Muri iyo gahunda by’umwihariko BK izafatanyamo na USAID mu mushinga wayo wiswe Kungahara Wagura Amasoko, aho kugira ngo BK itange inguzanyo igirana gusa imikoranire n’abasanzwe bafite ibyangombwa bibemerera kohereza umusaruro mu mahanga kandi bafite isoko, bakaba badasabwa byinshi kubera ko bashobora gutanga umusaruro cyangwa ubutaka nk’ingwate.

Ni muri gahunda y’imyaka itanu BK yihaye igamije gufasha abari mu rwego rw’ubuhinzi kuzamura ubucuruzi bwabo bakava ku rwego rumwe bakagera ku rwisumbuyeho, hagamijwe kubafasha kwiteza imbere ndetse bikagera no ku muhinzi wo hasi bakuraho umusaruro.

Iyi gahunda ku ikubitiro BK yashoyemo agera kuri Miliyoni 150 z’Amadolari zizakoreshwa mu gihe cy’imyaka itanu, ariko ishobora no kutagera bitewe n’ubwitabire bw’abari muri urwo rwego rw’ubuhinzi, ku buryo amafaranga yateganyijwe ashobora kurangira hakongerwamo ayandi, mbere y’uko imyaka yateganyirijwe iyo gahunda irangira.

Mu rwego rwo kwegera abari mu buhinzi basobanurirwa byinshi kuri gahunda ya BK yo gufasha abahinzi kwiteza imbere binyuze mu nguzanyo yayo, ku mugoroba wo ku wa Gatanu tariki 24 Ugushyingo 2023, ubuyobozi bwa BK by’umwihariko ishami rishinzwe ubuhinzi n’ubworozi, bahuye n’abafatanyabikorwa batandukanye biganjemo abohereza umusaruro w’ibikomoka ku buhinzi mu mahanga, baganira ku mahirwe yabashyiriweho, ashobora kubafasha mu byo bakora.

Bamwe mu bakora ubucuruzi bwo kohereza mu mahanga umusaruro w’ibikomoka ku buhinzi baganirijwe na BK, bavuga ko uburyo bashyiriweho n’iyo banki bugiye kubafasha kurushaho kwagura ubucuruzi bwabo.

Umuyobozi w’ishyirahamwe ry’abohereza mu mahanga imboga n’imbuto, Robert Rukundo, avuga ko ubusanzwe ibijyanye no gushora mu bikomoka ku buhinzi ari ibintu bitajyaga byitabwaho cyane, ariko kuba BK yaragize icyo gitekerezo, biteze ko inyungu n’akazi k’ibikomoka ku buhinzi bigiye kwiyongera.

Ati “Ikibazo cya mbere cyari ku miterere y’inguzanyo zitangwa mu buhinzi, nk’ingwate ni ikintu gikomeye, ariko mwumvise ko hari ibicuruzwa bitazajya bisabwa ingwate, hari ubufatanye BK ifatanyije n’abashoramari bwo kureba imishinga itandukanye, ni ikintu bavuze ko bagiye kwitaho cyane, kandi ibyo ni ibintu byatugoraga.”

Akomeza agira ati “Ikindi cyarebwaga cyane ni inguzanyo yatangwaga, niba batangaga inguzanyo kuri 19% cyangwa 18.5% nk’umuntu ugiye kubaka etaje, ntabwo rwose byahuraga n’ubuhinzi, ariko urumva ko bazimanuye zagiye muri 12%, hari izi 9%, ni ibintu byiza cyane bigiye kongera umubare w’abitabira iyi banki kandi n’izindi zikwiye kureberaho.”

Umukozi wa BK ushinzwe inguzanyo z’ubuhinzi n’ubworozi, Alex Bizimana, avuga ko mu nguzanyo zitangwa harimo gahunda zitandukanye zijyanye n’ingano y’umushinga w’umuntu.

Ati “Harimo gahunda zitandukanye, hari gahunda ishobora kujya muri gahunda y’ikigega gishinzwe guteza imbere ibyoherezwa mu mahanga, hari ishobora kujya mu kigega cya Leta gishinzwe kuzahura ubukungu, hari n’ibyo umuhinzi cyangwa uwohereza umusaruro mu mahanga ashobora kubona amafaranga y’igiciro cy’ubucuruzi cya Banki, ibyo rero biterwa n’umushinga uko ungana, kuko hari aho utarenza miliyari ukajya mu cyiciro runaka, warenza miliyari ukajya mu kindi, warenza miliyari eshatu, enye, eshanu wenda ukaba utakiri muri icyo cyiciro.”

Umushinga wa BK wo gufasha abari mu rwego rw’ubuhinzi ukubiyemo kuzafasha kubona inguzanyo abakusanya umusaruro w’ibihingwa bitandukanye birimo Ibigori, Ibishyimbo, Soya, Umuceri n’ibindi bihingwa byose bishobora guhunikwa igihe kirekire, bikiyongeraho abakusanya umusaruro wa Kawa n’Icyayi, bakabitunganya ndetse bakanabyohereza mu mahanga.

Muri gahunda ya BK yo gukorana n’abakusanya umusaruro ndetse bakanawohereza mu mahanga, kugeza ubu barimo gukorana n’abakusanya uwa kawa bagera kuri 20, naho abakusanya umusaruro w’umuceri barakorana n’inganda 3, mu gihe mu bindi bihingwa ngandurarugo ari benshi, gusa ngo intego ni uko bagera kuri buri wese ubyifuza uri muri ubwo bucuruzi.