Ni amabwiriza yo kuwa 17 Nzeri 2025 atanga umucyo ku bemerewe kwakira ubwishyu mu madovize, harimo n’Amadorali, n’ayandi mu Rwanda.

Amabwiriza yo mu 2025 areba abakora ibikorwa by’ubucuruzi bemerewe kwakira amadovize n’ibisabwa kugira ngo wemererwe.

Agaragaza kandi ibyiciro by’abantu ku giti cyabo n’ibigo byemerewe kwakira ubwishyu mu madovize igihe hishyurwa ibicuruzwa na serivizi mu Rwanda bidasabye uruhushya muri BNR, bitewe n’imiterere y’ibikorwa akora bisaba kwakira amadovize.

Aya mabwiriza kandi agena uburyo n’ibisabwa ku bandi bashaka uruhushya rwo kwakira ubwishyu mu madovize.

Amabwiriza yihariye asobanura “Uwemerewe kwakira amadovize” nk’umuntu wahawe uburenganzira bwo gushyiraho igiciro no gukora ibikorwa by’ubucuruzi mu madovize bitewe n’imiterere y’ibikorwa akora bisaba kwakira amadovize.

Ni bande bemerewe kwakira amadovize?

Nk’uko bitaganywa n’amabwiriza yihariye, ibigo n’inzego byemerewe kwakira ubwishyu mu madevize, mu gihe bubahiriza izindi ngingo z’aya mabwiriza yihariye birimo:

A. Abashoramari bakora mu bikorwa by’ubwubatsi bafite icyangombwa cy’ishoramari gifite agaciro kandi bahawe uruhushya n’Urwego rushinzwe Iterambere mu Rwanda rwo kwakira ubwishyu mu madovize;
b. Ibigo by’ubukerarugendo cyangwa ibigo by’ubwikorezi bifite uruhushya rufite agaciro rutangwa n’Urwego rushinzwe Iterambere mu Rwanda;
c. Ibigo byanditswe cyangwa byahawe uruhushya n’urwego rubifitiye ububasha kandi bikaba ari abanyamuryango b’igicumbi mpuzamahanga mu by’Imari cya Kigali, nk’uko byemejwe na Rwanda Finance Ltd;
d. Ikigo mpuzamahanga cy’Ubukemurampaka cya Kigali;
e. Abashoramari bakora mu bijyanye n’ubucuruzi bw’amabuye y’agaciro;
f. Ibigo bitwara abantu n’ibintu mu kirere;
g. Ibigo bicuruza amatike y’indege;
h. Ubwikorezi bwo mu mazi bwambukiranya imipaka n’ibijyanye na bwo;
i. Amaduka adasora;
j. Kasino.
k. Amashuri mpuzamahanga, Kaminuza n’Amashuri Makuru;
l. Abagemurira cyangwa abatanga serivisi ku bakozi ba za ambasade, imiryango mpuzamahanga ya Loni, Konsila n’indi miryango mpuzamahanga bihuje inshingano bemerewe gukorera mu Rwanda;
m. Umukozi w’umunyamahanga wemerewe gukorera mu Rwanda, cyangwa undi mukozi ukorera ikigo gikoresha amadovize kiyakura hanze y’u Rwanda;
n. Ugemura cyangwa utanga serivisi ku bakozi b’abanyamahanga n’abantu bakira cyangwa binjiza amadovize aturutse hanze y’u Rwanda;
o. Undi muntu wese ushobora kwemererwa na Banki Nkuru.

Mu gusobanura ibishya bikubiye mu mabwiriza yihariye, Guverineri wa Banki Nkuru, Soraya Hakuziyaremye, yavuze ko amabwiriza yihariye yashyizweho akurikira ayo muri Gicurasi 2025, BNR yavuguruye amabwiriza agenga imikoreshereze y’amadevize.

Avuga ko aya mabwiriza yihariye yashyizweho nyuma y’inama nyunguranabitekerezo nyinshi n’inzego za leta bireba ndetse n’abikorera, nk’uko yabisobanuye mu nama ngarukagihembwe kuri politiki y’ifaranga n’ubutajegajega bw’urwego rw’ imari yabaye ku wa 18 Nzeri i Kigali.

BNR ivuga ko amavugurura yari ngombwa bitewe n’ibibazo byinshi byagaragaraga cyane cyane ko abakodesha inzu bavugaga ko nubwo Ifaranga ry’u Rwanda ari ryo ryememewe bo bishyuzwa mu madevize.

Mu bugenzuzi bwakozwe, BNR yabonye amasezerano arenga 700 ari mu madevize kandi ku bantu batabyemerewe, nk’uko Guverineri abisobanura.

