Laba Lwaki Sitoowa Ya Fannie Mae, Freddie Mac Erinnye Ebitundu 30%

Okutambulira mu Butali bukakafu n'Ebikozesebwa Ebituufu

Eri bizinensi ne bamusigansimbi abalondoola embeera enzibu, ezikyukakyuka nga Fannie ne Freddie saga, okubeera n’endowooza entegeerekeka ku data zonna ezikwatagana kye kisinga obukulu. Ka kibeere okulondoola entambula y’akatale, okuteeka fayiro mu mateeka, oba enzirukanya y’amawulire, obusobozi bw’okugatta n’okwekenneenya amawulire mu ngeri ennungi kya mugaso mu kuvuganya. Wano enkola ya modular operating system nga Mewayz w’eraga nti ya muwendo nnyo. Mewayz ekkiriza ttiimu okugatta ensonda za data ez’enjawulo, okuva ku mawulire g’ebyensimbi okutuuka ku database z’amateeka, mu nkola emu, ekwatagana. Mu kifo ky’okujugumira emikutu mingi egyakutuddwako, abakozesa basobola okuzimba daasiboodi ey’enjawulo okulondoola ebikulu ebiraga omulimu n’okulabula kw’amawulire okusinga obukulu eri enkola yaabwe, okusobozesa okusalawo okw’amangu n’okumanya mu mbeera etali nnungi.

Ebibuuzo Ebitera Okubuuzibwa

Lwaki Fannie ne Freddie Bagenda Bakulukuta?

Ebbeeyi ya sitoowa za Fannie Mae (FNMA) ne Freddie Mac (FMCC), ebitongole ebiyambibwa gavumenti (GSEs) ebiri mu mutima gw’akatale k’amayumba mu U.S., gye buvuddeko gwafuna okulinnya okw’amaanyi, ne gulinnya ebitundu 30% mu lunaku lumu. Entambula ey'ekika kino ey'okubwatuka si ya bulijjo ku kkampuni zino ebbiri, ezibadde mu mbeera ya "conservatorship" wansi w'obuyinza bwa gavumenti okuva mu buzibu bw'ebyensimbi mu 2008. Okumala emyaka egisukka mu kkumi, enkomerero zaabwe zibadde zisalibwawo okuyomba mu byobufuzi n’amateeka okusinga emisingi gy’akatale egy’ennono. Wabula okulinnya okusembyeyo kwava ku nkulaakulana ey’amaanyi bamusigansimbi gye balowooza nti ku nkomerero eyinza okuggulawo ekkubo ly’okuyimbulwa okuva mu buyinza bwa gavumenti n’okuddamu omuwendo eri bannannyini migabo.

The Spark: Obuwanguzi Obukulu mu Mateeka

Ekyavuddeko amangu okulinnya kuno kwe kusalawo okulungi okuva mu kkooti ejulirwamu eya Fifth U.S. Circuit Court of Appeals. Kkooti eno yasibye ku ludda lw'abalina emigabo mu musango ogumaze ebbanga, n'ewakanya enkola ya "net worth sweep" eyassibwa mu nkola gavumenti eya federo mu 2012. Enkola eno yakyusa amagoba gonna okuva mu Fannie ne Freddie okudda mu ggwanika lya U.S., n'aleka bannannyini migabo egy'obwannannyini nga tebalina kye bakola. Kkooti yakizudde nti ekikolwa kino kyasukka obuyinza bw’ekitongole kya Federal Housing Finance Agency (FHFA), ekikola ng’omukuumi wa GSEs. Obuwanguzi buno mu mateeka bwazzaamu amaanyi essuubi lya bamusigansimbi nti okusenya amagoba okwali kuliko enkaayana kuyinza okusumululwa, ekiyinza okusobozesa amakampuni okutandika okusigaza kapito era okukkakkana nga galaba emigabo gyago nga gizzeemu omuwendo gwa waggulu nnyo.

