John Mwebembezi, umuyobozi ushinzwe inguzanyo mu kigo cy’imari gifasha gutanga inguzanyo muri Uganda yavuze ko amasomo bahawe muri iyi nama ari ingirakamaro mu kazi kabo ka buri munsi.

Yavuze ko mu masomo bahawe harimo ko uwatse inguzanyo agatinda kuyishyura adakwiye gutozezwa, ko ahubwo hakwiye kubaho ibiganiro hagati y’utanga inguzanyo n’uyihabwa hakigwa ku buryo yakwishyurwa mu buryo bunoze.

Ati “Twize ko udakwiye guca abantu banze kwishyura, cyangwa ngo ukomeze kubatoteza…, ahubwo ukwiye kubafata neza, mukaganira kugira ngo bashobore kugaruza ya mafaranga.”

Abajijwe ku mpamvu zitera abantu kutishyura amafaranga baba baragurijwe n’ibigo by’imari, yavuze ko hari impamvu nyinshi zirimo nk’ibibazo bishobora kuva ku muntu watanze inguzanyo, uwayihawe cyangwa izindi mpamvu zishobora guturaka hanze yabo.
Iyi mpamvu ayihurizaho na bagenzi be barimo Edward Mtulutsa, umukozi muri Malawi mu kigega gishinzwe iterambere ry’ibyoherezwa mu mahanga.

Yongeyeho ko usanga hari n’ikibazo cy’abantu bahabwa inguzanyo n’ama Banki ariko ugasanga batita ku kuzishyura.

Icyakora ngo hari n’ikibazo cy’imishinga iba itarizwe neza mbere y’uko ba nyirayo bahabwa inkunga.

Munyakazi Christian, ushinzwe “Risk Management” muri BRD yavuze ko mu ngamba bafatiye inguzanyo zitishyurwa harimo gusubiramo uburyo bakurikirana abakiliya babo n’uburyo imishinga yigwa.

Ati “Twabonye ko kenshi imishinga ipfa mu iterura… Ikaba yizwe nabi cyangwa kubera ko hari ibintu tuba twashatseho amakuru ahagije mbere yo kwemera umushinga.”

Kenya ni kimwe mu bihugu byitabiriye aya mahugurwa ndetse gifatwa nk’intangarugero muri Afurika mu bihugu bifite ibigo by’imari byateye imbere.

Munyakazi abajijwe kubyo bakwigira kuri Kenya yavuze ko hari ibyo bahuriyeho nk’uburyo imishinga yigwamo. Gusa ngo hari ibyo barusha u Rwanda nko kugira amategeko amaze igihe bituma akora neza, ariko ngo hari n’ibyo u Rwanda rubarusha.

Ati “Hari ibyo bataturusha…nko kugurisha ingwate bo iwabo bitwara iminsi 90 mu gihe twe bitwara iminsi 30, urumva ko ari itandukaniro rinini, ariko bo baturusha uburyo babishyira mu bikorwa.”

Umuyobozi mukuru wa Banki y’u Rwanda itsura amajyambere Alex Kanyankole yasabye aba bayobozi kuzashyira mu bikorwa ibyo bize bazirikana uruhare rw’ibigo by’imari mu iterambere ry’umugabane wa Afurika.

Ati “Ikintu mwaganiriyeho kijyanye n’uburyo bwo kugaruza inguzanyo zidakora neza ni ingenzi. Muzirikane ko ari ikintu gikomeye mu mikorere ya Banki kandi munamenye ko ugiye kuguriza ikigo cy’imari runaka abanza kureba uko kigaruza inguzanyo giha abaturage ndetse n’agace k’inguzanyo zitagarujwe.”

Aya mahugurwa yari yatumiwemo ibihugu 12 birimo n’u Rwanda rwayakiriye, ariko yitabiriwe n’abavuye mu bihugu 9, kuko abo mu bihugu bya Nigeria na Sierra Leone bo ntibabonye ibyangombwa bituma bitabira iyi nama.

Ubushakashatsi bwakozwe n’ibigo by’imari iciriritse mu Rwanda mu mwaka wa 2014 bwerekanye ko byambuwe amafaranga y’u Rwanda agera kuri miliyari 10.

Tukamwibonera Leonard
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Twitter: @Tukamwibonerale