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Ku wa 5 Werurwe 2021 ni bwo u Rwanda rwatangiye ibikorwa rusange byo gukingira abaturage, byahereye ku bo mu byiciro by’abafite ibyago byinshi byo kwandura nk’abaganga, abashinzwe umutekano ndetse n’abafite indwara zidakira cyane abageze mu zabukuru.

Kugeza ubu byinshi muri ibi byiciro byamaze gukingirwa ndetse n’abafite imyaka 18 kuzamura na bo batangira kwitabwaho.

Imibare ya Minisiteri y’Ubuzima yerekana ko kugeza ku wa 14 Ugushyingo 2021, abaturage 4.939.195 ari bob amaze guhabwa dose ya mbere y’urukingo rwa COVID-19 mu gihe 2.719.387 bakingiwe byuzuye.

Nubwo hashyizwe imbaraga mu bukangurambaga bwo gukingira abaturage hari bamwe batarikingiza ku mpamvu zitandukanye ahanini zishingiye ku myemerere.

Leta y’u Rwanda yo yakomeje gushyira imbaraga mu gukingira ibyiciro bitandukanye kugeza n’aho yitabaje abavuga rikumvikana kugira ngo abaturage benshi bakingirwe.

Mu bindi bihugu bifite inkingo zihagije usanga hafatwa ingamba zikakaye ku baturage batarikingiza. Nko muri Autriche hashyizweho Guma mu rugo ku batarafata inkingo, ubu ntibemerewe kuva mu nzu zabo.

Minisitiri Gatabazi yabwiye IGIHE ko umuturage afite inshingano zo kwikingiza nk’uko na Leta ifite izo gushaka inkingo.

Yagize ati “Yarazishatse [inkingo], uko zigenda ziboneka, icyiciro kigezweho kirakingirwa. Udakingiye kandi izo nkingo zihari ntakwiriye kuzaza ngo ajye mu bakingiwe abanduze cyangwa ngo abatere ibyago.’’

Yatanze urugero avuga ko niba Leta yarasabye ko abarimu bose bakingirwa hakaba hari uwinangiye, uwo adakwiye ‘kwemererwa kwigisha abanyeshuri cyangwa ngo ajye muri bagenzi be kandi atarabuze urukingo’.

Yakomeje ati “Wahitamo gufata urukingo cyangwa ukava mu bandi.’’

Minisitiri Gatabazi yavuze ko ibi ari na ko bikwiye kugenda ku bagana hoteli kuko usanga abakozi bazo barakingiwe, bityo n’uyigana agomba kuba yarafashe urukingo.

Ku bakora mu nzego za Leta, Minisitiri Gatabazi yavuze ko abakozi bose bateganyirijwe inkingo ku buryo nta wukwiye kwitwaza ko yarubuze.

Ati “Abakozi ba Leta bahawe inkingo, zirateganyijwe, zirabitse buri wese uri mu kigero cy’imyaka irenze 18, urukingo rwo kumukingira rurahari.’’

“Uyu munsi umukozi wa Leta udakingiye nta zindi mpamvu zifatika zagaragajwe yavuga ko yabujijwe nande? Ubwose wamwemerera kuza mu biro abandi bakingiye we adakingiye kandi yarahawe amahirwe yo gukingirwa. Si ukuvuga ngo birukanwe ku kazi, ni uguhitamo. Urakingirwa ujye mu bandi, ntubishaka ubavemo.’’

  Ab’i Kamembe bijujutiye kubazwa ko bikingije mbere yo kwinjira mu isoko

Bamwe mu batuye mu Karere ka Rusizi mu mpera z’ukwezi gushize bijujutiye kubuzwa kwinjira mu Isoko rya Kamembe kuko batikingije COVID-19.

Abahageze bagasubizwa inyuma bavuze ko nta nteguza bahawe n’ubuyobozi ngo bubabwire ko bizabaho, kandi ko nta n’itangazo bumvise.

Umwe yagize ati “Nta tangazo batanze ngo bavuge ko abantu batabyemerewe. Bose barabyamaganye kuko ntiyari gahunda rusange y’igihugu cyose. Ari ko bimeze wabyumva ariko kuvuga ngo abantu bamwe barifashe barabikora ntabwo aba ari byiza.”

Amakuru IGIHE yamenye ni uko icyo cyemezo cyafashwe mu gushishikariza abaturage kwikingiza.

Umwe mu baturage ati “Kuri site zo gukingiriraho abaganga birirwa bategereje abantu ntibaze. Ugasanga haje nka 10 gusa ku munsi. Kuva uwo munsi babuza abantu kwinjira mu isoko,abenshi bahise bavuga bati ‘buriya ahantu hose ni ko bigiye kugenda reka twikingize.”

Minisitiri Gatabazi yahamirije IGIHE ko iby’i Rusizi yabikurikiranye, anasobanura impamvu y’icyo cyemezo.

Yagize ati “Ntabwo babujije abantu kujya mu isoko ahubwo bazanye site yo gukingira ku isoko noneho abakingiye bakinjira, utarakingirwa akerekwa aho bari gukingira.’’

Iki gikorwa si umwihariko wa Rusizi gusa kuko no mu tundi turere duturiye imipaka hashyizwe imbaraga mu gutanga inkingo by’umwihariko ku bafite imyaka 18.

