Umwaka utaha SACCO ziratangira gukoresha ikoranabuhanga-Guverineri Rwangombwa

Banki Nkuru y'u Rwanda itangaza ko mu mwaka utaha za SACCO zizaba zikoresha ikoranabuhanga rizihuza ku murongo umwe kuko umushinga w'ikoranabuhanga rizihuza. 

Ubwo iyi banki yagaragazaga uko urwego rw'imari rucunzwe, hagarutswe no ku bushobozi bw'umuturage mu kwigondera ibiciro by'ibicuruzwa akenera umunsi ku wundi hashingiwe ku kuba iyo banki ivuga ko ibiciro muri rusange bitazamutse ku gipimo cyo hejuru.

Mu mibare ya Banki Nkuru y'u Rwanda, hagarukwa ku micungire y'agaciro k'ifaranga ku isoko ry'ibicuruzwa bisanzwe aho BNR ivuga ko mu mezi atandatu ya mbere y'uyu mwaka ibiciro by'ibikenerwa cyane n'abaturage byakomeje kumanuka ahatanzwe ingero z'ibiciro by'ibiribwa byagabanutse ku gipimo cya -3.1% (munsi ya zero) mu gihe ibiciro by'ibicanwa byagabanutse ku gipimo cya -1% na ho ibiciro by'ingendo byo byagumye kuri 5.5% nk’uko byari bimeze mu mwaka ushize kugera mu mpera z'ukwezi kwa gatandatu.

Asubiza impamvu imibare nk'iyi iba ari myiza ariko ntihure n'ibyo abaturage bavuga ku buzima bwabo, Prof. Thomas Kigabo ushinzwe ubukungu muri BNR yavuze uburyo BNR nk'urwego rushinzwe kubungabunga agaciro k'ifaranga na politiki y'urwego rw'imari muri rusange  igerageza guhuza iyi mibare n'ubushobozi bw'umufuka w'umuturage.

Yagize ati "Muri iyi myaka 3 cyangwa 4, politiki y'ifaranga nka BNR twayikoze ku buryo dufasha banki z'ubucuruzi gutanga inguzanyo nyinshi ku bikorera. Iyo bigenze bityo butuma bizinesi zigenda neza, ubushobozi bw'Abanyarwanda bukiyongera birumvikana byunganiye izindi gahunda za  Leta. Iyo bigenze bityo rero bituma purchasing power y'Abanyarwanda idakomeza kudahungabana.  Central Bank icyo ikora ni ugushyiraho politiki y'ifaranga ituma ibiciro bidahindagurika cyane na none ituma amabanki atanga inguzanyo ku bikorera kugira ngo activities zigende neza." 

Ibi biganiro kandi byitabiriwe n'abayobozi b'intara bizwi ko ari bo baba hafi n'abaturage mu mikorere ya buri munsi bakamenya imbogamizi bahura na zo mu kubona serivisi z'imari zibanogeye.

Muri izo mbogamizi hari n'izijyanye n'icyifuzo cyo kwihutisha umushinga w'ikoranabuhanga rihuza rikananoza serivise zitangwa muri za SACCO byagarutsweho na Gatabazi JMV uyobora Intara y'Amajyaruguru. 

Yagize ati “Twifuza ko SACCO ziba automated, zijya muri system ku buryo ibikorwa byose bikozwe muri SACCO bimenyekana ku rwego ry'Igihugu bikagaragara muri Central Bank ku buryo amafaranga yose uko agenda ahererekanywa mu bantu bimenyekana kuko uyu munsi barakoresha impapuro n'amafishi. Gerant umwe baramufunga undi akaza ku byo yangije data n'ama donnés yose ugasanga ntabitswe neza, hari n'abaturage basanga amafaranga yakuwe kuri konti,  ntitubimenye,  ibyo byose turashaka ko bikorwa neza  ku buryo abaturage bazamura icyizere bafitiye za SACCO kuko ari urwego rukomeye." 

Guverineri wa Banki Nkuru, John Rwangombwa yemera ko uyu mushinga watinze gushyirwa mu bikorwa ariko akemeza ko abawutegereje bashonje bahishiwe kuko utazarenza umwaka utaha.

Yagize ati “Umushinga w'ikoranabuhanga muri za SACCO waratinze cyane. Sinzi ibisobanuro naguha hano ariko icyo nakubwira ubu nuko Minisiteri y'Imari yafashe izo nshingano bakorana na RISA, twagerageje gutanga isoko ry'uyu mushinga birananirana, ubu rero abashinzwe ikoranabuhanga muri MINECOFIN no muri RISA batangiye kubikoraho kandi inama twakoranye mu kwezi gushize kuri Minisiteri y'Inganda twemeranije ko kugeza mu mpera z'uyu mwaka igeragezwa ry'iri koranabuhanga kandi kugeza hagati mu mwaka utaha twizeye ko za SACCO zizaba zarashyizweho kandi mfitiye ikizere itsinda riri kubikoraho kuko ryakoze ibirenze ibi twizeye rero ko kugeza mu mwaka utaha iri koranabuhanga rizaba rikoreshwa na za SACCO.”

Ku bijyanye n'agaciro k'ifaranga ku isoko ry'ivunjisha na byo biri mu nshingano za BNR, urwo rwego rugaragaza ko mu mezi atandatu ya mbere muri uyu mwaka ifaranga ryataye agaciro ku gipimo cya 2.2% ugereranije n'idorali rya Amerika mu gihe mu mwaka ushize mu gihe nk'iki ryari ryarataye agaciro ku gipimo cya 1.7%.

Ifaranga kandi ryataye agaciro ugereranije n'amashilingi ya Tanzania, Uganda na Kenya, aho ibisobanuro BNR itanga bigaragaza ko byatewe no kwiyongera kw'ibyo igihugu gitumiza hanze byiyongereye ku gipimo cya 18.2%  ahanini biterwa n'imishinga minini iy'ubwubatsi igihugu kiri gukora.

Inkuru mu mashusho

RUZIGA Emmanuel Masantura