Ese kuki hari abanyeshuri bo muri Kaminuza bavuga ko “Bourse” itabanyuze?

Kuba umunyeshuri yatsindiye umwanya wo kwiga muri Kaminuza, cyane cyane avuye mu muryango wari usanzwe udafite amikoro ahagije, biba ari amahirwe akomeye. Ibyo bikarushaho kuba byiza iyo hiyongereho kugenerwa amafaranga azajya amufasha mu buzima bwe bw’ishuri.

Gusa n’ubwo bimeze bityo ariko, hari bamwe mu banyeshuri bo muri Kaminuza y’u Rwanda, ishami rya Huye, bavuga ko amafaranga bagenerwa mu rwego rw’inguzanyo yo kwiga atakibahaza bitewe n’ikiguzi cy’ubuzima cyiyongereye.

Ibi byagaragajwe mu nkuru ya Taarifa Rwanda yasohotse ku wa 1 Ukwakira 2026, aho abanyeshuri bagaragaje uko amafaranga agenerwa umunyeshuri ashira mu gihe gito, ndetse bamwe bagahura n’ibibazo mu gushaka andi mafaranga yo kubaho.

Frw 40,000 umunyeshuri agomba kubeshwaho n’ayo ?

Taarifa Rwanda yaganiriye na Obed Mfitumukiza, umunyeshuri w’imyaka 21 ukomoka mu Murenge wa Muhoza mu Karere ka Musanze, wiga muri Kaminuza y’u Rwanda, ishami rya Huye.

Uyu munyeshuri yavuze ko mbere yo kujya muri Kaminuza yari asanzwe afashwa n’umuryango we, ariko amaze kubona amahirwe yo kwiga ahabwa inguzanyo yo kumufasha mu mibereho ya Kaminuza, byamusabaga kwiga no kwiyobora mu gukoresha ayo mafaranga atari amuhagije.

Mfitumukiza yabwiye Taarifa Rwanda ko umunyeshuri ahabwa Frw 40,000, akaba agomba kuyakoresha mu bintu bitandukanye birimo kurya, icumbi, ibikoresho byo kwigiraho, gufotora inyandiko ndetse n’ibindi bikenerwa mu buzima bwa buri munsi.

Ku bwe, iyo amafaranga abazwe mu byumweru bine, bivuze ko umunyeshuri yagakoresheje hafi Frw 10,000 buri cyumweru kugira ngo Frw 40,000 amare ukwezi.

Gusa avuga ko iyo umaze gukuramo amafaranga y’icumbi, guteka no kurya, ayo mafaranga ashobora kumera nkanyuze mu myanya y’intoki ntumenye uko ashize.

“Icumbi na gazi byonyine bishobora kurenza kimwe cya kabiri cyayo”

Mfitumukiza yatanze urugero rw’uko amafaranga ahabwa ashobora kurangira vuba mbere y’uko ukwezi gushira.

Yabwiye Taarifa Rwanda ati:

“Nk’ubu kongereshamo gazi yo gutekesha iyo ufite icupa ni Frw 12,000; icumbi mbanamo na mugenzi wanjye riri mu kilometero uvuye aho ishuri riherereye turyishyura Frw 28,000 ubwo ngatanga Frw 14,000.”

Iyo Frw 12,000 ya gazi yongewemo Frw 14,000 y’icumbi, biba bivuze ko Frw 26,000 aba amaze gukoreshwa, hasigaye Frw 14,000 yo kwishyuramo ibiryo, gufotora inyandiko, kwambara n’ibindi bikenerwa.

Uyu munyeshuri avuga ko iyo hiyongereyeho amafaranga y’ibiribwa, ayo mafaranga ashobora kumara hafi ibyumweru bibiri gusa.

Hari abavuga ko amafaranga agomba kongerwa

Taarifa Rwanda ivuga ko ikibazo cy’ubuke bw’amafaranga atangwa mu mibereho y’abanyeshuri cyagarutsweho n’abandi banyeshuri, barimo Mugisha Dereck, wiga mu mwaka wa kane mu ishami ry’ibijyanye na Politiki.

