Imaramatsiko ku mpapuro mpeshamwenda zimaze imyaka 16 zifashishwa na Leta y'u Rwanda

Kuri ubu, na Banki y’Amajyambere y’u Rwanda, BRD yashyize ku isoko impapuro mpeshamwenda zifite agaciro k’amafaranga y’u Rwanda asaga miliyari 39, aho uguze izi mpapuro ahabwa inyungu ya 12.90% ku mwaka.

Impapuro mpeshamwenda ni impapuro zishyirwa ku isoko na Leta cyangwa sosiyete z’abikorera bashaka kugurizwa amafaranga yo gushora mu bikorwa bitandukanye bigamije iterambere, abashoramari babyifuza bakagura izo mpapuro, bityo bakaba bagurije Leta cyangwa izo sosiyete zindi, bagendeye ahanini ku nyungu baba bizeye gukura muri izo mpapuro mpeshamwenda.

Impapuro mpeshamwenda ni uburyo Leta ikoresha mu gushaka amafaranga kugira ngo yifashishwe mu bikorwa by’iterambere, aho bitewe n’amafaranga aba akenewe, leta igena agaciro k’impapuro mpeshamwenda zikorwa, ubundi zigashyirwa ku isoko.

Ku rundi ruhande, ni amahirwe ku bifuza kwizigamira by’igihe kirekire ariko bakaba bayashoye mu bikorwa bibyara inyungu z’igihe kirekire kuko iyo umuntu aguze impapuro mpeshwamwenda aba agurije Leta amafaranga.

Ikindi ni uko abafite impapuro mpeshamwenda bashobora kuzifashisha nk’ingwate muri banki, bakaba bahabwa inguzanyo ibateza imbere.

Uguze izo mpapuro atanga amafaranga runaka bitewe n’ubushobozi bwe ndetse n’umubare uba wagenwe, ubundi ya mafaranga agakoreshwa na nyir’ugucuruza impapuro mpeshamwenda, hanyuma wa wundi akajya abona inyungu bemeranyijweho uko umwaka utashye, kugeza imyaka y’agaciro k’izo mpapuro ishize agasubizwa igishoro cye n’inyungu aba yaragiye abona buri mwaka.

Abahanga mu by’ubukungu n’ishoramari bahamya ko kugira ngo igihugu kigere ku iterambere rirambye, hagomba kuba hari uburyo bwinshi yaba igihugu ubwacyo ndetse n’abikorera babasha kubona amafaranga yo gushora mu bikorwa by’iterambere, butandukanye n’ubusanzwe bwo gufata inguzanyo muri banki. Bumwe muri ubwo ni ukuyoboka Isoko ry’Imari n’Imigabane.

Umwe muri izi mpuguke, Dr Bihira Canisius yatangarije InyaRwanda ko ibijyanye n'impapuro mpeshamwenda byatangijwe mu Rwanda kugira ngo Leta ijye ifata amafaranga y'abaturage n'ay'amasosiyete noneho ibungukire inyungu ifatika.

Yagize ati: "Icyiza cy'impapuro mpeshamwenda ni uko ya mafaranga yawe aho kugira ngo agende yicare muri banki amaremo umwaka nta nyungu banki iguha, zo uzibonamo inyungu. Nk'ubu zishobora kugeza kuri 12%, urumva ko ari menshi cyane. Mu gihe mu mabanki asanzwe iyo mwumvikanye ku nyungu bazaguha ntabwo barenga 6%."

Yakomeje asobanuro ko izi mpapuro zitabazwa iyo hari abantu bakeneye amafaranga ariko cyane cyane Leta, ikeneye inguzanyo mu bigo runaka cyangwa mu baturage. 

Akomoza ku nyungu impapuro mpeshamwenda zigira ku bukungu bw'uwazitabaje yagize ati: "Inyungu zifite ku buryo bwihariye, ni uko ari amafaranga aboneka vuba kuko niba bavuze ngo uyu munsi turatanga impapuro mpeshamwenda, wowe urajyana miliyoni zawe uzitange. Amafaranga aboneka mu gihe gitoya cyane nizo nyungu ku bukungu bw'igihugu."

Ubusanzwe mu Rwanda, Leta ni yo yatangiye igurisha impapuro mpeshamwenda, ariko kuri ubu hari ibindi bigo by’abikorera, byamaze na byo kuyoboka iri soko, bikaba byaratangiye kugurisha impapuro mpeshamwenda binyuze ku isoko ry’Imari n’Imigabane ry’u Rwanda.

Leta y’u Rwanda yatangiye gahunda yo kwifashisha ubu buryo bw'impapuro mpeshamwenda mu mwaka wa 2008.