Hatangijwe umushinga wagenewe abahinzi borozi mu Rwanda ufite agaciro ka miliyari 300, ugamije kubunganira mu kubaha inguzanyo ifite inyungu ziri hasi cyane ingana na 8%, ni mu gihe abasanzwe baka inguzanyo bafatiraga ku inyugu iri hagati 24% na 18% bitewe n’uburyo umukiriya yaganiriye na banki abarizwamo.
Abayobozi batandukanye bafite aho bahuriye n’uyu mushinga w’ubuhinzi n’ubworozi.
Uwo mushinga uzafasha abahinzi borozi mu bwishingizi buterwa n’igihombo bahura na cyo, bigatuma bashobora guhomba, uzafasha kandi mu kuhira ibihingwa bitandukanye bityo inzara izashira bigabanuke, ubwishingizi kandi buhabwe abahinzi borozi ku bazitabira iyo gahunda.
Ministiri w’Ubuhinzi n’Ubworozi Dr Gerardine Mukeshimana ashishikariza abagore n’urubyiruko kwitabira iyi gahunda.
Dr Gerardine Mukeshimana Minisitiri w’Ubuhinzi n’Ubworozi (MINAGRI) wafunguye ku mugaragaro uwo mushinga yashishikarije abagore n’urubyiruko kuzitabira iyo gahunda, kuko abagore wasangaga badakunze kwitabira inguzanyo mu buhinzi kimwe n’abagabo.
Abagore n’urubyiruko bakaba basabwa kuzitabira iyo gahunda, kugira ngo biteze imbere, kimwe n’urubyiruko, basabwa kwitabira ubuhinzi, kuko ubuhinzi n’ubworozi atari ubwo abakene n’abakuze, uwo mushinga ugamije guha akazi abantu benshi kandi bagahinga bagasagurira amasoko n’inganda.
Yagize ati ‘‘Ubuhinzi n’ubworozi bisaba amafaranga menshi n’imbaraga, dufite kongera umusaruro w’ubuhinzi n’ubworozi ku kigero kinini, kuvana abaturage mu bukene, hakenewe umusaruro wo kwihaza mu biribwa, gusagurira amasoko no kugemurira inganda, kuko nta musaruro ntizakora neza’’.
Nanone amafaranga y’uwo mushinga azabafasha abahinzi kuhira imyaka, gukora ubushakashakatsi, bitume batera imbere, miliyari 50$ zizakoreshwa biciye mu nguzanyo hagati y’umushinga n’amabanki, inyungu izaba ingana na 8%, bitewe n’ibiganiro hagati y’umukiriya na banki.
Minisitiri w’Ubuhinzi n’Ubworozi (MINAGRI) yavuze ko bitewe n’ibiganiro byagiye bikorwa hagati y’abahinzi n’aborozi ko bahura n’igihombo giterwa n’ibiza haba izuba ricana cyangwa imvura nyinshi, hari amafaranga yagenewe kubunganira mu bwishingizi bw’ubuhinzi n’ubworozi.
Abagore n’urubyiruko, bashishikarijwe kwitabira ubuhinzi n’ubworozi, kuko bazoroherezwa mu ishoramari ati ‘‘twashyizeho igice kingana na 70% y’igishoro cyunganira abagore n’urubyiruko bakora akazi mu ruhererekane rw’ubuhinzi n’ubworozi, 210 miliyari zizakoreshwa mu kongera umusaruro mu kuhira imyaka n’ubushakashatsi, 75% akoreshwe mu ishoramari n’ubwishingizi mu kugabanya ibibazo abahinzi bahura na byo.
Uwo mushinga uzafasha umuhinzi muri ibi bihe bikomeye, bitume habaho kongera umusaruro, bizagabanya ingaruka zatewe n’intambara y’Uburusiya na Ukraine, kuko inyongeramusaruro n’ifumbire zageraga ku bahinzi zibahenze.
