Inguzanyo zatanzwe n’amabanki mu Rwanda zariyongereye ku kigero cya 25,4%

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Ishimwe Rugira Gisele

23-11-2024 - 11:26' | Ibitekerezo ( )

Inguzanyo nshya zatanzwe n’amabanki abarizwa mu Rwanda mu mezi icyenda ya mbere y’umwaka wa 2024, zibarirwa muri tiriyali 1,7 y’amafaranga y’u Rwanda zivuye kuri tiriyali 1,3 y’amafaranga zariho mu gihe nk’icyo cy’umwaka ushize wa 2023; ibyo bikaba byarazamuye ibipimo by’izo nguzanyo ku kigero cya 25,4%.

Mu itangazo Banki Nkuru y’u Rwanda yashyize ahagaragara, igaragaza ko urwego rw’ibigo by’imari iciriritse na rwo rutasigaye inyuma kuko na rwo mu mezi icyenda abanza ya 2024 rwiyongereyeho Miliyari 581,4 z’amafaranga y’u Rwanda.

Uko iri zamuka ry’inguzanyo rigaragazwa nk’ingirakamaro ku bukungu bw’u Rwanda ni na ko abakorana n’amabanki cyangwa ibigo by’imari iciriritse, binyuze mu kwaka inguzanyo na bo bagaragaza ko zikomeje kubahindurira imibereho.

Bikorimana Vital, ni umwe mu bikorera ku giti cye, kuri ubu urimo kubaka inzu mu Murenge wa Cyuve mu Karere ka Musanze abikesha inguzanyo yahawe na Banki ya Kigali abereye umukiriya.

Yagize ati: “Nahereye ku kwegeranya ubushobozi bw’amafaranga yanjye ku giti cyanjye ngejeje kuri miliyoni zirindwi nyaguramo ikibanza, hanyuma nisunga banki impa inguzanyo ya Miliyoni 10 yo kubakamo inzu. Ubu imirimo irarimbanyije kuko ndi hafi kuyisakara nkazanayikinga, ku buryo nizeye neza ko uyu mwaka ugomba kurangira mvuye mu bukode”.

Abakorana n’ibigo by’imari biciriritse na bo bavuga ko hari urwego bigejejeho binyuze mu mishinga iciriritse baba barakiye inguzanyo zikabunganira kuyishyira mu bikorwa bakiteza imbere.

Uwamariya Solange, akora ubucuruzi buciriritse. Avuga ko atari kwishoboza iyo adasaba inguzanyo ya Miliyoni imwe muri Inyongera SACCO Cyuve yahereyeho atangira ubwo bucuruzi.

Ati: “Natangiriye ku gucuruza ibinyampeke, ubushobozi bugenda bwiyongera nongeramo n’amoko y’ifu abikomokaho bingeza ku rwego mbasha kujya ndihira abana amashuri, barimo batatu bayarangije n’undi umwe nkirihira. Ibibatunga nta handi mbikura hatari muri ubu bucuruzi; kandi nkabijyanirana no kwishyura neza inguzanyo. Igihe cyo kuyisoza iyo kigeze ndongera nkuzuza ibisabwa nkaka indi nguzanyo nkikenura gutyo gutyo”.

Mu nama ngarukagihembwe ya Komite ishinzwe kubungabunga Ubudahungabana bw’Urwego rw’Imari (FSC) yateranye muri iki cyumweru, yabonye ko Urwego rw’Imari rukomeje kugira ubudahangarwa kandi ruhagaze neza mu guhangana n’Ingorane n’ubwo hari ibibazo bigihari.

Banki Nkuru y’u Rwanda, igaragaza ko muri rusange inguzanyo zakomeje kwishyurwa neza mu mabanki no mu bigo by’imari iciriritse.

Naho igipimo cy’inguzanyo zitishyurwa neza cyari kuri 4,2% mu mabanki na 3,8% mu bigo by’imari iciriritse, byose bikaba biri munsi y’igipimo ntarengwa cya 5% giteganywa na Banki Nkuru y’u Rwanda.

Mu Rwanda habarurwa ibigo by’imari 688 birimo amabanki 11 yihariye 65% by’urwego rw’imari rwose.

Harimo ibigo by’imari iciriritse(microfinance), SACCOs 458, ibigo by’ubwishingizi, ibyo kwizigamira, ibigo bifasha mu kwishyura hakoreshejwe ikoranabuhanga ndetse n’ibigo bishinzwe ivunjisha.

Amabanki n’ibigo by’imari biciriritse BNR ibigaragaza nk’ibikomeje gushyigikira ishoramari mu bukungu bw’u Rwanda.