Ubukungu bw’isi ubu buhagaze neza, n’ubw’u Rwanda ni uko – BNR

Abo twabajije ntibabibona 
Abaka inguzanyo banki bagabanutseho 50%

Banki Nkuru y’u Rwanda yabwiye Inteko Ishinga Amategeko ko ubukungu bw’u Rwanda buhagaze neza kuri uyu musozo w’umwaka tuganaho. Ivuga ko ingano y’ibyoherezwa mu mahanga bikinjiza amadevize yiyongereye ku kigero cya 57% naho ibitumizwa yo byo bikagabanuka.

Guverineri Rwangombwa abwira Inteko raporo y'ibikorwa bya BNR bya 2017:18
Guverineri Rwangombwa abwira Inteko raporo y’ibikorwa bya BNR bya 2017:18

Banki Nkuru y’igihugu yari inshuro ya mbere igejeje ku Nteko (imitwe yombi) raporo y’ibikorwa byayo by’umwaka (2017/18), Guverineri w’iyi Banki John Rwangombwa yavuze ko uko ubukungu bw’isi buhagaze bigira ingaruka ku bw’u Rwanda by’umwihariko.

Yavuze ko uyu mwaka uri gusoza ibihugu byinshi ubukungu bwabyo buhagaze neza, n’u Rwanda ngo ni uko kuko mu nzego zinyuranye, nk’ubuhinzi bwazamutse ku gipimo cya 8,2% buvuye kuri 3,2.

Inganda zazamuye ubukungu bwazo kuri 8,5% zivuye kuri 1,9% umwaka ushize, ibi ngo ni ukubera umusaruro munini mu bucukuzi (+23%), amashanyarazi (+10%), gukora ibikoresho (manufacturing) n’ubwubatsi.

Urwego rwo gutanga Servisi narwo rwazamutse ku kigero cya 9,7% kivuye kuri 5,4% umwaka ushize, ahanini kubera iterambere mu bwikorezi, amabanki n’ubucuruzi bugari buranguza na takataka (detail).

Rwangombwa ati “ibi byatumye ibyoherezwa hanze bizamuka naho ibitumizwayo biragabanuka  ku buryo bugaragara”

Abatuye mu mugi wa Kigali bamwe baganiriye n’Umuseke ku bukungu uko buhagaze mu mibereho yabo bavuga ko kuri bo babona nta gihinduka cyane kubyo binjiza n’uko ibiciro ku isoko bihagaze.

Boniface Twagirayezu ukorera ku isoko rya Kicukiro (Zinia) ati “nta kidasanzwe mbona, abakiliya banjye nibabandi, ubushobozi bwabo bwo guhaha ni bwabundi, yenda nongereye umubare wabo ariko imihahire yabo sinavuga ko bakize bakaba ubu bagura byinshi.”

Colette Kamariza wo mu kagari ka Kabeza Umurenge wa Kanombe avuga ko kuri we atabona uko ubukungu buhagaze neza ageraranyije n’umwaka ushize.

Ati “Yenda abacuruzi n’abakire nibo babibona ugende ubabaze, njye umushahara wanjye ntiwahindutse, hari ibyo naguraga byazamuye igiciro, abafite imodoka numva nabo barira ngo essence yarazamutse. Sinahamya rero ko ubukungu ubu buhagaze neza.”

 

Inguzanyo zaragabanutse

Muri raporo ya murikiwe abagize Inteko Inshinga Amategeko igaragazako igipimo cy’abanyarwanda baka inguzanyo muri za banki cyavuye kuri 14% kikagera kuri 7%.

Abagize Inteko bavuze ko biterwa n’inyungu iri hejuru icibwa abasaba inguzanyo muri Banki.

Hon Niyongana Gallican ati “iyo  amabanki y’ibihugu byateye imbere inyungu ku nguzanyo ari 4% cyangwa 3%  hano bikaba biri hejuru cyane na  risks,  twabigabanya gute kugiranga abantu batinyuke gufata imyenda?”

Guverineri Rwangombwa avuga ko kutishyura neza ariyo ntandaro,hakiyongeraho n’akazi gahenze ka banki cyane akajyanye n’ikoranabuhanga.

Ati “imyenda yishyurwa nabi nayo iza mu gihombo cya banki. Hari ibigo hano tuzi bihabwa inguzanyo bikishyura ku rw’unguko rwa 12% kuko bank ziba zibizeye ko amafaranga babahaye bayishyura uko bayahawe.

Guv. Rrwangombwa avuga ko abanyarwanda bagomba kugira umuco wo kwishyura neza banki kuko biziteza igihombo bityo nazo ntizizere abazigana maze inyungu ku nguzanyo zikayizamura.

