Iyo kuzigama kukiri hasi urwego rw’imari nta mafaranga ahagije ruba rufite, kugira ngo rushobore gukora ishoramari rihagije, bigatuma ubukungu bw’Igihugu butazamuka mu buryo bwihuse.

U Rwanda rwihaye intego y’uko mu 2050, urwego rw’imari ruzaba rushobora kunganira nibura 12% ku musaruro mbumbe w’Igihugu, ariko bikaba bidashobora kugerwaho mu gihe inzego zose zifite aho zihuriye n’urwego rw’imari zidakoreye hamwe, zikunganirana neza kugira ngo intego n’imibare byateganyijwe kugerwaho mu myaka iri imbere bizabashe kugerwaho.

Mu rwego rwo kwimakaza iyo mikoraniranire, kuri uyu wa Kane tariki 16 Ukwakira 2025, abayobozi mu nzego za Leta, abikorera na bamwe mu bafatanyabikorwa barimo Mastercard Foundation bahuriye mu nama nyunguranabitekerezo, yo gutangiza ishyirwa mu bikorwa rya Gahunda y’Iterambere ry’Urwego rw’Imari ya 2025-2030 (Financial Sector Development Strategy).

Ni gahunda igamije guteza imbere urwego rw’imari rufunguye kuri bose, rurambye kandi rushobora guhangana n’ibibazo by’ubukungu, bizatuma rugira uruhare mu kugera ku ntego z’Icyerekezo 2050.

Abayitabiriye baganiriye ku gukemura ibibazo bikigaragara mu rwego rw’imari, birimo ubwizigame n’ubwishingizi bikiri hasi, isoko rito, ubumenyi buke mu by’imari, icyuho mu bumenyi bw’abakozi, ibura ry’ishoramari mu masoko y’imari, n’inzitizi zishingiye ku ikoranabuhanga n’itumanaho.

Minisiteri y’Imari n’Igenamigambi ivuga ko aho bashaka kugana ari uko inzego zose zifasha ubukungu bw’Igihugu zirimo ubuhinzi, ubwubatsi, ubwikorezi, ubuzima, ubucukuzi bw’amabuye y’agaciro, bose bashobora kubona amafaranga akenewe mu buryo bworoshye kugira ngo bashobore gushora imari mu nzego zitandukanye.

Umuyobozi Mukuru w’Urwego rw’Imari muri MINECOFIN, Hubert Asiimwe, avuga ko bimwe mu bikubiye muri gahunda y’iterambere ry’urwego rw’imari y’imyaka itanu, harimo kuba bashobora gukusanya ubwizigame buhagije.

Ati “Imbogamizi dukunze kugira cyane, ni uko kuzigama kukiri hasi, iyo kuzigama kukiri hasi, urwego rw’imari nta mafaranga ahagije ruba rufite kugira ngo rukore ishoramari rihagije. Mu ngamba zirimo ni uko nibura dushobora gukusanya ubwizigame buhagije ariko bw’igihe kirekire, dushobora kubika, tugashyira no mu nzego zitandukanye (ishoramari), kuko iyo ubwizigame buhari n’amafaranga yo gushora imari aba ahari.”

Ahandi hazashyirwa imbaraga muri iyo myaka itanu, ni mu bijyanye no kwishyurana (Payment system) bikorwa n’ibigo by’ikoranabuhanga bitandukanye, bizongerwamo imbaraga ariko hatekerezwa uko ikiguzi cyabyo cyakorohereza buri wese, kugira ngo bifashe mu kurandura gahunda yo guhererekanya amafaranga mu ntoki.

Kuba Abanyarwanda 2% gusa ari bo bafite ubwishingizi hatabariwemo abafite mituweli, nabyo ni ikindi kibazo kuko benshi mu bakora ubucuruzi badashinganisha ibicuruzwa n’imitungo yabo, bigatuma iyo bahuye n’ibiza ntacyo baramura. Muri iyi gahunda ibigo by’ubwishingizi bikaba bizashyira cyane imbaraga mu kwegera abaturage batanga serivisi zitandukanye zishingira imitungo yabo.

Asiimwe ati “Uyu munsi urwego rw’imari rutanga 2% ku musaruro mbumbe w’Igihugu, ugiye kureba ibindi bihugu birimo ibirwa bya Maurice, byo bimaze kugera kuri 12%, bivuze ngo urwego rw’imari rwabo rumaze gukura neza. Natwe niho dushaka kugana, turashaka nibura kurenza 12% ariko nitugera kuri urwo rwego niho tuzabonera urwego rw’imari rutangiye gushyira amafaranga ahantu hose hakenewe h’Igihugu, kugira ngo babone inyungu ari n’Igihugu cyacu gitere imbere mu buryo bwagutse.”

Umuyobozi Mukuru w’Urwego rw’Ubwiteganyirize mu Rwanda (RSSB), Regis Rugemanshuro, avuga ko kugira ngo kuzamura urwego rw’ubwiteganyirize bizabashe kugerwaho neza, ari uko amakuru batanga agomba kuba akoze ku buryo abayagenerwa bagomba kuba bayumva neza, bakava mu byo kwamamaza bakajya kubisobanura no kubyigisha.

Ati “Ibicuruzwa byo kwizigamira ntabwo ari ibyo ugurisha gusa, uba ugomba no kubisobanura ku buryo ubiguze yumva ibyo aguze, atari ukugira ngo abantu bizigamire kuko bagomba kwizigamira, ahubwo bizigamire kuko bumva inyungu babifitemo.”

Dianna Kareba, umukozi wa Rugori Investment Network, avuga ko bakorana na ba rwiyemezamirimo b’abagore kugira ngo bashobore kugera ku mari baba bakeneye.

Ati “Dufite gahunda yo gukorana na ‘Ejo Heza’ kugira ngo babahugure mu buryo bashobora kwizigamira, n’abakozi bakoresha mu mishinga yabo babone uko babazigamira muri Ejo Heza, ariyo itanagoye nk’izindi kuko abenshi bumva ko ari ibintu bishobora kuba bihambaye cyangwa bisaba amafaranga ahambaye.”

Imibare ya RSSB igaragaza ko abiyandikishije muri Ejo Heza barenga Miliyoni 4.2, naho abizigamira bo barenze Miliyoni 3.8, mu gihe ubwizigame bwa Ejo Heza bugeze kuri Miliyari 80Frw.

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Amafoto: Eric Ruzindana