Ikigega cya Leta gifasha ba Rwiyemezamirimo (BDF) gitangaza ko kigifite ubushobozi bwo kugoboka imishinga y’ubucuruzi yazahajwe na COVID19

Mu kiganiro kirambuye, The Bridge Magazine yagiranye na Beata Uwurukundo ushinzwe Ishami ryo gucunga amafaranga muri BDF yatangaje ko iki kigega kimaze gukoresha 52 % by’amafaranga Leta yakigeneye ngo agoboke imishinga y’ubucuruzi yazahajwe na COVID-19.

Uwurukundo yagize ati : « Ku mafaranga yagenewe Ubwishingizi ku ngwate, kuri miliyari 1.5, BDF imaze kwishingira imishinga 186 ku ngwate ingana na miliyoni 870, bikaba bingana na 52% y’ayo twahawe »

Mu mishinga yose yageze kuri BDF, ubwitabire bw’abagore buri ku kigereranyo cya 30%, bivuze ko ubwitabire bw’ abagabo ari 70%.

Abagana BDF bashaka inkunga yagenewe kuzahura imishinga babanza guca mu bigo by’imari. Imishinga mito itarengeje  miliyoni imwe y’amafaranga y’ U Rwanda bagana SACCO basanzwe bakorana, bitwaje inyigo y’umushinga, icyangombwa cy’Akagari cyerekana ko umuntu yakoraga mbere ya COVID 19 kandi umushinga we wadindiye cyangwa wahagaze kubera icyorezo cya COVID 19, kugaragaza ipatanti/ icyangombwa gitangwa na RDB kigaragaza ko iyo business arimo akora ijyanye n’umushinga wateguwe, ndetse ko uwo mushinga wemerewe no gukora muri ibi bihe bya COVID 19, n’ibyangombwa biranga uwaka inguzanyo.

Komeza hasi usome ikiganiro cyose The Bridge Magazine yagiranye na BDF

The Bridge Magazine: Muri iki gihe cy’icyorezo cya COVID19, ubukungu bw’u Rwanda cyane cyane ibikorwa by’ubucuruzi byarahungabanye. Hari gahunda Leta yashyizeho yo kuzahura ubukungu. Uruhare rwa BDF muri iyo gahunda ni uruhe?

Beata Uwurukundo : Nibyo koko hari gahunda yashyizweho na Leta y’u Rwanda mu gufasha guhangana no kuzahura imishinga yagizweho ingaruka na COVID 19. Muri miliyari 100 zahyizwe muri iyi gahunda, BDF yahawe miliyari 5, harimo miliyari 2 zagombaga kunyuzwa mu mirenge SACCOs kugira ngo hazahurwe imishinga mito mito y’igishoro kitarengeje miliyoni 1, na miliyari 3 zo gukoresha mu kwishingira imishinga mito n’iciriritse (SMEs) ariko  y’igishoro  (working capital projects ) yagizweho ingaruka na COVID 19. Iyo mishinga igomba kuba yahawe inguzanyo n’ibigo by’Imari dufitanye amasezerano y’imikoranire, aho dushobora kwishingira umuntu kugera ku kigereranyo cya 75% nawe akitangira ingwate ya 25%.

Kubera ko amafaranga anyuzwa mu mirenge SACCOs yakoreshejewe vuba akanashira, MINECOFIN ishinzwe gucunga iki kigega yaduhaye uburenganzira bwo kwimura amafaranga angana na miliyari 1,5 akongerwa muri iyi gahunda, aba miliyari 3,5 ; hanyuma muri gahunda y’ubwishingizi hasigaramo Miliyari 1,5.

• Kugeza uyu munsi ku mafaranga anyuzwa muri Saccos, tumaze kwemeza imishinga 4,240 ifite agaciro ka Miliyari 4, kubera ko hari andi mafaranga angana na Miliyari 3 tuzahabwa na USAID binyuze muri MINECOFIN, akaza aziba icyo cyuho.

• Ku mafaranga yagenewe Ubwishingizi ku ngwate, kuri miliyari 1.5, BDF imaze kwishingira imishinga 186 ku ngwate zingana na miliyoni 870, bikaba bingana na 52% y’ayo twahawe.

The Bridge Magazine : Ko BDF dusanzwe tuyizi nk’ikigega cyishingira imishinga, uruhare rwayo mu   kuzahura ubukungu rurahuzwa gute na ya nshingano musanganywe yo kwishingira imishinga ?

