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Inguzanyo zikabakaba miliyari 500 Frw ziri mu byago

Yanditswe na Rabbi Malo Umucunguzi
Kuya 14 May 2022 saa 07:25
Yasuwe :

Banki Nkuru y’u Rwanda (BNR) yatangaje ko ibyago byo kunanirwa kwishyura inguzanyo bikomeje kuba hejuru, ku buryo inguzanyo zikurikiranirwa hafi zageze kuri miliyari 491 Frw muri Werurwe 2022.

Kuri uyu wa Kane nibwo BNR yatangaje ibyavuye mu nama ngarukagihembwe za Komite ya Politiki y’Ifaranga na Komite ishinzwe ubutajegajega bw’urwego rw’imari.

Muri rusange inzego BNR ikurikiranira hafi nk’ubucuruzi zakomeje gutera imbere ndetse imibare yerekana ko mu gihembwe cya mbere cy’uyu mwaka, ibyo bipimo byose by’ubukungu byazamutseho 13.7%.

Gusa umubare nyawo w’uko ubukungu bwazamutse kuva muri Mutarama - Werurwe 2022 uzatangazwa n’Ikigo cy’Ibarurishamibare bitarenze Kamena.

Guverineri wa BNR, John Rwangobwa, yavuze ko nubwo ubukungu burimo kuzamuka bigatanga amahirwe yo kwishyura iguzanyo, Komite ishinzwe ukudahungabana k’urwego rw’imari yagize "impungenge ku rwego rwego rw’imyenda itishyurwa neza mu mabanki."

Imibare igaragaza ko kugeza mu mpera za Werurwe 2022, inguzanyo zari zisigaye mu cyiciro cy’izahawe igihe zishobora kumara zitishyurwa kubera ingaruka za COVID-19, zari miliyari 68,6 Frw.

Uwo mubare ungana na 2,3 ku ijana by’inguzanyo zose z’amabanki, zikaba zari zimaze kugabanuka kuko zavuye kuri miliyari 312,2 Frw, binganaga na 11.8% by’inguzanyo zose zabarwaga muri Werurwe.

Iyo mibare inerekana ko inguzanyo zitishyurwa neza (non performing loans) zagabanyutse, zigera kuri miliyari 167 Frw zivuye kuri miliyari 200 Frw.

Imibare ariko yerekana ko izonguzanyo zitagabanyijwe no kwishyurwa, ahubwo, “ahanini bitewe no kuvana mu bitabo (write off) inguzanyo zari zimaze igihe zitishyurwa, byakozwe mu 2021" nk’uko BNR ibivuga.

Ikomeza iti "Bityo, bitewe no kugabanuka kw’inguzanyo zitishyurwa neza ndetse no kwiyongera kw’inguzanyo zose muri rusange, igipimo cy’inguzanyo zitishyurwa neza cyaragabanutse kigera kuri 4,7 ku ijana muri Werurwe 2022, kivuye kuri 6,5 ku ijana cyariho muri Werurwe 2021."

Guverineri Rwangombwa yavuze ko nubwo ubwo buryo bwagabanyije inguzanyo zitishyurwa neza zikagera munsi y’igipimo ngenderwaho cya 5%, imyenda yatinze kwishyurwa hagati y’iminsi 30-60 yiyongereye.

Yakomeje ati "Yarazamutse iva ku 9% igera hafi kuri 14%, aho niho hateye impungenge. Ariko dukomeza gukorana n’amabanki kugira ngo iyi [myenda] nayo itazajya mu cyiciro cy’imyenda itishyurwa neza."

BNR igaragaza ko "ibyago byo kunanirwa kwishyura inguzanyo, biracyari hejuru".

Ikomeza iti "Inguzanyo ziri mu cyiciro cy’izikurikiranirwa hafi zifite iminsi y’ubukererwe kuva kuri 30 kugeza ku minsi 90 zariyongereye cyane, mu byiciro by’ubukungu byahungabanyijwe cyane n’icyorezo bikaba bitarazahuka neza."

"Muri Werurwe 2022, izi nguzanyo zariyongereye zigera kuri miliyari 491 Frw, zingana na 14 ku ijana by’inguzanyo zose, zivuye kuri miliyari 279 Frw muri Werurwe 2021, zingana na 9 ku ijana by’inguzanyo zose."

Bityo, hashingiwe ku buryo amabanki abona ibyago byo kunanirwa kwishyura inguzanyo ku bazifashe, iteganyirizagihombo ku nguzanyo ryiyongereyeho miliyari 16 Frw.

Ryageze kuri miliyari 175 Frw mu mpera za Werurwe 2022, rivuye kuri miliyari 159 Frw mu mpera za Werurwe 2021.

Inzu zubakwa ziri mu ziteza ibibazo

Umuyobozi Mukuru muri BNR ushinzwe ubutajegajega bw’urwego rw’imari, Peace Uwase, yavuze ko hari impamvu zitandukanye zituma inguzanyo zitishyurwa neza cyangwa izisibwa, zizamuka.

Iya mbere ni uko hari ibigo bitarabasha gusohoka mu ngaruka z’icyorezo cya COVID-19, byamaze igihe ubucuruzi bwabyo bufunze, bakananirwa kwishyura inguzanyo neza.

Yakomeje ati "Hari imishinga wenda iba itizwe neza ukabona inyungu zije nyuma zidahagije mu kwishyura izo nguzanyo, akaba ari byo bitera izamuka ry’inguzanyo zitishyurwa neza."

"Cyane cyane icyo kibazo tukakibona mu nzu zikodeshwa, inzu zo gukoreramo zikodeshwa, niho tubona cyane ibibazo by’inguzanyo, bisa n’aho byazamutse cyane mu minsi ishize."

Yavuze ko harimo kuganirwa n’inzego zitandukanye zibishizwe, harebwa uko ibyo bigo byafashwa.

Bumwe mu buryo bwarebweho ni Ikigega nzahurabukungu cyafashije ibigo bimwe, mu cyiciro cya kabiri kikazafasha ibigo biri mu bwubatsi n’ibikorerwa mu nganda.

Guverineri wa Banki Nkuru y'u Rwanda, John Rwangombwa, atangaza uko politiki y'ifaranga na politiki y'ubutajegajega bw'urwego rw'imari zihagaze

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