Mu gihe umwaka utangira ni nako Abanyarwanda benshi bafite imishinga itandukanye bakomeje kuyishakira inguzanyo hagamijwe ahanini kwiteza imbere no kuba ba rwiyemezamirimo muri rusange.

Mu gusesengura ibibazo abaka inguzanyo bahura na byo n’uko bikemurwa, IGIHE yasuye Banki y’iterambere y’u Rwanda (BRD) isanga iyi banki ahanini yibanda ku izamuka ry’ubukungu n’impinduka zikomoka ku nguzanyo z’igihe kirekire ku mishinga y’iterambere; aha bikaba bitandukanye na Banki z’ubucuruzi usanga ahanini zibanda ku gukusanya amafaranga no gutanga inguzanyo nto n’iziringaniye.

Ibice BRD ikunze gutera inkunga

Mu kiganiro kirambuye n’Umuyobozi ushinzwe ishoramari muri BRD, Manzi Benjamin yagaragaje ibice/inzego BRD ikunze gutangamo inguzanyo, anasobonura impamvu aribyo byibandwaho.

Manzi avuga ko muri rusange BRD itanga inguzanyo mu bice byose bifite aho bihurira n’iterambere ry’u Rwanda, birimo ubuhinzi n’ubworozi, inganda, ubucuruzi n’amahoteli, ubucukuzi bwa mine, amazi n’ingufu, ubwubatsi n’inguzanyo ku macumbi, ibikorwa remezo by’iterambere (amashuri n’amavuriro) no kongera guha inguzanyo no gushyigikira ibigo by’imari biciriritse.

Yagize ati “Urugero, ubuhinzi ni igice twibandaho cyane kuko butanga akazi ku bantu benshi. Inguzanyo dutanga ishyigikira ubuhinzi bubyara umusaruro ugemurwa ku masoko aho kuba uwo kwirira gusa.”

Asobanura ko mu bijyanye na serivisi n’inganda, inguzanyo BRD itanga igamije kongera umusaruro w’inganda mu rwego rwo kongera ibyoherezwa ku masoko mpuzamahanga, no kugabanya iby’igihugu gitumiza hanze. Mu gutanga inguzanyo muri uru rwego, BRD inashyigikira iterambere rya serivisi nziza nko mu bukerarugendo aho usanga hubakwa amahoteli n’ahantu hatangirwa serivisi nkenerwa hagamijwe korohereza ubucuruzi.

BRD mu gushyigikira ibigo by’imari iciriritse

BRD inashyigikira ibigo by’imari iciriritse; ibi bikaba bikorwa mu buryo bwo kuguriza ibyo bigo kugira ngo bikomeze bitere imbere mu bucuruzi bikora.

Manzi ati “Ibi bigo tubyongerera ubushobozi mu mafaranga ndetse tukanabifasha kubona ubufasha mu bya tekiniki hagamijwe kunoza ibikorwa. Ni muri urwo rwego iyo tunyuze muri ibyo bigo kugera ku bafite imishinga mito n’iciriritse biroroha; ahanini kandi bikanajyana n’uburyo ibyo bigo bikoresha biguriza abo ba rwiyemezamirimo. Ubufatanye bwacu n’ibyo bigo butuma tugera ku Banyarwanda benshi.”

Gushyigikira imishinga y’amazi n’ingufu

Muri uru rwego, BRD itanga inguzanyo ku mishinga ifite aho ihurira n’ibidukikije, ahanini igamije gufasha muri gahunda za Leta zigamije kongera umubare w’abakoresha ingufu z’amashanyarazi; nabyo byunganira iterambere.

Manzi yongeraho ko ubu, “BRD irajwe inshinga no gushyigikira ibikorwa by’iterambere birimo kubaka amashuri, amasoko n’ibitaro binyuze mu gutanga inguzanyo ku ishoramari ry’abikorera mu burezi n’ubuvuzi nabyo bikaba bigabanyiriza Leta amafaranga yajyaga ishora muri ibyo bikorwa.”

Inama kugira ngo ubone inguzanyo ya BRD

BRD nk’ibindi bigo by’imari mu gihugu igengwa n’amabwiriza ya Banki Nkuru y’igihugu bityo, ikaba igomba kubahiriza imirongo ngenderwaho yashyizweho kugira ngo umuntu ahabwe inguzanyo yo gushora imari.

Urugero, bimwe mu bisabwa ngo ubone inguzanyo nto, iciriritse n’inini, ubanza gutanga umwirondoro, kugaragaza ko ufite ubushobozi mu bya tekiniki bwo gucunga umushinga, byibuza kuba ufite hagati ya 30% na 50% by’ikiguzi cy’umushinga n’inyigo y’umushinga inonosoye.

Hiyongeraho kandi ko BRD yaka ingwate mu rwego rwo gucunga umutekano w’inguzanyo; ariko kandi BRD ikaba ikorana n’ikigega gitanga ingwate (BDF) mu korohereza abaka inguzanyo.

BRD asaba abakiriya kunyurwa n’nyungu iyi banki yaka ku nguzanyo yatanze.

Manzi yagize ati ”Turashishikariza ba nyir’imishinga kwiyumvamo inyungu twaka kuko iba iri hasi kandi yumvikanyeweho n’impande zombi bitewe n’uburyo uzishyura amafaranga wahawe agufasha kuzamura umushinga wawe. Kwishyura mu gihe kirekire biterwa n’amafaranga washoye mu mushinga”

Izindi Serivisi zihabwa abaka inguzanyo muri BRD

Yongeraho ko hari n’itsinda rikorana bya hafi n’abakiriya; aho ritanga amakuru yose nkenerwa kugira ngo ubashe gushyigikirwa na BRD ikuguriza ngo uzamure umushinga wawe.

BRD kandi itanga inama n’ubushobozi kubahura n’ibibazo byo gucunga imishinga yabo neza; bakabafasha gutekereza neza ku mishinga yabo bityo ikabasha guhabwa inguzanyo n’uburyo bwo kuyicunga n’ishyirwa mu bikorwa ryayo.

BRD itanga amasomo n’ubumenyi bwa ngombwa ku bifuza gucunga imishinga yabo neza; ayo masomo agatangwa ku bufatanye na BDF na BIB itanga serivisi z’ubumenyi mu guhanga imishinga y’iterambere n’amahugurwa ku micungire y’imishinga.

Izi serivisi kandi ziboneka ku bigo by’iterambere ry’ubucuruzi (BDC) byashyizwe muri buri murenge bikanashyigikirwa na BDF. Manzi avuga ko ibi ari ibigaragaza uburyo BRD igera ku bayigana, urugero ari mu 2013 abagera kuri 60% bagurijwe baturutse mu zindi ntara mu gihe 40% by’abahawe inguzanyo ari ab’i Kigali.