Ibanki ya Republika y'Uburundi

Umuyobozi w'igisata co gucungera ama banki n’amashirahamwe yo kuziganya no kuguranana (microfinances), Simplice Nsabiyumva yaremesheje ikiganiro ku bamenyeshamakuru.

Muri ico kiganiro yasubiye kuvunira akagohe abenegihugu ngo babe maso boye guhombera amafaranga yabo mu mashirahamwe yo kuziganya no kuguranana cane cane ayitwa Groupements Financiers Communautaires.

Nsabiyumva yagize ati: "Haramaze kwibonekeza ama microfinances, cane cane ayo ku rugero rwa kane bita Groupements Financiers Communautaires, akora atisunze amategeko agasaba abantu amafaranga, abemereye inyungu y’umurengera. Abenshi babikora kubera baba bakehaniwe n’amafaranga bakoresha maze bagahitamwo guhendesha abantu inyungu nini babemerera ku mafaranga baba babikije.
Abenshi mu bakora ivyo, bisanga badashoboye gutanga izo nyungu bemeye, bamwe bagahitamwo guhunga".

Yongeye ati, "mu nyuma, ayo mashirahamwe yabo arateba akugara, abenegihugu bagahomberayo utwabo".

Uwo muyobozi asaba abenegihugu kuhabera maso, maze uwo bokwumva abarehësha inyungu zirenga izisanzwe zitangwa ahandi (ibice 7 kwijana ku mwaka muri iki kiringo) bamudomeko urutoke, gutyo, BRB Igarure bikiri hagufi.

Ku kaba nkako, buri kwezi, BRB irashira ku rubuga rwayo ( Site Web) www.brb.bi inyungu ziriko ziratangwa ku mafaranga abitswe mu gisata c'amabanki ingene zingana. Gutyo, umwe wese arashobora kwibonera urugero rubereye.

Ati “Nk'ubu, uwuzokwemerera inyungu y’amafararanga arenga ibice 7% ku mwaka uramwirinda, azoba agomba kubasahura”.

Yaciye asaba ko abenegihugu bogerageza kubera ijisho Ibanki ya Repuburika y’Uburundi mu kudomako urutoke uwo wese yohenda abenegihugu ngo agira abungukire umurengera, kugira BRB irabe ko hari icokorwa amazi atararenga inkombe.

Abajijwe nimba abanyagihugu bahombeye mu ma microfinances, aheruka kugira ibibazo agahagarika ibikorwa, hari ico BRB izobashumbusha, yabakuriye inkoni ku gish*tsi ko ataco bokwitega, kuberako usanga akenshi abo baka inyungu nyinshi baba baratwaye ayo mafaranga y'abenegihugu.

Agasaba Abenegihugu n'Abenamashirahamwe kurikanura mu gucubgera utwabo no mu kwubahiriza amategeko n'impanuro za BRB.

Yaciye agirako amenyesha ko gushika ubu, ama microfinances yo ku rugero rwa kane amaze kwemerwa gukora ari 132 nayo ayo ku rugero rwa mbere n’urwa gatatu yemerewe agera ku 85. Amenyesha ko uretse microfinances zine zitariko zirakora neza izindi zikora neza zisunze amategeko kandi zihagaze neza.
Kubw’ivyo abenegihugu bobandanya bazihurumbira ariko bakaba maso bagakurikiranira hafi ingene ziriko zirakora, harico babonye kitagenda neza bakakimenshesha BRB.

