Abadepite bavumbuye amanyanga aba muri za Cyamunara

Yanditswe na UMUHIRE Valentin

 

Abadepite mu Nteko ishinga Amategeko y’u Rwanda bavuga ko hari uburyo bwinshi bushobora gukoreshwa n’amabanki n’ibigo by’imali mu Rwanda kugira ngo byishyurwe amafaranga biguriza abantu bakananirwa kuyishyura bitabaye ngombwa ko buri gihe ingwate zatanzwe zigurishwa,kuko byanagaragaye ko mu itezwa rya cyamunara hakorwamo amanyanga menshi mu buryo budakemura ikibazo ku mpande zombi.

Itegeko rigenga ingwate mu Rwanda riteganya ko igihe banki cyangwa ikigo cy’imali cyagurije umuntu amafaranga akananirwa kuyishyura kandi yaratanze ingwate,iyo ngwate iba ishobora gufatirwa na banki cyangwa ikigo cy’imali, kikayikoresha ibikorwa bibyara inyungu kiyishyura bitabaye ngombwa ko buri gihe gihita kiyigurisha.
Bamwe mu badepite bagize komisiyo ishinzwe ubukungu n’ubucuruzi mu Nteko ishinga amategeko y’u Rwanda bemeza ko ,amabanki menshi ,iyo umuntu abuze ubushobozi bwo kwishyura umwenda ahita yihutira kumutereza cyamunara hatarebwe niba nta bundi buryo bakwiyishyura binyuze mu ngwate kandi bidasabye ko bayigurisha.

Amabwiriza y’Umwanditsi Mukuru ateganya ubwinyagamburiro mu kwishyura inguzanyo abaturage bahawe,binyuze mu ngwate,harimo gukodesha iyo ngwate,kuyiteza Cyamunara ndetse no kuyegukana igihe bibaye ngombwa.

Abagize iyi komisiyo y’Inteko Nshingamategeko mu cyumweru gishize bagiranye ibiganiro n’ikigo cy’igihugu gishinzwe iterambere RDB ;baganira ku bibazo byagaragaye mu mushinga w’itegeko rigenga service z’imali no kurengera umuguzi.
Aba badepte bavuga ko mu gihe umukiliya wa banki yatanze ingwate y’igikorwa gitanga inyungu nka hoteli cyangwa ikindi,igihe ananiwe kwishyura,iyo banki iba ishobora gufatira iyo hoteli ikaba ariyo iyicunga ikajya yiyishyura.Mu gihe banki yaba yamaze kubona amafaranga yayo hoteli igasubizwa nyirayo.
Ikigo cy’igihugu gishinzwe iterambere nacyo cyemeza ko hafi 99 ku ijana by’amabanki ahitamo guhita agurisha uwo mutungo kuko banki zitaba zifuza kwinjira mu bikorwa byo gucunga umutungo w’umwe mu bakiliya bayo.

Perezida wa Komisiyo y’ubucuruzi n’ubukungu Munyangeyo Theogene avuga ko binagira ingaruka ku buryo amabanki yiga ku mishinga yazaniwe n’abayaguza amafaranga.Ati “bitewe n’uko amabanki aba azi ko igihe umuntu azananirwa kwishyura azaterezwa cyamunara,bituma badafata igihe gihagije cyo kwiga ku mishanga bazanirwa n’abaguza.”Munyangeyo anavuga ko ibi bigira ingaruka ku bukungu bw’igihugu ngo kuko mu gihe cya cyamunara hari ubwo habaho uburiganya umutungo ugiye kugurishwa ugateshwa agaciro.

Aba badepite basabye RDB gushyiraho itsinda ry’impuguke zigomba kwiga uburyo amabanki yakwitabira gahunda yo kujya afatira imitungo yahaweho ingwate akayibyaza umusaruro aho guhita ayigurisha kuko kuyigurisha bihombya impande zombi.
Umunyamategeko Nizeyimana Elie ukurikirana amakimbirane abera mu muryango akanatanga inama mu by’amategeko avuga ko ikibazo cya Cyamunara ari kimwe mu bikurura amakimbirane mu miryango.Ati”kenshi kuko abantu baba bakeneye amafaranga cyane usanga badafata umwanya wo gusoma neza ingingo zigize amasezerano bagiranye na Banki ari naho usanga bagwa mu mutego igihe kwishyura byababereye umutwaro.”
Me Nizeyimana Elie nawe ntajya kure y’Abadepite akavuga ko za banki zitegura amasezerano y’ingwate zishyira ari naho hakunze kugora abaturage bakisanga baguye mu mutego wo kugurisha imitungo yabo nyamara hariho ubundi buryo ikibazo cyakemuka bitabaye kugurisha.Ati”kuba Abashingamategeko nabo babiteye imboni ni intambwe ikomeye yo kwishimira no kureba uko ayo mategeko yavugururwa.”
Inama y’aba Minisitiri yateranye ku wa gatanu tariki ya 06 Werurwe 2020 yemeje ivugururwa ry’amabwiriza y’umwanditsi mukuru agenga ibyerekeye gukodesha,kugurisha muri cyamunara ndetse no kwegukana ingwate hagamijwe kunoza uburyo ubusanzwe bukurikizwa mu kugurisha ingwate.

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