Umuyobozi ushinzwe imyitwarire y’urwego rw’imari muri Banki Nkuru y’U Rwanda BNR, Nsabimana Gerard arakangurira abaturage gukoresha servisi z’imari zemewe nk’amabanki, ibigo by’imari iciriritse, ubwishingizi, aho gushyira ubutunzi bwabo mu babashukisha inyungu z’umurengera.
Uyu muyobozi, ubwo yari mu kiganiro kuri Televiziyo y’u Rwanda kuri uyu wa 21 Gashyantare, yavuze ko hari abaza bihishe inyuma y’ifaranga ry’ikoranabuhanga bakambura abantu ibyabo bababwira ko hari inzira yo gukira batavunitse.
Yagize ati “Hari uburyo tubibona bigenda bikora n’ubwo bigenda bihindura isura ariko hari kimwe bihuriyeho. Ni ukwizeza abantu inyungu zidasanzwe bababwira ko bazabona amafaranga menshi cyane ugereranije n’ayo bashoye.”
Muri ibi bashukisha abantu, ngo hari ibyo bita pyramid scheme, aho uyitangije aza agasaba umuntu amafaranga, akamwizeza ko azajya amwungukira ari uko yinjije abandi bantu, nabo bakinjiza abandi, gutyo gutyo.
Urugero, ngo umuntu agomba kwinjiza abantu babiri, babiri nabo bakinjiza bane, bane bakinjiza umunani bigakomeza gutyo, buri muntu wese akagenda yungukira ku bamukurikiye.
Yagize ati “Ubwo nta bucuruzi burimo ni ukugira ngo abo wazanye ayo binjije babe ariyo baguhemba. Bityo rero, uwa nyuma kugira ngo azabone abandi nawe ahembwe biragorana. Niho umuntu yisanga yambuwe utwe.”
Nsabimana avuga ko hari aho usanga bigiye kuba nk’umutego kuko kenshi biza wagira ngo ni nk’ubucuruzi busanzwe aho bagana Ikigo cy’Igihugu cy’Iterambere-RDB, bakiyandikisha nk’ikigo cy’ubucuruzi.
Aha, ngo usanga biyandikisha nk’abakora ubucuruzi busanzwe, ariko mu by’ukuri bagamije gukora pyramid scheme. Ibyagiye bigaragara kenshi, ngo ni ibyihishe inyuma yo gucuruza imiti. Ngo usanga ari imiti idafatika bakaguha nk’akantu ngo ugende ujye ugashyira ku musego, hanyuma kazakurinda uburwayi.
Ngo ntibirangirira aho gusa kuko akubwira ngo uzane n’abandi, maze ajye akungukira, ibyo nabyo bikaba biri mu mujyo wa pyramid scheme.
Uretse ibi kandi, ngo hari n’ikitwa ponde scheme na cyo cyiza mu buryo bw’ubucuruzi, aho umuntu aza ari nk’umushoramari, agashora mu buhinzi cyangwa ubworozi, agakurura abandi bashoramari kugira ngo bashyiremo imigabane ariko akabizeza inyungu zitabaho.
Nyir’ugutangiza uyu mushinga ngo asaba abanyamigabane nka Miliyoni imwe, akizeza uyitanze ko nyuma y’amezi nk’abiri cyangwa atatu iyo Miliyoni izamuha inyungu ya Miliyoni icumi cyangwa makumyabiri.
Hano ho ngo ntabwo yirirwa asaba umuntu kuzana abandi, kuko uwo yemeje neza ko azabona inyungu ntagereranywa aba azi ko azazana abavandimwe, inshuti, abo basengana kugira ngo nabo “biyorere” amafaranga. Aha ariko naho ngo birangira bakwambuye.
Nsabimana agira ati “hano tuburira abaturage yuko ibintu biza bibashuka bibizeza inyungu z’idasanzwe babyima amatwi kuko ibigo by’imari byemewe bizwi kandi biboneka ku rubuga rwa Banki Nkuru y’u Rwanda cyangwa ku isoko ry’Imari n’Imigabane.”
Umuvugizi w’Urwego rw’igihugu rw’Ubugenzacyaha – RIB, Dr. Murangira B. Thierry, avuga kubyo bita super marketing, yasobanuye ko ari uburyo abatekamutwe bazana ibintu bya maji cyangwa ibindi binyobwa, ugasanga wenda ikintu kitarenzaga amafaranga 1000 rwf agitangira ibihumbi 10.
Agira ati “akubwira ko ngo harimo inyongeragaciro akabiguhatira akubwira ko nawe nuyigura uzayitangira ibihumbi 15 hanyuma ukibaza iyo maji irimo idasanzwe, ugasanga aragushutse nyamara iyo nyungu akubwira itazavamo ari ukugira ngo akwibe ibyawe gusa.”
Murangira yagarutse ku bindi byaha by’abaza bagurisha serivise z’ivunjisha rikorera kuri murandasi zizwi nka online forex trading, aho bakubwira ngo ushoremo amafaranga hanyuma ngo uko ibiciro by’ivunjisha bizajya bigenda bihindagurika bazajya bakungukira inyungu idasanzwe.
Umuvugizi wa RIB kandi yagarutse ku bibazo abaturage bahuye n’ubwo bwambuzi batajya babasha gusubiza aho ubaza umuntu ngo ese ujya gushora amafaranga yawe wari uzi ko uyashoye he? Wamubaza ngo icyo kigo wizeye ni icya nde ukumva ntabyo azi, ahubwo akavuga gusa ko yabibonye ku ikoranabuhanga, aho usanga ari abantu bagiye babashuka gusa babizeza ibitangaza by’inyungu zitabaho.
Umuvugizi wa RIB agira abaturage inama yo gushishoza bakajya bashora imari yabo ahantu hizewe nabo ubwabo babasha gusobanura atari ibintu biri mu kirere gusa ku buryo igihe habonetse ikibazo cyabonerwa n’igisubizo byoroshye.
Avuga ko badakeneye gusa abantu bababwira ko bambuwe amafaranga yabo, ahubwo bashaka n’abandi batangira amakuru ku gihe mbere y’uko bishora mu byo nabo batazi ngo bashaka inyungu yihuse.
Umuntu wese uhamwe n’ibyaha by’uburiganya bw’amafaranga hifashishijwe ikoranabuhanga cyangwase ubundi buryo, ahanishwa ingingo y’ 174 y’itegeko rihana ibyaha muri rusange.
Igihano cyabyo kiba ari igifungo cy’imyaka ibiri cyangwa itatu ndetse n’ihazabu ya Miliyoni kuva kuri eshatu kugera kuri eshanu.
Kuva mu 2019 kugeza 2024 hakurikiranwe amadosiye 12,178 harimo abakekwa ibihumbi 14,991.