BNR irimo gutegura itegeko rirengera abagana ibigo by’ imari

Banki Nkuru y’Igihugu irimo kunonosora itegeko rishya rigena ingingo 7 zirengera uburenganzira bw’abakiriya bagana ibigo by’imari ubusanzwe ryitwa ‘The Client Protection Principles’ rikoreshwa hirya no hino ku Isi.
Byitezwe ko rizarushaho kunoza serivisi zirengera abakiriya b’ibigo by’Imari mu Rwanda, nk’uko bitangazwa n’Ishyirahamwe ry’Ibigo by’Imari Iciriritse mu Rwanda (AMIR –Association of Microfinance Institutions of Rwanda).
Uwizeye Jean Pierre Umuyobozi wungirije ushinzwe gahunda muri AMIR (...)

Byitezwe ko rizarushaho kunoza serivisi zirengera abakiriya b’ibigo by’Imari mu Rwanda, nk’uko bitangazwa n’Ishyirahamwe ry’Ibigo by’Imari Iciriritse mu Rwanda (AMIR –Association of Microfinance Institutions of Rwanda).

Uwizeye Jean Pierre Umuyobozi wungirije ushinzwe gahunda muri AMIR yabwiye Ikinyamakuru Izubarirashe.rw ko iri tegeko rizafasha ahanini abakiriya mu kwaka inguzanyo ahanini bafashwa kugira amakuru arambuye kugira ngo basobanukirwe neza, ku buryo umukiriya yafashwa kubuzwa kwaka inguzanyo atazabasha kwishyura.

Yagize ati “Ibigo by’imari bitanga serivisi ariko ariko byo bishaka n’inyungu, hari aho rero ujya kubona ukabona ko bikenewe ko harengerwa uburenganzira bw’usaba serivisi. Rero ku rwego mpuzamahanga hasanzwe hariho ubwo buryo kandi buba no mu zindi nzego zitari mu rwego rw’ibigo by’imari. Banki Nkuru irimo irakora icyo nakwita ‘itegeko’ rirengera uburenganzira bw’abafata serivisi z’imari.”

Yungamo ati “Hari ukuntu Abanyarwanda benshi bitewe ahanini rimwe na rimwe n’ubushobozi n’ubumenyi [buke] bafite mu bijyanye no kwaka serivisi z’imari usanga hari aho bakijya mu kwaka inguzanyo agasanga kontaro bamaze kuyitegura agasinya rimwe na rimwe izo kontaro ziteguye mu ndimi zo hanze nk’Igifaransa cyangwa se atazi n’ibirimo icyo bivuze, bwacya mu gitondo yatangiye kwishyura akavuga ngo inyungu ku nguzanyo bamusabye ni nyinshi.”

Uyu muyobozi asobanura ko iri tegeko ahanini rizongera ubushobozi bwo kubasha kumenya uko inguzanyo ahawe azayishyura, igihe agomba kuzayishyurira, impamvu yabyo akerekwa aho ashobora kubangamirwa mu kwishyura n’uburyo yagombye kuzabyitwaramo.

Agira ati “Umukiriya yagombye kubanza kumenya uko urwo rwunguko rwagenwe n’uko yabanza kubiganiraho n’icyo kigo cy’imari, umukiriya akabasha kuvuga ati ‘ninsaba inguzanyo ya miliyoni imwe bazayimpa ku giciro kingana gutya, bazashyiraho inyungu ingana gutya, iyi mibare bayibara gute, ese ni hehe mbona ko bimbangamiye kugira ngo mbyange tubanze tuganire’”.

Straton Habyarimana, Umuyobozi ushinzwe ibikorwa mu muryango Seep Network, ufite icyicaro gikuru muri Leta Zunze Ubumwe za Amerika, usanzwe ufasha ibigo by’imari hirya no hino ku Isi kurushaho kunoza serivisi zigenewe abakiriya we asobanura ko umukiriya yagombye gufashwa guhitamo ikigo kimunyuze.

Habyarimana asobanura ko umukiriya iyo abanje gusobanurirwa neza anyurwa, kandi ko umukiriya unyuzwe azana abandi bakiriya icyo kigo kikahungukira bagakorana impande zombi zishimanye kandi ko ari byo byifuzwa.

