Mu bibazo abaturage bagejeje ku bagize Inteko Ishinga Amategeko ubwo, abadepite bakoraga ingendo zinyuranye hirya no hino mu gihugu muri Werurwe 2022 bagamije gusuzuma imibereho myiza y’abaturage, harimo kuba nta makuru bafite ku bijyanye n’imiterere y’imigabane yabo bari bafite muri Banki y’abaturage yakunze kugenda igurishwa cyane.
BPR Bank yashinzwe mu 1975 yitwa Banki y’Abaturage, igenda igira amashami mu byahoze ari amakomine.
Icyari kigamijwe icyo gihe ni ukwegereza abaturage serivisi z’imari. Abayinjiragamo batangaga umusanzu w’umunyamuryango bakagura udutabo two kuzigama bakabona uko babitsa bakanabikuza.
Mu minsi ishize abadepite bahamagaje Minisitiri w’imari n’igendamigambi kugira ngo atange Umucyo kuri icyo kibazo abaturage bafite ko kuva bagura imigabane muri iyo banki n’inshuro yagiye igurisha nta nyungu bigeze babonaho.
Aba baturage bagagazaga ko kuba iyi banki kuri ubu hahindutse BPR Bank Rwanda Plc igurishwa mu bihe bitandukanye nta nyungu bibagirira kuko ntacyo bo bungukaho.
Minisiteri y’Imari n’Igenamigambi (MINECOFIN) yatangaje ko abanyamigabane ba Banki y’Abaturage y’u Rwanda, yahindutse BPR Bank Rwanda Plc, bashobora kugurisha imigabane yabo kuko ari cyo cyabafasha bitewe n’uko bafitemo amafaranga y’intica ntikize ubaze ku gaciro k’ingano yayo buri umwe afitemo.
Minisitiri w’Imari n’Igenamigambi, Dr Ndagijimana Uzziel, yabigarutse ho ubwo yagiranaga iiganiro Komisiyo y’Ubukungu n’Ubucuruzi mu Nteko Ishinga Amategeko ubwo yahamagarwaga ngo asobanure ibibazo abanyamuryango barimo abamaze igihe kinini muri iyi banki imaze kugurishwa kenshi,kuri uyu wa gatatu tariki ya 1 Kamena 2022.
Abanyamuryango ba mbere bagiyemo nyuma kugeza mu 2007 babaye abanyamigabane nyuma y’uko amashami yose ahujwe ndetse hagakorwa n’izindi mpinduka zatumye ihinduka Banki y’Ubucuruzi. Ibi ngo byemejwe n’Inama rusange y’Ihuriro rya Banki z’Abaturage (Union des Banques Populaire du Rwanda).
Mu bihe bitandukanye Banki y’Abaturage yagiye igurishwa aho kuri ubu yaguzwe na KCB Bank ikitwa BPR Bank Rwanda Plc. KCB ifite imigabane ingana na 87,56% mu gihe abanyamuryango basanzwe bafitemo 12,44%.
Perezida wa Komisiyo y’Ubukungu n’Ubucuruzi mu Nteko ishinga amategeko, Depite Munyangeyo Théogène yavuze ko abaturage bibaza impamvu hari ibikorwa byagiye bikorwa batabigizemo uruhare kandi bafitemo imigabane ndetse batanabigiyeho inama.
Ati “Ikiriho ni uko abanyamuryango bavuga bati ‘nta makuru twagiye tumenya ku byemezo byagiye bidufatirwa’ ubanza ababahagarariye nta murongo wari uhari wo kunyuzamo ayo makuru ngo bajye bayamenya. Abadepite na bo bakibaza ngo ’mu guhinduka icyari kigamijwe ni iki’, bagashaka no kumenya ngo ’ubu abantu bariho n’abatariho, abazwi n’abatazwi bamenya gute amakuru asesuye ko uwafunguraga konti yahitaga aba umunyamigabane?”
“Bakibaza ngo imigabane yacu ihagaze ite? Inyungu zayo ntazo twigeze tumenya ariko noneho hagenda habaho ihererekanya bakumva byaguzwe na banki zitazwi [ubu noneho ubanza baragize amahirwe barumvise iya hafi bari bamaze kumenyera]; mbese umuntu akibaza mu buryo bw’iterambere impamvu ibyo byose byagiye biba.”
Uko Banki y’abaturage yagiye igurishwa
Minisitiri Dr Uzziel Ndagijimana yavuze ko kugurishwa kwa Banki y’Abaturage byagiye bikorwa hagamijwe kongera imari shingiro no gutanga serivisi zisumbuyeho bikaba ngombwa ko andi mabanki aguramo imigabane ndetse akazana n’ubundi buzobere mu micungire y’amabanki mato nk’uko Banki y’Abaturage yari imeze.
