Iyi nama yabaye ku wa 19 Gashyantare 2026, ihuriza hamwe inzego za leta, ibigo by’imari, ibigo biharanira iterambere, imiryango idaharanira inyungu, sosiyete sivile, ndetse n’amahuriro y’abantu bafite ubumuga mu Rwanda, yibanze ku mibare ikubiye mu bushakashatsi bwakozwe na AFR, igaragaza uko abntu bafite ubumuga bagerwaho ndetse bakanakoresha serivisi z’imari.

Ubu bushakashatsi bugaragaza ko umubare w’abantu bafite ubumuga batabona serivisi z’imari wavuye kuri 9,6% mu 2020 bagera kuri 8,1% mu 2024, ibi byerekana ko muri rusange abagerwaho n’izi serivisi ari 92,9%.

Nubwo abantu bafite ubumuga bagerwaho na serivisi ari benshi gusa imibare ikubiye muri ubu bushakashatsi igaragaza ko mu kuzikoresha bagiye baganyuka ugereranyije n’ubwaherukaga gukorwa mu 2020.

Ubu bushakashatsi bugaragaza ko umubare w’abantu bafite ubumuga batabasha gusaba inguzanyo muri banki wiyongereye cyane kuko mu 2020 bari ku kigero cya 36,3% gusa mu 2024 bariyongera bagera kuri 46,6%.

Umuyobozi Mukuru Ushinzwe Ubushakashatsi muri Access to Finance Rwanda, John Rwirahira yavuze ko abafite ubumuga bakomeza guhura n’imbogamizi zo kutabona inguzanyo kubera ikibazo cyo kutagira ingwate.

Yakomeje avuga ko indi mpamvu ituma batabona inguzanyo ari ukubera ko ibigo by’imari byinshi bidakunze kubagirira icyizere ndetse no kutagira abakozi bafite ubushobozi bwo kuvugana n’abafite ibyo bibazo.

Ati “Impamvu ituma batabona inguzanyo mu buryo bukwiriye ni ukubera ko banki zidakunze kubagirira icyizere ko bakora ibikorwa bifatika byo kwiteza imbere, ndetse hakabamo n’uko hari ibigo by’imari biba bidafite abafite ubushobozi bwo kuvugana na bo kubera ko haba harimo abafite ubumuga bwo kutavuga no kutumva.”

Ingabire Mukamurenzi Francine ufite ubumuga bwo kutabona akaba asanzwe ari n’umucuruzi, yavuze ko yatangiye akora ubucuruzi bucuriritse ariko mu gihe yari agiye kwaka inguzanyo yo kubwagura agorwa no kubona inguzanyo kubera ubumuga afite.

Yavuze ko banki yamwimye inguzanyo ari yo yari asanzwe abitsamo biba ngombwa ko ajya gushaka uburyo yabona inguzanyo yo kwagura ubucuruzi bwe mu zindi banki.

Mukamurenzi yavuze ko zimwe mu mbogamizi bagihura na zo nk’abantu bafite ubumuga muri rusange harimo ko banki zitabagirira icyizere kandi ko nta gahunda zihariye bajya babagirira nk’ibindi byiciro.

Umuyobozi w’ihuriro ry’imiryango nyarwanda y’abantu bafite ubumuga (NUDOR), Dr. Mukarwego Beth Nasiforo, yagaragaje ko ibigo by’imari bidaha serivisi abantu bafite ubumuga kubera imiterere yabo ndetse ibyo bigaterwa n’imyumvire y’ababikoramo n’ubumenyi budahagije hagati y’umukozi w’ikigo cy’imari n’umuntu ufite ubumuga.

Umunyamabanga Nshingwabikorwa w’Inama y’Igihugu y’abantu bafite ubumuga mu Rwanda (NCPD), Emmanuel Ndayisaba, yavuze ko iyo abantu bafite ubumuga begerejwe serivisi z’imari bigira uruhare mu iterambere ry’igihugu.

Ati “Abantu bafite ubumuga bafite ubushobozi bwo kugira uruhare mu guteza imbere ubucuruzi, gutanga akazi, guhanga ibishya ndetse no mu iterambere ry’igihugu.”