Ubuhamya bw’uyu muhinzi ntibutandukanye n’ubw’izindi koperative cyangwa abahinzi ku giti cyabo hirya no hino mu gihugu bakunda kumvikana bataka igihombo batewe no kweza ariko umusaruro wabo ukabura isoko.

Abibuka vuba, bazi iby’umuceri wo mu Bugarama mu Karere ka Rusizi n’ahandi.

Iki kibazo kidindiza ubuhinzi bugamije isoko, ni kimwe mu byatumye umushinga KIIWP, ukorera mu Karere ka Kayonza mu Ntara y’Iburasirazuba, kuri uyu wa Gatanu tariki 14 Gashyantare 2025, uhuza abahinzi n’abafatanyabikorwa ngo basenyere umugozi umwe mu gukemura iki kibazo.

Uyu mushinga ugamije kuzamura umusaruro w’ubuhinzi n’ubworozi no kuwuhuza n’amasoko, watangijwe muri aka karere nyuma y’uko kibasirwaga n’ingaruka z’imihindagurikire y’ibihe cyane cyane izuba ryateraga amapfa abagatuye.

Ukorana n’abahinzi barenga ibihumbi 12 bari muri koperative 53, bahinga hegitari 6000, ni ukuvuga 10% by’ubutaka buhingwa mu Karere ka Kayonza kose.

Abahinzi bavuga ko bakigorwa no kubona amasoko meza y’umusaruro wabo, bakishimira ko guhuzwa n’abafatanyabikorwa barimo abagura umusaruro, amabanki, ibigo by’ubwishingizi, abacuruza inyongeramusaruro n’ibikoresho bifashisha mu buhinzi, bizatuma baba abanyamwuga bahingira amasoko.

Perezida wa Koperative Duterimbere-Shirinyota ihinga ibigori, soya, imboga n’ibishyimbo mu Murenge wa Nyamirama, Ntabanganyimana Théogène, yavuze ko ubusanzwe bahinga ariko ugasanga nta soko ryiza bafite bakagurisha umusaruro abamamyi ku mafaranga make, kandi bakanabiba.

Ati “Kuba duhujwe n’ibigo bigura umusaruro ni byiza cyane kuko bazatugurira ku giciro cyiza kandi banatwishyure neza”.

Ikibazo cy’amasoko y’umusaruro agisangiye na Nsabimana na bagenzi be bahinze urusenda babura isoko barahomba.

Avuga ko amahirwe yo guhuzwa n’abaguzi n’amahugurwa bahawe, yabafunguye amaso.
Ati “Twari twahinze rwa rusenda bagurisha rutumye, rwareze tubura isoko, rugera aho rutukura birangira biduhombeje. Umusaruro wari wabonetse ariko abahinzi twarahombye”.

Ntabanganyimana asanga guhuzwa n'amasoko bizateza imbere umuhinzi

Abahinzi bavuga ko bamwe muri bagenzi babo bagihinga ku buryo butagezweho bigatuma umusaruro uba muke, agasanga guhuzwa n’abacuruza inyongeramusaruro ari igisubizo kuko umusaruro uzaba mwinshi ku buso buto.

Ubuhinzi bwarahindutse

Nsabimana avuga ko mbere y’itangira rya KIIWP aho batuye hahoraga amapfa, ariko uyu munsi ngo bahinga igihe cyose bakeza kuko bahawe imirasire ibafasha kuhira,za pompe, idamu nini y’amazi n’ibindi.

Ati “Mbere twagiraga izuba ryinshi, ugasanga duturiye Ikiyaga cya Gishanda ariko kubona amazi ngo twuhire imyaka bikatugora […]. Twagiraga ikibazo cy’inzara, kuba tutabasha kwishyura Mituweli, kwiga kw’abana bigoranye ariko uyu munsi izo mbogamizi ntabwo tukizigira”

Kugeza ubu abahinzi bakorana na KIIWP bafite ubwizigame mu bigo by’imari bwa miliyoni zirenga 100Frw ndetse 40% bya koperative zafashe inguzanyo mu bigo by’imari kandi barishyura neza. Ni mu gihe 16 zikorana n’ibigo by’ubwishingizi.

Muri izi koperative, 25 zizahabwa inkunga nyunganizi vuba, irimo ibikoresho byifashishwa mu buhinzi, gufata neza umusaruro no gukora inganda. Mu mishinga izitabwaho kandi harimo no kubaka ubwanikiro n’ubuhunikiro.

Umuyobozi w’Umushinga wa KIIWP, Uwitonze Théogène, yavuze ko uyu mushinga ugamije kuzamura umusaruro w’ubuhinzi n’ubworozi no kuwuhuza n’amasoko.

