Ibi ni ibyasobanuwe na Ferdinand Murezi, Umuyobozi Ukuriye Ishami rishinzwe gukurikirana ukutajegajega k’Urwego rw’Imari muri Banki Nkuru y’U Rwanda(BNR).

Murezi avuga ko ubusesenguzi bwakozwe n’Ishami rishinzwe gukurikirana Ukutajegajega k’Urwego rw’Imari mu Gihembwe cya 4 cya 2025 bugagagaza ko inguzanyo zishyurwa mu ma Banki n’Ibigo by’imari iciriritse ziri ku kigero cya 97.5 ku ijana.

Umuyobozi Ukuriye Ishami rishinzwe gukurikirana ukutajegajega k’Urwego rw’Imari muri Banki Nkuru y’U Rwanda (BNR) avuga ko n’ubwo Banki Nkuru y’U Rwanda yifuza ko inguzanyo zose zitangwa n’Amabanki n’Ibigo by’Imari iciriritse zishyurwa neza ku kigero cya 100 ku ijana, kuba izishyurwa neza ziri ku kigero cya 97.5 ku ijana ari igipimo gishimishije kandi hari ikizere ko imibare izakomeza kwiyongera.

Abishyura neza inguzanyo ni abantu ku giti cyabo cyangwa ibigo bishyura ku gihe kandi bakishyura amafaranga baba bagomba kwishyura nkuko biteganywa n’amasezerano bagirana n’Amabanki n’Ibigo by’Imari iciriritse.

Bivuze ko inguzanyo zitishyurwa neza neza zari ku kigero cya 2.5 ku ijana mu Kuboza 2025 zivuye ku kigero cya 3.4 ku ijana mu Kuboza 2024, Ikigero Banki Nkuru y’U Rwanda ivuga ko ari cyiza kuko kiri munsi igipimo ntarengwa cya 5 ku ijana giteganywa n’amabwiriza y’igenzura.

Umuyobozi Ukuriye Ishami rishinzwe gukurikirana ukutajegajega k’Urwego rw’Imari muri Banki Nkuru y’U Rwanda (BNR) agira ati “Iki ni ikintu cyiza ku rwego rw’Imari kuko 97.5 ku ijana, Inguzanyo zishyurwa neza. Amabwiriza ya Banki Nkuru y’U Rwanda ateganya ko ikigero cy’inguzanya zitishyurwa neza kitagomba kurenga 5 ku ijana y’inguzanyo zose.”

Akomeza agira ati “Twakabaye twifuza ko inguzanyo zose zishyurwa neza 100% ariko hagenda habaho imboganizi.”

Uyu muyobozi avuga ko inguzanyo nyinshi zitishyura neza muri rusange ari izabasaba inguzanyo ku giti cyabo n’urwego rw’inganda.

Ibigo by’Imari Iciriritse byakomeje gutanga inguzanyo nyinshi mu rwego rw’Ubuhinzi kuruta Amabanki.

Banki Nkuru y’u Rwanda (BNR) ivuga ko hakomeje gukorwa ubukangurambaga ngo amabanki n’ibigo by’imari iciriritse bikomeze gutange unguzanyo mu rwego rw’ubuhinzi.

Kuri ubu ibigo by’Imari iciriritse ni byo byitabira gutanga unguzanyo ku rwego rw’ubuhinzi ubu bikaba byaratanze inguzanyo zigera kuri 15% by’ inguzanyo zose zatanzwe mu gihe kimwe amabanki ari ku kigero cyo hasi aho kiri kuri 1.3%.

Murezi avuga ko ubuhinzi ari imwe mu nkingi za mwamba kandi ko hari ikizere ko ibigo by’Imari iciriritse n’ Amabanki bizakomeza kwitabira gutanga inguzanyo mu rwego rw’ubuhinzi.

Uyu muyobozi avuga ko hari ibiganiro byinshi biri gukorwa hamwe n’abafatanyabikorwa ngo harebwe uko ubuhinzi bwavugururwa bukitabirwa n’abashoramari bashobora gukora imishingo myiza y’ubuhinzi kandi ibyara inyungu bityo bikazamura inguzanyo zitangwa muri uru rwego rw’ubuhinzi.

Avuga kandi ko ubushakashatsi burimo gukorwa ngo burebe ibyateza ingorane ku bigo by’imari n’amabanki biri mu rwego rw’ubuhinzi n’uburyo byakumirwa.

BNR ivuga ko muri rusange, urwego rw’imari ruhagaze neza mu Rwanda. Mu mwaka ushize wa 2025 inguzanyo nshya zageze kuri miliyari hafi ibihumbi bitatu z’amafaranga y’u Rwanda zivuye kuri miliyari ibihumbi bibiri n’ibice bibiri z’amafaranga y’u Rwanda mu mwaka wa 2024 bivuze ko zazamutse ku ijanisha 19%.

Ibi, Guverineri Wungirije yabigarutseho mu nama ngarukamwaka y’ubushakashatsi (Annual Research Conference) yateguwe na Banki Nkuru y’u Rwanda ku bufatanye n’Ikigo Mpuzamaganga cy’ubushakashatsi (International Growth Centre).

Ni inama yabaye kuwa 16 Gicurasi 2025 yahurije hamwe amabanki n’ibigo by’imari bitandukanye, abayobozi mu nzego za leta, ibigo by’itumanaho, amashuri makuru n’abandi.

Inama yari ifite insanganyamatsiko igira iti “ Urugendo rwo guhererekanya amafaranga mu Rwanda: Ibyafashije, Ibyagezweho n’Imbogamizi”.

