Ishusho y’urwego rw’imari mu Rwanda muri ibi bihe bya Coronavirus

Yanditswe na Ndahayo Emmanuel
Kuya 14 Kanama 2020 saa 08:34
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Banki Nkuru y’u Rwanda (BNR), yagaragaje ko ubukungu bw’u Rwanda bwihagazeho mu bihe bitoroshye bya Coronavirus, bitewe n’ingamba zafashwe na leta.

Itangazo rya BNR rivuga ko Inama isanzwe ngaruka-gihembwe ya Komite Ishinzwe Ubudahungabana bw’Urwego rw’Imari (FSC) yateranye ku wa 10 Kanama, igamije gusuzuma imikorere y’uru rwego, no gufata ingamba zikwiye mu kubungabunga ubudahungabana bw’urwego rw’imari.

Muri rusange, BNR ivuga ko urwego rw’imari mu gihugu ‘rwakomeje kudahungabana no kutajegajega kugeza mu mpera za Kanama 2020’. Gusa ariko rwakomwe mu nkokora n’ingaruka zitoroshye za Coronavirus, zatumye ibikorwa by’ubucuruzi bihagarara, ubucuruzi mpuzamahanga bukadindira ndetse n’uruhererekane rw’ibicuruzwa rugahinduka.

BNR ivuga ko izi ngaruka zatangiye kugera kuri uru rwego cyane muri Mata uyu mwaka, bitewe no kugabanuka kw’abasaba inguzanyo ndetse no kwiyongera kw’abasaba guhindurirwa amasezerano y’inguzanyo bari bafite.

Amabanki yabashije guhangana n’ibi bibazo, bishingiye ku kugira igipimo cy’imari shingiro ikwiye ndetse n’igipimo cy’ubwizigame cyari kuri 23% ugereranyije n’igisabwa cya 15%.

Igipimo cy’ubushobozi bwo kubona amafaranga cyari kuri 253% ugereranyije na 100% kiba gisabwa. Igipimo cy’inguzanyo zitishyurwa neza cyari kuri 5.5% kugeza mu mpera za Kamena, ugeranyije na 5% kigenderwaho.

Ku bigo by’imari iciriritse, ubwizigame bw’imari shingiro bwari kuri 35.8% mu mpera za Kamena ugereranyije na 15% busabwa n’amabwiriza. Ubushobozi bwabyo bwo kubona amafaranga bwari ku gipimo cya 110.1% ugereranyije na 30% iba ikenewe.

Gusa ariko igipimo cy’inguzanyo zitishyurwa neza gihagaze kuri 12.8%, hejuru ya 5% iba yagenwe. Iki gipimo cyazamutseho 4.8% mu mezi atatu kuko cyari ku 8% muri Werurwe uyu mwaka. BNR ivuga ko iri zamuka ry’inguzanyo zitishyurwa neza ryatewe n’ingaruka z’icyorezo cya Coronavirus.

Ibigo by’ubwishingizi na byo byari bihagaze neza, kuko ubwihaze bw’imari shingiro bwari kuri 156% ugereranyije n’igipimo cya 100% gisabwa. Igipimo cy’ubushobozi bwo kubona amafaranga kiri kuri 134% ugereranyije na 120% isabwa.

BNR kandi ivuga ko umutungo w’urwego rw’ubwiteganyirize bw’izabukuru wazamutse ku gipimo cya 12.4% muri Kamena, ugereranyije na 11.7% mu gihe nk’icyo umwaka ushize.

Ingaruka za Coronavirus ku rwego rw’imari mu Rwanda

Ingamba zirimo gahunda ya guma mu rugo n’ihagarikwa ry’ibikorwa muri rusange, zatumye ubukungu bw’u Rwanda buhungabana. Izi ngaruka zageze ku bikorwa bisanzwe bikorana cyane n’ibigo by’imari, nk’amahoteli, inzu z’ubucuruzi, abakora ubwikorezi rusange, abacuruzi n’inganda.

Ibi byatumye umuvuduko w’izamuka ry’inguzanyo ugabanuka bitewe n’ubucye bw’abazisaba, ugera kuri 14.6% muri Kamena uvuye kuri 16.6% igihe nk’icyo umwaka ushize. Inguzanyo nshya zatanzwe mu gice cya mbere cya 2020 na zo zaraguye ku kigero cya 9% ugeranyije n’umwaka ushize.

Inguzanyo zasabwe na zo zagabanutse ku kigero cya 37.9% mu gice cya mbere cy’uyu mwaka, ugereranyije n’umwaka ushize. Agaciro kazo na ko kavaho 12.3%.