Beata Uwurukundo : N’ubundi inshingano za BDF ni ugufasha imishinga mito n’iciriritse kugera ku mari kandi binyuze mu bigo by’Imari dufitanye amasezerano y’imikoranire. Iyi gahunda yo kuzahura ubukungu bwahungabanyijwe na COVID 19 rero nayo iraza yunganira kandi iha imbaraga gahunda twari dusanganywe.

The Bridge Magazine : Mu bagana BDF cyane cyane muri ibi bibe byo kuzahura ubukungu mubona bihagaze gute ugereranyije ubwitabire bw’abagore n’abagabo ?

Beata Uwurukundo : Mu mishinga yose yatugezeho, ubwitabaire bw’abagore buri ku kigereranyo cya 30%, bivuze ko ubwitabire bw’ abagabo ari 70%.

The Bridge Magazine : Umuntu witegura kugana BDF ashaka ubufasha bwo kuzahura ibikorwa bye mwamubwira ko agomba kuza yitwaje iki cyangwa yujuje ibiki ?

Beata Uwurukundo : Nk’uko nabivuze haruguru, abatugana babanza guca mu bigo by’imari. Imishinga mito itarengeje miliyoni imwe y’amafaranga y’ U Rwanda bagana SACCO basanzwe bakorana, bitwaje inyigo y’umushinga, icyangombwa cy’Akagari cyerekekana ko umuntu yakoraga mbere ya COVID 19 kandi umushinga we wadindiye cyangwa wahagaze kubera icyorezo cya COVID 19, kugaragaza ipatanti/ icyangombwa gitangwa na RDB kigaragaza ko iyo business arimo akora ijyanye n’umushinga wateguwe, ndetse ko uwo mushinga wemerewe no gukora muri ibi bihe bya COVID 19, n’ibyangombwa biranga uwaka inguzanyo.

Ku mishinga iciriritse isaba ubwishingizi ku nguzanyo bahawe na Banki, yo ibanza kunyura muri BNR (Banki Nkuru y’ Igihugu), bakabanza bakayisesengura, bakayiha uburenganzira (pre-approval) nabwo buzana n’ibyangombwa bisaba ingwate duhabwa n’ikigo cy’imari kije kubasabira inyongera ku ngwate.

The Bridge Magazine : Mugereranyije mbere ya COVID 19 na nyuma ya COVID 19 mubona bihagaze gute mu mibare y’abagana BDF bayisaba inkunga ?

Beata Uwurukundo : Birumvikana ko mbere ya COVID 19 imibare yabahabwaga ingwate iri hejuru, uyu munsi ubwishingizi ku ngwate muri rusange bwaragabanutse, gusa twizera ko uko icyorezo kigenda kigabanya ubukana, ba rwiyemezamirimo bazatinyuka bagashora imari, bakagana banki kandi natwe tuzabishingira nk’uko biri mu nshingano zacu.

Ku mafaranga anyuzwa mu Mirenge Sacco (Sacco refinancing), n’ubundi iyi gahunda twari tuyisanganywe aho twongerera Sacco zifite ibibazo byo kubura amafaranga yo gutanga mu nguzanyo, nyuma ya COVID 19 kubera gahunda yashyizweho yo gushyigikira imishinga mito yagizweho ingaruka na COVID 19, imibare iri hejuru cyane, kandi nta kabuza kuko Sacco ihabwa iyo nguzanyo ku ijanisha ry’inyungu rya 0% kugira ngo nayo iyitange ku ijanisha ry’inyungu rya 8%.

The Bridge Magazine : Ubutumwa bwa rusange muha ba rwiyemezamirimo muri ibi bihe ubukungu bwashegeshwe na COVID 19 ni ubuhe cyane cyane mu buhuza n’inshingano za BDF.

Beata Uwurukundo : Ubutumwa twaha ba rwiyemezamirimo bafite imishinga yashegeshwe na COVID 19, ni ukwegera ibigo by’imari basanzwe bakorana, ndetse n’abatarakoranaga na byo bagafunguza konti mu bigo by’imari kugira ngo izo nguzanyo zibashe kubageraho, kuko boroherezwa mu kwishyura aho zishyurwa ku ijanisha ry’inyungu rya 8% gusa.