Minisitiri Gatabazi ati “Ku bw’izo mpamvu hashyizweho uburyo ku masoko no ku masantere manini abantu bashobora kuhafatira inkingo. Abaganga basigaye bimura site bakayegereza abantu ngo badakora ingendo ndende. I Kamembe naho hakingirirwaga abantu bagiye mu isoko ariko hibandwa ku batarashoboye kubona uko bakingirwa.’’

Yasobanuye ko iki cyemezo kitagamije kubuza abaturage kugera mu isoko ahubwo kigamije kumwereka no kumworohereza kubona aho kwikingiriza.

Ati “Uko bizarangira, inkingo nizimara kuboneka atari ukuvuga ngo wabuze urukingo, Leta yakubwira ngo abandi barakingiye nta mpamvu zo kwicarana na bo kandi utarakingiwe.’’

Minisiteri y’Ubuzima iherutse gutangaza ko gukingira abujuje ibisabwa mu Mujyi wa Kigali byageze ku musozo ndetse imbaraga zashyizwe mu turere.

Nubwo Guverinoma itarashyiraho itegeko ryo gukumira abatarikingije COVID-19 mu bikorwa runaka, biraca amarenga ko vuba bizaba ngombwa ko umuntu abazwa icyangombwa cy’uko yikingije.

Minisitiri w’Ubutegetsi bw’Igihugu, Gatabazi Jean Marie Vianney, yaburiye abakozi ba Leta batarakingirwa COVID-19 ko bashobora gukumirwa kugera mu kazi

Ukwakira kwa 2021 kugana ku musozo abadafite icyemezo cy’uko bikingije COVID-19 babujijwe kwinjira mu Isoko rya Kamembe, byakozwe mu bukangurambaga bwo gushishikariza benshi kwikingiza

Ibikorwa byo gukingira byakomereje mu bice bitandukanye by’igihugu nyuma y’Umujyi wa Kigali. Aha Minisitiri w’Ubuzima, Dr Ngamije Daniel yakingiraga umwe mu baturage; ari kumwe na Minisitiri w’Ubutegetsi bw’Igihugu, Gatabazi Jean Marie Vianney (hagati) na Guverineri w’Intara y’Iburengerazuba, Habitegeko François

Ikigo kimaze gushinga imizi mu kugira ubwiherero budateza ikibazo by’umwihariko ahahurira abantu benshi nko mu mashuri mu rwego rwo korohereza abayikoresha kunogerwa n’ibyo bakora.

Umuyobozi wa SATO Rwanda, Ntaganira Cyrus, yavuze ko bitewe n’umwihariko w’ubwiherero bwa SATO, abana bazabasha gutinyuka kubukoresha ndetse n’indwara zishobora guterwa n’umwanda zigakumirwa.

Yagize ati “Kuba twabashije kubatera iyi nkunga, abana bahigira bazagira ubuzima buzira umuze kubera ko za ndwara na ya masazi batazongera guhura na byo. Hano higa abana benshi, bamwe batinyaga gukoresha ya misarane yo hanze bafite impungenge ko bashobora kugwamo ariko iyi yacu umwana muto aba ashobora kuyikoresha bimworoheye.”

Ntaganira yavuze ko kugeza ubu bafite gahunda yo gushishikariza buri munyarwanda gutunga umusarane wa SATO kugira ngo hokomeze kwimakazwa umuco w’isuku no kurwanya indwara ziterwa n’umwanda.

Umunyeshuri wiga muri iri shuri mu mwaka wa gatandatu w’amashuri abanza, Kobusinge Doreen, yabwiye IGIHE ko batangiye kubona impinduka nziza kuva batangira gukoresha ubwiherero bwa SATO.

Yagize ati “Mbere wasangaga hari umwuka mubi n’amasazi bigatuma umuntu ajya mu bwiherero adatekanye ariko ubu umuntu ashimishwa no gusanga mu bwiherero hari isuku ihagije kuko byorohera buri wese. Icyo nabwira ababyeyi ni uko bakitabira kugura imisarane ya SATO kugira ngo no mu ngo iwacu tuyigire kuko ni myiza cyane.”

Umuyobozi w’ababyeyi barera muri iri shuri, Umumararungu Marie Claire, yavuze ko bagiye gukora ubukangurambaga bugamije gushishikariza n’abandi babyeyi kwitabira gukoresha ubwiherero bwa SATO.

Ati “Isuku ni isoko y’ubuzima kandi abana bizabafasha mu myigire yabo. Ibi bikorwa twabihawe n’umuterankunga ku buntu ariko kugira ngo natwe tumutere ingabo mu bitugu ni uko twagerageza kwishakamo ubushobozi bwo kugira ngo umwana nagira isuku ku kigo anayigire mu rugo.”

Kugeza ubu umwihariko w’imisarane ya SATO, ni uko ifite akugi kifunga kakifungura kagira uruhare mu kurwanya umunuko, ibinyenzi ndetse ikoresha amazi make mu kuyisukura kandi bikagira umusaruro mwiza cyane ku bana bakiri bato kuko bar ushahogutinyuka.

