Dr. Karusisi yakomoje ku ngaruka za COVID-19 ku mabanki, n’imitangire y’inguzanyo Leta yageneye abikorera

Yanditswe na IGIHE
Kuya 19 Kanama 2020 saa 12:46
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Umuyobozi wa BK Group Plc, Dr Diane Karusisi, yavuze ko icyorezo cya COVID-19 kimaze kugira ingaruka zikomeye ku rwego rw’imari, ariko ko hari icyizere gishigiye ku kuba ibikorwa bitangiye kuzahuka, ku buryo ubukungu bushobora gusubira ku murongo.

Mu kiganiro yagiranye na The New Times, Dr. Karusisi yagaragaje ko iki cyorezo cyatangiye ari ikibazo cy’ubuzima, ariko cyaje kuvamo ikibazo cy’ubukungu ku rwego rukomeye, ubu inzego zose zihanganye nabyo.

Yakomeje ati “Urebye nko ku bucuruzi bw’akarere bwonyine, ubucuruzi hagati y’ibihugu bya EAC bwagabanutseho 40 ku ijana, ibintu umuntu atatekerezaga. Ibyo bivuze ko nkatwe dukorana n’ibigo bikora ibijyanye no kubika ibicuruzwa, ubwikorezi, n’abacuruzi, uhita uhura n’ingaruka kubera ko abo mukorana zabagezeho.”

Ibyo ngo bituma abantu batabasha kwinjiza amafaranga nk’uko bisanzwe, ingaruka zikagera ku bantu bose icyarimwe.

Urwego rw’amabanki by’umwihariko, icyorezo kigitangira hagombaga gukora amashami make cyane kandi ku masaha make, ndetse ibigo bitanga serivisi z’imari byari bifite inshingano zo kurinda abakozi kuko bakira abantu benshi. Byongeye, abantu hafi ya bose bari bategetswe kuguma mu rugo.

Yakomeje ati “Benshi mu bakiliya bacu bashishikarijwe gukoresha serivisi z’ikoranabuhanga, ikintu nacyo cyiza. Ariko mu bijyanye n’ubucuruzi bwari bwarahagaze, twakoraga ibintu by’ibanze bitarimo gutanga inguzanyo, kandi ni cyo kiza imbere mu bucuruzi dukora, n’amafaranga abitswa yaragabanutse kuko muri icyo gihe abantu bari bakoreshaga ayo bazigamye.”

Igishoro kinini cyabaye intwaro ikomeye

Mu bijyanye no kugumana amafaranga banki ikoresha, Dr. Karusisi avuga ko banki nyinshi zari zifite amafaranga ahagije, bitanga agahenge mu gihe habayeho ikibazo gituma nta mafaranga menshi yinjira.

Yakomeje ati “Mbere y’icyorezo abantu baratubwiraga bati murigengesera, mufite imari shingiro nini cyane, mufite amafaranga menshi mubitse. U Rwanda ni igihugu gicuruza, kandi ubucuruzi bwarahungabanye cyane uretse ibijyana n’ibikoresho by’ibanze nk’ibiribwa n’ibinyobwa, kimwe n’ibikoresho byo mu buvuzi.”

“Icyo twagombaga gukora kwari ukorohereza abakiliya bacu kwishyura. Ubwo ikibazo cyari gikomeye cyane, twavuguruye imyishyururire y’inguzanyo zisaga 40%, bivuze ko 40% by’abakiliya bawe batishyura inguzanyo. Hejuru y’ibyo ariko ntekereza ko ikibazo gikomeye cyane ari ukuba utabona neza igihe ibintu bizarangirira. Ese aba bantu bazabasha gukomeza ibikorwa?”

Ibyo ngo byatumye batangira kubara ko bashobora guhomba ingazanyo nyinshi, binagira ingaruka ku mikorere ya Banki ya Kigali.

Ikigega cya Leta gikomeje kwifashishwa

Guverinoma y’u Rwanda iheruka gushyiraho ikigega cyo gufasha ibigo byahungabanyijwe na Coronavirus, cyatangiranye miliyari 100 Frw, harimo miliyari 50 Frw zizahabwa amahoteli, ibigo by’ubucuruzi binini bigenerwe miliyari 30 Frw, ibiciriritse bigenerwa miliyari 15 Frw naho ibito biteganyirizwa miliyari 1 Frw.

Ni amafaranga azatangwa binyuze muri banki zitandukanye, ikishyurwa ku nyungu ya 8%.

Dr Karusisi yavuze ko ku bijyanye n’amahoteli, izi nguzanyo zakomeje gutangwa. Ati “Icyo cyiciro gikomeje gukora neza, dufite ba nyiri amahoteli 44 bamaze gufata kuri iki kigega, amasezerano yarasinywe, amafaranga aratangwa, twumva ko ari ikintu cyiza.”

