Imikorere yo gutanga inguzanyo irakemangwa bigaha banki Lambert gukora mu mudendezo.

Imvugo ni ingiro bikomeje gusigana mu Rwanda kuko uko bivugwa si ko bikorwa.Umunyarwanda niwe uharenganira kuko nta kirengera aba yabonye.

Inzego zose za Leta zikangurira umunyarwanda n’umunyarwandakazi kugana banki kugirengo bafate inguzanyo biteze imbere.Kugeza ubu ntiharerekanwa abatse inguzanyo uko bangana ,ngo hanerekanwe abayihawe nabatarayihawe? Ba rwiyemezamilimo bo muri Hangumurimo nibo batanga ubuhamya bw’ukuntu bashowe mu ma banki bagafata inguzanyo ibyabo bigatezwa cyamunara.

Abashinzwe gutanga inguzanyo mu ma banki ngo baba basigaye bakora nabi kuko mbere yo kuyitanga babwira uwo bayiha  icyo abasigiramo,kongeraho kuyiguha mu bice ni umushinga wawe wateguye ugahomba. Ibi uwazakenera ibimenyetso yazabaza Uwamwezi Josephine wareganye na Banki ya Kigali. Bamwe mubashinzwe inguzanyo mu ma banki amwe namwe tuganira barabihakanye baratsemba.

Inzego za Leta nizidahagurukira inyungu zakwa abashaka inguzanyo mu ma banki ngo zimenye ikibazo kibyihishemo bizatuma banki Lambert ikora mu mudendezo.Banki Lambert ni uburyo bucuruza amafaranga bukaka inyungu ihenze cyane kugeza n’ubwo ugwatiriza kimwe mubyo utunze utakwishyura kikagurishwa.

Intumwa za rubanda zigeze kugaragaza izo mpungenge kubera inyungu zakwa abashaka inguzanyo muri banki.Ubundi banki Lambert ni iki?umwe mubayikora mu mujyi wa Kigali tuganira yanze ko amazina ye yatangazwa ,ariko ambwira uburyo bakoramo ni uburyo bishyuza abo bahaye amafaranga?Yagize ati”iyo umuntu ashaka amafaranga atanga ingwate nkuyifata muri banki isanzwe,twebwe duhabwa ibikoresho kuburyo iyo ushaka ibihumbi ijana by’amanyarwanda utanga igifite agaciro k’ibihumbi ijana na mirongo itanu ,kugirengo nutishyura tuzagurishe tubonemo ayacu.

Kuko no muri banki utanga inzu ifite agaciro  karenze ayo waka. Twamubajije niba mutanze ibihumbi ijana mwishyurwa gute?Yagize ati”icyumweru ni ibihumbi cumi naho iyo ari ukwezi ni mirongo itatu.Ese ko banki Lambert yamaganwa mwe muyikora mwumva ntabwoba bwuko babahana?Abayica nibo bayiyoboka nibo bakiriya bacu urugero:Umufande utarahembwa araza akaduha ingwate tukayamuha akazayadusubiza,umuyobozi yaba Depite cyangwa Senateri nawe ni uko nonese umwana yananirwa kujya kwiga kandi azi aho yakura amafaranga yakemura ikibazo.Nonese ko mu kazi habamo ingorane mwe ntazo muhura nazo?Twe ntazo kuko turaguriza bakatwishyura.

Mu gihe intumwa za rubanda zigaragaza ko inyungu yakwa ku nguzanyo zitangwa na banki,kugeza niyo nguzanyo batayiherewe igihe bigatumba banki Lambert ibona imikorere barasanga abantu bazahora mu bukene butazashobora gushira. Banki nkuru y’igihugu BNR yerekana ko muri raporo ya 2017/2018 hagaragaye uburyo amabanki yaka inyungu nini kandi ,zo mugihe zaka  inguzanyo batazaka inyungu y’umurengera.Kuki banki zo zirengagiza ko BNR yazihaye inguzanyo itazisabye inyungu y’umurengera zo zayiha umuturage zikamwigirizaho nkana?ninde uzarengera rubanda rwagiseseka?ninde utarurengera?iterambere ryagerwaho gute uwaka inguzanyo asabwa inyungu nini?Ibi rero byatumye gucuruza amafaranga mu ntoki byiyongera kuko uyakenera ukayabona ako kanya utiriwe ujya kwandika usaba.

Umuturage wo mu karere ka Musanze witwa Jean Paul wagannye banki Lambert agakemura ikibazo cyari kimugoye tuganira  twamubajije impamvu yayigannye?Jean Paul ati”Nasabye inguzanyo muri banki y’abaturage banga kuyimpa kandi umwana wanjye yagombaga kujya kwiga hanze ngannye banki Lambert barayimpa none narangije kwishyura,ahubwo banki zitisubiyeho tuzikomereza muri Lambert.Gusa ibi byo kunaniza abashaka inguzanyo ni ukunaniza abashoramali.

Umwe mubakozi ba BNR tuganira yanze ko izina rye rigaragara,ariko namubajije niba we azi banki Lambert?Ansubiza yagize ati”nta rwego na rumwe rutazi banki Lambert kuko buri wese iyo atarahembwa aho kugirango abana baburare urayigana. Namubajije uko baka inyungu banki yafashe inguzanyo muri BNR?Ansubiza yagize ati”BNR yagabanije inyungu itangiraho amafaranga iva kuri 6% muri 2017 ibgera kuri 5,5%.Twashatse kumenya uko banki zo zica inyungu kubafashe inguzanyo?Asubiza yagize ati”impuzandengo ya 17.15% mu 2017/2018ivuye kuri 17.25 muri 2016/2017 ni ubwo habayeho kugabanuka kuri izi nyungu,ari banki zo zishyiriraho inyungu uko zishakiye. Naje kuganira ni umukozi wo muri banki ya Kigali nawe yanze ko twatangaza amazina ye ariko twamubajije impamvu baka abashaka inguzanyo inyungu nini cyane?Ansubiza yagize ati”Niba umuntu aje gushaka inguzanyo ukamwereka uko azishyura akabyemera ukayamuha twe twumva nta kibazo kirimo.

Ahubwo mu Rwanda abagana amabanki babitsa baracyari bakeya ugereranije no mu bindi bihugu byo mu karere. Namubajije niba azi banki Lambert nimikorere yayo?Asubiza yagize ati”Banki Lambert irazwi gusa ikibazo cyayo kigweho kuko isigaye ituma nta bagifata inguzanyo mu ma banki azwi kandi asora.Mu mujyi wa Kigali abacuruzi baciriritse bose bakoresha amafaranga ya Lambert bakishyura.

Umugore umwe ucuruza mu isoko rya Nyarugenge tuganira yantangarije ko yajyaga yumva banki Lambert akagira amatsiko yuwo mukire uguriza amafaranga buri wese,bukeye agize ikibazo mugenzi we aramujyana bamuha ibihumbi Magana atatu yishyura arengejeho mirongo itanu none kugeza ubu ngo ntashobora kongera kugana banki isanzwe kuko imugora.Banki zigabanye inyungu zaka abashaka inguzanyo,kuko  bituma  banki Lambert ibona abakiriya.

Murenzi Louis