Ubukungu bwifashe nabi kwa Kagame. Nyuma ya "Agaciro Fund" bazanye "Iterambere Fund"

Ubwizigamire bwo mu gihugu imbere ni imwe mu ntwaro zigoboka ibihugu mu gukumira ihungabana rikabije ry’ubukungu, cyane ko ibibazo nk’ibyo bitarebeye izuba n’u Bushinwa bwafatwaga nka moteri y’u Bukungu bw’Isi ya none.
Leta y’u Rwanda iheruka gutangiza Ikigo Gishinzwe Ibigega by’Imigabane ku Ishoramari mu Rwanda, sosiyeti y’ubucuruzi ikora ishoramari ry’umwuga, RNIT Ltd. (Rwanda National Investment Trust). Nicyo kigiye gucunga ikigega “Iterambere Fund”, gifite inshingano zo kongera ikusanywa ry’amafaranga y’imbere mu gihugu.
Ni ikigega gifasha abashoramari banini n’abato, baba abantu ku giti cyabo cyangwa ibigo, gushora imari hakoreshejwe uburyo bwo gukusanyiriza amafaranga hamwe agashorwa mu bicuruzwa bitandukanye biri kw’Isoko ry’Imari n’imigabane.
Iki kigega gisobanurwa nk’ikitaje kubangamira abandi bakoraga umurimo wo kubika amafaranga mu gihe kirekire, ahubwo ko ari uguha abaturarwanda amahirwe asesuye yo kwihitiramo serivisi bakoresha.
Uburyo nk’ubu bwakoreshwejwe n’ibihugu byateye imbere n’ibiri kwihuta mu iterambere nka Leta Zunze Ubumwe za Amerika, u Buhinde, Luxembourg, Singapour n’umugabane w’u Burayi, aho imibare igaragaza ko umutungo w’ibyo bigega wiyongera umunsi ku wundi kandi bikagira uruhare runini ku musaruro mbumbe w’ibihugu.
Kiri muri gahunda y’icyerekezo 2020, aho Umunyarwanda azaba yinjiza $1 240, ubukungu bw’igihugu bukazamuka kuri 11.5 %. Raporo y’Ikigo cy’Igihugu cy’Ibarurishamibare yo muri Werurwe 2016, yerekana ko Umunyarwanda yinjiza $720, avuye kuri $221 mu 2003.
Gusa iki kigega gitangijwe bwa mbere mu Rwanda kije kidasiga n’umwe kuko umugabane umwe wacyo ugura amafaranga 100 y’u Rwanda, ariko amake ya nyuma umuntu ashobora kwishyura akaba 2000 Frw.
Uyu mubare w’amafaranga y’ibanze ku mushoramari, Minisitiri w’Imari n’Igenamigambi, Amb. Gatete Claver avuga ko ari intambwe nziza Leta iteye yo gufasha ab’amikoro make “gushora imari badasabwe amafaranga menshi nk’uko byari bimenyerewe.”
Gusa ngo ku bashaka inyungu za buri kwezi, basabwa kwishyura nibura ibihumbi 100 Frw, ariko nta mubare ntarengwa w’amafaranga ashorwa muri iki kigega.
Aya mafaranga azacuruzwa n’inzobere
Gashugi André, umuyobozi w’Ikigega ‘Iterambere Fund’, yasobanuye ko aya mafaranga akimara kugezwa kuri konti ziri mu ma banki atandukanye bakorana nayo, azajya atangira gucuruzwa mu bintu bibyara inyungu ifatika kandi y’igihe kirekire.
Gusa igice kinini cy’aya mafaranga kizajya gikoreshwa mu kugura impapuro mvunjwafaranga mu gihe zashyizwe ku isoko no muri banki z’ubucuruzi; ndetse Minisitiri Gatete akavuga ko atanga inyungu y’amafaranga menshi, kuko abarirwa muri 13% mu gihe cyumvikanyweho.
 

Urufunguzo ku nguzanyo z’igihe kirekire
Abanyarwanda bizigama mu gihe kirekire baracyari mbarwa, ndetse Leta ihanganye no kubageza kuri 20% by’Abanyarwanda bose bagejeje ku myaka y’ubukure mu 2020.
Iyi ni imwe mu ngingo zisa n’izambura amabanki akorera mu Rwanda ububasha bwo gutanga inguzanyo z’igihe kirekire, binatuma hari imishinga minini y’abantu ku giti cyabo ikomwa mu nkokora, nyamara yari guteza imbere igihugu.
Minisitiri Gatete ati “niba mfite uruganda runaka nkaba nshaka amafaranga, aho kugira ngo njye muri banki kuguza, reka nshyire imigabane ku isoko, Abanyarwanda bashoremo amafaranga. […] Imigabane niba ushaka kuyigurisha, uyigurisha undi muntu ariko nta muntu uza kuvanamo amafaranga.”
Ubuyobozi bwa ‘Iterambere Fund bwatangaje ko mu mafaranga azaba ari muri icyo kigega, hashobora gukoreshwa agera kuri 30% hagurwa serivisi zo mu mabanki zirimo no kubitsa by’igihe kirekire, bigafasha amabanki kuyaguriza abashoramari
Inyigo ya FinScope mu 2016, iheruka kwerekana ko Abanyarwanda miliyoni 5.2 bangana na 89% bagera kuri serivisi z’imari, ariko igipimo cy’ubwizigamire mu Rwanda ugereranyije n’igipimo cy’izamuka ry’ubukungu kingana na 17.7%.
Gusa inyigo nk’iyo yo mu 2012, yerekanye ko hari amafaranga menshi atabyazwa umusaruro kuko igice kinini cy’ukwizigamira birangira gikoreshejwe mu kwishyura ibitunga abantu umunsi ku wundi, 5% yonyine akaba ari yo ashyirwa mu ishoramari.
Igihe.com