Niba wifuza gushinganisha ibyawe, gana Banki y’Abaturage ikugurize

Birababaje kubaka inzu nziza ikomeye, kugura imodoka cyangwa kurangura ibicuruzwa ukabitangaho akayabo, ariko mu kanya gato nk’ako guhumbya ukabona inkongi y’umuriro ibihinduye umuyonga.

Hari benshi kuri ubu bahombera ibyabo mu mpanuka nk’izi zagiye zibaho hirya no hino mu gihugu, maze bagasubira ku isuka kubera ko nta bwishingizi bwatuma bashumbushwa ibyabo byangiritse.

Banki Nkuru y’u Rwanda (BNR) ndetse n’Ikigo cy’Ibarurishamibare (NISR) bigaragaza ko mu mitungo y’Abaturarwanda bose mu gihugu (umusaruro mbumbe) ifite agaciro k’amafaranga asaga miliyari ibihumbi bibiri, 2.8% gusa ari yo mitungo yafatiwe ubwishingizi.

Ibi bivuze ko abaturage hafi ya bose bahora bahangayitse ko inzu batuyemo cyangwa bakoreramo, imodoka bagendamo cyangwa izitwara ibintu, ibicuruzwa n’ibindi bishobora kwangirika, gutembanwa n’umwuzure cyangwa inkangu no gushya bigakongoka ntibagire uwo babyishyuza.

Banki y’Abaturage y’u Rwanda (BPR Plc Atlas Mara), isaba uwakumva ari ngombwa gushinganisha imitungo ye ariko wenda akaba adashobora kubona amafaranga yose ako kanya, kugana ishami ry’iyo banki rimwegereye rikamuguriza.

Ushobora kuba waraguze imodoka nka 50 zitwara abagenzi kandi buri modoka yishyurirwa ubwinshingizi bungana n’amafaranga miliyoni ebyiri, niba kubona ayo miliyoni 100 yo kwishyurira imodoka zose bikugoye, wagana BPR ikayakuguriza.

Ni inguzanyo yiswe ‘Insurance Premium Financing (IPF)’, BPR Plc ivuga ko yishyurwa mu gihe cy’amezi 10 harenzeho inyungu itavunanye, ariko uwayifashe agatangira yishyura ako kanya amafaranga y’amezi abiri.

Inguzanyo ushobora guhabwa irahera ku mafaranga 200,000 (ibihumbi magana abiri) kugera kuri 200,000,000 (miliyoni magana abiri), kandi ukayahabwa byihuse nta mananiza yo gusabwa ingwate, kuko haba habayeho amasezerano hagati y’uwayahawe, banki hamwe n’ikigo umuntu asanzwe afatiramo ubwishingizi.

Banki y’Abaturage yashinzwe mu mwaka wa 1975, ni iya mbere ifite amashami menshi hirya no hino mu gihugu, ku buryo uwakwifuza kuyigana wese ayibona hafi ye.

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