Bamwe mu bafite inguzanyo z’amabanki bari mu gihirahiro

Nyuma yaho ibikorwa byabo bihungabanyijwe n'icyorezo cya COVID19, bamwe mu bakiliya b'amabanki mu Rwanda baravuga ko bari mu gihirahiro kuko banki bakorana na zo zitarababwira uburyo zizaborohereza kwishyura inguzanyo.

Gusa zimwe muri izi banki ziravuga ko zigena uburyo bwo korohereza umukiliya zigendeye ku mwihariko we muri iki kibazo.

Ingabire Janvière ni rwiyemezamirimo w'urubyiruko ukorera mu Mujyi wa Kigali. Kugira ngo abashe gushyira mu bikorwa umushinga we wo kongerera agaciro imboga zizwi nk'igisura, yiyambaje banki imuha inguzanyo, aho buri kwezi yishyura banki ibihumbi 118 kubera uwo mwenda yamuhaye.

Kimwe n'abandi Banyarwanda batari bake, ubucuruzi bwa Ingabire bwahungabanyijwe bikomeye n'icyorezo cya COVID19, ariko yakomeje kwishyura uwo mwenda wa banki.

Yagize ati “Ntabwo bigeze bansonera kandi nzi ko hari amabwiriza yavugaga ko bazadusonera ariko amafaranga n’ubundi barayakase. Bari bakwiye kutworohereza nk’uko BNR yari yabivuze kuko ntabwo twakoraga pe, nibura tukazishyura byongeye kugenda neza.”

Ku rundi ruhande, Kwizera Daniel we ntiyigeze yishyura umwenda afitiye ikigo cy'imari akorana na cyo, gusa nanone afite impungenge ko ashobora kuzacibwa amande kubera kutishyura uko bikwiriye.

Yagize ati “Amande y'ubukererwe turabizi iyo umuntu atishyura inguzanyo neza ashobora kujyaho. Twari twahawe inguzanyo ya miliyoni 10 twari tumaze kwishyura umwaka n'igice, ariko kugeza uyu munsi ntabwo imyishyurire yacu ari myiza. Twahamagaye bamwe mu bayobozi tubabwira ikibazo dufite baratubwira bati ikibazo turakibona bati ariko ingamba z'uburyo muzishyuramo ntizirategurwa. Turababwira tuti bishobotse mwashyiramo inyoroshyo ariko ntacyo baradutangariza.”

Kugeza ubu amabanki n'ibigo by'imari bivuga ko bikomeje ibiganiro n'ababifitiye inguzanyo, ariko hagati aho hari ibyemezo bimwe buri kigo cy'imari cyafashe mu rwego rwo korohereza abakiliya bacyo.

Nko mu kigo kitwa Urwego Bank, abafite ikibazo cyo kwishyura inguzanyo muri iki gihe bahawe amezi 3 batishyura inguzanyo n'inyungu za banki mu gihe ikibazo cya buri wese kigisuzumwa, nkuko Bayingana Christine, umuyobozi w'iki kigo cy'imari iciriritse yabisobanuye.

Ati “Ari inyungu ku nguzanyo cyangwa ari inguzanyo ubwayo umukiliya wese udashoboye kwishyura ntabwo tumusaba kwishyura, twabahaye amezi 3. Ayo mezi 3 rero tugiye kuyamara twiga kuri buri kibazo cya buri muntu. Hari abo business zabo zashize; ari amafaranga bari bafite yo gucuruza yarashize, ari ibyo bacuruzaga byarashize. Abo bari muri categorie imwe. Noneho tukagira n'abandi bakomeje gucuruza buke buke ariko hagati aho ayo bacuruzaga bakayarya cyangwa inyungu ziragabanuka kuko abakiliya babaye bake. Abo na bo ni categorie y'indi. Hari n'abandi rero bavuga bati twebwe twarahagaritse ariko ubwo lockdown igiye kuvaho ariko ntidufite ibicuruzwa, ntidufite amafaranga yo kugura ibikoresho. Ubwo rero uko ari 3 turimo kubateganyiriza ingamba z'ukuntu tuzabafasha kugira ngo bongere bahaguruke bashobore gucuruza.”

Banki y'Abaturage na yo ivuga ko amasezerano y'inguzanyo hagati yayo n'abakiliya bafite ibibazo byo kwishyura yasubiwemo.

Umuyobozi wa BPR Rwanda Maurice Toroitich yagize ati “Twavuguruye imiterere y'amasezerano y'inguzanyo nyinshi, amavugurura agendera ku mwihariko wa buri mukiliya; hari abo twongereye amezi 3 ku gihe cyo kwishyura, abandi amezi 6 n'abandi tubongereraho umwaka.”

Ishyirahamwe ry'amabanki mu Rwanda rishimangira ko buri mukiliya wegereye banki akorana na yo yongerewe igihe kiri hagati y'amezi 3 n'umwaka kugira ngo kwishyura inguzanyo afitiye banki bitamuremerera.

Gusa nanone umuyobozi wa Equity BANK Rwanda Hannington NAMARA, akavuga ko kongerera umukiliya igihe cyo kwishyura inguzanyo bidahagije.

Ati “Uretse kongera igihe, business runaka muri grace period yahabwa yaba ikora iki? Izo ngamba nizo turimo kuganira na buri mukiliya wacu. Natanga urugero; Muri gahunda ya Made in Rwanda abajyaga mu mahanga kuzana intebe, ameza,..ntitwakoresha ibyacu bikorerwa mu Rwanda kuburyo twakwishakamo ibisubizo mbere y'uko ubukungu bw'Isi yose buzahuka.”

Kubera ingaruka z'icyorezo cya COVID19 ku bikorwa by'ubucuruzi binyuranye, muri Werurwe uyu mwaka, Banki Nkuru y'igihugu, BNR, yari yasabye amabanki n'ibigo by'imari kumvikana n'abayafitiye imyenda ku buryo bwo kwishyura inguzanyo zitabereye abakiliya umutwaro.

Divin UWAYO