Waba uri rwiyemezamirimo ukeneye igishoro cyo kwagura ibikorwa byawe? Ntibikugore, Banki ya Kigali (BK) irimo gutanga ubwoko bubiri bw’inguzanyo zagufasha kugera ku mafaranga yo kugura ibikoresho mu buryo bwihuse, utaragira ikibazo cy’uko ibikorwa byawe bihagarara.
Izo nguzanyo za BK zizanye impinduka mu rwego rw’amabanki, kuko zifasha bizinesi z’abantu kuzamuka mu buryo bwihuse bityo bagatanga serivisi inoze ku babagana.
Nk’uko bitangazwa na David Bizura, ushinzwe ubucuruzi muri Banki ya Kigali, inguzanyo y’ibikoresho ni umwihariko wa BK, ikaba ishobora kuba itazwi n’abantu benshi mu gihe ishobora gufasha abakora bizinesi kuzamura ibyo bakora mu buryo bwihuse.
Agira ati “Niba ufite bizinesi, wenda uri umunyamuziki cyangwa ufite hoteli ukaba ukeneye ibikoresho, iyi nguzanyo yagufasha kwagura ibikorwa byawe. Icyo usabwa ni ukwereka Banki”.
Ati “Urugero ushaka kuvugurura studio yawe cyangwa kuyishyiramo ibikoresho bishya bigezweho, cyangwa ushaka gushyira ibikoresho bishya muri hoteli yawe, icyo Banki ikora ni ugusuzuma uko umushinga uteye n’uburyo uzishyura hanyuma ikaguha inguzanyo”.
Bimwe mu bikoresho byatangwaho inguzanyo ni nk’ibyuma by’umuziki, ibikoresho byo mu biro nka za mudasobwa, ibyuma bifotora impapuro, intebe n’ameza. Mu mahoteli na ho ni ibikoresho bitandukanye bikenerwa, ibyo mu gikoni ndetse n’ibindi byatuma bizinesi izamuka.
Bizura avuga kandi ko nta nguzanyo ntarengwa iteganyijwe, ko byose bigenwa n’ingano y’ibikorwa n’icyo byinjiza.
Ati “Icyo usabwa ni ibaruwa isaba, urutonde rw’ibikoresho ukeneye n’agaciro kabyo, ibisobanuro birambuye bigaragaza uko uzunguka n’ibihamya uko wakoresheje amafaranga yawe mu gihe cy’amezi atandatu, mu gihe utari umukiriya uhoraho wacu”.
Ati “Ku bakiriya bashya, tubanza kureba uko konti za bizinesi zabo zakoreshejwe mu mezi atandatu ashize, bityo tukabona gufata icyemezo. Iyo dusanze byaragenze neza, bidufasha gufata icyemezo byihuse cyo gutanga inguzanyo yasabwe”.
Iyo ari kompanyi, ubusabe buherekezwa n’umwanzuro wasinyweho n’inama y’ubutegetsi cyangwa ibaruwa yemeza ubwo busabe, hakiyongeraho urutonde rw’ibikoresho bikenewe.
Inguzanyo y’ibikoresho itangwa ku nyungu ya 17.5% ku mwaka, kandi nta nshuro ntarengwa kompanyi cyangwa ba rwiyemezamirimo basaba inguzanyo mu gihe bigaragara ko bazikwiye.
Banki ya Kigali kandi irakataje mu dushya mu rwego rw’inguzanyo, by’umwihariko zireba bizinesi na ba rwiyemezamirimo, nk’abafite amasoko batsindiye aho bagomba gutanga ibikoresho (LPOs).
BK ifasha mu gikorwa cyamaze guhabwa ibaruwa yemeza ko batsindiye isoko ryo gutanga ibikoresho cyangwa serivisi, nyirabyo agahabwa inguzanyo imufasha kubona igishoro gihagije cyo kurikora.
Iyo serivisi ireba cyane cyane ba rwiyemezamirimo bahabwa amasezerano yo gutanga ibikoresho bakazishyurwa nyuma. Mu gihe cyose bafite ayo masezerano, bashobora guhabwa inguzanyo isaga 70% by’agaciro k’isoko batsindiye.
Nk’uko bivugwa n’umuyobozi ushinzwe ibikorwa muri Banki ya Kigali, Emmanuel Bahizi, icyo Banki ikora ngo ni ukugenzura ko umukiriya arangwa n’imyitwarire myiza, niba nta bibazo afite bijyanye n’imisoro, hanyuma agahabwa inguzanyo byihuse.
Ati “Iyi ni serivisi ifasha abantu cyangwa bizinesi z’amasoko yo gutanga ibintu runaka, ariko bikeneye amafaranga runaka ngo isoko rikorwe. Iyo tumaze gusuzuma ibisabwa byose, BK nka Banki ihiga izindi mu Rwanda, ifite ubushobozi bwo gutanga miliyari 40 z’Amafaranga y’u Rwanda cyangwa arenga”.
Ati “Nubwo isoko ryaba risaba arenga ayo, nka banki iyoboye izindi, dukorana n’andi mabanki ku buryo umushinga ubona amafaranga”.
Usaba ahabwa igihe ntarengwa cy’iminsi 90 bitewe n’uko amasezerano y’isoko rye ateye. Mu byangombwa asabwa hagomba kubamo kopi y’amasezerano yagiranye na Leta, ikigo gishamikiye kuri Leta cyangwa kompanyi izwi ndetse n’ibyemeza ibizagurwa muri iryo soko.
Inyungu kuri ubwo bwoko bw’inguzanyo ziri hagati ya 16% na 18% bitewe n’ubwoko bw’amasezerano.
Bahizi ati “Iyi ni serivisi twashyiriyeho Abanyarwanda na Banki nyarwanda zirwana no guhindura ubuzima bw’Abanyarwanda, bityo tukagira uruhare mu iterambere ry’igihugu”.
Ubwo bwoko bubiri bw’inguzanyo BK yashyizeho, ni ubwo gutuma abakiriya bayo babona inguzanyo z’igihe gito cyangwa kiringaniye, kugira ngo bizinesi zabo zikomeze mu gihe bategereje kwishyurwa icyiciro gikurikiyeho.
Waba ukorera ku masezerano, waba umucuruzi munini cyangwa ufite iduka, Banki ya Kigali irahari ngo igufashe mu byo wifuza.