Abanyeshuri bavuga ko ikibazo gikomeye ari uko ikiguzi cy’ubuzima gikomeje kwiyongera, nyamara amafaranga bagenerwa yo ntihagire icyongerwaho.

Bamwe bavuga ko amafaranga ashobora kuzamurwa akagera kuri Frw 80,000 cyangwa Frw 100,000 ku munyeshuri ku kwezi, ariko iki ni icyifuzo cy’abanyeshuri, si umubare watangajwe nk’icyemezo gishya cya Leta.

Iyo amafaranga abuze, bamwe bashaka akazi

Taarifa Rwanda kandi yagaragaje ko ubuke bw’amafaranga bushobora gutuma bamwe mu banyeshuri bashaka andi mafaranga yo kubatunga.

Bamwe bakora mu maresitora, abandi bakora imirimo muri za salon, ndetse hakaba n’abashaka indi mirimo itandukanye.

Icyakora, gukora akazi mu gihe uri umunyeshuri bishobora kugira ingaruka ku gihe umunyeshuri yagakoresheje mu kwiga, cyane cyane iyo akazi kamusaba amasaha menshi.

Taarifa Rwanda ivuga ko bamwe mu banyeshuri bahura n’ikibazo cyo kugabanya igihe cyo gusubira mu masomo, bigashobora kubagiraho ingaruka ku myigire yabo.

Ariko hari abavuga ko Frw 40,000 ashobora gutunga umunyeshuri

Nubwo hari abanyeshuri bavuga ko Frw 40,000 adahagije, Uwamariya Chanceline, ufite resitora yakira abanyeshuri hafi ya Kaminuza y’u Rwanda, ishami rya Huye, we yabwiye Taarifa Rwanda ko umunyeshuri ashobora kubona amafunguro y’ukwezi ku Frw 36,000.

Uwamariya avuga ko ikibazo atari amafaranga adahagije, ahubwo ar’uko hari abanyeshuri bifuza kubaho mu buryo burenze ubushobozi bwabo.

Ati:

“Hari benshi mu banyeshuri bisumbukuruza bakarangwa n’ubusongarere bigatuma bifuza kubaho mu buzima butandukanye cyane n’ibyo binjiza.”

Kuri we, umunyeshuri ufite Frw 40,000 ashobora kubaho mu gihe cy’ukwezi iyo yitwaye mu buryo bujyanye n’ubushobozi afite nk’umunyeshuri.

Ibi bigaragaza ko ikibazo cy’amafaranga y’abanyeshuri gishobora kurebwa mu mpande ebyiri: ingano y’amafaranga ahabwa umunyeshuri n’uburyo ayakoresha.

BRD imaze gushora miliyari zirenga 608 mu nguzanyo z’abanyeshuri

Ikibazo cya bourse kandi kigomba kurebwaho mu murongo wacyo wa gahunda y’inguzanyo zo kwiga.

Nk’uko Banki y’Iterambere y’u Rwanda (BRD) yabitangaje, kuva mu 2016 imaze gushora miliyari zisaga Frw 608 muri gahunda yo gutera inkunga abanyeshuri, aho abarenga 142,000 bamaze kubona amahirwe yo kwiga mu Rwanda no mu mahanga.

BRD ivuga ko iyi gahunda atari ugutanga amafaranga y’ishuri gusa, ahubwo ari ishoramari mu bumenyi n’ubushobozi bw’Abanyarwanda, hagamijwe kubaka abantu bazagira uruhare mu iterambere ry’igihugu.

Ikibazo cyo kwishyura inguzanyo na cyo kirahari

Taarifa Rwanda yagaragaje kandi ko hari ikibazo cyo kwishyura amafaranga yatanzwe nk’inguzanyo.

Inkuru yayo ivuga ko mu gihe BRD ivuga ko imaze gushora miliyari zisaga Frw 608, mu myaka icumi ishize amafaranga amaze kwishyurwa yari miliyari Frw 54.8.

Ibi bituma ikibazo cy’inguzanyo z’abanyeshuri kiba atari gusa ikibazo cy’amafaranga ahabwa umunyeshuri uyu munsi, ahubwo kikaba n’ikibazo cy’uburyo ayo mafaranga azakomeza kuboneka ku bazakenera kwiga mu gihe kiri imbere.

