RWANDA: Amabanki y' u Rwanda nta faranga rikiberamo ! FPR yayagurije imishinga yayo ikomeye!!

CIA ivuga ko ubukungu bw’u Rwanda buri mu mazi abira.

Ubukungu bw’u Rwanda bugeze aharindimuka ariko FPR ikomeje kubeshya amahanga n’abanyarwanda ko igihugu gihagaze neza.

Ibi menyetso  bikomeje kugaragaraza ko u Rwanda rugeze ahantu umwanzi ashaka mu bukungu n’ubwo abayobozi b’igihugu bakomeje kwizeza abaturage ko igihugu gihagaze neza ntakibazo gihari, ariko inzara n’ubucyene birimo byiyongera.

Amakuru ikinyamakuru Inyenyerinews gifite, yerekana ko ubukungu bw’u  Rwanda bugeze aho batakibasha  guhemba abakozi,  ariko nubwo Guverineri wa Banki  nkuru y’igihugu Kanimba, abihakana, ibimenyetso biragaragaza ko igihugu kigeze iwa Ndabaga.

Mu binyamakuru bibogamiye kuri leta Guverineri Kanimba aherutse gutangaza ko nta kibazo u Rwanda rufite mu bukungu bwarwo , ndetse biteguye kwishyura  ibirarane by’abarimu n’abandi bakozi batishyurwaga, asobanura ko atari  amakosa ya Banki nkuru y’igihugu biturukaho ahubwo ari abakoresha batinze gutanga listi z’abakozi.

Ariko kurundi ruhande ibimenyetso biragaragaza ko amafaranga yashize mu isandiku y’u Rwanda kubera impamvu nyishi zitandukanye zirimo gukoresha amafaranga y’igihugu nabi kw’ishyaka ririkubutegetsi FPR  munyungu zabo n’inyungu z’abayobozi kugiti cyabo.

Amakuru dufite yerekana ko amafaranga yashize mu mabanki cyane ay’ubucyuruzi, bika byarateye ingaruka zikomeye cyane  kuko hamaze iminsi bagenera umuntu amafaranga abikuza ndetse bakabuza no kwohereza amafaranga hanze n’ibindi bigaraza ko ubukungu butifashe neza, ariko bakabikora bitwaje ahanini ikibazo cya security.

Andi makuru avuga ko izo ngaruka ziterwa n’amafaranga yakoreshwe nabi n’ibigo by’ibihangange byabikaga amafaranga meshi mu ma banki y’ubucuruzi. Ibyo bigo birimo CSR ( ikigo gishinzwe ubwiteganyirize bw’abakoze b’u Rwanda) cyasabwe kubaka amazu meshi amafaranga kiyamara mu ma banki,bityo kuko amabanki y’u Rwanda ahanini ashingiye kumafaranga y’ibi bigo binini byabaye ngobwa ko ajegajega kuko habikujwe amafaranga meshi atari ataganyijwe.

Bivugwa ko impamvu zo kwihutira kubaka amazu meshi, atari ugushaka amajyambere kuko bihungabanya ubukungu bw’igihugu, ahubwo ari ubusambo bumaze kuba akamenyero  bw’abantu bayoboye igihugu baba bashaka aho bakuriramo ayabo, bivugwa ko ayo bubakisha n’ayo bashyira mu mifuka yabo bingana.

Ikindi kivugwa ngo n’uko ibigo n’ama kampani ( Companies)  y’ibihangange mu Rwanda cyane ibya FPR, nka MTN, Inyange, n’andi, ndetse n’imishinga ya Kagame ubwe, leta yategetse amabanki kuyaha inguzanyo z’akayobo karenze ubushobozi bw’ayo mabanki y’u Rwanda, bigatuma n’amafaranga y’abaturage babitse atangira kuba macye, kandi ntacyo amabanki yari gukora kuko ryabaga ari itegeko rivuye hejuru ritavuguruzwa kuko uri vuguruje yitwa igipinga ugashakirwa ibindi byaha.

Ingaruka ayo ma banki yahuye nayo n’uko yakoresheje amafaranga y’abaturage yagombaga gukoresha mu gihe kigufi (Court teme)  ikayakoresha mu nguzanyo z’igihe kirekire (long terme) kubera igitugu cya FPR n’inyungu z’ishyaka n’abayobozi ubwabo hatitawe kunyungu z’abaturage n’ubuzima bw’igihugu muri rusange, ibi bikaba byaratumye amabanki yisanga nta mafaranga akigira.