Ati “nk’ubu muri uyu mwaka Miliyari 65 zahanaguwe  mu bitabo by’amabanki kugira ngo imibare y’inguzanyo zitishyurwa neza igabanuke, nubwo bitazabuza abayatse kuyishyura.”

Avuga ahajya inyeenda myinshi ari mu mahotel no kubaka inzu z’amagorofa mu mugi aho mu mwaka wa 2017-2018 basanze zimaze kuba nyinshi amabanki atangira kugabanya gushyira amafranga muri iyi mishinga.

Rwangombwa ati “kuko ‘supply’ yari imaze kurusha imbaraga ‘demand’ y’inguzanyo,  nibyo byatumye bigenda gahoro mu gutanga imyenda mu mabanki ku bikorera.”

Kwishyurana kw’abantu nabyo ngo bigiye kurushaho gushyirwamo ikoranabuhanga kandi bishyirwe ku giciro gito hatezwa imbere ‘cashless economy’.

Josiane UWANYIRIGIRA
UM– USEKE.RW

0 Igitekerezo

  • Ubukungu bw’isi uyu mugabo atubwira niyihe si avuga? Ko nabashinwa umuvuduko wagabanutse? Abobita jilet jaune bâti kumenagura Ubuntu mûri europe kubera ubukene bubugalije nonengo Ubuntu bimeze nziza kwisi?

    • Wowe shyiramo agatege ubanze umenye kwandika ururimi rwawe, iby’ubukungu uzabisobanukirwa bitinze!!!

  • Nibyo rwose n’ubukungu bw’u Rwanda buhagaze neza. Nta kibazo cy’imibereho Rwangombwa cyangwa undi munyabubasha wese bafite.

  • Uwo bazajya bavuga ko ubukungu bw’u Rwanda buhagaze neza, akumva atari byo kubera ko yugarijwe n’ubukene, bukaba bunugarije abandi bagenzi be azi neza, ajye ahita amenya ko ubukene bwabo budahangayikishije abavuga ko tumerewe neza, ko batari mu bagomba kuva mu bukene kugira ubukungu bw’u Rwanda rumererwe neza, maze bashyire ubwenge ku gihe birwarize, barekere aho gutakambira abababwira ko ubukene mu gihugu buri hafi kurandukana n’imizi yabwo, kandi iwabo rukinga babiri.

  • Ayo majanisha meza, ntavanaho ko ibiciro ku masoko bitumbagira ubutitsa kandi imishahara itava aho iri, usibye iya na nyahubahwa. Ntavanaho ko Leta igabanya umwaka ku wundi amafranga igenera uburezi bw’abana bato bo mu mashuri abanza n’ayisumbuye ariko inongera atangwa n’abanyeshurimuri za kaminuza. Ntavanaho ko abashomeri biyongera umwaka ku wundi uko ibihumbi by’abize barangiza amashuri baza ku isoko nta kazi. Ntavanaho monopoles zituzonze, zashyize ubukungu bw’igihugu mu maboko y’abo birirwa batubwira ko twese tumerewe neza cyane

  • Rwangombwa ati “kuko supply yari imaze kurusha imbaraga demand y’inguzanyo, nibyo byatumye bigenda gahoro mu gutanga imyenda mu mabanki ku bikorera.”…Uyu mugabo abeshya kubi! Ntabwo supply y’ inguzayo iruse demand y’inguzayo aribyo byatuma inyungu isabwa izamuka ahubwo byatuma igabanuka. Ni uko nyine ubwira abatabasha kumva neza, batatinyuka no kukubaza.

    Ikindi uravuga ko ikoranabuhanga banks zikoresha ariryo rituma inyungu zisaba ijya hejuru (18~24%) ariko ntusobanura neza uburyo iryo koranabuhanga rituma izamuka.

    Ese ni computers zikoreshwamo zihenze ko tuzi ko Leta yazivaniyeho imisoro ?

    Ese ni comunicataion infrastructure ko tuzi ko Leta yafashe imisoro yacu ikayishyira muri Fibre optiques n’ubwo yahise iyegurira abanyamahanga ?

    Ese ntibyaba wenda ari kiriya kigo gicunga SWITCH za ATM nacyo mweguriye abanyamahanga n’abandi ntavuze?

    Ese byaba ari abakozi mu ikorananbuhanga bakeya kandi tuzi ko leta kuva muri 2001 yagiye yohereza abana kwiga muri USA, ubu ikaba yaranazanye Carnegie Mellon hafi yacu?

    Mu by’ukuri ikibazo cy’ikoranabuhanga uvuga ni ikihe, niba services zimwe na zimwe zisigaye zikorerwa kuri telephones z’abantu ku giti cyabo, ni gute Airtel cg MTN byazamura cost ku buryo inguzanyo hame na ahamwe usanga ziri kuri 24% ?