Ikindi ni uko imisarane ya SATO idakoreshwa mu bice by’umujyi gusa ahubwo no mu cyaro barayiyobotse kuko ijya ku musarani uko waba utinze kose.

Kuri ubu SATO fite ubwoko butatu bw’imisarani harimo bubiri bwo gusutamaho na bumwe bwo kwicaraho bufasha abageze muzabukuru n’abafite ubumuga.

Bumwe muri ubu bwiherero bugura ibihumbi umunani by’amafaranga y’u Rwanda, ubundi 12000 Frw na 15000 Frw. Iki kigo gikorera muri Ecomem Co LTD mu Gakiriro ka Gisozi ariko ibikoresho byacyo ubisanga no mu maduka acuruza ibikoresho by’ubwubatsi mu gihugu hose.

Ibigo by’amashuri biri mu by’ingenzi biri kwibandwaho na SATO mu gutanga umusanzu wo kwimakaza isuku

Ibigo by’amashuri biri mu by’ingenzi biri kwibandwaho na SATO mu gutanga umusanzu wo kwimakaza isuku

Ntaganira yavuze ko bari muri gahunda yo gushishikariza abaturararwanda gukoresha imisarane ya SATO

Uguze umusarani wa SATO ahabwa n’ijerekani ryo kwifashisha

Umusarani wa SATO uba uciye ukubiri n’amasazi ndetse n’impumuro mbi

Ababyeyi barerera ku Intwari biyemeje gutanga umusanzu wo gushishikariza bagenzi babo gukoresha ubwiherero bya SATO

Zimwe mu nshingano za SATO ni uguharanira kwimakaza isuku mu mashuri

Ugereranyije n’umubare w’abahatuye, abaza gushora imari mu Rwanda ni mbarwa, atari uko babuze ubumenyi n’ubushobozi ahubwo kubera imyumvire yaba ishingiye kuri politiki cyangwa ubwoba bw’uko imishinga yabo idashobora gutera imbere kubera ko baciwe intege n’abirirwa basebya u Rwanda.

Abatinyutse bagashora imari yabo mu gihugu cyababyaye, ubu bishimira ko hari intambwe bamaze gutera, ahubwo batinyura n’abandi bataratera iyo ntambwe.

Sosiyete ya Tomtransfers ni urugero rwiza rw’ishoramari ryinjiye mu gihugu rivuye muri Diaspora.

Iyi sosiyete imaze imyaka itatu itangiye gukorera mu Rwanda, ariko yari isanzwe ikorera mu Bubiligi. Yashinzwe na Munyaneza Thomas wari umaze igihe aba mu Burayi.

Iri mu bucuruzi burimo ubujyanye no gukodesha no kugurisha imodoka, gukodesha no kugurisha ‘apartments’, igaraje ndetse na supermarket.

Umuyobozi ushinzwe imenyekanishabikorwa muri Tomtransfers, Ngiruwonsanga Jean Damascène , yabwiye IGIHE ko kuva batangira gukorera mu Rwanda bataricuza ki cyemezo, asaba abandi Banyarwanda baba mu mahanga kwitabira gushora imari mu gihugu.

Ati “Mu 2011 Tomtransfers yakoraga ibijyanye n’ingendo zo kuvana abantu ku kibuga cy’indege cya Zaventem i Bruxelles ibajyana mu mijyi itandukanye y’i Burayi. Rwanda Day ibaye kubera impanuro n’inama Perezida wa Repubulika agira aba-diaspora tuza gushora imari mu gihugu, nawe ajya muri uwo mujyo araza ashinga iyi sosiyete mu Rwanda mu 2019.”

Iyi sosiyete yatangiye ikodesha ndetse inagurisha imodoka mu Rwanda nyuma yagura ibikorwa itangiza igaragaje ry’imodoka, ijya no mu gukodesha inzu zigezweho zizwi nka ‘Jannah’s apartments na Karatom Apartments’.

Iyi sosiyete kandi iri mu bucuruzi bwa supermarkets, aho ifite izwi nka ‘Nael’s Supermarkets’. Kuri ubu ifite supermarkets ebyiri ziherereye ku Kicukiro.

Ngiruwonsanga yavuze ko hari icyuho kinini iyi sosiyete imaze kuziba mu bijyanye n’ingendo, aho kuruhukira cyo kimwe no kugabanya ubushomeri mu rubyiruko. Ni ibintu avuga ko byaturutse ku rukundo Munyaneza yakunze igihugu agafata umwanzuro wo kuva mu Bubiligi akajya gushora imari mu Rwanda.

Ati “Abanyarwanda muri hanze, uyu ni umwanya mwiza wo kuza gushora imari mu Rwanda, aho muri ni iw’abandi. Mwikwita ku bantu navuga ngo bari muri politiki ishaje y’ibintu byahise bitari ngombwa.”

“Mwime amatwi abantu babaca intege, umwanya muto mubonye ntube umwanya wo kwiyangiza mu iterambere ahubwo muvuge muti reka tuze twubake igihugu kuko twabonye amafaranga hariya, kuko twabonye ubumenyi hariya tuze gushora imari hano.”

