Imari shingiro isabwa ku mabanki n’ibigo by’ubwishingizi mu Rwanda yazamuwe

Banki Nkuru y’u Rwanda (BNR) yatangaje izamuka ry’imari shingiro isabwa kugira ngo banki cyangwa ikigo cy’ubwishingizi cyemererwe gukorera mu Rwanda.

Nk’uko byatangajwe mu kiganiro n’abanyamakuru kuri uyu wa Gatanu, imari shingiro isabwa kuri banki y’ubucuruzi yavuye kuri miliyari 5Frw igera kuri miliyari 20 Frw, isabwa banki z’iterambere iva kuri miliyari 3 Frw igera kuri miliyari 50 Frw. Banki zikora nka koperative zo zisabwa miliyari 10 Frw.

Ibigo by’ubwishingizi byavuye ku mari shingiro ya miliyari 1 Frw bigera kuri miliyari 3Frw ku bitanga ubwishingizi rusange na miliyari 2 Frw ku bitanga ubwishingizi bw’ubuzima.

Guverineri wa BNR John Rwangombwa yagize ati “Ibi birafasha urwego rw’imari, bagende bazana indi miyoboro yafasha abanyarwanda kurushaho kwizigamira amafaranga, kandi uko barushaho kwizigamira niko urwego rw’imari rugira ubushobozi bwo kuba babona amafaranga ahendutse batangaho inguzanyo ku gihe kirekire.”

Amabwiriza yagenderwagaho mu kugena imari shingiro ku mabanki yari ayo mu 2008, naho ku bigo by’ubwishingizi yari ayo mu 2009.

Ibigo by’imari iciriritse byo ntibyashyizwe muri aya mabwiriza mashya, ahubwo bizajya mu cyiciro cyihariye ari naho hazashyirwa ibyo bisabwa.

Mu bijyanye n’ubwishingizi, hongewemo ikindi cyiciro kijyanye n’Imiryango ishinzwe kubungabunga ubuzima, Health Maintenance Organisations (HMOS). Kugira ngo uwo muryango wemererwe gutangira uzajya usabwa imari shingiro ya miliyoni 500 Frw.

Hongewemo n’ikindi cyiciro cy’Ikigo cy’ubwishingizi cyishingira ibindi bigo by’ubwishingizi (Reinsurer) gisabwa imari shingiro ya miliyari 5 Frw.

Banki zahawe imyaka itanu yo kongera imari shingiro ariko nibura mu myaka itatu zikaba zigejeje kuri miliyari 15Frw, zikuzuza miliyari 20Frw mu yindi ibiri ikurikira. Ibigo by’ubwishingizi rusange byo byahawe imyaka itatu, iby’ubwishingizi bw’ubuzima bihabwa ibiri.

Rwangombwa yakomeje agira ati “Abenshi mu mabanki yacu bafite imari shingiro uyu munsi irenze kure cyane izi miliyari 20Frw tumaze gushyiraho. Iyo urebye nk’amabanki yaje nyuma ya 2008, yatangiranye na miliyari eshanu ariko kugira ngo ubucuruzi bwabo bukomeze gutera imbere benshi bamaze kongeramo miliyari zirenze 17Frw. Ntabwo tubona ko hari banki izagira ikibazo ku mafaranga yo gushyiramo.”

Mu Rwanda hari banki 11 z’ubucuruzi. BNR ivuga ko enye ari zo zidafite imari shingiro yashyizweho uyu munsi, gusa ngo bizeye ko mu myaka itanu izaba yabonetse.

Umusesenguzi mu by’ubukungu, Teddy Kaberuka yabwiye IGIHE ko kwiyongera kw’imari shingiro ari inkuru ishimishije ku baturage, kuko bizatuma inguzanyo amabanki atanga ziyongera n’igihe abazisaba bahabwa cyo kwishyura kikongerwa.

Ati “Ikigo cy’imari uko kigira imari shingiro nini ni nako kigira ubushobozi bwo gutanga imyenda. Iyo bafite imari shingiro ntoya birumvikana batanga n’imyenda mike kandi mu gihe kigufi kuko nta mafaranga ahagije.Ni nk’umuntu ucuruza afite igishoro gito.”

“Ku bafata ubwishingizi ho, uko ufata ubwishingizi ku kigo gifite imari shingiro nini niko iyo habayeho ikibazo cyatumye utanga ubwishingizi haba hari amahirwe ko urishyurwa kuko nta kibazo cy’amafaranga baba bafite. Iyo bafite imari shingiro nto usanga ari cya gihe batinda kwishyura.”

Kaberuka yavuze ko ku bigo bidafite imari shingiro ihagije, bisabwa ko abanyamigabane babyo bongeramo andi mafafanga cyangwa bigashyira indi migabane ku isoko abafite amafaranga bakayashoramo.