Byatangajwe ubwo hasozwaga amahugurwa y’iminsi ibiri iyi banki ifatanyije n’Ikigo cy’Iterambere cya Amerika cya USAID, bahaga ba rwiyemezamirimo bari mu buhinzi n’ubworozi, binyuze muri gahunda y’iki kigo izwi nka Hanga Akazi.

Hanga akazi ni gahunda igamije gufasha abikorera bari mu buhinzi kubukora kinyamwuga, urwego rugatanga akazi kuri benshi, hakimakazwa ikoranabuhanga, mbese imishinga igategurwa ku buryo ibigo by’imari biyibenguka bikayiha inguzanyo nta kuzuyaza.

Nubwo kugeza uyu munsi 70% by’Abanyarwanda batuzwe n’ubuhinzi, ibigo by’imari ntibirushoramo imari cyane kuko mu nguzanyo zitangwa n’ibigo by’imari zose ubuhinzi bwihariye 6% zonyine, ibituma uru rwego rubarirwa 30% by’Umusaruro Mbumbe w’igihugu gusa.

Kuri iyi nshuro ibi bigo bibiri byari byahurije hamwe abari mu buhinzi n’ubworozi baba abahinga, abagura umusaruro bakawujyana ku masoko yo mu gihugu n’ayo ku rwego mpuzamahanga, ndetse n’abawongerera agaciro, harebwa icyakorwa ngo urwo ruhare ruzamurwe.

Bahabwaga amasomo ajyanye n’uko bakora ubucuruzi bwabo ariko bubahiriza amategeko yose agenga imari, uburyo bakorana n’ibigo by’imari bakamenya amahirwe ari muri serivisi batanga, kubereka gahunda leta yashyizeho yo kunganira uru rwego n’ibindi.

Umuyobozi Ushinzwe Ishami ry’Abucuruzi Bato muri I&M Bank Rwanda, Abijuru Christian yavuze ko bari kugerageza guteza imbere ubuhinzi n’ubworozi, ku buryo mu myaka ibiri iri imbere bazaba bageze byibuze kuri 30% by’inguzanyo batanga zose.

Ati “Ubu twaranabitangiye kuko twaberetse amasezerano dufitanye na Banki y’Igihugu y’Iterambere, BRD n’abandi bafatanyabikorwa, ibibafasha kubona inguzanyo ku giciro cyo hasi mu guteza imbere imishinga yabo.”

Iyo mishinga avuga irimo uwa CDAT [Commercialization and De-Risking for Agricultural Transformation], ugamije guteza imbere abahinzi n’aborozi, icyiciro cyawo cya mbere BRD yagenewe miliyari 15 Frw zihabwa ibigo by’imari nabyo bigatanga inguzanyo ku bahinzi ariko ku nyungu ingana na 8%.

Umuhinzi aganira na banki akorana nayo, imugurize amafaranga ku nyungu ya 8% ku mafaranga angana na 90% by’ayo yagurijwe, 10% risigaye akazaryishyura agendeye ku nguzanyo icyo kigo cy’imari gitangaho.

Uwo mushinga ujyana n’indi iyi banki iri gufatanyamo n’abafatanyabikorwa bishingira ingwate ku nguzanyo bahabwa, umushinga uzwi nka Hatana na wo iyi banki ikorana na BRD ugafasha abagurira abahinzi umusaruro kubona inguzanyo ku nyungu ya 8% n’indi.

Iyi ntego ya I&M Bank Rwanda yakiranywe na yombi na barwiyemezamirimo batandukanye aho nk’Umumyobozi w’Uruganda Shekina Enterprise rutunganya isombe rukayohereza muri Amerika, Canada, u Bubiligi no mu Bufaransa, Mbatezimana Pierre Damien avuga ko baramutse babonye inguzanyo ihagije, ibyo bakora byakwiyongera.

Kugeza uyu munsi Shekina Enterprise itunganya toni ebyiri z’isombe, Mbatezimana akavuga ko baramutse bafite ubushobozi bagura imashini zihagije ku buryo ku munsi bajya batunganya toni eshanu z’isombe cyane ko isombe ubu iba ihari ubushobozi bukaba buke.

Ati “Ubu dukeneye nk’inguzanyo ya miliyoni 300 Frw ivuye kuri miliyoni 135 Frw duhabwa ubu. Dufite uruganda runini kuko dufite abakozi bahoraho 45 n’abadahoraho 100 tugakorana n’abahinzi 2500 muri bo 90% ni abagore. Urumva ko dufite ubushobozi bwo kwishyura.”

Umuyobozi ushinzwe umushinga wa Feed the Future Rwanda, ucungwa na USAID ugamije kurwanya inzara mu gihugu, Timothy Shumaker yavuze ko ari ikibazo cyane ku buryo hari byinshi bikeneye gukorwa kugira ngo ibiva mu buhinzi bizamuke.

Ati “Mu bikenewe gukorwa harimo kwimakaza ikoranabuhanga, guteza imbere uburyo ubuhinzi bukorwamo, kongerera agaciro umusaruro, kunoza uburyo bwo kuwugeza ku isoko n’ibindi. Kugira ngo bigerweho hakenewe ubumenyi ari bwo turi gutanga ndetse n’amafaranga ahagije. Turi gufatanya na I&M Bank kugira ngo ibyo byose bigerweho.”

Kugeza uyu munsi USAID igaragaza ko ifite miliyoni 3$ (arenga miliyari 3,8 Frw) y’inkunga iri gushyira mu mishinga y’abikorera cyane cyane abari mu buhinzi, ibizafasha kuzamura iyo mishinga igategurwa ku buryo bukurura ibigo by’imari na byo bikayiha inguzanyo, bidafite ubwoba ko bishobora guhomba.

Iki kigo kandi cyiyemeje ko mu myaka itanu kuva mu 2022 kizaba cyarahanze imirimo ibihumbi 23 muri uru rwego, ndetse uruhare rugira ku musaruro mbumbe w’igihugu ukazamuka.

Ba rwiyemezamirimo bari mu buhinzi bahawe amasomo atandukanye ajyanye n'uko bagana ibigo by'imari ndetse n'uburyo bakoresha neza inguzanyo bahabwa

Juvenal Kalima ni umwe mu nzobere mu bijyanye n'ubuhinzi zari ziri guhugura ba rwiyemezamirimo bari muri uru rwego ku byo bagomba kwitaho niba bashaka kuzamura umusaruro

Umuyobozi Ushinzwe Ubucuruzi muri I&M Bank, Abijuru Christian yeretse ba rwiyemezamirimo bari mu buhinzi serivisi zitandukanye iyi banki ifite bagomba kubyaza umusaruro

Mwamikazi Queen Théonestine (hagati) ukora ibikorwa byo kugura umusaruro mu bahinzi na we akawujyana ku isoko, yahawe impamyabushobozi y'uko yitabiriye amahugurwa

Umuyobozi wa USAID-Feed the Future Rwanda, Timothy Shumaker (iburyo) n'Umuyobozi Ushinzwe Ubucuruzi muri I&M Bank, Abijuru Christian ubwo bari bakurikiye amahugurwa yahabwaga abari mu buhinzi

Umuyobozi wa USAID-Feed the Future Rwanda, Timothy Shumaker yeretse ba rwiyemezamirimo bo mu Rwanda amahirwe iki kigo gitanga mu kuzamura imishinga yo mu buhinzi

Amafoto: Nezerwa Salomon