Numida yinjiye ku isoko ry’u Rwanda izanye igisubizo cyihuse ku kibazo cy’inguzanyo ku bacuruzi bato

Ikigo cy’imari gikoresha ikoranabuhanga Numida cyatangije ku mugaragaro ibikorwa byacyo mu Rwanda, kije guhangana n’ikibazo gikomeye cy’inguzanyo ku bacuruzi bato n’abaciriritse.

Iki gikorwa cyitabiriwe n’abayobozi barimo abo muri National Bank of Rwanda (BNR), kikaba kigaragaza icyizere cy’inzego z’imari ku ruhare Numida ishobora kugira mu kuzamura ubukungu bushingiye ku bikorera.

Numida ibaye isoko rya gatatu yinjiyeho nyuma yo gutangirira muri Uganda mu 2017 no kwagukira muri Kenya mu 2023. Kwinjira mu Rwanda mu 2026 byerekana urugendo rukomeje rwo kwagura ibikorwa byayo muri Afurika y’Iburasirazuba, aho biteganyijwe ko izakomeza no kugera mu bindi bihugu biri mu nzira y’iterambere nka Tanzania, Ghana na Nigeria mu gihe kiri imbere.

Inguzanyo idasaba ingwate: impinduka ku bacuruzi bato

Nk’ikigo cyemewe nk’itangiriro ritakira amafaranga (non-deposit taking institution), Numida itanga inguzanyo z’ikorwa (working capital) binyuze kuri telefone igendanwa gusa.

Icyihariye kuri izi nguzanyo ni uko:

• Nta ngwate isabwa
• Nta muntu w’ingwate (guarantor) usabwa
• Nta mpapuro nyinshi zisabwa
• Nta statement za banki zisabwa

Usaba inguzanyo asabwa gusa:

• Indangamuntu
• Konti ya Mobile Money iri mu mazina ye
• Icyemezo ko amaze nibura amezi 6 akora ubucuruzi

Inguzanyo zitangwa ziri hagati ya 80,000 Frw na miliyoni 12 Frw, kandi zishobora kugera ku wayisabye mu masaha 24 gusa.

Ikibazo si ukugera ku serivisi, ni uko zidakoreshwa

Umuyobozi ushinzwe kugenzura ibigo by’imari bidafata amafaranga muri BNR, James Rwagasana, yavuze ko n’ubwo Abanyarwanda benshi bageze ku serivisi z’imari, ikibazo kigihari kiri mu kuzikoresha cyane cyane inguzanyo.

“Uyu munsi 92% by’Abanyarwanda bafite uburyo bwo kugera kuri serivisi z’imari, ariko ikibazo kiri mu kuzikoresha cyane cyane kubona inguzanyo. Twishimiye kubona abakinnyi bashya bazafasha kugabanya icyuho gihari.”

Ibi bihura n’ubushakashatsi bwerekana ko umubare w’ababona inguzanyo ugikiri hasi ugereranyije n’abafite konti cyangwa bakoresha mobile money.

Ikoranabuhanga ryorohereza ba rwiyemezamirimo

Umuyobozi Mukuru wa Numida, Mina Shahid, yavuze ko bashyize imbere koroshya inzira yo kubona inguzanyo.

“Ntidusaba ingwate cyangwa guarantors, nta bank statements dusaba. Twashatse ko umucuruzi yibanda ku kazi ke aho guhangayikishwa no gusaba inguzanyo.”

Yongeyeho ko mu mezi ya mbere bakoreye mu Rwanda, bageze ku kigero cyo kwishyurwa ku gihe kirenga 93%, bingana n’ibyo bagezeho muri Uganda na Kenya.

Intego: gufasha abacuruzi 5,000 mu mwaka umwe

Mu 2026, Numida ifite intego yo gufasha nibura abacuruzi 5,000 mu Rwanda, itanga inguzanyo zingana na miliyoni imwe y’amadolari.

Kuva yatangira mu 2017, imaze gutanga arenga miliyoni 150 z’amadolari mu bihugu ikoreramo.

Si ugutanga inguzanyo gusa, kuko ifite n’umugambi wo gutangiza:

• Konti zo kwizigamira
• Izindi serivisi z’imari zifasha ubucuruzi gukura

Intego y’igihe kirekire ni ugufasha ba rwiyemezamirimo miliyoni imwe muri Afurika kugera ku nzozi zabo.

Icyizere ku bukungu bw’u Rwanda

Kwinjira kwa Numida ku isoko ry’u Rwanda biteganyijwe ko bizongera ihangana mu gutanga inguzanyo hifashishijwe ikoranabuhanga, bikazatuma:

• Inyungu ku nguzanyo zigabanuka
• Serivisi zirushaho kunozwa
• Abacuruzi bato barushaho kubona ubushobozi bwo kwagura ibikorwa

Ibi bihura n’intego z’u Rwanda zo guteza imbere ubukungu bushingiye ku guhanga udushya no gushyigikira abikorera.

Mu gihe u Rwanda rukomeje kwiyubaka nk’ihuriro ry’ikoranabuhanga n’ubucuruzi muri Afurika, kwinjira kwa Numida ni indi ntambwe ikomeye izafasha ba rwiyemezamirimo bato kubona amahirwe yo gukura, kwihaza no gutanga imirimo.

By: Florence Uwamaliya