Kugeza uyu munsi Banki Nkuru y’u Rwanda (BNR) ibwira abirukira ubu buryo bwo gushaka ibya Mirenge ku Ntenyo ku buryo bwihuse, iti “mubage mwifashe.”

Mu itangazo yashyize ahagaragara kuwa 13 Gashyantare uyu mwaka, BNR yaburiye abantu bose ko hari abiyitirira gukora imishinga y’ishoramari ryemewe bakayandikisha mu Kigo cy’Igihugu cy’Iterambere, RDB, ariko bakayobya uburari bagahita binjira mu iyezandonke ricucura abantu.

Muri iyi yezandonke, batangira bareshya abashoramari ngo bazane amafaranga, hanyuma bakurikizeho kuzana abandi bantu inyuma yabo, maze bagende bababonaho inyungu z’umurengera, bityo bityo.

Icyakora, kuko umuntu ahabwa mu mafaranga y’uwaje amwuririyeho, iyo kwinjiza abantu bashya muri uru ruhererekane bihagaze, kwishyura abamaze gutanga amafaranga yabo biba ingorabahizi, maze uwabitangije azi neza icyo agamije agakuramo ake karenge, abashyizemo amafaranga bose bagasigara baririmba urwo babonye.

Aho ni ku bijyanye na Pyramid, ariko no kuri Ponzi birasa, uretse gusa ko uburyo bitangira atari bumwe. Mu gihe muri pyramid umuntu ashishikarizwa kuzana abandi, muri Ponzi ho si ko bigenda, kuko uwabitangiye yizeza abagura imigabane inyungu y’umurengera.

Aha rero, ni ho usanga buri wese ahita yibwiriza akajya gushaka inshuti ze ngo zidacikanwa n’ayo mafaranga, aho bashobora kuvuga ko umuntu azunguka ijana ku ijana. Ni yo mpamvu hari amahirwe menshi ko muri Ponzi biba byoroshye ko umwana na se, na nyirasenge ndetse na nyirarume, abo basengana n’abo bakorana bashobora kwisanga bose bariwe amafaranga yabo.

Aha rero, abashoye amafaranga baba bibwira ko yashyizwe mu bikorwa byiza bibyara inyungu, ariko na ho, uwinjiye ahabwa amafaranga y’abamukurikiye, nuko abitabira barangira cyangwa bakagabanuka, hakabura amafaranga yo kwishyura, byose bigahagarara ubwo, uwashoye agataha amaramasa.

Nsabimana Gerard, umuyobozi ukuriye ishami rishinzwe kugenzura imyitwarire y’urwego rw’imari muri BNR aganira na Kigali Today yagize ati “Abo bashoramari basesezeranya abo barambagiza inyungu ibareshya bazabona mu mezi nk’atatu cyangwa atandatu, ku buryo uwinjiye wese aba aribwaribwa gutumira uwo bafitanye isano ya hafi n’inshuti ze kugira ngo nabo bamukurikire mu byo yagiyemo.”

Muri macye, usanga ngo uwinjiye ahita atumira mwene wabo, uwo basengana, uwo bakorana ndetse n’inshuti za bugufi.

Icyakora, ababitangije bo ngo ntacyo baba bahomba na busa, kuko bagenda bishyura uwinjiye wese mu mafaranga y’abaje inyuma ye.

Hari ingero rero z’aho ibi byagiye bihombya abantu, nko mu Kigo cy’ishoramari kitwa Tom Transfers, cyavugaga ko gitumiriza abantu imodoka, ndetse kikanazibakodeshereza. By’akarusho, uwatumije imodoka ngo babaga bamutije iyo aba agendamo mu gihe iye itaraza.

Mu 2022 ubwo icyo kigo cyari kitaramara n’imyaka itanu, abakigannye batangiye kuvuga ko bagitumye imodoka, ariko ntikizibagezeho, ku buryo abantu bagera kuri magana abiri bavuze ko yabambuye.

Nk’uwitwa Line Dusabimana avuga ko Tom Transfers yamwambuye amafaranga miliyoni makumyabiri y’u Rwanda, akavuga ko bamushakishije ngo abishyure, ariko bikaba iby’ubusa.

Agira ati “ Icyizere ko tuzabona amafaranga yacu cyarayoyotse. Twumvise ko uwashize iki kigo yacikanye amafaranga yacu. Wagira ngo ni igini ridashobora gufatwa.”

Icyakora, Jean Damascene Ngiruwonsanga wahoze ashinzwe itangazamakuru n’itumanaho muri Tom Transfers, aherutse kubwira Kigali Today ko atamenye uko byagenze kugira ngo iki kigo kigwe mu gihombo.

Agira ati “Twebwe twagiye kumva twumva ngo boss wacu yarabuze. Ubwo nyine twahagaritse ibyo twakoraga tujya gushaka akazi ahandi.”

Mu bindi BNR yabwiye abantu ko bagomba kwitondera, harimo abiyise Deeren Deere Equipment Company, biyitiriraga kuba ishami ry’ikigo John Deere gitanga ibikoresho by’ubuhinzi, gikorana n’ikigo One Acre Fund mu Rwanda.

Icyakora, mu Kwakira 2024 One Acre Fund yavuze ko ntaho ihuriye n’iki kigo kiyiyitirira, kandi basobanura ko uwo bakorana by’ukuri ari John Deere nyayo, ikomoka muri Leta Zunze Ubumwe za Amerika.

