Aya masezerano yashyiriweho umukono i Kigali tariki ya 28 Ukwakira 2026, aha abanyamuryango ba IER amahirwe yo kubona ubwishingizi ku biciro byihariye.

Ubwo bwishingizi bukubiyemo uburyozwe bw’umwuga, ibyago bijyanye n’imirimo y’ubwubatsi, abakozi, ibikoresho n’imitungo. Anateganya kandi amahugurwa ahuriweho, ibiganiro bya tekiniki, inama n’ubukangurambaga bugamije gukangurira abaturage kumenya ibyiza by’ubwishingizi.

Konde Bugingo, Umuyobozi Mukuru wa MUA Insurance Rwanda, yavuze ko ubu bufatanye buzafasha gukemura ibibazo byihariye by’ingaruka abahanga mu by’ubwubatsi bahura na byo, mu gihe u Rwanda rukomeje gushora imari mu bikorwaremezo.Yagize ati: “Abahanga mu by’ubwubatsi ni abanyamwuga bagira uruhare mu iterambere ry’ibanze ry’abaturage, kuko ari bo bashyira hamwe ibikorwaremezo dukeneye muri iki gihe.”

Bugingo yongeyeho ati: “Turi igihugu iterambere ryacyo rishingiye ku bikorwaremezo, bityo abahanga mu by’ubwubatsi n’abandi banyamwuga b’ingenzi muri urwo rwego ni ingenzi cyane.”

Umuyobozi wa MUA  yavuze ko ubu bufatanye buzafasha gutegura ibisubizo by’ubwishingizi bijyanye n’ibikenewe n’abahanga mu by’ubwubatsi, ndetse bakanahabwa ibiciro byihariye bitewe n’uko ubwishingizi bwabo buzaba bukomatanyijwe mu itsinda rinini ry’abanyamuryango.

Yabisobanuye agira ati “Iyo ufite itsinda rinini ry’abanyamuryango, ushobora kubaha ibiciro byiza by’ubwishingizi kurusha iyo ufite abantu bake, kuko ubwishingizi bushingiye ku guhuriza hamwe ibyago bishobora kugera ku bantu.”

Mu myaka ine ishize, MUA yagiye igirana ubufatanye nk’ubu n’amashyirahamwe y’abanyamwuga atandukanye, harimo n’abanyamategeko.

Eng. Philbert Mbanza, Perezida akaba n’Umuyobozi w’Inama y'Ubuyobozi ya IER, yavuze ko icyo iki kigo kigamije ari uguhuza ibyifuzo by’abanyamuryango bacyo mu bijyanye n’ubwishingizi, kugira ngo babone amasezerano meza n’inyungu zirushijeho kuba nyinshi.

Yagize ati “Twatekereje ko kugira ikigo kimwe cy’ubwishingizi twakorana na cyo, tugafatanya gushyiraho uburyo buzagirira akamaro abanyamuryango bacu, byarushaho kukibyarira inyungu ubwacyo ndetse natwe bikatugirira n’akamaro.”

Yavuze ko mu bigo by’ubwishingizi begereye, MUA yagaragaje ubushake budasanzwe bwo gukorana na bo, itanga ubwishingizi butandukanye kandi inagaragaza ubushobozi buhagije mu gutanga serivisi nziza.

Nk’uko Mbanza yabisobanuye, IER ifite abanyamuryango barenga 5000 kandi umubare wabo uzamuka ku kigero cya 25% buri mwaka. Muri abo banyamuryango, harimo abahanga mu by’ubwubatsi bakora ku mishinga itandukanye mu Rwanda, barimo n’abanyamahanga bafite impushya zo gukorera uwo mwuga mu gihugu.

