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Imbamutima z’abarimu bahinduriwe ubuzima n’Umwalimu SACCO

Yanditswe na Ntabareshya Jean de Dieu
Kuya 8 Ukwakira 2021 saa 05:04
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Abarimu bigisha mu bigo binyuranye bakorana na Koperative y’abarimu yo kubitsa no kugurizanya "Umwalimu SACCO", bavuze ko babashije kwiteza imbere bagahindura imibereho yabo.

Umwalimu SACCO yashinzwe muri 2006 ku gitekerezo cyo guharanira kuzamura ubuzima bwa mwarimu binyuze mu kumuha inguzanyo yunganira umushahara muto abona. Ifite serivisi zitandukanye zo kuzigama ndetse n’iz’inguzanyo, zose zigamije guteza imbere imibereho myiza y’abanyamuryango, biciye mu nguzanyo bahabwa no kubashishikariza kuzigama.,

Muri 2008 nibwo Umwarimu SACCO yatangiye guha abarimu inguzanyo ku nyungu nto kuko usanga inyinshi bazungukira 11% ku barimu bigisha mu bigo bya Leta n’ibifashwa na Leta, naho abakora mu bigo byigenga ikaba 14%.

Kugeza ubu abarimu bahawemo inguzanyo bavuga ko zabakuye mu bukene ndetse zinabafasha kwiteza imbere, ibintu byahinduye imibereho igoye mwarimu yari arimo cyane ko wasangaga atabayeho neza kubera umushahara muto abona.

Umwarimu ukorera mu Karere ka Ngoma, Byukusenge Diane, yabwiye IGIHE ko yasabye inguzanyo ya mbere muri 2016 kandi ubuzima bwe bwahindutse mu buryo bugaragarira buri wese.

Yagize ati "Ubuzima bwarahindutse cyane ko hari n’abandi nahaye akazi. Ubundi ubuzima bwa mwarimu bwahindutse n’umusaruro atanga uba mwiza. Iyo ufite ubuzima buri hasi ni nako umuhangayiko wiyongera. Niba narajyaga ku ishuri ntekereza ngo abana baraza kubirukana ku ishuri, cyangwa nkavuga nti hari ibintu runaka ntabashije kubona mu rugo ibyo byarahindutse. Ubu njya ku ishuri numva ntuje, ngakora akazi neza bigatuma n’umusaruro urushaho kwiyongera."

Uyu mwarimu kugeza ubu yabashije kwihangira imirimo ndetse amaze kugera kuri byinshi birimo kuba yaramaze kwigurira inzu ya miliyoni eshatu y’amafaranga y’u Rwanda, kwagura ibikorwa bye ndetse no guhindura imibereho ku buryo atakirinda gutegereza umushahara w’ukwezi.

Musabyimana Jeannette wo mu Karere ka Rulindo kuri ubu ufite uruganda rutunganya kawunga kandi byose ngo yabikomoye mu gukorana n’Umwalimu SACCO kuva muri 2009.

Yagaragaje ko bitewe n’ingano y’inyungu nto bishyuraho inguzanyo mu Umwalimu SACCO ugereranyije no mu bindi bigo by’imari, bituma uwahawe ayo mafaranga akayakoresha neza amuteza imbere mu buryo bufatika.

Ati "Koperative Umwalimu SACCO ibyo yangejejeho ni byinshi. Inguzanyo yampaye yangiriye akamaro kuko nabashije kugura imitungo, isambu mbasha no kwishyurira abana ishuri ndetse n’abaturage batuye aho hafi babonye imirimo. Hari n’ibyo nifuza kugeraho kubera inguzanyo y’Umwalimu SACCO, birimo gukomeza kwagura uruganda no gushinga ishuri ryigisha gutwara imodoka (Driving School)."

Kuva Koperative Umwalimu SACCO yatangira gukora kugeza ubu, imaze gutanga inguzanyo ku banyamuryango benshi, dore ko inguzanyo zatanzwe zifite agaciro kangana na 264 955 910 574 Frw.

Umuyobozi Mukuru wa Koperative Umwalimu SACCO, Uwambaje Laurence, yagaragaje ko ari ikigo cyashyizweho gikenewe bitewe n’uko cyari kije kunganira umwarimu muri ya mibereho ye iri hasi yari afite.

Ati "Ubundi inguzanyo umuntu ayifata bitewe n’ikibazo runaka ashaka gukemura, ibibazo rero biba bitandukanye. Hari uwafashe inguzanyo y’icumbi, iyo yakemuye ikibazo cyo kwibonera icumbi, ibyo bitandukanye n’uko yaba ari mu bukode. Yaje gukemura ikibazo cy’icumbi mwarimu yabaga afite, abandi bafashe inguzanyo yo gukora imishinga runaka, amafaranga avuyemo ni aza kunganira wa mushahara mwarimu afite akabona ahandi akura amafaranga hamufasha kwiteza imbere."

Yavuze ko mu gutanga inguzanyo harebwa icyo izakoreshwa kandi Umwalimu SACCO igakurikirana koko ko aricyo yakoreshejwe kugira ngo igirire akamaro uyifashe.

