Ibiciro bishya by'ubwishingizi bw'ibinyabiziga byatangajwe muri Mutarama 2018, kuko ibigo bitanga serivisi z'ubwishingizi byavugaga ko biri gukorera mu gihombo.
Imibare ya Banki Nkuru y'u Rwanda, BNR, igaragaza ko ingano y'amafaranga yishyuzwa ajyanye n'impanuka yiyongereyeho 18% mu 2022 kubera ubwiyongere bwazo.
Iyi mibare yerekana ko ko kugeza mu Ukuboza 2022, abantu bishwe n'impanuka bari 729, ugereranyije na 655 bapfuye kugeza mu Ukuboza 2021 na 687 kugeza mu Ukuboza 2020.
Nubwo ibiciro by'ubwishingizi bw'ibinyabiziga bitavuzweho rumwe, mu bihe bitandukanye BNR yagiye igaragaza ko bukizamura byari ngombwa kubera impanuka ziyongera umunsi ku wundi.
Urugero nka moto yishyuraga abarirwa mu bihumbi 140 Frw, ubwishingizi bwayo bwarazamutse bugera ku asaga ibihumbi 180 Frw ku mwaka.
Imodoka z'amakamyo nka HOWO zitwara ibikoresho by'ubwubatsi zishyuraga asaga ibihumbi 300 Frw zizajya zishyura ibihumbi bisaga 700 Frw ku mwaka.
Ubwishingizi bwa Taxi Voiture bwavuye ku bihumbi 179.992 Frw bugera hejuru y'ibihumbi birenga 350 Frw.
Imodoka zishyuraga ubwishingizi bw'ibihumbi 100 Frw bwo ikiguzi cyarazamutse kiba ibihumbi 160 Frw.
Guverineri wa Banki Nkuru y'u Rwanda, John Rwangombwa, ubwo yari mu kiganiro n'itangazamakuru kuri uyu wa 11 Gicurasi 2023 yasobanuye ko ibiciro by'ubwishingizi bw'ibinyabiziga byazamutse biturutse ku bwiyongere bw'amafaranga yishyurwa ku mpanuka zo mu muhanda.
Ati 'Iyo urebye mu myaka ibiri ishize impanuka zariyongereye n'amafaranga yishyurwa kubera impanuka biriyongera, igihombo gituruka ku bwishingizi bw'imodoka kirazamuka kiva kuri miliyari 2,6 Frw kigera kuri miliyari 4,7 Frw. Kubera uko kuzamuka kw'igihombo giterwa n'ibinyabiziga, kubera kuzamuka kw'impanuka abishingizi bagombaga gushaka uko baziba icyo gihombo.'
'Iyo bashyiraho igiciro ku bwishingizi, kigendana n'ibyo barimo kwishingira. Icyo barimo bishingira rero cyarazamutse na bo barazamura kugira ngo bashobore guhangana n'ibyo bibazo by'amafaranga yakwa kubera impanuka zigenda ziyongera.'
Guverineri Rwangombwa kandi yavuze ko kuba ifaranga ryarataye agaciro ku rwego mpuzamahanga byatumye ibiciro by'ibikoresho by'ibinyabiziga bisimbuzwa ibyakoze bitumbagira.
Ati 'Kubera ugutakaza agaciro k'ifaranga byabaye ku rwego mpuzamahanga, ibyuma by'imodoka [spare parts] nabyo byarahenze cyane, ibyo byose bituma bijya muri kiriya giciro cyo kuzamuka.'
Yavuze ko amafaranga yishyurwa abantu mu gihe imodoka yateye impanuka abatari bene yo ku modoka zitandukanye yiyongereyeho 50%, uretse kuri bisi nini byagabanutseho 50%. Ni mu gihe ku modoka ubwishingizi bwo bwagabanutse hafi ku binyabiziga byose.
Amakamyo manini ni yo afite umwihariko
Guverineri Rwangombwa yavuze ko amakamyo manini ya HOWO na FUSO ari yo agaragara mu mpanuka cyane, byatumye igiciro cy'ubwishingizi bwishyurwa mu gihe igonze umuntu utari nyirayo cyiyongera cyane.
Ati 'Aya makamyo manini ya HOWO na FUSO kuko ari byo bitera impanuka cyane ubwishingizi ku bantu yagonze atari bene yo bwarazamutse cyane bugera ku 150%, no ku bwishingizi busanzwe ntabwo byamanutse, ahubwo byariyongereye.'
Yahamije ko buri kigo cyakoze imibare yacyo gishingiye ku isuzuma ry'ingaruka ziterwa n'ibibazo bishingira, bareba ikibazo cy'ubwishingizi batanga n'ibyo bishyura, 'uretse ko henshi byenda kungana. Ni nk'uko ubona umuhinzi iyo yagiye guhinga agahura n'ibibazo, yaguze ifumbire ihenze, iyo ageze ku isoko arazamura.'
Umuntu ufite ikinyabiziga aba ategetswe kwishyura ubwishingizi bwishyura uwagonzwe atari nyiracyo bizwi nka 'third party' mu rwego rwo kugira ngo atazagonga umuntu akabura icyo amwishyura.
Muri rusange, abakoresha umuhanda bakoze impanuka bari 6351 kugeza mu Ukuboza 2020; 14.591 kugeza mu Ukuboza 2021 na 17.179 kugeza mu Ukuboza 2022.
Aho hose ni ko hasabwaga amafaranga yo kwishyura ibyangijwe, ku buryo amafaranga yasabwe kubera ubwishingizi bw'ibinyabiziga yazamutse akava kuri miliyari 21,1 Frw (63%) mu Ukuboza 2021, agera kuri miliyari 24,9 Frw (67%) mu Ukuboza 2022.
