Uburyo ubufatanye bwa SBFIC na AMIR bwateje imbere ibigo by’imari iciriritse mu Rwanda

Yanditswe na Ndahayo Emmanuel
Kuya 3 Nzeri 2020 saa 03:02
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Ikigo ‘Savings Banks Foundation for International Cooperation’ (SBFIC) n’Ishyirahamwe ry’ibigo by’imari iciriritse mu Rwanda (AMIR) basoje ubufatanye bwari bumaze imyaka 11, bwazamuye cyane urwego rw’imari iciriritse mu Rwanda.

Mu muhango wo gusoza ubu bufatanye ku mugaragaro, impande zombi zagarutse ku byagezweho, ndetse hanagaragazwa ingamba zizabashisha AMIR gukomeza gushyigikira iterambere ry’urwego rw’ibigo by’imari iciriritse mu Rwanda, mu gihe SBFIC izaba itagirahari.

Ni ubufatanye muri rusange bwatangiye muri 2009, bwibanda cyane ku bumenyi mu by’icungamutungo. Igikorwa cyo kwizihiza Icyumweru cyo kubitsa ni kimwe mu byatangiriweho icyo gihe, ndetse kiza gukomeza, kinatanga umusaruro ufatika, aho abantu 500 000 bahuguwe ku muco wo kubitsa, mu gihe abana barenga 100 000 bafunguje konti zo kubitsa, bakazishyiraho agera kuri miliyari 2.2 Frw.

Mu ijambo rye, Maria Knappstein, Umuyobozi wa SBFIC Rwanda yagarutse ku byakozwe muri iyo myaka 11 y’ubufatanye na AMIR, avuga ko bwagize ingaruka ku bigo bito n’iby’imari iciriritse muri rusange.

Yagarutse ku banyamuryango ba AMIR biyongereye ku kigero cya 850%, bava kuri 30 bagera ku 340, ndetse n’uburyo abaturage barushijeho kwitabira serivise z’imari, bakava kuri 47% muri 2009 bakagera kuri 93% uyu mwaka ahanini bitewe n’iterambere ry’ibigo by’imari iciriritse, byanarushijeho kwegera abaturage.

Knappstein yavuze ko SBFIC yanagize uruhare rufatika mu kuzamura ubushobozi bw’ibigo bito by’imari iciriritse, binyuze mu kongerera ubumenyi abakozi babyo.

Yatanze urugero ku mahugurwa menshi yagiye akorwa agamije kwigisha abakora mu bigo by’imari iciriritse kugira ngo barusheho gukora kinyamwuga.

Aha kandi ni naho haturutse igitekerezo cyo gushinga ishuri rizatanga amasomo yibanda ku icungamutungo ryitwa RICEM, rikazakomeza kwigisha abakozi b’ibigo by’imari iciriritse nyuma y’ubu bufatanye.

Knappstein yashimangiye ko ibi byose byashobotse kubera gukorera hamwe, avuga ko yishimiye ibyo ubu bufatanye bwagezeho.

Ku ruhande rwa AMIR, Umuyobozi Mukuru wayo, Aimable Nkuranga, yavuze ko uyu mushinga muri rusange wari ugamije kuzamura ubumenyi bw’abakora mu bigo by’imari iciriritse kugira ngo barusheho gutanga serivise nziza.

Yongeyeho ko ibikorwa byose byabayeho byagize ingaruka nziza, ati “mu mahugurwa yakozwe, abakozi b’ibigo by’imari iciriritse barigishijwe. Twanagize amahirwe yo gukora ingendoshuri mu bigo bitandukanye, twiga imikorere y’aho kandi twungurana ibitekerezo n’abandi”.

Ikindi gikomeye cyagezweho muri ubu bufatanye, ni ukwemeranya ku masezerano y’imyigishirize, aho SBFIC yahaye AMIR ibikoresho byigirwaho, birimo n’ibyifashisha ikoranabuhanga.

Mu masomo atangwa, abahugurwa bagira uburyo bwo kuganira ndetse no kwiga, bakabasha kugerageza ibintu bishya binyuze mu gusangira ubunararibonye. Akamaro nyamukuru k’aya masomo ni ukwigisha abahugurwa ibintu bishobora guteza ibihombo mu bigo by’imari iciriritse, ndetse n’uko byakwirindwa.

