Bankin Raya Ruwanda

**Bankin Ci Gaban Rwanda**, wanda aka fi sani da sunan Faransanci Banque Rwandaise de Développement (BRD), **bankin** ci gaba ne a Rwanda . Yana daya daga cikin bankunan da Bankin Kasa na Rwanda ya ba da lasisi, mai kula da banki na kasa.

## Bayani na gaba ɗaya
Bankin ya fara aiki a shekarar 1967, a matsayin mai ba da sabis na kudi na dogon lokaci, tare da kudade da aka tsara don ayyukan ci gaban kasa.  watan Afrilu na shekara ta 2011, jimlar darajar kadarorin bankin ya kai kimanin dala miliyan 122 (RWF: biliyan 72), tare da masu hannun jari kusan dala miliyan 42.3 (RW F biliyan 255). 

## Yankunan shiga tsakani
Yankunan shiga tsakani sun hada da:

* Aikin noma;
* Fitarwa da Masana'antu;
* Kudin dalibai;
* Makamashi;
* Gidaje da Infrastructure;
* Tattalin Arziki na Dijital;
* Cibiyoyin Jama'a

## Ayyuka na Musamman
Bankin Ci Gaban Rwanda yana ba da manyan kayayyaki ga abokan cinikinsa. Waɗannan su ne:

**[https://www.brd.rw/#specialfunds Ayyuka na Musamman]**

* Samun damar samun tallafin kudi
* Jya Primero
* Cana Uhendukiwe
* Tsabtace Abincin
* Gira Iwawe
* Asusun Ci gaban Kasuwanci
* Hatana

**Kayayyakin Lendari**

* Kudin saka hannun jari;
* Kasuwancin Kasuwanci;
* Layin bashi;

**Samfurori masu dacewa**

* Kudin Tabbacin;
* Ginin iyawa;
* Ayyukan Ba da Shawara

## Tarihi
Bankin Ci Gaban Rwanda (BRD), Kamfanin Jama'a ne wanda aka iyakance ta Shares, tare da babban hannun jari na RWF 57,808,931,000, wanda aka yi rajista a Jami'in Janar, wanda lambar kamfanin ta 100003547.

An kafa Bankin ne a ranar 5 ga Agusta, 1967; duk da haka, an bayar da takardar shaidarsa a ranar 7/7/2011 yayin da Bankin Kasa na Rwanda ya ba da lasisin banki na 003 a ranar 11 ga Agusta.

Fiye da shekaru arba'in, BRD ita ce kawai mai ba da kuɗi na dogon lokaci kuma ta sauƙaƙa fitowar kamfanoni daban-daban masu samarwa a cikin kamfanoni masu zaman kansu.

2000-2009: Ci gaba da Sabuntawa

Wannan matakin ya biyo bayan bukatar Bankin ya ba da gudummawa ga sake fasalin kuɗi da kuma samar da kuɗi a yankunan karkara, a cikin karuwar fitarwa game da ƙalubalen Tattalin Arziki na Rwanda wanda ya haifar da bukatun ci gaba mai sauri da na dogon lokaci don yaki da talauci. A zahiri fiye da kashi 90% na yawan jama'a suna zaune a yankunan karkara kuma galibi a kan noma.

Don inganta aikin Bankin ci gaba, a cikin 2005 Gwamnatin Rwanda ta ba da umarnin BRD tare da manufa don zama "Mai ba da kuɗi" na ci gaban Rwanda. Tun daga wannan lokacin BRD tana canza kanta don samun damar taka muhimmiyar rawa a ci gaban Rwanda. BRD 2005-2009 Strategic Operating Plan ya fassara aikin BRD da hangen nesa don zama bankin da ya fi samun riba a hidimar rage talauci.

Bayan kisan kiyashi: Bayan kisan kare dangi na 1994 a kan Tutsi, akwai mummunan sakamako da ya biyo baya kuma bankin ya ci gaba da ɗaukar nauyin sama da kashi 50% na fayil dinsa wanda ya zama rance da ba a yi ba daga kisan kiyashin 1994 .

Adadin rance wanda ya kai Rwf6.8 biliyan, ayyukan 115; Rwf 6.7 biliyan a cikin layin bashi 112; Rwf156.4 miliyan a cikin hannun jari a cikin kamfanoni 3 masu samarwa. An ba da rancen galibi a cikin sabuntawa da sake farfado da kamfanoni zuwa Rwf13.4 biliyan, samar da aikin aiki na mutane 8,923 da kuma ƙarin darajar tattalin arzikin kusan Rwf8 biliyan.

Yaƙin ya gurgunta yankunan karkara da sake farfado da ayyukan bayan 1994 da aka mayar da hankali a babban birnin galibi a bangarorin sakandare da na uku. Wannan lokacin ya kasance sake tsarawa da karfafawa.

**1988-1994: Matakin balaga**

A wannan lokacin, Bankin ya ba da rance jimillar: Rwf4. biliyan 6 a cikin layi 873 na bashi; Rwf84.5 miliyan a cikin hannun jari a cikin kamfanoni 7. Ya samar da yawan saka hannun jari na Rwf15.7 biliyan tare da kirkirar aiki ga mutane 9,094 da darajar da aka kara ga tattalin arzikin Rwf8, biliyan 5.

