Dosiye zisaga 800 nizo BNR yatahuye z’abishyuza mu madovize

Banki Nkuru y’u Rwanda (BNR) yatangaje ko imaze gutahura amasezerano y’ubwishyu 863 y’ibigo byishyuza abakiliya amafaranga y’amahanga (Amadevize), mu buryo bunyuranyije n’amategeko.

Ubuyobozi bwa BNR bwavuze ko muri ayo masezerano asaga 290 ashingiye ku bukode bw’inzu z’ubucuruzi.

BNR yasobanuye ko gushyira agaciro mu madevize ari uburyo kompanyi y’ubucuruzi igena agaciro mu mafaranga y’amahanga ubigurisha azahabwa nk’ubwishyu ku bicuruzwa cyangwa serivisi.

Ibyo bikorwa mu buryo bune burimo kwerekana uburyo bwo kwishyura mu madovize, mu kwamamaza bishyizwe mu madevize, kugena ibiciro mu madevize, kumenyesha umukiriya amafaranga azishyura mu nyandiko cyangwa mu magambo, hagaragaza igiciro mu nyemezabwishyu no mu mesezerano cyangwa inyemezabwishyu iri mu madevize.

Muhoza Theogene, Umuyobozi w’agashami gashinzwe kugenzura isoko ry’ivunjisha n’ikoreshwa ry’amadovize muri BNR, yabwiye RBA ati: “Iyo winjiye muri ibi ngibi ububa winjiye mu byo amabwiriza abuza byo gushyiraho ibiciro mu madevize.”

Yunzemo ati: “Ugasanga inzu ndayikodesha nkabwira uyikodesha ngo uzayishyura mu madolari, cyangwa se nkashyiraho amasezerano, havuga ngo uzanyishyura mu Manyarwanda hagendewe ku giciro cy’idolari rigezeho, ibyo na byo ntibyemewe.”

Tariki ya 30 Gicurasi 2025, BNR yatangaje amabwiriza mashya y’imikoreshereze y’amadevize mu gihugu arimo ibihano biremereye ariko akanemerera abishyura cyangwa bishyuza ibyatumijwe hanze cyangwa ibyoherejweyo kubikora mu madevize.

Muhoza ati: “Tujya gusohora rero aya mabwiriza twari tumaze kubona ikibazo gihari, kigira ingaruka kuri rya soko ry’ivunjisha. Mu bushakashatsi BNR yakoze mu bihe bishize yabonye amasezerano (Contract) agera kuri 863, kenshi akozwe mu masezerano y’ubukode bw’inzu z’ubucuruzi. Muri ayo 294 asaba abayakoze ko bagomba kwishyura mu madovize.”

Ni ubushakashatsi bwokorewe mu Mijyi ya Kigali, Rubavu, Musanze na Rusizi.

Ingaruka zo gukoresha amadovize bitamewe n’amategeko Banki Nkuru y’u Rwanda yatangaje ko mu gihe hari abantu bakoresheje amadovize mu buryo butemewe bituma abura ku isoko bityo bikadindiza ubukungu bw’Igihugu.

Muhoza ati: “Niba yari ahari ari makeya, birazamura igiciro, kuko abakeneye ibintu babaye benshi kurusha ibihari, birazamura igiciro. Ibyo rero bituma ya madovize agira agaciro kanini, bikitwa ko yabuze ku isoko ariko si ukubura gutyo ahubwo yari ahari ariko abayakeneye babaye benshi harimo n’abayakeneye mu bitari ngombwa.”

Ni bande bemerewe kwishyuza mu Madevize?

Banki Nkuru y’u Rwanda isobanura ko abantu bemerewe kwishyuza mu mafaranga y’amanyamahanga harimo za hoteli, ibigo byakira cyangwa bitwara ba mukerarugendo n’ibintu bya byabo, abafite kompanyi za kasino n’ibigo byashoye imari mu burezi bifite ibigo byigamo abanyamanyahanga n’amaduka adasora (akorera ku biga by’indege).

Icyakora, BNR ishimangira ko na bwo uwemerewe kwishyura mu madovize abyemerewe ku banyamahanga gusa bamusaba serivisi ariko Abanyarwanda n’abaturarwanda bo ategetswe kubishyuza mu mafaranga y’u Rwanda.

Mugabe Godfred, Umuyobozi w’agashami gishinzwe amategeko y’urwego rw’Imari muri BNR, yagize ati: “Niba ari sisiyete yahawe uruhushya n’urwego rw’Igihugu rw’Iterambere (RGB), yariyemeje gukora ibijyanye no korohereza Abanyamahanga kuba bareba ibyiza by’u Rwanda, na yo yemerewe kugena ibiciro byo kwakira amadovize.”

Ibihano ku bakoresha amadevize mu buryo butemewe

Amabwiriza mashya ya BNR, yashyizwe hanze ku wa 30 Gicurasi 2025 yongerewemo ingingo ivuga ko “kwishyuza cyangwa kwishyura mu madevize ibicuruzwa cyangwa serivisi byatanzwe cyangwa byatumijwe hanze y’Igihugu biremewe.”

Ingingo ya 34 y’amabwiriza ya BNR igaragaza ko umuntu ushyiraho igiciro mu madevize bitewe n’amategeko iyo ari ku nshuro ya mbere ahanishwa ihazabu ya miliyoni 5 Frw byaba ubwa kabiri agahanishwa miliyoni 10 Frw.

Iyo umuntu akoze ibikorwa by’ubucuruzi mu madevize ahanishwa kwishyura 50% by’ayakoreshejwe muri icyo gikorwa, ku nshuro ya mbere; cyangwa akishyura 100% by’ayakoreshejwe muri icyo gikorwa, ku nshuro ya kabiri kuzamura.

BNR ishimangira ko ibihano byishyurwa mu mafaranga y’u Rwanda hakoreshejwe ikigereranyo cy’ivunjisha ryo ku munsi igihano cyafatiweho.

Iyi ngingo isobanura ko “umuntu wese ukoze icyamunara cy’amadevize cyangwa undi wese wabigizemo uruhare, aba akoze ikosa. Banki Nkuru y’u Rwanda iyo ibimenye, imuhanisha igihano cy’amafaranga angana na 50% by’ayakoreshejwe mu cyamunara.”

Icyamunara cy’amadevize ni ipiganwa mu igurisha n’igura ry’amadevize rikozwe mu buryo butaziguye cyangwa buziguye rikozwe n’uwo ari we wese agamije kugurisha ku igipimo cy’ivunjisha cyo hejuru cyangwa kugura ku gipimo cy’ivunjisha cyo hasi.

Umuntu utishyuye amafaranga y’igihano kuri konti yahawe na Banki Nkuru mu minsi 15 uhereye ku munsi yamenyeshejweho igihano, ashyikirizwa Ibiro by’amakuru ku myenda (CRB) kandi agahanishwa 1% ry’amafaranga y’igihano buri munsi w’ubukererwe kugeza igihe yishyuye amafaranga yose.

Ingingo ya 37, iha buri wese inshingano zo kumenyesha Banki Nkuru y’u Rwanda amakuru azi cyangwa yamenyeshejwe yerekeye ibikorwa byo kuvunja amadevize mu buryo butemewe.