Ni ibiganiro byibanda cyane ku buryo hashyirwaho n’ubwishingizi burambye ku gihingwa cy’inyanya, bikaba byahuriyemo abashinzwe gushyira mu bikorwa politiki y’ubuhinzi, abahinzi, ibigo by’imari n’abafatanyabikorwa batandukanye, bakaba baganiriye ku buryo ubwishingizi mu buhinzi bwafasha urubyiruko ruri muri ako kazi kwirinda igihombo.

Nk’uko Ntagozera Emmanuel, Umukozi w’impuzamiryago Pro-Femme/Twese Hamwe ushinzwe ihame ry’uburinganire ridaheza, avuga ko muri uyu mushinga biyemeje gufasha urubyiruko rwahisemo kwiteza imbere barushyigikira mu ishoramari.

Ati “Iyo urubyiruko rufashe icyemezo cyo gukora ubuhinzi nk’umwuga, tugomba kubashyigikira mu kububakira umusingi uhamye. Ubwishingizi ni kimwe mu bikoresho bikomeye bimurinda igihombo kandi bikamufasha gutinyuka ishoramari.”

Ubushakashatsi bugaragaza ko ubwishingizi mu buhinzi atari igikoresho cyo gucunga ibyago gusa, ahubwo bushobora kuba isoko ry’imirimo mishya ku rubyiruko, yaba mu makoperative, mu bigo by’imari cyangwa mu bikorwa by’ubujyanama ku bahinzi.

Emmanuel Ndagijimana, umuhinzi umaze imyaka 5 ahinga inyanya mu Karere ka Huye, avuga ko basanzwe bafata ubwishingizi bw’ibindi bihingwa inyanaya zitarimo.

Ati “Tumaze igihe twishingira ibindi bihingwa, ariko ibigo bitanga ubwishingizi bitubwira ko inyanya zitishingirwa. Dufite icyizere ko noneho inyanya niziramuka zitangiye kwishingirwa, bizatuma dufata ubuhinzi nk’umwuga nyawo kurenza uko byari bimeze, kuko tuzaba dusezeye igihombo”.

Ibi kandi abihuriraho na Dukuzumuremyi Gaudence, umaze imyaka 7 mu buhinzi mu Karere ka Nyabihu, uvuga ko ikibazo gikomeye gihari ari uko urubyiruko rutinya gushora imari mu buhinzi bw’inyanya kubera gutinya guhomba.

Ati “Twagiraga imbogamizi zo gushora imari mu buhinzi bw’inyanya kuko nta bwishingizi ziba zifite, kandi zigira ibihombo byinshi bishingiye ku burwayi ndetse n’ibiza bitandukanye, cyane ko aho tuzihinga ari ahantu hahanamye. Icyakora ubu bwishingizi nibuza tuzashora amafaranga mu buhinzi tudafite impungenge, kandi bizatuma tunatanga akazi mu rundi rubyiruko”.

U Rwanda rumaze gushyiraho gahunda ya National Agriculture Insurance Scheme (NAIS) ifasha abahinzi b’ibigori, ibirayi, ibishyimbo n’umuceri kubona ubwishingizi butangwa ku nkunga ya Leta ku kigero cya 40%. Ariko kugeza ubu, inyanya ntizirimo muri urwo rwego, nyamara ni igihingwa gifite agaciro ku isoko.

Zigiriza Lucia, umukozi wa AGRA-Rwanda ushinzwe guhuza ubufatanye hagati y’imishinga itandukanye iterwa inkunga na Mastercard Foundation, mu bikorwa bigendanye no guteza imbere ubuhinzi n’ubworozi, avuga ko iyi nama igamije kureba uko politiki zashyirwa mu bikorwa mu nyungu z’abahinzi bato.

Ati “Iki ni igikorwa kigamije gukora ubuvugizi kugira ngo igihingwa cy’inyanya cyongerwe mu byishingirwa, kuko kugeza ubu mu bihingwa Leta yishingira inyanya zitarimo. Urubyiruko rero rwagiye rubigaragaza nk’imbogamizi, ubu rero twishyize hamwe ngo tugaragaze amahirwe ari mu buhinzi bwazo kugira ngo zishingirwe ndetse n’urubyiruko rubone imirimo, kandi Minisiteri y’Ubuhinzi n’Ubworozi na yo dufatanyije twese, twizeye ko icyo kibazo kizakemuka ibikorwa by’urubyiruko bikaguka.”

Alice Mukamugema, Umuyobozi mukuru ushinzwe gukurikirana uruhererekane nyongeragaciro ku bikomoka ku buhinzi n’ubworozi muri Minisiteri y’Ubuhinzi n’Ubworozi, ashimangira ko iyi gahunda y’ubwishingizi ku bihingwa itamaze igihe kirekire batangiye bishingira ibihingwa bimwe na bimwe, ariko n’ubundi ubwishingizi ari amafaranga ava muri Leta, bisaba kwigwa neza ubwishingizi bw’inyanya bukaba bwakongerwamo.

Ati “Gahunda y’ubwishingizi ya Leta ntabwo imaze igihe kuko yatangiye muri 2019, ni urugendo rutoroshye twahereye ku bihingwa bikeya bikunda kwangirika kandi urugendo turacyarukomeje. Iyo tuvuga ubwishingizi tuba tuvuga ubwunganiwe na Leta, kuko rero ari amafaranga ava muri Leta, hagomba gukorwa inyigo kugira ngo turebe niba hari icyo bizungura abaturage bose muri rusange ndetse n’uruhererekane nyongeragaciro, ari na yo mpamvu turimo kureba niba inyanya zakongerwamo kandi icyizere kirahari, kuko ari igihingwa cy’ingenzi mu mirire y’Abanyarwanda.”

Uwo mushinga w’imyaka itanu watangiye muri 2023, ukazarangira mu mwaka wa 2027, uterwa inkunga na Mastercard Foundation, ugamije gufasha urubyiruko 80,000, cyane cyane abakobwa, kugira imirimo ifatika ikomoka ku buhinzi, binyuze mu kongerera imbaraga abacuruzi bato n’abari mu buhinzi bw’inyanya, urusenda, ibishyimbo n’ibindi.

Ubushakashatsi bwakozwe na Pro-Femmes/Twese Hamwe bwerekanye ko u Rwanda rweza hejuru ya toni 81,000 z’inyanya buri mwaka, nyamara abahinzi bagahura n’ibihombo bituruka ku ndwara, udukoko ndetse n’imihindagurikire y’ibihe.

Abitabiriye ibiganiro basabye ko habaho politiki nshya ituma abahinzi b’inyanya bagerwaho n’ubwishingizi nk’abandi, kuko bizabafasha kubona inguzanyo, kongera ishoramari no guhanga imirimo mishya.

Umushinga ‘Supporting and Enhancing Resilient and Viable Employment Opportunities (SERVE)’, watangijwe na Pro-Femmes Twese/Hamwe ku bufatanye na CARE International Rwanda, DUHAMIC-ADRI, AMIR na Urwego Finance, uratanga icyizere gishya cyo kubaka ubuhinzi burambye, buringaniye kandi bufite imirimo ifatika.