Uburyo bushya bwo kubona umugenagaciro ugukorera raporo y’agaciro k’umutungo wawe ikomeje gukurura impaka hagati y’abagenagaciro n’ubuyobozi bwabo, ndetse n’uruhande rw’amabanki.
Tariki 15 Mata 2021 Urugaga rw’Abagenagaciro mu Rwanda (IRPV) rwamuritse uburyo bushya bw’ikoranabuhanga bwiswe IGENAGACIRO bufasha umukiliya kubona umugenagaciro.
Uburyo bwakoreshwaga mbere, ukeneye ko umutungo we ugenerwa agaciro yishakiraga umugenagaciro, akamukorera raporo noneho iyo raporo akayishyikiriza abo akeneye kuyiha.
Kuri iyi nshuro, sisiteme nshya y’urugaga ntiyemera ko umukiliya yishakira umugenagaciro, ahubwo umukiliya anyura muri iyo sisiteme akaba ari yo imuha umugenagaciro imuhitiyemo.
Umunyamabanga Nshingwabikorwa w’Urugaga rw’Abagenagaciro mu Rwanda (IRPV), Ganza Patrick, asobanura ko iyi sisiteme ije guhesha agaciro umwuga w’igenagaciro ufitiye runini igihugu.
Avuga ko amabanki n’ibigo by’imari byari byarashyizeho uburyo bwa shortlist, aho ibyo bigo byari byarihitiyemo abagenagaciro bikorana na bo, bigatuma abagenagaciro bamwe bikubira imirimo.
Mu yandi magambo, banki yabaga ifite urutonde rw’abagenagaciro nk’icumi ikorana na bo, umukiliya we ukeneye inguzanyo akoherezwa kuri abo bagenagaciro batoranyijwe.
Ingaruka zabyo zikaba ko umugenagaciro utari ku rutonde rw’abagenagaciro bakorana n’iyo banki akora raporo y’igenagaciro yajyanwa muri iyo banki ikayitera utwatsi, kandi yemewe n’urugaga.
Ganza Patrick avuga ko bitumvikana ukuntu umuntu yaba yemewe n’urugaga yujuje ibyo umugenagaciro asabwa byose, yakora raporo banki ikayanga, bityo sisiteme nshya ikaba ije guca izo ntonde za banki.
Mu bagenagaciro ariko, harimo ibice bibiri: bamwe bashyigikiye uburyo bushya kuko n’abatabonaga imirimo bagiye kuyibona, ariko abandi bakamagana iyi sisiteme bavuga ko igiye kwica umwuga.
Nsabimana Emmanuel ni umugenagaciro ufite ibiro ku Kimironko mu Karere ka Gasabo. Avuga ko ubusanzwe yabaga afite abakiliya benshi kuko bamwishakiraga kuko akora neza, ariko ubu ntibyakunda.
Avuga ko bitumvikana ukuntu sisiteme igenda ikaringaniza umugenagaciro ukora neza n’ukora nabi, bose ikabaha akazi ku buryo bungana, ari umaze igihe mu mwuga n’ukiva ku ishuri bose ikabanganya.
Nsengimana Joseph na we ni wo murongo atekerezamo. We afite ibiro i Remera, avuga ko iyi sisiteme nshya idahagaritswe byarangira afunze ibiro bye, ubwo kandi abakozi akoresha na bo bagatakaza akazi.
Urugaga rw’Abagenagaciro rurimo abantu bize igenagaciro nyirizina (valuation), abize civil engineering ndetse n’abize architecture, aba bose itegeko rigenga uyu mwuga ribemerera gukora igenagaciro.
Abize valuation ariko bakavuga ko iyi sisiteme nshya izabaryamira kuko igiye kubaringaniza n’abize civil engineering bafite ahandi bakora, mu nzego za Leta no mu bigenga, badafite n’umwanya wo kwita ku igenagaciro nka bamwe bize igenagaciro ryonyine.
Nsengimana Joseph avuga ko yari amaze kugwiza abakiliya bitewe n’icyizere bamugirira kuko abakorera neza, none uyu munsi bakaba batemerewe kumugana batanyuze muri sisiteme y’urugaga kandi iyo sisiteme kuyinyuramo bivuze ko ushobora guhabwa umugenagaciro wifuza cyangwa uwo utanazi.
Umunyamabanga Nshingwabikorwa w’Urugaga rw’Abagenagaciro, Ganza Patrick, avuga ko iyi sisiteme ije guca icyo kimenyane cyagaragaraga mu bagenagaciro n’abakiliya babo, aho umuntu yashoboraga kuba akeneye inguzanyo ya miliyoni runaka muri banki, akumvikana n’umugenagaciro umutungo we akawubarira agaciro udafite, noneho byaba ngombwa ko banki iteza cyamunara ikisanga mu gihombo.
