BNR yavuze ku mushinga ushobora gutuma amabanki atanga inguzanyo adasabye ingwate

Banki Nkuru y’u Rwanda yatangaje ko hari umushinga uri kwigwaho, ushobora gufasha abantu bafite uburyo binjiza amafaranga kujya bahabwa inguzanyo y’amafaranga atari menshi hagendewe ku makuru y’ibyo bakora, aho kubasaba ingwate. Mu biganiro byerekeye ubukungu hagarukwa cyane ku bantu benshi bagana banki ariko abahabwa inguzanyo bagakomeza kuba bake. Ubushakashatsi bwa FinScope 2024 bwatangajwe tariki 20 Kamena 2024, bugaragaza ko Abanyarwanda 24% baka inguzanyo binyuze muri banki no mu bigo by’imari byanditse, 34% baka inguzanyo mu bigo bitanditse, 4% baguza inshuti n’abavandimwe, mu gihe abagera kuri 37% badasaba inguzanyo. Urubyiruko rwiganjemo abafite ubucuruzi buto kandi bari mu bataka kutabona inguzanyo muri za banki kubera kutagira ingwate. Guverineri Wungirije wa Banki Nkuru y’u Rwanda, Soraya Hakuziyaremye yatangaje ko hari umushinga bari gukoranaho na TransUnion ushobora kuzarangira mu mezi 12 ari imbere, ku buryo abantu bajya bahagabwa inguzanyo hadashingiwe ku ngwate. Ati “Hari umushinga dufite wo kureba ngo ese umuntu akoresheje amakuru, ufashe nk’umuntu ufite ubucuruzi buto, tukareba ibyo yagurishije mu myaka ibiri ishize, bikaba ari ibintu umuntu yashyira mu rubuga ku buryo ushobora kureba amahirwe y’uko ashobora kwishyura inguzanyo neza cyangwa yayisubiza ibyo bikaba ari amakuru yashobora gukoreshwa yizewe hanyuma bikaba byanatuma banki zishobora gutanga inguzanyo zitagombye kwaka ingwate ahubwo byagendeye kuri ayo makuru y’umuntu ugiye kwaka inguzanyo no kureba uko yagiye yishyura inguzanyo zisanzwe.” Imibare igaragaza ko inguzanyo ku bikorera mwaka wa 2020, yazamutse iva kuri miliyari 1.065,8 Frw, igera kuri miliyari 1.927 Frw mu 2023, bingana n’izamuka rya 81%. Ni mu gihe abahinzi boroherejwe kubona inguzanyo ku nyungu nto (8%) binyuze mu mushinga wo guteza imbere ubuhinzi bugamije ubucuruzi no kugabanya ibibubangamira (CDAT), aho 262 bahawe arenga miliyari 3 Frw.