Ibanga ry’ubwishingizi muri Banki ya Kigali ryatumye intego z’imyaka itanu zigerwaho muri itatu

Yanditswe na Rabbi Malo Umucunguzi
Kuya 24 Gashyantare 2020 saa 06:02
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Mu 2017 nibwo Banki ya Kigali yatangije ku mugaragaro ikigo gitanga serivisi z’ubwishingizi mu izina rya BK General Insurance, cyiyongera ku bindi byinshi bibarizwa mu mutaka w’ikigo gikomeye cy’ubucuruzi, BK Group Plc.

Ni ikigo cyashibutse kuri Banki yubatse izina mu Rwanda ari nayo iyoboye izindi ku isoko, Banki ya Kigali, imaze imyaka isaga 50 igira uruhare mu guhindura ubuzima bw’abanyarwanda.

BKGI yatangiye gutanga serivisi muri Nzeri 2016, kugeza ubu yoroheje uburyo abantu babona ubwishingizi, ku ikubitiro ihindura uburyo umuntu yishinganishaga, ariko yakora nk’impanuka, kugira ngo azishyurwe bigasaba gutegereza igihe kinini, rimwe na rimwe ubwishyu ntibukuramire uko bikwiye.

Ubwo mu Ugushyingo BK Group Plc yatangazaga inyungu yabonye mu mezi icyenda y’umwak wa 2019, yagaragaje ko mu gihembwe cya gatatu BK General Insurance yabonye urwunguko rwa miliyari 1.039 Frw zivuye kuri miliyoni 559 Frw zabonetse mu gihe nk’icyo umwaka ushize, bingana n’izamuka rya 86%.

Imibare igaragaza ko BK General Insurance amafaranga yakiriye avuye mu misanzu y’abishinganisha nayo yazamutse, iva kuri miliyoni 456 Frw igera kuri miliyoni 796 Frw bingana n’izamuka rya 74%, ndetse umutungo mbumbe w’iki kigo uzamukaho 42% ugera kuri miliyari 12.4 Frw.

Mu kiganiro cyihariye na Bahizi Alexis uyobora BK General Insurance, yagarutse ku rugendo iki kigo cyakoze mu myaka mike kimaze, n’ibikorwa biri imbere bigamije kuzamura umubare w’abafata ubwishingizi, magingo aya babarurwa munsi ya 2%.

IGIHE : Kuki BK nka banki yatangiye ikigo cy’ubwishingizi?

Bahizi: BK ihora ireba ibintu byazamura serivisi z’imari, yashakaga ko muri serivisi z’imari iha abakiliya bayo, hajyamo na serivisi z’ubwishingizi kuko iyo ibagurije bakagura imitungo, bagakora ubucuruzi butandukanye, iyo mitungo, ubwo bucuruzi bakora bafatanyije nka BK nk’umufatanyabikorwa wabo, bikenera ubwishingizi.

BK rero ikabona ko kugira ngo ihe serivisi zuzuye abakiliya bayo, muri serivisi z’imari itanga yakongeramo n’ubwishingizi. Waza muri BK ushaka inguzanyo ukayibona, washaka ko bakugurira inzu ukayibona, washaka ko igira ubwishingizi bakabuguha, washaka ubujyanama mu by’imari bakabuguha niyo mpamvu ifite BK Capital, washaka gukorana nayo ukoresheje ikornabuhanga nabyo niyo mpamvu ifite BK TecHouse n’ibindi.

IGIHE: Ni izihe ntego BKGI yatangiranye?

Bahizi : Mu 2016 twacuruje amezi atatu gusa kuva muri Nzeri kugeza mu Ukuboza, ariko nabwo twayarangije tumaze kubona icyerekezo. Mu migambi twari twihaye, twahawe n’inama y’ubutegetsi ndetse n’abanyamigabane, twashakaga ko tuzamara imyaka itatu tumaze kugera ku rwego rw’aho tudahomba. Ubundi ikigo gitangira giteganya ko kidashobora gutangirana inyungu.

Kuvuga inyungu byatekerezwaga nyuma y’umwaka wa gatatu, ubwo ni ukuvuga gukora mu 2017, 2018, tukarangiza 2019 tuvuga ko twabonye inyungu nubwo yaba igiceri kimwe, ariko mu bitabo byacu tudafite igihombo.

