U Rwanda ruri gushakisha uburyo bwo gushyiraho ubwishingizi bushingiye ku bihe by’ikirere bugamije gufasha abakozi n’ibigo by’ubucukuzi guhangana n’igihombo giterwa n’imvura nyinshi ishobora guhagarika ibikorwa by’ubucukuzi by’amabuye y’agaciro.
Ubu bwishingizi buzwi nka ‘parametric insurance’, bukorera ku bipimo by’ikirere byagenwe mbere, aho kuba ngombwa ko uwagize igihombo abanza gutanga ikirego kugira ngo harebwe ingano y’ibyo yatakaje.
Imibare igaragaza ko urwego rw’ubucukuzi rutanga akazi ku bantu barenga 92.000. Imvura nyinshi cyangwa imyuzure bishobora gutuma ibikorwa by’ahacukurwa amabuye y’agaciro bihagarara ndetse n’amafaranga abakozi binjizaga agahagarara.
Ubu bwishingizi bukora hashingiwe ku bipimo by’imvura, mu gihe imvura irenze urugero runaka igwa mu minsi ikurikirana ahari ikigo cy’ubucukuzi ikaba imbarutso yo gutanga amafaranga y’ubwishingizi.
Amakuru y’imvura atangwa n’Ikigo cy’Igihugu cy’Ubumenyi bw’Ikirere (Meteo Rwanda), agasuzumwa kandi akagereranywa n’amakuru atangwa na satelite.
Iyo haguye imvura iki ku cyigero cy’umvikanyweho, umukozi wese wiyandikishije muri ubwo bwishingizi ahabwa amafaranga yagenwe, bitabaye ngombwa ko agaragaza ibimenyetso by’igihombo yatewe n’imvura.
Amafaranga ateganyijwe ari hagati ya 15.000 Frw na 25.000 Frw, akishyurwa kuri telefoni, kuri banki cyangwa kuri SACCO, mu gihe kitarenze ibyumweru bibiri nk’uko byateganyijwe.
Amafaranga y’ubwishingizi ashobora gutangwa n’abakozi ubwabo, ibigo by’ubucukuzi n’amakoperative, mu gihe Guverinoma na yo ishobora kugira uruhare muri iyi gahunda.
Minisiteri y’Imari n’Igenamigambi, MINICOFIN, izareberera iyi gahunda, mu gihe Ikigo gishinzwe Amabuye y’Agaciro, Peteroli na Gazi RMB, izagira uruhare mu ishyirwa mu bikorwa ryayo, naho Banki Nkuru y’u Rwanda ikagira uruhare mu kugena amabwiriza.
Gahunda izabanza kugeragezwa, hanasuzumwa amakuru n’ibipimo by’imvura, mbere yo gushyirwaho burundu. Biteganyijwe ko ubwishingizi bushobora gutangira mu gihe cy’imvura hagati ya Werurwe na Gicurasi, hagatekerezwa no kubwagura mu gihe cy’imvura igwa hagati ya Nzeri n’Ukuboza.
Ubu buryo bushobora gufasha abakozi b’ubucukuzi kubona amafaranga mu gihe ibikorwa bihagaritswe n’imvura, bityo bikabafasha gukomeza imibereho yabo no kongera ubudahangarwa bw’urwego rw’ubucukuzi ku ngaruka z’imihindagurikire y’ikirere.
