00:00:00 IGIHE NETWORK KN KINYARWANDA EN ENGLISH FR FRANCAIS

Urugendo rutangaje rwa Banamwana na bagenzi be bashinze ikigo cy’imari gishibutse ku ntebe y’ishuri

Yanditswe na Ferdinand Maniraguha
Kuya 14 April 2022 saa 08:46
Yasuwe :

Mu 2011, u Rwanda rwari rukiri inyuma cyane mu bijyanye n’iterambere nubwo abayobozi bakoraga amanywa n’ijoro, ngo bavane igihugu muri uwo mwijima.

Ubukungu bw’igihugu bwazamukanaga ingonga ariko bikaba agatonyanga mu nyanja bitewe n’uruhuri rw’ibibazo byari bicyugarije byasizwe na Jenoside yakorewe Abatutsi muri Mata 1994.

Umuriro wabonaga umugabo ugasiba undi, benshi bakivoma ibishanga, inkubiri yo guca nyakatsi ikiri yose, amashuri, amavuriro bikiri bike cyane…byumvikane ko kwizigamira byo byari hanyuma.

Mu cyumba kimwe muri Kaminuza yigenga ya Kigali (ULK), Banamwana Gilbert na bagenzi be amasomo y’ubukungu bari bayageze kure, bigishwa uburyo igihugu kitatera imbere urwego rw’imari rutabigizemo uruhare.

Icyo gihe mu Rwanda habarizwaga ibigo by’imari bitarenga 500, ibyinshi nabyo byibereye mu mijyi kandi bikorana ahanini n’abafite agatubutse. Imibare y’Ikigo cy’Igihugu cy’ibarurishamibare igaragaza ko icyo gihe Abanyarwanda bari bafite konti mu bigo by’imari na za banki ari 20.6 %, bavuye kuri 9.2 % mu 2005/2006.

Guverinoma yari imaze iminsi mu bukangurambaga ishishikariza abaturage gukorana n’ibigo by’imari, bitabira gahunda zo kubitsa no kugurizanya, imirenge Sacco itangiye gushyirwa hamwe na hamwe ariko nabwo bisa nk’ibikiri kure.

Banamwana Gilbert na bagenzi be, amasomo y’ubukungu bari bari guhererwa muri ULK bayagizemo igitekerezo cyo gushinga ikigo cy’imari, cyaje kuvamo ikigo gikomeye CIC Microfinance bateganya kuvanamo banki mu minsi iri imbere.

Bose bari abanyeshuri badafite ubushobozi buhambaye no kwishyura minerval kuri bamwe bigoranye, mu gihe gushinga ikigo cy’imari iciriritse mu Rwanda byasabaga nibura miliyoni 300 Frw .

Mu kiganiro cyihariye na IGIHE, Umuyobozi Mukuru wa CIC Microfinance Banamwana Gilbert yagize ati “Twashyizeho ubukangurambaga bwiswe ‘One 100 Coin Saving per day’. Twazigamaga igiceri cy’ijana buri munsi, ibihumbi bitatu mu kwezi, ibihumbi 36 Frw mu mwaka, bikaba ibihumbi 108Frw mu myaka itatu. Twari tugamije kwegeranya miliyoni 300 Frw BNR isaba ngo cya kigo cy’imari gitangire.”

Yakomeje agira ati “Igitekerezo abanyeshuri bagenzi bacu bacyakiriye neza, abayobozi bacyakira neza, BNR icyakira neza, Leta icyakira neza baradushyigikira natwe twiyumvamo ubushobozi.”

Nubwo igitekerezo cyari cyiza, kugishyira mu bikorwa byari ibindi bindi kuko amabwiriza yose asabwa ngo ikigo cy’imari gikore neza bagombaga kuba bayujuje.

Banamwana avuga ko byabatwaye imyaka itatu ngo buzuze ibisabwa ari nako bashishikariza abandi bifuza kuba abanyamuryango gushoramo imari.

Ati “Kugira ngo BNR ikureke utangire igusaba ibyangombwa nk’ibyo isaba abandi. Ntabwo wavuga ngo njye ndi umunyeshuri mundeke ntangire ntabyujuje. Niyo mpamvu byadutwaye igihe.”

Igitekerezo cya mbere cyazanywe n’abanyeshuri 14, nyuma babona abanyamuryango bashya ikigo cy’imari gitangira 256 none ubu abanyamuryango bariyongereye bamaze kuba 2600.

