Mu mishinga 20 yatoranyijwe muri buri karere, Leta yemera gutangira ingwate ya 75%, ba nyir’ubwite na bo bagashaka 25% bisigaye kandi abenshi bitabaza amabanki.

Umunyamabanga uhoraho (PS) muri Minisiteri y’ubucuruzi n’inganda, Emmanuel Hategeka, ati “hari imishinga yagiye igera mu mabanki igasubizwa inyuma bitewe n’uko ba nyirayo bagiye basaba amafaranga menshi cyane”.

Aha atanga urugero rw’uko hari ubwo wasangaga nk’umuntu ugiye guhanga umurimo we bwa mbere (atari uwahoze awukora akaba ashaka kwagura byibura), hanyuma agasaba miriyoni 100. Banki yagaragajemo umushinga yamubaza niba adashobora kugabanya amafaranga asaba, akavuga ko bidashoboka, ko ari uko nguko umushinga we umeze.

PS Hategeka ati “ibi byatewe n’uko hari abibwiye ko iriya ngwate ya 75% ari imfashanyo Leta yari ibageneye, batazi ko ari amafaranga bagomba kuzishyura. Nta banki rero yakwemera gutanga amafaranga angana kuriya, igihe ibona nta cyizere cy’uko azayigarukira”.

Indi mishinga yadindiye nyamara yari yemerewe ni iyo ba nyira yo batabashije kubonera ingwate ya 25% basabwaga. Ngo hari n’abataragaragaje ubumenyi cyangwa kumenyera (experience) ku mishinga bari batanze, haherewe ku buryo basobanuraga imishinga yabo.

Kubera ko batatangaga icyizere cy’uko bazabasha gukora neza ibyo biyemeje bityo bakabasha kwishyura amabanki yabagurije, imishinga yabo na yo yasubijwe inyuma.

Kuba amabanki yari amenyereye gutanga inguzanyo ku bantu bakeya, hanyuma akabona abantu baziye icyarimwe ari benshi na byo biri mu batumye gahunda ya Hanga umurimo itihuta. Amabanki yagombaga gufata igihe cyo kwiga imishinga yashyikirijwe ndetse no kujya kureba ingwate za ba nyir’imishinga.

Nyuma yo guhamagarira abantu guhanga imirimo binyujijwe mu marushanwa, ubu noneho hatangiye gahunda y’uko uzaba yakoze umushinga mwiza akawushyikiriza amabanki ari we uzafashwa kubonerwa ingwate.

Abakora imishinga bazajya bakora ijyanye n’ubushobozi bwabo, bityo hazaboneke imirimo mishyashya byibura 40 muri buri karere; nk’uko Minisiteri y’ubucuruzi n’inganda yabyiyemeje muri uyu mwaka ugiye gutangira.

Amabanki na yo, ibyo ari byo byose hari isomo yakuye mu gihe cy’umwaka gishize, ku buryo ahari azafata ingamba ku kwihutisha imirimo.

Marie Claire Joyeuse