FIGA, Ikigega ntasubirizwa mu gushigikira imigambi y’urwaruka

Iki, gitwarwa mu Bushikiranganji bw’Ubutunzi, gifise inzego zibiri ari zo : inama nyobozi yashizweho ku wa 21 Mukakaro 2021 hamwe n’igisata kijejwe itunganywa kigizwe n’umuyobozi hamwe n’abakozi bafashanya. Mbega FIGA kigiye gufasha iki koko ? Umuco

Ikigega co gushigikira no guherekeza imigambi y’urwaruka “FIGA” caramaze kwemerera guha uburyo bungana n’amafaranga y’amarundi 61.500.000 amakoperative 8 y’urwaruka biciye mw’ibanki y’urwaruka “BIJE” kuva mu kwezi kwa Mukakaro guheze. N’aho kiboneka nka gishasha, ikigega “FIGA” ni umugambi watanguye kuva kera. Olga Nyampundu, umuyobozi, avuga ko uwo mugambi uba watanguye gushirwa mu ngiro mu mwaka wa 2015. Aho hambere, harabaye mu gisagara ca Bujumbura imibonano n’inganda zitandukanye zihuza abanyamabanki hamwe n’abatanguza imigambi yabo ariko ntaco vyatanga kiboneka. Ico bihweza cari ukuraba uburyo imigambi n’amashirahamwe matomato canke ayabayabaye yoronka uburenganzira bwo gushigikirwa no kuronka ingurane mu mabanki

Abanyamabanki bavuga ko abatanguza imigambi bazana imigambi itizwe neza, iyo rero ibanki ikaba idashobora kuyironsa ingurane. Aba bazana imigambi na bo bakavuga ko nyabuna amabanki atabagirira icizere. Ntibabibona kumwe. Mu gutorera umuti ivyo, Reta y’Uburundi yaratanguje ku wa 21 Ndamukiza 2015 biciye mw’itegeko, igisata ca Reta kigizwe n’inzego ndongozi citwa “FIGA”. Intumbero nyamukuru ikaba yari iyo gushiraho ikigega co gushigikira, guherekeza no gufasha abatanguza imigambi kuyiga no kuyitegura neza kugira ishobore gutangwa mu mabanki ari imigambi inoboye ibereye guhabwa ingurane mu mabanki. Ariko bivanye n’ibihe Uburundi bwarimwo muri ico gihe, uwo mugambi waciye ubanza kuba urabangiriwe.

Inyuma y’imyaka 6, Reta y’Uburundi ica itanguza umugambi wo guteza imbere amakoperative n’amashirahamwe y’urwaruka n’abakenyezi. Ubonako ubu n’Umukuru w’Igihugu c’Uburundi ahamagarira abantu bose kwitunganiriza imigambi ibafasha kwibeshaho batazeye inze gutyo bagwize umwimbu. Yaratanze icivugo ngenderwako kigira giti : « Umunwa wose uronke ico gufungura kandi n’umufuko wose uronke amafaranga awujamwo ». Ivyo umukuru w’igihugu akaba yabishikirije ku wa 18 Ruheshi 2020 mu gihe yariko arahirira kurongora igihugu, mbere akaba yaciye yemera ko azoshigikira bimwe biboneka amakoperative n’amashirahamwe matomato n’ayabayabaye ataratera imbere cane.

Ikigega “FIGA” congera kunagurwa 

Ni muri iyo ntumbero y’indinganizo nshasha ya Reta kandi ihuye n’ico civugo haciye hashingwa ibanki y’urwaruka (BIJE) hamwe n’ikigo kijejwe guteza imbere amakoperative no kuyaha intumbero (ANACOOP), ibanki y’abakenyezi na yo ikaba irindiriye gutangura.

Ikigega “FIGA” na co gica gisubira gutangura. « Kubera izo ndinganizo nshasha, natwe twaciye dutangura ingendo y’ibikorwa vya “FIGA”, aho “BIJE” na “ANACOOP” baronse ubwishingizi ku bwa “FIGA” » nk’uko bivugwa na Olga Nyampundu Muvy’ukuri, Olga Nyampundu avuga ko “FIGA” ivyo gikora ari ukwishingira n’ugufasha gusaba ingurane ziba zasabwe n’urwaruka n’abakenyezi baba biyegeranirije hamwe mu makoperative n’amashirahamwe.

Rero, intumbero ya “FIGA” ni iyo gufasha abantu bashaka gutanguza imigambi y’iterambere kuronka ingurane muri banki kugira bashobore kuronka uburyo bwo gutanguza imigambi yabo mitomito canke iyibayabaye.

Ubu, “FIGA” gikorana n’ibanki “BIJE” mu kurindira ko n’ibikorwa vy’ibanki y’abakenyezi na vyo bitangura, biciye mu gufasha abatanguza imigambi yabo y’iterambere kuronka ingurane basaba biciye muri iyo banki y’urwaruka.

“FIGA” ikora mu mice 3 : guteza imbere, kwishingira no guherekeza abafise imigambi bashaka gutanguza. Umuce wa mbere ni ugushigikira mu ntumbero yo guteza imbere abafise imigambi bashaka kurangura,

umuce wa kabiri uraba ibijanye no kwishingira no gufasha abafise imigambi bashaka kurangura kuronka uburenganzira ku ngurane yo muri banki. Umuce wa gatatu ni uguherekeza imigambi iriko irarangurwa mu gushiraho ingingo ngenderwako imbere, mu gihe c’irangurwa n’inyuma y’ishirwa mu ngiro ry’umugambi

Gute ho kubijanye n’ingene ikigega “FIGA” gikora?