Agira ati “Ibyo bintu ntabwo turabigeraho kubera yuko mu by’ukuri bimwe mu bigo usanga bitumva ko ibyo bintu ari ngombwa, ikindi usanga ibintu byinshi ari ibyo twagiye tuvana hanze nk’amakontaro menshi dukoresha twaragiye tuyavana hanze, abakozi tutarabahuguriye uko kubanza gusobanurira abakiriya neza, n’abakiriya nabo ugansanga nabo nta bumenyi bafite bw’uko ari uburenganzira bwabo ariko ayo mategeko mashya agenda aza azagenda abishyira mu buryo.”

Ingingo 7 zigize iri tegeko

Mu ngingo 7 zigize iri tegeko mu ngingo ya mbere havugwamo ko hagomba kugena neza ingingo zidateza igihombo umukiriya, hakanenwa uko umukiriya ahabwa serivisi neza.

Ingingo ya kabiri isaba ko umukiriya ko agaragarizwa niba afite ubushobozi, agahabwa uburyo bwo kwishyura neza mu gihe agize igihombo bitamuteje ibindi bibazo by’inyongera. Aha impande zombi ziyemeza gukorana zihanahana amakuru mu gufasha umukiriya kwigobotora ikibazo yagize.

Ingingo ya gatatu isaba gukorera mu mucyo aho umukiriya asobanurirwa mu buryo bunoze agahabwa amakuru yose neza mu mvugo abasha kumva neza ku buryo yoroherezwa kwifatira icyemezo. Yerekwa neza ibiciro n’amategeko n’amabwiriza bizakurikizwa.

Ku ngingo ya kane ho havugwamo igiciro, aho hagenwa igiciro mu buryo butabangamiye umukiriya n’ikigo bombi bikabanyura. Umukiriya agenerwa uburyo bwiza bwo kwishyura mu biciro biri byo.

Hagenwa uko umukiriya agomba gufatwa neza yubashywe, mu ngingo ikurikiraho ya gatanu.

Ingingo ya gatandatu yo igena uko ibirebana n’umukiriya bifatwa nk’ibanga hagendewe ku mategeko. Hagaragazwa uko amakuru yatanze adashobora kwifashishwa mu zindi nyungu zihariye hatisunzwe amategeko cyangwa se ngo bibe byemeranyijweho n’umukiriya.

Ku ngingo ya nyuma hagenwa uburyo hakemurwa ibibazo mu gihe bivutse n’uko serivisi zitakwishimirwa zanozwa.

Iri tegeko nirimara kwemezwa n’urwego rubishinzwe muri Banki Nkuru rizahita rizaca mu nzira zisanzwe amategeko anyuramo ngo yemezwe mu Rwanda, aho rizajya muri Minisiteri ibishinzwe, rijye mu Nteko nyuma rizatangazwe mu Igazeti ya Leta rihite ritangira gukurikizwa.

Ubu AMIR iri guhugura abakozi n’ibigo by’imari birebwa n’iri tegeko, nyuma hazabaho gahunda yo kuryigisha no kurisobanurira abaturage nk’uko AMIR ibivuga.

Izuba rirashe dukesha iyi nkuru ryatagangaje ko ubushakashatsi bwakozwe na Seep Network ku bufatanye na Mastercard bwagaragaje ko nubwo icyiciro cy’ibigo by’imari iciriritse kigenda gitera imbere hakigaragaramo ibibazo birimo kuba 16% byabyo ari byo bifite inzira abakiliya banyuzamo ibitabanyuze.

Imibare ya Banki Nkuru y’u Rwanda, igaragaza ko mu Rwanda habarizwaga ibigo by’imari iciriritse 489 bikora mu buryo bwemewe n’amategeko.

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Ibitekerezo

kadogo May 2017

ko mbona barirengagije ibyerekekeye icyamunara. Naho bank zihonyora aba client

John May 2017

Turashima abafashe iyambere bagatanga ibitekerezo none iri tegeko rikaba rigiye gusohoka, kuko abakiliya bajya bagira ibihombo mu byumkuri bidafite ishingiro kuko Banki zihutiraga kugurisha imitungo y’abakiliya aho kurebera hamwe nabo impamvu yatumye batabasha kwishura. ikindi kubika ibanga ry’umukiliya nacyo ingenzi. mukomereze aho kandi bikorwe vuba mu nyungu za bose.
Murakoze.