Hanyuma tukarangiza imyaka itanu, nibura dufite ingano y’ikigo ugereranyije n’isoko itari munsi ya 12%. Twashakaga ko muri iyo myaka itanu tugomba kuba dufite amafaranga twinjije atari munsi ya miliyari 10 Frw, dufite inyungu itari munsi ya miliyoni 500 Frw. Muri iyo myaka ikigo cyaba cyashinze imizi.

Ubu rero nyuma y’umwaka wa gatatu, mu 2019 twinjije miliyari 7.2 Frw, hanyuma urwunguko kuri ubu abagenzuzi b’imari barimo kubara, imibare y’agateganyo iratwereka ko urwunguko tuzaba dufite ruzaba rurenga miliyari 1.1 Frw. Mu rwego rw’ingano y’ikigo ugereranyije n’isoko dutekereza ko tuzaba tutari munsi ya 15%. Ni ukuvuga ngo intego twari dufite mu myaka itanu, itatu irangiye tuzigezeho tunazirenze cyane.

IGIHE: Byagenze bite ngo imibare imere itya?

Bahizi : Impamvu ziragaragara. Iya mbere ifite uruhare runini, twatangiranye imari shingiro nini. Imari shingiro ikigo cy’ubwishingizi cyasabwaga gutangirana kugeza mu mwaka twatangiriyeho, yabaga ari miliyari imwe. Twebwe rero abanyamigabane bashyiraho iyi sosiyete, Banki ya Kigali yavuze ko itangirana imari shingiro ya miliyari eshanu.

Imari shingiro rero niyo ikora byose, niyo iguha abakozi beza, rimwe na rimwe bahenze, niyo iguha abakozi benshi, iyo ubashije gutangirana abakozi benshi, babimenyereye kandi umubare uhagije, ukora neza. Icya kabiri, aho ukorera, uko usa n’uko utanga serivisi n’ibyo uyitangiramo, nabyo bitwara amafaranga. Uyakuye muri ya mari shingiro watangiranye, niko iba igenda imanuka. Iyo ari nini rero ibyo urabikora kandi ugasigara ufite ubushobozi.

Kuri twebwe rero kuko twatangiye turi Bank of Kigali General Insurance, Banki ya Kigali mu rwego rw’imari ikaba ari ikigo kimaze imyaka irenga 50 kandi ikora neza, inakura, ifite agaciro, nabyo byaduhaye ingufu, aho ugiye gukomanga uvuga uti ndi ‘Banki ya Kigali’, n’utakuzi ukamubwira ngo ubu dufite ikigo cy’ubwishingizi, dukora ibi, ntabwo babitindaho kukwizera, kuko mu rwego rw’imari igikora ni icyizere.

Ikintu kigora ibigo by’ubwishingizi byinshi, si mu bwishingizi gusa, n’ahandi hose, ni ukwimenyekanisha no kugirirwa icyizere ku babigana. Ugomba kumara igihe kinini uvuga uwo uriwe, uvuga icyo ushoboye, unagitangamo urugero, abantu bakazavuga ngo koko urashoboye.

Ubu ugiye kuguha imitungo, ibyo kuba ari ikigo cya BK cyatangiye mu 2016 si ikibazo kuri we, ni BK ayijyanyemo.

IGIHE : Uyu munsi muri rusange BKGI ihagaze ite ugereranyije n’ibindi bigo?

Bahizi : Uyu munsi uko duhagaze, igikorwa cy’ubucuruzi cyatunanira kucyishingira nta kindi kigo cyagifata muri iri soko ryacu. Tugendeye ku buryo bw’ingano y’ubushobozi, keretse habaye ko kitatunaniye kubera ubushobozi, ahubwo twanze kwigerekaho urusyo, ugasanga harimo ibyago byinshi.

Cyokoze icyiza ni uko umwishingizi azana igikorwa cye, tukaba twafata igice kimwe dushobora kwishingira, ikindi tukagiha abishingira abishingizi (reinsurers), nabo basanga bibarenze bagafata igice kimwe ikindi bakagiha ababarenzeho (retrocessionaires), ni uruhererekane, buri muntu afata ibingana n’ubushobozi bwe, umuntu yagira ibyago wowe ugahita umwishyura, tugasigara tubarana n’abandi.

IGIHE: Imari shingiro ubu irangana ite?

