Sosiyete sivile iraharanira ko imishinga y’urubyiruko yongererwa inkunga

Kigali, Imiryango itegamiye kuri leta mu Rwanda irangajwe imbere na Sosiyete Sivile irasaba inkunga nyinshi mu mishinga iteza imbere urubyiruko mu gihugu kugira ngo hongerwe ibyo Ikigega gishinzwe iterambere ry’ubucuruzi (BDF) gikora bityo bigatuma imirimo myinshi ihangwa 

Ihuriro ry’impuzamiryango ya sosiyete civile mu Rwanda (RCSP) nyuma yo gusuzuma imbogamizi za BDF mu gutanga umusanzu mu gutera inkunga imishinga y’ urubyiruko, ivuga ko ibyavuye mu bikorwa byayo bitaragaragara neza mu rubyiruko.

Imiryango itegamiye kuri leta yasabye ko BDF igomba kwegerezwa abaturage no guhabwa imbaraga ku rwego rw’akarere nyuma yo kugisha inama Minisiteri y’Ubucuruzi na Minisiteri y’Ubutegetsi bw’igihugu, muri ubwo buryo, serivisi za BDF zishobora kuba hafi y’abakiriya.

Ubushakashatsi bwakozwe na Never Again Rwanda (2023) bwerekana ko ubushomeri mu rubyiruko mu Rwanda buri hejuru ya 25,6% mu baturage bafite hagati y’imyaka 16-30 ugereranije n’abantu bakuru (bafite imyaka 31 no hejuru) bari kuri 17.1%. Ibi nubwo bwose urubyiruko rwo mu Rwanda rufatwa nk’ umutungo w’ igihugu w’ ingenzi n’ imbaraga zikomeye z’ iterambere rirambye iyo rihawe imbaraga kandi rikaba rihagije k’ uburyo bw’ amafaranga.

Fred Musiime, Umuyobozi mukuru w’ Ikigo cy’ uburenganzira n’iterambere ry’abaturage (CRD)

Ibarura rusange ry’igihugu riherutse gukorwa ryerekanye ko mu Rwanda akazi ku kigereranyo cy’abaturage mu rubyiruko kangana na 40.3%, kandi kikaba kinini mu bagabo kurusha igitsina gore kuri 44.8% na 36.2%.

Fred Musiime, Umuyobozi mukuru w’ Ikigo cy’ uburenganzira n’iterambere ry’abaturage (CRD) avuga ko  hakiri icyuho cyo gutera inkunga imishinga y’urubyiruko nubwo ifasha benshi kuzamuka mu bukene.

Ati: “Imishinga yo gutera inkunga urubyiruko yagize uruhare runini mu guhindura inzozi z’urubyiruko mu bikorwa. Ibitekerezo by’ umushinga byatejwe imbere, bishyigikirwa kandi bitezwa imbere mu buryo bwo kubona akazi ku rubyiruko. Bamwe mu rubyiruko, umuntu ku giti cye ndetse na bose hamwe, binyuze mu mishinga yatewe inkunga bashoboye gutunga imiryango yabo no kubakura mu bukene bukabije ”.

Mu Rwanda, ubushomeri mu rubyiruko bwagaragaje ko ari ikibazo gikomeye kandi cy’ibice byinshi cyatewe n’impamvu zitandukanye zifitanye isano nk’uburambe buke, ubumenyi budahuye, isoko ry’akazi rihiganwa, ndetse n’ingorane zo kubona inkunga y’amafaranga ku mishinga yabo.

Icyakora, Musiime avuga ko hakiri imbogamizi n’ibyuho mu gutera inkunga iyo mishinga kandi ashishikariza abafatanyabikorwa gukemura iki kibazo; Ati: “Ingengo y’imari idahagije igenerwa imishinga iteza imbere ubukungu bw’urubyiruko kugira ngo umubare w’abagenerwabikorwa ba serivisi z’imari wiyongere, uburyo buke bwo gutanga ibitekerezo mu itsinda ryatoranijwe ku bagenerwabikorwa, cyane cyane ku mishinga imwe n’imwe yatoranijwe, gukurikirana bidahagije, inkunga ihoraho no gutoza urubyiruko rukora imishinga iterwa inkunga bigomba gukemurwa. ”Musiime yongeyeho.

