Itsinda rya Equity risubira mu mikurire

• Ibishyurwa by’inyungu nyakuri byiyongereyeho 31%
• Umutungo w’inyungu winjije wiyongereyeho 36%
• Inyungu nyuma y’imisoro yiyongereyeho 36%

Nairobi, 12 Gicurasi 2022…. Ubukungu bw’isi bukomeje kwiyubaka nyuma y’ibibazo bya COVID-19, Equity Group yoroheje ingamba zo kwirwanaho yari yarashyizeho mu gihe cy’ubukungu budashidikanywaho maze isubira ku ngamba zayo zo gukura. Izo ngamba zo kwirwanaho zakorwagamo hifashishijwe amafaranga yinjizwa mu nzu, maze hategurwa gutanga inyungu ku banyamigabane mu myaka ibiri ikurikiranye kugira ngo hubakwe ingwate y’amafaranga. Ibi byatumye amafaranga y’abanyamigabane yiyongeraho agera kuri Kshs miliyari 176.2 kuva ku wa 31 Ukuboza 2021 yavuye kuri Kshs miliyari 111.8 ku wa 31 Ukuboza 2019. Ikiguzi cy’ingwate y’amafaranga yageze kuri 6.1% mu mwaka warangiye ku wa 31 Ukuboza 2020, bivuye ku 1.5% ya ngombwa, kugira ngo hongerwe ingwate ku nguzanyo zitatanzwe kuri 98.2%. Igereranyo ry’amafaranga mu Kigo ryiyongereyeho 63.4% kuva ku wa 31 Ukuboza 2021 rikuwe kuri 52.1% ku wa 31 Ukuboza 2019, mu gihe Kigo cyahaga agaciro amafaranga. Igereranyo ry’inguzanyo/amafaranga yashyizeho ryagabanutseho kuva kuri 75.9% ku wa 31 Ukuboza 2019 kuri 61.3% ku wa 31 Ukuboza 2021, hamwe n’ishoramari mu mafaranga n’imigabane ya Guverinoma yiyongereyeho agera kuri Kshs miliyari 636.9 cyangwa 48.8% by’inyandiko y’amafaranga yose, rikuwe kuri Kshs miliyari 258.6 cyangwa 38.4% by’inyandiko y’amafaranga ku wa 31 Ukuboza 2019. Ingamba zo kwirwanaho zashyizweho kandi zikurikiranywa n’iki Kigo mu myaka ibiri ya COVID-19 zacyongereye amahirwe yo kugira ingamba zo gukura neza kandi zishoboka nyuma y’ibibazo bya COVID-19.

Mu mwaka urangiye ku wa 31 Werurwe 2022, umutungo wose w’iki Kigo n’inyandiko y’amafaranga byiyongereyeho 19% kuva kuri Kshs miliyari 1,066.4 bigera kuri Kshs miliyari 1,269.5 ugereranije n’igihe kimwe mu mwaka ushize, mu gihe amafaranga n’ibyayireshya yagabanutseho 31% kuva kuri Kshs miliyari 241 bigera kuri Kshs miliyari 166.4 mu gihe Kigo cyasubiye ku nguzanyo zitangwe. Inguzanyo nyakuri z’amafaranga yiyongereyeho 28% kugera kuri Kshs miliyari 623.6 bivuye kuri Kshs miliyari 487.7, mu gihe ishoramari mu migabane ya Guverinoma yiyongereyeho 50% kugera kuri Kshs miliyari 389.4 bivuye kuri Kshs miliyari 258.9. Ibi byatumye umutungo winjiza inyungu wiyongereyeho 35.7%. Ihindurwa ry’umutungo, kuva mu mafaranga no mu byayireshya bijya mu mutungo winjiza inyungu, byatumye inyungu nyakuri yiyongereyeho 31% kugera kuri Kshs miliyari 19.4 bivuye kuri Kshs miliyari 14.8 hamwe n’inyungu ku mutungo winjiza yiyongereyeho 9.5% ivuye kuri 8.9%. Inyungu y’akazi yiyongereyeho 21% kugera kuri Kshs miliyari 30.9 ivuye kuri Kshs miliyari 25.5 hamwe n’inyungu idafite ingwate igize 37.2% by’inyungu y’akazi.

