Abanyeshuri basaga 60,000 banze kwishyura inguzanyo bahawe kugirango babashe kwiga kaminuza kuva mu 1980 bituma leta isigara mu gihirahiro, aho mu rwego rwo kugaruza izo nguzanyo guverinoma yitabaje Banki y’Igihugu y’Iterambere BRD mu 2015, ngo ifashe kugaruza amafaranga yatanzwe no mu gukomeza guha inguzanyo abanyeshuri babikwiriye.
Kugeza ubu, biravugwa ko miliyari 17,1 z’amafaranga y’u Rwanda ari yo amaze kugaruzwa muri miliyari 82. Mbere y’uko BRD itangira inshingabo zo gukurikirana ibijyanye n’inguzanyo z’abanyeshuri Ikigo cya SFAR cy’Inama y’Igihugu y’Uburezi (REB) nicyo cyari kibishinzwe.
SFAR ikaba yarahaye uyu mushinga BRD imaze kugaruza miliyari 12 z’amanyarwanda, iyi banki yayisimbuye ikaba imaze kugaruza gusa miliyari 5,1, mu gihe yanatanze indi nguzanyo ya miliyari 60 ku banyeshuri bashya 28,500 muri kaminuza zo mu Rwanda n’abanyeshuri 365 biga muri kaminuza zo hanze nk’uko byatangajwe n’Umuyobozi wa BRD, Eric Rutabana.
Umuyobozi wa BRD ibi yabivugiye mu kiganiro n’itangazamakuru kuri uyu wa Kabiri nyuma ya saa sita, aho yahamagariye abahawe inguzanyo bose kwishyura kugirango banki ibashe gukusanya amafaranga yo gukomeza gutanga inguzanyo inafashe leta kugabanya amafaranga itanga ku burezi.
Icyagaragaye cyo, ni uko BRD itabashije no kumenya abantu bose bahawe inguzanyo mu myaka ya mbere, aho mu bantu 13,000 basoje hamenyekanye 6,000. Claudine Matata, ukuriye ishami rishinzwe kugaruza inguzanyo, akaba yatangaje ko hari ingufu zishyirwa mu guperereza no kumenya abagiye bahabwa inguzanyo hifashishijwe ikoranabuhanga rya MIS (management information system).
Nk’uko kuri ubu bimeze, umunyeshuri ushaka inguzanyo yo kwiga kaminuza ntakiyisaba minisiteri y’uburezi ahubwo ayisaba banki, aho asinyana nayo kontaro agahabwa inguzanyo azishyura n’inyungu yayo.
Abanyeshuri biga mu cyiciro cya mbere bakaba bishyura inyungu ya 11%, mu gihe abagiye mu cyiciro cya gatatu bishyura inyungu ya 12%. Uhawe inguzanyo akaba agomba gutangira kuyishyura ari uko yabonye akazi mu gihe cy’imyaka 15.
Niba umunyeshuri ahawe inguzanyo ya miliyoni 5frw, agomba kwishyura 36,600frw buri kwezi akazishyura angana na 5,490,000Frw.
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