Yavuze ko mu myaka 13 ishize hari byinshi byagezweho mu guteza imbere abanyamuryango ndetse no kubakira ubushobozi Umwalimu SACCO. Kugeza ubu ifite abanyamuryango basaga ibihumbi 95.

Koperative Umwalimu SACCO yatangiye itanga inguzanyo y’igihe kitarenze imyaka ibiri ariko ubu itanga ishobora kumara imyaka 10 ku muntu umwe. Inguzanyo ku mushahara hatangwaga atarenze miliyoni imwe ariko ubu zigera kuri miliyoni eshatu n’igice z’amafaranga y’u Rwanda nta ngwate kugeza kuri miliyoni 60 Frw zishobora gutangwa ku muntu umwe bitewe n’ubushobozi bwa buri wese.

Umwalimu SACCO ifite ubwoko butandukanye bw’inguzanyo bugera kuri 11, kandi buri wese ahitamo iyo afata bitewe n’icyo agiye kuyikoresha.

Amashami y’iyi koperative yavuye kuri 12 agera kuri 30 ndetse ubu bakaba barahuje imikoranire n’Umurenge SACCO ku buryo umwarimu yafatira amafaranga ahamwegereye. Ubu kandi Koperative Umwalimu SACCO yazaniye abanyamuryango bayo serivisi z’ikoranabuhanga zitandukanye harimo na Serivisi ya Mobile Banking.

Muri ubu buryo bwa Mobile Banking ubasha Kubitsa, kubikuza no gufata inguzanyo ya “overdraft” hakoreshejwe telefoni, kureba amakuru yose ajyanye na konti, kwishyura amazi no kugura amashanyarazi, amainite, ifatabuguzi rya TV (Startimes, DSTV, Canal+, etc.) no kwishyura amafaranga y’ishuri bakoresheje Serivisi y’Urubuto ku bufatanye bw’Umwalimu SACCO na BK Techhouse ifasha ababyeyi kwishyura amafaranga y’ishuri bakoresheje telefoni zigendanwa, ibigo by’amashuri na byo bikamenyeshwa ko ubwishyu bwakozwe bidasabye ko basaba umubyeyi kuzana inyemezabwishyu ku ishuri.

Uwambaje Laurence yagaragaje ko hari gahunda yo gukomeza konoza serivisi z’Umwalimu SACCO by’umwihariko mu bijyanye n’ikoreshwa ry’ikoranabuhanga ku buryo serivisi zayo zirimo no gutanga inguzanyo byajya bikorerwa ku ikoranabuhanga abanyamuryango batiriwe baza ku mashami y’Umwalimu SACCO.

Barateganya kandi gushyiraho Mobile Banking App izashyirwaho n’uburyo umunyamuryango yafata inguzanyo y’ingoboka akoresheje telefoni, internet banking (Gukoresha interineti mu kohereza amafaranga & gukurikirana ibibera kuri konti), ndetse no gushyiraho uburyo bwo gukoresha amakarita ya banki mu kubikuza ku buryo umwarimu aho yaba ari hose yabona amafaranga ku mashini zabugenewe (ATM) cyangwa ku ba-agenti, n’uburyo bwo guhererekanya amafaranga mu gihugu no hanze yacyo hakoreshejwe uburyo butandukanye nka “Western Union”.

Harateganywa kandi serivisi z’inguzanyo zisanzwe hifashishijwe ikoranabuhanga ugasubizwa atiriwe ugera ku ishami ry’Umwalimu SACCO (online loan application).

Yakomeje akangurira abanyamuryango cyane abarimu kubyaza umusaruro amahirwe bafite yo kugira Umwalimu SACCO.

Ubuyobozi bw’Umwalimu SACCO butangaza ko buteganya kongera amahugurwa y’abanyamuryango ku birebana no gucunga imishinga, kugira ngo barusheho kumenya uko bashobora gucunga imishinga yabo mu buryo burambye, bakarushaho kwiteza imbere.

Uwambaje yashishikarije abaturarwanda muri rusange gukomeza gushyigikira Umwalimu SACCO bakoresha konti zayo mu kwishyura amafaranga y’ishuri y’abana babo, kuko ubu Umwalimu SACCO ikorana n’ibigo by’amashuri hafi ya byose mu gihugu, kandi ifite na Serivisi y’Urubuto ku bufatanye na BK Techhouse ifasha ababyeyi kwishyura amafaranga y’ishuri bakoresheje telefoni zigendanwa, ibigo by’amashuri na byo bikamenyeshwa ko ubwishyu bwakozwe bidasabye ko basaba umubyeyi kuzana inyemezabwishyu ku ishuri.

Uyu muyobozi yashimiye abanyamuryango ku cyizere n’imikoranire bafitanye na Koperative yabo kandi abifuriza icyumweru cyiza cyahariwe Umukiliya.

Umuyobozi wa Koperative Umwalimu SACCO, Uwambaje Laurence yavuze ko bafite imishinga myiza igenewe guteza imibereho y'abanyamuryango

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