Imibare y’uburyo Abanyarwanda bizigamira ikomeje kuzamuka umwaka ku wundi aho intego ari ukugera kuri 23% mu 2024, mu gihe Ubuyobozi bw’Ishyirahamwe ry’ibigo by’imari mu Rwanda (AMIR), butangaza ko hakiri imbogamizi zituma Abanyarwanda batizigamira uko bikwiye nk’imyumvire, ariko igikomeye kurushaho ngo biterwa n’ibyo abantu binjiza bitanahaza ibyo bakeneye (umushahara muto).

Ubusanzwe kwizigamira biri mu muco w’Abanyarwanda kuva kera kugira ngo bahangane n’ibihe bibi byashoboraga guhungabanya imibereho yabo, n’ubwo u Rwanda cyari igihugu gikennye aho nibura abaturage 60% bari bugarijwe n’ubukene kandi hejuru ya 80 % babeshwaho n’ubuhinzi na bwo butari buteye imbere.

Nyuma ya Jenoside yakorewe Abatutsi mu 1994, Leta y’Ubumwe bw’Abanyarwanda yatangije urugamba rwo kwiyubaka, mu miyoborere no gushyiraho Politiki zo kuzamura ubukungu nka EDPRS I na II ndetse, icyerekezo 2020 hamwe na gahunda yayo yo kwihutisha iterambere (NST1 2017-2024), inashyiraho uburyo bwihariye bwo kubaka serivisi z’Imari binyuze muri gahunda yayo yihariye yo guteza imbere Urwego rw’imari yatangiye mu 2012, ndetse n’izagiye ziyishamikiraho zishishikariza Abanyarwanda kugira umuco wo kwizigamira no kwigira nka Ejo Heza yatangiye 2018, gushyiraho Ikigega cy’iterambere Agaciro Development Fund muri 2012 n’ubundi buryo bwose bwagiye bushyirwaho ngo Urwego rw’imari rutere imbere.

Ishyirahamwe ry’ibigo by’imari mu Rwanda (AMIR) ryateguye ukwezi ko kwizigamira, aho risaba Abanyarwanda kwizigamira no gushora imari mu kwiteza imbere; aho Kwikiriza Jackson uriyobora, avuga ko bafite intero igira iti: ‘Ubwizigame bwawe iterambere ryawe', ikaba igamije gushishikariza abantu kwizigamira kugira ngo batere imbere.

Agira ati:

"Nta muntu watera imbere atizigamiye kandi kwizigamira ntibihagije, ahubwo umuntu agomba no gushora imari kugira ngo yiteze imbere."

Mu Rwanda ubwizigame buri ku kigero kiri hasi, kuko imibare iheruka kugaragazwa mu 2021 bwari bugeze kuri 14%, hakaba hari intego yo kugera kuri 23% mu 2024.

Kwikiriza avuga ko ibibazo biri mu kwizigamira mu Rwanda biterwa n’umuvuduko w’ishoramari uri hejuru, imyumvire y’abantu badashaka kuzigama, ibigo by’imari biri kure y’abaturage bibasaba gukora ingendo ndende bagacika intege, ibi byose ariko bikaba bihagarariwe n’inzitizi ikomeye y’amafaranga abantu binjiza, adahaza ibyo bakeneye bigatuma abantu bagorwa no kubona ibyo kuzigama.

Kwizigamira bihagaze gute mu Banyarwanda?

Kugeza ubu uruhare rw’ubwizigame mu musaruro mbumbe w’igihugu buriyongera aho bwari buhagaze kuri 15% mu 2021 buvuye ku 8% bwariho mu 2015, ndetse bugabanukaho gato ku gipimo cya 14% by’umusaruro mbumbe wa 2022 kubera icyorezo cya COVID-19.

Kugeza ubu hirya no hino mu gihugu habarirwa abantu bari mu matsinda yo kubitsa barenga Miliyoni ebyiri bafite ubwizigame bungana na Miliyari 50 Frw, abazigama binyuze mu Kigo cy’ubwiteganyirize mu Rwanda (RSSB) bagera kuri Miliyoni 3,4 n’ubwizigame bwa Miliyari 164,3 Frw; abo muri Ejo Heza bagera kuri Miliyoni 2,7 bafite ubwizigame bungana na Miliyari 50,6 Frw, hakaba abizigama binyuze mu kigega RNIT Iterambere Fund bagera ku bihumbi 15,5 bafitemo ubwuzigame bungana na Miliyari 33,3 ndetse n’ubundi buryo buhari busanzwe butangwa n’Ibigo by’imari bitandukanye mu Rwanda.

Abahanga mu bukungu basobanura ko igihugu gitera imbere bigizwemo uruhare n’ubwizigame, bityo hakabaho iterambere ryihuse kubera ko haboneka amafaranga yo gukoresha imishinga ibyara inyungu mu gihe kirekire ku kiguzi gito cyane, ni mu gihe kandi kwizigama bifasha mu kubona uburyo bwo guhanga imirimo mishya ku benegihugu, kugabanya imyenda igihugu gikura hanze, kubungabunga agaciro k’ifaranga no gukomeza kugira ubukungu butajegajega.

Ni mu gihe ubushakashatsi (Fin Scope 2020) buheruka kuri serivisi z’imari mu Rwanda, bugaragaza ko Abanyarwanda bagerwaho na serivisi z’imari ku gipimo cya 93% ugereranyije na 100% byitezwe kugerwaho mu 2024, ni mu gihe Leta y’ u Rwanda yifuza ko igipimo cy’ubwizigame cyava kuri 23% by’umusaruro mbumbe biteganijwe mu 2024 kikazamuka kurushaho mu bihe biri imbere, aho intego ari ukuba igihugu gifite ubukungu buteye imbere ku rugero ruringaniye mu 2035 no kuba igihugu gifite ubukungu buteye imbere cyane mu 2050.