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Hatangijwe ikigega kizafasha ibigo by'ubucuruzi bito n'ibiciriritse kubona igishoro
Uwajeneza Donatha
Apr 28, 2026 - 09:55
Mu rwego rwo gufasha ibigo by’ubucuruzi bito n’ibiciriritse kubona igishoro kibifasha kongera ubushobozi, Ikigo cy’Ubwiteganyirize mu Rwanda (RSSB) gifatanyije na Enko Capital batangije ikigega gishya cyiswe Rwanda SME Growth Fund, cyatangiranye miliyari 43 Frw azifashishwa mu guha ibigo igishoro cyo kwagura ibikorwa byabyo.
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Iki kigega cyafunguwe i Kigali ku wa 27 Mata (04) 2026, nyuma y’amasezerano yashyizweho umukono hagati ya RSSB na Enko Capital. Kigamije gushyigikira ibigo bifite imishinga myiza ariko bikabura ubushobozi bwo kubona amafaranga yo kwagura ibikorwa byabyo.
Mu mikorere yacyo, RSSB ni yo izajya itanga amafaranga y’ishoramari, mu gihe Enko Capital izajya isuzuma imishinga isaba inkunga ndetse inacunge ayo mafaranga yashowemo. Ku ikubitiro, iki kigega cyatangiranye miliyoni 30 z’Amadolari ya Amerika, ariko gahunda ni uko azongerwa akagera kuri miliyoni 100$.
Bitandukanye n’inguzanyo zisanzwe zitangwa n’amabanki, iki kigega ntikizajya gitanga amafaranga yishyurwa nk’umwenda. Ahubwo kizajya gishora imari mu bigo bifite imishinga yemejwe, gifate imigabane runaka muri byo mu gihe kiri hagati y’imyaka itanu n’icumi. RSSB igaragaza mu myaka icyo kigega kizajya kimarana imigabane y’ikigo cyahawe amafaranga kizaba kiri kubaka ubushobozi noneho numa yabya myaka kiyigurishwe kuri bya bigo cyangwa biyigurishirizwe ahandi.
Umuyobozi mukuru wa RSSB, Rugemanshuro Regis, yavuze ko iki kigega kizafasha ibigo byinshi bikora ku bushobozi buke kubera kubura igishoro gihagije. Yavuze ko hari inganda zimwe zikora ku kigero cya 40% cyangwa 50% cy'ibyo zakabaye zikora kandi zifite isoko rinini, ariko zikabura ubushobozi bwo kongera umusaruro.
Yagize ati:" Ibigo bigenewe ayo mafaranga ni ibito n’ibiringaniye ariko ntabwo ari inguzanyo ahubwo tuzajya dufata imigabane muri ibyo bigo. Nk’urugero, hari uruganda rufite ibikorwa Abanyarwanda bakeneye ariko rukora ku bushobozi bwa 40% cyangwa 50%. Usanga rimwe na rimwe inguzanyo za banki zihenze kandi ni kimwe mu bibazo bihari tugiye gukemura kongeraho no gutinda kuyabona.”
Yasobanuye ko ibigo byinshi bito n’ibiciriritse bikunze kubura ingwate zihagije zikenewe n'amabanki kugira ngo bibashe kubona inguzanyo muri banki. Avuga ko n’iyo zibonetse ziba zihenze bigatuma ibyo bigo bikomeza gukora ku bushobozi bwabyo buto ntibihaze isoko ry'imbere mu gihugu. Ibi bikavamo gutumiza ibindi bicuruzwa mu mahanga. Yavuze ko iki kigega kizabifasha kongera ubushobozi, bikageza umusaruro wabyo ku kigero cya 90% cyangwa 100%.
Ati: “Icyo dushaka ni ukugira ngo twongerere ibyo bigo ubushobozi bibashe gukora ku kigero cya 90% cyangwa 100%. Bizatuma ducuruza hanze y’u Rwanda binakemure ikibazo cy’ikinyuranyo cy’ibyo dukorera mu Rwanda n’ibyo dutumiza hanze.”
Ibigo by’ubucuruzi bito n’ibiciriritse bishaka ayo mafaranga bizajya bitanga inishinga yabyo muri Enko Capital, hamwe n'andi makuru akenewe, aho kuyahabwa nk' inkunga cyangwa inguzanyo, ahubwo ibigo biyahawe biyihe imwe mu migabane yabyo. Ibi bivuze ngo ibyo bigo bizajya bohita bishyirwa mu migabane.
Ikigo kimwe kizaba gishobora guhabwa muri icyo kigega amafaranga ari hagati ya 500.000$ na 5.000.000$.
Umuyobozi Mukuru wa Enko Capital, Cyrille Nkontichou, yavuze ko kubona igishoro binyuze muri iki kigega ari uburyo bwiza buzafasha ibigo kuko bisanzwe bigorwa no kubona inguzanyo, ibiyibonye bigakenera igihe kirekire cyo kwishyurira ndetse n'igihe cyo gutangira kwishyuriraho kikaba ikibazo.
Minisiteri y’Ubucuruzi n’Inganda igaragaza ko ibigo bito n’ibiciriritse bigize 98% by’ubucuruzi bwose mu Rwanda kandi biha akazi abantu miliyoni 2.5, ibintu bituma iki kigega gifatwa nk’intambwe ikomeye mu kuzamura ubukungu bw’igihugu.
@igihe
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