Impungenge z’Abadepite ku mikorere ya BDF ishinjwa kutagera ku baturage benshi
badepite bagaragaje ko mu mikorere y’Ikigega gishinzwe guteza Imbere Imishinga Mito n’Iciriritse (BDF) irimo ibibazo bigomba kuvugururwa kugira ngo inguzanyo gitanga zifashe guteza imbere imishinga igira uruhare mu iterambere ry’abaturage benshi n’igihugu muri rusange.
BDF yashinzwe mu 2011 igamije gufasha ibigo bito n’ibiciriritse kugera kuri serivisi z’imari, ariko benshi bagaragaza ko imishinga ibona inguzanyo n’ingwate.
Raporo y’Umugenzuzi w’Imari ya Leta ya 2023 igaragaza ko kuva muri Kamena 2017 kugeza ku wa 30 Kamena 2023 hari koperative n’ibigo 18 byahawe amafaranga na BDF angana na miliyoni 411 Frw, ariko muri Mutarama 2024, izo koperative ntizari zigikora n’imitungo yazo ntiyari igikoreshwa.
Iri raporo igaragaza ko kuva mu 2020 kugeza mu 2024 BDF yagombaga kwishingira inguzanyo z’imishinga 2.733 buri mwaka, ariko kugeza mu 2023 bari bamaze kwishingira imishinga 5.418 bingana na 49,6%.
Mu biganiro Abadepite bagiranye na Minisitiri w’Ubucuruzi n’Inganda, Prudence Sebahizi, ku wa 1 Mata 2025, bagaragaje ko mu myaka 14 iki kigega kimaze, abaturage batari bakimenya ndetse n’abantu bashyizwe mu nzego z’ibanze ngo bafashe abaturage nta bumenyi bafite.
Depite Niyorurema Jean Rene yavuze ko ibibazo muri BDF bikunda kugaruka ndetse byanze gukemuka by’umwihariko abatinda kubona inguzanyo bibangamira abakora ubuhinzi.
Ati “Ikibazo cy’inguzanyo z’ubuhinzi n’ubu kiracyagaragara ko kigihari aho abaturage bakoze imishinga y’ubuhinzi n’ubworozi babona inguzanyo igihembwe cy’ihinga cyararangiye icyo kikaba ari ikibazo bakibonamo imbogamizi.”
Yanavuze ko hari abayobozi ba BDF ku karere bohereza dosiye ku rwego rw’igihugu ariko bagatinda kubona ibisubizo, bityo n’umuturage amaso agahera mu kirere.
Depite Musolini Eugène yavuze ko amafaranga ibihumbi 12 Frw acibwa abaturage bose bigiwe imishinga ari umutwaro, hakiyongeraho n’ubumenyi buke bw’abashinzwe gufasha abaturage kwiga imishinga.
Ati “Ikindi ni ubushobozi bw’abiga iyi mishinga muri BDF.[…] Uretse ubumenyi bw’abiga imishinga ariko bivuze ko muri biriya bihumbi 12 Frw basaba abaturage, nubwo Minisitiri [Sebahizi] yatubwiye ko bishyura 50% ariko twasanze bayatanga yose. Kandi bivuze ko uko yize imishinga myinshi ni ho yungukira, ariko ni ingahe ibasha gufatwa banki zikayiha inkunga? Aho ni ho hari ikibazo.”
Minisitiri Sebahizi yavuze ko uko imishinga ikorwa ari myinshi atari ko ihabwa inkunga bityo ko hagomba gushyirwaho uburyo bushya bwo guhitamo abahabwa ubufasha.
Ati “Iyo natwe dukoze isesengura dusanga uko imishinga yabaye myinshi atari ko ihabwa inkunga kuko umushinga uhabwa inkunga ari uko wemejwe na banki. Ushobora gusanga hari umuntu ukoze imishinga 100 muri yo 15 ikaba ari yo ihabwa inguzanyo, mu gihe undi yakoze 100, na ho 90% ikabona amafaranga bitewe n’ubunararibonye yakoranye. Bivuga ko hari ikibazo.”
Imishinga yahawe inguzanyo iherekezwa ite?
Depite Mukarugwiza Judith yagaragaje ko ubusabe bw’inguzanyo muri BDF butangwa hakoreshejwe ikoranabuhanga butuma abantu basa n’abasahuranwa bigatuma amafaranga adasaranganywa mu turere mu buryo Bungana kandi bugendewe ku bikenewe.
Ati “Usanga n’iyo mishinga yatewe inkunga nta buryo buhari bwo kuyikurikirana kugira ngo iherekezwe itange umusaruro yari yitezweho, ndasaba ko imitangire y’inguzayo za BDF ivugururwa kugira ngo izo nguzanyo zigire uruhare mu kuzamura ubukungu bw’igihugu.”
Depite Mukarugwiza yavuze ko mu kigega kigamije kuzahura ubukungu gitegerejwe hari abantu bari mu turere baryamiye amajanja kuko bazi ko hari miliyari 30 Frw yenda gutangwa.
Ati “Ndasaba ko mu gutanga izo nguzanyo hazashyirwaho uburyo bunoze, hagakorwa itoranywa ry’imishinga, hakitabwa ku mishinga ibyara inyungu itanga akazi ku bandi baturage benshi kandi ifite uruhare mu kuzamura umusaruro w’ibyoherezwa mu mahanga mu rwego rwo gusubiza umuhigo igihugu cyihaye wo gukuba kabiri ibyoherezwa mu mahanga.”
Najya inama y’uko BDF ivaho
Depite Mukabunani Christine yavuze ko mu myaka yose BDF imaze yagaragayemo ibibazo byinshi birimo kutamenyekana mu baturage, akanayishinja kutagira icyo ibamarira.
Ati “Njye natanga inama ko BDF yavaho hakajyaho ikindi kintu ariya mafaranga yakoreshwa. Ashobora gushyirwa mu Umurenge SACCO, ashobora gushyirwa ahandi. Urebye igihe kimaze BDF itagaragara, abaturage ntibayizi ntacyo ibamariye yewe n’ingamba zagaragajwe ni izisanzwe.”
“Njye nibuka ingendo Abadepite bakoze mu 2022 na bwo ibi bibazo byari bihari n’ingamba zaragaragajwe ariko ntacyo byatanze[…] njyewe rero natanga inama y’uko ariya mafaranga ajya muri BDF Leta yayashyira muri SACCO akagurizwa abaturage bisanzwe nk’uko bigenda bikorwa.”
Minisitiri Sebahizi yamusubije ko BDF ifite ibikorwa byinshi yakoze mu myaka 14 imaze birimo kuba yaratanze inkunga ku mishinga irenga ibihumbi 53, hahangwa imirimo ku bantu ibihumbi 159, na ho abafashijwe barimo abagore 40% na ho 25% bakaba urubyiruko.
Ati “BDF igendera muri gahunda za Leta kandi ikadufasha mu gukusanya inkunga. Uyu munsi hamaze kuboneka miliyari zirenga 120 Frw zakusanyijwe binyuze muri BDF. Ntabwo twabara ko itakoze ahubwo icyo twabara ni ukureba niba ikora neza.”
Gahunda ihari ni uko muri NST2 ikigega BDF kizafasha mu guhanga imirimo ibihumbi 60.
Biteganyijwe Kandi ko mu bihe bya vuba hazarangira amavugurura muri BDF ku buryo imikorere yayo izarushaho kunoga no kugera ku bantu benshi hagamijwe iterambere.
Abadepite bagaragaje ko hari byinshi bikwiye kunozwa mu mikorere ya BDF kugira ngo ibashe gufasha igihugu gutera imbere
