Rwiyemezamirimo Sina Gérard yagaragaje ko gushora imari mu rwego rw’ubuhinzi bigifite imbogamizi nyinshi cyane ku buryo haramutse hashyizweho banki cyangwa ikigo cy’imari cyihariye cy’uru rwego byafasha abarubarizwamo gutera imbere no kongera umusaruro.
Ibi yabitangarije mu Kiganiro Isesengura makuru cyo Radio Rwanda kuwa Gatandatu tariki 18 Werurwe 2023, aho yari kumwe n’Umwarimu muri kaminuza akaba n’Umushakashatsi Dr Ukozehasi Célestin na ba rwiyemezamirimo Kamashazi Nolla na Nsengiyumva François.
Umwe mu myanzuro yafatiwe mu Nama y’Igihugu y’Umushyikirano ya 18 yabaye tariki 27-28 Gashyantare 2023, ni ugaruka ku ngamba zo kongera umusaruro w’ibikomoka ku buhinzi n’ubworozi.
Ni ingamba zirimo koroshya kubona inguzanyo zo guteza imbere ubuhinzi n’ubworozi, gufasha aborozi kongera umukamo, gushishikariza abahinzi n’aborozi kwitabira ubwishingizi bw’imyaka n’ubw’amatungo ndetse no gukemura ikibazo cy’udukoko n’indwara byangiza imyaka.
Sina Gérard washinze Enterprise Urwibutso ifite inganda zitunganya umusaruro w’ibikomoka ku buhinzi n’ubworozi, yavuze ko agerageza gushishikariza urubyiruko cyangwa abandi bashoramari gushora mu rwego rw’ubuhinzi bwa kinyamwuga kuko bishobora kubageza ku bukire.
Yavuze ko uretse ubuhinzi akorera ku musozi wa Nyirangarama mu Karere ka Rulindo, akorana n’abahinzi bo hirya no hino mu bice bitandukanye by’igihugu.
Ku rundi ruhande ariko, Sina Gérard avuga ko ari byiza ko abantu bakora ubuhinzi bakwiye kujya bagerageza gushaka ubumenyi binyuze mu kwiga cyangwa gushaka amahugurwa atandukanye abafasha kubikora kinyamwuga.
Ati: Ntabwo ari ukujya guhinga ari uko wabuze akazi, ahubwo ni ukumva ko iyo yagiye guhinga ari akazi nk’akandi gateza abantu imbere..
Yakomeje agira ati “Iyo wize neza umushinga ubona igishoro, ashobora kuba ari inguzanyo ya banki n’ubwo amabanki atarabasha kumenya gushora mu buhinzi […] nawe ushobora kwitera inkunga, ugashaka ubwo bushobozi bwo gushora mu buhinzi bwawe.”
Hakenewe banki yihariye y’ubuhinzi
Sina Gérard yavuze ko kugira ngo ubuhinzi burusheho gutezwa imbere, hakenewe banki yihariye igenewe urwo rwego.
Sina Gérard ati “Banki ziguriza abifite, iyo bagiye kwaka ingwate y’amazu cyangwa indi mitungo, biba bivuze ko ari abifite aribo banki ziguriza. Ntabwo banki ndayibona neza mu buhinzi.”
Yavuze ko yakoze ubushakashatsi ku buhinzi bw’imizabibu ndetse na za makadamiya, ku buryo bushobora kumara igihe kirere cyane, ibintu banki itakwihanganira kuko nayo iba iri gukora ubucuruzi.
Ati “Amafaranga baduha ni uko bayaguha usanzwe ufite indi mitungo, ukaka amafaranga n’ahandi ugashyiramo. Ariko muby’ukuri […]kugira ngo banki ishore mu buhinzi yumve neza ko yazamura umuhinzi akeza akayishyura ntabwo biragerwaho neza, biracyari imbogamizi.”
“Kuko ntabwo wakomera banki mutajyana mu rwego rw’ubukungu. Ndumva banashishikariza bakatwereka bati, banki ni iyi koko ni iy’ubuhinzi, ukayereka umushinga ugiyemo ikaguha amafaranga. Nayo ikizera igasesengura.”
Sina Gérard we avuga ko gushora imari mu buhinzi ari ukuba mutarambirwa ndetse ukaba ufite umutima ukomeye.
Ati “Niyo mpamvu kenshi mu barwayi b’imitima badakunze kuboneka mu buhinzi. Mu buhinzi ni ugutuza, ugashoramo imari, ugategereza. Ifaranga ryo mu buhinzi ritandukanye n’uko wakwaka amafaranga muri banki ugafata indege ukajya Dubai cyangwa mu Bushinwa, ukarangura ukaza ugacuruza, ukishyura inguzanyo.”
“Ubuhinzi bugira igihe, inguzanyo wafashe batangira kukwishyuza n’umusaruro utaratangira kuboneka. Akaba ari nayo mpamvu hakwiye kuboneka banki, izwi neza ku izina ry’uko ari banki ifasha abahinzi, ikorana n’abahinzi nk’uko SACCO izwi ko ikorana n’abarimu.”
Dr Ukozehasi avuga ko banki zakabaye zumva ko kuguriza abahinzi amafaranga ari nk’uko baguriza abandi bantu kuko ubuhinzi nabwo bwunguka.
Ati “Icyo bamenya ni uko ubuhinzi n’ubworozi ari ikintu cyunguka, niba batanze inguzanyo ku buhinzi n’ubworozi […] nta mpamvu batakunguka ni nako n’abandi bateye imbere.”
Mu Nama y’Igihugu y’Umushyikirano ya 18 , Minisitiri w’Ubuhinzi n’Ubworozi, Dr Musafiri Ildephonse [icyo gihe yari akiri Umunyamabanga wa Leta muri iyi minisiteri] yavuze ko kugira ngo u Rwanda rwihaze mu biribwa, hakenewe gushyirwa imbaraga muri gahunda zigamije kongera umusaruro.
Zirimo kongera ubuso bwuhirwa, kongera gahunda zigamije gufasha umuhinzi kubona inyongeramusaruro mu buryo bworoshye kandi buhendutse, gufata neza umusaruro w’ubuhinzi n’ubworozi, kwegera abahinzi n’aborozi, kuborohereza kubona inguzanyo n’ubwishingizi.
