Umutungo w’Urwego rw’imari wazamutseho 19.5% ugera  kuri miliyari 7,569 Frw
Amakuru

Umutungo w’Urwego rw’imari wazamutseho 19.5% ugera  kuri miliyari 7,569 Frw

NTAWITONDA JEAN CLAUDE

February 17, 2022

Komite ishinzwe kubungabunga Ubudahungabana bw’Urwego rw’lmari (FSC) yagaragaje ko umutungo w’urwego rw’imari wakomeje kuzamuka mu mwaka ushize wa 2021kubera izahuka ry’ubukungu, mu nama ngarukagihembwe yateranye ku wa 16 Gashyantare 2022, igamije gusuzuma imikorere y’urwego rw’imari, ubudahungabana bwarwo, ingorane nshya zarwibasira n’ibyuho byazo, ndetse no gufata ingamba zikwiye mu kugabanya izo ngorane zagaragaye.

Komite yabonye ko izahuka ry’ibikorwa by’ubukungu ryakomeje mu gufasha mu izamuka n’ubudahungabana bw’urwego rw’imari. Bijyanye n’isubukurwa ry’ibikorwa by’ubukungu, ingorane ku rwego rw’imari zaragabanutse ariko ibyuho byazo biracyahari by’umwihariko ibyerekeranye n’abagurijwe n’ibigo by’imari ariko umusaruro wabo ukaba utarazahuka.

Ariko na none, intumbero ni uko urwego rw’imari rwitezweho kuguma rushikamye rufite imari n’umutungo mvunjwafaranga bihagije byafasha mu kuziba icyuho cyaterwa n’ingorane.

Igiteranyo cy’umutungo wose w’urwego rw’imari wagutse ku kigero cya 19.5% uba miliyari 7,569 z’amafaranga y’u Rwanda mu kwezi k’Ukuboza 2021 ugereranyije n’izamuka rya 20.2% ryariho mu kwezi k’Ukuboza 2020.

Mu rwego rw’amabanki, iri zamuka rigaragarira mu nguzanyo zatanzwe aho inguzanyo nshya zemejwe n’amabanki zazamutse ku kigero cya 15.4% zigera kuri miliyari 1,230 z’amafaranga y’u Rwanda ugereranyije n’imanuka ryazo ku kigero cya 8.2% muri 2020, ndetse n’impuzandengo y’izamuka rya 13.9% mu myaka itatu mbere y’icyorezo.

Na ho mu rwego rw’ibigo by’ubwishingizi, izamuka ryatewe ahanini n’izamuka ry’imisanzu y’ubwishingizi ku kigero cya 21.6%, hejuru y’izamuka rya 10.4% mu mwaka 2020 ndetse n’impuzandengo y’izamuka rya 13.0% mu myaka itatu mbere y’icyorezo.

Guverineri wa Banki Nkuru y’u Rwanda John Rwangombwa, yavuze ko urwego rw’imari rwakomeje kugira ubwihaze ku mari n’umutungo mvunjwafaranga bihagije.

Yemeza ko ibigo by’imari bigenzurwa na Banki Nkuru y’u Rwanda byakomeje kugira imari ihagije ibifasha mu guhangana n’ibihombo no gufasha mu bikorwa byo gutanga inguzanyo. Kugeza mu mpera z’Ukuboza 2021, impuzandengo y’igipimo cy’ubwihaze bw’imari shingiro (CAR) mu rwego rw’amabanki cyari gihagaze kuri 21.5%, hejuru y’igipimo ntagibwamunsi gisabwa n’igenzura cya 15%.

Muri iki gihe na none, igipimo cy’ubwihaze ku mari shingiro mu rwego rw’ibigo by’imari iciriritse cyari kuri 35.8% ugereranyije n’igipimo ntagibwamunsi gisabwa n’igenzura cya 15%. Impuzandengo y’igipimo cy’ubushobozi bwo kwishyura mu rwego rw’ubwishingizi bw’abikorera cyari ku 142%, ugereranyije n’igipimo ntagibwamunsi gisabwa n’igenzura cy’ 100%.

Na none, urwego rw’imari rwakomeje kugira umutungo mvunjwafaranga uhagije aho mu rwego rw’amabanki, igipimo cyawo kigereranya umutungo wavunjwa amafaranga mu gihe cy’iminsi itarenze mirongo itatu (30), n’umutungo wasubizwa abakiriya muri iyo minsi (LCR) cyari kuri 269% mu mpera z’Ukuboza 2021, hejuru y’igipimo ntagibwamunsi gisabwa n’igenzura cy’ 100%.

Ni mu gihe mu rwego rw’ibigo by’imari iciriritse, icyo gipimo kikaba cyari ku mpuzandengo ya 112% mu mpera z’Ukuboza 2021 ugereranyije n’igipimo ntagibwamunsi gisabwa n’igenzura cya 30%.

