Bamwe mu borozi bo mu karere ka Musanze, bavuga ko gufata ubwishingizi, bituma bizerwa n’amabanki, bityo bagahabwa inguzanyo ituma bagera ku iterambere.
Aba borozi bavuga ko nyuma yo gusobanukirwa na gahunda ya ‘Tekana Urishingiwe Muhinzi-Mworozi” igamije guha amahirwe abahinzi n’aborozi gufata ubwishingizi bw’imyaka n’amatungo, bafashe ubwo bwishingizi, bituma bibarinda ibihombo bya hato na hato.
Kamuzindu Claude ni umworozi wo mu karere ka Musanze, mu Murenge wa NKotsi . Uyu amaze imyaka 10 yorora inka.
Uyu mugabo asobanura ko nyuma yo gusezererwa mu ngabo,ahawe ikiruhuko cy’izabukuru, yinjiye mu bworozi, abikesha inguzanyo yahawe na Banki .
Avuga ko mu mwaka wa 2023, yarwaje inka, maze ziza gupfa ariko aza gushumbushwa kubera gufata ubwishingizi.
Ati “ Nigeze gupfusha inka eshatu, ubwishingizi buranyishyura. Ubwishingizi nabugiyemo nyuma kandi hari inka nigeze gupfusha ndahomba miliyoni 1.8Frw.”
Akomeza ati “ Iyo ushaka gukora umwuga buri gihe , ukajya mu bintu neza, ntufate ubwishingizi, ntabwo uba urimo neza. Iyo itungo ripfuye utari mu bwishingizi , urahomba.”
Gufata ubwishingizi bituma agira iterambere
Kamuzindu avuga ko yizigama bityo bikamufasha mu iterambere abikesha gufata ubwishingizi.
Ati “ Umwuga nkora urantunze.Iyo navanyemo byose, kugira ngo ndebe ko nabigira akazi, navanyemo amafaranga yose nakoresheje, nizigama ibihumbi 700 frw ku kwezi navanyemo ayo nakoresheje yose( depenses).Yaba yagabanutse nizigama ibihumbi 600frw ku kwezi. Ni ukuvuga ngo ni akazi ushobora kuvuga ngo reka ngarukirane, njye mu bwishingizi , ningira ikibazo ,ubwishingizi bunyishure.”
Ubwishingizi butuma bizerwa na Banki
Asobanura ko kuba afite ubwishingizi , bituma yizerwa na banki bityo agakomeza kwagura ubworozi bwe ndetse n’imibereho igahinduka.
Ati “Nafashe inguzanyo igera kuri Miliyoni 5frw nshaka kujya mu bworozi, ntanga inka zifite ubwishingizi, banki iranyemerera, impa inguzanyo.Ubworozi mfite ni aho bwakomotse.”
Uyu muturage agira inama abandi borozi batarafata ubwishingizi kubufata kuko bibarinda ibihombo.
Ati “ Inama nagira umuturage, ni uko niba ashaka gufata ubworozi nk’umwuga, wamuteza imbere ni uko agomba gufata ubwishingizi kugira ngo nahura n’ikibazo, ubwishingizi bube bwamutabara.”
Umworozi w’inkoko nawe arashima
Manishimwe Clalisse, nawe ni umworozi w’inkoko wo mu Murenge wa Muhoza, mu karere ka Musanze.
Uyu nawe ashimangira ko yashyize inkoko mu bwsihingizi kugira ngo yirinde ibihombo.
Ati “Mbere twororaga inkoko zigapfa, tugahura n’igihombo. Inkoko nzimazemo imyaka icyenda. Ntangira korora inkoko , nashyize mu bwishingizi inkoko Magana atanu, nizo za mbere nashyizemo. Icyo gihe nshobora kuba narapfushijemo inkoko 48 , izo nkoko narazishyuwe amafaranga y’u Rwanda ibihumbi birenga Magana abiri (200.000frw), nta kibazo ndagira n’ibigo bitanga ubwishingizi.”
Aba borozi bavuga ko nubwo hakorwa ibishoboka byose ngo bashumbushwe mu gihe bahuye n’ikibazo, basaba ko bajya bishyurwa vuba kuko hari ubwo bitinda mu gihe bahuye n’ibihombo.
Umuyobozi wa gahunda y’ubwishingizi mu Kigo cy’Igihugu gishinzwe Ubuhinzi n’Ubworozi , Joseph Ntezimana Museruka , avuga ko bifuza ko abahinzi n’abarozi bafata ubwishingizi bakwiyongera mu gihe y’imyaka itanu.
Ati “ Twavuga ko ubwitabire ari bwiza ariko butaragera aho bwifuzwa kubera ko usanga tukiri munsi ya 10% y’ubwitabire, yaba ku bahinzi n’aborozi, mu gihe twifuza yuko mu gihe cy’imyaka itanu, kugeza mu mwaka wa 2029, byibura twaba tugeze kuri 30% y’amatungo yose ari mu bwishingizi, 30% y’ubuso buhujwe ku bihingwa . “
Yongeraho ko muri gahunda yo kuvugurura ubuhinzi n’ubworozi(PSTA5), na gahunda ya leta y’imyaka itanu NST2 , byifujwe ko ubuhinzi bw’ibihingwa n’amatungo bwagira uruhare mu kuzamura inguzanyo zihabwa abahinzi n’aborozi, zikava kuri 6% zikajya kuri 10% , ku nguzanyo zitangwa.
Kuva iyi gahunda y’Ikigo cy’Igihugu gishinzwe Ubuhinzi n’Ubworozi (RAB SPIU), ku bufatanye na Minisiteri y’Ubuhinzi n’Ubworozi, yatangira mu mwaka wa 2019, leta imaze kunganira abahinzi kugira ngo babone ubwishingizi amafaranga angana na 5,088,4706.24 Frw.
Muri iyi gahunda, Leta itanga nkunganire ya 40%, umuhinzi akiyishyurira 60 % y’ikiguzi cy’ubwishingizi.
Kuri ubu ibihingwa bigera ku munani birimo umuceri, ibigori, ibirayi, urusenda, imiteja, soya, ibishyimbo n’imyumbati ni byo byishingirwa. Mu gihe ku bworozi harimo inka z’umukamo n’ibimasa, ingurube ’inkoko n’amafi.
UMUSEKE.RW