Yankunan da suka fi dacewa don rance sun kasance masana'antun noma galibi bangarorin shayi da masana'antu, waɗanda aka ba da damar ta hanyar albarkatun kuɗi masu ƙarancin kuɗi ga ƙananan kamfanoni da matsakaici a cikin kasuwancin gona; masu sana'a da ƙananan ayyukan

**1968-1987: Kafawa da ci gaba**

A cikin shekarun 1968 zuwa 1970, ana kafa Bankin kuma ba a ba da kuɗin ayyukan ba.

A cikin shekaru hudu da suka biyo baya, Bankin ya rubuta manyan rance a kan motoci (karɓar) da kuma niƙa. Kudin motocin ya kai ga duk faɗin ƙasar kuma ya nuna muhimmiyar mataki don inganta samun damar kayayyaki a cikin ƙasar.

Tun daga shekara ta 1974, bankin ya fara ba da kuɗi ga bangarori daban-daban na tattalin arziki.

An ba da rance mai yawa wanda ya kai Rwf6.6 biliyan tun daga lokacin zuwa ayyukan 501, Rwf317 miliyan sun saka hannun jari a hannun jari tare da kamfanoni 23, da kuma Rwf 6.3 biliyan a rance ga masu ba da bashi 478. Wannan yana nufin tasirin saka hannun jari na kusan Rwf12.6 biliyan tare da ƙirƙirar damar aiki ga mutane 8,400 da ƙididdigar ƙimar Rwf25.2 biliyan.

**Bankin ya ba da kuɗi game da kashi 80% na matsakaici da na dogon lokaci na ƙasar a cikin kamfanoni masu samarwa.**

## Samun
**MARCH - 2011**: **Haɗuwa da BAS da BDF**

Tun daga watan Maris na shekara ta 2011, kamfanonin BRD Advisory Services (BAS Ltd) da BRD Development Fund (BDF Ltd) sun haɗu don kafa sabon kamfani da ake kira BDF Ltd. Tsoffin kamfanoni biyu sun kasance rassa na BRD da ke da alhakin samar da ayyuka da samfuran da ke bunkasa ci gaban SME a Rwanda. Sabon kamfanin ya kasance mai ba da gudummawa ga BRD kuma ya daidaita aikin da ya gabata.

Taron Kwamitin Daraktocin BRD ne ya yanke shawarar haɗuwa da aka gudanar a ranar 17 ga Maris 2011 tare da manufar inganta ingancin ayyukan, inganci, kewayon ayyuka da samfuran da sabon kamfanin, BDF Ltd zai samar.

26-APRIL-2011: Samun BHR

A ranar 26 ga Afrilu 2011, BRD ta sami Banque de l'Habitat du Rwanda (BHR) a hukumance a wani bikin da Ministan Kudi da Shirye-shiryen Tattalin Arziki, Mista John RWANGOMBWA ya shirya. Manufar wannan saye ita ce cimma ci gaba mai ɗorewa ta hanyar sanya BRD banki mai ƙarfi da matsayi mafi kyau wanda ya ba da rance na dogon lokaci, rance na gidaje, sake ba da kuɗi da sauran ayyukan kuɗi da nufin inganta damar samun kuɗi a Rwanda. 

Samun BHR ya ba BRD dukiyar sama da Rwf biliyan 72 (Rwf58 biliyan na BRD da Rwwf biliyon 14 daga BHR).

## Rukunin reshe
Bankin yana da rassa guda biyu, mallakar 100%, wato:

* Asusun Ci Gaban BRD - Asusun Ci gaba
* Bankin Gidaje na Rwanda - Bankin Ci Gaban Rwanda ya karɓi cikakken iko a watan Afrilun 2011

## Mallaka
Kasuwancin bankin mallakar masu mulki da kamfanoni masu zuwa ne:

## Rassa
Bankin yana da wuri ɗaya a hedikwatar su:

* **Hedikwatar** - Kigali

## Gudanarwa
, the following constitute the Board of Directors of the bank:

* Bobby Pittman - Shugaban Kwamitin
* Callixte Nyikindekwe - Daraktan
* Alice Rwema - Daraktan
* Stella Nteziryayo - Daraktan
* Angelique Karekezi - Daraktan
* Joseph M. Mudenge - Darakta
* Ghislain Nkeramugaba - Darakta

Wadannan mambobi ne na Kwamitin Zartarwa a Bankin Ci Gaban Rwanda, tun daga Nuwamba 2019.

* Kampeta Sayinzoga - Babban Jami'in
* Vincent Ngirikiringo - Babban Jami'in Kudi
* Sakataren Kamfanin Gloria Tengera da Babban Lauyan
* Blaise Pascal Gasabira - Shugaban Binciken Dabarun M&E da Tattalin Arziki
* Ngabe Rutagarama - Shugaban IT da Innovation na dijital
* Nadine Teta Mbabazi - Shugaban Babban Birnin Dan Adam da Ayyukan Kamfanoni
* Jean Claude Iliboneye - Shugaban Ci gaban Kasuwanci
* Liliane Igihozo Uwera - Shugaban SPIU
* Martin Ndagijimana - Shugaban Mai Bincike na Cikin Gida
* Wilson Rurangwa - Shugaban Gudanar da Ilimi

## Bayanan da aka yi amfani da su

## Haɗin waje

* Shafin yanar gizon Bankin Ci Gaban Rwanda
* Bankin Ci Gaban Rwanda Ya Sayi Bankin Gidaje na Rwanda