BRD mu nzira zo gushyiraho ubundi buryo bwo kwishyuza abahawe inguzanyo zo kwiga kaminuza

Yanditswe na Habimana James
Kuya 10 Kamena 2019 saa 07:14
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Banki y’u Rwanda itsura Amajyambere (BRD) yatangaje ko irimo gushaka uko yashyiraho ubufatanye n’ibigo bitandukanye, ngo hahindurwe uko amafaranga leta yishyuriye abanyeshyuri muri kaminuza agaruzwa.

Umuyobozi ushinzwe imari muri BRD, Murangayisa Emmanuel yavuze ko uburyo bushya bwo kugaruza aya mafaranga bukenewe kuko ubwari busanzwe burimo gutanga umusaruro muke.

Ibikorwa gutera inkunga abanyeshuri biga muri Kaminuza byatangiye mu 1980. Kuva icyo gihe hamaze gutangwa miliyari 188 Frw nyamara miliyari 7.5Frw gusa nizo zimaze kwishyuzwa.

Ayo mafaranga yagiye acungwa n’inzego zitandukanye zirimo Minisiteri y’Uburezi, Ikigo cy’Igihugu cy’Uburezi, REB, n’ibindi, gusa mu rwego rwo kunoza uko aya mafaranga acungwa, mu 2015 byashyizwe muri BRD.

Kugeza ubu impungenge zihari ni uko muri miliyari 188 Frw, 4% byayo ari yo amaze kugaruzwa, naho ku bantu ibihumbi 94 bahawe aya mafaranga, 85 gusa nibo bamaze kwishyura nk’uko The New Times yabyanditse.

Murangayisa ati “Kugeza ubu twamaze gutanga ibyemezo 85 ku bantu byerekana ko bamaze kwishyura ariko abandi baracyari mu nzira cyo kwishyura, ubu ikigezweho ni ukumenya aho abo bantu bose bishyuriwe bari no kumenya aho bakorera.”

Bumwe mu buryo bukoreshwa na BRD mu kugaruza aya mafaranga harimo kubwira abakoresha bakajya bakata igice kimwe cy’umuhara wabo wa buri kwezi, akoherezwa muri iki kigega.

Ikibazo gihari ni uko bamwe mu bahawe aya mafaranga bikorera ku giti cyabo, cyangwa ibigo bakoramo bikaba bitagaraza ubufatanye.

BRD yavuze ko irimo gushaka uko yajya igaruza aya mafaranga no kuri ba bandi badafite umushahara uhoraho cyangwa bakora akazi kadahoraho.

Murangayisa ati “Amabanki aba azi neza aho bantu, ubu turimo gushaka ubundi buryo twajya tubishyuza nko kuganira n’abahawe inguzanyo kugira ngo bagaragaze uko bazajya bishyura bigendanye n’umushahara wabo.”

BRD kandi irimo gushaka uko yakoresha uburyo bw’ikoranabuhanga kugira ngo imenye neza abo bantu no gukoresha Mobile Money mu kwishyura.

Bamwe mu bahawe iyi nguzanyo bavuga ko iyaba uburyo bwo kwishyura bwanozwaga byakorwa neza. Bavuga ko amabwiriza yo kwishyura 8% by’umushahara w’umuntu ari amafaranga menshi.

Umwe yagize ati “Ni byiza kwishyura ariko 8% ni amafaranga menshi, byagombaga kuba nka 5%.”

Hari kandi n’abavuga ko kubera ko nta buryo bwiza buhari bwo kwishyura no gukurikirana wa wundi wishyuye, hari abishyura ariko bagakomeza gukatwa n’igihe barangije. BRD yo igaragaza ko amakuru atangwa neza nubwo hari ahagaragara amakosa ku buryo hari abakatwa amafaranga menshi.

Murangayisa ati “Iki cyaba ikibazo ku bahawe inguzanyo n’abakoresha babo kuko banki zitanga umubare w’amafaranga agomba gukatwa buri kwezi, ikibazo cyaba kiri hagati y’umukozi n’umukoresha bakajya bamenya igiye batangiye gukata n’igihe bazasoreza.”

Umuyobozi w’urugaga rw’Abikorera, PSF, Robert Bafakurera yavuze ko BRD ibegereye bagakorana byagira uruhare runini mu kugaruza aya mafaranga.

Yavuze ko usanga BRD itabegera, ko mu gihe baba bakoranye bashobora kumenya abakoresha banga kubwira abakozi babo kwishyura, icyo bakagishakira umuti.

Kugaruza amafaranga yarihiwe abanyeshuri muri kaminuza ntabwo birimo kwihuta uko byifuza

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