Ubu bushakashatsi bwamuritswe ku wa 24 Ukwakira 2024, bukorwa na Access to Finance Rwanda [AFR] ifatanyije na Minisiteri y'Imari n'Igenamigambi [MINECOFIN], Banki Nkuru y'Igihugu [BNR] n'Ikigo cy'Igihugu Gishinzwe Ubushakashatsi [NISR].
Ubushakashatsi bwa FinScope Rwanda 2024, bwagaragaje ko mu Rwanda hari abantu 3.616.951 bari hagati y'imyaka 16 na 30, bakaba bangana na 44% by'abakuze bose, kuko muri rusange abakuze bangana na 8.155.637. Kuva mu 2020, umubare w'urubyiruko wiyongereyeho 2%.
Abafite imyaka iri hagati ya 16-20 ni bo benshi mu rubyiruko kuko bangana na 36%. Imibare igaragaza ko 53% by'urubyiruko ari ab'igitsina gore, 68% byarwo bakaba mu byaro.
Ubu bushakashatsi bwagaragaje ko igipimo cy'urubyiruko rutagerwaho na serivisi z'imari cyagabanyutse 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.
Bwagaragaje ko uru rubyiruko rubadashobora kugera kuri serivisi z'imari kubera amahitamo yarwo, kuko akenshi iyo bakeneye amafaranga bayasaba/bayaguza abo mu miryango yabo cyangwa inshuti, kandi bakenera kwizigamira bakabikorera mu ngo zabo.
Ubwo ubu bushakashatsi bwamurikwagwa, urubyiruko rwari aho rwagaragaje ko no ku bakoresha izi serivisi, kubona imari bifuza mu mishinga yabo, bisa nk'ibikiri inzozi.
Umuyobozi Mukuru wa Access to Finance Rwanda, Jean Bosco Iyacu, yavuze ko bimwe mu bituma urubyiruko rwinshi rutagera kuri serivisi z'imari biterwa n'amabanki adaha urubyiruko serivisi zihagije.
Ati 'Igishoboka ni uko ari Minisiteri y'Urubyiruko natwe bafatanyabikorwa twashyira hamwe imbaraga kugira ngo urubyiruko turutegure neza, nibajya gushaka serivisi z'imari babe bagaragara neza bahabwe serivisi mu buryo bwihuta.'
Yakomeje agira ati 'Hari n'ubwo usanga urubyiruko rudafite amakuru kuri serivisi zirugenewe, ni ngombwa rero ko habaho n'ubukangurambaga bakamenya ko hari ibigo bifite gahunda zo kubafasha bakabyegera kugira ngo ubwo bushobozi babwubake hakiri kare bagitangira imishinga.'
Kugeza ubu AFR, ifite gahunda yo gufasha ba rwiyemezamirimo bakiri bato, aho yishingira imishinga yabo ku rugero rwa 70% mu bigo by'imari bitanga inguzanyo, bo bakishakira 30% by'ayo bakeneye.
Minisitiri w'Urubyiruko n'Iterambere ry'Ubuhanzi, Dr. Utumatwishima Jean Nepo Abdallah, yavuze ko Guverinoma y'u Rwanda ishyize umutima ku kuba urubyiruko rwose rwagera kuri serivisi z'imari.
Yijeje ko buri mwaka ba rwiyemezamirimo bazajya bahura n'abafatanyabikorwa ba Minisiteri ayoboye, kugira ngo haganirwe ku mbugamizi zihari, n'uko zashakirwa umuti.
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%] ku 2020 rugera kuri miliyoni 3,4 [94%] muri 2024.
Icyuho ku kugera kuri serivisi z'imari hagati y'abakuze n'urubyiruko cyaragabanyutse, kiva ku 8% mu 2020 kigera kuri 3% mu 2024, bitewe n'ubwiyongere bw'imikoreshereze ya serivisi z'imari zitari iza banki.