BRB ifadikanije n’umugambi PAIFAR-B w’ishirahamwe FIDA, yaremesheje ikiyago co
gukwemeza Ubuhinga bw’umugambi w’igihugu wo gutuma abanyagihugu bose
bashikira uburyo bw’amafaranga ( Strategie nationale d’inclusion financiere).
Muri ico kiyago nyene hemejwe ubuhinga bw’umugambi w’igihugu wo kwigisha ingene
abantu bokoresha amafaranga(Education financiere).
Nkuko vyashikirijwe n’umuhinga yatanze icirwa, Ihangiro ry’iyo migambi ni
ukworohereza abanyagihugu gushikira n’ugukoresha uburusho butangwa n’ibisata
bikoresha amafaranga nk’amabanki amashiramwe yo kuziganya no kuguranana,
amashirahamwe yo guhanahana amafaranga n’ayandi. No kwigisha ingene abantu
bakoresha neza amafaranga.
Umugambi wo gutuma abantu bose bashikira uburyo bw’amafaranga, uzoshingira
kubintu bine:
1.Guhinyanyura ibijanye n’amategeko ajanye no gutuma bose bashikira uburyo
bw’amafaranga
2.Gukomeza no kwagura ugukora kw’ibisata abantu bose bashobora kuronkamwo uburyo
bw’amafaranga
3.Kugwiza ibisata bikoresha ubuhinga bwa none mu gutuma abenegihugu bashikirwa
n’uburyobw’amafaranga
4.Guteza imbere inyigisho z’ibijanye n’amafaranga no gukingira abaguzi b’ibitangwa
namabanki namashirahamwe yo kuziganya, nk’ingurane, ukuziganya n’ibindi
5.Guteza imbere isoko y’amafaranga yisunga ugukingira ibidukikije, imibereho y’abantu
n’ihindagurika ry’ibihe.
Nayo umugambi wo kwigisha abantu ingene bokoresha uburyo bw’amafaranga
uzisunga ibintu bitaandatu :
1.Guteza imbere Ubumenyi bwisungwa mu burundi mu kwigisha ibijanye namafaranga,
kwigisha kuva hejuru gushika hasi no gukomeza ubushobozi bw’abafatanyabikorwa muruyo
mugambi
2.Gushiraho uburyo kwo kwigisha ivyo gukoresha amafaranga kuva mumashure yintango
gushika muri kaminuza.
3.Kugwiza ugukoresha ubuhinga bwa none mu kwigisha ivyo gukoresha neza amafaranga
kugira ngo bose bashikirwenubwo bumenyi
4.Kwigisha no guhimiriza abantu kumenya uburenganzira bw’umuguzi w’ibitangwa nibisita
bijejwe gutabga uburyo bwamafaranga
5.Kugwiza Inyigisho z’ibijanye namafaranga mutugutunganya amasekeza no gukorana
nibimenyeshamakuru kugira ivyo vyirwa bishikire benshi
6.Gukurikirana neza ingene ivyo bikorwa birangurwa no gushiraho inzego zamaho zo
kubirangura.

Ibanki ya Republika y'Uburundi ihejeje kugabanya Igiciro fatiro (taux directeur) igikura ku bice 12 kw'ijana igishira ku bice 10 kw'ijana.

Poritike Ngengafaranga y'igice ca kane c'Umwaka 2025/2026 izotangazwe kur'uyu wa kane igenekerezo rya 26 ruhuhuma 2026

Uguhanahana amafaranga bigiye kunyaruka gusumba uko vyahora.

Kuri uyu wa kane igenekerezo rya 05 ruhuhuma igihe c’isaha icenda n’igice, ni ho Abahinga barangiza gushira ku rugero mpuzamakungu ubuhinga bwo kurihana hagati y’amabanki n’amashirahamwe n’amazu akorera mu gisata c’uguhanahana amafaranga (ISO 20022) bita ATS.

Ku bw’Umuyobozi mukuru wa BRB, Edouard Normand BIGENDAKO, ngo ni intambwe ikomeye cane mu ndinganizo Ibanki Nkuru irimwo yo kworosha ihanahana ry’amafaranga mu gihugu cacu. Ivyo navyo bikaba biri no muri ya Mbonakazoza y’igihugu cifashe mu 2040, giteye imbere mu 2060.

Iyo ntambwe itumye ubuhinga bwo kurihana bukoreshwa hagati y’amabanki, amashirahamwe yo kuziganya no kugurananana hamwe n’amashirahamwe akora ivy’amafaranga akoresha ubuhinga mpuzamakungu bwa none. Ivyo bizokworosha uguhanahana amafaranga hagati y'Uburundi n'ibihugu vy’akarere eka mbere n’ivya kure.

Ubwo buhinga butuma uguhanahana amafaranga gukingirwa gusumba kandi kwihuta bizotuma kandi abantu benshi bazokworoherwa gukorana n’amabanki.
Ivyo bikaba vyash*tsweko bivuye ku gufashanya kw'abahinga ba BRB yunganiwe n'Ibanki y'isi biciye mu mugambi .

Imirwi mito mito yo kuziganya no kuguranana yo ku mitumba yatangujwe n’amashirahamwe igiye kworoherwa gukora

