Iyo isoko rirangiye BNR itangaza uko
isoko ryagenze ikabimenyesha abantu
bose biciye ku rubuga rwayo rwa
interineti no mu buryo bwo kwandikira
cyangwa guhamagara abatsindiye
isoko.
Buri wese watsindiye isoko amenyeshwa
kuri aderesi yatanze ibi bikurikira: numero
ziranga iryo soko, agaciro k’impapuro
nyemezamwenda yatsindiye , urwunguko
rwazo ku ijanisha, igihe zizamara n’inyungu
zizabyara mu mafaranga, igihe zizamara
n’agaciro zifite ku isoko.
umuguzi w’impapuro ze babifashijwemo
n’ abahuza (brokers), ahabwa ikiguzi cyazo
n’izo mpapuro zigahindurirwa amazina
zikandikwa ku waziguze ku rwego rwa kabiri
bikorewe muri cya gitabo cy’ikoranabuhanga
kibikwamo amazina ya ba nyiri mpapuro
nyemezamwenda muri BNR.
NATIONAL BANK OF RWANDA
Banki Nkuru y’u Rwanda
Mu gihe ugurisha bond ye atabonye
umugurira ku isoko ry’imari n’imigabane
(RSE), BNR irayimugurira ku giciro iyo
bond ihagazeho ku isoko wongereyeho 3%,
hagendewe ku rwandiko rwa RSE rwemeza
ko iyo Bond yabuze umuguzi.
Izo
mpapuro
zibikwa
ku
buryo
bw’ikoranabuhanga rihambaye muri BNR
ku mazina y’abaziguze

V . Wakora iki mu gihe ushatse
amafaranga mbere y’igihe
cyateganyirijwe impapuro
nyemezamwenda zamara ku isoko?
Iyo waguze izo mpapuro ku isoko ry’ibanze
(muri BNR) uba ufite uburenganzira bwo
kuzigurisha nawe uciye ku isoko ryo ku
rwego rwa kabiri riri ku isoko ry’imari
n’imigabane ry’u Rwanda (RSE).
Uwari warashoye muri izo mpapuro z’agaciro
yegera abahuza ku isoko ry’imigabane
(brockers) akababwira umubare w’izo
ashaka kugurisha n’agaciro kazo, bakamuha
inama, bakanamufasha gushaka undi muntu
wifuza kugura izo mpapuro.
Ugurisha afata igiciro asanze ku isoko
(market Price), iyo amaze kumvikana n’
NTIMUCIKWE N’AYO
MAHIRWE RERO
Ku bindi bisobanuro byerekeranye na Treasury
Bonds, mwabariza kuri banki yanyu cyangwa
kuri Banki Nkuru y’u Rwanda mwifashishije:
Telefoni na aderesi bikurikira:
Tel: 0788308963, [email protected]
Tel: 0788501230, [email protected]
Tel: 0788214003, [email protected]
MUSHORE MWUNGUKA MU
IMPAPURO NYEMEZAMWENDA
ISHORAMARI RYIZEWE
I.
Treasury Bonds ni iki ?
Treasury
bonds
ni
impapuro
nyemezamwenda zishyirwa ku isoko na
Banki Nkuru y’Igihugu ihagarariye Leta,
abashoramari batandukanye bakaba
bashoramo amafaranga yabo bakabona
inyungu buri mezi atandatu kugeza izo
mpapuro zirangirije igihe zagenewe.
Ubusanzwe, izo mpapuro nyemezamwenda
zigenda zimara igihe gitandukanye bitewe
n’igihugu runaka. Mu Rwanda dufite
impapuro z’imyaka 2,3,5,7 n’i 10 ndetse
tugatenganya kucyongera mu gihe kiri
imbere.
Mu Rwanda impapuro nyemezamwenda
zishyirwa ku isoko na Banki Nkuru y’u
Rwanda (BNR) rimwe buri mezi atatu.
II.
Ni mpanvu ki washishikarira
gushora imari muri Treasury
Bonds ?
Ni uburyo bwiza bwo kwizigamira no
guteganyiriza ejo hazaza nk’amashuri
y’abana, izabukuru, n’ibindi.
Ni ishoramari ryizewe (risk free investment)
kuko uryitabiriye aba yizeye gusubizwa
amafaranga iyo igihe cyagenewe izo
mpapuro nyemezamwenda kirangiye.
Izo
mpapuro
ubundi
zinitwa
“Mvunjwafaranga” kuko uwazishoyemo
aba ashobora kuzigurisha ku isoko ry’Imari
n’Imigabane ry’ u Rwanda (RSE) mu
gihe ashatse amafaranga mbere y’igihe
zateganyijwe kuva ku isoko.
Iyo ushatse gushora menshi ni ugukora
ubwikube bw’ibyo bihumbi ijana; ni
ukuvuga ibihumbi 200, 300, 400 bityo
bityo.
Ni ishoramari ribyara inyungu ishimishije
kandi itangirwa ku gihe (buri mezi atandatu).
Kubera ko izo mpapuro nyemezamwenda
zibikwa ku buryo bw’ikoranabuhanga
muri BNR (Electonically),
uwifuza
kuzishoramo asabwa kuba afite cyangwa
se kubanza gufungura konti zizabikwaho
(CSD account) aciye muri banki ye
cyangwa se ku bahuza babigenewe bari
ku isoko ry’imari n’imigabane (Brokers)
bamufasha kuzuza ibisabwa.
Iyo ushoye mu gihe cy’imyaka itatu no
kuzamura inyungu isora make (5% aho kuba
15%.).
Uwashoye muri izi mpapuro
nyemezamwenda ashobora kuzitangaho
ingwate akabona umwenda mu ma banki
cyangwa se mu bigo bindi by’imari.
Ni uburyo bwo kwigira no kwihesha
agaciro uguriza Leta ikakungukira aho
kugirango iguze hanze, bityo ukagira
uruhare mu bikorwa by’iterambere
nko kubaka imihanda, ingomero
z’amashanyarazi, amavuriro n’ibindi.
III.
Bisaba iki kwitabira isoko
ryo kugura izi mpapuro
nyemezamwenda ?
Bisaba
kugira
ubushake
bwo
gushora imari muri izo mpapuro
nyemezamwenda,
Kuba ufite byibura amafranga ibihumbi
ijana (100.000 Frw) kuri konti yawe
muri banki ubitsamo kuko ni cyo giciro
fatizo cy’urupapuro rumwe,
IV.
Wamenya ryari ko BNR
yashyize izi mpapuro
nyemezamwenda ku isoko
kandi wakwitabira ute?
Banki Nkuru y’Igihugu ikora imenyesha
ry’isoko ku bantú bose ikoresheje urubuga
rwayo rwa interineti arirwo www.bnr.rw,
mu nyandiko ikunze kwitwa “Prospectus”
ikubiyemo amakuru yose arebana n’iryo
soko.
BNR ikoresha kandi n’ibitangazamakuru
binyuranye mu kwamamaza iryo soko ndetse
n’ayo makuru wayasanga ku isoko ry’imari
n’imigabane (RSE).
Iyo wamaze kuzuza ibisabwa
byavuzwe mbere unanyura kuri
banki yawe cyangwa se ku muhuza
kugirango agufashe kuzuza no
gushyikiriza ifishi yawe BNR