    Ese ko mu myaka ya 2012 ishize inyungu ku nguzanyo yari 14% twavuga ko aribwo ikoranabuhanga ryari rihendutse ?

    Ibintu ni 2 :

    1. Politiquea zawe muri BNR na MINIECOFIN zipfuye nizo zituma abantu badashobora kugera ku frw, akaguma hejuru mu gatsiko gato cyane gusa, ibi kandi bigira ingaruka (cyamunara zirabyerekana)
    2. Politique y’ubukungu n’ifaranga ntayo wumva.

    • Ubutaha nzatora Nyiramaliza Juliet.Nanjye upacapaca mu mibare nsobanukiweho gato. Iyo isi yose iri kurira ko ubukungu bwahungabanye bitewe nikihebe Trump OMC,FMI, Oil byose bitizeye uko ejo hazamera nka cya kiganiro cya kera ngo Ejo nzamera nte? Aryoha asubiwemo numvise minister ejobundi abwira abasore ngo gudashobora gukwa umukobwa ngo nta gisebo kirimo ngo ababyeyi bagombye korohereza abana ngo barongore.Ibyo sibwo bwa mbere mbyumva iyo Ejo nzamera nte nicyo kibazo yibandagaho buri cyumweru. Nigarukiye ku mibare rero.Mwalimu uhembwa ibihumbi 45. Moto yategaga kera kuri 500frw ubu ni 1500frw.Bamwise gakweto kubera iki kandi kera yari mu bantu bubashwye aho yabaga atuye mu giturage? yagishwaga inama, ubu bose iyo atambutse baramukwena.Uyu Rwangombwa aba mu Rwanda harya? Ayje asohoka afate akuka iyo za Nyamasheke,mu Bugoyi no mu Bufundu ajye kureba amazi abantu banywa uko ameze nyuma aze kutubwira imibare nyuma.Njyewe mfite inzozi zo kuzasoma igitabo cy’amateka y’u Rwanda, aho bazatondagura ubutegetsi uko bwagiye busimburana n’icyo bwakoze.

  • Abantu mubyumva neza ,mwamfasha kumenya ukuntu gukoresha ikoranabuhanga rituma service zihenda ,njye numvaga ahubwo zarushaho guhenduka

  • Muracyabona ibyo muvuga ku ngingo nk’izi?

  • Iryo koranabuhanga rihendesha umuturage Nanjye sinjya numva icyo ryaje gucyemura!

  • mumfashe kumva ukuntu ubukungu bwiyongera mu gihe abasaba inguzanyo bagabanutse 2 n’abatishyura inguzanyo bakiyongera

  • Nubwo Rwangombwa azi neza ko ibyo nawe arikuvuga atari ukuri ariko izi ntumwa za Rubanda nazo abwira birasekeje kuba ntanumwe wamubajije ukuntu ikoranabuhanga rizamura inyungu ku nguzanyo? Nonese ko imashini ikora ibyo aba Teller nkabatanu bari gukora nigute yongera Cost kandi ya mishahara yabo ihita ivaho/? Ikindi ngo ubukungu ngo bwifashe neza byahe byo kajya niba urubyiruko rw’abashomeri rwirirwa rugirwa inama yo kwihangira imirimo nta gishoro umuntu akamara imyaka 5 ntana 10,000 Frw yinjiza kukwezi ubwo ubukungu bwifashe neza. Cyakoze nniba avuba ba nyiri Crystal Ventures, BK, Rwanda AIr nabandi bake bujuje imiturirwa muri Kigali aho nisawa kbsa. Gusa igitangaje nuko abo yaaba avugira batanagera kuri 2% byabanyarwanda bose. Le ridicule ne tues pas gusa gukomeza gutekinika bizatworekera igihugu kugezaho umuntu azajya yibeshya nawe ubwe.

  • Ubanza kubera gutumirwa kenshi mu nama za G20 twarageze aho tukibwira ko ubukungu bwacu bwageze ku rwego rwa bariya bantu. Kwirarira biragwira! Kandi nabo ntiboroshye, iyo tubabwiye ko tumeze neza, badukomera amashyi, bakadukura ku rutonde rw’abo baha imfashanyo z’abugarijwe n’ubukene. Ubanza abayobozi bacu ari cyo baba bashaka ahari!!