Hari ababa muri Diaspora bangisha abandi u Rwada

Ngiruwonsanga yavuze ko hari abantu batuye hanze, kubera amateka y’igihugu, bafitiye urwango ubuyobozi bw’u Rwanda, barangiza bakagenda baroga abandi bagatuma bataza guteza igihugu imbere.

Yagize ati “Hari umuntu ujya hariya, kubera urwango afitiye ubuyobozi cyangwa se n’ibibazo yifitiye ubwe ku giti cye, agahita ashaka kugira ngo abigire nk’aho ari rusange akagenda abiba uburozi bw’ibitekerezo bibi mu bandi. ati ‘buriya mu Rwanda nutangira gukora amafaranga yawe barayajyana n’ibindi’, ibyo ntabwo aribyo.”

“Iyo uri hanze buriya ntabwo ushobora kwikuramo amaraso y’Ubunyarwanda ngo uyajugunye, uri Umunyarwanda, bivuze ko wagira ubwenegihugu bw’ikihe gihugu, wagira gute uri Umunyarwanda mu maraso.”

Yakomeje asaba Abanyarwanda baba mu mahanga gukunda igihugu bakigira kuri Munyaneza bagashora imari mu Rwanda bakurikije ubumenyi bamaze kunguka n’abo bamaze kumenyana, bityo bakagira uruhare mu guteza imbere igihugu.

Ati “Iki gihugu ntabwo kizubakwa n’undi uwo ari wese kizubakwa n’amaboko y’Abanyarwanda, ayo maboko y’Abanyarwanda baba mu mahanga nk’ayo Munyaneza yazanye, uyu munsi akaba ari gukora ishoramari ryiza mahanga arakenewe.”

Uruhare rwa Tomtransfers mu iterambere ry’u Rwanda

Ubu sosiyete ya Tomtransfers imaze guteza imbere u Rwanda mu bikorwa bitandukanye, aho yafashije abantu bajyaga bakenera imodoka ariko badafite ubushobozi bwo kuzigura ikazibakodesha mu gihe cyose bifuza cyangwa se abantu bashaka kuzigura badafite amafaranga ahagije bakishyura igice kimwe andi bakazayishyura bayabonye.

Ngiruwonsaga yavuze ko ibi byose babitekerejeho mu rwego rwo gufasha Abanyarwanda.

Ati “Umuntu ashobora kuba adafite amafaranga yose yo kugura imodoka, akaza agatanga 70% by’imodoka ashaka akayitumiza, ako kanya icyo tumufasha duhita tumuha imodoka agendamo ku buntu. Imodoka ye yazaza na bwa bushobozi bwa 30% busigaye ugasanga yamaze kubwegeranya agahita abwishyura agatwara imodoka ye akadusubiza iyacu.”

Uretse imodoka, iyi sosiyete yanorohereje abakodesha ibyumba cyangwa inzu zo kuruhukiramo, aho umuntu ashobora kwishyura icyumba kimwe mu nzu irimo ibyumba bitandatu cyangwa bine, akaba aricyo akoresha bitabaye ngombwa kwishyura inzu yose.

Uretse ibi hari Abanyarwanda barenga 100 bamaze guhabwa akazi mu mishinga itandukanye y’ubucuruzi ikorwa na Tomtransfers, ndetse ubu bamaze kwiteza imbere ku buryo bugaragara.

Munyaneza yavuze ko Tomtransfers ifite intumbero yo gukomeza guteza imbere u Rwanda na Afurika muri rusange, aho bafite gahunda yo kuzageza ibikorwa byabo mu Turere twose tw’u Rwanda ndetse no mu bihugu bitandukanye bya Afurika ku buryo abakozi bashobora kwiyongera, abantu bakava mu bushomeri.

Inyubako nkuru itangirwamo serivisi zitandukanye za Tomtransfers iherereye mu Karere ka Kicukiro

Zimwe mu modoka zigurishwa na Tomtransfers

Iyi ni imwe muri apartments za Tomtransfers

Iyi ni ‘salon’ y’imwe mu nzu za Tomtransfers

Imodoka zabo nibo bazikorera iyo zagize ikibazo

Zimwe mu mudoka zikodeshwa na Tomtransfers

Bakanika n’izindi modoka zose si ngombwa gusa iza Tomtransfers

Mu igaraje rya Tomtransfers haba harimo ibikoresho bitandukanye byifashishwa mu gukora imodoka

Nyuma yo gukodesha no kugurisha imodoka, Tomtransfers yaguye ibikorwa itangira no gukodesha apartments

Amafoto: Nzabirinda Théoneste

Mu mpera za 2019, Isi yongeye guhura n’isanganya ry’amateka, ubwo icyorezo cya Covid-19 cyatangiraga guca ibintu hirya no hino, bikarangira kigize ingaruka zikomeye ku bukungu kuko kukirinda byasabaga guhagarika ibikorwa byari bisanzwe bikorwa mu buzima bwa buri munsi, bityo ibikorwa by’ubukungu bihinduka igitambo cyo kurengera amagara ya muntu.

