Nubwo ahenshi usanga abahinzi n’aborozi bakora neza, ariko si benshi bagira igenamigambi, kugira ngo bibafashe kumenya ko bashobora kuzakenera amafaranga ya banki, kugera igihe bageze aho bananiwe gukomeza gukora imirimo y’ubuhinzi bwabo, bakaba aribwo batekereza kuyigana (banki) kugira ngo ibagoboke.

Icyo gihe iyo umuhinzi ageze muri Banki, ntacyo bimufasha kuko aba atazi neza ibyo yashoye n’ibyo yungutse, cyangwa akaba abizi ariko adafite aho byanditse, byose bikiyongera ku kuba nta ngwate afite, nta n’ubwishyu buhagije bitewe n’uko aba agikora ubuhinzi mu buryo bwa gakondo.

Ibyo ni bimwe mu byo Banki ya Kigali na BK Foundation bagendeyeho batekereza uko bakora gahunda ishobora gufasha abahinzi n’aborozi, bigishwa gukora igenamigambi no gukora ubuhinzi mu buryo bwa kinyamwuga, bazi gukoresha ifumbire, kurwanya ibyonnyi n’ibindi bishobora kubafasha kugira umusaruro, banahuzwe n’amasoko.

BK nk’ikigo cy’imari isanzwe gitanga inguzanyo ku bahinzi n’abandi bari muri urwo rusobe wakwita ko ari banini, kuko bakoranaga n’abafite inganda, mu gihe BK Foundation ari ikigo kidashingiye ku nyungu, kuko gisanzwe gikora ibikorwa bitandukanye, byibanda ku guhugura Abanyarwanda bari mu byiciro bitandukanye bibanda cyane ku bagore n’urubyiruko, bakabaha ubumenyi bubafasha kwiteza imbere.

Umuyobozi w’Ishami rishinzwe ubuhinzi n’ubworozi muri BK, Alex Bizimana, avuga ko bari basanzwe bakorana n’abahinzi mu buryo bw’ubucuruzi gusa.

Ati “Ubu tuzajya kubareba dushaka ubufatanye, mu rwego rwo kugira ngo bateze imbere ibikorwa bakora. Ni gahunda izafasha abahinzi, dufatanyije na BK Foundation, kugira ngo tubahe ubumenyi bukenewe, muri gahunda yo kugira ngo nibazajya bagana banki, bazajye baza bafite bwa bumenyi bose bakeneye. Bizadufasha gutanga inguzanyo nyinshi, kandi bishyure n’abandi barusheho kuzibona.”

Abahinzi-borozi bavuga ko iyi gahunda iziye igihe, kuko basanzwe bahura n’imbogamizi zirimo kutabona inguzanyo kubera kutizerwa n’amabanki.

Innocent Nsengumuremyi, umuyobozi w’uruganda rutunganya umuceri mu kibaya cya Rugarama, akaba akorana n’abahinzi barenga 6500, avuga ko kuba abahinzi batagira ubumenyi mu bijyanye n’ishoramari, bituma bashora byinshi bagasarura bike.

Ati “Ubu noneho bagiye gushora igikwiye kandi basarure byinshi kurushaho, kuko iyo umuhinzi yegerewe akigishwa gukoresha inyongeramusaruro zikwiye neza, azashora make, asarure byinshi, nawe yunguke menshi, noneho afite n’aho ayakura (amafaranga), ubundi yayashakaga akayabura, yayabura agakora ibihwanye n’ubushobozi bwe, ugasanga imyaka ye ntimuhaye umusaruro yari ategereje.”

Umunyamabanga Nshingwabikorwa wa BK Foundation, Ingrid Karangwayire, avuga ko gahunda batangije izibanda cyane ku bahinzi bo hasi batari basanzwe batekerezwaho, kugira ngo bafashwe kubona ubumenyi.

Ati “Impamvu twebwe tujemo, ni ukugira ngo twegere wa muturage uri hasi cyane, mu midugudu yabo aho bari tukahabasanga. Icya mbere kirimo ni uguhugura umuntu akamenya imicungire y’imari mu bucuruzi bwe bw’ubuhinzi, akamenya uko azagera kuri banki, na banki tukayibwira ibikenewe, ibyo abaturage batubwira.”

Umuyobozi mukuru wa BK, Dr. Diane Karusisi, avuga ko bari basanzwe bakorana n’ibigo bisa nkaho ari binini byahabwaga amafaranga menshi agera kuri miliyoni 100.

Ati “Ubungubu turashaka kugera ku muhinzi wa wundi uhabwa miliyoni eshanu cyangwa icumi, kugira ngo yagure ibikorwa bye, ashobore nawe kwiteza imbere. Ntabwo dushaka gutanga amafaranga ku muntu utazi kuyakoresha, BK Foundation izatanga amahugurwa, twe dutange amafaranga, ariko tuzakorana n’amasoko kugira ngo uwo muhinzi wabonye amafaranga n’umusaruro mwiza, azabone n’amasoko, aho uwo musaruro uzatwarwa kugira ngo abone amafaranga ashobore kwishyura banki.”

Biteganyijwe ko iyi gahunda izagera ku bahinzi borozi barenga ibihumbi 100 mu gihe cy’imyaka itanu iri imbere, bazahabwa amahugurwa ajyanye n’icungamari.

Guhera mu 2023, BK yafashe iya mbere mu guteza imbere urwego rw’ubuhinzi n’ubworozi, iruteganyiriza ingengo y’imari ingana na Miliyari 200Frw mu gihe cy’imyaka itanu ishobora kuzongerwa.

Amaze gukoreshwamo mu myaka itatu ishize arengaho 50% byayo, kuko hamaze gutangwa inguzanyo ingana na Miliyari 109Frw, ku bari mu rwego rw’ubuhinzi n’ubworozi mu Rwanda.