Itegeko rishya rigenga ibimina mu Rwanda ryakiriwe gute?

Minisiteri y’Imari n’Igenamigambi (Minecofin) iherutse gutangaza ko ibimina bigomba gutangira kujya bikora byanditswe ku rwego rw’Umurenge bikoreramo, ibyari bisanzwe bikora bitegekwa kwiyandikisha mu gihe kitarenze amezi atandatu.

Ni ibikubiye mu iteka rya Minisitiri w’Imari n’Igenamigambi rigenga ibimina riherutse kujya ahagaragara.

Nyuma y'ukwezi Leta y'u Rwanda itangaje itegeko rigenga ibimina, bamwe mu babirimo baryakiriye mu buryo butandukanye. Hari ababona ko ari uburyo bwiza bwo guhashya imikorere mibi hamwe na hamwe, mu gihe abandi baribona nk'uburyo bwo kwinjirira ubwisanzure bwabo.

Tharcisse Tabaro, ukora akazi k'ubuzamu mu murenge wa Tumba mu Karere ka Huye mu Majyepfo y'u Rwanda, uri mu kimina, yabwiye BBC Gahuzamiryango ko nubwo kugeza ubu batarasobanukirwa neza imikorere mishya, ariko 'uko nabyumvise byaba ari byiza kuko hari igihe byambura abantu ukabura aho urega.'

Ku rundi ruhande ariko, Eudes Duhawenimana, impuguke mu buhinzi (agronome) ukorera mu Karere ka Nyamagabe, na we uri mu kimina, asanga kugenzura cyane bitari ngombwa. Ati: "Umuntu yaba ameze nkaho adafite ubwisanzure."

Tabaro, uvuga ko ari mu kimina cy'abantu 60 barimo abacuruzi n'abakozi bo mu rugo, agira ati: "Kugeza ubu aka kanya, [abayobozi] ntabwo baraza kuduha amabwiriza. Uko nabyumvise [mu iteka], byaba ari byiza kuko hari igihe byambura abantu ukabura aho urega.

Bizaba bifite ubuziranenge. Iyo bigiye muri leta, biba byiza kuko ishyiramo n'imbaraga zo kubyishyuriza. N'abafite amanyanga [uburiganya] yashira."

Iri teka rigaragaza ko Minecofin ishinzwe guteza imbere ibimina no gukurikirana imikorere yabyo binyuze mu ishami ryayo rishinzwe guteza imbere urwego rw’imari.

Ingingo ya karindwi yaryo iteganya ko 'Ikimina kigomba kugira izina ridasa n’iry’ikindi kimina byanditswe mu Murenge umwe.'

Ikimina kandi cyandikishwa mu buyobozi bw’Umurenge gikoreramo, bigakorwa ku buntu. Ku bikorwa byinshi bikorerwa mu kimina hakurikizwa amategeko ngengamikorere yacyo.

Ingingo ya 17 y’iri teka iteganya ko “Ikimina cyanditswe hakurikijwe ibiteganywa n’iri teka gihita kigira ubuzimagatozi.” Ubwo buzimagatozi buhesha ikimina uburenganzira bwo gukurikirana inyungu zacyo, ariko kandi na cyo gishobora gukurikiranwa cyangwa kikaryozwa inyungu z’abandi.

Itegeko rigenga ibigo by’imari iciriritse byakira amafaranga abitswa ryatowe n’Inteko Ishinga Amategeko muri Kamena 2024 ryongewemo ‘Ikimina’ nk’uburyo abantu bagize itsinda batanga amafaranga bagamije kwizigamira no kugurizanya hagati yabo mu buryo babyumvikanyeho.

Iryo teka rya Minisitiri w'Imari n'Igenamigambi ryo ku itariki ya 21 Kanama uyu mwaka rigenga ibimina, ryasohotse muri nimero idasanzwe y'igazeti ya leta yo ku wa 22 Kanama, risaba ibimina kugira konti muri banki no kwiyandikisha mu buyobozi bw'umurenge biherereyemo.

Iri teka kandi riteganya ko iyo igihe ikimina cyagenewe kubaho kirangiye, abanyamuryango bakorana n’ubuyobozi bw’Umurenge kigaseswa.

Gusa n’ubuyobozi bw’Umurenge bushobora gusaba ko ikimina giseswa hagakusanywa umutungo wacyo ukagabanywa abanyamuryango iyo igihe cyateganyaga kumara kirangiye, mu gihe icyo gihe cyateganyijwe mu matageko ngengamikorere; kubera igihombo; cyangwa hatubahirijwe amategeko ngengamikorere yacyo.

Rigaragaza ko “Ibimina byose biriho bihawe igihe cy’amezi atandatu uhereye igihe iri teka ritangarijwe mu Igazeti ya Leta ya Repubulika y’u Rwanda kugira ngo byubahirize ibiteganywa na ryo.”

Imibare igaragaza ko mu 2021 ibimina byabarizwagamo abarenga Miliyoni ebyiri bizigamiye hafi Miliyari 49 Frw, aho abarenga 70% ari abagore.

Banki Nkuru y’u Rwanda igaragaza ko mu bimina birenga ibihumbi 90 bibarizwa mu Rwanda, ibigera ku bihumbi bibiri bikoresha ikoranabuhanga.

Ubushakashatsi bwa gatanu ku mibereho y'ingo mu Rwanda bwatangajwe mu Kuboza 2018, bugaragaza ko Abanyarwanda bitabira ibimina, binazwi nk'amatsinda kurusha uburyo busanzwe bwo mu bigo by'imari.

Imibare y'ubwo bushashatsi ku ngo bukorwa buri myaka itatu n'ikigo cy'igihugu cy'ibarurishamibare (NISR), igaragaza ko kugeza mu 2017, 58% by'ingo z'Abanyarwanda batangaga umusanzu mu kimina. 41% by'ingo zabitsaga kuri konti yo mu kigo cy'imari, naho 75% by'ingo zabitsaga muri kimwe muri ibyo nk'uko byasubiwemo n'Ikigo cy'Igihugu cy'ubushakashatsi n'ubusesenguzi ku ngamba (IPAR).