Icyakora kuva na mbere ubwo ibikorwa byo gusubika imirimo byari birimbanyije hirya no hino ku Isi, bitewe n’igabanuka rya Covid-19, byari bizwi neza ko hari impinduka zikomeye zizabaho mu miterere y’ubukungu bw’Isi, yaba mu rwego rwo gutwara ibicuruzwa, imikorere ya za banki, itakazagaciro k’ifaranga, ubwiyongere bw’ubushomeri n’ibindi byinshi.

Kugira ngo leta zirinde ingaruka zikomeye z’iki cyorezo, zafashe ingamba zirimo gusubukura ibikorwa vuba na bwangu nyuma yo gutanga inkingo, ariko hanashyirwaho uburyo bwo kugoboka ibikorwa by’ubucuruzi byahungabanyijwe n’iki cyorezo.

No mu Rwanda ibi byarakozwe, aho Leta yashyizeho Ikigega Nzahurabukungu gifite agaciro karenga miliyari 300 Frw, agomba kwifashishwa mu kugoboka ibigo by’ubucuruzi byagizweho ingaruka zikomeye n’iki cyorezo.

Kimwe mu byitaweho cyane mu Rwanda, ni ugukomeza gucunga no kurinda ubusugire bw’urwego rw’imari, aho Banki Nkuru y’Igihugu (BNR) yagabanyije inyungu fatizo kuri banki zifuza inguzanyo, ndetse Leta yanashyize imari ifatika muri izi banki, kugira ngo zikomeze zigire ubushobozi bwo gukomeza imirimo yazo, cyane cyane gutanga inguzanyo.

Nta byera ngo de!

Impinduka zakozwe mu kurengera urwego rw’imari mu Rwanda, zatumye mu bihe bitandukanye abarukuriye bakomeza gutanga icyizere cy’ubusugire bwarwo ndetse ibi bigaragazwa n’uburyo rukomeje gukura muri ibi bihe igihugu kiri kwivana mu kaga cyatewe na Covid-19.

Nk’ubu Raporo y’Ikigo gikora ubushakashatsi mu bijyanye n’imiterere y’inguzanyo, TransUnion Rwanda, yagaragaje ko mu gihe cy’umwaka, kuva muri Kamena 2020 kugera muri Kamena uyu mwaka, umutungo wa banki zo mu Rwanda wazamutse ku kigero cya 20%, uva kuri miliyari 3.853 Frw, ugera kuri miliyari 4.624 Frw.

Iri zamuka ryagizwemo uruhare n’ubwiyongere bw’inguzanyo zitangwa, ndetse n’ubwiyongere bw’amafaranga abitswa muri banki, agize 80% by’umutungo wa banki zo mu Rwanda.

Inguzanyo zatswe n’abakiliya bari ku rwego mpuzamahanga nazo zatumye uyu mutungo uzamuka, mu gihe inkunga ya Leta ndetse no kugurizanya hagati ya banki ubwazo nabyo byatumye zikomeza kugira ubusugire muri ibi bihe bitari byoroshye.

Icyakora nubwo hakozwe byinshi mu gukomeza gusigasira urwego rw’imari, ingaruka z’icyorezo cya Covid-19 ku bukungu nazo ntizihwema kwigaragaza, kuko nk’ubu inguzanyo zitishyurwa neza zikomeje kuba ku gipimo kirenze igifatwa nk’igisanzwe.

Mu gihembwe cya gatatu cy’uyu mwaka, izi nguzanyo zageze kuri 6,6%, mu gihe zari kuri 5,1% mu gihembwe cya kabiri ndetse na 5,2% mu gihembwe cya mbere cy’uyu mwaka. Iki kibazo kandi gifite umurego muri banki ugereranyije n’ibigo by’imari iciriritse.

Muri banki, inguzanyo zitishyurwa neza zari ku kigero cya 7,5% mu gihembwe cya gatatu uyu mwaka, zivuye kuri 6,4% mu gihembwe cya kabiri. Mu bigo by’imari iciriritse, bisanzwe bitanga inguzanyo nto kandi zishyurwa ku nyungu nto, ikigero cy’inguzanyo zitishyurwa neza mu gihembwe cya gatatu cyageze kuri 5,2%, kivuye kuri 3,5% mu gihembwe cya kabiri cy’uyu mwaka.

Ubusanzwe, BNR iteganya ko ikigero cy’inguzanyo zitishyurwa neza kitagombwa kurenga 5%.

Banki zitangiye kwikandagira

Uretse ubwiyongere bw’inguzanyo zitishyurwa zikomeje kuzamuka kabone nubwo hashyizweho ingamba nyinshi zo gukumira icyo kibazo, ikindi kibazo gitangiye kwigaragaza ku isoko ry’imari ry’u Rwanda ni uburyo banki zitangiye kugenda biguru ntege mu gutanga inguzanyo.

Nk’ubu mu gihembwe cya gatatu cy’uyu mwaka, inguzanyo zatanzwe zagabanutseho 53,8%, ugereranyije n’igihembwe nk’icyo umwaka ushize. Muri iki gihembwe, banki zatanze inguzanyo zifite agaciro ka miliyari 193,43 Frw, ugereranyije na miliyari 418,21 Frw zari zatanzwe mu gihembwe nk’icyo mu mwaka ushize.

