Leta y’u Rwanda yatangije gahunda yo kuvugurura urwego rw’amabanki nyuma yo gusanga uburyo akoramo bushyira inyungu zayo imbere kurusha inyungu z’abaturage. Ibi byashyizwe ahagaragara muri raporo nshya y’ingenzi izamurikirwa abakuru b’amabanki n’abafatanyabikorwa bayo kuri uyu wa Kane mu nama irabera muri Kigali Convention Center.
Gahunda nshya yiswe Financial Sector Development Strategy (FSDS 2025–2030) igamije guca imikorere y’amabanki ishingiye ku nyungu zihanitse, kugabanya ikinyuranyo kiri hagati y’inyungu batanga ku nguzanyo n’iyo baha abizigamira, no guteza imbere uburyo bw’inguzanyo zihendutse ku baturage n’abikorera.
Amabanki yunguka cyane kurusha uko atanga umusaruro
Raporo yerekana ko amabanki yo mu Rwanda ari mu yunguka cyane muri Afurika, aho inyungu ku mutungo shingiro (ROE) iri kuri 25% inshuro ebyiri hejuru y’impuzandengo y’isi. Ariko iyo nyungu ntituruka ku bwiza bwa serivisi cyangwa udushya mu ikoranabuhanga, ahubwo ku kinyuranyo gikabije hagati y’inyungu z’inguzanyo n’inyungu ku bizigamira.
Ibi bivuze ko amabanki atanga inguzanyo ku nyungu zihanitse, ariko abizigamira ntibahabwe inyungu iboneye ku mafaranga yabo. Leta ivuga ko ibi ari “ubusumbane bwubatswe mu rwego rw’amabanki” butuma abaturage batizigamira kandi bigatuma inguzanyo ziba ziri hejuru cyane.
Mu Rwanda hari amabanki 11 yemewe, ariko atatu gusa: Bank of Kigali, Equity Bank, na I&M Bank zigenzura hafi 80% by’isoko ry’inguzanyo n’amafaranga yinjira mu mabanki. Ibi byahaye ayo mabanki ububasha bwo gushyiraho inyungu zihanitse.
Mu by’ukuri, 51% by’umutungo w’amabanki yose mu Rwanda ufitwe n’amabanki y’abanyamahanga, mu gihe BK na BRD byegamiye kuri Leta bifite 37%, naho Zigama CSS, banki y’abasirikare, ikagira 11%.
Raporo yerekana ko amabanki yo mu Rwanda ari mu ahenze mu micungire mu karere, aho ikiguzi cy’imikorere kigeze kuri 3.84% by’umutungo wayo wose, hejuru y’impuzandengo ya Afurika iri kuri 3.6%.
Ibi biterwa n’uko amabanki menshi akiri gukoresha uburyo bwa kera, amashami menshi, impapuro nyinshi, no gushingira ku amafaranga yo mu ntoki. Ibi byose bitwara amafaranga menshi kandi bikarangira uwo mutwaro ushyizwe ku bakiriya.
U Rwanda ruracyishingikiriza ku mafaranga yo mu ntoki
Nubwo igihugu kimaze kugera ku rwego rwo hejuru mu ikoranabuhanga, raporo yerekana ko hagati ya 2018 na 2024, amafaranga ari mu ntoki yiyongereyeho 76%, naho ayo abaturage bakura muri Banki Nkuru y’u Rwanda akiyongeraho 94%.
Ibi bisobanura ko abantu benshi bakura amafaranga muri banki aho kuyabika yo, bigatuma gahunda yo kubaka ubukungu bushingiye ku ikoranabuhanga idindira.
Urwego rw’ubuhinzi rukoresha hafi 40% by’Abanyarwanda, ariko rukabona 1% gusa by’inguzanyo zose zitangwa n’amabanki. Ibi byagaragajwe nk’ikimenyetso cy’ubusumbane mu itangwa ry’inguzanyo, aho ubucuruzi n’imiturire bifatwa nk’ibyizewe cyane kurusha ubuhinzi.
Leta ivuga ko ibi bituma abatuye mu byaro badahabwa amahirwe angana n’abo mu mijyi, bityo bigasubiza inyuma iterambere rirambye.
4 Responses
ahubwo hari n’ikibazo cyo kwima inguzanyo abakuze n’iyo baba bafite ingrate ikubye inshuro 10 y’inguzanyo basaba. iki kibazo kiri no bigo by’ubwishingizi bitwimu ubwishingizi bw’ubuzima ibi nabyo ntitwumva igisobanuro cyabyo
Ubu se ni ho leta ikibibona koko!!!
Aruko iyo bank ivuga ngo mu mezi 6 yungutse miliyari 10, Leta ibibona igaceceka ubwo bitaniyehe na bank Ramberi Leta yirirwa irwanya??imitungo yabantu yirirwa itezwa cyamunara hatitaye kureba impamvu. Leta yadutanzzho ingwate rwose!!
Banga gutanga inguzanyo naho bayiguhereye ukishyura inyungu iri hejuru cyane! ikindi abantu bakuze ntabwo bahabwa inguzanyu akanshi barabagora cyane ngo ingwate ni umutungu w’umukiriya ngo agaragaze ahantu hazava ubwishyu shn kandi ibi bimaze igihe kinini pe!