BRD yashimangiye ko kwishyura inguzanyo ari ingenzi kuko amafaranga agaruka muri gahunda akongera agahabwa abandi banyeshuri.

Ku bijyanye n’ikibazo cyo kwishyura imyenda, TransUnion Rwanda, ikigo gishinzwe gukusanya amakuru ku myitwarire y’abafite imyenda, na cyo cyigeze kugaragaza ko amakuru y’inguzanyo z’abanyeshuri ari mu makuru akoreshwa muri gahunda y’igenzura ry’imyenda mu Rwanda.

Ese Leta yakongera amafaranga ahabwa abanyeshuri?

Iki ni cyo kibazo gikomeye kiri mu mpaka z’abanyeshuri.

Kuzamura amafaranga ahabwa abanyeshuri bisaba ko harebwa ubushobozi bw’ingengo y’imari, imiterere y’ubukungu n’umubare w’abanyeshuri bagomba gufashwa.

Taarifa Rwanda yagarutse ku mvugo ya Dr Edouard Ngirente, wahoze ari Minisitiri w’Intebe, aho yigeze gusobanura ko ibyemezo bijyanye n’amafaranga ya Leta bigomba kujyana n’ubushobozi bw’ubukungu bw’igihugu.

Abanyeshuri Iranzi Rachid na Muhoza Samilah na bo babwiye Taarifa Rwanda ko mu myaka ishize hari igihe umunyeshuri wa Kaminuza y’u Rwanda yabonaga amafaranga make ugereranyije n’ayo ahabwa uyu munsi, ariko akabasha kuyakoresha mu byo yabaga akeneye.

Amacumbi n’amafunguro muri Kaminuza byafasha kugabanya ikiguzi

Abanyeshuri baganiriye na Taarifa Rwanda bavuga ko ikibazo cy’amafaranga cyagabanywa no kugira ibikorwa remezo bifasha umunyeshuri kutagira amafaranga menshi asohoka buri munsi.

Batanga urugero rw’uko Kaminuza yaba ifite amacumbi ahagije, ndetse n’uburyo bwo gutekeramo no kugaburiramo abanyeshuri ku kigo.

Bavuga ko ibi byatuma umunyeshuri adakoresha amafaranga menshi mu icumbi no mu mafunguro, bityo amafaranga ahabwa akaba yagira ibindi akora.

Ikibazo kiracyategereje ibisobanuro by’abashinzwe amashuri makuru

Taarifa Rwanda yatangaje ko yashatse kuvugana n’abayobozi b’Inama Nkuru y’Amashuri Makuru (Higher Education Council – HEC) kugira ngo bagire icyo bavuga ku kibazo cy’amafaranga abanyeshuri bavuga ko adahagije, ariko ntibabashe kubabona kuri telefoni zabo.

Kugeza ubwo ibisobanuro byabo bibonetse, ikibazo gikomeje kugaragara mu bitekerezo by’abanyeshuri ni ukumenya niba Frw 40,000 ashobora guhaza umunyeshuri wa Kaminuza muri iki gihe, cyangwa niba hakwiye kurebwa ubundi buryo bwo kugabanya amafaranga asohoka ku icumbi, amafunguro n’ibikoresho by’amasomo.

Muri rusange, impaka ku mafaranga ahabwa abanyeshuri ntizishingiye gusa ku kuba amafaranga ari make cyangwa menshi. Zishingiye no ku izamuka ry’ikiguzi cy’ubuzima, uburyo umunyeshuri acunga amafaranga, amafaranga y’icumbi n’ibiribwa, amahirwe yo kubona akazi atabangamira amasomo, ndetse n’uburyo gahunda y’inguzanyo yakomeza gutunga abandi banyeshuri mu gihe kizaza.

Taarifa Rwanda ni yo soko y’ibiganiro n’ubuhamya bw’abanyeshuri byifashishijwe muri iyi nkuru, mu gihe imibare ya BRD ku nguzanyo z’abanyeshuri yagenzuwe ku makuru yatangajwe na BRD.