Inguzanyo zigenerwa ubuhinzi zingana na 6% - Ubushakashatsi

Mu Rwanda hamuritswe ubushakashatsi bugaragaza ko 6% by'inguzanyo zose zatanzwe n'ibigo by'imari ari yo yahawe abahinzi, nyamara ari rumwe mu nzego zifatiye runini ubukungu bw’igihugu.

Abahinzi bakaba bakomeje kugaragaza ko kudahabwa inguzanyo n'ibigo by'imari bituma ishoramari ryabo ridatera imbere. Ikibazo cy’inguzanyo ku bahinzi baremeza ko kikiri ingorabahizi ko bidindiza ibikorwa by’ubuhinzi. 

Abakora ubuhinzi basaba ko inguzanyo ziramutse ziyongereye kandi zikaba izishyurwa mu gihe gihagije hari impinduka zaza muri uru rwego.

Umuhinzi witwa Kanshara Savera yagize ati “Guhabwa inguzanyo y'igihe kigufi kuyishyura byatugora ariko duhawe inguzanyo twakwishyura igihe kirekire byadufasha kuko urugero ubonye nk'ibihumbi ijana wakwishyura ibihumbi mirongo itanu ku munyeshuli, mituelle n'ibindi indi mirongo itanu ukayitanga, tubonye inguzanyo y'igihe kirekire byadufasha byaba ari ibintu byiza cyane.”

Na ho Emmanuel Ndagijimana yagize ati “Kugeza ubu turacyafite imbogamizi zo kubona ya nguzanyo kuko twubatse urwo rwego kugira ngo abanyamuryango tubahembere ku ma konti ariko turacyatekereza uburyo twabona ese birashoboka ko twazamura umusaruro ukiyongera tubonye inguzanyo? Haracyari imbogamizi kuko abo b’ibigo by'ishoramari ntabwo begera abahinzi ngo babashishikarize.”

Ikigo cy'Ubushakashatsi n’Isesengura rya Politike, IPAR, cyashyize hanze igitabo cy'impapuro 94 kigaragaza uburyo imari ishorwa mu buhinzi, abayihabwa, imbogamizi zirimo ndetse n'udushya tugaragara mu buhinzi. Dr. Dickson Malunda wamuritse ubu bushakashatsi bukubiye mu gitabo “Rwanda Agriculture Finance Year Book”, avuga ko gushora imari mu buhinzi bitandukanye no kuyishora mu zindi nzego ku buryo ibigo by’imari bikwiriye kubisobanukirwa. 

Ati “Gutanga inguzanyo mu rwego rw'ubuhinzi bitandukanye cyane no kuguriza izindi nzego aho uhabwa inguzanyo uyu munsi mu gihe cy'ibyumweru bike ukishyura. Imiterere y'ubuhinzi uratera uyu munsi ugategereza amezi rimwe na rimwe imvura ikabura, ubwo rero ugomba kujyana n'abahinzi, ugasobanukirwa n'imikorere yabo, ukamenya imbogamizi zirimo n'imiterere y'ubuhinzi.”

Jean Bosco Iyacu, Umuyobozi wungirije w'Ikigo Access to Finance cyagize uruhare mu kwegeranya amakuru akubiye muri iki gitabo avuga ko imikorere y'ibi bigo by’imari igomba guhinduka.

Yagize ati “Bamwe ubona badashaka kongeramo imbaraga mu kuzana udushya tuganisha cyane mu ikoranabuhanga kugirango bashobore kugera ku bahinzi n'aborozi kuko bari kure hirya hatandukanye turizera ko ikoranabuhanga ryabafasha kubamenya neza tukabona amakuru akwiriye tukabaha n'inguzanyo zikwiriye kugirango bateze imbere ubuhinzi bwabo.”

Mu gihe Abanyarwanda bakora ubuhinzi basaga 70%, ibigo by'imari bibagenera 6% by'inguzanyo zose zitangwa nyamara ari urwego rufite uruhare rwa 27% ku musaruro mbumbe w’ubukungu bw'igihugu.

U Rwanda rufite intego yo kugera mu mwaka wa 2024 inguzanyo ihabwa urwego rw'abahinzi igeze ku 10.4% ivuye kuri 6% na ho ubutaka bwuhirwa buvuye kuri hegitari 48,508 muri 2017 zikagera kuri hegitari 102,284 muri 2024.

Bosco Kwizera