Igurwa ry’ibigo nyarwanda by’ubwishingizi rivuze iki ku bukungu bw’Igihugu?

Abayobozi b'ibigo by'ubwishingizi kimwe n'abasesengura ibirebana n'ubukungu basobanura ko kuba ibigo bimwe na bimwe byihuza cyangwa bigashorwamo imari n'ibyo hanze atari igisobanuro cy'uko byahombye ngo ahubwo ni imwe mu nzira yo kwaguka kwabyo no kongera ubumenyi ku banyarwanda babikoramo.

Mu gihe sosiyete z'ubwishingizi zirushaho kwiyongera kuko zimaze kugera kuri 14 zivuye kuri 2 gusa zariho mbere ya jenoside yakorewe Abatutsi, bamwe mu basaba serivisi muri bene ibi bigo basobanura ko nubwo bitaragera ku gipimo gishimishije usanga abantu bagenda bahindura imyumvire ku bijyanye no gusaba ubwishingizi ubwo ari bwo bwose.

Ganishuri Pacifique, umucurzi wo mu Mujyi wa Kigali ati “Nari nje gufata ubwishingizi bw'ikinyabiziga, i Kabuga harahiye bahita babafasha, Mateus na Nyabugogo harahiye barabafasha ari na yo mpamvu nahise nza gufata assurance uko byagenda kose iyi sosiyete izabimfashamo.”

Annie Chou we yagize ati “Ehhh burya ubwishingizi ni intango y'ubuzima kuko igihe icyo ari cyo cyose ntihabura ikikubaho nk'impanuka. Ndizera ko iyi sosiyete nje gusabamo ubwishingizi izamfasha kubirangiza neza haba ku buzima cyangwa ibindi nakwangiza... Rero ubwishingizi bufite akamaro gakomeye.”

Uku kwiyongera kw'ibigo bitanga serivisi z'ubwishingizi kwagiye kubangikana no kwiyongera kwa serivisi  zitangwa na byo kuko usibye ubwishingizi bw'ibinyabiziga bwihariye 46%, ubwishingizi bw'ubuzima bwo buracyari ku gipimo cya 32% mu gihe mutuel de santé ubwayo abayitanga bari hejuru ya 90%.”

Alex Bahizi, ukuriye ikigo cy'ubwishingizi cya Banki ya Kigali akaba n'umunyamabanga mukuru w'ishyirahamwe ry'ibigo by'ubwishingizi mu Rwanda(ASSAR), asobanura ko hari ubundi bwoko bwa serivisi butahozeho ariko muri iki gihe zikaba zihari bitewe n'ubwiyongere bw'ibigo.

Yagize ati “Impamvu y'ubwishingizi ni uko umuntu aba yagize umutungo cyangwa  ubuzima adashaka ko bumucika cyangwa bwagira icyo buba hakagira umwunganira. Muri iyi mwaka 26 Leta yakoze ikintu gikomeye cyo gukangurira buri Munyarwanda kugira ubwishingizi,  warwara wagira impanuka ukaba ufite ugukurikirana n'ugoboka abawe igihe wabuze ubuzima.”

Yunzemo ati “Hari izishorwamo imari n'abanyamahanga bivuze ko ubukungu buba bwatanze amahirwe yo gushora imari hanyuma n'abashoramari bakabona ari amahirwe abungura aba agomba kumenya ko hari amahirwe ariko hari n'ikimugarukira(inyungu).”

Kuva mu myaka myinshi ishize, hagiye humvikana ibigo by'ubwishingizi byo mu Rwanda ndetse na za banki byagiye bihindura amazina bigafata amazina y'ibigo byo mu mahanga abantu benshi bagatekereza ko byaguye mu gihombo bikagurishwa.

Marc Rugenera ukuriye sosiyete y'ubwishingizi ya Radiant asobanura ko muri business  ibi bisanzwe bikorwa n'ibigo bikomeye mu rwego rwo kuzamura imikorere y'ibigo bikiri hasi, bikaba binafite uruhare mu kongera ubumenyi bw'ababikoramo.

Ati “ Burya ibibazo byo ntibibura mu mwuga uwo ari wo wose. Abanyamahanga iyo babigura burya baba banafite amafaranga menshi, baravuga bati twabikoreraga ahangaha ariko bagashaka kubikorera ku isi hose. Kumva ngo bank yaje igura campany aha ngaha baba bashaka ko amashami yabo yiyongera. Barareba bagasanga iwabo bose bafashe ubwishingizi, ubwo rero bagomba gushakira ahatari ubwishingizi.”

Abasesengura politiki z'ubukungu bw'igihugu bagaragaza ko ibigo by'ubwishingizi bifite uruhare kwiyongera kwa za business kuko abazikora baba bizeye umutekano w'ibyabo igihe byishingiwe, kandi ngo gushora imari muri ibi bigo bifite inyungu ku gihugu hatarebwe ku wayishoyemo uwo ari we wese.

Seth Kwizera, Umuyobozi wa EPRN ati “Uyu munsi cyari ikigo cyitwa gutya, ejo ukumva cyaguzwe cyangwa cyavanze imigabane n'ikindi gihindura n'izina. Ntabwo ari bibi. Muri monde ya business habaho kwigira ku bandi; nubwo urwego rwa insurance yacu rutera imbere hari abateye imbere kuturusha; rero iyo ubonye abandi bagize iterambere muri urwo rwego  baza ari inararibonye icyo bimara ni uko hari ubwenge bwiyongera muri system.”

Banki nkuru y'igihugu igaragaza ko mu mwaka ushize wa 2019, amafranga yinjizwa n'ibigo by'ubwishingizi mu musaruro mbumbe w'igihugu yari kuri miliyari 509.8 mu mu gihe mu mwaka wa 2018 yari miliyari 452.2 z'amanyarwanda. N'ubwo aya mafranga yazamutse ntibibuza ko uru rwego rukiri hasi mu musanzu warwo mu musaruro mbumbe w'igihugu kuko rwihariye 1.7% gusa mu gihe hari ibindi bihugu birimo n'ibya Afurika bageze ku gipimo kiri hejuru ya 10%.

Ku rundi ruhande ibigo by'ubwishingizi byihariye 10% muri serivisi z'imari, rukaba rwaragize izamuka rya 13% hagati ya 2018 na 2019.

Jean Claude MUTUYEYEZU