Ati “Hari hari harimo imbogamizi. Urumva kugira ngo uvuge ngo uzashyiraho ikigo cy’imari ubwabyo, ni ibintu bitoroshye. Ikigo cy’imari ni ikigo gifasha ibindi bigo, kumva wowe udafite ubushobozi ngo ugiye kugishyiraho, benshi babifataga nk’inzozi zitazagerwaho ariko ahari ubushake n’ubushobozi buraboneka.”

Intego ya mbere aba banyeshuri bari bafite, kwari ugushinga ikigo cy’imari giciriritse kigamije gufasha abantu batari basanzwe bisanga mu bigo by’imari nk’urubyiruko, abacuruzi baciriritse, abagore n’abandi.

Inzozi zo kuba banki

Mu bucuruzi buri wese aba aharanira kwaguka. Ni nako bimeze ku bashinze CIC Microfinance kuri ubu ifite icyicaro mu Gakinjiro ka Gisozi, ahari urujya n’uruza rw’abacuruzi.

Banamwana avuga ko nubwo bakomwe mu nkokora n’icyorezo cya Covid-19, intego zabo ari uguhinduka banki ikomeye ishobora gufasha benshi kurusha ikigo cy’imari iciriritse.

Ati “Turi ku cyerecyezo cyo kugira ngo nibura ihinduke sosiyete microfinance aho tugomba kuba dufite imari shingiro ya miliyoni 500, icyerecyezo mu cyiciro kizakurikiraho ni uko twazagira imari shingiro ya miliyari 1.5 Frw ikaba Banki. Turacyakangurira abanyamigabane bashya n’abandi bafite ubushobozi bunini kugenda batwegera.”

Muri Werurwe 2023 barifuza kuba bageze ku rwego rwa Microfinance ikomeye ifite igishoro cya miliyoni 500 Frw.

Ati “Hari abashoramari bagera muri bane tumaze iminsi tuganira noneho muri ya yandi asigaye tugafata umushoramari umwe abanyamigabane bazaba bemereye, agashyiramo andi asigaye ngo twuzuze miliyoni 500 Frw turusheho kwihuta. Mu myaka itandatu nabwo dushaka kugera ku mari shingiro ya miliyari 1.5 Frw.”

Nubwo urugendo rukiri rurerure, Banamwana yagiriye inama urubyiruko yo kudacika intege no kumenya guhera kuri bike.

Ati “Urubyiruko ntabwo rwihangana, rushaka buri gihe gutangirira hejuru. Iyo akoze umushinga usanga ahera ku mushinga uhanitse, ntabwo ashaka kuzamuka intambwe ku yindi. Nibyo tubigisha ngo bahindure imyumvire.”

Banamwana yavuze ko ikindi urubyiruko rukwiriye gushyiramo imbaraga ari ukubyaza umusaruro ibitekerezo byabo n’ubumenyi bwabo, bakamenya uko babishyira ku murongo ku buryo bivamo imishinga abanyamafaranga bashoramo imari.

Ati “Twashoye igitekerezo abantu bashyiramo amafaranga. Wowe ufite igitekerezo, undi afite amafaranga, kuki mutakorana? […] Hari ukumenya urwego uriho ugatekerereza mu bushobozi bwawe ariko mu buryo bwagutse no kumenya kugurisha ibitekerezo byacu.”

Raporo ya Finscope yo mu 2020, yagaragaje ko 77 % by’Abanyarwanda bakoresha serivisi z’imari zaba izitangwa n’amabanki n’ibindi bigo.

Icyakora amafaranga abanyarwanda babitsa ugereranyije n’Umusaruro Mbumbe w’Igihugu (GDP), aracyari make ugereranyije n’aho igihugu gishaka ngo ishoramari ry’imbere ryiyongere.

Muri gahunda y’imyaka irindwi ya Guverinoma, harimo kongera umubare w’amafaranga y’imbere mu gihugu abitswa akava kuri 12 % mu 2017 bikagera kuri 24 % mu 2024.

Iki kigo cy'imari gifite icyicaro mu Gakinjiro ka Gisozi
Banamwana yavuze ko kudacika intege aricyo cyabashoboje kugera ku rwego bariho ubu

Kwamamaza

Kwamamaza

Kwamamaza

TANGA IGITEKEREZO

AMATEGEKO AGENGA IYANDIKA RY'IGITEKEREZO CYAWE
Kwamamaza

Special pages
. . . . . .