Ishyirahamwe ry’Ibigo by’Imari mu Rwanda (AMIR) hamwe n’Ikigo cyorohereza abantu kubona serivisi z’Imari (Access to Finance Rwanda/AFR), ni byo bizayobora ikigega MLF, ku bufatanye n’inzego zirimo Minisiteri y’Imari n’Igenamigambi (MINECOFIN), Banki Nkuru y’u Rwand(BNR) hamwe n’Ikigega cy’Ingwate(BDF).

Impamvu y’iki kigega ngo iraterwa n’uko abagore n’urubyiruko ari bo bibasiwe n’ubukene kuko batabasha kubona igishoro cyo kwikorera, konti zabo mu bigo by’imari na Mobile Money bikaba biriho ubusa, nk’uko bisobanurwa na Jackson Kwikiriza, Umuyobozi Nshingwabikorwa wa AMIR.

Kwikiriza agira ati "Abantu uburyo bizigamira biracyari hasi, ni yo mpamvu ibigo by’imari bigitanga inguzanyo ku nyungu yo hejuru kuko bidafite amafaranga ahagije, hemejwe ko hazashyirwaho ubukangurambaga mu kuzamura ubwizigame haba mu Banyarwanda ubwabo, mu makoperative cyangwa muri ya matsinda ari hirya no hino mu Gihugu."

Ati "Turashaka ko hajyaho ikigega ku rwego rw’Igihugu, noneho hakabaho gushakisha hirya no hino amafaranga ajya mu bigo by’imari, yaba ava mu bashoramari, mu mishinga itandukanye, yaba n’ay’inguzanyo, tukayahuriza hariya noneho bikorohereza ibigo by’imari kubona amafaranga ahendutse."

Inyigo yakozwe na AMIR muri 2024 igaragaza ko abagore bafite konti muri banki cyangwa mu bigo by’imari bito ari 2,793,004, ariko ababashije gusaba inguzanyo ari 261,191.

Bivuze ko konti z’abagore barenga miliyoni 2 n’ibihumbi 500 zafunguwe ariko ntizijyeho amafaranga, cyangwa akaba anyuzwaho gusa bahita bayabikuza.

Birajyana n’uko Abaturarwanda hafi miliyoni 7(miliyoni 6.9) bafite konti za Mobile Money/Airtel Money, bakaba bazikoresha banyuzaho amafaranga ariko ntawe ubasha kuyabika kuri Mocash, nk’uko inyigo ya AMIR ikomeza ibigaragaza.

Abafite konti ziriho ubusa barimo Dusabe Clementine ucuruza imboga mu Mujyi wa Kigali, avuga ko yifuje kwagura igishoro cye kuva mu myaka 10 ishize, kikava ku bihumbi 100Frw ariko ngo byaramunaniye, nyamara afite amahirwe yo kubona inguzanyo muri banki.

Dusabe w’imyaka 45 y’amavuko, yaganiriye na Kigali Today agira ati "Mfite konti ebyiri muri banki no muri SACCO ariko sinjya mbona amafaranga yo kuzibitsaho, kuko inyungu mbona nyishyira mu kimina, ikaba ari yo nkoresha mu rugo mu kubona icyo ngaburira abana no kubishyurira ishuri."

Dusabe avuga ko afite icyangombwa cy’ubutaka yajyana muri banki kikamubera ingwate, ariko ngo harabura umuntu umutera imbaraga zo kujya gushaka igishoro cyo kwagura ubucuruzi bwe.

Mu zindi mpamvu Ishyirahamwe ry’Ibigo by’Imari rivuga ko zitera abagore n’urubyiruko kutabona igishoro, harimo kubura ingwate, abo bigaragara ko ntaho yigeze atunga amafaranga menshi kandi nta cyizere cy’uko azacunga neza inguzanyo mu gihe yaba ayihawe, cyane cyane urubyiruko kuko badatura ahantu hamwe.

Hari n’ikibazo cy’uko abagore n’urubyiruko bari mu buhinzi, abenshi ngo badashobora kubona inguzanyo bitewe n’uko ibyo bahinga nta cyizere kiba gihari cy’uko bizera, kandi n’iyo byeze bidatanga amafaranga mu buryo buhoraho.

Hari n’abo AMIR ivuga ko batagira konti muri banki ndetse n’abatazi gusoma no kwandika (batazi gukoresha ikoranabuhanga mu by’imari).

Ku kibazo cyo kutabona ingwate, ikigega BDF cyizeza ko muri uyu mwaka hazaboneka igera kuri miliyari 30Frw, kigasaba imirenge SACCO gushishikariza abanyamuryango bahombejwe na COVID-19 gusaba inguzanyo yo kwiteza imbere bashingiye kuri iyo ngwate.

Hirya no hino mu Gihugu harabarurwa ibigo by’imari byiganjemo imirenge SACCO bigera kuri 457.

Umuyobozi Mukuru muri MINECOFIN ushinzwe Urwego rw’Amabanki n’ibindi bigo, Cyrille Hategekimana, avuga ko ubukangurambaga busaba abagore n’urubyiruko gufata inguzanyo, buzibanda ku bafite imishinga mito n’iciriritse muri iyi myaka itanu ya gahunda ya Guverinoma (NST2).