    • ntitwibeshye,”bariya bantu” baba bazi neza situation ya za puppet states zabo; gusa barajijisha bagakoma amashyi kuko baba bacyeneye kuyobya uburari no gusahurira munduru mubufatanye bw”ibikoresho byabo.na ziriya “mfashanyo” batanga(mubyukuli ziba zatuvuyemo), ntabwo zigamije guteza imbere abantu cyangwase ntabwo ab’arizi mpuwhe,ahubwo ziba zifite uruhare rwazo(ni birebire kubisobanura) mu kunyunyuza kolony zabo.

  • Ariko nawe ujya kugaya inseko y’urushishi ujye ubanza urebe akanwa iturukamo. Bariya bagore bose bicaye hariya nta notion ya economie bafite, bamwe nta universite bize, abandi bayize ikigoroba amasaha 3, abayize full time bamwe ntibari barize secondaire, abandi ntibai uburyo bageze muri uruiya mwanya kuri bo ni inzozi…ubwo se wowe urumva bamubaza iki, ntayco biyumvira ? Gusa uyu mugabo we na Gatete bafite tekinike mu maraso yabo, ni uko Gatete we ashyiramo kwicisha bugufi ariko bombi ni bamwe !

    Njywe si ndi economiste, ndi umuturage usanzwe ucuruza boutique n’utundi tuntu hano muri Muhanga, natangiye gukorana na bank no gukurikirana uburyo ubukungu bwacu bugenda buhinduka guhera 2004, dore bimwe mubyo nkeka Rwangombwa yirinda kuvuga kandi bikaba aribyo bitera guhenda kw’inguzanyo

    1. Infaltion iri hejuru. Igihe twari dufite infalstion ya 2.4, icyo gihe inguzanyo yari kuri 12% cg 14%, byagiye bihuzamuka uko inflation yazamukaga. Ndibuka ko igihe iba 4,6% kandi bari barateganyije 2,6% uyu mugabo yaratunguwe. Guhera ubwo ntiyongeye kuyisubiza hasi. Ibi binagaragzwa n’uburyo ifaranga ryataye agaciro muri iyi myaka 4 ishize. Muri 2014 idolars ryari 702, uyu munsi riri muri 890. (hafi 50 buri mwaka, ni menshi)

    2. Kuba Leta ikoresha Frw menshi kandi iyagujije biri mubitera inguzanyo guhenda.

    3. Kuba Frw banques ziguriza abantu amenshi ziyakura mu bigo by’ishoramari (kandi bene ayo frw aba ahenze cyane) aho kuyavana ku yabikijwe muri aba clients bazo.

    4. Kuba monetary na fiscal policies za Leta zikoze ku buryo bigomba kumera butyo (nibutse ko ejobundi Pressident wa Kenya we yategetse ko ko interet ijya kuri 4%)

    5. Kuba ubukungu bujegajega noneho leta ntibe yemerewe gukora Frw menshi ahagije ngo abe ahari.

    6. Kuba ba nyiri banques bashaka kubona inyungu iri hejuru cyane (iki kirakomeye cyane, kuko urebye uburyo banques ziyongereye mu Rwanda mu myaka 10 ishize, ukareba uburyo banques zari zisanzweho zagiye zihabwa abanyamahanga n’izindi zazanywe n’abo banyamahanga, byerekana ko iyi secteur irimo inyungu ikomeye. Inyungu rero nta handi banques ziyikura uretse mu kuguriza frw cg se guca frw kuri services batanga nko kubitsa, gukoresha ATM cg Mobile Money, ubu uko itegeko rya RDB rimeze rivuga ko abanyamahanga bemerwe guterura urwunguko rwose babonye mu madollars bakohereza mu bihugu byabo.

    Ibi byose bifite uruhare mu kuba inyungu isabwa ku nguzanyo iri hejuru cyane, abanyarwanda benshi ntibabshe kubona frw yo gushora mu bikorwa byabo ahubwo akigumira mu bantu bamwe bo hejuru begereye ishyaka ritegeka; abayabonye nabo bakabishoramo ibyo bakoze bikabura abaguzi bigatezwa cyamunara.

    Hakwiye abandi bantu bo gutekereza economie yindi itari iyi duhatirwa na Rwangombwa afatanyije na World Bank na FMI.

  • Njyewe nshimishijwe no kuzasoma igitabo abantu bazandika batondagura ingoma zayomoye u Rwanda. Kuva 1830 kugeza 2018.

  • Rwangombwa as an accountant yari kureka Kigabo cg Wa mudame umwungirije kuko ibi bari kubisobanura neza kuko we ni contradiction hano ndi kubona ikoranabuhanga ahubwo ni solution mu kugabanya costs.

  • Njyewe nemera abantu bavuga ibyo bazahagararaho kugeza kera….abana babo bakazavuga bati burya Papa yari umugabo nta pfunwe ngira ryo kuba nitwa mwene Kanaka. Icyo nicyo gikuru.

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