Uburyo 10 bwo kwizigamira mu Rwanda, hari n’uburusha inyungu za Banki – UMUSEKE

Uburyo 10 bwo kwizigamira mu Rwanda, hari n’uburusha inyungu za Banki

Muri ibi bihe Guverinoma y’u Rwanda iri gukangurira abanyarwanda kwizigamira mu rwego rwo gutegurira ejo hazaza habo, ariko bikaba n’uburyo bwo gufasha ubukungu bw’igihugu no kuzamura urwego rw’imari muri rusange.

Uburyo bunyuranye bwo kwizigamira mu Rwanda bufite inyungu zibarika.

Uburyo bunyuranye bwo kwizigamira mu Rwanda bufite inyungu zibarika.

Mbere yo gufata amafaranga yawe ngo uyazigame ugomba kubanza gutekereza neza aho ugiye kuyashyira, byaba na ngombwa ukagisha inama abasobanukiwe iby’ubukungu n’imari.

Uyu munsi kubera ihindagurika ry’ibiciro ku masoko riri hejuru, dore mu mpera za 2016 ibiciro byari byariyongereyeho 7,3%, ariko muri rusange nko muri uyu mwaka biteganyijwe ko ibiciro biziyongeraho 5%, usanga inyungu itangwa n’ibigo by’imari bimwe na bimwe isa nk’aho mu mibare baba bayiguhaye, ariko mu buryo bufatika ntacyo yunguye uwazigamye.

Kugira ngo byumvikane neza, niba wabikije amafaranga ibihumbi 100 muri Banki ikakwemerera inyungu ya 7% ku mwaka, ubwo umwaka uzarangira ufite bya bihumbi 100 kongeraho ibihumbi birindwi (7 000 Frw). Kuri aya hakaba hagomba kuvaho umusoro wa 18% ungana na 1 260 Frw, ugasigarana 5 740 Frw

Ni ibiciro ku isoko bizamutseho wenda 7%, bivuze ko muby’ukuri ikintu washoboraga kugura na ya mafaranga yawe ibihumbi 100, cyageze ku bihumbi 107, ku buryo ubaze neza wasanga ya mafaranga yawe n’inyungu Banki yakungukiye bidashobora kukigura, usabwa kongeraho ahubwo 1 260 kugira ngo ubashe kukigura.

Ariko nanone, nubwo izo mpamvu zose zatuma amafaranga yawe ntacyo akungukira mu buryo bufatika, nanone biruta ko wayabika mu rugo kuko aho usabwa kongeraho amafaranga 1 260 wari kuba usabwa kongeraho 7 000 Frw iyo uba warayibikiye, kandi utaranafashije urwego rw’imari rw’igihugu.

Muri Banki z’ubucurizi, ibigo by’imari na za Koperative zo kubitsa no kugurizanya inyungu bakungukiye itangwaho umusoro gusa mukumvikana niba aribo bazajya bayigutangira ukabona inyungu yawe yose, cyangwa uzajya ukurwa ku nyungu yawe.

Gusa, ikiza cyo kubitsa muri Banki n’ibigo by’imari ni uko ho bashobora no kukuguriza, muri Banki z’ubucuruzi ubu inyungu ku nguzanyo ni 17.33% nk’uko bitangazwa na BNR.

Kwizigamira muri Koperative Umurenge SACCO

Koperative Umurenge SACCO niyo Koperative yegereye abaturage benshi itanga inyungu itarenze 6% nk’uko twabitangarijwe n’Urwego rushinzwe za Koperative mu Rwanda (RCA).

Gushyira amafaranga muri za Banki

Muri Banki z’ubucuruzi n’ibigo by’imari, inyungu yumvikanwaho hagati y’ubitsa na Banki ahanini binatewe n’amafaranga ubitsa azajya abitsa.

Banki Nkuru y’u Rwanda niyo igena inyungu ku mafaranga yabikijwe muri Banki, izi nyungu zikaba zigenda zihinduka.

