Abagaragaza iki kibazo cyane ni abo mu Kagari ka Kageyo mu Murenge wa Mwili wo muri ako karere bavuga ko bamaze igihe kirenga imyaka itatu baratanze amadosiye asaba indishyi ariko kugeza n’ubu bakaba batishyurwa kandi ikigo cya Special Guarantee Fund kigomba kubaha izo ndishyi cyarakiriye dosiye zabo.

Uyu ngo amaze gusinyishwa inshuro eshatu bamwizeza ko bagiye kumuriha ariko amaso ngo yaheze mu kirere.

Tariki 17 Nyakanga 2015 Nzabonikuza Joseph uyobora icyo kigo yadutangarije ko kwishyura ibirarane by’abo izo nyamaswa zoneye bisa nk’ibyarangiye, avuga ko igikurikiyeho ari ukureba ibibazo by’ubwone bushya bw’abaturage bonerwa n’inyamaswa zasigaye hanze ya pariki nyuma y’uko yari imaze kuzitirwa muri Nzeri 2013.

Yagize ati “Tumaze iminsi twishyura ibirarane, bisa nk’aho byarangiye. Gusa hari inyamaswa zasigaye inyuma ya pariki ni zo zicyonera abaturage tukabishyura. Abaturage bari baronewe n’inyamaswa kuva muri 2011 na mbere yaho ndetse no kugeza 2013, bose byabaye ngombwa ko tubishyura, ibyo birarane byose byavuyemo.”

Nyuma y’ibyumweru bibiri uyu muyobozi atangaje ko ibirarane by’abonewe n’inyamaswa za pariki byamaze kwishyurwa, hari abaturage bagaragaza ko bonewe nyamara ntibishyurwa.

Kimwe mu byo binubira ngo ni uguhora babasinyisha bababwira ko bagiye kubashyirira amafaranga y’indishyi kuri konti zabo ntibikorwe, ku buryo ngo hari abamaze gusinyishwa inshuro zirenga eshatu ariko amaso akaba yaraheze mu kirere nk’uko Nizeyimana Faustin wo mu kagari ka Kageyo abivuga.

Nizeyimana ngo ntiyumva impamvu abakozi ba Special Guarantee Fund bajya gusinyisha abaturage ari uko bumvise hari umuyobozi mukuru ugiye kujya Iburasirazuba.

Ati “Baraza bakadusinyisha ngo bazagaruka baje kutwishyura tugategereza tugaheba, bakumva ngo hari umuyobozi wo hejuru werekeje mu Karere ka Kayonza bagatangira kuvuga ngo baratwishyuye. Ubushize Perezida wa Repubulika ajya i Nyagatare baraje baradusinyisha ngo baje kutwishyura bica kuri radiyo ko batwishyuye, kugeza n’ubu nta mafaranga turabona.”

Iki kibazo Nizeyimana ngo agihuriyeho n’abandi benshi barimo na Byaruhanga Agustini uvuga ko hashize imyaka itatu yonewe hegitari ebyiri z’amasaka, na we ngo akaba amaze gusinyishwa inshuro zigera kuri eshatu ngo yishyurwe ariko amaso akaba yaraheze mu kirere.

Nubwo aba baturage bavuga ko basiragizwa n’ikigega cya Special Guarantee Fund mu kubishyura ibyo bonewe n’inyamaswa za pariki, umuyobozi w’icyo kigega avuga ko akenshi impamvu zo gutinda kwishyurwa zituruka ku baturage ubwabo, kuko hari igihe uwishyuza atanga konti itari iye bajya kumushyiriraho amafaranga bagasanga iyo konti idahuje n’umwirondoro w’uwishyuza.

Ati “Hari igihe umuturage yandika nomero ya konti ntayandike neza, cyangwa ugasanga umugabo yatanze nomero ya konti y’umugore we, cyangwa umwana yagerayo bakamwima amafaranga bigasaba kubanza kugenzura kugeza igihe bizakosorerwa amafaranga ye akabona kuyabona.”

Umuyobozi wa Special Guarantee Fund, Bernardin Ndashimye, avuga ko abaturage batinda guhabwa indishyi ahanini biterwa no kuba baba baratanze konti zo kunyuzaho amafaranga zitari izabo.

Bamwe mu bamaze igihe bishyuza ibirarane byabo twavuganye ntibemeranya n’iby’uyu muyobozi avuga. Bemeza ko nta kibazo kiri kuri numero za konti batanze, ahubwo bo ngo baheze mu gihirahiro kuko batazi aho bipfira ndetse ngo nta n’ibisobanuro bifatika bahabwa iyo babajije.

Ngo bagiye bamenyeshwa kenshi ko amafaranga yabo yageze kuri konti bajya kureba bagasanga ntayo ariho, kandi bakemeza ko dosiye batanze nta makosa arimo nk’uko abo twavuganye babyemeza.

Abo baturage bavuga ko gusiragizwa byabashyize mu gihombo bagasaba ko bahabwa igisubizo gifatika, niba bazahabwa indishyi z’ibyo bonewe cyangwa batazazihabwa.

Karekezi Laurent, umwe mu baturage bari bafitiwe amafaranga y’indishyi avuga ko yahamagaraga kuri Special Guarantee Fund abaza iby’indishyi ze rimwe na rimwe bakamwitaba ubundi ntibamwitabe.

Ngo byaje kuba ngombwa ko yigira ku cyicaro gikuru cy’iki kigo maze bamwemeza ko bamwishyuye ariko we akabasobanurira ko nta mafaranga yigeze abona ahamara iminsi itatu yanga kuhava batamwishyuye.

Ngo baje kumusaba urupapuro rwa banki rugaragaza amafaranga aca kuri konti ye (historique) maze bagenzuye koko basanga atarishyuwe bahita bamwushyura amafaranga ye ibihumbi 423 na 750 ndetse banamwishyura ibihumbi 100 by’ingendo yakoze asiragira kuri icyo kigo banamuha n’ibihumbi 63 by’impozamarira kuko batinze kumwishyura.

Karekezi ahagarariye itsinda bita "Abacyahanzara" rigizwe n’abagiye basinyishwa ariko ntibishyurwe ndetse akaba ari na we wabatwariraga dosiye zo kwishyuza kuri Special Guarantee Fund.

Abenshi muri abo bishyuza, nubwo basinyiye ayo mafaranga bavuga ko batabwiwe umubare w’ayo bazishyurwa. Icyo babakoreye ngo ni ukubapimira ubwone nyuma hakurikiraho kubasinyisha ariko nyamara ntibishyurwa.

Ikigega cyihariye cy’ingoboka cyatangiye mu 1975 cyitwa Ikigega cy’ingoboka, ariko icyo gihe cyatangaga ingoboka ku bahohotewe n’ibinyabiziga ndetse no kugobotora ibinyabiziga byafatiriwe ku ngufu.

Mu mwaka wa 2011 ni bwo cyongerewe inshingano zo gutanga indishyi ku bahohotewe n’inyamanswa zo mu gasozi n’izo muri pariki, ari na zo ndishyi abaturage b’i Kageyo bari kucyishyuza.

Cyprien M. Ngendahimana