Mu myaka mike ishize, Banki y’u Rwanda Itsura Amajyambere (BRD) yagiye yagura imikorere hagamijwe kugera ku ntego yihaye nk’intwaro ya Guverinoma mu kugera ku iterambere.

Uku kwaguka kw’imikorere ku rundi ruhande kwagiye gutera izindi mbogamizi zihariye, by’umwihariko izijyanye no kwita ku ngaruka z’iterambere n’inyungu ku ruhande rumwe – ibi bikiyongera ku kuntu ibikorwa by’ubucuruzi bitahwemye kwaguka, ku rundi ruhande hanarebwa ibikorwa bijyanye no gutanga inguzanyo zihendutse z’igihe kirekire ku bikorwa by’iterambere.

Muri urwo rwego kandi, kuba byari ngombwa kwita ku bikorwa by’iterambere bikubiye mu gice cya kabiri cya gahunda y’imbaturabukungu u Rwanda rwihaye (EDPRS 2), byatumye BRD yita cyane ku bufatanye bwazayifasha mu gushaka imari yashorwa ku gihe kirekire.

Iyi banki yashyize imbere ibikorwa byo kuyifasha mu gushakisha uko ubu bufatanye bwashyirwa mu bikorwa, mu rwego rwo gushyira ingufu ku nshingano z’ibanze zayo nka Banki y’Iterambere.

Kuba Atlas Mara yaregukanye igice cy’Ubucuruzi cya BRD bivuze iki?

Umwaka ushize i Washington muri Leta Zunze Ubumwe z’Amerika habereye umuhango wo gushyira umukono ku masezerano hagati y’Ubuyobozi bwa BRD na Atlas Mara Co-Invest yeguriwe igice cy’ubucuruzi cya BRD; uwo muhango ukaba warabaye nyuma y’inama ngarukamwaka yateguwe n’Ikigega cy’Isi cy’imari (IMF) ku bufatanye na Banki y’Isi.

Mu kiganiro cyihariye IGIHE yagiranye n’Umuyobozi wa BRD, Alex Kanyankole, yatangaje ko guharira Atlas Mara Co-Invest igice cy’Ubucuruzi cy’iyi banki ari inzira igiye gufasha BRD Ltd kongera ingufu muri gahunda zigamije iterambere ndetse no kuguma ku isonga mu itangwa ry’inguzanyo z’igihe kirekire kuri ba rwiyemezamirimo bafite imishinga y’iterambere.

Umuyobozi wa BRD, Alexis Kanyankore

Kanyankole yagize ati “Igikorwa cy’igurishwa ry’igice cy’ubucuruzi cya BRD kijyanye n’ingamba nshya z’imikorere kurusha uko byafatwa ukundi. Abanyamigabane ba BRD bifuje ko yibanda ku iterambere ry’u Rwanda, akaba ari yo mpamvu bemeje gutanga igice cy’ubucuruzi kikajya mu maboko y’undi mufatanyabikorwa ufite ubushobozi bwo kugikoresha no kucyagura atizigama, bityo kikagera ku rundi rwego.”

Ibyo Atlas Mara Co-Invest yaguze ni ibikorwa bijyana no kubitsa no kubikuza aho izajya itanga inguzanyo ku nyungu. Baguze kandi ikibanza cya BRD kiri ahahoze ambasade y’Abanyamerika mu Rwanda ndetse n’ikigo cya BRD cy’ubwunganizi mu by’ubwishingizi (BIB).

Kanyankole akomeza asobanura ko kuva ubwo Atlas Mara ariyo nyiri Banki y’Ubucuruzi yahoze ari iya BRD - ikaba itegereje guhabwa uruhushya rwo gukora nka Banki ukwayo ndetse mu minsi iri mbere ikaba izatangira gufungura amashami hirya no hino mu gihugu bityo igakora nk’ibindi bigo byose by’imari aho izajya itanga serivisi ku bayigana.

Kanyankole akomeza avuga ko gufatanya na Atlas Mara bizafasha BRD kwibanda ku iterambere hagamijwe kugera ku nshingano zayo.