Mbere y’umwaduko wa Covid-19, inguzanyo zitangwa na banki zazamukaga ku kigero gishimishije, aho hagati y’Ukuboza 2018 n’Ukuboza 2019 zari zazamutse ku kigero cya 11,4%. Izamuka ry’inguzanyo zitangwa, ni ikimenyetso cy’ubwiyongere bw’ibikorwa bibyara inyungu, ari nabyo bizamuka ubukungu bw’igihugu.

Igabanuka ry’inguzanyo zitangwa rishobora gusobanurwa n’impamvu nyinshi, zirimo iy’uko ubukungu bw’u Rwanda bwari bukizanzamuka nyuma yo kugabanuka ku kigero cya 3,4% umwaka ushize, ibi bigatuma ubucuruzi n’ibikorwa bibushamikiraho bitagenda neza muri rusange, bityo bikagabanya icyizere cy’abashoramari bakabishoyemo imari.

Ibi kandi niko byagenze, kuko umubare w’abahawe inguzanyo wagabanutse, ukava ku 150.067 mu gihembwe cya gatatu cy’umwaka ushize ukagera ku 82.526 mu gihembwe cya gatatu cy’uyu mwaka.

Indi mpamvu ishobora no gushingira ku bwiyongere bw’inguzanyo zitishyurwa neza, ku buryo banki zishobora kwirinda gukomeza gusohora inguzanyo nyinshi nyamara n’izatanzwe zitari kwishyurwa neza, ibishobora kuzigusha mu bihombo bikomeye.

Kutishyurwa neza kw’inguzanyo zafashwe kandi bivuze ko amafaranga banki zitanga nk’inguzanyo nayo agabanuka cyane, bityo banki ntizishamadukire gutanga inguzanyo nyinshi kuko zidafite igishoro gihagije.

Muri rusange, inguzanyo zasabwe mu gihembwe cya gatatu cy’uyu mwaka, zagabanutseho 48,2% ugereranyije n’inguzanyo zasabwe mu gihe nk’icyo umwaka ushize.

Mu bigo by’imari iciriritse naho ibintu si shyashya, kuko umubare w’inguzanyo zatanzwe n’amafaranga yazigiyeho byose byagabanutse cyane muri iki gihembwe, ugereranyije n’icy’umwaka ushize. Hatanzwe inguzanyo zigera ku 14.191 zifite agaciro ka miliyari 19,79 Frw. Imibare iri hasi gutyo yaherukaga mu 2018.

Muri rusange, banki z’ubucuruzi zagize uruhare rungana na 72,1% by’inguzanyo zatanzwe, zitanga inguzanyo zifite agaciro ka miliyari 91,2 Frw (bingana 49,8% by’amafaranga y’inguzanyo yose yatanzwe. Izindi banki nka Banki y’Iterambere n’ibigo by’imari iciriritse, byatanze 38,5% by’agaciro k’inguzanyo zatanzwe, bingana na miliyari 74,52 Frw.

Urubyiruko rwiganje mu basaba inguzanyo nyinshi mu Rwanda, aho abavutse hagati ya 1981 kugera mu 1996 (Millennials), bagize 56,4% by’abasaba inguzanyo, bagakurikirwa n’abavutse hagati ya 1965 na 1980 (Generation X), bagize 21,5% by’abasabye inguzanyo. Abasaba inguzanyo hifashishijwe ikoranabuhanga, cyane cyane mobile money, biganje mu bavutse nyuma ya 1997 (Generation Z) basabye izingana na 68,2% by’izo basabye zose hifashishijwe mobile money.

Aba bavutse nyuma ya 1997 bafite inguzanyo zitishyurwa neza ziri ku kigero cya 7%, bigaterwa n’uko kenshi baba badafite ubumenyi ku bijyanye n’imikoreshereze y’inguzanyo ndetse n’ubumenyi bucye mu bijyanye n’imari.

Ahazaza hahatse iki?

Muri rusange, kwiyongera kw’inguzanyo zitishyurwa neza kwari kwitezwe kabone n’ubwo ibikorwa by’ubucuruzi byari bimaze gusubukurwa. BNR yagize uruhare runini mu gufasha ibigo by’ubucuruzi kuvugurura amasezerano yabyo na za banki z’ubucuruzi zabigurije, gusa nyuma y’umwaka izo ngamba zishyizweho, byinshi mu bigo by’ubucuruzi byatangiye kongera kwishyura, ariko bimwe bikagongwa n’uko ubucuruzi muri rusange butarasubira ku murongo bwahozeho, bikarangira n’ubundi kwishyura inguzanyo bigoranye.

Birumvikana ko mu gihe banki zirimo gutanga inguzanyo nke ugereranyije n’izo zatangaga mbere, kandi umubare w’abazikenera ukaba ugizwe n’urubyiruko, nta kabuza ko iki cyiciro cy’abaturage gishobora kuzakomeza kugirwaho ingaruka n’izi mpinduka, ibintu bishobora no kugira uruhare mu kongera ubushomeri mu gihugu, n’ubundi busanzwe bwiganje mu rubyiruko.

Abahanga mu by’ubukungu bemeza ko izi ngaruka zidakanganye cyane, kuko nubwo ikigero cy’inguzanyo zitishyurwa neza kiri kuzamuka, kikiri hasi ku buryo kitagira ingaruka zikomeye ku bukungu bw’igihugu muri rusange, aho izo ngaruka zatangira gutera impungenge nko mu gihe icyo kigero cyaba kimaze kurenga 10%.