Ikindi kivugwa ngo n’uko n’abantu bazi ingaruka zibi kandi baba babireba badashobora kugira icyo bavuga kuko baba batinya ko barebwa nk’abarwanya FPR, bityo bagahitamo kwicecekera.

Ikindi gitera ikibazo gikomeye ni abaturage ndetse n’abanyamahanga batakizeye umutekano w’u Rwanda bigatuma batwara udufaranga twabo mu ma banki yo hanze mu bindi bihugu,  aho bashobora kwizera umutekano w’agafaranga kabo.

Ibi kandi ngo biterwa n’uko leta ubu yambura abaturage cyane ifunga ama konte y’abantu uko babyumva hatabanje gusuzuma impamvu, cyane ko uwo batishimiye wese babanza gufunga udufaranga twe mu rwego rwo kubanza kumucyenesha, hatirengagijwe n’ukuboko kurekure  kwa FPR, ku mutungo w’abanyarwanda cyane ko ngo irebuza amakonte y’abantu irimo ishaka uwo ya kwambura utwe, ikoreshe urwitwazo rw’umusanzu.

Amakuru avuga ko abanyarwanda baba bamaze kubibona bityo bakaba basigaye bahitamo kubika utwabo mu mabanki yohanze abandi batabifitiye ubushobozi, bagahitamo kubika udufaranga twabo mungo, cyangwa se mu ihembe.

Ikindi kivugwa n’uko iyi sisiteme ( System) ya Banki nkuru y’igihugu irimo kuzana byihuse yo gukoresha amakarita mu kugura ibintu byose,  ari  bumwe, mu buryo bashaka bwo kureba ko abaturage bakongera kubitsa amafaranga muri banki,  mu rwego rwo kureba ko hazibwa icyuho gikomeje kugaragara cyane, kuko udashobora gukoresha i karita udafite konte.

Amakuru avuga kandi  ko kubera ibyo bibazo byose Guverineri Kanimba na Minisitiri Rwangobwa baherutse kwandikira ikigega mpuzamahanga FMI bayisaba  ngo yemerere amabanki y’ubucuruzi cyane FPR ifitemo akaboko karekare nka BK( Bank Of Kigali) na BRD, kwaka inguzanyo hanze y’u Rwanda mu rwego rwo kureba ko bahangana n’icyo kibazo kibura ry’amafaranga mu gihugu.

Ingaruka zikomeye zigaragaza ihungabana ry’ubukungu.

Zimwe mu ngaruka zikomeye igihugu cyahuye nazo, nuko habayeho guhagarika amafaranga amwe namwe  mu yagombaga gutangwa n’igihugu, muri ayo harimo amafaranga ya Bourse z’abanyeshuri, yatumye abataribacye bava mu mashuri, ndetse n’abandi bakiyahura. Ibirarane bihoraho ku bakozi  ba  leta cyane abarimu n’abandi, ubu Guverineri Kanimba asigaye abeshya ko atari amakosa yabo ari amakosa y’abakoresha batinda kohereza ama lisiti y’abakozi n’ibindi binyoma bigamije gutwikira icyo kibazo.

Ikindi kigaragara n’ubucyene abanyarwanda bafite muri iyi minsi bw’indenga kamere kuburyo abantu bose bahora barira ubucyene budashira ndetse beshi bemeza ko kubona agafaranga ko kugura ibyo kurya ari aha nyagasani.

N’ubwo u Rwanda rurimba ko ruzamuka cyane mu iterambere, ariko iperereza ry’ubukungu ikigo cy’ Ubutasi bwa leta y’ Amerika CIA cyakoze ku Rwanda ryo muri 2010- 2011, riva mu byitwa CIA FACTBOOK,  rigaragaza ko u Rwanda ruri mu bihugu byanyuma bicyennye cyane ku isi, n’ubwo abategetsi barwo bagerageza guhindura imibare bashaka kwishyira ahantu heza.

Iryo perereza rivuga ko  kugeza ubu 79% y’amafaranga akoreshwa mu gihugu, u Rwanda ruyategereza  kuyasabwa hanze. Muri iyo raporo ndende cyane  igaragaza uko u Rwanda ruhaze yerekana ko ibintu bigicika mu buryo bw’imibare ifatika, n’ubwo abayobozi bacu bazi kwitaka no kwivuga ibigwi ko ibintu bimeze neza.

(source : inyenyerinews)

Charles I.