Banki Nkuru y’u Rwanda (BNR) yavuze ko inyungu ku nguzanyo zitagomba gufatwa nk’iziri hejuru cyane ugereranyije n’ibiciro by’amafaranga amabanki akoresha mu gutanga izo nguzanyo, ishimangira ko amafaranga abaturage babitsa muri banki ari imwe mu nkingi z’ingenzi zituma amabanki abasha gutanga inguzanyo.
Umukozi w’Ishami rishinzwe kugenzura Ubutajegajega bw’Urwego rw’Imari muri BNR, Hakuzwimana Alfred, yabwiye Televiziyo y’igihugu ko u Rwanda rufite ibiciro by’inguzanyo bito ugererenyaji n’ibihigu by’ibituranyi.
Yagize ati “Tubirebye neza ntabwo twashimangira ko inguzanyo zihenze cyane. Akenshi iyo ugereranyije n’ibindi bihugu by’ibituranyi, dusanga uko ibiciro by’inguzanyo bihagaze inaha biri hasi, ntabwo rero mu Rwanda ari ho ibiciro by’inguzanyo biri hejuru cyane kuko hari ibindi bihugu biri hejuru kuturenza.”
Hakuzwimana yasobanuye ko igiciro cy’inguzanyo gishingira ku mpamvu zitandukanye, ariko imwe mu z’ingenzi ari ikiguzi banki iba yaratanze kugira ngo ibone amafaranga igiye gutiza abakiliya.
Yagize ati “Akenshi ibiciro by’ikintu bishyirwaho bitewe n’impamvu nyinshi. By’umwihariko ku nguzanyo, banki kugira ngo ishyireho igiciro igendera ku mafaranga iba yabonye, kuko igice kinini cy’inguzanyo banki itanga kiva muri ya mafaranga abaturage baba babikije.”
Yavuze ko mu gihe impuzandengo y’inyungu amabanki atanga ku mafaranga abaturage babitsa yari hafi 9% mu myaka itatu ishize, ubu amabanki atanga inguzanyo ku mpuzandengo iri hafi ya 15.1%, bivuze ko hari ikinyuranyo kigomba gufasha banki kwishyura ibindi bikorwa byayo.
Hakuzwimana yavuze ko muri icyo kinyuranyo harimo amafaranga akoreshwa mu guhemba abakozi, ishoramari mu ikoranabuhanga no kurinda amabanki ibitero by’ikoranabuhanga, gutanga imisoro ndetse no kubona inyungu ku bafite imigabane muri banki.
Ati “Urumva ikinyuranyo kirimo ahongaho, wenda tukigire 5.5%, ni cyo kigomba kuvamo amafaranga ahemba abakozi, kivemo rya shoramari bakora mu ikoranabuhanga kugira ngo bakumire bino bitero by’ikoranabuhanga, batange serivisi nziza kandi zihuse, batange imisoro, banabonemo urwunguko ku bafite imigabane muri banki.”
Nubwo Hakuzwimana yavuze ko inyungu ku nguzanyo zidakwiye gufatwa nk’izihenze cyane, yavuze ko hari icyerekezo cy’uko uko abaturage barushaho gukoresha serivisi z’imari ndetse amabanki akagenda abona abakiliya benshi, ibiciro by’inguzanyo bishobora gukomeza kugabanuka mu buryo burambye.
Yatanze urugero rw’uko mu myaka ya 2000 impuzandengo y’inyungu ku nguzanyo yari hafi 17%, mu gihe ubu iri hafi ya 15%, ashimangira ko hari impinduka zabayeho mu gihe serivisi z’imari zakomeje kwitabirwa.
Yagize ati “Urebye nko mu bihumbi 2000 twari turi kuri 17%, ariko ubu turi kuri 15%, tukabona yuko uko abantu bagenda bitabira inguzanyo zizakomeza kugenda zirushaho guhinduka mu buryo burambye.”
Amakuru ya BNR agaragaza ko impuzandengo y’inyungu ku nguzanyo yagabanutse mu myaka ya vuba. Raporo y’umwaka w’imari wa 2024/25 igaragaza ko mu gihembwe cya kabiri cya 2025 yari 15.97%, ugereranyije na 16.25% mu gihembwe cya kane cya 2024.