Nyumay’amezi atandatu (6) uhereye muri Mutarama, abize kaminuza bigira ku nguzanyo ya leta bakaba bataratangira kuyishyura konti zabo za banki cyangwa iz’ibigo bakorera zizatangira gufatirwa banimwe inguzanyo za Banki mu gihe bazikeneye.
Ibi bishingiye ku iteka rya minisitiri no 001/mineduc/2023 ryo ku wa 04/01/2023 rigena ibigenerwa abanyeshuri
Iri teka riha ububasha Banki y’iterambere ry’Igihugu gufatira ibihano abatazishyura iyi nguzanyo. Iri teka kandi rivuga ko nyuma y’imyaka ibiri umuntu wishyuriwe na Leta arangije kwiga ategetswe kumenyesha iyi banki mu nyandiko umwirondoro we n’aho aherereye.
Rurangwa Wilson, ushinzwe inguzanyo zihabwa abanyeshuri muri Banki ishinzwe iterambere BRD, avuga ko umukozi n’umukoresha bose bashobora guhanirwa kutishyura iyi nguzanyo.
Rurangwa ati: “ Umukozi ategetswe kubwira umukoresha we ko yigiye kunguzanyo ya leta ko agomba kuyishyura, umukoresha akabimenya akajya ayakata akayishyura.” Rurangwa akomeza agira ati:
“ Mu gihe umukoresha atayishyuye arabihanirwa kuko acibwa amande angana n’10 % ry’ayo yagombaga kwishyura. Ibi ni kimwe no mu gihe umukoresha atabibajije umukozi we, ariko mu gihe umukoresha ayakase umukozi ntayishyure ayishyura yongeyeho amande ya 1.5%.”
Ibi binareba abikorere kuko nabo basabwa kwegera iyi banki ikabereka umwenda babereyemo Leta bakerekwa n’uburyo bazawishyura.
Rurangwa akomeza avuga ko ubu byoroshye kumenya abagomba kwishyura kuko babareba hifashishijwe irangamuntu hakarebwa abakozi bishyurirwa imisoro mu kigo cy’igihugu gishinzwe imisoro n’amahoro (RRA), ariko batishyura ideni rya leta bigiyeho kaminuza.
Nyuma y’amezi atandutu (6) iyi banki yihaye izatangira gufatira ibyemezo birimo gusaba banki zitandukanye kwima inguzanyo abazisaba barimo uyu mwenda no gufatira konti zabo bwite cyangwa iz’ibigo bakorera.
Rurangwa ati : “ Dushobora kwandikira banki tukayisaba gufatira konti z’abatubereyemo uyu mwenda. Ikindi ni ugukorana n’abashinzwe inguzanyo mu mabanki bakakwima inguzanyo kuko ufite undi mwenda, gusa ubu hari banki nke zibyemera izindi zo ntiziha uyu mwenda agaciro.”
Rose Mukankomeje, umuyobozi w’inama nkuru y’amashuru makuru na Kaminuza HEC, avuga ko abigiye kuri iyi nguzanyo bagomba kuyishyura kugirango n’abandi bige.
Ati: “ Ubu hari amahirwe kuko hishyuzwa gusa abafite akazi, abatarakabona ntibishyuzwa. Abagafite rero bagomba kwishyura ikigega kigakura kuko hari intego y’uko iki kigega cy’ayo bishyuye aricyo kizajya kishyurira abandi banyeshuri.”
Kuva mu mwaka wi 1980 leta itangiye gutanga ubufasha mu kwiga amashuri makuru na kaminuza yatangaga inguzanyo y’ibihumbi 40 gusa yo kwandika igitabo,andi aybaga ari inkunga ya Leta itishyurwa. Abize kuva mu 1980 kugeza mu 1989 bazishyura ibi bihumbi 40 gusa.
Abize bishyurirwa na Leta kuva mu mwaka wi 1989 kugeza muri 2008 bo bazishyura inguzanyo bahawe y’amafaranga ibihumbi 25 yo kubatunga gusa, mu gihe abize kuva 2008 kugeza ubu bo bagomba kwishyura inguzanyo yose bahawe ikubiyemo amafaranga yo kubatunga n’abamafaranga yose y’ishuri wongeyeho n’inyungu yayo.
Kuva mu mwaka wi 2016 banki y’iterambere ry’u Rwanda BRD, ihawe inshingano zo kwishyuza abahawe inguzanyo yo kwiga, kuri ubu imaze kwishyuza ababarirwa mu bihumbi 29 bakaba bamaze kwishyura arenga miliyari 21.