Ingorane ku rwego rw’imari zaragabanutse, ariko ibyuho by’ingorane biracyahari

Isubukurwa ry’ibikorwa by’ubukungu ryafashije umubare munini w’abahawe inguzanyo bari barasubikishije ubwishyu mu ntangiriro no mugihe gikomeye cy’icyorezo cya Koronavirusi, gusubukura kwishyura mu buryo busanzwe.

Mu mpera z’ Ukuboza 2021, ikigero cya 88.9% cy’inguzanyo zose zari zarasubikishijwe kwishyura cyangwa zavugururiwe amasezerano yo kwishyura zasubiye mu buryo bwo kwishyura neza. Ariko na none, ibyuho by’ingorane biracyagaragara mu bakiriya b’ibigo by’imari bakora ibikorwa bitarazahuka neza ku kigero cy’ubukungu byariho mbere y’icyorezo.

Igipimo mpuzandengo cy’inguzanyo zitishyurwa neza cyagumye kuba hasi kuri 4.6% mu Ukuboza 2021, ugereranyije n’impuzandengo y’ibipimo by’inguzanyo zitishyurwa neza mu bihembwe bitatu bishize by’umwaka wa 2021 cyari kuri 5.4%.

Ibi bivugwa ko byaratewe n’izamuka ry’inguzanyo zose muri rusange, ugereranyije n’izamuka ry’inguzanyo zitishyurwa neza, ndetse n’imyenda amabanki yasibye mu bitabo byayo by’ibaruramutungo kubera kumara igihe kinini itishyurwa.

Muri 2021, amabanki yasibye mu bitabo byayo imyenda ingana na Miliyari 75 z’amafaranga y’u Rwanda, ugereranyije na Miliyari 22 z’amafaranga y’u Rwanda yari yarasibwe mu mwaka wa 2020.

Ikindi kandi, imyenda iri mu cyiciro cy’imyenda irebererwa (imyenda yakererewe kwishyurwa hagati y’iminsi 30 na 90) yarazamutse ku kigero cya 77% igera kuri miliyari 489 z’amafaranga y’u Rwanda mu Ukuboza 2021 (14.2% by’ imyenda yose y’amabanki) ivuye kuri Miliyari 277 z’amafaranga y’u Rwanda mu Ukuboza 2020 (9.3% by’imyenda yose).

Hagati aho, mu rwego rwo guhanga n’ingorane zishobora kubaho ziturutse ku nguzanyo, amabanki yazamuye iteganyirizabihombo ku myenda aho muri 2021, miliyari 48 z’amafaranga y’u Rwanda ziyongereye ku yari yarateganyijwe arazamuka agera kuri miliyari 189 z’amafaranga y’u Rwanda mu Kuboza 2021, bituma igipimo mpuzandengo cyo guteganyiriza ibihombo ku nguzanyo kizamuka kigera ku 119.8% muri 2021 kivuye ku 106.3% muri 2020.

Kwishyurana ku ikoranabuhanga bikomeje gukora neza, kandi   biratekanye

Muri iki gihe inama yaganiriyeho, abakoresha uburyo bwo kwishyurana hakoreshejwe ikoranabuhanga banini n’abatoya bakomeje gukora neza, nta ngorane zidasanzwe zigaragara. Banki Nkuru y’u Rwanda yakomeje amavugurura ya sisitemu ifasha mu buryo bwo kwishyurana (RIPPS) byitezwe ko ayo mavugurura azongera ubudahungabana bw’ibikorwa byo kwishyurana, n’umutekano ku bakoresha uburyo bwo kwishyurana bunini.

Ku bakoresha uburyo bwo kwishyurana buciriritse, ikoranabuhanga rya telefone ngendanwa ryakomeje gufasha mu gushyigikira uburyo budakoresha kashi mu kwishyurana kandi bugera kuri bose, aho ryakomeje kongera ikoreshwa ry’uburyo bwo kwishyura hakoreshejwe ikoranabuhanga. Ariko na none, izamuka ry’uburyo bwo gukoresha ikoranabuhanga mu kwishyurana ryazamuye ingorane muri uru rwego, cyane cyane izishingiye ku mutekano w’ikoranabuhanga ndetse n’ikomeza ry’imirimo muri rusange.

Nubwo hakiriho ibyuho by’ingorane cyane cyane ibishingiye ku nguzanyo, urwego rw’imari ruzakomeza gukora neza no kutajegajega rushingiye ku bwizigame buhagije ku mari shingiro ndetse no ku mutungo ushobora kuvunjwa amafaranga.

Banki Nkuru y’u Rwanda irajwe ishinga no gukomeza gukurikirana no kugenzura ahantu hose hashobora gukomoka ingorane mu rwego rw’imari kandi izakomeza gushyira mu bikorwa ingamba zikwiye kandi mu gihe nyacyo mu rwego rwo gukomeza gushyigikira ubutajegajega bw’urwego rw’imari.

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