Ubusanzwe ngo iyo umuntu yasabaga kuvugurururirwa inguzanyo yamanurwaga mu ntera ijyanye n’inguzanyo ashobora guhabwa, ariko ngo kubera COVID-19, ikigo cy’ubucuruzi gishobora guhabwa kugeza ku myaka ibiri batishyura inyungu, kandi kikaguma ku rwego cyariho na mbere y’iki cyorezo.

Ku cyiciro cy’inguzanyo ihabwa abakeneye igishoro cyo kuzahura ibikorwa, Dr Karusisi yavuze ko bikigoye kubera ko kugira ngo uhabwe iyi nguzanyo, ugomba kuba ugaragaza ingaruka COVID-19 yagize ku bucuruzi bwawe.

Yakomeje ati “Kubera ko bamwe mu bacuruzi batabashije kubarura ingaruka z’icyorezo ku rwunguko rwabo, biragoye kugira ngo bagaragaze ko ibikorwa byabo byagizwehio ingaruka.”

“Ariko dufite abakiliya bagera muri 40 bamaze kwemeerwa na banki, ubwo hasigaye Banki Nkuru y’Igihugu kugira ngo nayo ibisuzume, ubundi idusubize. Icyiza cy’iki cyiciro ni uko gifunguriwe buri wese; ibigo bito n’ibiciriritse, ibigo binini n’ibito cyane, ariko ikibazo gikomeye ni ukubyitabira ku mabanki, kuko ni ugutanga amafaranga ku mukiliya uyu munsi udafite ubushobozi bwo kwishyura.”

“Ufite abakiliya bafite nk’umwenda wa miliyari 2 Frw barimo kugorwa no kwishyura kubera iki cyorezo, kubera uburyo ubukungu bwifashe, noneho bakagarutse baka miliyoni 200 Frw z’inyongera cyangwa miliyoni 300 Frw. Ukareba ubwo bucuruzi, ukibaza niba uwo muntu koko azabasha kwishyura.”

Avuga ko bisaba isesengura ryimbitse mu kureba niba uwo muntu ashobora kuzahura ibikorwa akishyura banki ya mafaranga yahawe kimwe na wa mwenda asanganywe.

Dr Karusisi yavuze ko usanga banki zitagifite inyota yo gutanga amafaranga nka mbere, kubera ko ubukungu butifashe neza.

Ibishingirwa mu gutanga ayo mafaranga yo mu kigega cya leta bisobanutse, ariko ngo bisaba ukwiyemeza ku mabanki, kuko niba utanze nka miliyoni 300 Frw, ibijyanye no kuyishyuza ari wowe bijyaho, nubwo aba yaturutse muri Banki Nkuru y’Igihugu ku nyungu iri hasi.

Ibyo ngo bigasaba ko umukiliya abanza gutanga ingwate, kandi bamwe mu bakiliya usanga nta ngwate batatanze ahandi basigaranye.

Yatanze urugero ati “Uracyakenera ko bene izo nguzanyo ziherekezwa n’ingwate, ariko umuntu araje, afite ibicuruzwa akeneye kumenyekanisha mu kigo cy’imisoro n’amahoro ngo abashe kuzahura ubucuruzi bwe, ariko nta yindi ngwate afite arimo gutanga, icyo gihe ntabwo biba byoroshye.”

“Ntekereza ko hari icyizere ko ubukungu buzagenda bugana mu cyerekezo kizima. Nitumara kwizera ko ubukungu buri kugana ahantu heza, inyota yo kwiyemeza gutanga amafaranga izazamuka ku buryo tuzagera aho turekura amafaranga n’igihe adatangiwe ingwate.”

Ikoranabuhanga rikwiye kongerwa

Dr Karusisi yavuze ko aho icyorezo cya Coronavirus cyaziye, cyagaragaje ko abantu bakwiye kwifashisha ikoranabuhanga kurusha uko byari bisanzwe, ku buryo abantu bashobora gukorera ahandi hatari ku biro bakemeza inguzanyo, bagasohora amafaranga n’ibindi.

Ati “Aho ntabwo turahagera, haracyari akazi kagomba gukorwa. Urebye nka serivisi z’ibanze duha abakiliya - gukoresha internet banking, imibare bakanda kuri telefoni, application, ntabwo buri wese arabasha kuzikoresha. Na mbere yo gutangira kubaka ibintu bishya, ari nacyo twakabaye dukora, dukwiye kwimurira serivisi zacu mu buryo bw’ikoranabuhanga.”

Yavuze ko abantu bagerageje gukoresha ikoranabuhanga mu gihe cya Guma mu Rugo, ariko kugeza ubu hakiri abantu bajya gutonda imirongo ku mashami ya banki bagiye kwishyura imisoro, kwishyura serivisi zitangirwa ku Irembo, kandi bashobora kubikora bifashishike telefoni zabo.

Kugira ngo birusheho gukora, Dr Karusisi ashimangira ko hagikenewe ubukangurambaga buhagije no kwigisha.

Dr Karusisi asanga ikoranabuhanga rikwiye kongerwamo imbaraga muri ibi bihe

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