Umuhinzi mworozi bagiye kwitabwaho kuva mu bukene, kuko mu gihe batitaweho ntabwo bashobora kohereza umwana wabo ku ishuri. Uwo mushinga uzakorera mu turere twose tugize igihugu,
By’umwihariko uwo mushinga uzakorera mu Intara y’Amajyepfo mu turere twa Muhanga, Nyanza, Ruhango, Huye, Gisagara na Nyaruguru naho mu Intara y’Amajyaruguru hari Gicumbi, mu Mujyi wa Kigali hari Akarere ka Gasabo na Kicukiro mu Intara y’Iburasirazuba uwo mushinga uzakorera mu turere twa Kayonza, Bugesera, Gatsibo, Nyagatare na Kirehe ni mu gihe mu Intara y’Iburengerazuba uwo mushinga uzakorera mu turere twa Rusizi na Nyamasheke mu kuhira imyaka no gutunganya ibishanga.
Rwamurangwa Stephen Umuhuzabikorwa w’umushinga muri RAB.
Abahinzi borozi basabwe gutera ubwatsi bw’amatungo no gutanga amafaranga y’ubwishingizi bw’amatungo aho ku mwaka basabwa ibihumbi 15 ku inka mu gihe ihuye n’ikibazo kidasanzwe akunganirwa kubona indi.
Abahinzi by’umwihariko basabwe gukoresha neza inyongeramusaruro nta kuyinyanyagiza igashyirwa hafi y’igihingwa, kuko ibyo bihingwa biba byatewe neza, bigatanga umusaruro ushimishinje.
Umwe mu bahinzi borozi witabiriye iyo nama witwa Gafaranga Joseph waturutse mu Urugaga Imbaraga, ashingiye kuba abagore n’urubyiruko bagomba koroherezwa muri uyu mushinga, yagize ati ‘‘ Abagore n’urubyiruko ni bo benshi, ni bo bamenya cyane ibitunga urugo, ni we umenya utuntu tw’ibanze, bagomba koroherezwa, urubyiruko nta ngwate rufite rwo kwinjira mu buhinzi, abasanzwe b’abahinzi borozi ni abarengeje imyaka 50 nibabikore bakiri bato, bakoreshe ikoranabuhanga bityo n’imiryango izatera imbere’’.
Gafaranga Joseph Umuyobozi mu rugaga imbaraga bakora ubuhinzi bworozi.
Gafaranga Joseph waturutse mu Urugaga Imbaraga yashimye gahunda yo kunganira abahinzi borozi, kuko bagiye kubonamo inyungu bunganirwa mu bikorwaremezo, kuko ubucuruzi nibukorwa neza bizatanga umusaruro ku muturage n’umuhinzi mworozi.
Ati ‘‘Igiciro cyiza yaranguriyeho kizamuha inyungu, bizatuma abona imbuto nziza, ubucuruzi nibushyirwamo gahunda, bizafasha no mu gihe cy’amapfa, ibigega bikubakwa mu gihe cy’umusaruro’’.
Yashimiye byimazeyo uburyo Leta yorohereje abahinzi borozi, uburyo bwo gutanga inyungu nke ku nguzanyo, ni mu gihe za Sacco kuri ubu zari zigeze ku inyungu ya 24% naho banki z’Ubucuruzi zigeze kuri 18% ati ‘‘ni kintu dushimira Guverinoma y’u Rwanda mu kunganira abahinzi’’.
Yagize ati ‘‘Amaherezo ndabona tuzabona banki y’abahinzi mu ishoramari, bitewe ni uko Guverinoma yatangiye gutanga ubwishingizi ku ngwate, tuzishyira hamwe abahinzi bagire ubuhinzi bwunguka mu gukemura ibibazo by’ubukene bafite batere imbere, bave mu cyiciro cy’ubudehe bariho bajye mu kindi kigana ku bukire.
Uwo mushinga watewe inkunga na banki y’isi (World Bank), witabirwa n’abayobozi batandukanye ndetse n’abahinzi borozi mu Rwanda, bishimira ko bubaye ubwa mbere amafaranga angana atyo yunganira ubuhinzi n’ubworozi mu kwihaza mu biribwa no gusagurira amasoko n’inganda.
Basanda Ns Oswald
