Ni amagambo yavuzwe na Depite Mukabunani Christine ku wa 1 Mata 2025, mu Nteko Rusange y’Umutwe w’Abadepite uganira na Minisitiri w’Ubucuruzi n’Inganda, Prudence Sebahizi, baganira ku bibazo biri mu Kigega gishinzwe guteza Imbere Imishinga Mito n’Iciriritse (BDF).

BDF yashinzwe mu 2011 ifite inshingano yo kugeza serivisi z’imari kuri ba rwiyemezamirimo barimo urubyiruko n’abagore bafite imishinga mito n’iciriritse.

Muri serivisi yatangaga harimo ingwate ku nguzanyo, ubujyanama, ikodeshagurisha, kongerera ubushobozi SACCO, inguzanyo ku buhinzi n’ubworozi ndetse n’inkunga.

Mu 2015 iki kigega cyafunguye amashami mu turere twose tw’igihugu, kugira ngo gishobore guha serivisi ba rwiyemezamirimo bayikeneye ariko hanatangwa ubufasha mu itegurwa ry’imishinga, serivisi yahabwaga umugenerwabikorwa ufite igitekerezo cy’umushinga, BDF ikamufasha kwandika umushinga no kuwutegura neza.

Gusa mu myaka yose yashize, abaturage ntibahwemye kugaragaza ko batazi imikorere ya BDF kuko ahenshi batanga imishinga bikazarangira nta nkunga bahawe.

Hari n’abayishinjaga ko ujyanye umushinga ntacyo atanze atabonaga serivisi, no kuyiha imishinga nyuma bakazayibona ishyirwa mu bikorwa n’abandi bantu.

Raporo y’Umugenzuzi Mukuru w’Imari ya Leta y’umwaka warangiye muri Kamena 2023 igaragaza ko BDF yemeje imishinga y’ikodeshagurisha rinini n’ikodeshagurisha riciriritse rya miliyoni 79 Frw, habayeho ubukererwe buri hagati y’iminsi 112 (hafi amezi ane) n’iminsi 1176 (ni ukuvuga imyaka itatu n’amezi abiri).

Inguzanyo y’imishinga yo mu rwego rw’ubuhinzi n’ubworozi ifite agaciro ka miliyoni 132 Frw yemejwe nyuma y’ubukererwe bw’iminsi iri hagati ya 102 (amezi atatu) n’iminsi 1186 (imyaka itatu n’amezi abiri).

Iyi raporo iti “Gutinga kwemeza ubusabe bw’inguzanyo bigira ingaruka zikomeye ku ishyirwa mu bikorwa ry’imishinga y’abagenerwabikorwa.”

Ku rundi ruhande impagararizi y’imishinga 378 y’abantu bari basabye BDF kubishingira kugira ngo bashobore kubona inguzanyo, ubusabe ku mishinga 114 ingana na 30% bwemejwe nyuma y’ubukererwe bw’iminsi iri hagati ya 30 na 237.

Umugenzuzi Mukuru w'Imari ya Leta, Alexis Kamuhire aherutse kuvuga ko muri BDF nta mpinduka mu mikorere bagaragaza

Yananiwe kugera ku ntego yihaye

BDF yari yihaye intego yo kwishingira inguzanyo z’imishinga 2.733 buri mwaka, kuva mu 2020 kugeza mu 2024, bivuze ko wagombaga kugera bishingiye imishinga 10.932. Gusa kugeza mu 2023 yari imaze kwishingira imishinga 5.418 ingana na 49,6%.

Hagati ya 2017 na 2023 BDF yahaye inkunga koperative n’ibigo by’ubucuruzi 18 bigiye kugura imitungo ifite agaciro ka miliyoni 411 Frw ariko byageze muri Mutarama 2024 ibyo bigo uko ari 18 bitagikora.

BDF ihamya ko 70% by’imishinga yateye inkunga yamaraga imyaka ibiri ikiriho.

Muri Mata 2025 abadepite bagaragaje ko abakozi ba BDF bashinzwe kwigira abaturage imishinga ngo izabone inguzanyo cyangwa inkunga usanga nta bumenyi bafite kuko umubare munini w’iyoherezwa itazihabwa.

Minisitiri w’Ubucuruzi n’Inganda, Prudence Sebahizi yasubije ko ikibazo cy’ubumenyi buke ari cyo gituma imishinga imwe n’imwe ibura inkunga.

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.”

Ku wa 15 Nyakanga 2025, ubwo BDF yitabaga Komisiyo ishinzwe kugenzura imikoreshereze y’imari n’umutungo bya Leta, PAC, Umugenzuzi Mukuru w’Imari ya Leta Alexis Kamuhire, yagaragaje ko ugereranyije na raporo ya 2023 n’iya 2024 nta cyahindutse ku mikorere ya BDF bityo ko nubwo itari muri biragayitse ariko hari byinshi byo gukora ngo imikorere yayo muri rusange ijye ku murongo.

Ati “Mu bikorwa bya BDF turacyabonamo ubukererwe mu kwemeza imishinga, ingwate zidakurikiranwa ngo BDF ibe ifite amakuru kuri buri ngwate iba yatanzwe, inguzanyo iba yatanze na yo kugira ngo izo ngwate zihabwe ubwishingizi, na byo harimo izo twabonye zidakurikiranwa uko bikwiye ndetse n’izakagombye kuba zifite ubwo bwishingizi zitabufite.”

Depite Mussolini Eugenene yavuze ko imikorere yo gutinda gutanga inguzanyo ihombya igihugu n’abaturage ku buryo n’ibiribwa bishobora kubura.

Ati “Ntabwo dukorera mu biro gusa tujya tujya n’aho imishinga ikorera cyane cyane. Uruhare rwa BDF rurakererwa cyane, umufatanyabikorwa ni uriya muturage. Mfate urugero rw’umushinga w’ubuhinzi umuturage yakoze, agiye guhinga igihembwe cy’ihinga ntituragihagarika, tuzi igihe cyacyo ariko ugatwara iminsi 360 utaramuha iyo nkunga. Bivuze ko umushinga yateguye tuwuhombye kabiri. Arahombye, igihugu kirahombye n’ibiryo ntituzabibona.”

Depite Mukabunani yigeze kugaragaza ko BDF ikwiye kuvanwaho

Mukabunani yari yasabye ko BDF ivaho

Depite Mukabunani Christine yagaragaje ko mu ngendo zose bakoze basanze BDF ntacyo yamariye abaturage, ndetse harimo benshi batayizi.

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.”

Icyifuzo cya Depite Mukabunani cyashyizwe mu bikorwa ku wa 31 Nyakanga 2025, nyuma y’itangazo ryasohotse rivuga ko BDF yahujwe na Banki y’u Rwanda Itsura Amajyambere (BRD) hagamijwe kwihutisha uburyo bwo kubona inguzanyo no gutanga inguzanyo ziteguye ku rugero rw’umukiliya.

Mu myaka 14, BDF yari imaze gufasha ba rwiyemezamirimo barenga ibihumbi 50 mu gihe imirimo bahanze ibarirwa mu bihumbi 330.

Yanditswe na Henriette UWAMAHIRWE