Tekereza nko kohereza ikamyo kuzana ibicuruzwa ku cyambu cya Mombasa igahira mu nzira, cyangwa ugafungura iduka riranguza ibikoresho bihenze bigafatwa n’inkongi, cyangwa se inzu yawe y’igorofa y’ubucuruzi igakongoka uyireba.

Aha niho ubwishingizi bugoboka umuntu, uwashinganishije ibye agasubiza agatima impembero mu gihe utarabyibutse kare aba aririra mu myotsi.

Urwo rugendo nirwo Banki y’Abaturage y’u Rwanda, BPR Plc, yiyemeje kunganiramo abacuruzi bakeneye ubwishingizi binyuze muri gahunda yayo ya Insurance Premium Financing (IPF), bakagurizwa amafaranga, bakajya kwishyura ubwishingizi.

Ni umusanzu ukomeye kuko mu Rwanda kwitabira ubwishingizi bw’ibikorwa by’ubucuruzi bikiri hasi cyane, kuri 2.8%. Ni ibintu Banki Nkuru y’u Rwanda isanga ari ikibazo gikomeye, kuko mu gihe cy’amage byasubiza inyuma cyangwa bigahombya burundu abakora ishoramari.

Guverineri wa Banki Nkuru y’u Rwanda, John Rwangombwa, aheruka kubwira RBA ati ’’Umuntu tuvuge agiye kurangura ibintu mu Bushinwa, abishyize ku bwato bigeze mu Rwanda nta bwishingizi na bumwe bifite, ikamyo igeze mu nzira irahiye, wa muntu washoyemo miliyoni 50Frw asigaranye zeru kubera ko atigeze afata ubwishingizi.”

“Ubwishingizi rero bufasha abantu bose kutava ku rwego ruzima bari bamaze kugeraho ngo basubire kuri zeru. Ni ikintu gifasha mu iterambere ry’ubukungu ku giti cye n’iry’igihugu muri rusange, kuko iyo bya bintu bigize ikibazo ukava ku muhanda, ubwo wowe urahombye ariko n’igihugu kirahombye.”

Mu mwihariko wa BPR Plc, ifasha abantu kwishyura bwa bwishingizi, bakagurizwa amafaranga bakeneye kandi ku nyungu nto cyane, ndetse iyo nguzanyo ikemezwa mu gihe gito ku buryo bitadindiza gahunda z’umucuruzi.

Ni amafaranga ashobora kwishyurwa mu gihe kigera ku mezi icumi, bikunganira cyane uwashinganishije ibye kuko aba afite umutekano ku bikorwa bye, n’amahirwe yo gukomeza imirimo ye nta mbogamizi zishingiye ku mafaranga.

Ubwo bwishingizi kandi bushobora gutangwa umuntu watse inguzanyo atabanje gutanga ingwate ku mafaranga ahawe na banki.

Ni amahirwe yagutse kuko BPR Plc ishobora kunganira abantu mu gushinganisha inyubako mu bijyanye n’inkongi y’umuriro cyangwa ubundi bucuruzi, gushinganisha nk’imashini cyangwa ibindi bikoresho, ubwishingizi bw’ibinyabiziga cyangwa andi masezerano umuntu yaba afite.

BPR yashinzwe mu 1975, itangira ari nka koperative igamije gufasha abanyamuryango bayo kuzamura imibereho, kugeza ubwo yahawe ibyangombwa nka banki y’ubucuruzi ikorera mu Rwanda. Kugeza ubu ni banki y’ubukombe mu Rwanda kuko ifite amashami hirya no hino n’abakiliya benshi bakomeje kugendana nayo mu rugendo rw’iterambere.

BPR Plc yunganira abakeneye ubwishingizi bw'ibihe by'amage