Mu kiganiro cyihariye, Kanyankole yasobanuriye IGIHE ibyo banki igiye kwitaho ndetse n’ibyo abanyarwanda bayitegerejeho.

IGIHE: Ku buryo burambuye watubwira impinduka mu buyobozi bwa Banki nyuma y’itangwa rya kimwe mu bice byari biyigize? Urugero umuntu yakwibaza niba izo banki zombi zisangiye ubuyobozi cyangwa se niba hazaba impinduka mu banyamigabane?

Kanyankole: Impinduka zihari ni uko Igice cy’Ubucuruzi cyagurishijwe ikindi kigo, bivuze ko zizayoborwa nka Banki ebyiri zitandukanye. Mu by’ukuri ntaho ibi bigo bizahurira kuko buri kimwe kiyobowe ukwacyo n’abanyamigabane batandukanye.

Abanyamigabane ba BRD bazagumana imigabane yabo muri Banki y’Iterambere kuri ubu yibanda ku mishinga y’iterambere n’ibikorwa bikubiye muri gahunda y’Imbaturabukungu ya Kabiri (EDPRS II).

Iyi Banki kandi izagumana inama y’Ubuyobozi ndetse n’itsinda ry’ubuyobozi bwayo. Ku ruhande rw’Ubucuruzi bazagenzurwa na Atlas Mara Co-Invest.

Atlas Mara yashyizeho ubuyobozi bwayo buhagarariwe na Konde Bugingo noneho nyuma yo guhabwa uruhushya na Banki y’Igihugu (BNR) izaboneraho yinjize abakozi bashya yifuza.

Ikindi tugomba kumenya ni uko tugendeye ku masezerano twagiranye na Atlas Mara ni uko bazakomeza gufasha BRD mu buryo bwa tekiniki hagamijwe kubona amafaranga yo gushora mu mishanga minini ijyanye na EDPRS II, kongerera ubushobozi abakozi ndetse no gukomeza guharanira ko BRD ikomeza kugera ku ntego zayo z’iterambere n’ubundi bufasha muri Serivisi zitandukanye.

IGIHE: Ubu BRD irajwe ishinga n’iterambere, ni iki abanyarwanda bagomba kuyitegerezaho mu bijyanye no guhabwa inguzanyo n’ibikorwa muzibandaho?

Kanyankole: Nk’uko biri munshingano zacu, tuzakomeza kwibanda kuri gahunda z’ iterambere zikubiye muri EDPRS II yibanda ku mishinga y’inyubako ziciriritse, ubwikorezi bwo hanze, ingufu, ibikorwaremezo by’iterambere, ubucukuzi, uburezi n’ubuhinzi.

BRD yagiye itera inkunga imishinga ikomeye nk'uwo kubaka rugomero rwa Giciye ya I n'iya II

Ariko hagati aho nk’uko twongeye kureba mu cyerekezo nyacyo ubu twashatse inararibonye ziri kudutegurira gahunda y’imyaka itanu (2015-2019) izerekana mu by’ukuri icyo tugomba gukora kugira ngo tugere ku ntego twihaye.

IGIHE: Ese ko igice cy’ubucuruzi kigiye, ibi ntibizagira ingaruka ku nyungu bityo mukaba mwabura amafaranga yo gushora ku mishinga y’iterambere? Aha uranatubwira uko BRD yari ihagaze mu 2014?

Kanyankole: Igice cy’ubucuruzi kari agace gato ku mutungo wa BRD (30%), kuba rero tutaribwakwinjira neza mu bucuruzi nk’izindi Banki cyangwa se niyo twavuga nka Banki nshya y’Ubucuruzi ya BRD, inyungu yacu nyinshi n’umutungo byabarizwaga mu Ishami ry’Iterambere.

