Ati “Banki iba igusaba kugaragaza uko amafaranga azajya aboneka buri munsi, kandi nkanjye abakiriya banjye ni abahinzi baza iyo igihembwe cy’ihinga gitangiye, ubwo bakazongera kugaruka mu gihembwe gitaha”.

Ku rundi ruhande, Alphonse Nshimiyimana, afite ikigo cyitwa ‘Bina Group’ gikora ibintu bitandukanye bikomoka ku musaruro w’ubuhinzi.

Na we agaragaza ko ibigo by’imari ndetse n’amabanki atizera abakora imishinga y’ubuhinzi cyane cyane abo mu kiciro cy’imishinga mito n’iciriritse ndetse n’abo mu cyiciro cy’urubyiruko.

Nshimiyimana ariko avuga ko ibyo byiciro byombi n’ubundi bigoye kwizerwa mu bigo by’imari kugira ngo bibashe guhabwa inguzanyo, kuko ari ibyiciro biba bitaragira ibikorwa byabasha kureshya amabanki n’ibigo by’imari.

Ati “Jyewe ntabwo ndegera bank ingo nsabe amafaranga, ariko jye numvise ko ngomba gukora cyane kuko namaze kubona ko mu buzima busanzwe iyo wakoze banki na zo ziragushaka bitewe n’ibikorwa ufite. Iyo tugenda tubasanga tubasaba amafaranga, ntibakuzi ni ubwa mbere bakubonye, na konti wafunguje nta mafaranga ujya ushyiraho, kukwizera biragoye”.

Ikibazo cy’imishinga y’ubuhinzi cyane cyane iciriritse, yaba iy’abakuze ndetse n’urubyiruko, idahabwa inguzanyo uko bikwiye, gikunze kuvikana hirya no hino mu nzego zitandukanye.

Ku ruhande rw’amabanki, abashinzwe inguzanyo bavuga ko imishinga y’abahinzi iba ikoze nabi ndetse itagaragaza uburyo izishyura inguzanyo, bigatuma banki zitafata icyemezo cyo kuyiguriza amafaranga.

Ku ruhande rw’abahinzi, hari abemera ko koko hari abatazi gutegura imishinga myiza, ariko kandi bakagaragaza ko hari abakozi ba banki badasobanukiwe urwego rw’ubuhinzi,ku buryo bibagora kumva imishinga y’ubuhinzi.

Munyakazi ati “Niba umuntu akorera muri banki akaba yarize icungamari, usanga nta bumenyi buhagije na we afite ku birebana n’ubuhinzi. Ni bake baba bumva neza iby’ubuhinzi ukaba wamusobanurira ntabyumve”.

Ku cyo kuvuga ko hari abahinzi badasobanukiwe ibyo gutegura imishunga yahabwa inguzanyo, Munyakazi agira ati “Umubare munini ni abahinzi batize, baba bafite imbogamizi zo gukora imishinga. Urubyiruko rwize ntirukunda ubuhinzi kandi ni bo bazi gutegura imishinga”.

Ikibazo cy’inguzanyo ku mishanga y’ubuhinzi kiri mu byaganiriweho mu ihuriro ry’Urubyiruko rukora ubuhinzi n’ubworozi rugamije isoko (RYAF), ryabaye kuri uyu wa Kane tariki 22 Kanama 2024, hagamijwe gukemura imbogamizi urubyiruko ruri mu buhinzi rugihura na zo.

Jean Marie Vianney Rwiririza, Umuyobozi Nshingwabikorwa wa RYAF, yagaragaje ko banki zidakwiiriye gufata urubyiruko rwose kimwe, kuko hari abamaze gusobanukirwa neza imishinga yabo y’ubuhinzi, bagahinga bafite amasezerano kandi bakayubahiriza.

Ati “Abongabo bakeneye ibigo by’imari bibaha amafaranga kugira ngo ibyo bakora babyongerere agaciro kandi bakore byinshi ngo bahaze isoko, ariko hari n’abakeneye guherekezwa”.

Banki Nkuru y’u Rwanda na yo yemera ko ikigero cy’inguzanyo zijya mu rwego rw’ubuhinzi kikiri hasi ugereranyije no mu zindi nzego, ariko ko nka Banki Nkuru y’Igihugu hakorwa ibishoboka byose ngo izo mbogamizi zigabanuke.

Guverineri wungirije wa Banki Nkuru y’u Rwanda, Soraya Hakuziyaremye, avuga ko izi mbogamizi zigomba gukemuka binyuze mu gushishikariza abakora ubuhinza kwitabira gahunda y’ubwishingizi bw’ibihingwa, kuko ari byo byaha banki icyizere.

Uyu muyobozi kandi agaragaza umushinga (Commercialization and De-risking for Agricultural Transformation Project - CDAT) witezweho guteza imbere ubuhinzi bugamije ubucuruzi no kugabanya ibibuhungabanya, nka kimwe mu bisubizo byo kuzamura imishinga y’ubuhinzi binyuze mu kuyiha inguzanyo ku nyungu ntoya.

Agira ati “Ntabwo twashishikariza banki gutanga inguzanyo mu rwego tubona ko yahomba. Ubwo bwishingizi ndetse n’ubundi buryo bwo gufasha abanzi kubona inguzanyo ku nyungu nto ni ngombwa, ariko tugakomeza no gufasha abahinzi tubahugura ku mishanga y’ubuhinzi no gucunga imari, hamwe no gukora imishinga itanga icyizere ku mabanki”.

Muri rusange abantu bakora ubuhinzi bugamije amasoko, baba urubyiruko cyangwa abakuru, barashishikarizwa guhinga ari uko bamaze kubona isoko, kuko ari bwo bahinga bakurikije ibikubiye mu masezerano bagiranye n’uwabahaye isoko.

Ku buyobozi bwa RYAF, ibi ngo byatuma hirindwa ibibazo byo guhinga hanyuma umusaruro wamara kuboneka ugsanga abahinzi bataka kubura isoko ryawo.