Bahizi: Uyu mwaka nurangira ishobora kwikuba kabiri (ibuvuye kuri miliyari 5 Frw) kubera ayo twunguka agenda ajyaho. Niba ayo tumaze kunguka amaze kurenga miliyari 3 Frw, ukongeraho ayo twatangiranye, urumva ko amaze kuba menshi.

Kuva ku mwaka wa mbere twakoraga inyungu, iyo nyungu ikiyongera kuri ya mari shingiro. Noneho ibyo bikongera ko abanyamigabane bacu bishoboye, n’iyo nyungu dukora umwaka ku wundi ntibayidusaba mu nyungu ku migabane, baravuga bati turashaka ko mukomeza gukora mukiyubaka, mukagira n’ingufu zo gukora n’ibirenzeho.

IGIHE: Ni izihe nyungu mugira zo kuba muri BK Group Plc?

Bahizi : Twebwe abakozi tubabwira ko tutagomba kwibara nk’abakozi b’ikigo kikiri gito, kuko turi Banki ya Kigali. Nta mahirwe yo kuvuga ngo turacyari bato kuko rimwe na rimwe bikwemerera gukora amakosa runaka, ariko ibyo ntabwo bigomba kutubaho kuko uba uzi ko ikosa ryo muri BK Insurance ryagira ingaruka kuri banki yose.

Ibyo bituma ukora byinshi, binini kandi byihuse, n’uwari uje akeka ko aje mu kigo kitamaze igihe, yabona uburyo dukora, uburyo tumwakiriye, tumuha serivisi, ubushobozi tubikoramo, abakozi bakoramo ubushobozi bafite n’aho bikorerwa [akarushaho kutwizera.]

IGIHE: Mwinjira ku isoko ry’ubwishingizi ryari rihagaze rite?

Bahizi: Aho sosiyete ya Banki ya Kigali yinjiriye mu isoko, urwego rw’ubwishingizi ntirwari rumeze neza, cyane cyane mu bijyanye no kwishyura uwishinganishije igihe agize ibyago. Hari hashize imyaka myinshi amasosiyete y’ubwishingizi adakora neza kubera ibiciro bitoya, kubera imikorere idafite ubwumvikane buhagije ngo amasosiyete akorane, akosore ibintu bimwe na bimwe, bituma amafaranga yari afite agenda agabanuka cyane, hari n’izagiye zohomba.

Kuko amafaranga yari make rero ku isoko ry’ubwishingizi, gutanga serivisi biba bibi. Burya hari utanga serivisi mbi kubera imikorere mibi, ariko hari no gutanga imbi kubera ko udashoboye gutanga inziza. Icyo gihe ibigo ntibyari bishoboye gusubiza ibibazo by’abakiliya kubera ko amafaranga yari make.

Abakiriya rero baritotombaga cyane ku isoko. Twebwe rero turijemo kubera ko dusanze hari icyo kibazo, turavuga tuti, icyo tugomba gushyira imbere ni ugutanga serivisi. Hari nubwo twifuzaga ko abakiliya bacu hari abagira ibibazo, kugira ngo tubereke icyo dushoboye.

Hari abagize ibibazo kubera ko mu bwishingizi bibaho, impanuka ziraba, imitungo yawe irashya, tuba dufite uburyo bwo kuvuga ngo twerekane ikinyuranyo muri iri soko. Dutungura abatugana baduhaye imitungo, abo dukorana nk’amagaraji akora imodoka z’abakiliya bacu.

Abakiliya bacu twabahaye serivisi nziza, ariko n’amagaraji yajyaga akora imodoka akamara umwaka, ibiri, itatu cyangwa itanu atishyurwa kubera ko ubwishingizi budafite amafaranga. Twebwe rero amagaraji yatwoherereza fagitire, ejo amafaranga yabo bayabona kuri konti, bakavuga ngo iki ni igitangaza! Twari twaranakoze uburyo ku wa Gatanu guhera saa cyenda, tuti ‘muhamagare amagaraji yakoze imodoka z’abakiliya bacu, mubabaze ngo ko mutatwishyuza? Muze tubishyure.’ Abaduhaye fagitire tukabishyura ako kanya.

Bati ‘ntaho byabaye mu mateka y’u Rwanda ko umuntu waguzeho ubwishingizi aguhamagara ngo ngwino tukwishyure, ariko twari ruzi icyo turimo gukora, kugeza ku rwego amagaraje yageze aho atubera abamenyekanishabikorwa tutabizi.

