Hagiye kwemezwa itegeko rigenga imishinga y'ishoramari igitangira mu Rwanda

Ni ingingo yagarutseho ku wa 24 Ukwakira 2024, ubwo hamurikwaga ubushakashatsi bwa Rwanda FinScope 2024 bwakozwe hagamijwe kureba uko urubyiruko rugera kuri serivisi z'imari mu gihugu 'Youth Financial Inclusion Thematic Report'.

Ubu bushakashatsi bwagaragaje ko kugeza ubu Abanyarwanda bangana na miliyoni 7,8 [96%] bagerwaho na serivisi z'imari. Urubyiruko rugerwaho n'izi serivisi rwavuye kuri miliyoni 1,8 [87%] mu 2020 rugera kuri miliyoni 3,4 [94%] muri 2024.

Ubu bushakashatsi bwagaragaje ko igipimo cy'urubyiruko rutagerwaho na serivisi z'imari cyagabanutse kiva kuri 13% [260.000] mu 2020 kigera kuri 6% [200.000] mu 2024. Ibi bivuze ko uru rubyiruko nta serivisi y'imari n'imwe rukoresha.

Igikorwa cyo kumurika ubu bushakashatsi, cyahurijwe hamwe n'icyateguwe na Minisiteri y'Urubyiruko n'Iterambere ry'Ubuhanzi ku bufatanye n'abandi bafatanyabikorwa, cy'umusangiro na ba rwiyemezamirimo bakiri bato barenga 200 baturutse mu turere dutandukanye.

Intego yari ukuganira ku mbogamizi ahanini zikoma mu nkokora iterambere ry'imishinga y'ishoramari igitangira, n'icyakorwa ngo haboneke umuti.

Benshi mu bari bari aho bagaragaje ko bagorwa cyane no kugera ku mari baba bifuza, amahitamo kuri bamwe akaba kwirengagiza inzozi zabo.

Ishimwe Grace, ufite ikigo gikora imyenda n'ibindi bikoresho by'imideli hifashishijiwe imashini zidoda, IG Wear Rwanda Ltd, yavuze ko mu rubyiruko rwinshi usangamo ibibazo byo kubura igishobora gihagije, no kwaka inguzanyo nta ngwate bikagorana.

Ati 'Hari ubwo ubona isoko, ugakenera amafaranga kugira ngo ubone uko urihaza, ariko kubera ibyo bibazo bikagorana. Yego BDF igufasha nka 75% gusa ariko hari igihe usaba serivisi rimwe zigatinda ibintu nk'ibyo bigatuma tudindira.'

Yavuze ko ba rwiyemezamirimo baba bagitangira bagorwa n'imisoro imwe n'imwe akenshi iba iri hejuru, asaba ko icyo nacyo cyakwigwaho bakajya boroherezwa.

Hari nabasabye ko urubyiruko rwashyirirwaho 'One Stop Center' ku buryo rwazajya rubarizamo ibyo rukeneye byose, bidasabye kujya ahantu hatandukanye, rimwe bakanumvwa bitandukanye.

Umuyobozi mukuru w'ikigega gishinzwe guteza imbere imishinga mito n'iciriritse, BDF, Vincent Munyeshyaka, yavuze ko amabanki ashyiraho inzitizi zitari ngombwa ndetse ntizizere imishinga y'abakiri bato kandi bidakwiye. Yasabye imikoranire ikwiye y'inzego zinyuranye kugira ngo urubyiruko rureke gusiragizwa.

Kugeza ubu BDF yishingira imishinga y'urubyiruko ku rugero rwa 75% mu gihe indi isanzwe iyishingira ku rugero rwa 50%. Mu mafaranga amaze gutangwa nk'ingwate, urubyiruko rwihariye 28% yayo gusa.

Minisitiri Dr. Utumatwishima yavuze ko 'Guverinoma y'u Rwanda ishyize umutima' ku kuba urubyiruko rw'u Rwanda rwagera kuri serivisi z'imari.

Ati 'kwemeza itegeko rigenga imishinga y'ishoramari igitangira bigeze ku rwego rwa Guverinoma, ryamaze kugezwa mu biro bya Minisitiri w'Intebe, turimo kuryigaho kugira ngo ribe ryatambuka. Harimo ibishobora kungura abantu bakora imishinga itandukanye irimo nk'iyikoranabuhanga n'iyindi. Riri hafi kurangira.'

Yavuze ko iri tegeko rizorohereza imishinga igitangira mu Rwanda kugera ku mari mu buryo bworoshye.

Mu gihe iri tegeko ryaba ryemejwe riri mu nyungu za ba rwiyemezamirimo, ryazatanga umusanzu ukomeye mu gukuraho ikibazo nyamukuru bahura nacyo.

Minisitiri Dr. Utumatwishima yavuze ko iki gikorwa cyo guhuza ba rwiyemezamirimo bakiri bato kibaye ku nshuro ya mbere nk'igerageza, ariko kizajya kiba buri mwaka kikaba cyitezweho gutanga umusaruro mu bijyanye no gukuraho inzitizi ku mishinga y'ishoramari iba igitangira.

Minisitiri w'Urubyiruko n'Iterambere ry'Ubuhanzi, Dr. Utumatwishima Jean Nepo Abdallah, yijeje ko mu bihe bya vuba hazaba hasohotse itegeko rigenga imishinga y'ishoramari igitangira mu Rwanda

Umunyamabanga wa Leta muri Minisiteri y'Ubucuruzi n'Inganda, Antoine Marie Kajangwe, yagaragaje ko muri Minicom hari ubushake bwo gufasha urubyiruko

Umuyobozi mukuru wa BDF, Vincent Munyeshyaka, yasabye ko banki zakuraho amananiza zishyiriraho urubyiruko ruba rushaka gutangira imishinga y'ishoramari

Ba rwiyemezamirimo biniguye bagaragaza ibitagenda neza

Umuyobozi Mukuru wa Access to Finance Rwanda, Jean Bosco Iyacu, yavuze ko hakwiye kubaho ubukangurambaga urubyiruko rukamenyeshwa inzego zose zarushyiriweho zo kurufasha

Umunyamideli Franco Kabano Ntarindwa atanga igitekerezo

Iki gikorwa cyari cyitabiriwe na ba rwiyemezamirimo bato bagera kuri 200

Ubushakashatsi bwamuritswe bwagaragaje ko igipimo cy'urubyiruko rutagerwaho na serivisi z'imari cyagabanutse kiva kuri 13% [260.000] mu 2020 kigera kuri 6% [200.000] mu 2024