Ati “Turifuza wa muhinzi utagihinga bya gakondo, uhinga afite intumbero yo kwihaza mu biribwa agasagurira n’amasoko”.

Ntidushaka ‘betting’ mu buhinzi

Private Dukundimana, Umuyobozi wa KIIWP mu muryango w’Iterambere Cordaid, aho bafasha mu guhindura imyumvire y’abahinzi kugira ngo bakore barangamiye isoko yavuze ko bashaka kugira umuhinzi w’umwuga binyuze mu kumuhindurira imyumvire, kumuhuza n’abamuha ubwishingizi, inguzanyo, abamugurira umusaruro ndetse n’abo aguraho inyongeramusaruro n’ibindi bakenera.

Dukundimana yavuze ko muri uyu mushinga bifuza ko umuhinzi atekereza isoko ry’umusaruro mbere yo gutangira gutera imbuto kandi abahinzi bigishijwe uko bashaka amasoko.

Ati “Mu byari bisanzwe abahinzi basa n’abakora ‘betting’ mu buhinzi, hamwe bahinga ubona nta cyerekezo. Ntidushaka ‘betting’ mu buhinzi, dushaka wa muhinzi uzi ngo ngiye guhinga mpingiye uyu, ankeneyeho ibi, bifite ubwiza n’ubuziranenge bingana gutya, nzabimuha iki gihe. Ni byo bizafasha umuhinzi gutera imbere, kugira ngo ajye acuruza afite ibiciro byiza n’amasoko yizeye”.

Dukundimana yashimangiye ko ubuhinzi budakwiye gukorwa nka 'Betting'

Kanamugire Fidèle, ushinzwe gahunda y’ubwishingizi bw’ibihingwa n’amatungo mu kigo cya Old Mutual Insurance Company, yavuze ko uyu munsi hari intambwe imaze guterwa mu gufasha abahinzi guhangana n’ingaruka z’imihindagurikire y’ibihe.

“Iyo umuhinzi ahombye afite ubwishingizi, cya gishoro yashoye mu butaka bwe ahinga igihingwa runaka mu biri muri iyi gahunda, aragisubizwa. Biri gufasha abahinzi ku rwego rushimishije”.

Muri gahunda ya leta yo kwihutisha iterambere rirambye, NST2, Leta y’u Rwanda izashora miliyoni 25$ (arenga miliyari 33,8 Frw) mu guteza imbere gahunda y’ubwishingizi bw’ibihingwa n’amatungo.

Mu bwishingizi bw’amatungo n’ibihingwa, leta itanga nkunganire ya 40% umworozi/umuhinzi akitangira 60% by’igiciro cy’ubwishingizi.

Mu buhinzi hishingirwa ibihingwa by’umuceri, ikiguzi cy’ubwishingizi cyawo kikaba 7,08% by’ibyashowe ku buso uhinzeho, ibigori aho ikiguzi cy’ubwishingizi ari ukuva 8.25%-10% by’ibyashowe ku busoro runaka.

Hishingirwa kandi ibirayi , urusenda n’imiteja, byose bitangirwa 8% by’igishoro ku buso byahinzweho nk’ikiguzi cy’ubwishingizi. Hishingirwa igishoro umuhinzi yashoye mu buhinzi bwe, kuva mu gutegura umurima kugeza imyaka isaruwe.

Gukoresha ikoranabuhanga mu buhinzi ni ikindi gisubizo cyakuraho imvune umuhinzi agira kandi bikamufasha kongera umusaruro no kuwubonera isoko.

Niyonsaba Donat, wari uhagarariye REMCO, ikigo cya leta kigamije kuziba icyuho cy’imashini zikoreshwa mu buhinzi, yavuze ko iyo umuhinzi akeneye imashini runaka, bafite ubushobozi bwo kuyikora, bidasabye kuzitumiza mu mahanga.

Iki kigo gikora imashini zihinga, izitera imyaka, izibagara, izuhira n’izifasha mu gusarura no kubungabunga umusaruro.

Kanamugire Fidèle yashimiye Guverinoma y'u Rwanda yazanye ubwishingizi mu buhinzi n'ubworozi

Umushinga KIIWP ukorana n'abahinzi n'aborozi mu Karere ka Kayonza

Nsabimana yavuze ko hari ibikigoye umuhinzi birimo kubura amasoko y'umusaruro

Uwitonze Théogène uyobora KIIWP yavuze ko bifuza guhuza umusaruro w'ubuhinzi n'ubworozi n'amasoko