Byatumye abakiliya batugana ku gipimo gikubye inshuro zirenze n’eshanu izo twatekerezaga ko bazajya batugana. Ikindi ni uko mu bakiliya wakira, ugomba kureba ibishinganishwa, ibifite ibyago byinshi ukabiha ibiciro binini, ibyo ubona bimeze neza ukabiha ibiciro bigereranyije bijyanye n’ibyago bingana, kugira ngo amafaranga wakiriye atagendera mu kwishyira abishinganishije gusa.

IGIHE: Kuki umubare w’abantu bafite ubwishingizi ukomeza kuba muto?

Bahizi Urebye mu mpamvu abantu badafata ubwishingizi, harimo ubushobozi bwo gufata ubwishingizi, kuko urebye abanyarwanda basigarana amafaranga make cyane, abandi ntibayasigarane. Ubundi rero iyo umuntu afite amafaranga make, ahera ku bitegetswe, agakora bimwe wabura ntubeho, ukabona kujya ku bindi bimwe ukora ku mahitamo.

Urumva ko ubwishingizi butaza muri bimwe bibanza. Birasaba ko rero n’ubushobozi bw’abantu buzamuka, ugakora ibitegetswe, ugakora bimwe ubura ntubeho, nyuma ukagira amahitamo n’ibindi nk’ubwishingizi. Ariko ibyo bizaza uko ubukungu bugenda bukura.

Ikindi ni ukongera ubumenyi mu bijyanye na serivisi z’imari, abantu bakamenya ko ubwishingizi bushobora kubagirira akamaro. Ubona ko hari abantu bafata ko ubwishingizi ari ibintu by’abakire. Icyo gihe rero bisaba ko ugenda wigisha buri wese ko ubwishingizi umuntu yabufata.

Ikindi ni ikiguzi cy’ubwishingizi gishobora gutuma hari abantu badafata ubwishingizi. Tugomba rero kureba ukuntu twahuza ibyo byose. Tugomba kureba ko dukomeza kuzana ubwoko bunyuranye bw’ubwishingizi bubereye abantu, buza bwiyongera ku busanzwe, ariko n’ikiguzi cyabwo kikaba gishoboka.

N’uburyo bwo kubugeza ku ntu bukarebwa, umurongo wo kugera kuri ubw bwishingizi uborohere, kandi nta kuntu ushobora gukora ibyo bintu udakoresheje ikoranabuhanga.

IGIHE: Impinduka ziheruka gukorwa mu biciro by’ubwishingizi hari umusaruro zazanye?

Bahizi: Byarahindutse. Twebwe tugitangira ubwishingizi mu 2016, ihuriro ry’abishingizi ryatubwiraga ko ryahombaga miliyari 50 Frw ku mwaka, ibigo byose biteranyije. Wareba icyo gihombo, ibice binini, ibyateraga ibihombo binini byari bibiri: ubwishingizi bw’imodoka n’ubw’ubuvuzi.

Kandi icyatumaga binaba bibi cyane ni uko izo nzego nizo nini mu bifatirwa ubwishingizi. Habanza imodoka zifata hejuru ya 60% hagakurikiraho ubuvuzi. Niba rero ibinini aribyo bigize ibibazo, ubwo urwego ruba rwapfuye. Ubu imibare yo guhera mu 2018 yerekana ko icyo gihombo cyagabanutse cyane, ubu kiracyarimo ariko gitoya, amasosiyete atangiye kunguka, ariko ubona ko n’inzira iri mu murongo.

Burya n’abafata ubwishingizi barungutse kuko niba imodoka yawe yagiraga ikibazo ikamara ukwezi mu igaraji idakorwa kubera ko igaraji niriyikora ritazishyurwa, ubwo muri uko kwezi se wowe ntiwabaga ukodesheje indi ukayitangaho amafaranga, cyangwa ntiwabaga ufite ibindi ukora umunsi ku wundi?

IGIHE: Hakunze kuvugwa amategeko agenga ubwishingizi mu Rwanda akeneye kuvugururwa. Uyu munsi bihagaze bite?