Ubwishingizi ku ngaruka z’umwuga n’izishingiye ku bwubatsi

Aya masezerano akubiyemo ubwishingizi bw’uburyozwe bw’umwuga, ubwishingizi bw’ibyago byose bishobora kugera kuri ba rwiyemezamirimo n’ibikoresho byabo nk’imashini zapfuye cyangwa zangiritse, uburyozwe bw’abakoresha cyangwa abahagarariye abakozi ahakorerwa imirimo y’ubwubatsi, indishyi z’abakozi bahuye n’impanuka ndetse n’ubwishingizi bw’impanuka ku giti cy’umuntu bukorerwa itsinda.

Hari n’ubundi bwishingizi bushobora gutangwa, burimo ubw’imodoka, ubw’imitungo ku byago byose, ubw’inkongi y’umuriro, ubw’igihombo gituruka ku guhagarara kw’ibikorwa by’ubucuruzi, ubw’ibicuruzwa bitwarwa mu nzira ndetse n’ubw’imizigo itwarwa mu mazi. Icyakora, ubwishingizi bwose buzajya butangwa hakurikijwe ibisabwa n’ikigo cy’ubwishingizi mu gusuzuma ibyago, hamwe n’amasezerano impande zombi zizaba zumvikanyeho.

Mbanza yavuze ko ubwishingizi bw’uburyozwe bw’umwuga ari ingenzi cyane, kuko abahanga mu by’ubwubatsi bashobora kuregwa amakosa, ibyo batakoze kandi bari bakwiye gukora, cyangwa uburangare bwateje abandi igihombo cy’amafaranga.

Yavuze ko amaherezo ubwishingizi nk’ubu bukwiye kuba kimwe mu bisabwa kugira ngo umuntu yemererwe gukora umwuga w’ubwubatsi mu Rwanda, n’ubwo muri rusange kugeza ubu bitaraba itegeko kuri bose.Yagize ati “Ntidushobora kwemeza ko abanyamuryango bacu batazigera bakora ikosa, cyangwa ngo hagire ikintu bibeshyaho cyangwa birengagiza mu byo bakora.”

Bugingo yavuze ko ibyago abahanga mu by’ubwubatsi bahura na byo bitandukana bitewe n’inshingano bafite, bityo hakaba hakenewe ubwishingizi bujyanye n’akazi buri wese akora.Yagize ati “Abari  aho ubwubatsi bukorerwa, abakora ibishushanyombonera, n’abarangiza imirimo y’ubwubatsi, bose bahura n’ibyago bitandukanye.”

Ibyago by’inkongi z’umuriro n’ubwitabire buke mu bwishingizi

Aya masezerano aje mu gihe hakomeje kugaragazwa impungenge ku nkongi z’umuriro, zirimo n’inkongi iherutse kwibasira inyubako ya GOICO Plaza mu Karere ka Musanze.

Bugingo yavuze ko mu gihe cy’amezi atandatu yari yabanje, ibigo by’ubwishingizi byabonye ubwiyongere bw’inkongi z’umuriro. Yagaragaje ko ibyo bishimangira akamaro ko kongera ingamba zo gukumira inkongi no gukangurira abantu kumenya ibyiza by’ubwishingizi.

Yavuze ko igipimo cy’abafite ubwishingizi mu Rwanda kiri kuri 1,8%, mu gihe igipimo cy’abagerwaho na serivisi z’amabanki kiri kuri 85%. Ibi bigaragaza imbogamizi zikiri mu kwagura gahunda z’ubwishingizi mu gihugu.

Bugingo yavuze ko ubukangurambaga bwo kumenyekanisha ubwishingizi bukwiye kujyana n’ibisabwa bifasha gushishikariza ibigo by’ubucuruzi na ba nyir’inyubako kugira ubwishingizi bujyanye n’ibyago bashobora guhura na byo.Yagize ati “Inzu y’ubucuruzi nini ntikwiye gufungura imiryango mu gihe ubuyobozi bw’umujyi butaremeza ko nyirayo yayishyiriyeho ubwishingizi buhagije, kandi ko n’abayikoreramo bafite ubwishingizi bubarinda.”