Mu myaka 10 ishize inyungu yo hasi yabaye 5.51% muri Mutarama 2009, naho inyungu yo hejuru iba 11.550 muri Gashyantare 2013 nk’uko bigaragazwa n’imibare ya BNR.

Umwaka

Ijanisha ryo Hasi

Ijanisha Hejuru

2007

6.77

8.01

2008

5.69

6.72

2009

5.51

9.94

2010

6.14

7.59

2011

7.22

8.65

2012

7.400

11.150

2013

8.030

11.550

2014

7.302

9.289

2015

7.589

8.845

2016

7.076

8.610

2017

7.215

8.569

 

Kugura imigabane muri RNIT-Iterambere Fund

Ikigega cy’ishoramari ‘Iterambere Fund’ cy’Ikigo mpuzamigabane y’ishoramari “Rwanda National Investment Trust (RNIT) nacyo ni kimwe mu nzira wacishamo ubwizigame ukiguramo imigabane.

Amahirwe kirusha ubundi buryo bwinshi ni uko ushobora kukiguramo imigabane uhereye ku mafaranga y’u Rwanda 2 000 kuzamura.

Inyungu ya hano iri ku gaciro k’umugabane kagenda kazamuka ndetse n’inyungu iri hafi ya 10% ku mwaka.

Umuntu waguzemo imigabane 100 ku mafaranga y’u Rwanda 10 000 ikigega gifungura mu mpera za 2016, ubu kuko agaciro k’umugabane kageze hejuru y’amafaranga 110, ubu imigabane ye imaze kugira agaciro k’amafaranga 11 000 Frw.

Uko agaciro k'umugabane w'Iterambere Fund kagiye kazamuka.

Uko agaciro k’umugabane w’Iterambere Fund kagiye kazamuka.

Kugeza ubu Leta ntiratangira gusoresha inyungu uwashoye muri iki kigega abona kuko aribwo kigitangira.

Kugura impapuro z’agaciro mvunjwafaranga

Ubundi buryo bwiza ni ukugura Impuro z’agaciro mvunjwafaranga z’umwenda wa yaba “Treasury & Corporate Bond” z’igihe kirekire cyangwa “Treasury Bills” z’igihe kigufi.

Raporo za BNR zigaragaza ko impapuro 13 zikiri ku isoko zifite inyungu ihindagurika hagati ya 11.700% kugera ku mpapuro Leta izasoza kwishyura muri Gicurasi 2031 zifite inyungu ya 13.500%

Naho ku mpapuro z’igihe gito zizwi nka “Treasury Bills” zimara iminsi iri hagati ya 28 na 364 ho impuzandengo y’inyungu 7.42%, gusa irahindagurika bitewe n’isoko.

Uko inyungu za Treasury Bills zagiye zihinduka mu myaka ibiri ishize.

Uko inyungu za Treasury Bills zagiye zihinduka mu myaka ibiri ishize.

Inyungu kuwaguze izi mpapuro ikurwaho umusoro wa 5% iyo ari Umunyarwanda cyangwa umuturage wo mu Bihugu bya Africa y’Iburasirazuba, ukomoka ahandi asora 15%.

Ku isoko ry’Imigabane

Gushora ku isoko ry’imari n’imigabane ni andi mahirwe ariho mu Rwanda, aha ho inyungu iterwa n’uko ikigo washoyemo cyungutse.

Gusa, hari n’abagura imigabane bakayigurisha igiciro cyayo cyazamutse bakaba bakuramo inyungu.

Kwiteganyiriza izabukuru

Kugeza ubu uburyo bwo kwiteganyiriza izabukuru bufitwe n’ikigo kimwe mu Rwanda “Rwanda Social Security Board (RSSB)”.

Gusa, Guverinoma ivuga ko mu minsi iri imbere bazemerera n’ibigo byigenga kubyinjiramo.