Mu 2008, yazamuye umutungo wayo igera kuri miliyari 15 Frw. Yavuze ko icyo gihe hakozwe ibarura ry’abanyamuryango haboneka 590.291 ariko badafite imyirondoro yose bitewe n’ingaruka za Jenoside yakorewe abatutsi yatumye amwe mu madosiye agenda abura.
Mu 2009 hatangiye gahunda yo kugenzura abanyamuryango umwe ku wundi ariko ngo iki gikorwa cyakomeje kuruhanya. Abari bafite imyirondoro yuzuye icyo gihe ngo bari 163.175 bakaba ari bo basaranganyijwe inyungu yabonetse.
Kugeza ubu KCB ifite imigabane ihwanye na miliyari 71,3 Frw naho abanyamigabane basanzwe bafitemo miliyari 10,1 Frw.
Minisitiri Dr Ndagijimana yavuze ko amafaranga abanyamuryango bafitemo ari make ku buryo bisa n’aho nta nyungu bibazanira bityo ko baramutse bagurishije iyo migabane bakavamo ari byo byabafasha.
Ati “Buri munyamuryango amafaranga afite ni make cyane. Gushakisha abataraboneka bizakomeza gukorwa naho abazwi bifuza kugurisha imigabane bazabikora, abifuza gukomezanya n’iyi banki bagumemo.”
“Ni ibintu tubona bishoboka, ntabwo byari byafatwaho icyemezo. Abenshi bafitemo udufaranga duke duke ariko kubera ari umubare munini iyo ushyize hamwe usanga ari amafaranga afatika ariko buri wese afite uwe. Hakwiye kuzagera igihe abamenyekanye bakazagira igihe cyo guhitamo ushaka kugumamo nk’umunyamigabane akagumamo ariko ushaka kugurisha akavanamo amafaranga ye uko yaba angana kose akagira ikindi ayakoresha.”
Depite Karinijabo yavuze ko amakuru yo gusaranganya inyungu ku banyamuryango ashobora kuba atazwi ashingiye ku kuba na we ari umunyamuryango akaba atarayabonye.
Yagize ati “Nanjye ndi umunyamuryango [reka ne kuvuga abandi], biragoye ko twamenya ko iyo nyungu yasaranganyijwe. Nta munyamuryango uzi ngo mfite imigabane iyi n’iyi, umugabane ni amafaranga angana atya, kereka niba bamwe babimenya abandi ntibabimenye ariko ngira ngo ayo makuru ntabwo azwi.”
Depite Ruhakana Albert yavuze ko n’ubundi abanyamuryango bagurishje imigabane yabo nta cyo bakunguka kubera ko amafaranga yabo ari make. Yasabye ko ahubwo bagira andi mahirwe bashyirirwaho nko guhabwa inguzanyo ku nyungu nto.
Minisiteri y’Imari n’Igenamigambi, Dr Uzziel Ndagijimana yavuze ko nubwo amakuru atangwa bishoboka ko atagera kuri bose, bityo ko iki gikorwa kizarushaho gushyirwamo imbaraga.
Ati “Umwanzuro wo kunoza ihererekanyamakuru ni wo, rwose hakwiye kunozwa haba mu gukoresha radio abaturage benshi bumva ndetse no kunyuza amakuru kuri buri shami ku buryo n’abahagenda babisoma.”
Ku bijyanye n’uko hari abanyamuryango bataramenyekana kugeza ubu, yavuze ko igikorwa cyo kubashakisha kigikomeje kugeza mu Ukwakira uyu mwaka. Ku batazamenyekana nyamara harakozwe ibishoboka byose amafaranga yabo azahabwa Leta acungwe hakoreshejwe itegeko ryo gucunga imitungo yasizwe na bene yo.
Rutayisire Théogène ushinzwe guhuza Banki n’izindi nzego muri BPR Bank Rwanda Plc, yavuze ko ibyo gutanga inguzanyo ku banyamigabane biri kwigwaho ariko agaragaza impungenge ko Banki Nkuru y’u Rwanda itemera ko abanyamigabane bahabwa inguzanyo.
Abahagarariye BPR Bank Rwanda Plc basobanuye ko amakuru y’ibikorwa byose atangwa binyuze mu bahagarariye abanyamuryango kuko inzego zibahuza na Banki zitigeze zivanwaho.
