Inyungu z’ubwishingizi bw’amatungo n’imyaka: Hari abicuza ko batabufashe mbere

Hari bamwe mu bahinzi n'aborozi bicuza impamvu batashinganishije amatungo n'imyaka yabo bitewe nuko bamaze kugwa mu gihombo gikomeye. Ni mu gihe abashoboye kubishinganisha bemeza ko nta mpungenge bafite kuko bashobora kugobokwa igihe cyose bagize ikibazo ndetse n'ibigo by'imari ngo byabagiriye icyizere.

Joseph Biziyaremye urimo kwerekana ikizu aho ingurube ze 5 yari azororeye ariko zose zarapfuye  zizize indwara yo guhinda umuriro zikanga kurya ku buryo ubu naho zararaga habereye aho.

Avuga ko iyo aza kuba yarazifatiye ubwishingizi, ibyo byago atari guhura na byo.

Ati “Naje kumenya ko hari ubwishingizi bw'ingurube nyuma izanjye zararangije gupfa, ndicuza cyane kuko izo ngurube zari zifite agaciro ka miliyoni nk'ebyiri urumva narahombye ariko nkateganya ko ninongera korora nzahita njya mu bwishingizi.”

Uyu ni umwe mu borozi benshi batari baritabiriye gushinganisha amatungo yabo.

Jeanne Niyonsenga we amaze gupfusha ingurube 8 mu cyumweru kimwe ku ngurube 32 yashinganishije ku buryo we avuga ko afite icyizere cyo kwishyurwa nubwo agaragaza zimwe mu mbogamizi abona mu masezerano y’ubwishyu bwe.

Yagize ati “Ukwezi ndabona ari kwinshi cyane kandi amatungo apfa buri munsi buri munsi kuburyo nsanga icyo gihe cyagabanuka nibura nyuma y'icyumweru bakaba bakwishyura kugirango ubashe no kuba hari ibyo wakora yenda no kuba wagurira imiti izo ziba zisigaye.”

Uretse kwishyurwa amatungo yapfuye ubu bwishingizi kandi butanga n’icyizere mu bigo by’imari.

Abahinzi b'urusenda ba Gashora Farm bo bashoboye gushinganisha ubuhinzi bwabo buri kuri hegitari 255 aho bashoye amafaranga y'u Rwanda asaga miliyoni 300 ku buryo byatumye bagirirwa icyizere n'ibigo by'imari bahabwa inguzanyo nkuko Allan Ndahiro abisobanura.

Yagize ati “Kugira ngo ama banki yizere ko amafaranga yabo azagaruka ntabwo ari ukubereka imiterere y'ubucuruzi bwawe gusa n’ibyo uzacuruza, ariko baba bashaka ko ubereka n'ubwishingizi kugira ngo nihagira ibibazo bivuka nk'imyuzure, nk'udusimba twica imyaka bityo umusaruro mukaba mutawuvanamo noneho byibuze mukaba mwamaze kwishinganisha hanyuma iyo sosiyete y'ubwishingizi ikaba yakwishyura iyo banki iba yabahaye amafaranga.”

Impuguke mu birebana n'ubuhinzi akaba n'Umwarimu muri Kaminuza y'u Rwanda Dr. Ukozehasi Celestin asanga abahinzi borozi bagomba kujya bitondera amasezerano bagirana n'ibigo by'ubwishingizi.

Yagize ati “Muri ya masezerano rero bagomba kugira ibintu byumvikanwaho ese yasabye ubwishingizi burebana n'indwara cyangwa iby'ihindagurika ry'ikirere ? Ese haramutse habaye ikibazo bishyurwa bate? Bishyurwa mu kihe gihe? ibyo byose muri ya masezerano bikaba birimo kuko wa muhinzi atagiye yiteguye ushobora gusanga ya masezerano wenda barayakoze ariko ku buryo ashobora kumugora gushyira mu bikorwa cyangwa ukabona atayagiramo inyungu yarategejeremo.”

Kugeza ubu amatungo amaze kujya ku rutonde rw'ayishingirwa harimo inka, ingurube n' inkoko. Na ho imyaka yishingirwa kugeza ubu ni umuceri , urusenda, imiteja, ibigori n'ibirayi.

Inka ifite agaciro k'amafaranga ibihumbi 200, ikiguzi mbumbe ni 4.5% ni ukuvuga ibihumbi 9,000 bityo umworozi akishyura ibihumbi 5,400 angana na 60% by'agaciro kayo na ho leta ikamutangira ibihumbi 3,600 bihwanye na 40%

Andi matungo n'imyaka na byo niko bigenda gusa bigatandukana mu mu biciro by'amafaranga yishyurwa ku bwishingizi n’ayo buri wese yitangira.

Kuva iyi gahunda ya Tekana Urishingiwe Muhinzi -Mworozi yatangira muri Mata 2019,  Leta imaze kwishyurira abahinzi-borozi amafaranga asaga miliyoni 324 binyuze muri gahunda ya Nkunganire.

Ibigo by'ubwishingizi bimaze kwishyura abahinzi bahuye n'ibiza amafaranga asaga miliyoni 397.  Aborozi b'inka bakaba bamaze gushumbushwa amafaranga asaga miliyoni 144.  Na ho abahinzi bamaze guhabwa inguzanyo y'amafaranga asaga miliyoni 695  kubera ubwishingizi bwatanzwe nk'ingwate muri banki n'ibigo by'imari.

Bosco KWIZERA