Aha umukozi atanga muri RSSB 6% by’umushaharawe, gusa 3% itangwa n’umukozi naho 3% igatangwa n’umukoresha.

Iyo ubashije gutanga imisanzu witeganyiriza izabukuru mu gihe cy’imyaka 15 amafaranga ya Pansiyo uhabwa angana na 30% by’umushahara ngereranyo (impuzandengo) wawe w’ukwezi mu myaka itanu ya nyuma.

Igihe ufite imyaka y’ubwiteganyirize irenga imyaka 15, Pansiyo yawe yongerwaho 2% kuri buri gihe kirengaho cy’amezi cumi n’abiri (12) warengejeho, ni ukuvuga ko biba ari 30% ku myaka 15 y’ubwiteganyirize, 32% ku myaka 16 y’ubwiteganyirize, 34% ku myaka 17 y’ubwiteganyirize,…gutyo gutyo.

Uko urengejeho umwaka ku bwizigame bw'imyaka 15 niko ugenda wongererwaho 2%.

Uko urengejeho umwaka ku bwizigame bw’imyaka 15 niko ugenda wongererwaho 2%.

Nubwo kugeza ubu kwizigamira izabukuru bireba abakozi bafite umushahara w’ukwezi, mu ntangiro z’umwaka utaha hazatangira gahunda y’igihugu yo kwizigama izaba ireba abanyarwanda bose mu byiciro by’ubuzima byose.

Kuzigamira amashuri

Ibigo binyuranye by’ubwishingizi bifite Serivise z’ubwishingizi bw’amashuri, ni amafaranga utanga uzigamira amashuri y’abana. Ibi bigo bitanga inyungu iri hagati ya 2,5% na 4%.

Aha uvuga amafaranga ushaka ko umwana wawe azishyurirwa abakakubarira amafaranga bigusaba buri kwezi kugira ngo bizangane wongeyeho inyungu mwumvikanye.

Koperative zo kubitsa no kuzigama

Muri iki gihe usanga hirya no hino mu Rwanda abaturage bafite ibimina babitsamo bakanazigama, gusa inyungu iterwa n’ibikorwa Koperative yashoyemo n’inyungu yakuyemo.

Gushyira amafaranga mu “Ikimina”

Hirya no hino usanga ibimina bifasha abantu kuzigama amafaranga ubika ari make ukazayafata nk’umwaka urangiye yarabaye menshi.

Hari aho usanga bahitamo kuyahererekanya, iyo ari ikimina gitanga ibihumbi 10 ku kwezi muri abantu 10, baguha ibihumbi 100 bikagufasha kugira igikorwa wakora ariko n’ubundi nawe ukazatanga ibihumbi 100.

Inyungu yabyo ni uko ubona amafaranga yo gukoresha nta nyungu watswe, ariko nanone biragoye kubara inyungu yabyo mu buryo bufatika.

Kugura imitungo itimukanwa

Abanyarwanda usanga bakunze kuzigama mu mitungo yaba iyimukanwa n’itimuka, ibi ni bimwe mu ishoramari ryiza ariko utapfa kumenya aho bizaba bigeze mu myaka 20 cyangwa 30 iri imbere, kimwe n’uko hari igihe byangirika.

Minisitiri w’Imari n’igenamigambi Amb. Claver Gatete avuga ko mu 2009 Guverinoma yari ifite intego ko byibura mu 2020 Abanyarwanda bazaba barabashize kwizigamira 20% by’umusaruro mbumbe w’igihugu (GDP) ubu ugeze kuri miliyari 6,618 z’amafaranga y’u Rwanda nk’uko Ikigo cy’igihugu cy’ibarurishamibare kibitangaza.

Ariko ubu habura imyaka ibiri iki gipimo kigeze ku 10,2% hatabariwemo ubundi bwizigame butari mu gaciro k’amafaranga nk’imitungo itimukanwa.

