Ubuhinzi ni kimwe mu bikomeje gutekerezwaho muri ibi bihe byo kuzahura ubukungu bw’igihugu bwazahajwe n’icyorezo cya Covid-19, cyane ko abanyarwanda bari hejuru ya 65% batunzwe nabwo.
Mu mwaka ushize ubuhinzi bwabaye ubwa kabiri mu kwinjiriza igihugu ku kigero cya 26% nyuma y’urwego rwa serivisi rwinjije ku kigero cya 46%. Ni muri urwo rwego Unguka Bank ikomeje gukangurira abahinzi n’aborozi gufata inguzanyo z’amafaranga ashorwa mu buhinzi n’ubworozi mu rwego rwo kubuteza imbere.
Mu kunoza neza imiterere y’ubuhinzi, Unguka bank yiyemeje gufasha abahinzi bagahabwa inguzanyo ku nyungu iri hasi cyane ugerereranyije n’ahandi, kandi ingwate ntibe imbogamizi kuko ishobora kuba aho ugiye gukorera (umurima ugiye guhingamo).
Kuva Unguka Bank yatangira muri 2005, yagiye iguriza abahinzi baciriritse dore ko ifite amashami no mu bice bibereye ubuhinzi. Muri 2017, Unguka Bank yakoze ubushakashatsi ku nguzanyo mu buhinzi n’ubworozi isanga ikwiriye gushyiramo imbaraga nyinshi.
Umukozi ushinzwe ubushakashatsi n’iyamamazabikorwa muri Unguka Bank, Tumaini Karekezi Blondel, yabwiye itangazamakuru ko hakozwe ubushakashatsi hagamijwe kureba ubwoko bw’ibihingwa bwahabwa inguzanyo ndetse n’uburyo bunoze zatangwamo ku buryo banki itagwa mu matsa.
Yagize ati “Nyuma y’ubushakashatsi banki yakoze, hakurikijwe n’aho ifite amashami kugeza ubu, inguzanyo yibanda ku buhinzi bw’ibirayi, tungurusumu, gukusanya umusaro w’ikawa ndetse no ku bworozi bw’inkoko n’ubworozi bw’inka. Gusa, ibindi bihingwa nk’urutoki n’imyumbati nabyo byagiye byitabwaho.”
Muri Unguka Bank hari ubwoko bune bw’inguzanyo aribwo: UB-AgriFarm, itanga amafaranga ari hagati y’ibihumbi 100 frw na miliyoni 50 Frw uyahawe yishyura nyuma yo gusarura no kugurisha umusaruro.
UB-AgriHarvest, Umushinga uhabwa amafaranga agera kuri miliyoni 500 Frw ariko atarenze 70% y’igishoro cyose uwaka inguzanyo ateganya gukoresha, akazishyurwa nyuma yo kugurisha ariko bitarenze amezi 12.
Hari kandi UB-AgriInput, muri ubu bwoko bw’inguzanyo amafaranga menshi ashobora gutangwa ni miliyoni 50 Frw mu gihe UB-AgriEquipment itangwa ku bagiye kugura ibikoresho, ho amafaranga menshi y’inguzanyo ashobora gutangwa agera kuri miliyoni 100 Frw.
Unguka yemera ko mu gutanga inguzanyo kuri bumwe muri ubu bwoko bw’inguzanyo bwavuzwe haruguru, uyisaba ashobora gutanga imwe muri izi ngwate: Ubutaka, inzu, ubwizigame n’ubwishingizi.
Uwakanera ibisobanuro yahamagara umurongo utishyurwa washyizweho mu rwego rwo kunoza imitangire ya serivisi 9591 cyangwa agasura urubuga rwa internet rwa Unguka Bank.
Uretse amafaranga ashorwa mu buhinzi bwite, Unguka Bank itanga n’inguzanyo yo kugura imirima, amasambu yo kororeramo ndetse n’ibikoresho cyangwa imashini zikoreshwa mu buhinzi n’ubworozi.
Bimwe mu bigenderwaho ariko mu gutanga inguzanyo harimo kuba uyisaba agomba kuba afite umushinga wizwe neza kandi uteguye mu buryo bunoze, utanga icyizere ko uzunguka, gufunguza konti muri Unguka Bank no gutanga ingwate y’umutungo utimukanwa.
Abadafite ingwate nabo ariko basanzwe bafashwa na BDF binyuze mu bufatanye ibi bigo bisanzwe bifitanye, bashobora kugaragaza imishinga yabo yizwe neza bagahabwa inguzanyo nta nkomyi.
Kugeza ubu Unguka imaze gukorana n’abahinzi-borozi 1,118 mu rwego rwo guteza imbere ubuhinzi n’ubworozi.
Ni kenshi abahinzi bakunze kugwa mu bihombo biturutse ku kurumbya cyangwa imihindagurikire y’ikirere bakagorwa no kwishyura inguzanyo baba barafashe ariko muri Unguka ho ufite ubwishingizi agabanyirizwa inyungu kandi mu gihe agize ikibazo gikomeye mu gihembwe kimwe, biragenzurwa, akaba ashobora koroherezwa akishyura mu gihembwe gikurikiyeho.
