Aya mahugurwa yabereye mu Karere ka Huye ku wa 23 Ukwakira 2026, yitabiriwe na ba rwiyemezamirimo bakora mu nzego zitandukanye, zirimo ubuhinzi bw’avoka, ibinyomoro n’inyanya, ndetse n’ubworozi.

Abayitabiriye basobanuriwe ubwoko bw’inguzanyo zitangwa na I&M Bank, zirimo iyitwa Kataza, igenewe abakobwa n’abagore bakiri bato, bashobora guhabwa inguzanyo igera kuri miliyoni 25 Frw nta ngwate, ku nyungu ya 9%.

Banagaragarijwe inguzanyo ya Kwihaza, igenewe abakuze bakora mu bikorwa by’ubuhinzi bw’amatunda, inyanya, ibitunguru na avoka, ndetse n’ubworozi bw’amafi. Abagenerwabikorwa bashobora guhabwa inguzanyo igera kuri miliyoni 150 Frw, ku nyungu ya 8%.

Umuyobozi ushinzwe Ubufatanye muri I&M Bank Rwanda Plc, Gértrude Majyambere, yavuze ko aya mahugurwa yari agamije kumenyekanisha amahirwe y’imari banki itanga, kugira ngo afashe abikorera kunoza imishinga yabo no kuyikora mu buryo bwa kinyamwuga.

Yasobanuye ko gushyigikira imishinga y’abagore n’urubyiruko bibafasha kwiteza imbere, guhanga imirimo no kugira uruhare mu iterambere ry’ubukungu bw’igihugu.

Ati “Twaberetse ko imishinga yabo nibayubaka neza bagatanga akazi kuri benshi, bizaba bizamuye igihugu, kandi rwose bizazamura n’umugore muri rusange mu rwego rwo kubaka rwiyemezamirimo kuko twanagabanyije amafaranga atangwa akagera kuri 25 Frw. Turi kubahugura, ngo tunabazamurire imyumvire, bave mu bucuruzi butari ubw’umwuga, kuko butuma badakorana n’ibigo by’imari.’’

Mu rwego rwo gufasha ba rwiyemezamirimo kunoza imikorere yabo, Umuryango Le Village de la Femme wababwiye bimwe mu byo bakwiye kwitaho kugira ngo barusheho kubona inguzanyo mu buryo bworoshye.

Birimo gutandukanya konti zabo bwite n’izikoreshwa mu bucuruzi, kumenya amafaranga bashoye n’inyungu bakuye mu bikorwa byabo, ndetse no kugira imicungire y’imari inoze.

Mukahigiro Kevine, uyobora Higa Barista Cafe Ltd, ikigo gihugura urubyiruko mu bijyanye no gutegura ikawa mu buryo bwa kinyamwuga, yavuze ko aya mahugurwa yamufashije kurushaho gusobanukirwa uburyo yakwagura ibikorwa bye yifashishije serivisi z’imari.

Yagaragaje ko ateganya gusaba inguzanyo ya Kataza kugira ngo abashe kongera ubushobozi bw’ikigo cye no kwakira urubyiruko rwinshi rwifuza kwiga uwo mwuga.

Ati ‘‘Muri uko guhugura abantu gukora ikawa yo kunywa n’indi mitobe itandukanye, dukunze no kubigisha indimi z’amahanga ku batazizi, kugira ngo bazabashe kujya bamenya kwita ku babagana bose.’’

Mukahigiro yavuze ko mu myaka ibiri amaze akora, yahuguye urubyiruko rurenga 300, ariko ubushobozi buke bukamubera imbogamizi yo kwakira abandi benshi bifuza kwiga uwo mwuga.

Yagaragaje ko inguzanyo ya Kataza ishobora kumufasha kugura ibikoresho bigezweho no kwagura ibikorwa bye, bityo akabasha kwakira abanyeshuri benshi.

Ati ‘‘Mba nifuza ibikoresho bigezweho byo kwigishirizaho ariko simbibone, nibwira ko ndamutse mbonye iyo nguzanyo, nabasha kuvugurura ibyo nkora nkanakira umubare munini w’abanyeshuri.’’

Yongeyeho ko uretse amahirwe yo kubona inguzanyo, gahunda ya Kataza yamufashije kunguka ubumenyi mu micungire y’imari no kumenya uburyo bunoze bwo guteza imbere ubucuruzi bwe.

Yashimiye kandi Leta y’u Rwanda ku bikorwa bitandukanye ikomeje gushyiraho bigamije gufasha urubyiruko kugera ku mahirwe yarufasha kwiteza imbere.

Bizumuremyi Joseph, ukora ubuhinzi bwa avoka, na we yashimye gahunda ya Kwihaza, avuga ko ishobora gufasha abahinzi kubona igishoro cyo kwagura ibikorwa byabo no kongera umusaruro.

Yagaragaje ko kubona inguzanyo bikunze kugora bamwe mu bahinzi, bityo akaba abona ko iyi gahunda ishobora kubafasha gukemura zimwe mu mbogamizi bahura na zo mu gushaka igishoro.

Ati ‘‘Iyi nguzanyo batumurikiye yaba nziza mu rugendo turimo rwo kunoza ubuhinzi dukora. Ubusanzwe hari amabanki yajyaga atubeshya inguzanyo, ariko ukabona bari kukuriganya mu kuyibona. Nabonye ubwo iriya nguzanyo yo yagenewe ubuhinizi, nta kabuza yaba umuyoboro mwiza wo kwizaha mu musaruro w’ibyo duhinga, noneho dusagurire isoko.’’

Gahunda y’inguzanyo ya Kataza yatangijwe na I&M Bank muri Mata 2024, ikaba yari igamije gufasha ba rwiyemezamirimo kubona igishoro cyo guteza imbere ibikorwa byabo.

Mu ntangiriro, iyi gahunda yatangaga inguzanyo yashoboraga kugera kuri miliyoni 130 Frw ku mugenerwabikorwa, ariko iza kuvugururwa kugira ngo amahirwe yo kubona igishoro agere ku bantu benshi.

Biteganyijwe ko nibura ba rwiyemezamirimo 500 bazagerwaho n’iyi gahunda.