Banki Nkuru y’u Rwanda itangaza ko kugeza ubu abantu ku giti cyabo ndetse n’ibigo 40 batakira amafaranga abitswa abitswa, ari bo bemerewe gutanga serivisi z’imari zirimo no kubaha inguzanyo.

BNR ivuga ko kwemerera ibigo n’abantu ku giti cyabo gutanga izi serivisi, byakozwe mu rwego rwo kurwanya no guca abaturage bacuruzaga amafaranga batanga inguzanyo mu buryo butemewe n’amategeko kandi ku nyungu y’umurengera, ibyo abantu bazi nka ‘Banki Lamberi’.

Umuyobozi ushinzwe kugenzura imyitwarire y’ibigo by’imari muri Banki Nkuru y’u Rwanda, Gerard Nsabimana, avuga ko kugeza mu mpera z’iki gihembwe, hamaze kubarurwa abantu n’ibigo bigera muri 40 byemerewe gutanga izo serivisi.

Ati “Tumaze kubarura ibigo bigera hafi muri 40, kandi turabona ko inguzanyo zitangwa zigenda ziyongera”.

N’ubwo bimeze bityo ariko, hari abantu ku giti cyabo bagitanga inguzanyo mu buryo butemewe n’amategeko (Banki Lamberi), ndetse na Banki Nkuru y’u Rwanda irabizi ko bahari.

Nsabimana agaragaza ko hajya gutekerezwa ubu buryo bwo kwemerera abantu gutanga inguzanyo ariko batakira amafaranga abitswa, bwari uburyo bwo guca aba bakora banki lamberi, kuko hanabanje gukorwa ubushakashatsi ku mpamvu itera abantu kugana banki lamberi ari benshi.

Agira ati “Impamvu abantu bagaragazaga cyane, bavugaga ko iyo umuntu akeneye inguzanyo muri banki atinda kuyibona, ariko abaguriza kuri banki lamberi bakabyihutisha. Bariya bakora mu buryo butemewe bazana n’ibindi bibazo murabizi, aho afata nk’inzu y’umuntu bakavuga ngo barayiguze n’ibindi”.

Banki Nkuru y’u Rwanda ivuga ko izakomeza ubukangurambaga no kwigisha abaturage ko mu gihe bakeneye inguzanyo bakwegera ibigo bizwi cyangwa se abantu babiherewe uburenganzira, ndetse no kwigisha abagikora banki lamberi ko hari amabwiriza abigenga bakwiye kwegera BNR bagahabwa uburenganzira bwo kubikora.

Nsabimana ati “Ushaka kubikora mu buryo buzwi waza ugasaba uburenganzira, ariko abagumya kubikora mu buryo butemewe bo, twigisha abaturage na bo tukabigisha, ariko tugafatanya na Polisi na RIB kugira ngo babihanirwe n’amategeko”.

Kigali Today yavuganye n’umwe mu bahawe uburengenzira bwo gutanga izi serivisi, ufite Kompanyi yitwa ‘Iwacu Finance’. Avuga ko uburyo batangamo serivisi z’imari cyane cyane inguzanyo, bugendera ku biteganywa n’amabwiriza ya Banki Nkuru y’u Rwanda.

Akomeza avuga ko ubu ari uburyo bwo gukora bizinesi nk’ubundi, ariko ko ababyitiranya no gukora ‘Banki Lamberi’ mu buryo bwemewe atari byo.

Ati “Kereka wenda abahabwa ubwo burenganzira bwo kubikora ari bo bashatse kubifata nka lamberi, ariko ubundi ubu ni uburyo BNR yashyizeho bwo gufasha abantu bagorwaga no gukorana n’ibigo by’imari bakabasha kubona amafaranga bakeneye”.

Ku birebana n’inguzanyo zitangwa ndetse n’inyungu, yavuze ko utanga amafaranga ari we ugena inyungu asaba abamugana, ariko nanone akagendera ku bujyanama bahora bahabwa na Banki Nkuru y’u Rwanda.

Ati “Urumva uramutse utanga ku nyungu iri hejuru cyane, bigora abo mukorana ku kwishyura kandi ugasanga ntabwo abantu bakugana”.

Afatiye urugero kuri ‘Iwacu Finance’, avuga ko bo batanga inguzanyo z’igihe gitoya, ku buryo ku kwezi bo basaba inyungu ya 3%, bivuzeko ubwo ari 36% ku mwaka.

Ni nde wemerewe gutanga serivisi z’imari atakira amafaranga abitswa?

Amabwiriza ya BNR No 65/2023 yo ku wa 25/04/2023 agaragaza ko hari ibyiciro bine by’abashobora gutanga izi serivisi hagendewe ku gishoro cyabo.

Utanga serivisi z’imari utakira amafaranga abitswa ashobora gushinga ikigo cy’ubucuruzi giteye mu buryo bwa sosiyete ya Leta cyangwa y’abikorera, koperative, Ikigo cy’ubufatanye, Fondasiyo cyangwa ubundi bwoko bw’ibigo by’ubucuruzi bwemewe n’amategeko ya Repubulika y’u Rwanda.

Imari shingiro itagibwa munsi yishyuwe ishoboka ku muntu utanga serivisi z’imari utakira amafaranga abitswa, igomba kuba miliyoni 100 z’amafaranga y’u Rwanda ku utanga serivisi z’imari utakira amafaranga abitswa wo mu cyiciro cya mbere, miliyoni 50 ku wo mu cyiciro cya kabiri, ndetse na miliyoni 30 ku wo cyiciro cya gatatu.

Aya mabwiriza kandi avuga ko Ishyirahamwe ryo kuzigama no kugurizanya ryegeranyije nibura imisanzu y’abanyamuryango ingana na miliyoni 500 z’amafaranga y’u Rwanda rishobora gusaba muri Banki Nkuru y’u Rwanda uruhushya rwo gukora nk’utanga serivisi z’imari utakira amafaranga abitswa.

Kigali Today yavuganye n’umwe mu bahawe uburengenzira bwo gutanga izi serivisi ufite Kompanyi yitwa ‘Iwacu Finance’, avuga ko uburyo batangamo serivisi z’imari cyane cyane inguzanyo, bugendera ku biteganywa n’amabwiriza ya Banki Nkuru y’u Rwanda.

Avuga ko ubu ari uburyo bwo gukora bizinesi nk’ubundi, ariko ko ababyitiranya no gukora ‘Banki Lamberi’ mu buryo bwemewe Atari byo.

Ati “Kereka wenda abahabwa ubwo burenganzira bwo kubikora ari bo bashatse kubifata nka lamberi, ariko ubundi ubu ni uburyo BNR yashyizeho bwo gufasha abantu bagorwaga no gukorana n’ibigo by’imari bakabasha kubona amafaranga bakeneye.

Ku birebana n’inguzanyo zitangwa ndetse n’inyungu, yavuze ko utanga amafaranga ari we ugena inyungu asaba abamugana, ariko nanone BNR ikababa hafi mu kubaha ubujyanama.

Ati “Urumva uramutse utanga ku nyungu iri hejuru cyane, bigora abo mukorana ku kwishyura kandi ugasanga ntabwo abantu bakugana”.

Afatiye urugero kuri ‘Iwacu Finance’, avuga ko bo batanga inguzanyo z’igihe gitoya, ku buryo ku kwezi bo basaba inyungu ya 3%, bivuzeko ubwo ari 36% ku mwaka.

MENYA UMWANDITSI

Charles Ruzindana

Umunyamakuru

@ CharlesRUZINDA2

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