zacurujwe kuri RSE, zari zifite agaciro ka miliyari 4 Frw.

Umusoro ukata kuri iyi nyungu ni 5%, ibisobanuye ko umushoramari yakira 95% by’inyungu yahawe.

BRD iri gucuruza impapuro mpeshamwenda zifite agaciro ka miliyari 30 Frw

Umuyobozi Ushinzwe gukusanya Umutungo, Isaac Rugamba, yavuze ko ikibazo cy’ihindagurika ry’agaciro k’idolari ugereranyije n'ifaranga ry'u Rwanda ari kimwe mu byatumye bahitamo kugana isoko ry’imbere mu gihugu