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Kwamamaza

BDF irahamagarira abagore kubyaza umusaruro amahirwe yo kwigira   

  Yanditswe na MUKAGAHIZI ROSE
 19 May

 
 

BDF ni ikigo cyashyizweho na Leta y’u Rwanda ifatanyije na Banki itsura Amajyambere (BRD) kugira ngo gifashe ba rwiyemezamirimo kubona ubushobozi bwo gukora imishinga yo kwiteza imbere by’umwihariko abagore n’ urubyiruko kibishingira mu bigo by’ imali.

Ubushakashatsi bwakozwe muri Gashyantare 2016 n’ikigo gishinzwe amakoperative mu Rwanda (RCA) bwagaragaje ko umubare w’abagana ibigo by’imari bamaze gufunguza konti abagabo ari 51,5%, abagore bakaba 39, 5% na ho amatsinda akaba 9,1% . Ni mu gihe kandi abagabo bamaze guhabwa inguzanyo bangana na 68,9% na ho abagore ni 26,8% , mu matsinda bageze kuri 4,3%.

Ni muri urwo rwego ibiganiro byabereye i Kigali bigahuza inzego zitandukanye zirimo BDF, RCA, Minisiteri y’Uburinganire n’Iteramebere ry’Umuryango (MIGEPROF), abahagarariye za SACCO n’abahagararariye inzego z’abagore mu turere dutandukanye tw’igihugu, kugira ngo barebere hamwe zimwe mu nzitizi zibangamira umugore mu kugana ibigo by’imari.

Umugwaneza Monique, ushinzwe amategeko no gukurikirana imishinga ya BDF aho iri hose mu gihugu, asobanura ko iyi nama yari igamije ubufatanye hagati yabo na RCA ndetse na MIGEPROF mu kwigisha abantu bashinzwe za SACCO cyangwa se ibigo by’imari biciriritse kugira ngo harebwe aho gahunda batangiranye yo gufasha abagore mu kwihangira imishinga mito n’iciriritse ndetse no kubafasha kugera ku mari igeze.

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Umugwaneza Monique, ushinzwe amategeko no gukurikirana imishinga ya BDF ( Foto R James )

Abagore bamaze gufashwa na BDF barenga ibihumbi 33

Umugwaneza avuga ko BDF imaze gufasha abagore barenga ibihumbi 33 ariko ko bataragera aho bashaka. Yagize ati “ Nka BDF tumaze gufasha abagore barenze ibihumbi 33, ariko ukurikije umubare w’abagore bari mu Rwanda kandi twifuza ko bagera ku mari haracyari inzira ndende. Ni byiza koko hari abateye intambwe ariko twifuza ko birenga kurushaho.”

Ikibazo kibanzweho cyane kirebana na 25% y’ingwate abagore bakwa iyo bashaka inguzanyo ari na yo mpamvu imibare y’abagore baka inguzanyo ikiri hasi. Umugwaneza avuga ko hari igisubizo. Yagize ati “ Icyo twifuza ni uko abagore bibumbira mu matsinda cyangwa mu makoperative noneho bakishingirana ya 25%, icyo gihe bashobora kuyibona noneho natwe nka BDF tukabafasha ku rwego rugeze kuri 75%”.

Ingwate zirahari

Umugwaneza avuga ko ingwate zihari zihagije, ku buryo umugore wese uzaba afite umushinga mwiza akaba yashoboye kwishyira hamwe n’abandi akagira ya 25% nta mpamvu n’imwe BDF itazamufasha.

Gusa, BDF isaba abagore kunyura mu bigo by’imari kuko hari amasezerano iba yagiranye n’ibyo bigo ku buryo nta mugore ukwiye gusubizwa inyuma kubera ko yabuze ingwate. Aha, umugore yakwa uruhare rwe ruto kugira ngo nawe nka nyir’ umushinga ase nk’aho abigiramo uruhare ariko na bwo akoroherezwa.

Habyarimana Gilbert, akuriye ishami rishinzwe ubugenzuzi bw’amakoperative mu kigo gishinzwe guteza imbere amakoperative ashimangira ko abagore bakwiye kubyaza amahirwe ahari yashyizweho na Leta y’u Rwanda mu rwego rwo gufasha abagore kugira ngo bakore imishinga biteze imbere dore ko byagaragaye ko bishyura inguzanyo neza ugereranyije n’abagabo kandi akagera ku muryango mugari.

Yibutsa za SACCO guhindura imikorere yazo cyane cyane mu kwakira imishinga y’abagore ndetse no kubahuza ku buryo bworoshye n’amahirwe atangwa na BDF.

Kugeza ubu serivisi za BDF zirimo ingwate ku mutungo utimukanwa n’ingwate ku nguzanyo yo kuzahura ubucuruzi. Hari kandi inkunga yitwa Post – Harvest Grant (PASP) akaba ari inkunga ihabwa abashoramari bafite imishinga yo kongera ubwiza bw’umusaruro w’ubuhinzi bw’ibishyimbo, ibirayi, imyumbati, ibigori, n’ibikomoka ku mata.

Hari SACCO Refinancing nk’ikigega cyashyiriweho SACCO mu rwego rwo kuzongerera ubushobozi bwo gutanga inguzanyo. Hari Quasi Equity nk’imwe muri serivisi BDF itanga ku bigo bito n’ibiciriritse binyuze mu kugura imigabane no gutanga inguzanyo kuri ibyo bigo, inguzanyo ku bigo mpuzamashyirahamwe y’abakora imirimo y’amaboko ( ICPC Equipment Leasing), Inguzanyo ndetse n’ inkunga ku banyeshuri barangije imyuga, bafite impamyabumenyi ya TVET (Toolkit Loan Facility) ndetse n’ubujyanama mu byerekeye ishoramari, imicungire y’ibigo, ibyerekeye guteza imbere ikigo cy’imari iciriritse no kwiga imishinga.

 

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