Banki y’Abaturage y’u Rwanda yagabanyije inyungu fatizo ho 2%

Yanditswe na Evariste Nsengimana
Kuya 15 Gashyantare 2019 saa 06:33
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Banki y’Abaturage y’u Rwanda (BPR Atlas Mara), yatangaje ko inyungu fatizo ku nguzanyo yagabanutseho 2%, aho yavuye kuri 16.5% yari isanzweho igashyirwa kuri 14.5%.

Inyungu fatizo ni amafaranga umuntu uhawe inguzanyo asabwa kuzayungukira, afatwa nk’ikiguzi banki iba yayatanzeho. Amafaranga banki iguriza abakiliya, agizwe n’ay’abandi bakiliya bayibitsa nayo ikabungukira.

Iyo nyungu ihabwa umuntu wabikije hamwe n’ibindi biguzi banki itanga kugira ngo umukiliya ushaka inguzanyo ayihabwe. Birimo; kwiga dosiye, gusura ushaka inguzanyo, agaciro k’ifaranga, agaciro k’imigabane n’ibindi bishingirwaho habarwa inyungu fatizo.

Mu kiganiro n’abanyamakuru cyo kuri uyu wa Gatanu, Umuyobozi Mukuru wa BPR, Maurice Toroitich, yavuze ko iryo gabanuka rizatangira kubahirizwa guhera ku wa 1 Werurwe uyu mwaka.

Maurice yavuze ko iyo nyungu fatizo izubahirizwa ku nguzanyo zose ariko igatandukana bitewe n’impamvu zirimo; ingaruka (Risks) ugurizwa ashobora guhura nazo zikaba zamuganisha mu gihombo, aho ufite ingaruka ziri hejuru, inyungu fatizo izajya yiyongera.

Ati “Iyo inyungu fatizo izashingirwaho ku bakiliya bose. Umukiliya wese uhawe inguzanyo muri banki (BPR), agomba kwitegura ko twashyize ku nyungu fatizo ya 14.5%.”

Ku mpamvu zishobora gutuma inyungu fatizo irenga kuri 14.5% yatanze urugero ko nk’umuntu uhawe inguzanyo adasabwe ingwate nk’iyo ku mushahara, iy’igihe kirekire n’izindi usanga bigoye banki gukumira no kubara igihombo byayitera, bityo bikaba biri mu bishingirwaho yiyongera.

Umuyobozi w’Ishami rishinzwe abakiliya bato n’abaciriritse muri BPR, Mugisha Shema Xavier, yavuze ko mu kubara ibyago bishobora gushyira banki n’umukiliya wagurijwe mu gihombo hashingirwa ku bintu birimo icyo akora, niba ari umwe cyangwa itsinda n’ibindi.

Mugisha yakomeje avuga ko kugabanya inyungu fatizo bifitiye inyungu nyinshi abakiliya na Banki muri rusange.

Ati “Bizafasha umukiliya kumenya icyo agomba gukora kugira ngo ahabwe inguzanyo ku giciro gito, kumenya ese mfite ingwate ihagije ituma ibyago bigabanuka.”

Ibi ngo bizafasha Banki gusesengura ibyago ishobora kugira bituruka ku nguzanyo zatanzwe zitishyurwa, kuri ubu muri BPR zavuye kuri 12% mu myaka ibiri ishize zikaba zigeze kuri 7,8%.

Banki y’Abaturage y’u Rwanda yatangiye gutanga serivisi zo kubitsa, kubikuza no kuguriza mu 1975. Nibura 80% by’abakiliya bayo biganjemo abantu ku giti cyabo n’ibigo biciritse.

Umuyobozi Mukuru wa BPR, Maurice Toroitich, yavuze ko iryo gabanuka ry'inyungu fatizo rizatangira kubahirizwa guhera ku wa 1 Werurwe uyu mwaka
Umuyobozi w’Ishami rishinzwe abakiliya bato n’abaciriritse muri BPR, Mugisha Shema Xavier, yavuze ko ibyakozwe bifite inyungu ku bakiriya na banki
bayobozi ba BPR baganira n'abanyamakuru

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