Olga Nyampundu avuga ko ico kigega cagiriraniye amasezerano yo gukorana n’Ubushikiranganji bw’Ubutunzi. Iyi na yo igaca itanga ubwishingizi bw’imigambi iba yashizwe imbere. Ni urwego rujejwe ivy’ubutunzi rwemeza ingurane ikwiye gutangwa mu migambi yashizwe imbere. “FIGA” ntabwo gikorana imbonankubone n’abo bafise imigambi bariko bashaka kurangura.Oya. Nyabuna aca muri banki hanyuma iyi na yo igasaba “FIGA” kwemera ubwinshingizi.

Kubwa “BIJE”, urwaruka rwishize hamwe mu makoperative rufise umugambi muto canke ubayabaye wegukira urwaruka bitura ibanki “BIJE” kugira ibaronse uburyo. “BIJE” ni yo ica irondera ikigega “FIGA” kugira gitange ubwishingizi kuri uwo yashikirije umugambi ashaka kurangura.

Mwomenya kandi ko amasezerano y’ubwishingizi y’imigambi iba yashizwe imbere hagati ya “FIGA” na “BIJE” yateweko umukono ku wa 25 Ruheshi 2021. Ku bijanye n’igihe vyokwanka ko bishura ingurane, Olga Nyampundu avuga ko ku bigega vyose bitanga ubwishingizi hama hari utuntu dushobora kwitamwo tubangamira ibikorwa. Agira ati: « Mu gutanga ingurane, “BIJE” irashiraho uburyo bwo kwikingira, ariko “FIGA” cemera guhangana n’izo ngorane zokwibonekeza mu gihe umugambi wahawe ingurane utashizwe mu ngiro. »

Agahamagarira rero urwaruka gutanga imigambi babona ko ishoboka ko irangurwa mu ntumbero yo kwirinda guhomvya ikigega. Agira ati: « Birakwiye ko urwo rwaruka rumenya ko ubwo buryo baba bahawe bubwirizwa gusubizwa kugira n’urundi rwaruka rusaba ingurane ruronke uburyo ruhabwa irufasha gutanguza imigambi yarwo »

N’intambamyi ntizibuze 

Ku bijanye n’intambanyi, Olga Nyampundu amenyeshako hoshirwa inguvu mu bijanye no gukarihiriza ubwenge urwaruka rushaka gutanguza imigambi yarwo. Mbere burya ngo urwaruka rusanzwe rufise impano ariko ngo rutazi ko rufise. Agira ati :« Birakwiye ko duhamagarira urwaruka gutegura imigambi ifise akabirya gutyo rukirinda kwigana imigambi y’abandi kuko ivyo bituma baca bahomba. »

Iyindi ntambamyi umuntu atokwirengagiza, ni iyo ubushobozi k’urwo rwaruka n’abakenyezi yo gushobora kwitegurira neza imigambi ishobora guca ironka ingurane muri banki: « Nk’akarorero, ibanki y’urwaruka BIJE iramaze kuronka nk’imigambi ijana y’abashaka kurangura imigambi yabo, ariko muri yo, mike cane ni yo yaronkejwe uburyo kubera ko iyindi usanga itizwe neza. » Anamenyesha kandi ko ikigega “FIGA” kigiye gutangura kuza kiraherekeza urwo rwaruka n’abakenyezi mu migambi yabo nk’uko biri mu mategeko akigenga: « Birategekanijwe mu muce wo guherekeza abafise imigambi bashaka kurangura, ko “FIGA” kibwirizwa gukurikiranira hafi imigambi imbere y’uko irangurwa, mu gihe c’irangurwa n’inyuma y’ishirwa mu ngiro ryayo. » Ivyo rero biba mu ntumbero yo kubafasha gushinga imigambi yabo, kuyikurikirana mu gihe iriko irarangurwa, no gusuzuma iyo migambi yarangutse neza, hanyuma bakagirako biga ibijanye n’ivyokorwa vyotuma iyo migambi iramba.

Kubwa ivyo, “FIGA” kizokorana n’ibigo nka “API”, “BBIN” n’izindi mu ntumbero yo kwigisha no gukarihiriza ubwenge urwaruka n’abakenyezi bo mu ntara zitandukanye z’igihugu c’Uburundi nk’uko bivugwa na Olga Nyampundu.

Ikigega FIGA gifise ingurane iriko irakoreshwa mu migambi y’urwaruka biciye mw’ibanki BIJE ingana 2.340.000.000Fbu. Harategekanijwe kandi ibahasha y’umutekero w’amafranga angana n’imiriyaridi 3 z’amarundi azofasha gushigikira amakoperative n’amashirahamwe y’abakenyezi biciye mw’ibanki yo gushigikira imigambi y’iterambere ry’abakenyezi (BIDF: Banque d’Investissement et de Développement pour les Femmes) ikirindiye gutanguza ibikorwa. Ariko uburyo bwayo buracari buke ugereranije n’ababurondera.