Impamvu y'idindira rigaragara mu kwishyura inguzanyo mu mboni z'abasesengura iby'ubukungu

Nyuma y’uko igipimo cy’inguzanyo zitishyurwa neza kivuye kuri 3.6% kikagera kuri 5%, abasesengura ibijyanye n’ubukungu basanga abasaba inguzanyo mu bigo by’imari bakwiye kujya banonosora neza imishinga yabo kugira ngo kwishyura bitazagorana.

Kuba hari umwenda w'inguzanyo ya Miliyari 267Frw utarishyuwe neza, abasesengura ubukungu basanga biterwa n'imishinga ikorwa ntitange umusaruro na ba nyirayo cyangwa abaturage bakaka amafaranga ntibayakoreshe ibyo bayasabiye.

Umwe muri aba basesenguzi waganiriye na RBA, Kwizera Seth, umwarimu muri Kaminuza y'u Rwanda akaba anakuriye Ihuriro ry'Abashakashatsi kuri Politike z'Ubukungu, EPRN, yagaragaje ko hari abasaba inguzanyo muri banki bagaragaje imishinga bagiye gushoramo ayo mafaranga ariko bikaza kurangira bayakoresheje ibindi.

Ati: "Bishobora kuba byarapfiriye mu nyigo yakoze, ashobora kuba atahisemo umushinga mwiza, yiganye abandi [...] Nyir'ukuyaka biba bimuhombeje kandi iyo bimuhombeje bihita bigira ingaruka no ku gihugu.

Noneho bigira n'ingaruka ku mabanki. Iyo banki zitabasha kubona amafaranga agaruka aturutse mu bo bari bayagurije ngo zongere ziyasubije mu bukungu, birumvikana ko iterambere rigenda ku muvuduko utari mwinshi cyane."

Gusa n'ubwo uyu mwenda ari mwinshi, Guverineri wa Banki Nkuru y’u Rwanda, John Rwangombwa, yatangaje ko inguzanyo zitishyurwa neza zikiri kuri 5% bitatuma banki zihomba kuko ziba zikibasha kunguka.

Ati “Buriya n’iriya 5% tuba twagaragaje hari ayo baba bahanaguyemo babona atazashobora kwishyurwa neza bakayashyira ku ruhande bakagenda bayakurikirana buhoro buhoro […] kuko iyo habaye imyenda itishyuwe ibanza kwica inyungu zabo za nyungu zagera ahantu wagiye mu bihombo ikica imari yabo.

Iyo rero ibyo bibiri bikimeze neza nubwo habaho imyenda itishyurwa neza, iyo ikiri muri cya gipimo cya 5% nubwo iyo ugiye kureba mu mafaranga nyir’izina usanga ari amamiliyari menshi ariko ni amamiliyari menshi ari munsi y’ayandi menshi cyane agaragaza ko badashobora guhomba.”

BNR igaragaza ko igipimo cy’inguzanyo zitishyurwa neza cyiyongereye kuko cyavuye kuri 3.6% kikagera kuri 5% hashingiwe kuri Raporo ya 2023-2024.

Ubushakashatsi bwa FinScope 2024 bwagaragaje ko abasaba inguzanyo muri banki no mu bigo by'imari biyongereye bagera kuri Miliyoni 1,9 bavuye kuri miliyoni 1,5 muri 2020.