Amasezerano y’inguzanyo zifite agaciro ka 39% (angana na miliyari 978 Frw) k’inguzanyo zose yaravuguruwe bitewe n’uko icyorezo cyagoye abazishyuraga.

Umwenda w’amafaranga ava mu bwishingizi warazamutse, ingano yayo igera kuri 2.2% by’umutungo wose w’urwego rw’ubwishingizi.

Ikoreshwa ry’ikoranabuhanga muri serivise z’imari ryariyongereye

N’ubwo icyorezo cya Coronavirus cyahungabanyije ubukungu muri rusange, cyatumye umubare w’abakoresha ikoranabuhanga muri serivise z’imari wiyongera.

Ingano y’abantu bakoresha ikoranabuhanga muri serivise z’imari yariyongereye ndetse n’ingano y’amafaranga yishyurwa hakoreshejwe ikoranabuhanga nk’ amakarita nayo yaratumbagiye.

Ibi byatumye agaciro k’amafaranga yose ari kuri konti zihuriweho z’ibigo bitanga amafaranga mu buryo bw’ikoranabuhanga yiyongera agera kuri miliyari 74 Frw (ahwanye na 3% by’ubwizigame bwose) avuye kuri miliyari 27 Frw (ahwanye na 1% by’ubwizigame bwose)

Muri rusange, BNR yemeza ko ihungabana ry’ibikorwa by’ubukungu ryongereye inkeke zo kutubahiriza inshingano zo kwishyura inguzanyo ku bigo n’abantu ku giti cyabo, ibyateye ingorane ku nguzanyo ndetse n’uburyo bwo kubona amafaranga ku bigo bitanga inguzanyo.

Iyo byiyongereyeho izamuka ry’umwenda w’amafaranga aturuka ku bwishingizi, bituma habaho ingorane z’uburyo bwo kubona amafaranga, ndetse n’izituruka ku nguzanyo mu bigo by’ubwishingizi.

Muri rusange rero izi ngorane zizateza igwa ry’urwunguko mu rwego rw’imari, bitewe n’igabanuka ry’amafaranga yinjira, izamuka ry’ubwizigame, igihombo ku nguzanyo, igabanuka ry’agaciro k’umutungo n’imikorere y’ubucuruzi bishobora gutera igihombo.

Ni izihe ngamba BNR ifite zo guhangana n’ibyo bibazo?

BNR yashyizeho ingamba zitandukanye zigamije gufasha urwego rw’imari kwihagararaho muri ibi bihe bitoroheye ubukungu bw’igihugu.

Hashyizweho ingamba za politiki y’ifaranga, iz’imari ya Leta ndetse n’ubugenzuzi zose zigamije kurengera urwego rw’imari.

Nka BNR, yashyizeho amafaranga miliyari 50 Frw ashobora kugurizwa amabanki, ivugurura uburyo bwo kongera kugura impapuro mpeshamwenda ndetse inagabanya igipimo cy’ubwizigame busabwa banki, kiva kuri 5% kigera kuri 4%. Ibi byatumye miliyari 23.4 Frw aguma muri banki, ku buryo ashobora gukomeza gukoreshwa.

BNR kandi yahagaritse igabana ry’inyungu ku bigo by’imari igenzura kugira ngo bikomeze imari shingiro yabyo.

Leta y’u Rwanda nayo yashyizeho Ikigega Nzahurabukungu (ERF) ndetse ifata n’ingamba zo gusonera imisoro ibikorwa by’ubucuruzi mu rwego rwo kubungabunga urwego rw’imari rw’u Rwanda.

BNR ivuga ko izo ngamba zavuzwe ziyongera ku zafashwe na Leta, zizafasha mu izahuka ryihuse ry’ibikorwa by’ubukungu bityo bikazamura ubwizigame, uburyo inguzanyo zishyurwa no kuzamura ubwitabire bw’ibicuruzwa na serivise z’imari, zirimo n’ubwiteganyirize bw’izabukuru, ndetse no gukomeza gusigasira ubutajegajega n’ubudahungabana bw’urwego rw’imari.

Guverineri John Rwangombwa uyobora BNR, aherutse gutangaza ko ifaranga ry’u Rwanda ryataye agaciro ku kigero cya 2.3% mu 2020 ugereranyije na 2.6% mu mwaka ushize. BNR yemeza ko u Rwanda rumaze kugira amadevize yaruhaza mu gihe cy’amezi atandatu yose.

Banki Nkuru y’u Rwanda (BNR), igaragaza ko ubukungu bw’u Rwanda buzazahuka mu gihe cya vuba kubera ingamba zashyizweho na Guverinoma

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