Gutanga inguzanyo ku bahinzi bato ni imbarutso yo guteza imbere ubuhinzi
Hinga Weze na Equity Bank basinya amasezerano y'ubufatanye yo gutanga inguzanyo ku bahinzi bato
Ku bufatanye bwa Hinga Weze na Equity bank bagiye gutanga inguzanyo ku bahinzi bato, amakoperative, abacuruzi b’inyongeramusaruro n’abakusanya umusaruro ingana n’amafaranga y’u Rwanda 2.520.000.000.
Abahinzi bakaba bazagira amahirwe yo kunguka byinshi ku bikorwa byahurijwe hamwe birimo ubuhinzi bw’ibirayi, imboga n’imbuto, ibigori ndetse n’ubworozi bw’inkoko.
Namara Hannington, Umuyobozi wa Equity Bank yagize ati « Imikoranire dutangiranye na Hinga Weze niyo kwishimira kubera ubumenyi bafite mu buhinzi, natwe tukagira ibyo tuzi nka banki byo gutanga inguzanyo no gufasha abantu mu iyishyura niyishyurana ». Akomeza avuga ko bashyize hamwe ingufu, ubumenyi n’ubushobozi ngo barebe uko bazafasha abagenerwabikorwa babo aribo bahinzi n’aborozi.
Namara asobanura ko uzafata ideni rya banki ari ubikeneye, banki yamaze no kubona uburyo azakoresha inguzanyo ahawe, akiyungukira ariko akungukira na banki, akanishyura ideni yahawe.
Namara akomeza agira ati « Ubusanzwe twakoranaga n’abahinzi n’aborozi bari ku rwego rwishoboye ni ukuvuga abamaze kugira imari iteye imbereho gato, cyangwa ibikorwa bimaze gutera imbereho gato bishobora kurembuza banki ». Equity Bank igiye gufatanya na Hinga Weze kugira ngo barebe uko abo bahinzi bato babagira banini naho bahera. Namara anavuga ko kugeza ubu nka banki bari bataragura amarembo yo kujya mu buhinzi n’ubworozi, iyi akaba ari imbarutso yo guteza imbere ubuhinzi n’ubworozi. Aho ingwate ari ibikorwa by’abahinzi bazafata inguzanyo. Naho ibijyanye n’inyungu, ngo ntizashyirwaho na banki ahubwo izashyirwaho n’uwahawe inguzanyo, bakaba bazafatanya kureba ibikorwa barimo bakora, no kugena ibizakurikizwa.
Daniel Gies, Umuyobozi wa Hinga Weze yahuje abahinzi na Equity bank aragira ati « Kubijyanye no kwishyura, bazishyura neza inguzanyo bazahabwa, kuko biteguye neza, basanzwe bafite ibikorwa byiza, bafite amakuru ku bijyanye n’isoko, iyo wejeje neza kwishyura inguzanyo biroroha ».
Ndetse ngo bazabafasha kunoza ibikorwa byabo nkuko basanzwe babikora, ariko bakaba bari bakeneye inguzanyo ibafasha kwagura no kunoza ibyo bikorwa.
Ku bijyanye n’uko ibiza bishobora kwangiza imyaka y’abahinzi bazahabwa inguzanyo bakabura ubwishyu, Daniel yasobanuye ko abahinzi bazahinga ku butaka bwatunganyijwe, ahari amaterasi y’indinganire, ubutaka bwuhirwa kandi ko bazakomeza kubinoza bafatanyije na Leta bityo bigatuma ibyago byo guhomba bigabanuka.
Hagendewe ku masezerano yo gusinya ku bufatanye, abahinzi 5000 bazahabwa inguzanyo y’amafaranga y’ u Rwanda 500.000.000, mu gihe amakoperative 25 y’abahinzi azahabwa inguzanyo y’amafaranga y’ u Rwanda 300.000.000, naho abakusanya umusaruro bahabwe inguzanyo y’amafaranga y’ u Rwanda 1.500.000.000, abacuruzi b’inyongeramusaruro bahabwe inguzanyo y’amafaranga y’ u Rwanda 220.000.000.
Binyuze muri ubu bufatanye, abahinzi ibihumbi 10 n’amakoperative 50 bazahugurwa ku inozwa ry’umusaruro, guhunika kijyambere, imiyoborere myiza no gucunga umutungo.
Ku nkunga ya USAID, Hinga Weze kugeza ubu, ifite ubufatanye n’ibigo 25 by’imari birimo amabanki y’ubucuruzi, ibigo by’imari iciritse ndetse na koperative zo kuzigama no kuguriza (SACCOs), aho byorohereje abahinzi kubona inguzanyo y’amafaranga y’ u Rwanda 3.587.580.000 mu gihe intego ari uko mu myaka 5 yaba igeze kuri miliyari 5,3 z’amafaranga y’u Rwanda. Abahinzi bagera kuri 41.552 nibo bitabiriye ibigo by’imari mu bahinzi 63.746 bagenewe iyi gahunda mu gihe cy’imyaka itanu (2017-2022).
Hinga Weze ni umushinga watangijwe ku bufatanye n’Ikigo k’Igihugu Gishinzwe Guteza Imbere Ubuhinzi n’Ubworozi (RAB) ku nkunga y’Umuryango w’Abanyamerika wita ku Iterambere Mpuzamahanga (USAID) mu gihe cy’imyaka 5 (2017-2022). Ukaba ugamije kuzamura mu buryo burambye umusaruro w’abahinzi n’aborozi bato, kuzamura imirire y’abagore n’abana, no kongera imbaraga z’ubuhinzi n’ibiribwa mu Rwanda mu bihe by’imihindagurikire y’ikirere.
Kugeza mu 2022, umushinga uzaba umaze kugirira akamaro abahinzi n’aborozi barenga ibihumbi 700 mu turere 10 uyu mushinga ukoreramo ari two Bugesera, Gatsibo, Kayonza na Ngoma (Iburasirazuba) ; Karongi, Ngororero, Nyabihu, Nyamasheke na Rutsiro (Iburengerazuba) na Nyamagabe (Amajyepfo).