Mu Rwanda kwitabira ubwishingizi bw’ibikorwa by’ubucuruzi biracyari hasi cyane

Mu Rwanda kwitabira ubwishingizi bw’ibikorwa by’ubucuruzi biracyari hasi cyane ku buryo bitagera no kuri 3%. Banki Nkuru y’u Rwanda isanga ibi ari ikibazo gikomeye kuko byasubiza inyuma cyangwa bigahombya burundu abakora ishoramari.

Bamwe mu bacuruzi batandukanye bo mu Mujyi wa Kigali n’abafite inzu zikorerwamo ubucuruzi baravuga ko kwitabira ubwishingizi bw’ibikorwa byabo ari ingenzi n’ubwo hamwe na hamwe hataburamo imbogamizi mu mikoranire yabo n’ibigo by’ubwishingizi byo mu Rwanda, zirimo ko kutishyurwa neza kandi ku gihe, iyo bahuye n’impanuka.

Nkurunziza Emmanuel avuga ko amasosiyete y’ubwishingizi adakunze kwishyura neza abakiriya babo bigaca abandi intege zo kuayagana.

Yagize ati ’’Iyo ugiye gufata ubwishingizi rimwe na rimwe babuguha bihuse n’ama-company agerageza kutwegera tukavugana nayo ariko wagira ikibazo igihe cyo kukwishyura bikaba ingorabahizi company zacu z’ubwishingizi ntabwo zibasha kwishyura abantu neza, usanga ari yo mpamvu abantu batitabira ubwishingizi cyane.’’

Umuyobozi Mukuru wa CHIC, Mazimpaka Olivier avuga ko kudafata ubwishingizi bw’ibicuruzwa usanga binaterwa n’imyumvire ya bamwe.

Ati “Ku rwego rwacu mbona bihari ku buryo bushimishije kuko ntiturabaho tudafite ubwishingizi ariko ugiye kuri buri mukiriya wasanga hari abadashinganisha ibintu byabo. Nkeka ko ari ikibazo cy’imyumvire, amafaranga y’ubwishingizi iyo utaragira impanuka uba uyabona nk’uyahomba, n’iyo ugiye mu bwishingizi bw’imodoka, inzu zisanzwe iyo igihe kirangiye washinganishije utagize impanuka uba wumva wayahombye, ariko inyungu zayo uzibona iyo ugize ikibazo cyangwa se nk’impanuka… Nkibaza ko hakenewe ubundi bukangurambaga cyane.’’

Umunyamabanga Nshingwabikorwa wIishyirahamwe ry’abishingizi mu Rwanda ASSAR, Majoro Jean Pierre, yemeza ko ubwitabire buri ku kigero cyo hasi bitewe n’uko abaturage bataramenya akamaro ka bwo, nyamara harimo n’ubwishingizi budahenze.

Yagize ati ’’Mu by’ukuri ntabwo bihagaze neza, hari benshi batazi ubwishingizi n’akamaro kabwo. Oya ni ukutamenya nk’ubu assurance y’inkongi y’umuriro ni yo ihendutse bishoboka, uriha ifaranga 1 kuri valeur y’igihumbi, urumva ko iraciriritse, ariko kutitabira ni uko baba batabizi, ntabwo ari uko ihenze ahubwo ni uko badasobanukiwe.’’

Impuguke mu bukungu akaba n’umwarimu muri Kaminuza Dr Ignace Kabano, asobanura ko kutitabira ubwishingizi bw’ibyo abantu bakora bibahombya ndetse bikagira n’ingaruka ku gihugu.

Yagize ati ’’Ubundi ubukungu bw’igihugu bushingira ku musaruro mbumbe wacyo kandi ugaturuka ku musaruro wa buri muturage. Iyo tureba kandi tubona uwo musaruro ugizwe n’abantu bakora ibikorwa byinjiza amafaranga menshi cyane cyane abo bakaba ari abantu bari mu bikorwa by’ubucuruzi. Iyo rero uwo muntu ahuye n’ingorane z’ikiiza agahomba ntashobora gusora, iyo adasoze bigira ingaruka ku musaruro w’igihugu cyangwa GDP, cyangwa se uretse gusora gusa wa muntu abakoresha n’abakozi na bo bagira imisoro bishyura na yo ikagabanuka ibyo rero bigira ingaruka.’’

Ibi binashimanngirwa kandi na Guverineri wa Banki Nkuru y’u Rwanda John Rwangombwa wemeza ko kutagira ubwishingizi bishobora gutuma ishoramari risubira inyuma.

Yagize ati ’’Umuntu tuvuge agiye kurangura ibintu tuvuge muri China abishyize ku bwato bigeze mu Rwanda nta insurance n’imwe bifite, ikamyo igeze mu nzira irahiye wa muntu washoyemo miliyoni 50 asigaranye zero kubera ko atigeze afata ubwishingizi. Ubwishingizi rero bufasha abantu bose kutava ku rwego ruzima bari bamaze kugeraho ngo basubire kuri zeru. Ni ikintu gifasha mu iterambere ry’ubukungu ku giti cye n’iry’igihugu muri rusange kuko iyo bya bintu bigize ikibazo ukava ku muhanda, ubwo wowe urahombye ariko n’igihugu kirahombye. »

Ishyirahamwe ry’abishingizi mu Rwanda ASSAR rivuga ko ikigero cy’ubwitabire mu bwishingizi [Penetration rate] kigeze kuri 2.8% bakaba bafite ingamba z’uko uyu mwaka warangira nibura bageze kuri 3.5%. Ni mu gihe Banki Nkuru y’u Rwanda igaragaza ko imitungo ba nyirayo bashinganye iri kuri 1.7% by’ubukungu bw’umusaruro mbumbe w’ubukungu bw’igihugu[1.7% of GDP], igipimo yemeza ko kikiri hasi cyane.

MUHABURA.RW