Mutoni Divine, umubyeyi w’imyaka 28 wo mu Murenge wa Rwimiyaga mu Karere ka Nyagatare, yari umwe muri abo bagore. Yari azi umwuga wo kudoda kandi afite ubushake bwo kuwukoresha mu kwiteza imbere, ariko nta gishoro yari afite cyo gutangiza ibikorwa bye.

Kwinjira muri KoraLink byaje kumuhindurira ubuzima. Yatangiye acuruza ibicuruzwa bya KoraLink, amafaranga abonye ayakoresha nk’igishoro, kugeza ubwo abashije kugura imashini ye ya mbere yo kudoda no kubasha gukora umwuga yari afitiye ubumenyi ariko atabasha kuwubyaza umusaruro.

Ati “Mbere y’uko mba umwe mu ba-agent ba KoraLink nari umubyeyi wita ku muryango nkita no k’urugo gusa. Ariko ubu mbasha kwikemurira ibibazo byanjye, nkabasha nanjye noguhaha ibyo murugo.”

KoraLink ni umushinga ushyirwa mu bikorwa ku bufatanye bwa Mastercard Foundation, The Commons Project Foundation Africa (TCP Africa), Society for Family Health Rwanda (SFH Rwanda) n’Ishami ry’Urugaga rw’Abikorera rishinzwe Ikoranabuhanga.

Ugamije gufasha urubyiruko rufite amikoro make, cyane cyane abagore n’abatuye mu cyaro, kubona amahirwe yo kwinjiza amafaranga binyuze mu kugeza ku baturage ibicuruzwa by’ingenzi by’ubuzima na serivisi hifashishijwe ikoranabuhanga, urwo rubyiruko rukanahabwa ubumenyi mu ikoranabuhanga no mu kwihangira imirimo.

Abinjira mu mushinga bahabwa amahugurwa ku bicuruzwa bacuruza, imikoreshereze y’urubuga rwa KoraLink Marketplace n’ibanze mu micungire y’ubucuruzi.

Batangira kandi bafite igishoro cya 360.000 Frw, gitangwa mu byiciro binyuze muri sisitemu y’ikoranabuhanga “KoraLink Marketplace”, kikishyurwa buhoro buhoro kugira ngo ayo mafaranga afashe n’urundi rubyiruko kwinjira mu mushinga.

Ku bwa Mutoni, amahirwe yo kwinjira muri KoraLink yabaye intangiriro yo kongera kubyutsa umwuga wo kudoda yari asanzwe afite.

Yatangiye kugurisha ibicuruzwa bya KoraLink harimo ibyo kwirinda Malaria, udukingirizo, Sur’eau, n’ibikoresho by’isuku by’abakobwa ku baturanyi no mu baturage bo mu gace atuyemo.

Nyuma y’amezi atatu, amafaranga yari amaze kuzigama yayakoresheje agura imashini ye ya mbere yo kudoda ayigura 150.000 Frw.

Mu ntangiriro yakoreraga mu rugo, akomeza no kugurisha ibicuruzwa bya KoraLink, ari na ko abwira abakiliya be ko ashobora no kubadodera.

Uko abakiliya biyongeraga, yaje kubona ko gukorera mu rugo bitakimushoboza kwagura ibikorwa bye. Yakodesheje aho gukorera mu isantere, ahashyira imashini ye yo kudoda ndetse n’ibicuruzwa bya KoraLink.

Nyuma y’amezi agera muri atanu, yari amaze kubona ubushobozi bwo kugura indi mashini ku 135.000 Frw, anatangira kuha urundi rubyiruko amahugurwa kugira ngo bakorane, ashobore gufatanya kudoda no gucuruza muri KoraLink.

Uyu munsi, Mutoni akomeje kudoda, agacuruza imyenda y’abagore ndetse n’ibicuruzwa bya KoraLink. Yinjiye no mu matsinda abiri yo kwizigamira, aho yizigamira amafaranga buri cyumweru.

Intego ye ni ukugura imashini ikoresha amashanyarazi kugira ngo yongere umusaruro, yagure ibikorwa bya KoraLink no kudoda kandi akabasha no guha n’abandi akazi.

Amafaranga ahinduka igishoro

Inkuru ya Mutoni si yo yonyine igaragaza uburyo bamwe mu ba-agent ba KoraLink bari gukoresha amafaranga binjiza nk’igishoro cy’indi mishinga.

Mu isantere ya Rwimiyaga, Ange Marie Ntirenganya na we yifashishije amafaranga yazigamye kugira ngo atangire umushinga wo gukora imigati.

Mbere yo kwinjira muri KoraLink, yari atuye kwa mushiki we akora mubijyanye na ‘decoration’, ariko adahembwa.

Amafaranga yakomeje kuzigama ayakura muri KoraLink, amatsinda yo kwizigama, yayakoresheje agura ifuru ya 400.000 Frw.

Iyo furu yamufashije gutangira gukora imigati mu buryo bwisumbuye akazigurisha ku baturage bo muri Rwimiyaga no mu bice biyikikije, haba mu bukwe, iminsi y’amavuko n’ibindi birori.

