Leta y’u Rwanda, ibinyujije muri Minisiteri y’Urubyiruko n’Iterambere ry’Ubuhanzi (MoYA) ku bufatanye na Banki y’Iterambere y’u Rwanda (BRD), yatangaje gahunda nshya igamije gufasha urubyiruko n’abahanzi kubona serivisi z’imari ku buryo buboroheye, mu rwego rwo gukomeza kubafasha kwagura ibikorwa byabo no kongera uruhare rwabo mu iterambere ry’igihugu.
Iyi gahunda ije isubiza ubusabe bwari bumaze igihe bugaragazwa n’ibi byiciro byombi, aho byakomeje kugaragaza imbogamizi zo kubona inguzanyo mu buryo bworoshye, cyane cyane bitewe n’ingwate zisabwa n’ibigo by’imari zisanzwe ziri hejuru.
Mu itangazo ryashyizwe hanze, MoYA na BRD bagaragaje ko bashyizeho ikigega cyihariye kizafasha urubyiruko n’abahanzi kubona inguzanyo batanga ingwate ntoya ugereranyije n’iyari isanzwe isabwa.
Nk’uko iri tangazo ribivuga, usaba inguzanyo azajya asabwa ingwate itarenze 10% by’inguzanyo yifuza, mu gihe inyungu izaba iri ku kigero cya 9%.
Byongeye kandi, hagashyirwaho uburyo bwo gushishikariza abishyura neza, aho uzarangiza kwishyura inguzanyo ye uko bikwiye azahabwa inkunga ingana na 10% by’inguzanyo yari yarafashe, nk’ishimwe ryo kubahiriza amasezerano.
Gahunda yo kwishyura na yo yateganyijwe mu buryo bworoshye, aho uwahawe inguzanyo azatangira kuyishyura nyuma y’amezi atatu ayifashe, mu gihe igihe ntarengwa cyo kuyishyura kizajya kiba hagati y’amezi atandatu n’imyaka itanu, bitewe n’ingano y’umushinga n’ubushobozi bw’uwawufashe.
Ku bijyanye n’abemerewe gusaba iyi nguzanyo, urubyiruko rwasabwe kuba ruri hagati y’imyaka 18 na 30, mu gihe ku bahanzi nta mbogamizi z’imyaka zashyizweho.
Icyakora, ibisabwa by’ibanze ku basaba bose birimo kuba bafite umushinga w’ubucuruzi usanzwe ukora kandi ugaragaza inyungu, kuba uwo mushinga wubahiriza amategeko arimo kwishyura imisoro cyangwa nibura ufite nimero iranga umusoreshwa (TIN) n’ipatante.
Nanone kandi, usaba inguzanyo asabwa kuba afite konti mu kigo cy’imari imaze nibura umwaka ikora, ndetse agategura inyandiko irambuye igaragaza uko umushinga we uhagaze, inyungu uteganya kuzabona n’uko uzarushaho kwaguka mu gihe kiri imbere.
Abifuza kugana iki kigega basabwa kandi gutegura inyandiko igaragaza gahunda yo kwishyura inguzanyo, ndetse bakerekana ko basanzwe bakorana cyangwa barahawe amahugurwa n’ibigo bifasha abikorera mu guteza imbere ubucuruzi, mu rwego rwo kwemeza ko bafite ubumenyi buhagije bwo gucunga neza imishinga yabo.
Nubwo iyi gahunda igamije gufasha benshi, hashyizweho imipaka y’ingano y’inguzanyo, aho umushinga usaba inkunga utagomba kurenza miliyoni 10 z’amafaranga y’u Rwanda, mu rwego rwo gutuma abantu benshi babasha kugerwaho n’iyi serivisi.
Abasesenguzi mu bukungu bagaragaza ko iyi gahunda ishobora kugira uruhare rukomeye mu kuzamura ubukungu bushingiye ku rubyiruko n’abahanzi, cyane cyane mu gihe isi igenda yerekeza ku bukungu bushingiye ku guhanga udushya.
Bemeza ko korohereza ibi byiciro kubona imari bishobora gutuma hibazwa ibisubizo bishya mu bucuruzi, mu myidagaduro no mu zindi nzego zitandukanye.
Ku ruhande rw’urubyiruko n’abahanzi, iyi gahunda yakiriwe neza, benshi bayibonamo amahirwe mashya yo kwagura ibikorwa byabo no kugera ku nzozi bari bafite ariko batashoboraga kugeraho kubera imbogamizi z’imari.
Iyi gahunda ije yiyongera ku zindi Leta yashyizeho zigamije guteza imbere urubyiruko n’abahanzi, aho hibandwa ku kubaha ubushobozi bwo kwihangira imirimo no kuba abafatanyabikorwa b’ingenzi mu iterambere rirambye ry’igihugu.
Tubibutse ko mushobora gukomeza kudukurikirana ku mbuga nkoranyambaga.
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