Muri 2015, BDF yafunguye amashami mu gihugu hose hagamijwe gufasha imishinga mito n’iciriritse kubona imari, cyane cyane abadafite ingwate ihagije yo kubona inguzanyo mu bigo by’imari gakondo ku giciro cyiza.

Impapuro z’umuryango utegamiye kuri leta zivuga ko BDF ifite imbogamizi zikomeye z’imikorere zibangamira imikorere yazo mu kugabanya ubushomeri bw’urubyiruko nka 25% ingwate igoye kuri benshi, ndetse n’ikibazo cy’abatanga umushinga wabo kandi ntibakire ibitekerezo.

Vincent Munyenshyaka, Umuyobozi mukuru muri BDF avuga ko bateye intambwe igaragara mu gutera inkunga imishinga y’urubyiruko ikorana na SACCOs n’amabanki mu rwego rwo kurushaho kumenyekanisha no kubona amafaranga.

Munyeshyaka yagize ati: “BDF ikorana na SACCOs zirenga 300 n’amabanki umunani hirya no hino mu rwego rwo guha inguzanyo imishinga ishobora kuba ifite abantu badafite ingwate, kandi BDF ibaha ingwate”.

Vincent Munyenshyaka, Umuyobozi mukuru muri BDF

Usibye ibibazo by’ingutu urubyiruko rudafite ubumenyi mu bucuruzi mu bucuruzi, ni ngombwa ko BDF ibanza gusuzuma neza ibibazo byo kwanga imishinga ya banki, kutamenya kuri BDF muri rusange, ku bicuruzwa byayo no gutanga inkunga.

Madamu Joy Murekatete ni nyiri JOTETE INVESTMENT LTD isosiyete ikora imirimo myinshi yashinzwe mu 2013 itanga serivisi z’ indabyo  mu rwego rwo kwakira abashyitsi ndetse n’abandi bakiriya.

Iyi sosiyete icuruza indabyo mu mpeshyi  zikuye mu karere ka Rulindo  ndetse ikanazohereza hanze. Vuba aha, iyi sosiyete yacitse intege, nyuma y’icyorezo cya Covid-19. Ibi byatumye yirukana bamwe mu bakozi bayo.

Murekatete yasabye inkunga y’amafaranga mu kigega cya ba rwiyemezamirimo bakiri bato, kugira ngo yongere ubucuruzi bwe. Yahawe miliyoni 5 z’amafaranga y’u Rwanda (USD 5,000), ubucuruzi bwe buragenda neza. Ubu akoresha abakozi barenga 33 bahoraho hamwe n’ abakozi barenga 208 b’ igihe gito.

Guverinoma y’u Rwanda yashyize ingufu mu guteza imbere kwihangira imirimo mu rubyiruko, igamije kugabanya ubushomeri mu rubyiruko.

Muri ibyo bikorwa harimo gushyiraho Inama y’igihugu y’urubyiruko, ishinzwe korohereza no gushishikariza urubyiruko kugira uruhare rugaragara mu iterambere ry’ubukungu  no guhindura sosiyete.

Byongeye kandi, Politiki y’igihugu y’urubyiruko yashyizwe mu bikorwa, yibanda ku gushyigikira no gushishikariza guteza imbere ubumenyi bukoreshwa mu rubyiruko mu gihe hagenda hagaragara impinduka nziza mu myumvire ku kazi.

Ingamba z’igihugu zo guhindura ibintu zigaragaza icya mbere  gushyiraho akazi keza kandi gatanga umusaruro ku bantu miliyoni 1.5, urubyiruko rurimo.

Guverinoma yashyizeho kandi uburyo bwo gutera inkunga burenze BDF yagenewe gutanga ubufasha bw’amafaranga mu mishinga ya ba rwiyemezamirimo b’urubyiruko nka, Koperative yo kuzigama no gutanga inguzanyo (SACCOs), Serivisi ishinzwe iterambere ry’ubucuruzi, na gahunda ya NEP Kora Wigire n’ibindi.

Hatitawe ku cyerekezo gifatika, politiki n’ibikorwa bya politiki bya guverinoma y’u Rwanda bijyanye no gukumira ubushomeri mu rubyiruko, amakuru yakusanyijwe yerekanye ko ubushomeri bukomeje kubaho.

Amani Ntakandi

Amahoronews.com