Nsabimana avuga ko Deere Equipment ikimenya amakuru yo guhagarikwa yahinduye amazina, maze ibwira abari bayitezeho amaronko iti “noneho twujuje ibisabwa na BNR, muze dukomereze aho twari tugeze.”

Aha, byagaragaye ko ibigo byinshi bitangira muri ubu buriganya, iyo bihagaritswe bihita bihindura umuvuno bikagaruka mu mazina mashya, ariko intego ari ya yindi.

Nsabimana agira ati “baragenda ariko bagahita bafata akaruhuko nk’icyumweru kimwe, hanyuma bakagaruka bagira bati: twavuganye na Guverineri wa Banki Nkuru y’u Rwanda, none ubu twujuje ibisabwa rwose ubu dukomeje kubaha serivisi.”

Emily Mutesi, umunyamakuru wa kimwe mu bitangazamakuru bikorera Ii Kigali yibuka ukuntu umunsi umwe mugenzi we yashatse kumwinjiza muri ibi bikorwa bya Pyramid.

Agira ati “Yarambwiye ngo yabonye ahantu agiye gusoroma inoti, ubu ngiye gukurikira amabwiriza yo kwiyandikisha kuri murandasi. Nizeye ko ntazabihomberamo nk’uko byagenze aho nagerageje amahirwe mu bihe byashize.”

Uwo mushuti wa Mutesi wanze ko amazina ye atangazwa kubera gutinya ingaruka, avuga ko atigeze asaba abantu mu kwinjira mu bucuruzi bw’uruhererekane, ariko yemera ko akora ibyitwa Ivunja ry’ifaranga ry’ikoranabuhanga.

Benshi mu bantu bavuga ko bamburiwe amafaranga yabo muri iri yezandonke, ntibajya bishimira kuvuga kuvuga ibyababayeho kuko baba batinya ko banatabwa muri yombi.

Shine to Glory: Twashyiragamo ibihumbi magana atanu

Kimwe muri pyramid zamenyekanye cyane mu minsi yashize, harimo iyitwa Shine To Glory, aho buri mushoramari yashyiragamo amafranga y’u Rwanda ibihumbi magana atanu, Rwf 500,000 ($354.81).

Uwitwa Eric Niyonzima agira ati “twageraga ku bantu magana atanu. Aho, buri wese yashyuragamo Frw 500,000, noneho twagera ku bantu batandatu tukaba duhetuye itsinda ryagombaga guha umuntu umwe, n’irindi tsinda rikabikora nk’uko, gutyo gutyo.”

Yongeraho ati “Nyuma y’amezi macye twananiwe gukomeza, kuko bamwe muri twe ntibari bagishobora kwinjiza abandi bantu, ari nayo mpamvu tutashoboye kugaruza amafanga yacu, ndetse n’inyungu twari dutegereje.

Niyonzima yari yaramaze kubona amafaranga yo mu cyiciro cya mbere, ariko asabwa kuyasubiza kubera ko byari byatangiye guteza induru.

Agira ati “bamwe barayashubije ku bushake, abandi ntibayasubiza, kuko nta wabona aho abarega, dore ko ibi bintu nta masezerano yanditse aba arimo.”

Hagati aho, umuvugizi w’Urwego rw’Igihugu rw’Ubugenzacyaha (RIB), aherutse kubwira Televiziyo y’u Rwanda ko hagati ya 2019 na 2024, bakiriye ibirego bijyanye na pyramid 12,178, byabarirwagamo abantu 14,991.

Nko muri Kanama 2021, abagore bane bo mu Karere ka Rusizi, Intara y’Uburengerazuba, bakatiwe igifungo cy’umwaka umwe, ndetse n’ihazabu y’amafaranga miliyoni imwe y’u Rwanda, kubera kugerageza gukubita umucamanza wari wategetse ifunguye ry’agateganyo umuntu wabakanguriye kwinjira muri Pyramid bita Blessing, ikaza kubatwarira amafaranga yabo.

Bahanze amaso Banki Nkuru y’u Rwanda
Ruziga Emmanuel Masantura, inzobere mu by’ubukundu n’imari, akaba n’umukozi w’Ikigega cyo kwizigamira RNIT Iterambere fund, avuga ko Banki Nkuru y’u Rwanda ikwiye kuburira abantu bakamenya aho bakwiye kwirinda gushora imari yabo n’aho bayishora bakunguka.

Agira ati “Birakwiye gukora ubukangurambaga bugamije kubwira abanyarwanda imbuga zemewe bashobora gushoramo imari yabo ndetse n’izo bagomba kugendera kure.”

Yongeraho ati “bibaye na ngombwa, BNR yakwigisha abafashamyumvire bazafasha abandi gusobanukirwa imikorere y’ifaranga koranabuhanga, kugira ngo bareke gukomeza gushyira amafaranga mu ishoramari ribahombya.“

Hagati aho ariko, BNR ngo yatangiye imbanzirizamushinga izafasha gushyiraho ifaranga koranabuhanga ryayo,

Masantura avuga ko mu minsi yashize, ubwambuzi bwakorwaga n’abantu batize, ariko ubu bukorwa n’abantu bari basanzwe bizerwa, harimo n’abanyamadini n’amatorero.