Amananiza y’ibigo by’imari atuma abaturage bigira mubimina

Impuguke mubukungu zagaragaje ko impamvu umubare munini w’abizigamira mu Rwanda bakoresha uburyo butagenzurwa na Banki nkuru biterwa n’uko ibigo by’imari bidashyiraho uburyo bureshya abaturage kuza kubizigamamo.  Abaturage bo basanga ibigo by’imari bikwiye gushyiraho uburyo bworoshye bwatuma umuturage yizigamira ahereye kumafaranga macye ashoboka uhereye kugiceri cy’ijana.

Raporo y’Ubushakashatsi bw’urwego rw’imari mu Rwanda Finscope 2020  igaragaza ko 86% by’abagejeje igihe cyo gukora bazigamira , ariko Bankiri nkuru ikagaragaza ko benshi mubizigamira bangana na 64% bakoresha uburyo itagenzura  nk’ibimana,  kuyabika mu rugo ,nubundi buryo bigoye kugenzura. Impuguke mubukungu zigaragza ko imyitwarire y’ibigo by’imari mu Rwanda  ariyo isunikira benshi mubaturage kwizigamira bakoresheje uburyo Banki nkru itagenzura. Straton Habyalimana impuguke mubukungu arabisobanura.

Ati “Akenshi usanga abantu bashaka kuzigama ahantu amafaranga yabo bayageraho bitabagoye convenience abandi bagashaka ahantu bazigama kugirango amafaranga yabo azabyare umusaruro ariko ibyo sinabitindaho ariko ikintu bita convenience nibyo bituma abantu bajya muri bya bimina n’ahandi hatagenzurwa na BNR kubera iki aravuga ati hahantu ninkenera amafaranga ndagenda nyabone nta kindi binsabye ni urugero ndi kuguha niba wenda ubikuje amafaranga arenze ibihumbi 30 uratanga amafaranga y’igihano kubera ko wabikuje wenda ukoresheje guichet ubwo biragusaba gukoresha ikarita nujya gukoresha ikarita hari udufaranga nyine uzatanga kugirango ubone ya karita ayo ni amafaranga ari kugenda umuturage arayabara”.

Kuruhande rw’abaturage nabo hari impamvu bagaragza zituma benshi bizigamira bakoresheje uburyo butagenzurwa na Banki nkuru y’u Rwanda.

Umwe ati“ Biterwa n’akazi waba ufite nonese wakwitabira ibigo by’imari gute niba ninjiza 500 ni urugero wenda reka niriremo 400 si ijana rya mituyu risigaye noneho muri iyi covid ushobora no gutaha aruia ayo wabonye”.

Undi ati “ Buriya kuzigama ukoresheje uburyo gakondo ni ubujiji usanga batarasobanukirwa ibyo kwizigamira mubigo by’imari.”

Bimwe mubigo by’imari byo bigaragza ko uburyo bwo kwizigamira butangenzurwa na banki nkuru,butoza abaturage kugira umuco wo kwizagamira bito bakazagana  ibigo by’imari barawutoye.  icyakora bakwiye gukomeza  kwigishwa ibyiza byo gukorana n’ibigo by’imari Nkuranga Aimable uyobora ihuriro ry’ibigo by’imari iciririitse AMIR.

Ati “ Ubwo buryo wavugaga busa naho ari gakondo hari aho ubiona bugira uruhare mu gutoza abantu kuzigama iyo ufasha nk’aya matsinda yo kuzigama no kugurizanya abantu bigiramo amasomo abafasha gukoresha neza amafaranga yabo bakiha intego bakayizigamira bakazayigeraho bakazaza mu kigo cy’imari baramaze gufata discipline.”

Ingaruka ni nyinshi mugihe benshi mubaturage baba bakomeje kwizigamira bakoresheje uburyo butagenzurwa na Banki nkuru.

Ati “ Burya banki icyo zidufasha nio ibyo bita mu ndimi z’amahanga intermediation ni ukuvuga ya mafaranga yawe wazigamye banki zirayafata zikayaha wa muntu uyashaka akayazunguza akazayagarura ni ukuvuga ngo ishoramari ntabwo rishobora kugerwaho kuko rikorwa n’amafaranga abantu bizigamye”.

Banki nkuru igaragaza ko ikifuzo cyuko amafaranga abaturarwanda bizigamira yagera kuri 80% by’umusaruro mbumbe w’igihugukandi ko igasaba abaturage kwizigamira bakoresheje ibigo by’imari . Kimenyi Valens Impuguke mubukungu akaba ni umukozi wa  Banki nkuru y’u Rwanda aganira n’itangazamakuru rya Leta.

Ati “ 80% byadufasha nk’igihugu byadufasha mu ishoramari kuko dufite ibintu byinshi infrastructure dushaka kw’invesitingamo ibyo byose byakorwa ari uko habaye ubwizigame banki nkuru ifite department ishinzwe kurengera abaguzi ba serivise z’imari”.

Kugeza ubu ikigero cyo kuzigama mu Rwanda kigeze  kuri 13% by’umusaruro mbumbe w’igihugu

Igihugu gifite intego yo kuzamura ikigero cyo kuzigama kikagera kuri 20% bitarenze 2024, ku buryo bizafasha igihugu gushora imari ku kigero cya  30%  by’umusaruro mbumbe w’igihugu.