Uzajya uhabwa inguzanyo binyuze muri iyi serivisi, azajya yishyura ku nyungu ya 1,3% ku kwezi (15,6% ku mwaka), ndetse agabanyirizwe igiciro cy’ubwishingizi bw’ibikorwa bye.
Umugore udashaka inguzanyo ariko ashaka ubwishingizi ku bikorwa bye, ashobora kubona igabanyirizwa ry’ibiciro binyuze muri serivisi ya Isheja.
Ni serivisi yamurikiwe ku Cyicaro Gikuru cya Equity Bank Rwanda mu Mujyi wa Kigali kuri uyu wa 30 Werurwe 2026, aho ibyo bigo byombi byahagarariwe.
Abagore bose bari mu ishoramari, abakozi b’umushahara, cyangwa abagore bari mu matsinda y’ubucuruzi ni bo bagenewe iyi serivisi. Bitewe n’ubushobozi bwa buri mugore, inguzanyo ahabwa ishobora kuva kuri miliyoni 1 Frw. Abagore bazahabwa kandi amahugurwa ku bucuruzi n’ishoramari hamwe n’inama zifatika zo guteza imbere ibikorwa byabo.
Umwihariko w’iyi serivisi ni uko buri mugore uhabwa inguzanyo azajya aba anafite ubwishingizi, waba yarafashe inguzanyo cyangwa utarayifashe. Urugero nk’igihe umugore asabye inguzanyo agatanga ingwate y’inzu, ariko iyo nzu igashya, MUA Insurance Rwanda ni yo izajya isana ya nzu ku buryo imikoranire ya banki n’umukiliya ikomeza bisanzwe nta bihombo bibayemo.
Ibyo kandi ni na nako bigenda ku bindi byatanzweho ingwate nk’ibinyabuziga, igihe cyangiritse MUA Insurance Rwanda ni yo igira uruhare mu kugikoresha, cyangwa se ikishyura igihombo mu gaciro cy’icyo kinyabiziga mu gihe cyangiritse burundu.
Ikindi ni uko nyuma y’uko bigaragaye ko abagore bari mu bagana ibigo by’imari basaba inguzanyo bakagorwa no kubona ingwate, boroherejwe ku buryo umugore ashobora kwishyura 25% by’ingwate yose asabwa, akishingirwa agera kuri 75% asigaye.
Hari kandi no kuba uwo mukiliya w’umugore iyo agiye mu kiruhuko cyo kubyara, asonerwa ubwishyu bw’amezi atatu kuri ya mafaranga aba agomba kwishyura banki buri kwezi mu gihe yafashe inguzanyo.
Naho nk’igihe ari mu kazi ke, imodoka imutwara mu kazi cyangwa se itwara ibicuruzwa bye ikagira ikibazo ikaba yakora impanuka, ahamagara ku murongo 2323 utishyurwa agasaba ubufasha agahita yohererezwa imodoka izwi nka ‘Breakdown’ itwara izindi modoka zirimo n’izakoze impanuka. Umukiliya kandi aba ahawe imodoka imufasha mu gihe iye iri mu igaraje, ntihagire ubukererwe bugaragara mu bikorwa bye bya buri munsi.
Umuyobozi w’Ishami rishinzwe ibijyanye n’ubwishingizi muri Equity Bank Rwanda, Ngarambe Frank yavuze ko imwe mu mpamvu zatumye abagore bashyirirwaho iyi serivisi ya ‘Isheja’, ari uko ubushakashatsi butandukanye bwagaragaje ko abagore basabye inguzanyo ari bo bayishyura neza ugereranyije n’abagabo, ibyatumye hatekerezwa uburyo bwo kuborohereza kuba bayisaba mu kwagura ibikorwa byabo.
Ati ‘‘Abagore ni bo bantu bishyura neza ariko mu by’ukuri ugasanga mu bijyanye no kwitabira gufata inguzanyo kugira ngo biteze imbere, bagenda gahoro gahoro wenda bitewe n’uko abo bagore bataba bahawe n’ubushobozi.’’
Umuyobozi wa MUA Insurance mu Rwanda, Konde Bugingo, yavuze ko ubushakashatsi bwanagaragaje ko abagore batwara ibinyabiziga ari bo bigengesera cyane bagakora impanuka nke ugereranyije n’abagabo, bityo ko iyi serivisi yaje kuborohereza akazi banagabanyirizwa igipimo bishyuraho inyungu iyo basabye ubwishingizi bw’ibikorwa byabo birimo n’izo modoka bifashisha.
Ati ‘‘Ni n’ingenzi cyane kuvuga ku mibare, mu myaka isaga 15 ishize abagore ni bo batwaraga ibinyabiziga neza. […] kubera iki twakomeza gusaba abagore amafaranga y’ubwishingizi nk’abagabo, mu gihe ibihombo ari byinshi ku ruhande rw’abagabo?’’
Inyungu yishyurirwaho inguzanyo binyuze muri ‘Isheja’ ingana na 15,6% ku mwaka (1,3% ku kwezi), hakongerwaho no kugabanyiriza abagore ku bijyanye n’ubwishingizi bw’ibikorwa byabo. Bagabanyirizwaho 10% ku biciro bisanzwe.
Abagore kandi bazagana ibi bigo muri gahunda ya ‘Isheja’, bazajya bahabwa amahugurwa ku gukora ishoramari, ndetse umugore umaze umwaka adasabye serivisi yo kwishyurirwa ibihombo by’ubwishingizi ahembwe kuba yahabwa ikarita yo guhahiraho, uwazanye umukiliya mushya na we ahembwe.