Amashami y’uturere yakomeje kugira isoko rinini hamwe n’umusanzu w’inyungu yose mu Kigo wiyongereyeho kugera kuri 40% (Kshs miliyari 12.8) uvuye kuri 37% (Kshs miliyari 9.6). Ayo mashami yongereye umusanzu w’inyungu nyuma y’imisoro kugera kuri 30% (Kshs miliyari 3.6) by’inyungu nyuma y’imisoro y’iki Kigo ivuye kuri 21% (Kshs miliyari 1.9). Inyungu ku migabane yiyongereyeho 23.6% ugereranije n’ikiguzi cy’igereranyo cy’amafaranga cya 21%, Equity Bank Uganda na Equity Bank Rwanda zifatanyije na Equity Bank Kenya kugira ngo inyungu ku mutungo igere kuri 4% na yo, naho ubwo umutungo wahindurwaga, amafaranga yagabanutse kuva kuri 60.6% agera kuri 56.9% byerekana uburyo bikiri bishya kandi bigikenewe kugira ngo umutungo uhabwe agaciro neza kandi inguzanyo zongerwe. Ingamba zo gukora neza mu gihe zikomeje, inguzanyo zitatanzwe zagabanutseho kuva kuri 11.3% zigera kuri 8.6% hamwe n’ikiguzi cy’ingwate y’amafaranga kigeze kuri 1.2% naho ingwate ku nguzanyo zitatanzwe yiyongereyeho kuva kuri 87.4% zigera kuri 95%. Guhindura ikoranabuhanga rya Equity byatumye imirimo yakorwaga na wowe ubwawe yiyongera naho ikoreshwa ry’abakiriya ku buryo buhoraho bw’ibiguzi bigabanya ibiguzi no ku buryo bwa gatatu. Uburyo bwakoreshwaga na mbere, burimo amashami n’imashini zikuramo amafaranga, byakoreshejwe kuri 2.9% by’amafaranga yose, mu gihe uburyo bwa none, burimo telefoni, interineti n’uburyo bwa gatatu byakoreshejwe kuri 97.1% by’amafaranga yose byerekana gutsinda kwa ya ngamba y’ikigo. Kwishyura hakoreshejwe telefoni “Pay With Equity” byagize impinduka zikomeye mu bucuruzi, bifasha kwishyura mu buryo bwa none bikaba byongereye ubukungu bwa Igihugu.

Uburyo bwa none bujyanye n’inyungu nyakuri bujyanye n’inyungu yose yiyongereyeho kuva kuri 6.4% bigera kuri 6.8% biturutse ku guhindura neza umutungo, gukora neza kw’amashami, kugabanuka kw’ikiguzi cy’ingwate y’inguzanyo, no kugabanuka kw’ikiguzi cya tekinolojiya, byatumye inyungu zose ziyongereyeho 21% mu gihe ibiguzi by’akazi byose byiyongereyeho 13%. Igereranyo ry’ibiguzi/inyungu ryagabanutseho kuva kuri 49.8% bigera kuri 45.3%. Inyungu nyuma y’imisoro yiyongereyeho 36% kugera kuri Kshs miliyari 11.9 bivuye kuri Kshs miliyari 8.7 mu mwaka ushize. Inyungu ku mutungo yagabanutse kuva kuri 3.3% igera kuri 3.7% hamwe n’inyungu ku migabane yiyongereyeho kuva kuri 25.1% igera kuri 27.4%. Inyungu ku mugabane yiyongereyeho 34% kuva kuri Kshs 2.30 igera kuri Kshs 3.10.

Kubera ingamba nziza z’iki Kigo n’ubukungu n’imibereho y’abaturage bigenda byoroha, iki Kigo cyatangije “Gahunda ya Afurika yo Kwiyubaka no Gukomeza” igamije gufasha urwego rw’abikorera kwiyubaka vuba, kugira icyerekezo no gutera imbere binyuze mu kwiyubaka neza binyuze mu gukomeza.

Equity Group yatanze ingwate ya Kshs miliyari 700 kugira ngo ihingwe miliyoni 5 z’Ubucuruzi Bworoheje, Buto, n’Ubuciriritse (MSMEs) mu gihe igafatanyije na Guverinoma z’igihugu gutanga ubukungu buciriritse buhoraho kugira ngo urwego rw’abikorera rurambe. Equity Group ifatanyije na IFC, urwego rw’abikorera rwa Banki y’Isi, Banki Nyafurika Ishinzwe Iterambere n’Amabanki 10 y’Iterambere ry’Uburayi mu gutanga ingwate no gutanga amafaranga mu rwego rwa mbere mu buhinzi no mu bucuruzi bw’amabuye y’agaciro, urwego rw’inganda, n’ubucuruzi n’ishoramari. Ubufatanye na UN binyuze mu bahagarariye ibihugu 6 dukorera bigamije gufasha mu guteza imbere ubushobozi bw’abakozi b’ama MSMEs kugira ngo hatagira uwasigara inyuma n’ishoramari rikorwa ry’imibereho myiza y’abaturage. Binyuze mu bufatanye na Mastercard Foundation mu bikorwa bya Young Africa Works, harimo kwiga gusoma no kwandika no gutanga amafaranga, gutanga amahugurwa mu bucuruzi, gutanga ingwate y’inguzanyo z’ama MSMEs, aba banyemari miliyoni 5 bazashobora kubyara akazi miliyoni 50 mu buryo bwa hafi n’uburyo bwa kure mu karere. Commonwealth Group yatanze gutangiza ubufatanye na Equity mu kwinjiza Gahunda ya Afurika yo Kwiyubaka no Gukomeza mu Nama y’Abakuru ba Guverinoma ya Commonwealth (CHOGM) mu Rwanda muri Kamena.