Bahizi: Amafaranga atangwa ku muntu wagonzwe dufite ni menshi kurusha ahandi, uwagonzwe n’abamukomokaho, n’aho akomokaho, bagenerwa ibintu byinshi cyane bidafite icyo bipfana n’amafaranga umuntu yatanze ashinganisha ikinyabiziga.

Hari urubanza rwaciwe n’urukiko rw’Ikirenga ruvuga ko amafaranga y’umubyizi ku muntu utari ufite umushahara (ufite umushahara hashingirwa ku wo yari agezeho), kandi dusanga 90% by’abagirwaho ingaruka n’impanuka, ni abantu badakorera umushahara.

Umubyizi rero ku munsi, uwukuba n’iminsi y’akazi, ugakuba n’ukwezi, warangiza niba umuntu yapfuye, ugakuba ukageza igihe umuntu yakagiriye imyaka 65 yo kujya mu kiruhuko cy’izabukuru. Hari ibintu bitumvikana, kuko ntabwo bivuze ko umuntu akora kugeza ku myaka 65. Twebwe se turi mu kazi ntihari igihe uba adafite akazi?

Ikindi nk’umuntu ukora amabuye y’agaciro cyangwa atwara igare, hari imyaka umuntu ashobora kugeza atakiyikora. Ikindi ariya mafaranga 3000 Frw, bivuze ko umuntu waba akorera amafaranga make mu Rwanda yaba mu kwezi akorera hafi 100 000 Frw. Ubu se niyo mushahara muke dufite?

Kandi ayo uyakoresha umubarira imperekeza, ukaziha uwo bashakanye, ukaziha abana, ukaziha n’abo bavukana. Wibuke rero imiryango y’abanyarwanda, uretse uyu munsi ariko hambere abanyarwanda babyaraga abana benshi. Niho ingorane iba cyane. […] Ubwo ibyo bigo by’bwishingizi bwakora bite? Twebwe rero tukavuga tuti nubwo twongereye imisanzu, ni ngombwa ngo ayo mafaranga atangwa ariko bibarwe mu buryo bukwiye.

IGIHE Hari igitekerezo ko n’ibiciro by’ubwishingizi bw’ubuvuzi bizazamuka?

Bahizi : Bizahinduka, si ubwishingizi bw’ubuvuzi gusa ahubwo hari inyigo twashyizeho, abahanga barimo kubara, inyigo y’ubwishingizi butari ubw’ibinyabiziga igeze kumusozo, iy’ubuvuzi irenda gutangira, nitumara kubona amaraporo abigaragaza hazabaho inzira yo kugaragaza ibikwiye guhinduka n’ibikwiye gusigara. Kandi ni ibintu bizahoraho.

IGIHE : Ni iki muteganyiriza abakiliya mu gihe kiri imbere ?

Bahizi : Intego ni uko umukiliya wacu yishimira ibyo twamuhaye n’uburyo twabimuhayemo, ariyo mpamvu tugomba kujya mu ikoranabuhanga kugira ngo tumuhe serivisi nziza. Ariko n’uburyo twayimuhayemo bube bunoze, kuko bizatuma tugira abakiliya benshi, bitume tununguka.

Mu myaka itanu tuzatangira umwaka utaha, n’ubundi ikiri ku isonga kizaba ari serivisi ku mukiliya, inoze, ikoreshejwe ikoranabuhanga, ariko noneho no kureba uko dutanga ubwishingizi ku bantu batari bari mu bwishingizi.

Ikindi ni uburyo umuntu ashobora gukoresha telefoni ye akatugeraho, ugize impanuka agafata telefoni akatwereka imodoka ye aho ari niba ari i Rusizi, akohereza tukabibona ku ikoranabuhanga ryacu, tugatangira inzira yo kumukoreshereza imodoka mu igaraji riri i Rusizi.

Turashaka kugirana amasezerano n’amagaraji hose mu gihugu, ku buryo aho wagirira impanuka, si ngombwa ko uza mu igaraji iri i Gikondo. Niba uyigize uri i Nyagatare se ubwo bizagusaba imodoka yo kuyikorera iyizane i Kigali ?

Ubwo Alex Bahizi uyobora BKGI yavugaga ijambo mu muhango wo kuyimurika ku mugaragaro, ku wa 17 Werurwe 2017
Umuyobozi Mukuru wa BKGI, Alex Bahizi
Icyicaro gikuru cya BK General Insurance mu Mujyi wa Kigali

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