Embeera y’ebyobufuzi n’ebyenfuna mu bugazi

Okusukka kkooti, empewo z’ebyobufuzi n’ebyenfuna zirabika nga zikyuka mu kkubo erisinga okusanyusa ennongoosereza mu GSE. Waliwo okukkiriza okweyongera, okuva mu bibiina bibiri mu Washington nti embeera y’okukuuma amayumba eriwo kati si ngeri ya lubeerera ey’okugonjoola ensonga ey’ekiseera ekiwanvu eri enkola y’ensimbi z’amayumba mu U.S. Ekiteeso kino kinoonyezebwa okusobola okuwa obutebenkevu n’okutegeera obulungi. Ekirala, enfuga eriwo kati eraga nti essira erisinga kulissa ku nsonga z’ebbeeyi y’amayumba n’okugabibwa. Okutereeza Fannie ne Freddie kitundu kya wakati mu puzzle eyo enzibu. Bamusigansimbi bateeka bbeeti nti ekiraamo kino eky’ebyobufuzi ekyeyongedde, nga kigatta wamu n’okunyigirizibwa kw’amateeka, kijja kuwaliriza abakola enkola okumaliriza okuteekawo ekkubo erikakafu okuva mu bukuumi.

Ekkubo Eddene erigenda mu maaso n’Ebikwata ku Bamusigansimbi

Kikulu nnyo bamusigansimbi okukitegeera nti wadde ng’okulinnya kw’ebintu gye buvuddeko kwa maanyi, olugendo lw’okugonjoola ensonga mu bujjuvu lukyali luwanvu era nga lujjudde obutali bukakafu. Enkola y’amateeka eyolekedde okulaba okujulira okulala, era eky’okugonjoola ensonga yonna ey’amateeka okuva mu lukiiko lwa Congress kyandibadde kyetaagisa enteeseganya enzibu. Ebiyinza okuvaamu byawukana nnyo, okuva ku kuzzaawo kapito mu bujjuvu n’okufulumya okutuuka ku ntegeka esinga okussa essira ku gavumenti. Okuteeka ssente mu sitoowa zino kukyali kwa kuteebereza nnyo. Naye eri abo abalina okugumiikiriza akabi ak’amaanyi, empeera eyinza okuvaamu kwe kukkiriza nti bbeeyi y’emigabo eriwo kati ekyali kitundu ku muwendo gw’emigabo gya kkampuni ze zandibadde ng’ebitongole ebisumuluddwa, ebikola amagoba. Enkola eno ey’akabi n’empeera etali ya kigero (asymmetric risk-reward profile) y’egenda mu maaso n’okusikiriza kapito.

Okutambulira mu Butali bukakafu n'Ebikozesebwa Ebituufu

Eri bizinensi ne bamusigansimbi abalondoola embeera enzibu, ezikyukakyuka nga Fannie ne Freddie saga, okubeera n’endowooza entegeerekeka ku data zonna ezikwatagana kye kisinga obukulu. Ka kibeere okulondoola entambula y’akatale, okuteeka fayiro mu mateeka, oba enzirukanya y’amawulire, obusobozi bw’okugatta n’okwekenneenya amawulire mu ngeri ennungi kya mugaso mu kuvuganya. Wano enkola ya modular operating system nga Mewayz w’eraga nti ya muwendo nnyo. Mewayz ekkiriza ttiimu okugatta ensonda za data ez’enjawulo, okuva ku mawulire g’ebyensimbi okutuuka ku database z’amateeka, mu nkola emu, ekwatagana. Mu kifo ky’okujugumira emikutu mingi egyakutuddwako, abakozesa basobola okuzimba daasiboodi ey’enjawulo okulondoola ebikulu ebiraga omulimu n’okulabula kw’amawulire okusinga obukulu eri enkola yaabwe, okusobozesa okusalawo okw’amangu n’okumanya mu mbeera etali nnungi.