Nyuma y’inama nyunguranabitekerezo n’abikorera ndetse n’izindi nzego za Leta, harimo Minisiteri y’Ubucuruzi n’Inganda, RDB, Minisiteri y’Imari n’igenamigambi, Ikigo gishinzwe Mine,Peteroli na Gazi na Rwanda Finance ltd, Guverineri Hakuziyaremye yasobanuye ko, Banki Nkuru yashyizeho amabwiriza yihariye agaragaza neza, abemerewe gukora ubucurizi mu madovize bitewe n’imiterere y’ibikorwa by’ubucuruzi bakora.

Yasobanuye ko hari ibyiciro bitandukanye kubera imiterere y’ibikorwa bakora byemerewe kwakira amadevize hubahirijwe ibintu runaka.

Urugero rumwe yatanze, “Ni urwego rw’ubukerarugendo, rwari rusanzwe mu zemerewe mu mabwiriza yihariye yo mu 2023, ariko ubu hanarebwa urwego rw’ubucukuzi bw’amabuye y’agaciro aho ibiciro byarwo bishyirwaho ku rwego mpuzamahanga mu madovize.”

Akomeza agira ati “Twanarebye amashuri mpuzamahanga, ndetse n’amashuri makuru yakira abanyeshuri b’abanyamahanga. Twanarebye kandi abakorana n’abanyamuryango b’igicumbi mpuzamahanga mu by’Imari cya Kigali, ndetse n’Ikigo mpuzamahanga cy’Ubukemurampaka cya Kigali,”

Ku mahame rusange, Guverineri Hakuziyaremye yasobanuye ko, nta munyarwanda cyangwa utuye mu Rwanda wahatirwa kwishyura mu madovize cyangwa ngo niyishyura mu mafaranga y’u Rwanda bayange.

Yizeza ko imigirire itemewe yagaragaraga izagabanuka kubera Amategeko n’Amabwiriza yihariye.

Guverineri Hakuziyaremye yashimangiye ko aya mabwiriza yubahiriza ubwisanzure ku Banyarwanda bwo kugira konti mu madovize ndetse no ku bashoramari b’abanyamahanga.

Aya mategeko n’amabwiriza yihariye azakurikirwa n’ubukangurambaga no gufatanya n’abafatanyabikorwa bo mu bikorera ari nako harebwa niba hari ibindi bikorwa by’ubucuruzi bikeneye kwishyurwa mu madovize kugira ngo byongerwemo.

Uburyo ubusabe butangwa n’ibisabwa ku batavuzwe mu bemerewe kwakira amadevize

Ubusabe bwo kwakira ubwishyu mu madovize bunyuzwa mu ishami rishinzwe ibigo by’imari bitakira amafaranga abitswa, ku muyoboro wa https://e-correspondence.bnr.rw/

Urwandiko rw’ubusabe bwo kwakira ubwishyu mu madovize buherekezwa n’izindi nyandiko zirimo, inyandiko igaragaza impamvu isaba ko ibikorwa by’ubucuruzi bikorwa mu madovize, ikimenyetso cy’ingano y’umubare uteganyijwe w’amadovize yinjira n’asohoka, hamwe n’icyemezo cy’iyandikishwa ry’isosiyete.

Ibindi bisabwa ni icyemezo cyangwa amasezerano agaragaraza ubwishyu buheruka gukorwa mu madovize, raporo y’imari igaragaza ibikorwa byakoreshejwemo amadovize mu myaka ibiri ishize (niba ihari), ndetse n’ibyemezo by’inzego byashyigikira ubusabe(urugero: bitanzwe na RDB…) cyangwa izindi zasabwa na BNR.

Isuzuma ry’ubusabe n’itangwa ry’uruhushya

Banki Nkuru y’u Rwanda imenyesha ko yakiriye ubusabe bwuzuye mu gihe cy’iminsi itanu (5) y’akazi, ikagaragaza ko ubusabe bwuzuye cyangwa ko hari ibiburamo. Isuzuma ko byuzuye, ukuri n’umwimerere w’ibyo yashyikirijwe.

Banki Nkuru ifata icyemezo cyo gutanga uruhushya cyangwa kwanga ubusabe mu gihe kitarenze iminsi makumyabiri (20) y’akazi ibarwa uhereye ku munsi yakiriyeho dosiye yuzuye.

Iyo ubusabe butemewe, igisubizo cya Banki Nkuru kigaragaza impamvu.
Iyo Banki Nkuru idatanze igisubizo mu gihe giteganyijwe, imenyesha uwasabye impamvu z’ubukererwe.

Icyo gihe, gutanga igisubizo byongerwaho iminsi itarenga icumi (10) y’akazi. Iyo muri iyo minsi nta cyemezo n’ibisobanuro bitanzwe, ubusabe bufatwa nk’aho bwemewe.