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Hari gukorwa ubuvugizi ku bibazo by’itezwa rya cyamunara ku mitungo y’abakiliya ba za banki.
Uwajeneza Donatha
Nov 27, 2023 - 07:55
Umuryango urwanya ruswa n’akarengane Transparency International, ishami ry’u Rwanda, uravuga ko uri gukora ubuvugizi kugirango ibibazo abaturage bahura nabyo mu mikoranire n’amabanki bishakirwe umuti. Ibi birimo ibijyanye no guterezwa cyamunara imitungo yabo, aho amabanki atungwa agatoki kubigiramo uruhare rukomeye.
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Appolinaire MUPIGANYI; Umuyobozi nshingwabikorwa w’umuryango urwanya ruswa n’akarengane T.I. Rwanda, avuga uyu muryango uri gukora ubuvugizi kugirango ibibazo bya za cyamunara zigusha abaturage mu bihombo zigabanuke.
Avuga ko ibigo by’imari n’amabanki bikwiye gushaka ubundi buryo byakoresha butari uguteza cyamunara imitungo y’abaturage.
Ati: “ikigaragara ni uko banki zirahomba, banki ntabwo zose zibona amafaranga yazo. Nubwo tuzi ko akenshi banki ziba zarakuyemo amafaranga yazo ariko ziba ziteze yuko amafaranga ziteze agomba kugaruka ariko ayo mafaranga ntabwo agaragara. Ikindi cya kabiri ni uko wa muturage nawe ajya mu bukene bukabije.”
“ ikindi abantu bagarukaho ni uko ubundi amabanki afite ubundi buryo bakoresha kurusha guteza cyamunara umutungo w’abaturage. Byagaragaye ko bashobora kumufasha gusohoka muri ibyo bibazo batarinze guteza cyamunara: ari ukumufasha gucunga, kumufasha uwamukodeshereza akabona ubwishyu, n’ubundi buryo butandukanye....”
“ariko icyagaragaye ni uko banki yishakira bya bindi biyorohere biranumvikana. Ariko ndatekereza ko nk’umunyamategeko cyangwa inzego zirengera umuturage zagakwiye gushyira ku munzanira inyungu za banki n’iz’umuturage.”
Gusa bamwe mu bakora muri za banki bavuga ko usanga bahitamo gukoresha cyamunara kuko aribwo buryo bwihuse, kuko usanga gukoresha ubundi buryo bigoye mu kubucunga.
Umwe yagize ati: “ nta period yo kuyigurisha ariko bisaba ngo umuntu wenyine yifatire icyemezo cyo kuvuga ngo uyu mutungo ndawugurishije, amafaranga yawo naza....biragoye! tumuha ukwezi ngo yigurishirize, biryo agategereza umutungo we agahanika ibiciro ashaka ko uvamo ubwishyu kandi anagire icyo asigarana. Nuko igihe wamuhaye kikarenga...hanyuma tugafata iyo option...nta zindi...”
“ama-option arahari kandi arumvikana ariko practice yayo niyo ngorane tuba dufite.... tuvuge nka management[ kugenzura] kampani yahombye bisaba kwinjira muri management yayo!”
Muri iki gihe, umuntu urimo umwenda wa banki, banki imenyesha umwanditsi, noneho umwanditsi mukuru agatanga ububasha bwo guteza cyamunara.
Umuhesha w’inkiko nawe ushyira iki cyemezo mu bikorwa, atangaza cyamunara ku rubuga rw’ikoranabuhanga. Iyo cyamunara iyo itagejeje kuri 75% y’agaciro k’umutungo ikorwa inshuro eshatu nuko hakakirwa uwatanze igiciro kiruta ibindi.
Ibi rero usanga hari abakozi ba za banki bahindutse nk’abakomisioneri cyangwa ba rwiyemezamirimo bagamije kuriganya abakiriya baba bananiwe kwishyura amadeni barimo. Ibi usanga biba intandaro yo kuba muri za cyamunara, imitungo y’abantu iteshwa agaciro maze bakayigura amafaranga atageze no kuri 50% y’agaciro ku mutungo.
@ Vestine UMURERWA/Isango Star-Kigali.
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