Ikindi cyaba ikibazo gikomeye, ni mu gihe izi ngaruka zamara igihe kirekire, icyakora ibi ntabwo byitezwe kuko izi ngaruka zifatwa nk’iz’igihe gito, zikazagenda zigabanuka bijyanye n’uko ubukungu bw’u Rwanda n’ubwo ku rwego mpuzamahanga buzahuka.

Umuyobozi Ushinzwe Ibicuruzwa muri TransUnion muri Afurika, Samuel Tayengwa, yavuze ko muri rusange izahuka ry’ubukungu rizahita rigira ingaruka nziza ku busugire bw’urwego rw’imari mu Rwanda, ndetse ko izi mpinduka zishobora kwitegwa mu bindi bihembwe biri imbere, na cyane ko ubukungu bw’u Rwanda buzazamuka ku kigero cya 5,1% muri uyu mwaka.

Yongeyeho ko izindi mpinduka zishobora kuzihutisha ubusugire bw’urwego rw’imari, ari ikoreshwa ry’ikoranabuhanga, ati “Tuzabona ishyaka ryo gukoresha ikoranabuhanga muri banki zo mu Rwanda, bitewe n’inyota y’abakiliya bifuza serivisi zihuse. Guhererekanya amafaranga binyuze mu ikoranabuhanga bizarushaho kwiyongera kubera ihangana rya za banki, bikazatuma zirushaho gutanga serivisi zishingiye ku ikoranabuhanga.”

Abahanga mu by’ubukungu bemeza ko igisubizo kirambye kuri ibi bibazo bishobora kugira ingaruka ku rwego rw’imari mu Rwanda, ari ugukora ibishoboka byose imirimo yose igasubukurwa, kandi ibi bikazashingira ku ngano y’inkingo zimaze gutangwa, ingingo Leta y’u Rwanda iri gushyiramo imbaraga nyinshi kuko 50% by’abarengeje imyaka 18 bamaze guhabwa nibura doze imwe y’urukingo rwa Covid-19.

Urwego rw’imari mu Rwanda rukomeje guhura n’ingaruka z’icyorezo cya Covid-19, ariko byitezwe ko zizakomeza kugabanuka uko ubukungu buzamuka

Minisitiri Gatabazi asaba abajyanama kujya batumiza abayobozi bananiranye

Minisitiri Gatabazi avuga ko hari abajyanama baheruka batorwa gusa manda zabo zikarangira nta nama n’imwe bagiranye n’abaturage nk’uko byagaragaye mu masuzuma yagiye akorwa, mu gihe nyamara ngo umujyanama akwiye kwegurira umwanya we abaturage akumva ibibazo bafite kugira ngo bikorerwe ubuvugizi.

Minisitiri Gatabazi avuga ko Umuyobozi w’akarere, uw’umurenge n’uw’akagari batayobora inama Njyanama ahubwo ari zo ziyobora abo bayobozi, kandi abajayanama bafite inshingano zo kugenzura imikorere y’abayobozi kugira ngo aho bitagenda neza hashakwe umuti w’ikibazo.

Agira ati “Nimugenda mukiyicarira mukajya muvuga ngo gitifu ntakora yarananiranye, agoronome ntakora, abarimu ntabwo bigisha, izo ni zo nshingano zanyu zo kuvugira benshi badafite aho bahurira ngo bivugire. Na Perezida wa Repuburika yitaba Inteko, Minisitiri yitaba Inteko, Minisitiri w’Intebe yitaba Inteko, namwe mujye mutumiza ba gitifu badakora neza bisobanure”.

Avuga ko akamaro k’umujyanama ni ako kureba ibitagenda, nk’uko abanyamakuru basuzuma ibitagenda bakabikorera ubuvugizi kugeza ubwo abaturage basigaye babizera cyane kandi nta ngengo y’imari bagira.

Abagore 11 ni bo bahataniraga imyanya itanu y’abazahagararira abandi mu nama Njyanama y’Akarere ka Muhanga

Agira ati “Dore abaturage basigaye bazi ko abanyamakuru ari bo bakemura ibibazo byabo, kuki abaturage bazategereza ko umunyamakuru azabasanga muri Nyabinoni kubakemurira ibibazo, kandi wowe mujyanama wa Nyabinoni uhari uba umara iki?”

Avuga ko kuzuza inshingano z’Ubujyanama ari ugushyigikira imiyoborere myiza irangajwe imbere na Perezida wa Repubulika, Paul Kagame, yo gushyigikira umuturage ngo Igihugu gitere imbere.

Ubwo hatorwaga abajyanama ku rwego rw’akarere bahagarariye 30% by’abagore, umujyanama Kayitare Jacqueline, usanzwe unayobora Akarere ka Muhanga yagaragaje ko impanuro za Minisitiri w’Ubutegetsi bw’Igihugu ari ingirakamaro ku bagore bagiye guhagararira abandi mu nama Njyanama z’uturere.

