Ubwishingizi nk’ishingiro ry’ubukungu bwa Afurika: Ibiganiro bya Africa CEO Forum 2026

Mu gihe Afurika ikomeje gushaka uburyo bwo kongera ubudahangarwa bw’ubukungu bwayo, inama ya Africa CEO Forum 2026 iri kubera i Kigali kuva tariki ya 14 na 15 Gicuransi, yahindutse urubuga rukomeye rwo kuganiriraho uko urwego rw’ubwishingizi rwashyirwa ku rwego rw’ibikorwaremezo by’ingenzi nk’imihanda, amashanyarazi n’ikoranabuhanga.

Abayobozi mu nzego z’imari, ubwishingizi n’ubuyobozi bwa za banki nkuru z’ibihugu bagaragaje ko ubwishingizi budakwiye gufatwa nk’ikorwa ryo ku ruhande, ahubwo bukwiye gufatwa nk’urufunguzo rw’iterambere rirambye.

Ubwishingizi nk’urufunguzo rwo kurinda ubukungu

Mu biganiro byatanzwe, Guverineri wa National Bank of Rwanda, Soraya Hakuziyaremye, yagaragaje ko ubwishingizi bufite uruhare runini mu kurinda ubukungu bw’ibihugu, cyane cyane mu bihe by’ibibazo bitunguranye nk’ibiza, ihindagurika ry’ikirere n’ihungabana ry’amasoko.

Yagize ati: “Ubwishingizi bufasha ibihugu, ibigo n’abaturage kubona uburyo bwo kongera kwiyubaka vuba mu gihe habaye igihombo, bityo bukaba inkingi y’ingenzi mu kurinda iterambere.”

Yashimangiye ko niba u Rwanda rushaka kugera ku ntego z’igihe kirekire zirimo kuba igihugu gifite ubukungu bwo hagati mu 2035 ndetse n’ubukungu buhanitse mu 2050, urwego rw’ubwishingizi rugomba gukomera kandi rugakora neza.

Afurika iracyafite icyuho mu bwishingizi

Ku rundi ruhande, Umuyobozi Mukuru wa Africa Reinsurance Corporation, Corneille Karekezi, yavuze ko Afurika ikiri inyuma mu bijyanye n’ubwishingizi ugereranyije n’andi masoko mpuzamahanga. Yagaragaje ko ikibazo nyamukuru atari uko ibyago bidahari, ahubwo ari ukutagira uburyo buhamye bwo kubicunga no kubibyaza umusaruro mu buryo bw’ubwishingizi.

Yongeyeho ko ibihugu bya Afurika bikwiye kongera imbaraga mu kubaka icyizere hagati y’abatanga ubwishingizi n’ababukenera, kugira ngo uru rwego rushobore gukura no gukurura ishoramari rinini.

Ubwishingizi nk’ibikorwaremezo bishya

Abitabiriye iyi nama bagaragaje ko igihe kigeze ngo ubwishingizi bufatwe nk’ibikorwaremezo nk’ibindi, kuko bufasha mu kugabanya ingaruka z’ibibazo by’ubukungu no gutuma imishinga y’iterambere itahagarara. Bavuze ko nk’uko umuhanda ufasha ubucuruzi kugenda neza, amashanyarazi agafasha inganda gukora, n’ikoranabuhanga rikihutisha serivisi, ubwishingizi na bwo bufasha ubukungu kudasubira inyuma igihe habaye ibibazo.

Imibare igaragaza iterambere ry’urwego rw’ubwishingizi mu Rwanda

Imibare ya National Bank of Rwanda igaragaza ko urwego rw’ubwishingizi mu Rwanda rwagize izamuka rikomeye mu myaka itandatu ishize.

Agaciro k’urwo rwego kavuye kuri miliyari 505,5 Frw mu 2019 kagera kuri miliyari 1.212,3 Frw muri Kamena 2025. Ibi byatewe n’izamuka ry’ibigo by’ubwishingizi ndetse n’iyongera ry’abaturage batangiye kumva akamaro kabwo.

Ubu mu Rwanda hari ibigo 18 by’ubwishingizi bikora mu nzego zitandukanye zirimo ubuzima, ibinyabiziga, imishinga y’ubwubatsi n’ubucuruzi.

Imbogamizi n’inzira y’iterambere

Nubwo hari intambwe imaze guterwa, abitabiriye inama bagaragaje ko hakiri imbogamizi zirimo:

Kutumva neza ubwishingizi mu baturage bamwe
Icyizere kikiri gito hagati y’abakiliya n’ibigo by’ubwishingizi
Kuba ibiciro by’ubwishingizi bikiri hejuru ku bantu bamwe

Basabye ko hakongerwa ubukangurambaga, hakoreshwa ikoranabuhanga ndetse hagashyirwaho politiki zorohereza urwo rwego gukura.

Inama ya Africa CEO Forum 2026 yasize ubutumwa bukomeye bwo kongerera agaciro urwego rw’ubwishingizi muri Afurika. Abayobozi bahurije ku gitekerezo kimwe: ubwishingizi si serivisi isanzwe, ahubwo ni inkingi y’ingenzi y’ubukungu bwa Afurika buzira ihungabana, kandi bushobora gufasha umugabane kugera ku iterambere rirambye.