Banki Nyafurika Itsura Amajyambere (BAD) yatangaje gahunda yo gushora miliyoni 300 z’amadolari ya Amerika (angangana na miliyari zisaga 432 Frw) mu buhinzi bw’u Rwanda mu mwaka utaha, mu rwego rwo gushyigikira iterambere ry’uru rwego.
Ibi bibaye mu gihe iyi banki ikomeje guteza imbere imishinga y’ibikorwaremezo remezo, cyane cyane iby’ingufu, amazi, n’ubwikorezi, ariko ubu hakaba hagiye kwibandwa cyane cyane ku buhinzi.
Ibi byatangarijwe i Kigali ku wa Gatatu, tariki ya 12 Ugushyingo 2025, mu itangizwa ry’inama y’iminsi ibiri yiswe Country Portfolio Performance Review (CPPR) 2025, yateguwe ku bufatanye bwa Guverinoma y’u Rwanda na BAD. Iyi nama igamije kunoza ishyirwa mu bikorwa ry’imishinga no kongera uruhare rw’imishinga iterwa inkunga na BAD mu iterambere ry’u Rwanda.
Aissa Toure Sarr, uhagarariye BAD mu Rwanda avuga ko iyi banki ubu ishyigikira imishinga 28 iri gushyirwa mu bikorwa, aho ibikorwa remezo bigize 85% by’iyo mishinga yose.
Yavuze ko mu myaka 10 kugeza kuri 15 ishize, ibikorwa bya BAD mu Rwanda byibanze cyane ku guteza imbere ibikorwa remezo, cyane cyane mu by’amazi n’isukura, ubwikorezi ndetse n’ingufu. Imishinga y’iyi banki iri gushyirwa mu bikorwa mu Rwanda ifite agaciro ka miliyari 2.5 z’amadolari ya Amerika.
Sarr yavuze ko ishoramari rya BAD ryagize uruhare rukomeye mu guhindura isura y’ubukungu n’imibereho y’Abanyarwanda. Urwego rw’amazi n’isukura rugize 34% by’imishinga iterwa inkunga, rukurikirwa n’urw’ingufu rugize 30%, n’urw’ubwikorezi rugize 16%, mu gihe ibisigaye bigenerwa guteza imbere urwego rw’abikorera n’iterambere ry’abaturage binyuze mu bumenyi n’ubushobozi.
Aissa Toure Sarr, uhagarariye BAD mu Rwanda yavuze ko iyi Banki igiye guha u Rwanda arenga miliyari 430Rwf yo guteza imbere ubuhinzi
Yagize ati: “U Rwanda ni kimwe mu bihugu byateye intambwe ikomeye mu bijyanye no kugeza amashanyarazi ku baturage.”
Yakomeje agira ati: “Mu gihe ninjiraga muri iyi Banki hashize imyaka itageze kuri itanu, abaturage bafite amashanyarazi bari ku kigero cya 60%. Ubu turi hafi kugera kuri 85% [kubera ubufatanye bwa hafi na guverinoma].”
Yasobanuye ko inyungu z’iyi mishinga zirenga kure inzego bashoyemo.
Ati: “Guhabwa amashanyarazi bivuze ko amashuri n’ibigo by’ubucuruzi bishobora gukora neza; kubona imihanda byorohereza abantu kugera kwa muganga no ku masite y’ubuhinzi. Inyungu rero zirenga urwego twashoyemo imari.”
Mu gihe u Rwanda rufite intego y’uko buri muturage azaba afite amashanyarazi bitarenze 2029, Sarr yavuze ko gahunda iteganyijwe ari ugushyira ishoramari rishya rya BAD cyane cyane mu buhinzi no mu nganda zicuruza ibikomoka ku buhinzi, hashimangirwa uburyo bwo guteza imbere inzego zinyuranye mu buryo buboneye.
Ati: “Mu mwaka utaha, hari miliyoni 300 z’amadolari ziteganijwe mu mishinga ibiri. Umwe muri yo uzibanda ku kuhira, nk’igice cya kabiri cyangwa cya gatatu cy’umushinga munini wo kuhira ibihingwa twita Muvumba, dufite muri Nyagatare.”
Yakomeje ati: “Dufite indi mishinga minini mu buhinzi. Tuzagenda twimukira gahoro gahoro ku buhinzi no ku nganda zicuruza ibikomoka ku buhinzi.”
Yongeyeho ati: “Nanone, ntimukibagirwe ko ari uburyo buhamye bwo guteza imbere inzego nyinshi. Ibyo bivuze ko tutazava ku ishoramari ry’ibanze.”
Yashimangiye umuhate wa banki mu kwemeza ko buri faranga rishorwa igira agaciro kanini kurushaho.
Emmanuel Nuwamanya, ushinzwe by’agateganyo Ishami rya Politiki n’Igishushanyo mbonera muri Minisiteri y’Ibikorwa Remezo, yashimiye uruhare rwa BAD mu iterambere ry’u Rwanda, by’umwihariko mu gushyigikira impinduka mu bukungu n’imibereho myiza y’abaturage.
Nuwamanya yashimangiye intambwe yatewe mu ishyirwa mu bikorwa rya gahunda ya mbere yo kwihutisha iterambere (NST1), yarangiye muri Kamena 2024, ndetse na NST2 y’imyaka itanu iri imbere, asobanura uruhare rukomeye rwa BAD mu by’ingufu, amazi n’ubwikorezi.
Mu rwego rw’ingufu, yavuze ko BAD yagize uruhare rukomeye mu kwagura uburyo abaturage babona amashanyarazi. Yavuze ko, kubera inkunga y’iyo banki, u Rwanda ruri ku murongo wo kugera ku guha buri muturage amashanyarazi bitarenze 2029.
Abayobozi bagaragaje ko uburyo u Rwanda rukoresha neza inkunga ya BAD rukomeza kugirirwa icyizere n’iyi banki. Nubwo inkunga yo mu gihe cya 2026–2028 azemezwa mu mu mpera z’uyu mwaka, Sarr yavuze ko u Rwanda ruteganyijwe kwakira inkunga ya miliyoni 300 z’amadolari ku mwaka ku buryo busanzwe, ishobora kuziyongeraho izindi miliyoni 100–150.
