Abahinzi n’aborozi bazahabwa inguzanyo zidahenze bibafashe kongera umusaruro

Byatangarijwe abayobozi n’abahinzi bahagarariye abandi mu Karere ka Gisagara, ubwo umushinga wo guteza imbere ubuhinzi bugamije ubucuruzi no kugabanya ibibubangamira (CDAT), wahatangizaga ibikorwa ku wa Mbere tariki 13 Gashyantare 2023.

Ernest Uzaribara, umuyobozi w’agateganyo wa CDAT ati “Ni umushinga uzafasha abahinzi kubona inguzanyo ku giciro cyo hasi. Ubusanzwe amabanki akunze gutanga inguzanyo kugeza ku nyungu igera kuri 23% na 24%, ariko uyu mushinga uzafasha abahinzi n’aborozi kubona inguzanyo ku nyungu ya 8%. Urumva ko yo ari ntoya cyane.”

Asobanura ko inguzanyo izatangwa ari itarenze miliyoni 600, kandi ko izahabwa abahinzi n’aborozi bose babyifuza cyangwa koperative cyangwa na kampani, baba abahinga bisanzwe, baba abashaka kugura inyongeramusaruro, imashini, inzu zo guhingamo, kugura imodoka itwara umusaruro, kubaka ubuhunikiro, kubaka uruganda rutunganya umusaruro n’ibindi.

Gusa umuhinzi agomba kuba yakoze umushinga uzamufasha gukorera ku ntego, kuko icyo CDAT igamije ari uguteza imbere ubuhinzi bugamije ubucuruzi no kugabanya ibibubangamira.

Amafaranga y’inguzanyo azaca muri BRD, izatange inguzanyo kuri banki na SACCO zibyifuza ku nyungu ya 4.5%, hanyuma izo banki na zo zizayatange ku nyungu ya 8%.

Abahinzi baganira kuri uwo mushinga n’abayobozi

Uzaribara ati “Banki yose yakwifuza gukorana na BRD yasaba amafaranga. Wenda birasaba iminsi mikeya kugira ngo babanze basinyane, ariko ubu BRD irimo kuvugana n’izo banki na SACCO ku buryo bitarenze ukwezi kwa gatatu, abantu baba batangiye kubona amafaranga.”

Ikindi abashaka inguzanyo bazafashwa ni uguhabwa igihe cyo kubanza kubona umusaruro mbere yo gutangira kwishyura inguzanyo, kiri hagati y’umwaka n’imyaka itatu, biturutse ku gihe ibyo umuhinzi yashoyemo bizatangirira gutanga umusaruro.

Abahinzi bumvise iby’izi nguzanyo barabyishimiye kuko batekereza ko bizabafasha.

Théoneste Ndanga, umunyamuryango wa Koperative CORPRIZ Kabogobogo, avuga ko atari yarigeze yaka inguzanyo mu buhinzi kuko muri SACCO baca inyungu yo hejuru, ariko ko ubu noneho ari gutekereza kuzayifata cyane cyane kubera ko umuhinzi atazahita asabwa kwishyura nta cyo arabona.

Ati “Kuguriza umuntu amafaranga, noneho bakakwemerera kuzatangira kwishyura nyuma y’umwaka kugera kuri itatu, urumva umuntu azaba yarisuganyije yaregeranyije ubushobozi. Ni cyo kintu numvise cyiza kirimo.”

Ubundi uretse gutanga inguzanyo ku bahinzi n’aborozi, umushinga CDAT uzakora n’ibindi bikorwa bigamije guteza imbere ubuhinzi, mu gihe cy’imyaka itanu uhereye muri Nyakanga 2022, harimo gusana no gutunganya ibyanya byuhirwa haba mu bishanga n’imusozi no kurwanya isuri, abaturage bakazanabibonamo imirimo ibinjiriza amafaranga.

Ubinyujije muri BDF kandi, uyu mushinga uzatanga inkunga nyunganizi (Matching grant) igera ku ruhare rwa 50% mu mirimo y’uruhererekane nyongeragaciro, harimo gufata neza umusaruro no kuwongerera agaciro, ikoranabuhanga mu buhinzi, guhinga mu nzu zabugenewe n’ibindi.

Abahagarariye abandi mu Karere ka Gisagara basobanuriwe iby’umushinga CDAT

Wanagennye inkunga nyunganizi yihariye (Innovation Challenge Fund), cyane cyane ku rubyiruko n’igitsina gore, aho bashobora kubona inkunga ku kigero cya 70% bishingiye ku guhanga udushya mu buhinzi. Iyi nkunga na yo izanyuzwa muri BDF ariko yo izatangwa muri 2023-2024 nyuma yo gushyiraho amabwiriza ayigenga.

Ibi byose bizakorwa hifashishijwe amafaranga abarirwa muri miliyari 300, u Rwanda rwafashemo inguzanyo muri Banki y’Isi.

MENYA UMWANDITSI

Marie Claire Joyeuse

Umunyamakuru

@ JoyeuseC

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