Harakenewe ubufatanye

Muri iyi nama, Dr. Nsengiyumva yavuze ko n’ubwo hari byinshi byakozwe ngo kwishyurana no guhererekanya amafaranga hifashishijwe ikoranabuhanga bitere imbere, hagikenewe gukorwa ubushakashatsi kugira ngo iyi gahunda irusheho kugenda neza kandi igere kuri bose.

Agira ati “ Muri iki gihe ibintu bigenda bihinduka, ubushakashatsi mu by’ubukungu ni ikintu cy’ingenzi kitakwirengagizwa. Ubu bushakashatsi bwadufasha kumva byimbitse ibyadufasha mu iterambere ryo guhererekanya no kwishyurana hakoreshejwe ikoranabuhanga n’ingaruka bifite ku iterambere ry’ubukungu.”

Akomeza agira ati “Ubushakashatsi kandi bufasha gufata imyanzuro ikwiye no kuyishyira mu bikorwa. Butuma kandi habaho uburyo buhamye bwo gukora ibintu no gukemura imbogamizi zikomeye zibonetse."

Guverineri wungirije wa Bani Nkuru y’u Rwanda, avuga ko ubu bushakashatsi bukeneye gukorwa n’Inzego zitandukanye harimo abakora mu ma Banki, ibigo by’Imari n’ iby’ikoranabuhanga, amashuri makuru na za kaminuza n’abandi.

Avuga ko ubufatanye n’inzego zitandukanye muri ubu bushakashatsi bwatuma ibigaragajwe nk’imbogamizi bishyirwa mu bikorwa bityo ibibazo biri mu ihererekanya no kwishyurwa hakoreshejwe ikoranabuhanga bigakemurwa izi serivisi zikagera kuri bose kandi neza.

Dr. Nsengiyumva yongeraho ko mu bushakashatsi bwimbitse ari ho hagaragara ibisubizo bya serivisi abakiriya bashaka, imihindagurikire y’amasoko, udushya mu ikoranabuhanga n’ibindi byafasha mu kunoza no kongera imibare y’abahererekanya n’abishyurana hakoreshejwe ikoranabuhanga.

Agira ati: “ Imbogamizi nko kurinda amakuru y’abakiriya no kutayashyira hanze, kongerera imbaraga umutekano mu by’ikoranabuhanga, guhererekanya amakuru y’abakiriya hatabayemo ibibazo no kugira imigenzurire ishyigikira guhanga udushya ikanafasha kugira imikorere ihamye bigomba gukomeza gushakirwa umuti.”

Imibare irashimishije

Igipimo Guverinoma yari yihaye cyo guteza impere gahunda yo kwishyurana hakoreshejwe ikoranabuhanga muri Gahunda y’igihugu yo kwihutisha iterambere mu cyiciro cyayo cya mbere (NST1) cyararenze.

Muri NST1 ari nayo Gahunda ya Guverinoma y’Imyaka Irindwi (7YGP) yarangiye muri 2024, guverinoma yari yarihaye intego ko kwishyurana hakoreshejwe ikoranabuhanga bizagera kuri 80% ariko byararenze bigera kuri 300% ahanini bitewe n’ikoreshwa rya telefoni mu guhererekanya amafaranga (Mobile Money transaction).

Imibare ya BNR igaragaza ko ubukungu budaheza (Financial inclusion) buri kuri 96% mu gihe abakoresha serivisi z’ikoranabuhanga bavuye kuri 30% muri 2020 bakagera kuri 73% muri 2024, bitewe n’imbaraga zashyizwe mu bukangurambaga nk’uko Dr. Nsengiyumva abitangaza.

Avuga ko ubushakashatsi mu by’ubukungu bukorwa na BNR bugira uruhare runini mu iterambere kandi ko bazakomeza gukorana n’abafatanyabikorwa batandukanye bo mu Gihugu ndetse n’ibigo mpuzamahanga nka IGC, IMF n’ibindi.

Ati” Mureke ibiganiro nk’ibi bitubere igihe cyo gutekerereza hamwe ariko kandi binadufashe mu myanzuro dufata, politike dushyiraho no gushyira imbaraga mu bufatanye tugirana.”

Mphatso Kumwenda, Umukozi wa IGC ushinzwe Ubukungu ashimira ubuyobozi bw’u Rwanda bwateje imbere ihererekanya no kwishyurana hakoreshejwe ikoranabuhanga akavuga ko u Rwanda ari “Kimwe mu bihugu byo muri Afurika byashoboye guteza imbere ubukungu bwimakaza ikoranabuhanga.”

Avuga ko IGC yakoranye ubushakashatsi butandukanye na Banki Nkuru y’u Rwanda na Minisiteri y’Imari n’Igenamigambi n’ibindi bigo kandi ko byagize umusaruro, agashimangira ko ikigo akorera kizakomeza gukorana n’u Rwanda mu bushakashatsi bugamije kunoza ihererakanya no kwishyurana hakoreshejwe ikoranabuhanga.

Kumwenda agira ati: “Twiyemeje gukomezanya uru rugendo (rw’ubushakashatsi) dufata ibitekerezo binini bivuye ku isi hose tukabihinduramo ibikorwa hano mu Rwanda.”

Muri iyi nama ngarukamwaka y’ubushakashatsi hamuritswe bumwe mu bushakashatsi bwakozwe n’abakozi ba BNR ndetse n’abandi bafatanyabikorwa bwibanze ku kamaro ko kunoza kwishyurwa no guhererekanya amafarnga hakoreshejwe uburyo bw’ikoranabuhanga.