Ubushakashatsi ku rwego rw’imari “Finscope” mu Rwanda bwa 2016 bugaragaza ko 86% by’Abanyarwanda bakuze, ni ukuvuga miliyoni 5,1 bizigama. Gusa, ubwizigame bunyura mu bigo by’imari byemewe ni 49% gusa, ariko bwavuye kuri 36% mu 2012.

Venuste KAMANZI
UMUSEKE.RW

14 Comments

  1. Jean

    07/11/2017 at 6:44 pm

    Murakoze cyane kubw’iyinkuru yo kwizigama nokubisobanuro muduhaye byumvikana,ariko nano harikintu nkunze kubona kubantu benshi aho usanga umuntu yizigama kuberako haribyamusagutse cg ugasanga umuntu abuze igiceri cya 5fr akumvako ari ubusa nyamara uba utangiye gutakaza amafranga buhoro buhoro.
    Njye uko mbyumva umuntu yakabaye yizigama ataruko yasaguye ahubwo wakabaye wiha umurongo w ‘amafranga ushobora guhihibikanira burimusi(icyumweru cg ukwezi)noneho wamara kuyabika(kuyazigama) akaba aribwo ujya mubindi bijyanye nokwiyitaho(kwishimisha)bikaza nyuma yo kwizigama.
    Murakoze.

    • Gapita

      07/11/2017 at 7:49 pm

      Ni igiki gishya uvuze muri iyi comment yawe ishingiye kuri assumptions zidafite gihamya ifatika ? Tubwire agashya uvuze kadasanzwe.

    • Emmanuel

      08/11/2017 at 8:17 am

      Jean urakoze cyane kubw’igitekerezo utanze, Gusa Uzigama ayo wasaguye kubyankenerwa, iyo ibyo winjiza bitaruta ibyankenerwa byibanze ntushobora kwizigama, Ikindi n’uko umuntu yishimisha iyo ibyankenerwa byibanze byabonetse byose hanyuma akizigama asagutse niyo yishimishamo.

  2. Zunguzayi

    07/11/2017 at 7:19 pm

    Sinabivuzeko aya mabanki yose mubona ashinzwe nogusahura umuturage? hanyuma mukibaza impamvu abantu baguza banki bamwe usanga bisanze bari gutezwa cyamunara ariko wareba rero ugasanga leta nayo inyunyuza rubanda igakabya.Icya gatanu kunyungu namafaranga menshi cyane.Nkunze ruriya rugero mwatanze ko iyo inflatiion ije usanga na leta iza kugusonga.Kuko ibasonga muri batatu wa wundi waranguye ahenzwe acuruza ahenze akariha imisoro iri hejuru na wawundi waguze ubwo nyine nta kundi akimyiza imoso cyangwa akipfira akava munzira akabisa abishoboreye.

  3. Aleluya

    07/11/2017 at 8:30 pm

    Bank byo ni abambuzi babi usibye ko nta handi wabacikira! Wambwira umuntu wahimbye bank

    • Surwumwe

      08/11/2017 at 3:41 am

      Jya mu Butaliyani niho uri bukure amakuru afatika, byahereye kubari bihariye ubutaka muri icyo gihugu, bakabutiza abatabutife ngo babone aho bahinga ibyo kurya hanyuma bakanabaguriza imbuto (ingano,…). Ariko kandi igitangaje ni uko na mbere yaho hari n’abagurizaga abantu frw n’imyaka kandi akenshi babaga bari mu nsengero (Temples). BAriya Yesu yirukanye Hekaru harimo na banquiers.o

      Gusa, niba hari ikintu cya mbere giteza inegalites mu bantu ni Banks. Banks nizo soko y’ubukire n’ubukene, niho ubukungu bw’abantu buzingiye, niho ushaka gukiza cg gupyinagaza abantu bamwe abikorera….uwaguha gutekereza nka banquiers wahita ujya kwa Gitwaza gukizwa.

