Ni umubare ukiri muto ugereranyije n’akamaro k’ubwishingizi mu iterambere ry’ababufata n’ubukungu bw’igihugu muri rusange.

Benshi mu batwara ibinyabiziga ni bo usanga baramaze kugira umuco wo gushinganisha ibinyabiziga byabo cyangwa kwishinganisha ku mitungo y’abandi bashobora kwangiza.

Nyamara usanga ubwishingizi kuri iki gihe bwarageze mu nguni zose byaba ubuzima, uburezi, ubucuruzi, impanuka, inkongi, ubuhinzi, imitungo yimukanwa n’itimukanwa n’ibindi.

Muri rusange umusaruro mbumbe w’ubwishingizi mu Rwanda ungana na 1,7%. Inzego zitandukanye zifite aho zihurira n’ubwishingizi zigaragaza ko hari ibikwiye gukorwa ngo Abanyarwanda babwitabire kurushaho.

Serivisi z’ubwishingizi mu Rwanda zatangiye mu 1975 ubwo Leta yashyiragaho Ikigo cy’Ubwishingizi, SONARWA nyuma hagenda havuka ibindi.

Banki Nkuru y’u Rwanda yahawe inshingano zo kugenzura urwego rw’ubwishingizi mu Rwanda yemeza ko hari byinshi bimaze gukorwa.

Imibera ya BNR yerekana ko kuri ubu hari ibigo 17 by’ubwishingizi birimo icyenda bifite ubwishingizi bw’igihe gito, bitatu bitanga ubw’igihe kirekire, bitatu bya Leta bitanga ubwishingizi bw’ubuvuzi, ibitanga ubwishingizi bwihariye, igitanga ubujyanama mu bwishingizi, ibigo 15 by’abahuza mu bwishingizi n’abahuza mu bwishingizi rusange barenga 1000.

Kugeza ubu kandi amabanki agera ku icyenda yemerewe kuba abahuza mu bigo mu by’ubwishingizi ndetse hari n’abagomba kugena agaciro bigenga babarizwa mu bigo 16 binyuranye.

Umuyobozi Mukuru w’Ikigo cy’Ubwishingizi cya Radiant, Rugenera Marc, mu Kiganiro Dusangire Ijambo cya RBA, yavuze ko ubwishingizi butangira mu Rwanda benshi batabuhaga agaciro ari na yo ntandaro y’ubwitabire buke.

Ati “Mu nshingano nyinshi umuntu aba afite ahera mu biri hafi, ubukangurambaga burakorwa ariko wenda ntibwashyizwemo imbaraga. Gusobanura ni uguhozaho kuko n’ibi tuvuga hari Abanyarwanda usanga batabyemera.”

Yavuze ko nubwo abantu bakiri bake ariko bazagenda biyongera buhoro buhoro.

Ati “Muribuka mituweli zitangira abazitabiraga banganaga iki? Buhoro buhoro biragenda bizamuka, dukeneye ko hongerwamo imbaraga abantu bakagenda biyongera. Gukoresha ikoranabuhanga, turebe uburyo twagera ku bintu bidahenze kandi bikabageraho mu buryo bwihuse.”

Umuyobozi ushinzwe ibijyanye n’Ubwishingizi na Pansiyo muri BNR, Niyonizeye Dilme Drimas, yagaragaje ko mu bigize inkingi y’iterambere ry’Igihugu ubwishingizi na bwo buzamo kandi hazamo ubugenzuzi mu kurengera inyungu z’umuturage.

Ati “Mu 2007 ni bwo Leta yashyize ubugenzuzi bw’ubwishingizi muri BNR, ku ruhande rumwe abishingizi bari mu ishoramari na wa mukiliya abazi ko igihe yahuye n’ikibazo, aba yizeye ko azamugoboka. Ni yo mpamvu habaho ubugenzuzi ngo inyungu z’umukiliya zirebweho.”

Yavuze ko mu rwego rwo kuzamura umubare w’abakoresha serivisi z’ubwishingizi mu Rwanda, ibigo bitanga izo serivisi bikwiye gutangira guhanga udushya no kureba serivisi z’ubwishingizi zireba abasanzwe batabwitabira.

Ati “Abo 83%, iyo ubarebye benshi usanga bari mu rubyiruko, abagore cyangwa ba bandi bakora ibikorwa biciriritse; rero icyo dusaba abishingizi ni ukureba kuri ibyo bice bititabwagaho, bagahanga udushya.”

Hari inyungu mu gufata ubwishingizi?

Umuyobozi wa BK Insurance, Bahizi Alex, yavuze ko ubwishingizi bufite akamaro kanini mu nzego zitandukanye butangwamo.

Yakomeje ati “Iyo ufite ubwishingizi imitungo yawe ikangirika birakugoboka mu ngano ingana n’iyo wafashe mu masezerano kandi wari utunze. Ntabwo abantu bajya mu bwishingizi ngo bazabone umutungo urenzeho ahubwo uhabwa ungana n’uwo wari utunze.”

Yatanze urugero rw’aho mu minsi ishize hateye icyorezo mu matungo abayobozi ugasanga bari gusaba abaturage kujya kwishinganisha.

Kugeza ubu muri Afurika y’Iburasirazuba u Rwanda rukukira Kenya mu kugira umusaruro mbumbe w’ubwishingizi kuko yo igeze kuri 2%.

Umuyobozi wa BK Insurance, Bahizi Alex, yemeza ko ibigo by'ubwishingizi bikwiye kongera serivisi bitanga no kuzishingira ku babigana

Umuyobozi w’iby’Ubwishingizi na Pansiyo muri BNR, Niyonizeye Dilme Drimas, yagaragaje ko BNR igenzura ibigo by'ubwishingizi mu kurinda inyungu z'abakiliya

Umuyobozi Mukuru w’Ikigo cy’Ubwishingizi cya Radiant, Rugenera Marc, yagaragaje ko uko iminsi ishira Abanyarwanda bagenda bitabira serivisi z'ubwishingizi