Menya ‘Gwiza’ ya Banki y’Abaturage ubitsamo ikayagusubiza yongeyeho inyungu

Ubushakashatsi bwiswe ‘FinScope’ bwakozwe muri 2019/2020 n’Ikigo cy’Ibarurishamibare (NISR) hamwe n’abafatanyabikorwa, bugaragaza ko u Rwanda rutuwe n’abafite nibura imyaka 16 y’ubukure barenga miliyoni zirindwi n’ibihumbi 100 (7.1millions).

Aba ni abantu babona ibibatunga bakoresheje amaboko n’ubwenge byabo, cyangwa ababihabwa nk’inkunga yo kubunganira mu mibereho.

Muri aba bose, abangana na miliyoni imwe n’ibihumbi magana ane (1.4 million) bahwanye na 21%, ni bo bonyine bafata ku mafaranga binjiza bakayazigama muri banki bagamije kuzayabikuza nyuma y’igihe hiyongereyeho inyungu.

Uwitwa Mukashyaka utuye ku Gisozi muri Gasabo avuga ko mu myaka itandatu ishize yabaga mu nzu y’abandi yishyura ubukode buri kwezi, ariko ubu atuye mu nzu yiyubakiye afatanyije n’uwo bashakanye.

Mukashyaka avuga ko urugo rwabo rwinjizaga amafaranga nk’ibihumbi 400 buri kwezi, baza kwigira inama yo kuzigama 1/2 cy’uwo mushahara, hashize umwaka bajya kuri banki ibereka ya mafaranga yariyongereyeho 8% by’ayo bazigamye buri kwezi.

Nyuma y’igihe bagiye kubikuza ya mafaranga bagura inzu barayivugurura bayimukiramo, ubu baratuje kuko nta muntu uza kubakomangira abishyuza ay’ubukode buri kwezi.

Mukashyaka yagize ati “Iyo tutayabika ngo agwire tuba tukiri mu bukode, umushahara w’ukwezi kumwe ntabwo wakubakira inzu, ariko iyo ushyize duke duke kuri konti ‘bloqué’ turagwira, ukatuguramo ibyo ushaka byari byarakunaniye kugura”.

Kugeza ubu umuntu wese ufite amafaranga ibihumbi bitanu (5,000Frw) yayaheraho akayabitsa muri Banki y’Abaturage (BPR Atlas Mara) kuri konti yitwa ‘Gwiza Savings Account’.

Uretse inyungu ya 8% buri mwaka yiyongera ku mafaranga umuntu yagiye abitsa buri kwezi kuri iyo konti, umukiriya yemerewe no kubikuzaho atarenga 30% byayo buri gihembwe.

Ibyiza biri mu kwizigamira mu gihe kirekire nk’ubu buryo bwo kugira konti ya ‘Gwiza’, ni uko hari abandi bantu baba bakeneye inguzanyo muri banki, bagahabwa kuri aya mafaranga bagenzi babo baba baragiye babitsamo.

Banki y’Abaturage (BPR Atlas Mara) igira inama abantu ko aho kugira ngo bakoreshe amafaranga maze bazigame asigaye, ahubwo umuntu yabanza kuzigama agakoresha asigaye.

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