Guverineri wa Banki Nkuru y’u Rwanda (BNR), Soraya Hakuziyaremye, yasabye ibigo by’ubwishingizi n’abandi bafatanyabikorwa mu rwego rw’imari kongera ubukangurambaga bugamije gufasha abaturage gusobanukirwa akamaro k’ubwishingizi no kuborohereza kububona, cyane cyane mu guhangana n’ingaruka z’ibiza n’imihindagurikire y’ikirere.
Yabigarutseho ku wa 21 Ukwakira 2026, ubwo yafunguraga Inama Mpuzamahanga ku Bwishingizi Budaheza (International Conference on Inclusive Insurance 2026), yitabiriwe n’inzobere n’abandi bafatanyabikorwa baganira ku buryo serivisi z’ubwishingizi zakwagurwa zikagera ku baturage benshi.
Iyi nama yibanze ku gushaka ibisubizo byafasha ibyiciro by’abaturage bikunze kugira amikoro make, birimo abahinzi bato n’abacuruzi bafite imishinga mito, kubona ubwishingizi bubafasha guhangana n’igihombo gishobora kubageraho.
Imibare yatanzwe igaragaza ko mu Rwanda, umubare w’abaturage bafite ubwishingizi bwigenga wavuye kuri 17% mu 2020 ugera kuri 27% mu 2024. U Rwanda rwihaye intego yo kuzamura uwo mubare ukagera kuri 45% mu 2035, binyuze muri Gahunda y’Igihugu yo Guteza Imbere Ubwishingizi.
Mu ngamba zashyizweho kugira ngo iyo ntego igerweho harimo Gahunda y’Igihugu y’Ubwishingizi bw’Ubuhinzi, aho Leta itanga inkunga ingana na 40% by’amafaranga y’ubwishingizi kugira ngo abahinzi barusheho kubona ubu burinzi.
Iyi gahunda igamije gufasha abahinzi kwirinda ingaruka z’igihombo gishobora guterwa n’ibiza n’ibindi bibazo byangiza imyaka, bityo bakabasha gukomeza ibikorwa byabo no kwirinda gusubira inyuma mu bukungu.
Ku rwego mpuzamahanga, ubwishingizi bw’ibihombo biterwa n’imihindagurikire y’ikirere n’ibiza buracyari hasi, cyane cyane mu bihugu bikiri mu nzira y’amajyambere. Ibi bituma ingo, abahinzi n’abacuruzi bato bahura n’ingaruka zikomeye iyo bahuye n’ibiza, kuko benshi baba badafite ubushobozi buhagije bwo kwiyubaka nyuma y’igihombo.
Umuyobozi ushinzwe Imikoranire n’Abakiliya muri MUA Insurance (Rwanda) Limited, Aisha Mslem, yavuze ko hakiri imbogamizi mu kugeza serivisi z’ubwishingizi ku baturage, zirimo imyumvire itari myiza kuri ubu buryo bwo kwirinda igihombo.
Yagaragaje ko hari abaturage babona ko kwishinganisha ari nko gutegereza ko ibyago bibageraho, bigatuma batitabira serivisi z’ubwishingizi uko bikwiye.
Yashimangiye ko hakenewe ubukangurambaga buhoraho kugira ngo abaturage basobanukirwe ko ubwishingizi ari uburyo bwo kugabanya ingaruka z’ibihombo bishobora kubageraho, aho kuba ugutegereza ko ibyago bibaho.
Ku bijyanye n’amafaranga yishyurwa, Mslem yasobanuye ko igiciro cy’ubwishingizi gishingira ku gaciro k’ikintu umuntu ashaka kwishinganisha ndetse n’ubwoko bw’ubwishingizi ahisemo.