Inyuma y’inama yagiranye n’abarongoye amashirahamwe mato mato yo kuziganya no kuguranana, ibanki ya Republika y’Uburundi iserukiwe n’Uwutwara igisata gikurikirana ben’ayo mashirahamwe, Alphonse NYOBEWUNSI, kuri uyu wa 29/01/2026, yaragiranye inama n’abaserukira amashirahamwe yataguje, akurikirana canke agafata mu mugongo imirwi mito mito yo kuziganya no kuguranana yo ku mitumba (bita GECI, mu mfunyapfunyo y’igifaransa).
Mur’ ico kiyago, barashirijwe ibiri mwitegeko rigenga amashirahamwe mato mato yo kuziganya no kuguranana bakunze kwita Groupema na cane cane ivyahindutse vyerekeye ayo mashirahamwe.
Kuva ubu, amashirahamwe yatanguje canke akurikirana imigwi mito mito yo kuziganya no kuguranana yo ku mitumba azohora yandikwa muri BRB ko yemerewe gukora ivyo bikorwa. Ayo nayo azoheza akurikirane ata nkomanzi iyo migwi mito mito. Gutyo, BRB izoheza imenye ingene iyo mirwi iriko irakora. Mu kubikora buri shirahamwe rizoza riratanga ivyegeranyo (raporo) vy’ibikorwa n’uburyo bwakoreshejwe n’abanywanyi b’imigwi mito mito yo ku mitumba risanzwe riserukira, gutyo BRB biyorohere kubikurikirana.
Ivyo bizofasha BRB kumenya ingene amashiramwe yitunganije maze bitume ata bikika mu kiza ngo basubire kurenga amategeko no kwiba abenegihugu.
Kugirango ayo mashirahamwe afata mu mugongo imirwi mito mito yo kuziganya no kuguranana yo ku mitumba yoroherwe mu gukurikirana no guteza imbere iyo migwi, BRB iriko irashiraho application yitwa ‘’SAVI MIS’’ iyo nayo ikazofasha kwegeranya ibiharuro vy’ivyakozwe.
Ibiri muriryo tegeko twavuze hejuru mushibora kubiraba muciye aha: www.brb.bi/sites/default/files/2026-01/CIRCULAIRE%20N%2014M26%20PORTANT%20REVISION%20DE%20LA%20CIRCULAIRE%20N%2014M23.pdf

Haherutse gusohoka itegeko rishashasha rigenga amashirahamwe mato mato yo kuziganya no kuguranana bakunze kwita Groupements financiers communautaires.

Kugirango basigurirwe neza ibiri muri iryo tegeko, kuri uyu wa kabiri igenekerezo rya 27 nzero 2026, Ibanki nkuru BRB, yagiranye inama n'abarongoye ayo mashirahamwe.

Muti ibiri muriryo tegeko ni nk'ibihe?

Kugirango ishirahamwe ryandikwe rizotegerezwa:

- Kuba rigide umutahe w'ibanze ungana na miliyoni mirongo itanu.
Ivyo bizotuma atamuntu azosubira kwikika mukiza ngo atanguze ishirahamwe ku mafaranga yatoje mu banywanyi, kuko vyagaragaye ko benshi baca bayora ayo mafaranga bakigira bagasiga abanywanyi bifumbereje.

- Gukwiza abanywanyi bari hagati ya 30 na 300 mu gihe itegeko ryahahora ryasaba ko kugira ishirahamwe ryemererwe ryaba rikwije abanywanyi 100.
Ivyo bizofasha ko ata ntambamyi izosubira kuba kubantu bagomba kwishira hamwe ngo basabe uruhusha rwo gukora badashika ijana canke barenga.

- Nubwo biruko, imbere yo kwandikwa abagize ishirahamwe bazobanza kuzana icerekana ko abatware bo mumicungararo rikoreramwo babazi. Ni mu gihe hariho abahora bikika mu kiza bakiba Abenegihugu utwabo bagaca bagenda mazimayongo.

Mwomenya ko, kuva ubu, ayo mashirahamwe azokurikiranwa na BRB nk'ayandi ma microfinance n'ama banki kandi azonariha n'amafaranga yo gucungerwa nk'uko ama banki abikora.

Ugomba gusoma vyishi muri iryo tekegeko wobisoma uciye ngaha https://www.brb.bi/node/292

BRB ifise imigambi iyihe muri uyu mwaka?

Kuri uyu wa 9 nzero 2026, Ubuyobozi Bukuru bwa BRB bwarakoranije abakozi ba BRB ngo baganire ku migambi nyamukuru n’ vya BRB bisanzwe biri mu ntumbero y’imbonakazoza y’Igihugu (U , Igihugu cifashe mu mwaka wa 2040, Igihugu giteye imbere mu mwaka wa 2060).

Kwari kugirango umwe wese amenye uruhara rwiwe mu bikorwa vya misi yose mu gush*tsa imbonakazoza ya BRB ariyo yo : Kuba Ibanki Nkuru iri ku rugero rw'amabanki Makuru ateye imbere, ifise ubuhinga n'ubushobozi bwoshobora kunagura no guteza imbere ku buryo burama igisata c'amabanki n'ubutunzi.

Mu gushika kuri iyo mbonakazoza, muri uyu mwaka, Umuyobozi Mukuru wa Édouard Normand BIGENDAKO yamenyesheje ko
inguvu zizoshirwa cane cane mu bikorwa bitumbereye ibintu bibiri:
(1) kugorora ibitameze neza mu vy’ ubutunzi kugirango igiciro c’amafaranga mvamakungu kw’isoko yo mu kinywabi kibandanye kigabanuka ;

(2) Gushiraho ibikenewe vyose kugirango ivy'ugukoresha ubuhinga bwa none mu kurihana ( ) bishoboke neza kandi hose mu gihugu. Mbere ivyo bikorwa bikaba bigeze kure.

Mu kubishikako, Abayobozi n'Abakozi biyemeje gukora bashira hamwe bafise intumbero imwe nka Ekipe y'umupira.