Ganza yongeraho ko ndetse hagiye havugwa ruswa hagati y’abagenagaciro n’abakozi bo mu mabanki baboherereza abakiliya, akavuga ko sisiteme nshya izakuraho izo nzira zose za ruswa ndetse n’ikimenyane hagati y’umugenagaciro n’umukiliya we hagamijwe iterambere ry’umwuga.
Nsabimana Emmanuel ariko, avuga ko ibyo bya ruswa bivugwa n’ubuyobozi bw’urugaga atari ukuri kuko nta kimenyetso bubifitiye, agashimangira ko atumva impamvu abanyamwuga bagiye guhinduka abakozi ba sisiteme.
Nsengimana Joseph avuga ko iyi sisiteme nshya nta cyizere ayifitiye, akabishingira ku kuba icungwa n’ubuyobozi bw’urugaga kandi ubwo buyobozi bugize n’abagenagaciro bakeba babo, ku buryo bashobora kwigwizaho ibiraka cyangwa bakabiha inshuti zabo.
Umunyamabanga Nshingwabikorwa w’Urugaga rw’Abagenagaciro ariko, asobanura ko iyi sisiteme nshya icungwa n’ubunyamabanga idacungwa n’abagize inama y’ubutegetsi (BoD) ari na bo bagenagaciro, kandi mu bunyamabanga hakaba nta mugenagaciro urimo.
Hagati aho ariko, Ishyirahamwe ry’Amabanki mu Rwanda (RBA) ryamaze kugaragaraza aho rihagaze, mu ibaruwa riherutse kwandikira urugaga rw’abagenagaciro ryasabye ko iyi sisiteme nshya yakurwaho hagasubiraho iya kera.
Mu mbogamizi RBA igaragaza, ivuga ko sisiteme nshya iha umukiliya umugenagaciro ushobora kuba adakora kinyamwuga, ku buryo aramutse ateje banki igihombo itabona uko imukurikirana.
Ubundi ziriya ntonde z’abagenagaciro bakorana na banki zijya kujyaho, byatewe no kuba hari abagenagaciro bagushaga amabanki n’ibigo by’imari mu bihombo, aho umutungo w’ukeneye inguzanyo wahabwaga agaciro udafite, noneho banki yajya guteza cyamunara ikumirwa.
Mu mikoranire amabanki n’ibigo by’imari byari bisanzwe bigirana n’abagenagaciro mbere y’uko sisiteme nshya y’abagenagaciro ijyaho, harimo n’icyitwa professional indemnity cover, aho umugenagaciro hari amafaranga y’ubwishingizi agomba kuba afite ku buryo nateza banki igihombo izayafata ikiyishyura.
Sisiteme nshya y’urugaga rw’abagenagaciro nta muti itanga kuri indemnity cover. Ubuyobozi bw’urugaga buvuga ko amabanki asaba ko urugaga rwishingira abagenagaciro bose rukabatangira iyo professional indemnity cover, ariko urugaga rugasanga kubigenza gutyo byaba ari nko kwemerera abagenagaciro gukora amakosa kuko bishingiwe n’urugaga.
Umunyamabanga Nshingwabikorwa w’Urugaga rw’Abagenagaciro Ganza Patrick, avuga ko icyo urugaga rukora ari ugushishikariza abagenagaciro kwishakira iyo indemnity cover umuntu ku giti cye.
Ku ruhande rw’ubuyobozi bw’urugaga, buvuga ko nubwo hari abagenagaciro batishimiye iyi sisiteme nshya, abenshi ari abayishyigikiye kandi bikaba bidashoboka ko abantu bose bumva ibintu kimwe, bukavuga ko hari abatinda kwakira impinduka kabone nubwo zaba ari nziza.
Gusa ibivugwa n’abagenagaciro badakozwa iyi sisiteme nshya, bishimangirwa na Kwikiriza Jackson ushinzwe Porogaram (Senior Programs Manager) mu Ihuriro ry’Ibigo by’Imari Iciriritse mu Rwanda (AMIR).
Kwikiriza asobanura ko bidakwiye ko umukiliya ahabwa umugenagaciro na sisiteme kuko sisiteme ishobora kumuha n’udashoboye akazi, bityo raporo ye igateza banki igihombo.
Avuga ko AMIR yandikiye Urugaga rw’Abagenagaciro irusobanurira ko bamwe mu bagenagaciro batari abanyamwuga, ari bwo hashyizweho intonde z’abagenagaciro bemewe n’amabanki n’ibigo by’imari, ni ukuvuga bamwe baba bazwiho ubuhanga mu byo bakora.
Ku bijyanye n’ubwishingizi bw’umugenagaciro (Professional Indemnity Cover), Kwikiriza avuga ko niba urugaga rudashobora kuyitangira abanyamuryango barwo bose, abagenagaciro bakwiye kwishakira ubwo bwishingizi ku buryo ib ihombo bya hato na hato bateza bikumirwa.
