Bigenda bite iyo umuntu apfuye afitiye Banki cyangwa abaturanyi umwenda?

Yanditswe na Evariste Nsengimana
Kuya 15 Ukwakira 2019 saa 11:34
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Guhera kuri wowe usoma iyi nkuru, umuvandimwe, umufasha cyangwa umukoresha wawe mufite cyangwa mwigeze kwaka ideni ikigo cy’imari cyangwa inshuti zanyu, uko niko bizagenda mu gihe muzava kuri iyi mutarabasha kuryishyura.

Igitekerezo cyo kwandika iyi nkuru cyaturutse ku muturage wo mu Karere ka Gisagara watugejejeho icyo yita akarengane, atubwira ko uyu munsi ari kwishyuzwa amafaranga y’inyongeramusaruro bivugwa ko yafashwe n’umufasha we mu myaka itandatu ishize, akaza kwitaba Imana mu 2015.

Yatubwiye ati “Uretse kuba ntazi neza niba iyo nyongeramusaruro umugabo wanjye yarayifashe koko kuko ntayo nigeze mbona anzanira ngo tuyifumbize, ntabwo numva impamvu nayishyuzwa mu gihe hashize imyaka hafi itanu atabarutse nta wigeze ambwira ko amufitiye ideni.”

Bigenda gute iyo umuntu apfuye afitiye Banki cyangwa abaturanyi umwenda?

Mu kiganiro IGIHE yagiranye n’Umuyobozi w’ishami ry’amategeko muri Equity Bank Rwanda, Higiro Eugène, yavuze ko ku bigo by’imari cyangwa banki muri rusange, ibyinshi mbere yo guha umuntu inguzanyo bimusaba kujya mu bwishingizi ku nguzanyo

Ati “Icyo gihe iyo umuntu apfuye ikigo cy’ubwishingizi cyishyura banki kandi twe, umuntu wese usaba inguzanyo tumutegeka kubujyamo.”

Higiro yavuze ko ku nguzanyo zidasaba ko umuntu ajya muri ubwo bwishingizi, nk’iyo ku mushahara “icyo gihe abakuzunguye bishyura uwo mwenda.”

Ati “Hari nk’inguzanyo umuntu yaka izajya yishyurwa n’ibyo ayikoresha. Icyo gihe iyo apfuye ariko ibyo yakoraga bikaba bisigaye abamuzunguye bashobora gukomeza kubikora bakajya bishyura. Igihari ni uko iyo umuntu apfuye bitamusonera kwishyura, kuko aba asize ibintu.”

Higiro yavuze ko iyo batishyuye ibyo bintu bikaba bihari ‘banki irabigurisha ikiyishyura. Iyo watanze ingwate biba byoroshye, iyo utayitanze banki ishakisha imitungo yindi waba ufite ikagurishywa ku ngufu ikishyurwa.”

Yasobanuye ko igihe uwo mwenda abazunguye batari bawuzi ariko bakawumenya nyuma nabwo bahitamo kutazungura nk’igihe imyenda iruta imitungo uwapfuye asize kugira ngo batazishyuzwa ku ngufu.

Itegeko rigenga imicungire y’umutungo w’abashyingiranywe, impano n’izungura riteganya ko ‘abashyingiranywe bafatanya kwishyura imyenda yafashwe mbere na nyuma yo gushyingirwa’.

Iyo umwe yapfuye, kwishyura imyenda ikurwa mu mutungo uzungurwa hakurikijwe ibyatanzwe mu ishyingurwa ry’uwapfuye; ibyatanzwe mu icunga, iyegeranya n’ikigereranyo cy’ibizakoreshwa mu igabana ry’umutungo uzungurwa, imyenda yose uwapfuye asize igejeje igihe cyo kwishyurwa cyangwa indagano yatanzwe n’uwapfuye.

Gusa ‘uwahawe indagano mu mutungo w’uwapfuye nta nshingano agira yo kwishyura imyenda y’uwamuhaye indagano’.

Rivuga ko ‘uzungura wanze kuzungura afatwa nk’aho atigeze ashyirwa mu bagomba kuzungura. Ntasabwa kwishyura, imyenda ikurwa ku mutungo uzungurwa’.

Umuntu iyo apfuye afite umwenda, wishyurwa n'abazungura be cyangwa ibyo yari atunze bigafatirwa

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