Akenshi ibigo y’imari birimo na za banki bigaragaza ko bigoye guha inguzanyo abakora umwuga w’ubuhinzi kubera ko uru rwego rukunze guhura n’ibibazo bishingiye ku mihindagurikire y’ikirere n’izindi mbogamizi zishingiye ku miterere y’izi nzego.

Sibobugingo Evariste, ni rwiyemezamirimo ufite umushinga ujyanye no kongerera agaciro imyumbati, aho ibishishwa byayo bibyazwa amavuta nyuma agakorwamo amasabune. Yavuze ko kimwe mu bibakoma mu nkokora harimo no gukorana n’ibigo by’imari.

Avuga ko nta banki ishobora kubizera bo baba bagitangira ngo ibahe inguzanyo ahubwo bakakwa ingate, bikabadindiza.

Ati “Nk’ubu urwego ngezeho ni urwo kubaka uruganda ndamutse mbonye amafaranga nahita mbyihutisha nkanazamura ibindi nkanahaza amasomo, ariko nta gishoro.”

Si we gusa kuko na Kabatesi Solange, yagarageje ibyo banki igenderaho itanga inguzanyo bigonga abahinzi benshi birimo “kureba ubwitabire mu gukoresha konti kandi abahinzi akenshi batitabira kuzigama mu ma banki ku rugero ruri hejuru”.

Izi ni zimwe mu mpungenge zari zifitwe n’abashoramari bafite imishinga mito n’iciriritse y’ubuhinzi n’ubworozi cyangwa ifite aho ihuriye nabyo, ubwo bahuraga n’ibigo by’imari birimo n’amabanki anyuranye.

Ni igikorwa cyabaye kuri uyu wa Kane ku wa 2 Gicurasi 2024, cyateguwe n’Ikigo cy’Abanyamerika gishinzwe iterambere mpuzamahanga [USAID], ku bufatanye n’imishinga iterwa inkunga na gahunda ya Leta Zunze Ubumwe za Amerika yashyiriweho guhangana n’inzara n’ibura ry’ibiribwa, Feed the Future.

Iyi gahunda ihuriza hamwe imishinga inyuranye yagiye ishyirwaho mu rwego rwo guteza imbere ubuhinzi n’ubworozi mu gihugu hose.

Aba barwiyemezamirimo n’ibigo by’imari bahujwe gahamijwe kugaragaza amahirwe ari mu mikoranire y’inzego zombi ahanini hagambiriwe korohereza abafite imishinga mito kubona amafaranga mu buryo butabagoye yo kuyagura.

Muri rusange abafite imishinga mito n’iciriritse bahurira ku ngorane zo kudahabwa inguzanyo na banki kuko baba bakiri bato cyangwa badafite ubushobozi bwo kugenzura ayo mafaranga, no kutagerwaho na serivisi za banki bitewe n’amerekezo yabo nk’uko byagiye bigaragazwa.

Umuyobozi ushinzwe Ishoramari mu mushinga wa Hinga Wunguke ushamikiye kuri Feed the Future, Bayingana Michael, yavuze ko hateguwe uyu munsi mu rwego rwo guhuza abafite imishinga mito n’iciriritse ijyanye n’ubuhinzi n’ubworozi kugira ngo bagaragariza izi banki imbogamizi bahura nazo, hanyuma nazo zibagaragarize amahirwe bafite yo gukorana.

Ati “Twabazanye kugira ngo turebe ko hari banki zatinyuka zigakora inguzanyo igendanye n’abantu bato bashoboka.”

Yagaragaje ko ibi bigo by’imari bikwiye gushyiraho inguzanyo zijyanye n’imiterere y’ibyo umuntu akora cyane abakora umwuga w’ubuhinzi budahita butanga umusaruro w’ako kanya ndetse n’ubworozi.

Ati “Ikindi cy’ingenzi twifuzaga ko kigaragara ni inguzanyo z’abagore akenshi badakunda guhabwa amafaranga n’amabanki kandi ari bo biganje muri ya mirimo mito, nabo bagomba kwitabwaho.”

Mu biganiro byabaye amabanki yamuritse zimwe muri serivisi zihariye zagenewe imishinga imwe n’imwe ijyanye n’inzego z’ubuhinzi n’ubworozi anerekana gahunda yo mu myaka iri imbere yo kuzishyigikira mu iterambere

Jessica Spence, ushinzwe iterambere ry'ubukungu muri USAID mu Rwanda, yashimiye iyi gahunda yo guhuza inzego zinyuranye, kuko izatuma hazamuka umusaruro uturuka mu buhinzi n'ubworozi no guteza imbere abikorera

Imbande zombi zishimiye ibyavuye mu biganiro bemeranya ko bizatanga umusaruro ugaragara

Amabanki yahawe umwanya wo kugirana ibiganiro birambuye na barwiyemezamirimo bakizamuka