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Miliyari 300 Frw zigiye gushorwa mu mushinga uzagabanya inyungu ku nguzanyo z’ubuhinzi

Yanditswe na Akayezu Jean de Dieu
Kuya 9 June 2022 saa 08:01
Yasuwe :

Guverinoma y’u Rwanda yatangaje ko igiye gutangiza umushinga wa miliyari zisaga 300 Frw uzatuma inyungu ku nguzanyo zigenewe ubuhinzi ziva kuri 24% zikagera munsi ya 10%.

Minisitiri w’Imari n’igenamigambi, Dr Uzziel Ndagijimana, yabibwiye Inteko Ishinga Amategeko mu nama nyunguranabitekerezo yateguwe na Sena, hagamijwe kurebera hamwe imbogamizi zikiri mu kwegereza abaturage serivisi z’imari.

Ibibazo byagaragajwe birimo kuba inyungu ku nguzanyo zikiri ku bipimo byo hejuru kuko igeze kuri 16% ndetse hari n’aho usanga irenga ikagera no kuri 24%.

Nk’urugero rwa za Koperative Umurenge Sacco, zitanga inguzanyo ku giciro cya 24%. Bisobanuye ko nk’umuhinzi w’ibirayi iyo za Kinigi mu Majyaruguru, aguza ibihumbi 100 Frw, akazishyura ibihumbi 124 Frw mu mwaka.

Ikindi kibazo kigihangayikishije ni uko mu nguzanyo zose zitangwa n’ibigo by’imari, izihabwa abahinzi zitarenga igipimo cya 5% nyamara uru rwego rurimo abagera kuri 70%.

Uku kudaha inguzanyo abari mu rwego rw’ubuhinzi bituruka ahanini ku kuba amabanki aba atizeye imishinga y’ubuhinzi kubera ingorane zibamo, kuba kandi uru rwego rudapfa kubona ingwate zagurishwa igihe umuhinzi atabashije kwishyura.

Umuti w’ikibazo waterekejweho…

Ubusanzwe ibigo by’imari biciriritse na za banki z’ubucuruzi bitanga inguzanyo ku bwizigame bw’abaturage, bwaba ari buke zikunganirwa n’amafaranga azigamwa n’ibigo binini bya Leta bikora ubucuruzi nk’Urwego rw’Ubwiteganyirize, RSSB.

Hari za banki z’ubucuruzi ibyo bigo biba bibitsamo amafaranga yabyo, izo banki zikayacuruza binyuze mu kuyatangamo inguzanyo ku bakiliya bayo.

Ku rundi ruhande ariko hari ibigo by’imari biciriritse ari nabyo usanga bikorera cyane mu bice by’icyaro, ni ukuvuga ko bitanga inguzanyo ku baturage barimo n’abahinzi n’aborozi, ariko usanga bya bigo binini bitabitsamo ayo mafaranga.

Ni ukuvuga ko hari igihe ibyo bigo by’imari bitanga inguzanyo nko ku bahinzi bakamara igihe kirekire batarayishyura bitewe n’uko imyaka iba itari yera bigatuma bishobora kubura amafaranga biha abandi bakiliya bazikeneye.

Ibi bishobora gutuma cya kigo cy’imari kijya kuguza amafaranga nko muri Banki Nkuru y’Igihugu cyangwa mu zindi banki zo mu mahanga, noneho kikayabona ahenze, bityo nacyo cyajya kuyatangamo inguzanyo kuri wa muhinzi, kikayamuha ahenze.

Umuyobozi wa Umutanguha Finance Company Plc, Muhawenimana Noël, yagaragaje ko iki kigo gifite amashami 20, ariko abiri yonyine ariyo abarizwa muri Kigali mu gihe andi yose ari mu cyaro. Mu nguzanyo iki kigo cyatanze umwaka ushize, 35% zahawe abahinzi.

Ati “Zigenda neza ariko imbogamizi tugira ni cya kibazo cyo kuzigama aho uha umuhinzi inguzanyo, ntanze nk’urugero, ibirayi byerera amezi ane hakabaho n’ukwezi ko gusarura, umuhinzi ukamuha inguzanyo mu mezi atanu. Iyo umuhaye inguzanyo rero muri ayo mezi atanu ya mafaranga uba uyahebye.”

“Yarangiza gusarura akaguha amafaranga, hagacamo ukwezi agahita ahindura ubuhinzi ahahinzwe ibirayi akahashyira ibigori nabwo ukamuha indi nguzanyo izamara amezi atandatu.”

Muhawenimana yavuze ko ari ikibazo gikomeye kuri banki kuko icuruza amafaranga, kuba yaha umuntu inguzanyo akayimarana igihe kirekire.

Ati “Muri icyo gihe nka banki, ugira ikibazo cy’ubwizigame, iyo duhuye n’ikibazo nk’icyo tujya kwegera ibigo byo hanze tukabyaka inguzanyo zikaza zihenze ziri nko kuri 13% y’inyungu, natwe rero ni yo mpamvu usanga tuyitangira 20 cyangwa 22% ku muhinzi.”

“Kandi urumva ko iyo inguzanyo imugezeho ihenze, ntabwo yunguka nk’uko yabiteganyije.”

Minisitiri w’Imari n’Igenamigambi, Dr Ndagijimana Uzziel, yavuze ko uyu mushinga wa miliyari 300 Frw uzasiga abari mu rwego rw’ubuhinzi babasha kubona inguzanyo zidahenze kuko bazunganirwa na leta.

Ati “Ni umushinga mushya, ntabwo amafaranga arasohoka kugira ngo umushinga utangire gukorwa ariko twamaze kuzuza ibisabwa, twizeye ko vuba aha uzatangira gushyirwa mu bikorwa.”

Avuga ko ubwo uwo mushinga uzaba watangiye, ibigo by’imari bitanga inguzanyo ku bahinzi bizajya bihabwa amafaranga aganewe kugurizwa abahinzi n’aborozi kugira ngo hatabaho ibihombo.

Ati “Icyo birumvikana ko inyungu ku nguzanyo ishobora kuva kuri 24% iriho mu bigo nk’Umurenge Sacco ikagera kuri 10% cyangwa munsi yaho.”

Minisitiri Dr Ndagijimana yavuze ko muri rusange amafaranga leta ishyira mu rwego rw’ubuhinzi ariko hari ingamba zo kuyongera hagamijwe guteza imbere uru rwego.

Guverinoma igiye gutangiza umushinga wa miliyari 300 Frw zigenewe kugabanya inyungu ku nguzanyo z’ubuhinzi

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