Uretse ubucuruzi bwa KoraLink, Ntirenganya avuga ko umushinga wo gukora ‘cake’ wamufashije kugira andi mahirwe yo kwinjiza amafaranga no kwizigamira, ubwo aba mu matsinda ane aho yizigama amafaranga agera muri 123.000 Frw ku kwezi mu matsinda gusa.

Ateganya kwimurira ibikorwa bye ahantu hegereye umuhanda kugira ngo yegere abakiliya benshi, mu gihe akomeje no kwagura ubucuruzi bwe bw’ibikoresho by’ingezi by’ubuzima nk’umu-agent KoraLink.

Rosine Umuhoza w’imyaka 30 utuye mu Murenge wa Nyagasambu mu Karere ka Rwamagana, na we ni umu-agnet wa KoraLink avuga ko yinjiye muri KoraLink atagira akazi.

Uyu mubyeyi w’umwana umwe ati “Nari umushomeri. Ibyinshi nkenera n’umwana mbihabwa mu bushobozi buva kubandi bantu. Ubu, kubera KoraLink, mbasha kwishyurira umwana ishuri no kubona ibyo akeneye.”

Umuhoza yatangiye acuruza ibicuruzwa birimo ibikoresho by’isuku n’ibindi bicuruzwa by’ubuzima harimo urukingirizo. Avuga ko ibyo bimwinjiriza amafaranga bimufasha gukomeza gutekereza no ku yindi mishinga yazamura ubukungu bwe.

Kuri bamwe, kuaba umu-agent wa KoraLink ntibivuze gusa kubona amafaranga ava mu nyungu z’ubucuruzi bw’ibicuruzwa by’ubuzima.

Shakira Mwiza, ufite imyaka 25, na we yakoresheje amafaranga yabonye mu bucuruzi bwa KoraLink agura mudasobwa ayiguze 180.000 Frw, atangira gutanga serivisi z’ikoranabuhanga.

Aho i Rwimiyaga, ubuyobozi bw’umurenge bwamuhaye umwanya wo gukoreramo, bituma atangira atishyura ubukode bw’aho akorera, akanegereza serivisi z’ikoranabuhanga abaturage.

Mwiza avuga ko aya mahirwe yamufashije gutangira ibikorwa bye bwite, akomeza no gukoresha amafaranga yinjiza mu kwiyishyurira amasomo muri Kaminuza ya UNILAK, aho ajya kwiga i Kigali mu mpera z’icyumweru.

Umunyamabanga Nshingwabikorwa w’Umurenge wa Rwimiyaga, Sam Gatunge, avuga ko ibikorwa bya KoraLink bimaze kugira uruhare mu gufasha abaturage kubona serivisi n’ibicuruzwa by’ingenzi by’ubuzima hafi yabo.

Ati “Turashimira akazi mukora. Mwazanye impinduka kandi murimo gufasha abaturage. Turiteguye gukomeza gukorana namwe.”

Yabashishikarije gukomeza kugera ku baturage benshi no kongera ibicuzwa byabo.

KoraLink yatangiye kwakira aba -agent muri Kanama 2025 mu turere twa Musanze na Nyagatare ifite abitabiriye bagera kuri 79. Ubu imaze kugera mu turere 11, ikaba ifite aba-agents bangera muri 2.278, ukomeza kwagura ibikorwa mu tundi turere.

Mu myaka iri imbere, umushinga urateganya kwaguka ukagera mu turere twose tw’u Rwanda. Kugeza mu 2028, KoraLink ifite intego yo gutanga umusanzu mu guhanga imirimo 41.122 itaziguye n’ikorwa binyuze mu zindi serivisi, harimo aba agent baKoraLink 11.762, aho 80% biteganyijwe ko bazaba ari abagore na 70% bakaba baturuka mu cyaro.

Umunyamabanga Nshingwabikorwa wa TCP Africa, Dr Richard Gakuba, yavuze ko imwe mu mpamvu umushinga washyizweho ni gucemura ikibazo cy’ubushomeri bw’urubyiruko n’icyo kugeza ibicuruzwa by’ingenzi by’ubuzima na serivisi ku baturage hifashishijwe ikoranabuhanga.

Ati “Igihe twatangiraga gutegura uyu mushinga dufatanyije n’abafatanyabikorwa, twashakaga gukemura ikibazo cy’ubushomeri ku rubyiruko, ariko nanone tugashakira umuti ikibazo cyo kugeza ibicuruzwa by’ingenzi by’ubuzima ku baturage.”

Umushinga uranateganya guhuriza aba agent ba KoraLink mu matsinda yo kwizigama no gushora imari kugira ngo barusheho kwiteza imbere, gushyiraho amahuriro ya KoraLink ku rwego rw’imirenge aho abaturage bagira aho basanga ibyo bicuruzwa, no gukomeza kubaha ubujyanama n’ibikoresho bibongerera ubumenyi, bityo bakabona amahirwe menshi yo gukora n’akandi kazi mu nzego zitandukanye, aho urubyiruko rushobora kubona inyungu irushijeho.