Bimwe mu bigo by’imari bisanga urubyiruko rukwiye gutekerezwaho ku buryo bwo guhabwa igishoro cyo gutangira imishinga yaruzamura mu iterambere. Ikigo cy’Imari, ‘Amasezerano Community Banking’ gisanga guha urubyiruko inguzanyo y’ibikoresho bikaba n’ingwate kandi ku rwunguko ruto, byafasha urubyiruko kwivana mu bushomeri.
Iyo uganiriye n’Abanyarwanda batari bacye batari bacye cyane cyane urubyiruko, bakubwira ko kwihangira imirimo bigoye mu gihe igishoro kukibona nabyo bigoye.
Ni ikibazo n’ibigo bimwe by’imari byemeza ko kigikomereye ubukungu bw’igihugu muri rusange.
Icyakora Ikigo cy’Imari ‘Amasezerano Community Banking’ gisanga gutanga inguzanyo y’ibikoresho ku bashaka gutangira imishinga byaba igisubizo, ari nayo mpamvu bahisemo gukora nk’ibi.
Ndayisenga Jean Isaac uyobora ishami ry’imari mu kigo ‘Amasezerano Community Banking’ avuga ko bifuza no kugabanya ubushomeri mu rubyiruko.
Ati “Urubyiruko ni imbaraga z’igihugu, urubyiruko nirwo tubwonamo ejo hazaza. Ni ukuvuga ngo rufashwe nabi, igihugu nacyo kiba kigenda kitagira iterambere… akenshi urubyiruko ntirufite aho rureba; hirya no hino urasanga urubyiruko rudafite icyo rukora. Twebwe twifuje rero kubaremera icyo gukora.
“Ntago dushaka kubona urubyiruko rwicaye, ntabwo dushaka kubona bamwe mu rubyiruko baba mayibobo. Ntago dushaka kubona urubyiruko bamwe bajya gusabiririza, kandi bafite amaboko abiri. Turifuza ko urubyiruko rutera imbere, rugateza n’igihugu imbere, rugateza n’imiryango imbere.”
Yunga muNdayisenga, Moses Rubagumya Umuyobozi ushinzwe ibikorwa mu muryango wa gikirisito wa AEE, uha amahugurwa rumwe mu rubyiruko kugira ngo rwiyungure ubumenyi ku byo rwakora rukivana mu bushomeri, aha arasobanura uko urubyiruko rufashwa nta kiguzi.
Ati “ Urubyiruko barugurire ibikoresho aribyo biba ingwate, bikaba nta yindi ngwate babasaba, kuko ku rubyiruko ni inzitizi ikomeye ituma rutikorera, kubera ko badafite ubushobozi bwo kubona izo ngwate zisabwa mu bigo by’imari, cyangwa se za banki.”
Bamwe mu rubyiruko rwahawe ibikoresho byo kwagura imishinga, rwemeza ko kuba inguzanyo bahawe ari igishoro ku bikoresho bazakoresha, bizaborohereza mu mikorere kandi binabazamure mu rwego rw’ubukungu muri rusange.
Umwe yagize ati “ Ntabwo twari twakabone ubushobozi bwo kwagura kugira ngo tubone ibikoresho bibasha guhaza isoko… tuzinjiza ayarenze ayo twinjizaga kuko hano dufite umuziki, ni ukuvuga ngo ubungubu dushobora no gukora ibiraka bibiri icya rimwe.”
Undi yagize ati “ Nta gishoro kinini twari dufite, igishoro kinini twari dufite cyari ubwenge… twatangiye turi nk’ikimina, tukajya dutanga amafaranga ariko ajya kuri banki ya SACCO, ibindi byaje bitwunganira. Iyo ufite bicye bakakongerera, urushaho gutera imbere no gukomeza gushakisha ngo ukomeze gutera imbere.”
Kugeza ubu imibare yo muri 2017 igaragaza ko bushomeri mu mujyi buri kuri 16%, mu gihe mu cyaro ari 12,6%. Abahinzi bakaba aribo benshi mu Rwanda, bakabakaba 70%.
Yvonne MUREKATETE
