Umwalimu Sacco ibura imyaka ine ngo icutswe na Leta yagejeje kuki abarimu?

Yanditswe na Emma-Marie Umurerwa
Kuya 26 Nzeri 2018 saa 12:44
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Mu mwaka wa 2022 Leta y’u Rwanda izahagarika inkunga ya miliyari 30 z’amafaranga y’u Rwanda, yatangiye guha Koperative Umwalimu Sacco kuva mu 2008 ubwo yashingwaga.

Hashize imyaka 10 Koperative Umwalimu Sacco, ishinzwe ku gitekerezo cya Perezida Paul Kagame, hagamijwe gufasha abarimu kwivana mu bukene no guteza imbere imibereho yabo muri rusange. Kuri ubu ifite abanyamuryango ibihumbi 73.

Mu gihe imaze ishinzwe, iyi koperative ihabwa inkunga ya leta, aho yahawe miliyari 20 z’amafaranga y’u Rwanda, hakaba hasigaye miliyari 10 mu zo yari yemerewe. Bivuze ko izazihabwa mu myaka ine isigaye ngo ive ku ibere rya leta.

Mu Kiganiro yagiranye na IGIHE, Umuyobozi Mukuru w’Umwalimu Sacco, Laurence Uwambaje, yavuze ko inkunga ya miliyari 30 Frw, bagenewe na Leta izahagarara bamaze kugeza umwarimu ku rwego rushimishije kandi nta mpungenge koperative izakomeza gutanga inguzanyo uko bisanzwe kuko izaba iri ku rwego rwo kwigira.

Koperative yatangiye buri munyamuryango atanga umugabane shingiro wa 10.000 Frw, hanyuma ikabakata 5% ava ku mushahara wa buri munyamuryango, agafatwa nk’ubwizigamire bwa ngombwa.

Kugeza ubu koperative Umwalimu Sacco, ibarura miliyari zigera muri 200 z’amafaranga y’inguzanyo zahawe abarimu, mu gihe amafaranga y’ubwizigame ari muri miliyari zigera kuri 23 z’amafaranga y’u Rwanda, na ho inguzanyo ziri hanze ni miliyari 58 Frw.

Uwambaje avuga ko urwunguko rwa Koperative ruhagaze neza n’ubwo hakiri byinshi byo kongera mu mikorere.

Ati “Mu 2017 twungutse miliyari 3 na miliyoni 300 mbere yo gukuramo imisoro. Uyu mwaka wa 2018 na bwo twiteze kunguka birenzeho kuko mu mezi arindwi twamaze kurenza miliyari ebyiri na miliyoni 500.”

Mukaruzima yahinduye ubuzima kubera Umwalimu Sacco

Iyo uganiriye n’abarimu bafashe inguzanyo mu mwarimu Sacco, abenshi usanga ubuzima bwabo bwarahindutse. Urugero rwa hafi ni urwa Mukaruzima Priscille, wigisha Icyongereza mu mwaka wa mbere n’uwa kabiri w’amashuri abanza ku kigo cya Kamashashi.

Amaze imyaka 17 mu bwarimu, harimo irindwi amaze akorana na koperative Umwalimu Sacco. Yahawe inguzanyo ya miliyoni imwe n’igice, aguramo inkoko zimwinjiriza asaga ibihumbi 200 ku kwezi, mu gihe akazi k’ubwarimu kamuhemba ibihumbi 60 Frw ku kwezi.

Uyu mwarimukazi utuye mu Kagari ka Mashashi mu Murenge wa Kanombe, avuga ko yatangiriye ku nkoko 100 akaba amaze kugera ku zisaga 700 yoroye atabariyemo izo yagurishije.

Ubwo IGIHE yamusuraga, yavuze ko yaguze isambu ya miliyoni eshanu mu mafaranga yavuye mu bworozi bw’inkoko

Ati “Bwa mbere bampaye inguzanyo ya miliyoni n’igice nguramo inkoko 100, ubwa kabiri bampa miliyoni ebyiri mpita ngura izindi nkoko 400. Ubu bampaye indi nguzanyo ya miliyoni enye sindatangira kuyikoresha ariko nayo nzayishyira mu bworozi bw’inkoko.”

Akomeza agira ati “Inyungu nakuye mu nkoko ni nyinshi, ariko ayo nagiye mbara agera kuri miliyoni eshanu, naguzemo isambu nini ya miliyoni eshanu, ubuzima hano mu rugo bwarahindutse abana barya neza, biga ku bigo byiza muri macye navuga ko hari iterambere rigaragara maze kugeraho.”

Mukaruzima yorora inkoko zo kurya n’izitera amagi, akaba afite isoko rinini atabasha guhaza. Amaze koroza bagenzi be b’abarimu babiri, abaturanyi be hari abo yoroje kandi arateganya no gukomeza igikorwa cyo koroza n’abandi.

Icumbi rya mwarimu mu biraje ishinga koperative

Uwambaje avuga ko inguzanyo abarimu basaba ziri mu bice bitandukanye, ariko cyane cyane ngo bibanda ku nguzanyo y’icumbi.

Ati “50% by’inguzanyo basaba ni izijyanye no kwibonera amacumbi kuko benshi mu barimu batari bafite aho kuba, kandi ubu ½ cyabo bamaze kubona inguzanyo z’inzu. Basaba kandi inguzanyo zo gukora imishinga ibyara inyungu hamwe n’inguzanyo z’ubworozi”.

Kugeza ubu ngo hari abarimu bagiye bakora imishinga myinshi y’ubucuruzi, iy’ubuhinzi n’ubworozi n’iyindi bakaba bamaze gutera imbere ku buryo bugaragara.

Ibi ngo bigaragarira ku makonti yabo kuko ngo hari nk’ubikuza miliyoni ziri hagati 10 na 5 ku kwezi. Ariko kandi ngo umubare w’abinjira mu mishinga ibyara inyungu uracyari hasi kuko benshi bakitinya.

Umwalimu Sacco hari ubwo utanga inguzanyo hashingiwe ku mishahara y’abakozi bafite amasezerano y’akazi gahoraho, byabaho ko bakoze amakosa babahagarika ntibabe bakishyuye.

Hari kandi n’abakora imishinga igahomba nabo kwishyura bikagorana. Gusa ibi ntibituma iyi koperative ibarirwa mu zifite igihombo giterwa n’inguzanyo zitishyuwe kuko ziri ku mpuzandengo ya 3.5%, mu gihe itegeko riteganya ko batarenza 5%.

Abanyamuryango kandi bahugurwa ku bijyanye no gukoresha inguzanyo kugira ngo batinyuke.

Kugeza uyu munsi mu gihugu hose harabarurwa amashami 30 ya koperative Umwalimu sacco n’abakozi 235.

Umwarimu Sacco ifite ideni rya miliyari ebyiri z’amafaranga y’u Rwanda harimo ayo yagujije muri BRD n’ayo batse mu kigo OIKO Credit cy’Abaholandi. Uyu mwenda yawatse mu myaka itandatu ishize kuko inguzanyo abarimu babaga bashaka itari ihwanye n’amafaranga bari bafite mu bubiko.

Umuyobozi Mukuru w’Umwalimu Sacco, Laurence Uwambaje, yavuze ko hari aho imibereho y'abarimu imaze kugera kandi heza bitewe n'iyi koperative
Mukaruzima avuga ko ubuzima bwe bwahindutse kubera inguzanyo yahawe na Koperative Umwalimu Sacco
Inkoko za Mukaruzima zimwinjiriza ibihumbi 200 ku kwezi nk'inyungu

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