Urwego rw’ubwiteganyirize mu Rwanda, RSSB, rwagaraje ko Abanyarwanda bakomeje kwiteganyiriza by’igihe kirekire banyuze muri Ejo Heza, aho kugeza ubu abarenga 3.100.000 bayiyobotse ndetse biteganyiriza arenga miliyari 59 Frw habariwemo inyungu na Nkunganire yashyizwemo na Leta.
Ni amakuru yagaragajwe ku wa 28 Gashyantare 2023 ubwo Banki y’Isi yamurikaga raporo ya 22 igaragaza uko ubukungu bw’u Rwanda buhagaze (Rwanda Economic Update).
Raporo y’uyu mwaka ishingiye ku guteza imbere ubwizigame bw’imbere mu gihugu, hatezwa imbere urwego rw’abikorera mu Rwanda cyane cyane ko rufatiye runini ubukungu bw’igihugu.
Ejo Heza yashimiwe cyane, bijyanye n’uruhare rwayo mu gufasha Abanyarwanda kwiteganyiriza by’igihe kirekire.
Umuyobozi muri RSSB ushinzwe gahunda ya Ejo Heza, Gatera Augustin, yabwiye IGIHE ko aba banyamuryango barenga miliyoni eshatu bamaze kwiteganyiriza miliyari 39 Frw, amafaranga yagiye abyara n’inyungu agafatanywa n’ayo Leta yashyizemo mu guteza imbere iyi gahunda.
Yavuze ko Guverinoma y’u Rwanda yashyizemo uruhare rungana na miliyari 5,9% yiyongera kuri miliyari 10,4 Frw, byose bigakabakaba miliyari 56 Frw nk’umutungo mbumbe wa Ejo Heza.
Ati “Ayo yose iyo uyongereye ku zindi nyungu zituruka mu ishoramari twashoye ahantu hatandukanye ariko bakaba bataraziduha, usanga ko Ejo Heza yose uyu munsi ibarirwa miliyari 59 Frw.”
Gatera yagaragaje ko kuri ubu hari gutekerezwa imishinga itandukanye yo kuvugurura Ejo Heza kugira ngo irusheho kuryohera abiteganyiriza ndetse bajye bagira uruhare ku mafaranga yabo kurusha uko byari bisanzwe.
Ni imishinga izahurizwa muri porogaramu ya mudasobwa yiswe 2,0. Mu biri gukorwa harimo kuba umuntu yakwiyemeza ko ku itariki runaka azajya akurwaho amafaranga yiyemeje ariko bikikora.
Ni ukuvuga ngo niba kuri konti yawe ya banki, iya Mobile Money cyangwa Airtel Money ushyizeho amafaranga, hari ayikataho, iyi porogaramu ikayashyira kuri konti ya Ejo Heza, bikanagenda bityo mu gihe ugiye kwishyura serivisi runaka.
Gatera ati “Ubu Abanyarwanda benshi basigaye bishyura bakoresheje ikoranabuhanga. Ubwira Mobile Money cyangwa Airtel Money ko ikintu cyose uzajya ugura hazajya havaho wenda nka 500 Frw cyangwa 100 Frw akajya kuri konti ya Ejo Heza. Ako kanya bizajya bihita byikora.”
Yavuze ko ibindi bari gukora birimo kuvugurura amategeko ya Ejo Heza, aho ubwiteganyirize bwagoboka nyirabwo mu gihe agize ikibazo, bikava ku byari bisanzwe, aho umuntu yemererwaga kuba yakoresha ubwizigame bwe ageze ku myaka 55 y’amavuko.
Mu mavugurura ari gutekerezwa ni uko ukoresha Ejo Heza azajya ahabwa konti ebyiri, iy’ubwiteganyirize bw’iza bukuru n’indi izajya ijyaho amafaranga ashobora gutabara nyir’ubwiteganyirize mu gihe runaka, bidasabye ko ageza ku myaka 55.
Gatera ati “Iyo konti ya kabiri izajya iba ari yo gukoresha mu buzima busanzwe ndetse turi gutekereza ko wenda iya pansiyo yajya ishyirwaho 70% by’ubwiteganyirize, isanzwe ikajyaho 30% nubwo biteremezwa.”
Ni uburyo buje kunganira ubusanzwe aho iyo uwiteganyiriza amaze kugiraho miliyoni ziri hejuru ya 4 Frw, yemererwaga gufataho 40% by’amafaranga yose afite akikenura, ariko asigara ntajye munsi ya za miliyoni 4 Frw.
Ni amavugurura azatuma abantu benshi bashishikarira kujya muri Ejo Heza, cyane cyane urubyiruko kuko hari ubwo rusabwa kuyijyamo ariko rwabwirwa ko ruzatangira kubona ibirugenerwa mu myaka 55, nukabigendamo biguru ntege.
RSSB yari ifite intego ko umwaka w’ingengo y’imari wa 2023/2024 uzarangira byibuze Abanyarwanda miliyoni 3,5 bamaze kwiteganyiriza arenga miliyari 60,1 Frw. Gatera avuga ko uyu muhigo mu mezi ane ari imbere uzaba wamaze kweswa.
