Banki Nkuru y’u Rwanda (BNR) yasobanuye ko umuntu ashobora gushyirwa ku rutonde rw’abafite imyenda itarishyurwa neza kubera kutubahiriza inshingano ze mu kwishyura, ariko ko ashobora no gukurwaho nyuma yo kwishyura umwenda no kuzuza ibisabwa.
Umukozi w’Ishami rishinzwe kugenzura Ubutajegajega bw’Urwego rw’Imari muri BNR, Hakuzwimana Alfred, yavuze ko ibigo bitanga inguzanyo n’indi myenda bihana amakuru kugira ngo bifashe buri kigo kumenya amateka y’imikoreshereze y’imari y’umukiliya mbere yo kumuha inguzanyo, ibizwi nka Credit ‘Reference Bureau (CRB)’.
Yagize ati “Iki ni ikigo gitanga amakuru ku myenda. Akenshi biriya bigo byose bitanga imyenda bigenda bihanahana amakuru kugira ngo mu gutanga inguzanyo batange inguzanyo ku bantu bizeye ko atari ba bihemu.”
Hakuzwimana yavuze ko hari impamvu zitandukanye zishobora gutuma umuntu agaragara muri CRB, zirimo gutanga sheki itazigamiye cyangwa kutishyura umwenda yahawe.
Ati “Umuntu ashobora kujya kuri uru rutonde kubera ko yatanze sheki itazigamiye, cyangwa se hari undi mwenda atarishyura. Kimwe muri ibi rero gishobora gutuma ujya muri CRB.”
Yongeyeho ko n’imyenda umuntu aba afitiye abandi batanga serivisi ishobora kugira ingaruka ku makuru ye y’imari, atanga urugero rw’umwenda w’amazi utarishyurwa.
Yagize ati “Cyangwa se ufite umwenda w’amazi utarishyura, nabwo bashobora kugushyiramo.”
Hakuzwimana yavuze ko umuntu wagiye muri CRB kubera umwenda utarishyuwe asabwa mbere na mbere kuwishyura, nyuma agategereza igihe giteganywa kugira ngo amakuru ye avugururwe kandi akurwe ku rutonde igihe ibisabwa byose byujujwe.
Ati “Iyo wagiyemo rero icyo basaba gukora mbere na mbere ni ukwishyura uwo mwenda. Iyo umaze kuwishyura, haba hari iminsi yateganyijwe y’igihano uba ugomba kumara kugira ngo ukurwe ku rutonde rwa CRB. Icyo iba igamije ni ukukwibutsa ko ubutaha utagomba kongera gukora iryo kosa.”
Yakomeje avuga ko iyo umuntu amaze kwishyura umwenda kandi akarangiza n’iminsi iteganyijwe, akurwa ku rutonde.
Hakuzwimana yavuze ko hari n’uburyo umuntu ashobora gukoresha igihe yaba yarishyuye umwenda, akarangiza igihe giteganyijwe, ariko amakuru ye ntahite avugururwa.
Yagize ati: “Iyo wishyuye ukuzuza ibisabwa ndetse n’iminsi ukayirangiza ariko ntukurwemo, wandikira BNR ikabikurikirana kugira ngo harebwe niba byose warabikoze neza.”
Yashimangiye ko umuntu utishyuye umwenda adakwiye gufata CRB nk’urutonde adashobora kuvaho, ahubwo ko iyo yishyuye kandi akuzuza ibisabwa, amakuru ye ahita avugururwa.
Yanavuze ko BNR ikora ubukangurambaga bugamije gusobanurira abaturage imikorere ya CRB, kugira ngo bamenye inshingano bafite mu micungire y’imari n’ingaruka zo kutubahiriza amasezerano y’inguzanyo.
Hakuzwimana yasabye abaturage kurushaho kumenya amakuru yabo y’imari no kubahiriza igihe cyo kwishyura imyenda bafashe, kuko amakuru ajyanye n’uko umuntu yishyura imyenda agira uruhare mu cyizere ibigo by’imari bigirira umukiliya mu gihe asaba indi nguzanyo.