Muri Gashyantare 2017, BNR yari yafashe umwanzuro wo kuba ihagaritse kwandika ibigo bishya by’ubwishingizi kugira ngo habanze hakorwe amavugurura muri uru rwego no gushimangira ubusugire bw’umurimo w’ubwishingizi.

Amavugurura yakozwe ashingiye ku bijyanye n’amategeko, uburyo ubugenzuzi bw’ibi bigo bugomba gukorwa n’uburyo bugena imiterere y’umusaruro wabyo mu by’imari.

Nyuma y’uko ayo mavugurura akozwe, guhera muri Mutarama 2022 ibigo bishya by’ubwishingizi bizatangira gusaba kuba byakwemererwa kwinjira ku isoko ry’u Rwanda.

Ubu mu Rwanda hari ibigo bya leta bibiri bitanga serivisi z’ubwishingizi. Ibyo ni RSSB na MMI yishingira abari mu nzego z’umutekano.

Ibigo byigenga bitanga serivisi z’ubwishingizi byo ni 12, ikimaze igihe kinini muri byose ni Sonarwa yatangiye mu 1975 mu gihe igiheruka ari Mayfair yahawe uburenganzira bwo gukora mu 2017.

Imiterere y’urwego rw’ubwishingizi mu Rwanda

Urwego rw’ubwishingizi rwihariwe ahanini n’ibigo bw’ubwishingizi bicungwa na Leta. Ukurikije ingano y’umutungo, ibigo bicungwa na Leta bikomeje kwiganza, kuko bifite 63% by’umutungo wose na 43% by’amafaranga y’ikiguzi cy’ubwishingizi y’urwego rwose rw’ubwishingizi.

Ku rundi ruhande, ibigo bw’ubwishingizi byigenga bifite 37% y’umutungo wose na 57% by’amafaranga y’ikiguzi cy’ubwishingizi.

Mu mpera za Kamena 2021, ubwishingizi bw’ibinyabiziga n’ubw’ubuvuzi bwari buhwanye na 63% by’amafaranga y’ikiguzi cy’ubwishingizi yose y’ibigo bw’ubwishingizi byigenga byerekana ibyago bishobora guterwa n’ubucuruzi bwiganje gusa ku bwishingizi bw’ibinyabiziga n’ubw’ubuvuzi.

Ubwishingizi ku mutungo buhwanye 11%, ubwishingizi bwo kurangiza imirimo neza (4%), ubwishingizi bwa ba rwiyemezamirimo ku byakwangirika byose (4%), ubwishingizi bw’impanuka z’akazi (2%), ubwishingizi ku byakwangiriza undi (2%), ubwishingizi bw’ibicuruzwa bikiri mu nzira (1%) n’ubundi bwishingizi rusange (6%).

Ku rundi ruhande, ibigo bw’ubwishingizi bicungwa na Leta bitanga ubwishingizi bw’ubuvuzi buhwanye na 77% by’amafaranga y’ikiguzi cy’ubwishingizi yose yakiriwe ku bwishingizi bw’ubuvuzi (haba mu bikorera ku giti cyabo ndetse n’ibigo bya Leta) na 43% by’amafaranga y’ikiguzi cy’ubwishingizi yose y’urwego rw’ubwishingizi.

Umutungo wose w’uru rwego ni miliyari 637,8 Frw, inyongera ya 16,3% ugereranyije n’uko byari bimeze muri Kanama 2020.

Inyungu ikomatanye (havuyemo umusoro) y’urwego rw’ubwishingizi yariyongereye iva kuri miliyari 21,1 Frw muri Kamena 2020 igera kuri miliyari 32,2 Frw muri Kamena 2021.

Muri uwo mwaka kandi, inyungu ituruka ku bucuruzi bw’ubwishingizi (inyungu ku murimo bwite w’ubwishingizi) ziyongereyeho 53,9 Frw biva kuri miliyari 7,6 Frw bigera kuri miliyari 11,6.

Iyi nyungu yaturutse ahanini ku musaruro w’ishoramari. Muri icyo gihe,
amafaranga y’ishoramari yiyongereye ava kuri miliyari 12, 6 Frw agera kuri miliyari 19,6 Frw.

Amafaranga y’ikiguzi cy’ubwishingizi yiyongereyeho 26,2% muri Kamena
2021 (ava kuri miliyari 78,9 Frw agera kuri miliyari 99,5 Frw) ugereranije n’izamuka rya 7,2% muri Kamena 2020.

Ubwiyongere bw’amafaranga y’ikiguzi cy’ubwishingizi bwagaragaye cyane mu bigo byigenga by’ubwishingizi (haba ubwishingizi bw’ubuzima ndetse n’ubwishingizi rusange) ugereranije n’ibigo bicungwa na Leta, bitanga ubwishingizi bwo kwivuza.

Ku bigo byigenga bw’ubwishingizi, igihombo gituruka ku murimo w’ubucuruzi bw’ubwishingizi cyagiye kigabanuka mu myaka myinshi ishize, kuva ku gihombo cya miliyari 4,2 Frw mu 2017, miliyari 0,9 Frw mu 2019, miliyari 0,4 Frw mu 2020 kugeza ku gihombo cya miliyari 0,2 mu 2021.