Rwanda : Haracyari imbogamizi mu itangwa ry inkunga ku nguzanyo itangwa na BDF mu ma banki


Carine Umugwaneza ushinzwe marketing muri BDF

Carine Umugwaneza ushinzwe marketing muri BDF

Mu nama isobanura imikorere ya Business Development Fund (BDF) yabereye i Nyabihu tariki 29/3/2012, bamwe mu baturage bari bayitabiriye bagaragaje ko hakiri imbogamizi mu itangwa ry’inguzanyo.

Bamwe mu baturage bitabiriye iyo nama bavuga ko hakiri imbogamizi mu mabanki, kuko usanga hari abajyanayo imishinga yabo isaba inguzanyo,bakanasaba ko bahabwa inkunga ku nguzanyo itangwa na BDF (RIF) ariko ugasanga birangiye dosiye zabo  zidasubijwe ntibamenye ikibazo cyabayemo.

Ikindi ngo nuko usanga aho kugira ngo iyi nkunga yagenewe abaturage bashaka kwizamura abe ari bo ihabwa, ihabwa abatayikwiriye bifashije.

Muri iyo nama, abaturage basabye abakozi ba BDF kujya bakurikirana imikorere y’amabanki bakorana mu gutanga inkunga ku nguzanyo n’uko bikorwa bakareba niba koko abo inguzanyo iba igenewe ari bo ihabwa.

BDF, ikigo cyashyizweho ku bufatanye bwa Guverinoma y’u Rwanda na Banki y’igihugu itsura amajyambere (BRD) ni kimwe mu bigo bifasha abaturage kwiteza imbere binyuze mu kubafasha kubona ingwate ku nguzanyo baka mu mabanki ngo bashyire mu bikorwa imishinga yabo iba yemewe na banki.

BDF kandi itanga inama ku muturage wumva ushaka kwiteza imbere akora umushinga wamuha inyungu.

Nubwo iki kigo cyashyizweho ngo gifashe abaturage kubona ingwate ku nguzanyo basaba mu mabanki atandukanye akorana n’iki kigega.

Umukozi ushinzwe marketing muri BDF, Carine Umugwaneza, yashubije abaturage ko bigoye kuba ibibazo nk’ibyo bikunze kubazwa n’abaturage byakemuka, kuko ahanini nta n’ibimenyetso bigaragara byagenderwaho baba bafite byemeza ko ibibazo nk’ibyo byaba ari byo.

Ikizakorwa ngo ni ukureba banki zikunze kwemera guha inguzanyo imishinga y’abaturage n’izidakunze kuyitanga, hanyuma baganire n’amabanki atazitanga higwe ku mbogamizi zirimo zibe zakemurwa.

Mu buhinzi n’ubworozi uwatse inguzanyo muri banki iri hejuru ya miliyoni 10 ahabwa inkunga ingana na 25%,naho inguzanyo iri munsi ya miliyoni 10 agahabwa 20%.

Ku birebana n’imishinga yo gutunganya ibikomoka ku buhinzi n’ubworozi, inguzanyo iri hejuru ya miliyoni 50 ihabwa inkunga ingana na 25% naho iri munsi ya miliyoni 50 igahabwa inkunga ingana na 20%.

Ku birebana n’imirimo yo gushyigikira,bene izo nguzanyo zihabwa inkunga ingana na 15%. Izo nkunga zo mu bwoko bwose ntizihabwa umuturage mu ntoki ahubwo zishyikirizwa banki.

Umuturage yishyura banki yamuhaye amafaranga ariko yasigazamo igice yemerewe na BDF akarekeraho kuko iba yarahaye banki ya mafaranga. Urugero: uwahawe inkunga ya 20% iyo agejeje kuri 80% ahita arekera aho kuko BDF ibya yaramutangiye 20% muri banki.

 

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One Response to “Rwanda : Haracyari imbogamizi mu itangwa ry inkunga ku nguzanyo itangwa na BDF mu ma banki”
  1. ngabo j.bosco says:

    what about grantee for youth with no enough fortune ? how is real the proccedure?

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