Ibigo by’ubwishingizi mu ikorosi ry’abatumiza ibicuruzwa mu mahanga batabigana

Yanditswe na Cyprien Niyomwungeri
Kuya 11 Ugushyingo 2019 saa 09:17
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Urwego rw’ubwishingizi mu Rwanda rutangiye kuzanzamuka nyuma y’ibihombo n’ibibazo by’imikorere byaruvugwagamo, gusa haracyari imbogamizi zishingiye ku myumvire y’abafata ubwishingizi ndetse n’icyuho mu mategeko gituma kubufata ahanini ari ubushake.

Imibare ya Banki Nkuru y’Igihugu (BNR), igaragaza ko imisanzu y’ubwishingizi yiyongereyeho miliyari 9.1 Frw, aho yavuye kuri miliyari 64.3 Frw mu gihembwe cya mbere 2018 akagera kuri miliyari 73.4 Frw mu gihembwe cya mbere 2019, bivuga ko yaranzeho miliyari 4.6 Frw yari yiyongereyeho mu mwaka wabanje.

Ukwiyongera cyane kwabonetse mu bigo by’ubwishingizi bya leta ari byo RSSB na MMI, aho hiyongereyeho miliyari 6 Frw bitewe n’abishinganisha bashya bangana na 432 450.

Mu bigo by’ubwishingizi byigenga naho imisanzu ikomeje kwiyongera kuko hagati y’igihembwe cya mbere cya 2018 n’icya 2019, hiyongereyeho miliyari 3.3 Frw, ahanini bitewe no kongera igiciro cy’ubwishingizi bw’ibinyabiziga.

Perezida w’Ishyirahamwe ry’Ibigo by’Ubwishingizi mu Rwanda, Gaudens Kanamugire, avuga ko nubwo hari intambwe irimo guterwa hakiri imbogamizi z’uko abatumiza ibintu mu mahanga batagana ibigo byo mu gihugu.

Abatumiza ibintu mu mahanga baka ubwishingizi kuko biba bishoboka ko byakwangirika, byakwibwa cyangwa kujugunywa ku bushake.

Kanamugire avuga ko kuri ubu usanga abatumiza ibintu mu mahanga basaba aho bazarangura inyandiko yerekana ibiciro (Facture Proforma), bakayihabwa hariho ‘igiciro kirimo agaciro k’ibicuruzwa, ubwishingizi ndetse n’ubwikorezi biri hamwe’.

Yagize ati “Aguze serivisi y’ubwishingizi hanze atari uko iriya serivisi yabuze mu Rwanda ariko kubera kutabisobanukirwa neza ugasanga aguze ubwishingizi hanze kandi tubutanga.”

Kanamugire avuga ko impamvu zituma abantu bagura ubwishingizi mu mahanga ni ‘ukutabisobanukirwa neza ndetse n’icyuho mu mategeko cyo kudategeka abatumiza ibicuruzwa mu mahanga gufata ubwishingizi mu Rwanda’.

Ati “Hakwiye kujyaho amategeko asaba abantu kugura mu Rwanda serivisi zihaboneka hanyuma bakagura ahandi izidahari. Niba nguze serivisi hanze kandi yari ihari mu Rwanda, bansha umusoro ku buryo usanga umuntu atanze umusoro mwinshi igicuruzwa kigahenda kuruta uko yaba yakiguriya ahangaha”.

Kugura ubwishingizi hanze y’igihugu bifite ingaruka ku bukungu bwacyo kuko ari ikibazo ku micungire y’amadevize ndetse bigashegesha kugabanya icyuho mu byoherezwa n’ibitumizwa mu mahanga.

Kuki abatumiza ibintu mu mahanga badafata ubwishingizi mu gihugu

Bamwe mu batumiza ibintu mu mahanga bavuga ko uretse kutabisobanukirwa, ikiguzi cy’ubwishingizi kiri hejuru mu Rwanda nacyo kiri mu bituma bajya kubufata ahandi.

Umwe mu bacuruzi waganiriye na IGIHE yagize ati “Ubwishingizi iwacu burahenda kandi ikindi gituma tubufatira rimwe n’ibiciro dusabwa ni uko byoroha mu gukurikirana ibyo watumije.”

Akomeza avuga ko gufatira ubwishingizi rimwe n’ikiguzi cy’ibyo utumije n’ubwikorezi bwabyo byoroha mu kubikurikirana ku buryo niyo bibuze uca mu nzira nke ubibaririza kuruta kuba wahawe serivisi n’abantu batandukanye.

Minicom ntiyiteguye gushyiraho itegeko

Bimwe mu bihugu byo mu Muryango wa Afurika y’Iburasirazuba (EAC) bifite amategeko akumira abatumiza ibintu mu mahanga gufata ubwishingizi hanze yabyo. N’uwabufashe hanze iyo ibicuruzwa bigeze ku cyambu cyangwa ku mupaka bisabwa gufata ubundi bwishingizi birengagije ko byari yafashe n’ubundi.

Umuyobozi Mukuru ushinzwe Ubucuruzi n’Ishoramari muri Minisiteri y’Ubucuruzi n’Inganda, Opirah Robert, avuga ko nta hantu na hamwe u Rwanda rufite itegeko rihatira abantu runaka gufata ubwishingizi aha n’aha kuko ni urwego rwigenga rukorera ku kurushanwa gutanga serivisi inoze kandi ihendutse.

Ati “Ni ukuvuga ngo gutera imbere k’urwego ntabwo bigombera ko uhatira abantu gukora ikintu runaka ahubwo ni uko bagomba kureba uburyo bakora ku buryo ubwabo bakurura abakiriya haba harimo ibibazo wenda bahura nabyo muri ubu buryo bikaba ari byo baganira n’inzego ngo bikemuke ariko atari uguhatira abakiriya kujya gukora ibintu runaka”.

Akomeza agira ati “Twebwe dushyigikira ubwisanzure mu bucuruzi ntabwo wahatira umuntu gukora ikintu”.

Uruhare rw’ibigo by’ubwishingizi mu musaruro mbumbe (GDP), rwanganaga na 1.7% muri Kamena 2019 kimwe no muri uko kwezi kwa 2018.

Mu mwaka w’imari warangiye muri Kamena 2019, umutungo mbumbe w’urwego rw’ubwishingizi wiyongereyeho miliyari 54.3 z’amafaranga y’u Rwanda ugera kuri miliyari 477.3 z’amafaranga y’u Rwanda, ni ukuvuga 1.8% bya GDP hagati y’igihembwe cya mbere cya 2018 n’icya 2019.

Urwego rw’ubwishingizi ni urwa gatatu mu zigize urwego rw’imari nyuma y’ibigo by’imari n’amabanki ndetse n’ubwiteganyirize. Muri Kamena 2019 u Rwanda rwari rufite ibigo by’ubwishingizi 14, harimo 12 byigenga n’ibindi bibiri bya leta byishingira ibijyanye n’ubuzima ari byo RSSB na MMI.

Perezida w’Ishyirahamwe ry’ibigo by’ubwishingizi mu Rwanda, Gaudens Kanamugire avuga ko hakwiye kujyaho itegeko ry'uko abatumiza ibintu mu mahanga bafata ubwishingizi mu gihugu

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