Ishyirahamwe ry’Ibigo by’Imari Iciriritse mu Rwanda (AMIR) riri mu bukangurambaga bugamije kwigisha ibigo by’imari n’abakiliya babyo, uburyo bwo kwirinda imyenda y’umurengera dore ko ari imwe mu ntandaro z’ibihombo byakunze kumvikana mu bigo by’imari iciriritse.
Ubu bukangurambaga buzamara ukwezi buzasozwa ku wa 15 Kanama; bwateguwe ku bufatanye n’Umuryango Transunion Rwanda, usanzwe ufasha ibigo by’imari mu kugenzura imyitwarire y’ushaka inguzanyo, harimo no kureba niba nta handi yari asanzwe ayifite kandi itarishyuwe neza cyangwa itishyurwa neza.
Ubusanzwe umuntu agira umwenda w’umurengera igihe yafashe inguzanyo irenze imwe. Akenshi abakiliya bagira imyumvire yo kwaka inguzanyo kabone n’ubwo baba bazagorwa no kuyishyura cyangwa se bakayaka mu gihe bashobora gukora ibyo bashaka mu bundi buryo, bidasabye gufata umwenda.
Ibigo by’imari na byo bigira uruhare mu kongera umwenda w’umurengera, cyane ko ibyinshi biba bidakoresha uburyo bwizewe bwo gusuzuma abashaka inguzanyo n’ubushobozi bwabo bwo kuzazishyura.
Ibi byose rero biteza ibihombo bihereye ku bakiliya bikagera no ku bigo by’imari, bikadindiza iterambere ry’igihugu muri rusange.
Ubu bukangurambaga bwa AMIR rero bugamije guhindura iyo myumvire, binyuze mu kwigisha ibigo by’imari n’abakiliya babyo ingaruka z’imyenda y’umurengera ndetse n’uko bayirinda. Ibi bizatuma imyenda y’umurengera igaragara cyane mu bigo by’imari iciriritse igabanuka, hashingiwe ku bufatanye hagati y’umukiliya n’ikigo cy’imari cye.
Umuyobozi Ushinzwe Ibikorwa muri AMIR, Jackson Kwikiriza, yavuze ko bari gukangurira abakiliya kureka imyumvire yo kumva ko bakeneye amafaranga y’umwenda.
Yagize ati “Ahubwo mbere yo gufata amafaranga, banza na we wigenzure ubwawe kuko uba wiyizi kurusha abandi bose. Ubanze kwigenzura wowe ubwawe, ukamenya ahantu ufite amadeni n’ibyo winjiza uko bingana, byatuma ugira amakenga mbere yo gufata andi amafaranga.”
Mu bihe nk’ibya Coronavirus, ibigo byinshi byabuze amafaranga yo gukoresha ibikorwa byabyo, bituma hari abashaka kwirukira mu bigo by’imari gushakayo inguzanyo, rimwe na rimwe bakabikora nta busesenguzi bwimbitse bubayeho.
AMIR ivuga ko imyitwarire nk’iyi ishobora kugusha abahabwa inguzanyo mu bihombo n’iterambere bashakaga kugeraho rigahinduka ubusa.
Kwikiriza yagize ati “Turi kugira abantu inama yo kutirukira gufata amafaranga cyane, utabanje kubona ko ufite ubushobozi bwo kuyishyura. Icyo gihe nta bwo uzaba witeza imbere, ahubwo uzisanga ya mafaranga wafashe yagusubije inyuma no ku byo wari waramaze kugeraho.”
Yanasabye ibigo by’imari gukora kinyamwuga, bigakorera mu mucyo, kugira ngo bafashe abakiliya babagana kutagwa mu kibazo cy’imyenda y’umurengera.
Yakomeje ati “Ni inshingano z’ibigo by’imari iciriritse gushyira mu bikorwa gahunda zijyana no gutanga inguzanyo mu buryo bushingiye ku bushobozi bw’abakiliya, bagendeye ku mabwiriza ikigo kigenderaho mu gutanga inguzanyo kugira ngo byaba ibigo by’imari n’abafatabuguzi birinde ibihombo bitari ngombwa.”
Ishingiye kuri iyi ngingo AMIR isaba ibigo by’imari iciriritse kurushaho gukoresha imibare itangwa na Transunion Rwanda (Credit Reference Bureau – CRB) kugira ngo izo ngaruka zose zirindwe.
Uburyo bwa CRB bufasha mu kugena amanota y’abakiliya ashingiye ku buryo bakoresheje inguzanyo bahawe.
Ku mukiliya ufite amanota meza muri CRB, ashobora kugirirwa icyizere n’ibigo by’imari mu buryo bworoshye, bikamuhesha ubushobozi bwisumbuye bwo guciririkanya mu gihe ari kwaka inguzanyo n’umubare w’amafaranga y’inguzanyo yaka ukaba wakwiyongera.
AMIR igaragaza ko kugira amanota meza ya CRB ‘ari ubutunzi kuko ibigo by’imari biba byakwizera bikakuguriza amafaranga wakwifashisha mu mishanga itandukanye ukarushaho kwiteza imbere’.
Mu bindi ubu bukangurambaga buri gusaba ibigo by’imari iciriritse, harimo “kugenzura imyenda, hagashyirwa imbaraga mu gufata ibyemezo mbere yo gutanga inguzanyo iyo ari yo yose. Agaciro k’inguzanyo kagomba gusuzumwa, kimwe n’igihombo ntarengwa ku bigo by’imari ndetse hakirindwa gushyira abakiliya mu myenda irenze ubushobozi bwabo”.
AMIR ni ishyirahamwe rihuriza hamwe ibigo by’imari bigera kuri 400 byiganjemo iby’imari iciriritse. Ribumbatiye 93% by’ibigo by’imari mu Rwanda, aho Abanyarwanda 43% by’abakoresha serivisi z’imari bakorana n’ibigo biyibarizwamo.
Kuva yatangira mu 2007, AMIR yagize uruhare rufatika mu gukorera ubuvugizi ibigo by’imari no muri politiki zafashije urwego rw’imari gutera imbere no kugira imikorere ihamye; byatumye umubare w’ibigo by’imari wiyongera, birushaho kwegera Abanyarwanda no kubaha serivisi nziza.
Ishyirahamwe ry’Ibigo by’Imari Iciriritse mu Rwanda (AMIR) ryatangije ubukangurambaga bwo kurwanya imyenda y’umurengera