Ariko kandi ntitwicaye ubusa kuko gahunda yacu yo gukusanya umutungo iri gutekerezwaho muri ya Gahunda y’imyaka itanu nakubwiye haruguru bityo ibi hamwe n’ibindi bizatuma BRD ibasha gukura amafaranga ahantu hatandukanye uhereye nk’aho twari dusanganywe mu bigo bitera inkunga iterambere (DFIs) kongeraho n’ahandi hatandukanye hagaragara mu Rwanda.

Urugero mu minsi iri mbere, abanyarwanda batwitegure ku isoko ry’imari n’imigabane, aho tuzaba dutanga impapuro z’agaciro-faranga, ariko ibi byose bizagerwaho bitewe na gahunda ihamye yo gukusanya amafaranga haba mu gihugu ndetse no ku rwego mpuzamahanga.

Ku kijyanye rero n’imikorere ya BRD mu 2014 wabaye umwaka mwiza cyane ugereranije n’imyaka yabanje.

Nubwo hataraboneka imibare nyakuri igisuzumwa n’ababishinzwe ariko izajya ahagaragara vuba, Banki yabashije kunguka amafaranga abarirwa muri miriyari 3.5 z’amanyarwanda, ikaba yari yatanze inguzanyo ya miriyari 60 ku mishinga yemewe ndetse non-performance loans ku nguzanyo ikaba yaragumye kuri 5.35%.

Nubwo kandi twamaze igihe mu bijyanye na gahunda yo kwegurira Atlas Mara ishami ry’ubucuruzi, twabashije kuguma mu cyerekezo ndetse hari n’aho twabashije kurenza intego twari twihaye.

Mu 2015, BRD irateganya kongera umubare w’inguzanyo zikagera hafi kuri miriyari 65 z’amafaranga y’u Rwanda, azashorwa mu mishinga y’abikorera n’iya Leta bityo bikazatuma igihugu kigera ku ntego zikubiye mu cyerekezo 2020 ndetse na EDPRS II.

Ibyo ukwiye kumenya:

 Ku wa 23 Gicurasi 2014, Abanyamigabane ba BRD Ltd basinyanye amasezerano na Atlas Mara avana igice cy’ubucuruzi muri BRD kikigarurirwa na Atlas Mara ndetse kigahinduka Banki y’ubucuruzi iri mu maboko ya Atlas Mara 100%.

 Byongeye kandi, Atlas Mara na BRD basinyanye amasezerano ku mikoranire aho Atlas Mara izifashisha ubunararibonye bwayo igafasha BRD kubona inguzanyo z’igihe kirekire zizashorwa muri EDPRS II ndetse no kongerera abakozi ubushobozi.

 Abanyamigabane ba BRD bazakomeza kugenzurwa na BRD bityo bakazagumana inama y’ubuyozi iyobowe na Francis Mugisha, ndetse n’itsinda ry’ubuyobozi riyobowe na Alex Kanyankole.

 Banki y’iterambere izaguma ari ikigo cy’imari giharanira kuba ku isonga mu gutanga inguzanyo z’igihe kirekire kuri barwiyemezamirimo binyuze mu mishinga yibanda ku nyubako ziciriritse, ubwikorezi bwo hanze, ingufu, ibikorwaremezo by’iterambere, ubucukuzi, uburezi n’ubuhinzi no gufasha ibigo by’imirimo bito kubona inguzanyo zo kuguriza ba rwiyemezamiro bato.

 Atlas Mara Co-Nvest Limited yatangijwe na Bob Diamond, washinze ikitwa Atlas Merchant Capital LLC na Ashish J. Thakkar, washinze isosiyete ikomeye izwi ku izina rya Mara Group Holdings Limited, ikaba yaragiye no ku isoko ry’imari n’imigabane rya London mu 2013.

 Atlas Mara igamije kuba Ikigo cy’imari cya mbere munsi y’ubutayu bwa Sahara ibinyujije mu guhuza ubunararibonye bwayo, imikorere no gushyigikira iterambere ry’ubukungu n’imari muri Afurika. Ku bindi bisobanuro, wasura urubuga rwa Atlas Mara kuri www.atlasmara.com.