Nyuma y’aho Banki Nkuru y’u Rwanda (BNR) igabanyirije urugero rw’inyungu yaka amabanki y’ubucuruzi kugira ngo abakiriya bayo bazahabwe inguzanyo yo kubyutsa ibikorwa, Banki ya Kigali (BK) iri mu bagiye kwigira hamwe n’abikorera uburyo bakubahiriza ubusabe bwa BNR.
BNR ivuga ko mu gihembwe cya mbere cy’uyu mwaka wa 2020 ubukungu bw’Igihugu bwatangiye guhura n’ingaruka za Covid-19, bituma abasaba inguzanyo mu mabanki bagabanuka ku rugero rwa 10.6%, ugereranyije n’igihembwe cya mbere cy’umwaka ushize wa 2019.
Guverineri wa BNR John Rwangombwa, avuga ko icyo kibazo cyatangiye kwigaragaza mu kwezi kwa gatatu k’uyu mwaka, ubwo ingendo zerekeza mu Bushinwa (ahatumizwaga ibicuruzwa birenga 20%) zari zimaze guhagarara.
Nyuma yaho Leta yaje no gufata icyemezo cyo guhagarika ibikorwa bitandukanye birimo n’ingendo zose, zaba izerekeza hanze n’izo mu gihugu imbere kugira ngo abantu bagume mu rugo, abasaba inguzanyo ngo bakomeje kugabanuka cyane.
BNR ivuga ko mu rwego rwo gufasha abantu kongera kubyutsa ibikorwa, yagabanyije inyungu yaka amabanki aza kuyisaba inguzanyo yo kuguriza abakiriya bayo, kuva kuri 5% by’amafaranga yakwa kugera kuri 4.5%.
John Rwangombwa agira ati “Ibi byemezo tuba twarafashe bigamije gukangurira za banki kongera inguzanyo ziha abikorera, kugira ngo bashobore guteza imbere imirimo yabo”.
BNR ikomeza isobanura ko hari andi mafaranga arenga miliyari 23.4 itigeze isaba amabanki y’ubucuruzi muri iki gihe cyo kwirinda Covid-19, yiyongera kuri miliyari 50 amabanki yemerewe kuza kuyisaba, kugira ngo ahabwe abikorera bakeneye kubyutsa ibikorwa byari byarahagaze cyangwa abashinga ishoramari rishya.
Aya mafaranga kandi agomba gufasha amabanki korohereza abari barasabye inguzanyo kwishyura, aho inguzanyo zirenga ibihumbi umunani zasabye guhindura amasezerano kugira ngo zidacibwa ibihano by’ubukererwe.
Ubusanzwe amabanki manini y’ubucuruzi ategeka abayasaba inguzayo kuzayishyura barengejeho inyungu ibarirwa hagati ya 16%-21%, hashingiwe ku byago byo guhomba ayo mafaranga ashobora guhura na byo.
Mu kiganiro yagiranye na Kigali Today, Umuyobozi muri Banki ya Kigali (BK) ushinzwe gutangaza amakuru yayo, Thierry Nshuti, avuga ko hakiri kare kumenya urugero rw’inyungu bazagabanyiriza abakiriya nyuma y’uko BNR na yo igabanyirije amabanki.
Yagize ati “Uyu munsi nta wahita akubwira ngo imibare (y’inyungu izacibwa abakiriya) ni iyi, abantu bose wahamagara bakubwira ngo ‘tuzicara turebe”.
Arongera ati “Tuzareba ibikenewe n’ibyifuzo by’abakora ubucuruzi, cyane ko guhera ku wa mbere kuguma mu rugo bizoroshywa, abantu bazajya mu biro, abacuruzi bazagana amabanki bayabwire ibibazo bafite n’ubucuruzi bwakabaye bukorwa ubu, abantu bazabisuzume.
Ubusanzwe muri Banki ya Kigali iyo ubucuruzi bufite ibyago bike byo guhomba cyangwa iyo tumaze gukorana n’umuntu igihe kirekire, habaho kuganira ku rugero rw’inyungu (ya banki uzakwa)”.
Impuguke mu bijyanye n’ubukungu, Teddy Kaberuka, avuga ko iyo BNR yagabanyirije amabanki inyungu yakwa ku nguzanyo, urugero rwagabanyijwe ngo ni rwo banki y’ubucuruzi na yo yagakwiye kugabanyiriza umuntu uje kuyisaba inguzanyo.
Ati “Reka mfatire urugero ku nyungu ya 16%, banki y’ubucuruzi na yo yagakwiye gukuraho urugero ruri hagati ya 0.5%-1%, kandi koko hari icyo bivuze kuko zero n’ibice bingahe ntabwo ari amafaranga make.
Ngaho nawe fata urugero rw’umuntu wafashe inguzanyo y’amafaranga miliyari 50, ngaho yakube na 0.5% urebe, ni amafaranga menshi cyane azaba agabanyirijwe”.
