Igihombo mu bigo by’imari iciriritse “Microfinance” cya miliyari 3.5 Frw – UMUSEKE

Igihombo mu bigo by’imari iciriritse “Microfinance” cya miliyari 3.5 Frw

Raporo nshya iherutse gushyirwa hanze na Banki Nkuru y’igihugu y’uko urwego rw’imari rw’u Rwanda rwari ruhagaze mu mezi atandatu ya mbere ya 2017 iragaragaza ko ibigo by’imari iciriritse muri rusange byaguye mu gihombo cya miliyoni 118, nubwo harimo igice kimwe cyahombye asaga miliyari eshatu z’amafaranga y’u Rwanda.

Za "Microfinance" zahombye miliyari zirenga eshatu mu mezi atandatu.

Za “Microfinance” zahombye miliyari zirenga eshatu mu mezi atandatu.

Kugeza muri Kamena 2017, mu bigo by’imari 473 byakoreraga mu Rwanda harimo za SACCO 455, zirimo Umurenge SACCO 416 dore ko buri murenge uyifite.

Raporo ya Banki Nkuru y’igihugu (BNR) iragaragaza ko kugera muri Kamena 2017, ibigo by’imari iciriritse byari bifite imitungo ibarirwa muri miliyari 247.7 z’amafaranga y’u Rwanda, ivuye kuri miliyari 230.3, bikagaragaza ko mu gihe cy’umwaka iyi mitungo yazamutseho 7.6%.

Gusa, iyi raporo ya BNR nanone ikagaragaza ko iri zamuka riri ku muvuduko muto ugereranyije n’umwaka wabanje, aho ryari riri kuri 22.8%.

Raporo ikavuga ko iri zamuka rigenda gake mu mezi atandatu ya mbere y’umwaka wa 2017 ryatewe “n’uko amafaranga abaturage babitsa mu bigo by’imari yagabanutse, ndetse n’inguzanyo zitishyurwa neza zazamutse ziva kuri 7.5% muri Kamena 2016 zikagera kuri 12.3% muri Kamena 2017.”

Umuvuduko w’amafaranga abaturage babitsa mu bigo by’imari iciriritse wavuye ku kuri 20.1% mu mezi atandatu ya mbere ya 2016, ugera kuri 5.9% mu gice cya mbere cya 2017.

Raporo iti “Kuko ibigo by’imari iciriritse bishingira cyane ku mafaranga abakiriya babo babitsa cyane cyane abo mu byaro ari nabo benshi, kugenda gake kw’amafaranga abitswa byagize ingaruka ku bushobozi bwabyo bwo gushora imari, ahanini bitewe n’ubuhinzi butagenze neza kuva mu mwaka ushize.”

Ibi byose byatumye no kuguriza abaturage bigenda gacye, dore ko nko hagati ya Kamena 2016 na Kamena 2017, inguzanyo z’ibigo by’imari iciriritse zari mu bakiriya zazamutseho 6.7% gusa, mu gihe umwaka wabanje zari zazamutseho 27.6%.

Kugenda gake mu gutanga inguzanyo kandi ngo byanatewe ahanini na gahunda yo kwitonda mu gutanga inguzanyo ibi bigo byihaye, kubera ibibazo by’inguzanyo zitishyurwa neza ziriho ziyongera.

Imibare igaragaza ko igipimo nk’iki cy’inguzanyo zitishyurwa neza mu bigo by’imari iciriritse cya 12.3% ntikigeze kibaho kuva mu 2010.

Igihombo kiri kwinjira mu miryango y’ibigo by’imari

Biriya bibazo byavuzwe ruguru, byaje kugira ingaruka ku rwunguko rw’ibigo by’imari iciriritse by’umwihariko ibikora nk’amabanki “Limited Liability MFIs” ari nbyo bizwi cyane ku izina rya “Micro-finance”, ibi bigo muri Kamena 2017 byari bifite igihombo cya miliyari 3.6 z’amafaranga y’u Rwanda.

Iki gihombo BNR ivuga ko gikomoka ku kigo cy’imari kimwe cyatanze inguzanyo nini mu mushinga munini ikaba itishyurwa neza, gusa yaba BNR ndetse n’ihuriro ry’ibigo by’imari iciriritse “AMIR” bagize ibanga iki kigo.

Ku rundi ruhande za Koperative zizwi nka “SACCO” zo zungutse miliyari 3.5 z’amafrw mu mezi atandatu ya mbere y’uyu mwaka.

Gusa, ushyize hamwe muri rusange ibigo byose, Raporo igaragaza ko byahombye miliyoni 118 z’amafaranga y’u Rwanda kubera biriya bigo byavuzwe ruguru. N’ayo za SACCO zungutse ahita aba ubusa imbere ya kiriya gihombo.

Mu murongo w'umukara harimo inyungu n'igihombo ibigo by'imari iciriritse byatangiye kugira kuva mu 2010.

Mu murongo w’umukara harimo inyungu n’igihombo ibigo by’imari iciriritse byatangiye kugira kuva mu 2010.

Ibi bikaba biganisha ku guhombya abashoye imari muri ibi bigo, dore ko muri rusange inyungu ku mutungo “Return on Assets (ROA)” ubu yavuye kuri 3.8% mu mwaka ushize ikaba iri kuri -0.1%, naho inyungu ku mugabane “Return on Equity (ROE)” ikaba yaravuye kuri 13.3% mu mwaka ushize ijya kuri -0.3%.

Peter Rwema, umuyobozi wa AMIR avuga ko bari biteze igihombo kubera ko hari impamvu nyinshi zijyanye n’uko ikirere cyari kifashe byatumye ubuhinzi butagenda neza, kandi ibigo byose biguriza abahinzi n’abaorozi.

Ati “Iyo ibintu bitagenze neza n’abafashe inguzanyo ntabwo bishyura neza, iyo inguzanyo zitishyuwe neza bituma n’urwunguko rugabanuka.”

Abajijwe icyo bagiye gufasha ibigo by’imari iciriritse kugira ngo bihangane n’iki gihombo, yavuze ko bagiye kubaka ubushobozi bw’ibigo by’imari cyane cyane mu bijyanye no kugenzura no gusesengura imishinga y’abaka inguzanyo, ariko ku rundi ruhande ngo banizeye ko gahunda ya Leta yo gushyiraho ubwishingizi buciriritse izatanga umusaruro.

Urwego rw’imari iciritse “Microfinance” rugizwe n’ibigo by’imari binyuranye ndetse na za Koperative zo kubitsa no kugurizanya nka za SACCO ni rumwe muzikomeje kugira uruhare runini cyane mu kwegereza abaturage Serivise z’imari.

Venuste KAMANZI
UMUSEKE.RW

4 Comments

  1. Natal

    14/09/2017 at 6:58 am

    Ariko nka Sacco ihomba ute n’amafaranga zihora zitwaka? Inyubako nitwe tuzigura, inyungu ku nguzanyo ntiwareba… Baraje ahubwo bahombe koko! Aha ndi twanoganije kwigira mu zindi zitadukata.

  2. Mike

    14/09/2017 at 11:12 am

    Sacco ariko zarungutse

  3. ndahayo

    14/09/2017 at 12:31 pm

    ahubwo bakwiye kwihutisha ikoranabuhanga mu mirenge sacco ubundi mukareba ukuntu twese tuzigana

  4. sebanani

    23/09/2017 at 5:59 pm

    bagerageze bikubite agashyi pe kuko birakabije kad mujye munabaha amahugurwa ahagije kuko ba comptable na ba managers na sills babafite muri managment

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