Kwishyurana hifashishijwe ikoranabuhanga bigeze kuri 34,6%-Guverineri Rwangombwa

Guverineri wa Banki Nkuru y’u Rwanda, John Rwangombwa arasanga Abanyarwanda bakomeje kwitabira ku bwinshi gahunda yo kwishyurana hakoreshejwe ikoranabuhanga.

Yagaragaje ko mu myaka 8 ishize agaciro k’ibikorwa byishyuwe hifashishijwe ikoranabuhanga kari ku gipimo cya 0.3% gusa, ugereranije n’umusaruro mbumbe, ariko imibare y’uyu mwaka ikagaragaza ko agaciro k’ibi bikorwa kazamutse kakagera kuri 34.6%.

Mu kiganiro Guverineri Rwangombwa yagejeje ku bitabiriye igikorwa cyo gutangiza ubukangurambaga ku bijyanye no kwishyurana hakoreshejwe ikoranabuhanga, kuri uyu wa Gatatu, yavuze ko ikoranabuhanga rikomeje gufasha mu kongera abaturage bagerwaho na serivisi z’imari, by’umwihariko akaba yatanze urugero rw’inguzanyo nto abantu biguriza.

Yasobanuye ko mu myaka ibiri gusa uhereye muri 2017 kugeza muri uyu mwaka wa 2019, imibare BNR itanga igaragaza ko izi nguzanyo ziyongereye ku gipimo kirenga 270% mu mibare yazo, aho muri 2017 zavuye ku nguzanyo zirengaho ibihumbi 99 zari zifite agaciro ka miliyali 1.9,   zikagera ku mubare w’inguzanyo zirengaho gato ibihumbi 367 zifite agaciro ka miliyali 14.2 z’amafaranga y’u Rwanda.

N’ubwo BNR ariko igaragaza ko yifuza kugabanya umubare w’ibikorwa byishyurwa hakoreshejwe amafaranga agendanwa abantu bakimukira ku kwishyurana hakoreshejwe ikoranabuhanaga, Guverineri Rwangombwa yemera ko ko hakiri ikibazo cy’ubuke bw’ibyumba byakira amakarita y’abifuza kwishyura hakoreshejwe iryo koranabuhanga bizwi nka Pos (Cyangwa Point of sales).

Aha imibare yerekana ko ibi byuma kugeza mu mpera z’ukwezi kwa gatandatu uyu mwaka byari 3046 bivuye ku byuma 2801 mu mwaka wa 2018. Gusa kugira ngo binagere kuri uwo mubare byavuye ku byuma 227 muri 2011.

Guverineri akavuga ko abacuruzi bakomeje kugaragaza ko ibyo byumba bibahenda ku buryo iyo banki ifatanyije n’abandi bafatanyabikorwa bazanye ubundi buryo bwo kwishyurana hifashishijwe ibimenyetso by’ibanga no gukozaho amakarita bihendukira abacuruzi kubikoresha.

Mu bibazo bigomba kwitabwaho n’inzego zitandukanye zirebwa n’iyi gahunda haba ku bacuruzi n’abashyiraho amategeko na za politiki, harimo kuba ubu buryo bwo kwishyurana hifashishijwe ikoranabuhanga byibanda mu duce tw’imijyi gusa, guhenda kw’izi serivisi iyo hishyuwe hifashishijwe ubwo buryo ndetse no kuba bwemerwa hake.

Ikindi kibazo gishingiye ku bumenyi buke mu bijyanye n’imikoreshereze y’ubu buryo n’umuco w’Abanyarwanda gukunda kugendana amafaranga ndetse n’ikibazo cy’imikoranire hagati y’ibigo by’imari na za banki bitorohereza kwishyurana ku bakiliya bakoresha ibigo bibiri bitandukanye.

                                   Guverineri wa Banki Nkuru y’u Rwanda, John Rwangombwa 

Inkuru mu mashusho

RUZIGA Emmanuel Masantura