Agira ati “Twarakoze muri manda ishize, kandi ibyo kubakirwaho birahari igisigaye ni ugufatanya na bagenzi bacu bazazamuka mu bajyanama rusange, icya mbere ni ugushyira imbere umuturage akazamuka kugira ngo ibyo duteganya kugeraho na we agaragaze uruhare rwe”.

Kayitare avuga ko ibyo kubakiraho byakozwe igisigaye ari ukwegera umuturage

Amatora mu bagize inama Njyanama ku rwego rw’akarere arakomeza kuri uyu wa kabiri no ku wa kane, ahazatorwa abajyanama rusange bazitoramo komite nyobozi z’uturere.

Ababyeyi bakangurirwa gushyiramo imbaraga bakabonera abana indyo yuzuye bityo bagakura neza

Mu gihe kuri uyu wa mbere tariki 15 Ugushyingo 2021, aribwo mu Rwanda hatangira icyumweru cy’ubukangurambaga bugamije kwita ku buzima bw’umubyeyi n’umwana, MINISANTE iravuga ko imibare yo ku rwego rw’igihugu yerekana ko hakiri ibibazo kubijyanye n’ubuzima bw’umubyeyi n’umwana.

Icyumweru cyahariwe kwita ku buzima bw’umubyeyi n’umwana ngo ni igisubizo kuri ibyo bibazo kuko gifasha kwegereza ibikorwa by’ubuzima umuryango nyarwanda muri rusange, hibandwa ku gutanga serivisi ku babyeyi n’abana, ku buryo iyo byibuze bikozwe kabiri mu mwaka bifasha abagiye bacikanwa na serivisi zitandukanye kuzibegereza.

Minisitiri w’Ubuzima, Dr. Daniel Ngamije, avuga ko umwihariko w’iki cyumweru ari uko bagiye ku kijyamo hari imibare yo ku rwego rw’igihugu yerekana ko hakiri ibibazo bireba ubuzima bw’umubyeyi n’umwana.

Ati “Turacyafite ababyeyi batabasha kuringaniza urubyaro nk’uko igihugu kibyifuza, kuko ubu mu gipimo cyakozwe n’ikigo cy’igihugu cy’ibarurishamibare, twasanze ababyeyi nibura 58% aribo babasha kuringaniza urubayaro bikwiriye, kandi twagombye kuba dufite umubare urenzeho. Abo ni abakoresha uburyo dukunze kwita ubwa kizungu, ariko iyo ushyizemo uburyo bwose buhari, bagera kuri 64%”.

Akomeza agira ati “Ikindi imibare yatugaragarije ko tugifite ikibazo cyo kugwingira kw’abana bafite munsi y’imyaka itanu, aho muri bo 33% twasanze bafite icyo kibazo, ndetse 8% bo bakaba bafite n’ikibazo cy’ibiro bicye, bitajyanye n’imyaka bafite cyangwa se igihagararo baba bafite”.

Ikindi ngo ni uko ababyeyi batabasha kwisuzumisha iyo batwite ku gipimo gishakwa na MINISANTE, kuko 44% gusa aribo basuzumwa nibura inshuro enye igihe batwite, bakagombye kuba byibuze hejuru y’igipimo cya 80% nk’uko byifuzwa.

Umuyobozi w’ikigo gishinzwe imikurire no kurengera umwana, Nadine Gatsinzi, avuga ko mu cyumweru cy’ubukangurambaga bwo kwita ku buzima bw’umubyeyi n’umwana hazakorwa ibikorwa bitandukanye, birimo gutanga intungamubiri za “Ongera”, gupima abana no gutanga imiti y’inzoka.

Ati “Iyo haje ibikorwa nk’ibi ngibi, bikurikirana umubyeyi ugitwite, ari umubyeyi wonsa ndetse ari n’umwana ukiri muto akaba yahabwa intungamubiri zizatangwa muri iki cyumweru zitwa “ongera”. Hari gupima abana bari munsi y’imyaka ibiri, kureba ko batagwingiye, gukora ibikorwa by’isuku n’isukura, ibyo byose bidufasha gukomeza gushyira mu bikorwa izo gahunda dukurikirana, ariko kandi bikanatwereka n’aho tugeze”.

Akomeze ati “Nko gupima abana tukareba ko batagwingiye, bidufasha kureba ese gahunda dukora zitandukanye, ari izo kubaha intungamubiri, ari izo kubaha abo mu budehe bwa mbere n’ubwa kabiri cya gikoma cya Shisha kibondo, ese koko hari icyo birimo gutanga mu buzima bw’umwana! Iyo rero apimwe bibasha kuduha ayo makuru, n’umubyeyi kumukurikirana akamenya ese umwana aramwitaho gute, gukingirwa akarindwa izo ndwara zose, guhabwa iyo miti ibarinda inzoka, kuko n’iyo yarya neza ariko arwaye inzoka zo mu nda ntacyo bimumarira”.

Icyumweru cy’ubukangurambaga bugamije kwita ku buzima bw’umubyeyi n’umwana cyangiye tariki 15 kizasozwa tariki 26 Ugushyingo 2021, kikaba gifite insanganyamatsiko igira iti “Twese hamwe duhagurukire kurandura imbasa dukingiza abana bacu, duhashya n’ibibazo bibangamiye ubuzima bwacu”.