Ikigega BDF cyanenzwe gutera inkunga  ba rwiyemezamirimo bagezeyo  barimo n’abanyamahanga 

Yanditswe na Karegeya Omar 

 

Raporo y’umugenzuzi mukuru w’imari ya Leta, igaragaza ko ikigega BDF kimaze imyaka 9 kidakora neza ibijyanye n’intego cyashyiriweho. Kwishingira ba rwiyemezamirimo bageze iyo bajya, kwirengagiza abagore n’urubyiruko, gutera inkunga abanyamahanga; ni bimwe mu byaranze imikorere y’iki kigega.

BDF yashyizweho na Leta y’u Rwanda mu 2011 hagamijwe gufasha ba rwiyemezamirimo bato kubona inguzanyo mu mabanki n’inama zijyanye no kwikorera. Ni muri gahunda yo kurwanya ubukene no guhanga imirimo, hitabwa ku bagore n’urubyiruko.

Nyamara amafaranga yagenewe abagore n’urubyiruko hamwe n’abavuye mu kigo cya Iwawa amaze gukoreshaho 28%. Kuva mu 2011 kugeza 2019; BDF imaze gukoresha 253,423,400 muri 904,752,807 yahawe ngo afashe biriya byiciro by’abanyarwanda. Umugenzuzi ati, “ibi birerekana ko BDF iri kure yo kugera ku ntego yashyiriweho”.

Umugenzuzi mukuru w’imari ya Leta yasanze iki kigega cyarateshutse ku nshingano kigira mu bindi, aho bigaragara ko cyanakoreye mu bihombo; kubera amakosa akurikira:

Gukereza no guca intege abagenerwanguzanyo

Miliyoni 178 n’igice zimaze gusubizwa BDF ziturutse muri za SACCO kubera zageze muri SACCO ba nyirimishinga baramaze kuzinukwa. Aya mafaranga yagaruwe na SACCO 18 zose, angana na 39% by’ayatanzwe na BDF yose.

Iki ni ikimenyetso cy’imikorere mibi ya BDF ibamo gutinda cyane, guhera mu kwiga umushinga kugeza mu gutanga amafaranga. Raporo yerekana ko amadosiye yagiye atinda hagati y’umwaka n’ibiri, kuva dosiye yakiriwe kugeza amafaranga ageze kuri nyir’umushinga. Ibi ngo nibyo byagiye bica intege bamwe muri ba rwiyemezamirimo baciriritse; ndetse bamwe bakanabivamo.

Kwishingira abatari ngombwa, nk’abanyamahanga

BDF yishingiye abanyamahanga batatu, miliyoni 261 ku mishinga itanu yabo; ariko ubu umwe wamaze kuzimira, kandi wagiyeho miliyoni 108.

Raporo ivuga ko BDF yashyize imbaraga mu kwishingira ba rwiyemezamirimo bamaze gufatisha, kurusha kwita ku baciriritse batanabasha kubona ingwate.

Kuva BDF yajyaho mu 2011, yahawe miliyari zisaga 49 (49,254,966,824) BDF. Ariko yatanzemo 25 gusa, zingana na 51%;  zihabwa imishinga 217, ingana na 2% y’imishinga 10,191 yari yagejejweho.

 Ibi bivuga ko impuzandengo y’ingwate yabaye miliyoni 115 ku mushinga umwe. Umushinga nk’uyu rero ni uwa rwiyemezamirimo ukomeye, binyuranije n’icyo yashyiriweho; kandi bica intege intego yashyiriweho yo kurwanya ubukene no guhanga imirimo kuri bacirirtse.

Ikindi si uko ba rwiyemezamirimo bakomeye badahomba, kuko imishinga 13 yahombye yari iyabo; irimo akayabo ka 1,672,244,176; angana na 54% by’ibihombo byose BDF yemeje.

Kwishingira imishinga itizweho neza

BDF yishingiye imishinga 11 itabanje kureba niba ishobora kubyara inyungu koko, niba yabona amasoko cyangwa izakorerwa ahari ibyangombwa by’ibanze byatuma ikorwa.

Muri 813,860,394 zagiye kuri iyi mishinga, BDF yashyuyemo 452,385,286 ; ni ukuvuga  56% by’ingwate yari yayishingiye.

BDF kandi ntiyagiye yita ku nyigo z’amabanki yerekanaga ko hari imishinga itizewe, ariko BDF ikarenga ikayishingira.

Hari imishinga ibiri amabanki yerekanye ko beneyo batujuje ibisabwa ngo bahabwe inguzanyo (banenzwe imyishyurire), ariko BDF ibirengaho ibishingira 415,659,411. Iyo mishinga yombi yarahombye, ubu (igihe cy’igenzura) BDF imaze kuyishyurira 45,203,738.

Ikindi BDF yishyurira abantu badakwiye, yabibujijwe n’abajyanama; hari miliyoni 548,470,327 z’imishinga itanu abajyanama bagaragaje ko itagomba kwishyurirwa; nyamara ubwo igenzura ryabaga ryasanze BDF imaze kwishyuramo 274,235,164.

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