Menya ibituma hari inguzanyo zitangwa n’ibigo by’imari zitishyurwa

Yanditswe na

Ernestine Musanabera

19-05-2025 - 21:45' | Ibitekerezo ( )

Bimwe mu byagaragarijwe Abasenateri bagize Komisiyo y’Iterambere n’Imari, kuri uyu wa Mbere tariki 19 Gicurasi 2025, mu biganiro no kungurana ibitekerezo na BNR, RDB, RBA, AMIR, na ADECOR ku ngamba zo gukumira kutishyura neza inguzanyo zitangwa n’ibigo by’imari, ni imikoranire itanoze hagati y’ibigo by’imari n’abakiriya babyo.

Abadepite baganiriye n'abakuriye ibigo by'imari ku nguzanyo zitishyurwa

Mu biganiro hagaragajwe uburyo Banki itanga inguzanyo ariko ntikurikirane uburyo ikoreshwa, niba uwayihawe atahuye n’ikibazo runaka bikaba byatuma atishyura uko bikwiriye.

Jackson Kwikiriza, umuyobozi w’ihuriro ry’ibigo by’imari biciriritse mu Rwanda (AMIR), avuga ko akenshi igihombo cyo kutishyura inguzanyo neza bituruka ku kuba abaka inguzanyo batayikoresha neza, ndetse hari bamwe bayikoresha icyo batayisabiye bigatuma bagwa mu gihombo.

Ati “Ikindi ni ukuba umukiriya atize umushinga neza, ndabaha urugero nk’urw’umushinga w’ubuhinzi usanga bashobora guhombywa n’imihindagurikire y’ibihe, ugasanga arahombye ntabashe kwishyura umwenda”.

Ikindi yagaragaje ni uko usanga Banki na yo ikurikirana umukiriya igihe yabuze ubwishyu, nyamara itarigeze imukurikirana ngo imenye neza niba inguzanyo yahawe ayikoresha icyo yayisabiye cyangwa ibyo yayisabiye bimwungura, ahubwo ugasanga banki ihagurutse igiye guteza cyamunara.

Kwikiriza avuga ko hari hakwiye kubaho imikoranire ya bugufi ku buryo uwahawe inguzanyo harebwa niba anayikoresha uko bikwiriye.

Indi mpamvu yagaragajwe ituma inguzanyo itishyurwa ni ukubera ko hari abaka amafaranga bakayajyana mu yindi mishanga itandukanye n’iyo bahaye banki, bigatuma ahomba bikabaviramo kubatereza cyamunara.

Hari umuntu utishyura bitamuturutseho bitewe n’impamvu nanone y’imihindagurikire ku isoko.

Ati “Ese wa muntu wahawe inguzanyo hakabaho nk’icyorezo gituma adakora, urugero nka Covid-19, uwo muntu azabigenza ate?

Gusa abayobozi b’ibigo by’imari bagaragaje ko hari n’abafata inguzanyo muri za Banki zitandukanye, hagenzurwa bagasanga yishyura neza agahabwa izo nguzanyo hashira igihe gito akazisanga yaragize inguzanyo y’umurengera atabasha kwishyura, bikarangira aterejwe cyamunara.

Umuyobozi w’Ishami rishinzwe ubusesenguzi bw’Urwego rw’Imari muri Banki Nkuru y’Igihugu, BNR, Murezi Ferdinand, yagaragaje ko kugeza mu 2024, hagaragaraga inguzanyo z’arenga Miliyari 573Frw zasibwe mu bitabo by’ibaruramari by’amabanki kubera kutishyurwa.

BNR igaragaza ko inguzanyo zitishyurwa neza mu mabanki yo mu Rwanda mu 2023/2024, zageze kuri Miliyari 267Frw, bingana na 5%.

Kubera kutishyura neza imyenda, ndetse hari ubwo banki iyo ibonye imaze igihe inguzanyo yatanzwe itishyurwa ihitamo kuyisiba mu bitabo by’ibaruramari, ariko igakomeza kuyikurikirana nk’uko byasobanuwe n’Umuyobozi w’Ishami rishinzwe ubusesenguzi bw’Urwego rw’Imari muri Banki Nkuru y’Igihugu, BNR, Murezi Ferdinand.

Murezi yavuze ko kenshi zisibwa mu bitabo by’inguzanyo kubera ko kuzishyura byananiranye, bigasaba ko byifashisha amafaranga y’inyungu mu kuziba icyuho kiba cyagaragaye.

Muri ibi biganiro hatanzwe inama y’uburyo abakiriya ba banki bakoroherezwa, harimo kwigisha abafata inguzanyo uburyo bwo kuyikoresha neza no kumenya ingaruka zo kutubahiriza amasezerano, no kunoza imikoranire hagati y’ibigo by’imari n’abakiriya, harimo no gutanga amakuru mu rurimi bumva kugira ngo abafata inguzanyo babanze kumenya ibikubiye mu masezerano.