Mu nama igamije kwiga ku mikoreshereze myiza y’ifumbire mu gihembwe cy’ihinga gitaha, yabaye tariki 16/07/2013, hatangajwe uburyo bushya bw’ikoreshwa ry’ifumbire, aho kuri ubu ibijyanye no gutumiza hanze no gukwirakwiza ifumbire bigiye kujya bikorwa n’abikorera ku giti cyabo.

Muri ubu buryo bushya kandi, abakwirakwiza ifumbire basabwe kurangwa n’ubunyangamugayo, bakirinda kuyikoramo magendu, kuko hari amabwiriza akurikirana buri wese uzakoresha nabi ifumbire igenewe abahinzi bo mu Rwanda.

Twizerimana Innocent, uyobora ihuriro ry’abacuruzi b’amafumbire n’inyongeramusaruro mu karere ka Musanze, avuga ko kuri ubu bari basigaye bahura n’igihombo, kuko kuva mu 2010 ubwo ibi biciro byashyirwagaho, ibiciro byarahindutse ku isoko.

Ati: “Ubundi ku mufuka twabaga dufiteho 750, none uyu munsi tugize 1500. Ubu igihombo twagiraga kivuyemo. Ikindi kiza, ni uko imbuto imbuto yashyikirijwe umucuruzi w’inyongeramusaruro bivuze ko umuhinzi azajya abona izo serivisi ahantu hamwe”.

Nk’uko byagaragajwe muri ibi biganiro, ngo kugirango ukore ubucuruzi bw’umwuga, hagomba kuba hari imbuto nziza, amafumbire, ibikoresho byabugenewe nk’ibyo kuhira no gutera imiti. Kugirango umuhinzi yuzuze ibi byose rero, bakaba bakangurirwa gukorana n’amabanki.

Muhima Clement, uhagarariye Urwego Opportunity Bank (UOB) mu ntara y’Amajyaruguru, avuga ko basanzwe bafite gahunda nziza yo gukorana n’abahinzi, aho uretse kubaha inguzanyo ku nyungu nke, kandi batangira kubishyuza igihe basaruye banabakurikirana.

Ati: “Dufite umukozi ugenda agasura ubuhinzi bw’umuhinzi igihe ashaka inguzanyo, akareba ko inguzanyo yaka ijyanye koko n’ubuhinzi akora, maze akaduhuza n’umucuruzi w’inyongeramusaruro tukamwishyura, kugirango tutamuha amafaranga mu ntoki akaba yayakoresha mu bindi”.

Dr Murekezi Charles, umuhuzabikorwa wa gahunda y’amafumbire muri MINAGRI, avuga ko hatumiwe inzego zitandukanye zagira uruhare mu ikoreshwa ry’amafumbire, kugirango baganira ku bijyanye n’uko amafumbire yagera ku bahinzi ku gihe.

Ati: “Twumvikanye ko hakorwa financing platform bakazajya bigira hamwe uburyo haboneka inguzanyo, ku bacuruzi barangura iyo fumbire n’abahinzi kugirango babone ifumbire ku gihe”.

Kuri ubu ibijyanye no gutumiza amafumbire hanze byashyizwe mu maboko y’abikorera, naho Leta igasigara igenzura ibijyanye no kumenya niba ifumbire yaje ku gihe, ndetse haje ifumbire nziza, ndetse no kumenya ko nta makosa ari gukorwa mu mitangire yayo”.

Ibi kandi ngo ntacyo bizahindura ku buryo umuhinzi yabonaga ifumbire, kuko n’ubusanzwe Leta yayihaga abikorera bakaba aribo bajya kuyigurisha n’abahinzi. Ibi rero ngo ni nako bizakomeza gukorwa.

Jean Noel Mugabo