Banki Nkuru y’u Rwanda, BNR, yatangaje ko urwego rw’imari mu gice cya mbere cy’umwaka wa 2018 rwakomeje guhagarara neza, kuko umutungo warwo wazamutseho 11.2% ukagera kuri miliyari 4,278 Frw, nubwo izamuka ryagenze gahoro kuko umwaka ushize ryari 12.4%.
Ibi byatangajwe nyuma y’Inama ngarukagihembwe y’Akanama Gashinzwe ubusugire bw’urwego rw’imari (Financial Stability Committee, FSC) kuri uyu wa 26 Nyakanga, yagaragaje ko kugeza muri Kamena 2018 urwego rw’imari rwari ruhagaze neza haba ku mabanki, ibigo by’imari iciriritse n’ibigo by’ubwishingizi.
BNR yatangaje ko umutungo w’amabanki wazamutseho 9.8% ukagera kuri miliyari 2,824Frw, gusa iri zamuka riri munsi ya 12.9% ryagaragaye kugeza muri Kamena 2017.
Yakomeje igira iti “Inyungu y’amabanki nyuma yo kwishyura imisoro yavuye kuri miliyari 21.5Frw muri Kamena 2017 igera kuri miliyari 22.9 Frw muri Kamena 2018. Muri icyo gihe kandi inyungu y’ibigo by’imari iciriritse yavuye ku gihombo cya miliyari 0.12 Frw igera ku nyungu ya miliyari 3.3Frw.”
“Ku rundi ruhande, inyungu y’ibigo by’ubwishingizi byigenga nayo yarazamutse igera kuri miliyari 2.7 Frw mu gice cya mbere cy’umwaka wa 2018 ugereranyije na miliyari 0.6 mu gihe nk’icyo mu 2017.”
Izamuka ry’iyi nyungu ngo ahanini rishingiye ku buryo bwashyizweho mu kugaruza inguzanyo banki zitanga n’izamuka ry’amafranga asohoka riri munsi y’amafaranga yinjizwa, haba ku mabanki n’ibigo by’imari iciriritse.
Yakomeje igira iti “Inguzanyo zitishyurwa mu mabanki zaragabanyutse ziva ku 8.2 zabarwaga muri Kamena 2017 zigera kuri 6.9% muri Kamena 2018, mu gihe mu rwego rw’imari iciriritse zagabanyutse zikava kuri 12.3% zikagera ku 8%.”
Ibyo ngo byatewe ahanini n’uburyo ubukungu bw’igihugu muri rusange bwifashe neza mu gihembwe cya mbere cya 2018 ndetse na banki zitandukanye zikaba zarahagurukiye ikibazo cy’inguzanyo zishyurwa nabi.
Binashingira ku buryo n’ibigo by’ubwishingizi byakomeje kwitwara neza urebye ku mafaranga byinjije n’ayo byagiye bisohora byishyura abishinganishije cyangwa bashinganishije ibyabo.
BNR kandi yagaragaje ko banki cyangwa ibigo by’imari iciriritse, bifite amafaranga ahagije ku mari shingiro yo gukomeza gukoresha mubikorwa byabo.
Urebye uburyo izindi nzego z’imari zazamutse mu mezi atandatu ya mbere ya 2018, urw’imari iciriritse rwazamutseho 14.3% (mu 2017 yari 7.6%) rugera kuri miliyari 283Frw, urw’ubwishingizi ruzamuka 15.4% (mu 2017 yari 10.2%) rugera kuri miliyari 423Frw naho urw’ubwiteganyirize ruzamuka 19.2% (mu 2017 yari 8.2%) rugera kuri miliyari 749Frw.
BNR yanzuye ko urwego rw’inguzanyo rukeneye gukomeza gukurikiranirwa hafi haba mu mabanki n’ibigo by’imari iciriritse. Yagaragaje ko hari icyizere ko n’aho inyungu itazamutse, ko hari impinduka bitewe n’izamuka ry’ubukungu, impinduka mu mitangire y’inguzanyo no gukurikirana izatanzwe.
Kugeza ku wa 31 Werurwe 2017 BNR yabaruraga ibigo by’imari iciriritse bigera kuri 18, Umurenge Sacco 416, Ibigo byo kubitsa no kuguriza bitari UMURENGE SACCO 38; mu gihe kugeza ku wa 31 Kamena 2017 habarurwaga banki z’bucuruzi 11, banki ziciriritse enye, Banki y’Iterambere imwe, na Cooperative Bank imwe.
Mu bigo by’ubwishingizi, kugeza ku wa 30 Gicurasi habarurwaga ibigo bya leta (RSSB na MMI) n’ibigo byigenga 14.
Ubushakashatsi bwakozwe ku buryo Abanyarwanda bagerwaho na serivisi z’imari, FinScope Survey 2016, bwagaragaje ko 89% bagerwaho na serivisi z’imari, barimo 26% bakoresha amabanki, 65% bagakoresha ubundi buryo nka Konti za telefoni, Umurenge Sacco, Ibigo by’ubwishingizi n’ibigo by’imari iciriritse, mu gihe 72% bakoresha uburyo bw’imari butanditse nk’ibimina no kugurizanya mu matsinda.
