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Barasaba ko ibigo by’imari kwishyuza hatabayeho guteza cyamunara
Uwajeneza Donatha
Aug 1, 2024 - 14:00
Mu gihe hari bamwe mu baturage bafite ikibazo cy’imitungo yabo itezwa cyamunara mu gihe umuntu yagize ibibazo ku kwishyura inguzanyo, impuguke mu bukungu n’umuryango zivuga ko amabanki yita ku ngwate umuntu yatanze kurusha kwita ku mushinga yatanze. Umuryango urwanya ruswa n’akarengane Transparency International ishami ry’u Rwanda uvuga ko hakwiye gukoreshwa ubundi abantu bakwishyura hatabayeho cyamunara.
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BYIRINGIRO Jean Pierre ni umuturage wo mu mujyi wa Kigali wafashe inguzanyo muri imwe muri bank ariko aza guhomba. Ubu afite ikibazo ko agiye guterezwa cyamunara, nyuma y’uko asabye ko hakoreshwa ubundi buryo ngo yishyure bikanga.
Ubwo yaganiraga n’Isango Star, yagize ati: “ ikibazo mfite ni uko njyewe nagujije amafaranga muri bank nuko nishyuramo nka 60%. None ndimo ndababwira ngo narahombye kandi contract twagiranye yo kwishyura yararangiye. Ndababwira nti ‘narahombye nimumfashe ubundi buryo nakwishyura, mumpe andi masezerano’. Bati ntabwo bishoboka, tuzaza kugutereza (cyamunara). Sinshaka kubambura, sinshaka no guhomba ariko nkababwira nti’ ko mwampaye amafaranga kuneza, ni gute tutakumvikana ngo banyongere andi masezerano ngo mbishyure?!”
Kuba umuntu aterejwe cyamunara mu gihe atabashije kwishyura bigira ingaruka ku muryango kuko bamwe bahita babura ubushobozi bwo gutunga imiryango yabo, nkuko bamwe mu baturage babivuga.
Umwe yagize ati: “ abana kwiga ntabwo biba bigishobotse, kugura mituweli ntibiba bigishobotse.”
Undi ati: “ bitera ubukene kuko abantu barakena.” “ umuryango ujya mu kibazo cy’ubukene cyangwa se kubura umutungo wari ufite wagombaga kugufasha.”
Calixte KABERA; Impuguke mu bukungu, avuga ko usanga kuba cyamunara zitezwa mu Rwanda, ari uko banki zidakurikirana neza umuntu mu gihe agiye guhabwa inguzanyo. Zivuga ko usanga birebera gusa ku ngwate yatanzwe.
Ati: “ariko akenshi uzasanga hari n’amafaranga atangwa ku bantu batigeze bareba icyo ayo mafaranga agiye gukora. Ugasanga rimwe na rimwe aho kureba umushinga [project], banki irebye cyane ingwate watanze. Ariko nanone hagomba kubaho uburyo banki ishyiraho bwo gukurikirana imikoreshereze ya ya mafaranga igihe yayahaye umuntu.”
“ usanga uko gukurikirana nabyo ari bike mu Rwanda, kugira ngo batazafata wa muntu yahombye batarigeze bamenya uko byaba byaragenze.”
Ubwo umuryango urwanya ruswa n’akarengane Transparency International, ishami ry’u Rwanda ryagiranaga ibiganiro n’abakora muri banki, abahesha b’inkiko na societe civil, Appolinaire MUPIGANYI; umuyobozi nshingwabikorwa w’uyu muryango, yavuze amabanki afite ubundi buryo yakoresha akishyurwa hadatejwe cyamunara.
Yagize ati: “kumufasha gusohoka muri ibyo bibazo batarinze kumutereza cyamunara, ari ukumufasha kuwucuanga, ari ukumufasha kubona uwamukodeshereza akabona ubwishyu...n’ubundi buryo butandukanye banki ishobora gukoresha. Ariko icyagaragaye ni uko banki yishakira bya bindi biyoroheye.”
Abaturage bagaragaza ikibazo cyo kuba banki zitereza cyamunara abagize ibibazo mu kwishyura amadeni yazo, mu gihe hari abandi bavuga hari abakozi ba za banki bahindutse nk’abakomisioneri cyangwa ba rwiyemezamirimo bagamije kuriganya abakiriya. Bavuga ko iyo mikorere ariyo iba intandaro yo kuba muri za cyamunara imitungo y’abantu iteshwa agaciro, bakayigura amafaranga atageze no kuri 50% y’agaciro k’umutungo.
@ Vestine UMURERWA/Isango Star-Kigali.
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