Iyi Gahunda ifite intego n’intego eshanu zizagerwaho:

Kongera umusaruro mu rwego rwa mbere mu buhinzi no mu bucuruzi bw’amabuye y’agaciro.

Guteza imbere urwego rw’inganda no kongera agaciro ku rwego rwa mbere kugira ngo hubyazwe ibikoresho by’ubuhinzi n’ibikoresho by’amabuye y’agaciro.

Kongera ishoramari n’ubucuruzi, gukurura amafaranga yo mu mahanga, ayo mu gihugu no mu karere kugira ngo hubyazwe amaduka yo mu gihugu no mu karere asimbura amaduka yo mu mahanga yari yarasenyutse. Gukomeza Ubukungu bwa Afurika mu buryo bwo kwihaza mu by’ubucuruzi hagati y’ibihugu no guteza imbere kohereza ibikoresho by’inganda byahawe agaciro n’umusaruro w’urwego rwa mbere kugira ngo bisimbure ibikoresho bivuye mu mahanga kandi bikabyare inyungu nyinshi mu byo kohereza mu mahanga.

Gufasha ubucuruzi bworoheje, buto, n’ubuciriritse guhindura ibikorwa byabo mu buryo bwa none, kubona amafaranga no kubaka ubushobozi bwo kugira ibigega by’agaciro mu rwego rwa mbere, mu rwego rw’inganda no mu bucuruzi n’ishoramari, ndetse no mu rwego rw’amashanyarazi n’ubwikorezi. Ibi bizagira ingaruka kuri Afurika mu kubona uruhare n’iterambere ry’ubucuruzi n’amafaranga.

Gutanga amafaranga mu rwego rwa kuremera kugira ngo iterambere n’iterambere mu karere bibashe kugerwaho mu buryo bwa kuremera, hakoreshejwe amashanyarazi meza, kuremera ubuzima n’ubukorikori bwa kuremera.

Abayobozi bafite ibitekerezo byiza by’ubucuruzi kubera:

Iterambere ry’amahirwe yo kwihuza mu karere n’iterambere ry’ubukungu hamwe no gukomeza kwiyubaka kw’ubukungu bw’isi bitanga amahirwe yo gukora ibikorwa byiza by’inguzanyo mu gufasha ubuhinzi, inganda, ubucuruzi n’ishoramari mu gusimbura amaduka yo mu mahanga yari yarasenyutse.

Amahira meza yo guhindura neza inyandiko y’amafaranga kubera igereranyo ry’amafaranga rya 56.9% ry’iki Kigo n’igereranyo ry’inguzanyo ku ideni rya 61.3%.

Amahira yo kongera inyungu ku mutungo winjiza inyungu binyuze mu guhindura umutungo n’inyungu nyakuri yiyongereyeho kubera ubushobozi bwo gutanga agaciro ku ngwate y’inguzanyo.

Kugabanuka kw’ikiguzi cy’ingwate y’amafaranga ku buryo bwa ngombwa, bigashyigikirwa n’ingwate zisanzwe n’ingwate zo gufasha.

Amahira yo kugabanuka kw’ibiguzi biturutse ku guhindura ubucuruzi mu buryo bwa none binyuze mu bikorwa bya tekinolojiya, kuva ku buryo bw’ibiguzi bihoraho bw’amashami.

Amahira yo kugabanuka kw’ibiguzi biturutse ku guhindura ibikorwa mu buryo bwa none n’uburyo bwiza.

Evelyn Rutagwenda, Visi-Perezida w’Inama y’Ubuyobozi ya Equity Group (ibumoso), Dr. James Mwangi, Umuyobozi Mukuru wa Equity Group n’umuyobozi wa Equity Group (hagati) na Prof. Isaac Macharia, Perezida w’Inama y’Ubuyobozi ya Equity Group (iburyo) baganira mu Nama y’Abashoramari ya cya mbere 2022 no gutangaza imibare y’amafaranga.

Dr. James Mwangi, Umuyobozi Mukuru wa Equity Group n’umuyobozi wa Equity Group (hagati) yaganiriye na Sam Gitwekere, Umuyobozi w’Ingwate y’Ubukorikori (ibumoso) na Mary Wamae, Umuyobozi Mukuru wa Equity Group (iburyo) mu Nama y’Abashoramari ya cya mbere 2022 no gutangaza imibare y’amafaranga.

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