Itegeko ry’u Rwanda Rigenga Abantu n’Umuryango rigena ko abagiye gusezerana imbere y’amategeko bahitamo n’uburyo bazacungamo umutungo wa bo, bagahitamo bumwe mu buryo butatu buteganywa n’amategeko ari bwo: ivangamutungo rusange, ivangamutungo w’umuhahano ndetse n’ivanguramutungo risesuye.
Cyakora hari abatungurwa no kumva abagiye gusezerana bahisemo ubundi buryo butari ivangamutungo rusange. Urugero, ni ibyabaye kuwa Kane tariki 30 Kamena 2022, ubwo Umurenge wa Kagarama wo mu karere ka Kicukiro, mu mujyi wa Kigali wasezeranyaga imiryango 20.
Abaturage bari bitabiriye uyu muhango batunguwe no kumva uwitwa HABIMANA Jean de Dieu na Akimana Ernestine bavuze ko bahisemo gusezerana ivangamutungo w’umuhahano mu gihe abandi bose bahisemo ivangamutungo rusange.
Abaturage twaganiriye bavuga ko kuri bo uburyo bwiza ari ugusezerana ivangamutungo rusange kuko ari bwo baba bashimangiye ko bakundana.
Umwe w’umugabo yagize ati “Mba numva nta kabuza mwahitamo ivangamutungo rusange”
Mugenzi we w’umugore yavuze ko iyo umugabo we amusaba ko basezerana ubundi buryo butari ivangamutungo rusanjye “Narikubifata nk’aho atankunda”
Ese gusezerana ubundi buryo butari ivangamutungo rusange byakabaye bifatwa nk’ibidasanzwe?
HABIMANA Jean de Dieu na Akimana Ernestine bo basanga nta warukwiye guterwa ubwoba no gusezerana ubundi buryo butari ivangamutungo rusange.
Habimana yagize ati “Ubu buryo rero ntabwo bwaribukwiye gutera abantu ubwoba.” Impamvu ngo nuko “ivangamutungo w’umuhahano hari ibyo umuntu aba afite n’undi akagira ibye.mugatangira mugashaka ibyanyu noneho bibahuje uko muri babiri.”
Ernestine na we avuga ko “Ntabwo rero abantu bakabaye babigiraho ikibazo ngo bumve ko nta rukundo rurimo. Harimo urukundo ahubwo biterwa n’ikintu mwumvikanyeho kandi mwese mukagihurizaho.” Yongeraho ko “Hari igihe ashobora kuba afite credit (inguzanyo ya banki) kuyishyura bikamunanira, ariko njyewe hari ibyo mfite bikaba byatuzamura mu gihe bateje cyamunara cyangwa habayeho ikindi kibazo.”
Inzego z’ubuyobozi na zo zivuga ko uburyo bwose ari bwiza mu gihe ababuhisemo bubashye ibyo buteganya.
Umutesi Solange ni Umuyobozi Nshingwabikorwa w’Akarere ka Kicukiro. Yagize ati “Iyo ubwubashye bwose ni bwiza. Twebwe dushyigikira amahitamo y’abashyingiranywe. Icyo twe dusaba abantu ni ukugira ngo bubahe ibyo bahisemo.”
Abanyamategeko bo banavuga ko ubu buryo abaturage badakunda guhitamo hari ibyiza bufite mu gihe ubwo bahitamo ku bwinshi na bwo bushobora kugira ingaruka.
SENGOGA Christopher unakuriye ishami ry’uburenganzira n’amategeko mu muryango utari uwa Leta HDI ati “Iyo bavanguye bafite ubucuruzi, iyo umwe yafashe credit (inguzanyo ya banki) bareba bwa bucuruzi bwe gusa ntibareba ubwa bo bombi.”
Ni mugihe iyo ngo basezeranye ivangamutungo rusange usanga bashobora kugirana amakimbirane abaganisha ku gutandukana nyamara bagakomeza guhatiriza kubera gutinya ko bazagabana imitungo bafite.
Sengoga ati “Imitungo barayivanze, agatinya no gutandukana n’umugore, gukora divorce, kuko azi ko imitungo bari buyigabane, bikarangira bicanye.”
Amasezera yo gucunga umutungo hagati y’abagiye kurushinga ni yo ajyena mu buryo bw’amategeko uruhare rwaburi wese kuri uwo mutungo n’uko bazawukoresha mu iterambere ry’umuryango.
Abahitamo ivangamutungo rusange baba bumvikanye gushyira hamwe umutungo wa bo wose, uw’imukanywa n’utimukanywa, ndetse n’amadeni ya bo yose.
Bahitamo ivangamutungo w’umuhahano bakaba bumvikanye gushyira hamwe ibyo bazabona bari kumwe ndetse n’ibyo buri wese yazanye igihe cy’ishyingirwa kugira ngo bibe iremezo ry’ibyo bazabona.
Ni mu gihe ivanguramutungo risesuye bumvikana gufata neza urugo rwa bo ariko buri wese akagumana uburenganzira bwo gukoresha umutungo we uko abyifuza.
Muri ubu buryo bwose, abenshi bahitamo ivangamurungo rusange. Urugero nko mu basezeranye muri 2020, Raporo y’Ibarurishamibare rituruka ku Irangamimerere mu Rwanda, yo muri uwo mwaka, igaragaza ko bari 98%.
