Menya impamvu Banki igusaba inyungu y'ikirenga ku nguzanyo wahawe #Rwanda #RwOT via @kigalitoday #rwanda #RwOT


Hari Umudepite mu Nteko Ishinga Amategeko y'u Rwanda wabajije icyo kibazo Guverineri wa BNR, John Rwangombwa mu cyumweru gishize, ubwo yari amaze gusobanura ibijyanye n'imiterere y'ubukungu muri ibi bihe by'icyorezo Covid-19.

Guverineri Rwangombwa yavuze ko BNR yahaye uburenganzira amabanki, bwo kuvugurura inguzanyo zatanzwe ku bakiriya bayo bitewe n'uko icyorezo Covid-19 ngo cyatumye bahomba, bamwe bakananirwa kwishyura neza.

BNR ivuga ko mu mwaka wa 2020/2021 amabanki yatanze inguzanyo yiyongera ku myenda yanganaga n'amafaranga y'u Rwanda miliyari 776, kugira ngo abasabye inguzanyo bongere ibyo bakora banabashe kwishyura ayo bari barananiwe, ngo yanganaga na 5.7% by'inguzanyo bari bahawe.

Guverineri Rwangombwa yagize ati “Kubera icyorezo twabonaga ko abantu badashoboye kwishyura neza imyenda yabo, ubusanzwe umuntu yemerewe kuvugurura umwenda (guhabwa umwenda wiyongera ku wo yari asanzwe yarafashe) bitarenze inshuro ebyiri, ariko twemereye amabanki ko bavugurura imyenda bikagera byibura ku nshuro enye bitewe n'ubwumvikane bafitanye n'abakiriya babo”.

Ubusanzwe iyo umuntu asabye umwenda wiyongera ku wo yari yarafashe, yongererwa imyaka yari kuzamara yishyura uwo mwenda buri kwezi ndetse n'inyungu azishyuriraho.

Ibi byatumye amabanki arushaho kunguka kuko inyungu yari yabonye muri 2019 yanganaga n'amafaranga miliyari 33 yaje kugera kuri miliyari 56 muri 2020/2021.

Abadepite babajije Guverineri Rwangombwa impamvu ibiciro by'ibintu bitandukanye bikomeje gutumbagira ndetse n'amabanki akaba asaba abakiriya bayo inyungu y'ikirenga igera kuri 18%, nyamara BNR yo iba yayahaye amafaranga azishyurwa hiyongereyeho inyungu ya 5% gusa.

Impuguke mu bijyanye n'ubukungu, Teddy Kaberuka twaganiriye atanga ibisobanuro birambuye kuri ibyo bibazo byombi, aho ibijyanye no kwiyongera kw'inguzanyo ngo bitavuze ko ibiciro bigomba kugabanywa, ahubwo ngo bivuze ko ibikorwa by'abasabye inguzanyo byiyongera, bigatuma haboneka imirimo myinshi.

Ku kijyanye n'inyungu y'ikirenga amabanki asaba abakiriya bayo bahawe inguzanyo, Teddy Kaberuka avuga ko biterwa n'impamvu zigera kuri eshanu cyangwa zirenga.

Yagize ati “Inguzanyo uzayishyura banki hiyongereyeho ya nyungu ya 5% ya BNR, hakiyongeraho ko ifaranga ry'u Rwanda rizaba ryataye agaciro ku rugero rwa 5.8% mu myaka nk'itatu, hakiyongeraho ay'ibyago by'uko ushobora kutishyura, hakiyongeraho ayo(imifuragiro) banki iha umukozi wakoze kuri iyo dosiye, ndetse n'umusoro ku nyongeragaciro(TVA) kuko abasabye inguzanyo bawishyura”.

Teddy Kaberuka avuga ko umuntu ashyize hamwe izo mpamvu zose ari bwo abona ya nyungu ya 18% yiyongera ku nguzanyo umuntu aba yahawe.

Icyakora ngo hakenewe gahunda isobanura impamvu banki zitanga inguzanyo ku nyungu zitandukanye, aho zimwe zisaba kongererwaho 16% by'ayo zihaye umukiriya, izindi zikongeraho 17%, izindi 18%, ndetse ibigo by'imari byo bikaba bigeza no kuri 24%.




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