Aya masomo kandi afasha mu gusesengura ibyakozwe, hakarebwa ibitaragenze neza bigakosorwa, hagakorwa n’igenamigambi rigamije gukemura ibyo bibazo. Aya masomo yose, akazakomeza gutangwa na AMIR nyuma y’ubu bufatanye.

Kuri Charles Kayumba, Umuyobozi Wungirije wa AMIR, yashimye urwego rw’amasomo atangwa ndetse anaboneraho gushimira SBFIC ku bufatanye bw’ingirakamaro yagiranye na AMIR.

Mu buryo bw’ikoranabuhanga, abayobozi ba SBFIC mu karere ka Afurika y’i Burasirazuba, Britta na Thomas Konitzer, baganiriye n’abitabiriye uyu muhango. Bagarutse ku bikorwa by’indashyikirwa byagezweho birimo serivise zo kugenzura umutungo ndetse n’inama zitandukanye zahuje abakora mu bigo by’imari iciriritse zabaga zigamije gukemura ibibazo byagaragajwe.

Banagarutse ku mushinga ugenewe abagore witwa: ‘Tinyuka Wigire Munyarwandakazi’, watangijwe muri 2016, ukigisha abagore barenga 5 000 amasomo yo kwizigamira ndetse no kubona inguzanyo. Konti 7 000 zarafunguwe hanatangwa inguzanyo ya miliyoni 400 Frw ku mishinga ibyara inyungu, imyinshi muri yo yashyizwe mu bikorwa n’abagore bahuguwe n’uyu mushinga.

Mu rwego rwo gutegura AMIR kuzakomeza ibikorwa byo guhugura ibigo by’imari iciriritse, SBFIC yahaye ishyirahamwe rya AMIR inyandiko, ibyigiweho, ibigaragaza igenenwabikorwa ndetse n’andi masomo yose yatanzwe, kugira ngo rizakomeze kubikoresha mu guhugura abakora mu bigo by’imari iciriritse.

Mu byatanzwe harimo amasomo agenewe ibigo binini by’imari iciriritse, agenewe kwigisha icungamutungo ku bana, ibiganirwaho mu nama, agenewe serivise z’ikoranabuhanga, serivise zo gukora igenzuramikorere, amasomo agenewe abahinzi, amasomo agenewe ubucuruzi buciriritse, uburyo bwo gukora wiga, uburyo bwo kwiga isoko, imikino yigisha kwizigamira, gahunda ya Tinyuka Wigire Munyarwandakazi, ndetse n’ibijyanye n’icyumweru cyo kwizigama.

Kevin Kavugizo, Umuyobozi w’Ishami rishinzwe imicungire y’ibigo bito n’imari iciriritse muri Banki Nkuru y’igihugu, BNR, wanabashije gukurikirana imikorere y’ubu bufatanye kuva butangiye kugera busojwe, yagarutse ku buryo amasomo n’ingendoshuri byatanzwe byazamuye urwego rw’abakora mu bigo by’imari iciriritse mu Rwanda.

Yavuze ko ubugenzuzi bw’ibigo by’imari iciriritse bworoha iyo abakozi b’ibyo bigo bafite ubumenyi buhagije, yongeraho ko intego yo kugira ubumenyi buri ku rwego rwo hejuru iri kugerwaho muri rusange.

Kavugizo yavuze ko urwego rw’ibigo by’imari iciriritse mu Rwanda rufite amahirwe menshi y’iterambere, azashingira ku masomo uru rwego rwugukiye muri ubu bufatanye. Yavuze ko SBFIC izakomeza kuba mu Rwanda, ariko noneho ikimurira imbaraga zayo mu gufasha Umurenge SACCO, mu mushinga uzibanda ku gukusanya amakuru ndetse no gukora igenamigambi rifatika muri ibyo bigo.

SBFIC yahaye AMIR ibikoresho birimo ibyari bisanzwe bitangirwaho amasomo
Aimable Nkuranga yavuze ko AMIR yiteguye gukomereza aho SBFIC yari igejeje
Maria Knappstein uyobora SBFIC Rwanda yavuze ko ubufatanye bwabo na AMIR bwafashije ibigo by'imari biciriritse mu Rwanda kwiyibaka
Umuyobozi Mukuru wayo, Aimable Nkuranga
Uyu muhango wakozwe hubahirizwa ingamba zo kwirinda Coronavirus

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