Iyi gahunda yo gutanga ubwishingizi ku matungo n’ibihingwa yatangiye ku wa 23 Mata 2019, igamije kugoboka abahinzi n’aborozi bishyurwa ibihombo bahura nabyo.
Minisiteri y’ubuhinzi n’ubworozi yatangaje ko muri aya matungo arenga ibihumbi 69 amaze guhabwa ubwishingizi muri yo inka ni 29 754, inkoko 37 970 n’ingurube 2 246.
Iyi gahunda y’ubwishingizi itangwa kuri nkunganire ya Leta ingana na 40% ku kiguzi cy’ubwishingizi.
Binyuze muri iyi gahunda ibigo by’ubwishingizi bimaze gushumbusha aborozi b’inka angana na 222 573 300Frw.
Aborozi babwiye IGIHE ko iyi gahunda yaje ikenewe kuko mbere bapfushaga amatungo yabo bikabakenesha.
Nzabahimana Innocent utuye mu Murenge wa Kigali, mu Karere ka Nyarugenge, yavuze ko mbere y’uko afata ubwishingizi yapfushaga inka bikamuviramo igihombo.
Ati “Napfushaga inka cyane, nkahomba ariko aho ngiriye mu bwishingizi, iyo ngize ikibazo mbona bantabara., ahubwo n’ubu ndi gutegura kwishyura bwa kabiri.”
Yavuze ko yishingiye inka ze ebyiri atanze 32 400Frw.
Usibye kuba gahunda ya Tekana Urishingiwe Muhinzi-Mworozi ifasha guha ubwishingizi abahinzi n’aborozi, inabafasha kubona inguzanyo mu bigo by’imari n’amabanki mu buryo buboroheye.
Umuyobozi wa Agribusiness Focus Ltd, ikigo gikora ubworozi bw’inkoko mu Karere ka Musanze, Kazindangabo Jean Remy yavuze ko kuba barafashe ubwishingizi bw’inkoko zabo byabafashije no mu kubona inguzanyo.
Ati “Banki nazo zisaba ubwishingizi kugira ngo zimenye ko umushinga ntakibazo uzahura nacyo kandi nawe uba uvuga ngo haramutse habonetse igihombo banyishyura ntakibazo.iyo ubwishingizi buhari umuntu aba atekanye.”
Yavuze ko iyi gahunda yitabiriwe yatuma abantu bakora ubworozi bwa kijyambere neza kandi bukitabirwa kurushaho.
Nubwo bimeze gutya ariko Umuyobozi w’ishyirahamwe ry’abakora ubworozi bw’inkoko n’ibizikomokaho, Butare Andrew, yavuze ko hagikenewe gushyirwamo imbaraga kugira ngo iyi gahunda aborozi baumve iyi gahunda ari benshi.
Ati ”Ni gahunda nshyashya ntabwo iragera kuri benshi, n’aborozi benshi ntabwo barayisobanukirwa neza. Yamuritswe ku rwego rw’igihugu ariko ntiregera neza aborozi mu turere, mu mirenge, ubundi abashinzwe ubworozi bw’amatungo bo ku mirenge bakabaye bakangurira aborozi.”
Joseph Museruka ukurikirana Gahunda ya Tekana Urishingiwe Muhinzi-Mworozi muri Minagri yasabye abo bireba bose gukomeza gushyira imbaraga mu gusobanurira abahinzi n’aborozi akamaro k’iyi gahunda y’ubwishingizi.
Ati “Minagri irasaba abahinzi n’aborozi ndetse n’abafatanyabikorwa gusobanurira abahinzi n’aborozi iyi gahunda no kubafasha kuyijyamo.”
"Turasaba ibigo by’imari na banki korohereza abahinzi n’aborozi kubona inguzanyo mu buhinzi bakoresheje aya mahirwe y’uko ubwishingizi bwaba ingwate ku nguzanyo bahabwa.”
Muri gahunda y’ubwishingizi bw’amatungo,ikigo cy’ubwishingizi cyishyura inka,ingurube n’inkoko zishwe n’impanuka,indwara n’ibyorezo.
Ikuguzi cy’ubwishingizi ni 4.5% ku nka, 6% ku ngurube ndetse na 5.5% by’agaciro k’itungo ry’Inkoko, Leta ikunganira umworozi 40% by’ikiguzi cy’ubwishingizi naho umworozi akishyura 60%.
Iyo itungo ry’umworozi ripfuye ashumbushwa amafaranga angana n’agaciro itungo ryafatiyeho ubwishingizi. Urugero niba yarafashe ubwishingizi inka ye ifite agaciro k’ibihumbi 500 frw , iyo ipfuye niyo yishyurwa.
Muri rusange leta y’u Rwanda mu ngengo y’imari ya 2020/2021,ubuhinzi n’ubworozi byagenewe amafaranga miliyari 122.4Frw, hakaba harimo igice kigenewe kunganira abahinzi-borozi mu bwishingizi bwa bimwe mu bihingwa n’amatungo.