      Njye mbona ari ubwambuzi bwemeranijweho n’abantu 2 (Leta na banks). Urugero: Leta ishishikariza abantu kubitsa (gushyira frw banks), ariko iyo ubikije inyungu baguha iba akenshi ari hasi inshuro 2 cg 3 z’iyo baguca ugujije (21/7). Iyo ubikije kandi, Leta iguca 15~18% kuri ya nyungu wabonye ariko iyo Leta igaha banque imyaka 5 yo gukora (kunguka) itishyura umusoro. Urugero nk’ubu Equity Bank y’Abanyakenya ntiratangira kwishyura imosoro, imaze imyaka 5 isonewe itishyura. Mbese umwe arishyura umusoro kubera ko yakoze ikosa ryo kubitsa, undi nta misoro yishyura kubera ko gusa yahawe izina ryitwa “umushoramari”, ubwo ubusumbane burenze ubu ni ubuhe ? justice irihe muri iyi economie ni iyihe?

  4. Darius

    08/11/2017 at 12:15 am

    Nkawe wakoze iryo sesengura wahitiramo abanyabyaha ubuhe bwizigamire butabiba ese BNR yamarira iki abaturage ko
    bank zubucuzi inyungu ziri hejuru

  5. Darius

    08/11/2017 at 12:21 am

    Sorry abanyarwanda

  6. Emmanuel

    08/11/2017 at 8:26 am

    Kwizigama Kwiza kutagira ingaruka z’igihombo mu gihe ibiciro bizamuka (Inflation) n’ukwizigama mu mitungo yimukanwa n’itimukanwa ifite agaciro karambye, Gushora Imari mu mishyinga y’ubuhinzi n’ubworozi iyo wapimye neza ikirere, ibindi byose Haba kujya muri Banks, Kugura Bonds zigihe gito n’ikirekire birahombya. Ikindi n’uko societe z’ubwishingizi nazo zitanga Ubwizigame bw’igihe kirekire hiyongereyeho ubwishingizi bw’ubuzima (Prevoyance retraite) nka RSSB. Urugero: SORASVIE.

  7. Bosco

    08/11/2017 at 11:31 am

    Iyi nkuru nayumvaga pe isoje numva mbonye igisubizo ariko comments mbonye aha zirushijeho kumvanga,
    Finally twizigamire mu mishinga yubuhinzi se?
    Sinari nzi ko leta yishyuza inyungu ku nyungu wungukiwe na bank, ego ko ndumiwe!

    Ikindi mumbwire, ubu buryo bwazanywe na MTN, ubwo ni Mokash cg Tigo Cash yazanye Tigo Sugira, ko wumva bwungukira umuntu nibura 7%, ayo na yo arasora muri leta?

    • 1254754

      08/11/2017 at 2:58 pm

      Birakuvanze nyine kuko inkuru akenshi ziba ari ibipindi. Ejo umuseke wsohoye inkuru yo kwizigamira, uyu munsi leta nayo isohoye T-Bonds za milliards 10; Ubwo wowe hatarimo tena cg ni uguhurirana gusa.

  8. Ntiganzwa sekibibi Appolinaire

    08/11/2017 at 12:46 pm

    Uyu murimo mukora ni mwiza woumenyesha abanyarwanda uko kwiteganyiriza bihagaze , icyo gitekerezo cyo gushyiriraho abandi banyarwanda bandakorera leta kwiteganyiriza nibwiza , bwaratinze .

  9. Alexis

    08/11/2017 at 8:44 pm

    Mwakoze kudusobanurira,harumuntu watanze igitekerezo atuma nsigara nibaza niba Leta ireberera abaturage ko ntacyo ikora ngo izo Bank nazo zigabanye inyungu kunguzanyo muri kiriya gihe cy’imyaka itanu itaratangira gusora niba ariko bimeze koko?

  10. Jyewe

    11/11/2017 at 7:01 pm

    Kevin wamenye ubwenge, usigaye wandika ibintu by’ ubwenge kbsa!
    Iyi nkuru ni nziza ni ingirakamaro!

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