Yasabye ko hashyirwa imbaraga mu kwita ku nshingano za ba nyir’inyubako, ubwishingizi bw’ibintu by’abakodesha, uburyozwe ku byago bigera ku bandi ndetse n’umutekano wo gukumira inkongi z’umuriro.

Yavuze ko abahanga mu by’ubwubatsi bashobora gufasha abakiriya babo gusobanukirwa ibisabwa mu mutekano n’inshingano zijyanye n’ubwishingizi mbere y’uko inyubako zitangira gukoreshwa.

Impande zombi ziteganya kandi gukoresha amakuru ajyanye n’ubwishingizi n’ubumenyi bw’abahanga mu by’ubwubatsi kugira ngo hamenyekane ibyago bikunze kubaho, hanatangwa inama zifatika zo kubikumira mu mirimo y’ubwubatsi no mu ikoreshwa ry’inyubako.

Bugingo yaburiye ba nyir’imitungo ko kuyigaragaza nk’ifite agaciro kari munsi y’ako ifite kugira ngo bagabanye amafaranga y’ubwishingizi bishobora gutuma indishyi bazahabwa zitazaba zihagije zo kuyisana cyangwa kuyisubiranya igihe yangiritse.

Yongeyeho ko gutanga amakuru atari yo ku mutungo ubwishingizi bukorerwa bishobora no kugira ingaruka ku ndishyi, bitewe n’amasezerano y’ubwishingizi n’imiterere y’ikibazo cyabaye.

Amahugurwa no gusuzuma umusaruro w’ubufatanye

Uretse ubwishingizi, MUA izafasha IER mu bikorwa  byo gukomeza guteza imbere ubumenyi n’ubushobozi bw’abanyamwuga, amahugurwa ya tekiniki, inama rusange z’abanyamuryango, gusohora inyandiko n’ubushakashatsi, bitewe n’ingengo y’imari izaba yemejwe.

Impande zombi ziteganya kandi gutegura amahugurwa n’ibiganiro byo gukangurira abantu gusobanukirwa  ubwishingizi mu buryo bwisumbuyeho, ibidashyirwa mu bwishingizi ndetse n’uburyo bwo gucunga ibyago.

Bugingo yavuze ko ubu bufatanye buzafasha mu bikorwa bigamije gushishikariza abakobwa n’abagore biga iby’ubwubatsi gukomeza uwo mwuga no kugira uruhare mu miyoboro y’imikoranire y’abanyamwuga.

Mbanza yavuze ko ubu bufatanye buzatuma kuba umunyamuryango wa IER birushaho kugira agaciro, bitewe n’inyungu zifatika abanyamuryango bazajya babona, zirimo ubwishingizi ku biciro byihariye n’amahirwe yo gukomeza kwihugura mu mwuga.

Mu gihe cy’imyaka itatu aya masezerano azamara, MUA izajya isuzuma aho ubufatanye bugeze ishingiye ku mubare w’abanyamuryango bagenda bafata ubwishingizi, urwego rw’ubumenyi ku micungire y’ibyago, uko abanyamuryango banyuzwe na serivisi bahabwa ndetse n’uko ubwishingizi buhabwa abahanga mu by’ubwubatsi n’ibigo byabo buhagije.

Bugingo yavuze ko kimwe mu bipimo bishobora gukoreshwa mu gusuzuma umusaruro w’ubu bufatanye ari ukongera umubare w’abanyamuryango bafite ubwishingizi, ukava kuri 500 ukagera ku 1000. Icyakora, yavuze ko ubushobozi bwo kwishyura amafaranga y’ubwishingizi bushobora kugira ingaruka ku mubare w’abazabwitabira.

Yasobanuye ko intego rusange ari ugushyira ubwishingizi no gucunga ibyago mu bikorwa bisanzwe by’umwuga w’ubwubatsi, aho gutegereza ko habaho impanuka, inkongi y’umuriro cyangwa ikosa rihombya amafaranga menshi kugira ngo abantu babitekerezeho.

Amasezerano y'ubufatanye MUA yagiranye na IER azamara imyaka itatu