Baratabariza abasaba inguzanyo muri banki

Abayobozi n’abahanga mu bijyanye n’ubukungu barasabira abafata inguzanyo muri banki kugabanyirizwa inyungu bakwa, kugira ngo ikibazo cyo kubura ubushobozi bwo kwishyura no guteza cyamunara imitungo y’abantu kigabanuke mu Rwanda.

Buri mwaka banki nini z’ubucuruzi zitangariza ba nyirazo(bafitemo imigabane) ko habonetse inyungu nini, bigafatwa nk’umuhigo ukomeye zagezeho. ndetse zigashimirwa.

Ibi ariko biranengwa n’abahanga mu by’ukungu ndetse na bamwe mu bagize Inteko ishinga amategeko y’u Rwanda, kuko ngo bishyira abantu mu byago byo guterezwa cyamunara imitungo yabo, iyo bananiwe kwishyura ya nguzanyo iriho inyungu y’ikirenga.

Senateri Evode Uwizeyimana yagejeje iki kibazo kuri Minisitiri w’Intebe, Dr Justin Nsengiyumva, ubwo yari ari mu Nteko ishinga Amategeko mu byumweru bike bishize.

Yagize ati “Inyungu ya banki iracyari hejuru, ariko harimo n’ubujiji bw’abahawe inguzanyo, baba batazi niba iyo nyungu iguma uko yakabaye cyangwa ihindagurika, ku buryo uko ubukungu buhungabana amafaranga wishyuye utamenya aho agiye. Iki ni cyo gihugu ufatamo inguzanyo ya miliyoni 100Frw wamara kuzishyura bakakubwira ko hasigaye (miliyoni) 200Frw.”

Ibyo ngo biterwa n’uko umuntu aba yaragiye ahindura igihe cyo kwishyura ntamenye ko inyungu igenda yiyongera, kandi ko abashoramari bo hanze y’Igihugu barimo kuzana inguzanyo ihendutse cyane ku nyungu ya 5%(ni urugero), bikaba bigoye ko Abanyarwanda bayabonye kuri icyo kiguzi bakorana n’abayahawe na Banki zo mu Rwanda ziyatanga ku nyungu ya 18%-21%.”

Mu kumusubiza, Minisitiri w’Intebe, Dr Justin Nsengiyumva, avuga ko mu Rwanda hakiri abantu bake cyane bitabira kwizigamira by’igihe kirekire, nyamara ari ho hakomoka amafaranga yo kuguriza abantu bazishyura hashize igihe kirekire, bigatuma banki zica abantu inyungu y’ikirenga kuko ngo ziba zifite amafaranga make.

Impuguke mu bijyanye n’Ubukungu, Teddy Kaberuka, avuga ko igihe kigeze ko banki zashoye imari mu Rwanda zidashingira ku gishoro gike gifitwe n’abo mu gihugu imbere, ahubwo abazishinga ngo bagakwiye kwerekana igishoro gifatika bakuye hanze y’Igihugu, akaba ari cyo gitangwa nk’inguzanyo ku Banyarwanda.

Kaberuka agira ati “Nasaba ko Banki Nkuru izamura ingano y’igishoro banki z’ubucuruzi zigomba kuba zifite, kikaba ari igishoro gifatika. Aba banyamahanga bazana udufaranga duke ugasanga ahubwo baracuruza ay’Abanyarwanda aho kuzana ayabo. BNR ivuze iti ‘mu myaka itatu icyo cyemezo kizatangire gukurikizwa’, babikora.”

Ati “Ni yo mpamvu banki zunguka amafaranga y’umurengera, wakagombye kwibaza uti ‘kuki buri gihe iyo BK ivuga ko yungutse usanga ari za miliyari!’ Bunguka amafaranga aruta igishoro bashyizemo, ubwo urumva atari ikibazo! Iyo wunguka menshi bivuze ko ucuruza uhenda abantu, ibyo Leta yakagombye kubireba.”

Kugeza ubu Banki nini mu Rwanda zirimo gutanga inguzanyo irenga 20%(1/5) cy’amafaranga umuntu yahawe, mu gihe ibigo by’imari byo birimo kurenza 25%.

Uru akaba ari urugero rutuma abantu batinya gufata inguzanyo muri banki, ndetse hakaba n’abatararangiza kuzishyura barenga miliyoni imwe mu Gihugu.