Banki y’u Rwanda itsura Amajyambere,BRD, yatangaje ko iri gusaba ko habaho amavugurura mu itegeko rigenga inguzanyo na buruse bihabwa abanyeshuri, kuko rigaragaramo icyuho cy’ibihano mu gihe banze kwishyura.

Kuva mu 1980 ubwo gahunda yo kwishyurira abanyeshuri ku nguzanyo ya Leta yatangiraga, yari mu nshingano za Minisiteri y’Uburezi n’ibindi bigo biyishamikiyeho.

Icyo gihe ariko kwishyuza abanyeshuri byaragoranaga bitewe no kuba ari inzego nyinshi zibigiramo uruhare.

Kugira ngo bigende neza, mu 2015 iyo gahunda yashyizwe mu maboko ya BRD ngo abe ari yo ihangana no kugaruza ayo mafaranga, ibintu ihuriramo n’imbogamizi nyinshi.

Kugeza muri Mutarama 2021, abarebwa na gahunda yo kwishyura bamaze kubishyira mu bikorwa ni 18,626 bangana na 13.3% bya 139,925 barebwa nayo bose hamwe.

Nubwo imibare ingana ityo ariko, hagaragazwa ko ababana n’ubumuga ndetse n’abapfuye bo batabarwaho umwenda.

Umuyobozi ushinzwe inguzanyo muri BRD, Byaruhanga Edward, yabwiye New Times ko itegeko rirebana n’inguzanyo zihabwa abanyeshuri ririmo icyuho.

Yasobanuye ko ingingo ya 22 n’iya 23 z’itegeko No 44/2015 ryo ko wa 14/09/2015 rigenga inguzanyo na buruse bihabwa abanyeshuri, zigena ibihano ku mukoresha utamenyekanisha ko umukozi wahawe inguzanyo yahawe akazi, ndetse no ku wahawe inguzanyo utishyura; ariko ntihagaragazwa intambwe ikurikiraho.

Ati “Iri tegeko ntabwo ridufasha mu by’ukuri, kubera ko iyo abahawe inguzanyo batishyuye nta tegeko rikurikirana ishyirwa mu bikorwa ry’ibihano.”

Kuri we ngo ibyo bituma abakoresha badaha agaciro ibyo bihano ndetse bakagira uruhare mu kuba abarebwa n’iyo gahunda batishyura.

Yakomeje ati ”Tubaye dufite ububasha duhabwa n’amategeko bwo gufunga konti za banki z’ibigo runaka cyangwa abantu ku giti cyabo kubera ko batishyuye inguzanyo mu gihe bafite ibikorwa bibinjiriza, bakubahiriza iyo gahunda.”

Byaruhanga avuga ko ubwo buryo busanzwe bukoreshwa n’ahandi muri aka karere.

Umuyobozi w’Inama Nkuru y’Amashuri Makuru na za Kaminuza (HEC), Dr. Rose Mukankomeje, yatangaje ko hari gukorwa inyigo y’umushinga w’itegeko rizafasha gukemura icyo kibazo.

Yagize ati ”Ibiganiro biri gukorwa ngo hashyirweho ingamba n’uburyo bwo kubishyira mu bikorwa. Abantu bagombye kumva ko ayo mafaranga agenewe gufasha urundi rungano, ibyo bikaba bizagerwaho ari uko bayishyuye.”

Ku rundi ruhande ariko BRD ikunze guhura n’izindi mbogamizi mu kwishyuza abahawe inguzanyo na Leta zirimo kubura amakuru yo mu myaka ya 1980 ubwo iyo gahunda yatangizwaga. Ibyo ngo bituma bigorana kumenya imyirondoro yuzuye y’uwahawe inguzanyo.

Icyakora hari gukorwa ibishoboka byose ngo haboneke amakuru yimbitse, ndetse iyo banki iri gukorana na Minisiteri y’Ububanyi n’Amahanga ngo bamenye aho abarebwa n’icyo gikorwa bari hanze y’igihugu baherereye.

Ubusanzwe inguzanyo na buruse bihabwa umunyeshuri urangije amashuri yisumbuye ugiye kwiga muri Kaminuza y’u Rwanda (UR) cyangwa mu Ishuri Rikuru ry’Ubumenyingiro (RP), akaba yaragize amanota meza.

Iyo gahunda umunyeshuri arayisaba, akaba ashobora kuyemererwa cyangwa akayangirwa ku mpamvu zitandukanye.

Amategeko ateganya ko umunyeshuri wemerewe iyo gahunda agomba kwishyura iyo nguzanyo nyuma yo kurangiza amashuri akabona akazi kamuhemba cyangwa akaba afite indi mirimo akora imwinjiriza.

BIHINDUYE ISURA KARASIRA YATANGAJE KO AZIYAMAMARIZA KUBA PEREZIDA W’U RWANDA

SOURCE:Igihe

---

---