Amabanki yo mu Rwanda ashobora kugabanya inyungu ku nguzanyo

Kuba mu Rwanda hakomeje kugaragara ubwiyongere bwa za banki z’ubucuruzi bishobora kuzaba byiza ku baturage bakazungukira mu guhangana ku isoko kw’izi banki kuko zishobora kugabanya inyungu yakwa ku nguzanyo.

Amabanki y’ubucuruzi mu gihugu mu mpera z’umwaka ushize yari yongeje inyungu isabwa ku nguzanyo kugira ngo bizigamire inyungu mu gihe kizaza ubwo agaciro k’ifaranga kazaba kagabanutse.

Nk’uko tubikesha ikinyamakuru The East African, ibarurishamibare riheruka ryerekana ko inyungu ku nguzanyo yavuye kuri 17.04% mu Gushyingo rigera kuri 15.63% mu mpera z’Ukuboza, ibi bikorwa mu gihe inyungu itangwa ku mafaranga yabikijwe yageze kuri 7.17% mu Gushyingo 2011 ivuye kuri 6.84 % mu Kuboza 2010.

Inzobere mu rwego rwa za banki zivuga ko bishoboka ko banki zagabanya inyungu isabwa ku nguzanyo bivuye ku ihangana rya za banki nyinshi ziri ku isoko ndetse n’uburyo haboneka amafaranga menshi abitswa aturuka mu bice by’icyaro nk’Umurenge SACCO. Amafaranga abitswa muri za SACCO yiyongereyeho 12.1% mu mwaka ushize, harimo kuba inyungu ku nguzanyo yariyongereyeho kuri 17.0 % mu gihe abitswa yo yiyongereyeho 4.3%.

Uguhangana ku isoko rya za banki mu gihugu rikomeje kwiyongera bivuye ku kwinjira mu Rwanda mu mwaka ushize kwa Equity Bank yo muri Kenya na Business Partners Rwanda ni ikigega kizajya cyita kuri ba rwiyemezamirimo bato n’abaciriritse babaha inama mu bucuruzi n’uko bakunguka cyane.

Equity yafunguye imiryango yayo mu Rwanda mu cyumweru gishize, ifite amashami 10 mu gihugu. Ibi bizaba ari inyungu ku kwiyongera kw’ibigo bibiri by’ishoramari riciriritse ku rwego rwa za banki mu gihugu.

Simon Peter Karenzi, Umuyobozi w’ikigo Dyer and Blair Securities Rwanda, yagize ati : “Inyungu ku nguzanyo izagabanyuka kuko hazaba hari guhangana ku isoko ndetse n’amabanki yifuza abakiriya benshi mu gihe bashobora kubona inguzanyo ku giciro cyo hasi muri za SACCO ; aha Banki Nkuru y’Igihugu yo yagumije hamwe inyungu ku nguzanyo”.

Mu gihe Banki Nkuru y’Igihugu yavuguruye inshuro ebyiri politiki yo kurwanya ko ifaranga ryata agaciro byose byakozwe mu mpera za 2011, inzobere mu bya banki zivuga ko nta kibazo kizabaho cyo guta agaciro kw’ifaranga ry’igihugu bitewe n’uko mu gihugu hari amafaranga menshi abitswe.

Mu mwaka ushize, guta agaciro kw’ifaranga mu Rwanda ntabwo kwakabije kuko ryagumye ku 8.3% mu Kuboza 2011, mu gihe mu bihugu bigize Umuryango w’Afurika y’Iburasirazuba byo ifaranga ryataye agaciro cyane nko muri Uganda ryataye agaciro kugeza kuri 27.0% mu Kuboza 2011, Tanzania riri kuri 19.8%, Kenya riri kuri 18.9% naho mu Burundi ryari kuri 14.9 %.

Umuyobozi Mukuru wa Banki ya BCR, Sanjeev Anand, yagize ati : “Nibyo, inyungu ku nguzanyo ntabwo izigera yiyongera ; bishoboka ko izaguma hamwe cyangwa ikamanuka kuko hari amafaranga menshi ku isoko. Ndizera ko uguta agaciro kw’ifaranga kuzaguma munsi y’10%.”