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Uko yatunguwe no kuyobora Mayfair Insurance, inama ku bakobwa n’abashidikanya ku bagore: Ikiganiro na Jessica Igoma

Yanditswe na Nshimiyimana Jean Baptiste
Kuya 7 October 2024 saa 08:02
Yasuwe :

Umuyobozi Mukuru w’Ikigo cy’Ubwishingizi Mayfair Insurance Rwanda Ltd, Jessica Igoma, yatangaje ko mu mwaka n’amezi umunani amaze akiyobora, yashyize imbaraga mu kwimakaza ikoranabuhanga mu mikorere no gutanga serivisi nziza ku buryo mu myaka itatu iri imbere uru rugendo ruzaba rugeze ku rwego rushimishije.

Mu kiganiro Igoma yagiranye na IGIHE, yavuze ko yakiranye izi nshingano amaboko yombi kandi ko mu gihe amaze kuri ubu buyobozi, umusaruro w’iki kigo wazamutseho 28% ugereranyije na 2022.

Mwakiriye mute kugirwa Umuyobozi Mukuru wa Mayfair?

Byarantunguye, nubwo nari nsanzwe mu nama y’ubutegetsi, kuva Mayfair itangira gukorera mu Rwanda. Birumvikana byasabye ko babanza kubinyumvisha neza ukuntu ngomba kujya mu buyobozi nyir’izina. Gusa byaranshimishije kandi nezezwa n’icyizere abanyamigabane n’Inama y’Ubutegetsi bangiriye.

Ni iyihe mirimo mwakoze mbere yo guhabwa izi nshingano?

Gutangirira hasi ugakora ibikorwa bitandukanye kugira ngo wubake ubunararibonye ni ingenzi cyane. Ibi byatumye nsobanukirwa neza akamaro ka buri muntu mu myanya y’ubuyobozi bw’ikigo.

Natangiye nkora mu cyiciro cy’abakozi bo hasi, ngenda nzamuka kugeza ubwo mbaye umuyobozi w’ishami rishinzwe imari, ari na ko kazi mperuka gukora mbere y’aka.

Natangije agashami gashinzwe umutungo, nkubaka mpereye hasi karakura ndetse gatangira gukora neza. Nanavuguruye uburyo bw’imikorere n’ubugenzuzi mu ishami rishinzwe imari n’andi mashami mu kigo nakoreraga, aho nari mu bayobozi nshingwabikorwa baharanira ko ibintu bikorwa neza kandi mu mucyo.

Mwize ibijyanye n’iki? Ese byagize uruhe ruhare mu gutuma mwisanga mu gukora mu bigo by’imari?

Nize ibintu byinshi uhereye ku cyiciro cya kabiri mu by’Ubukungu n’Imiyoborere nigiye mu yahoze yitwa KIST, n’Icyiciro cya gatatu cya Kaminuza mu Bukungu n’Imiyoborere nigiye muri St. Andrews muri Ecosse, mu Bwami bw’u Bwongereza.

Gusa mfite n’izindi mpamyabumenyi zitandukanye mu ngeri zinyuranye bituma ngira ubunararibonye mu bintu binyuranye nk’imiyoborere y’ibigo binini, kurwanya iyezandonke n’ibikorwa byo gutera inkunga iterabwoba, gucunga ibigo by’imari biciriritse n’ibijyanye n’ubwishingizi.

Ibyerekeye imari n’ubwishingizi mwakuze mubikunda?

Mu mabyiruka yanjye, nakunze ukuntu Mama yari ashoboye gukora mu mutwe imibare yose, ntiyigeraga akoresha imashini ibara (calcuratrice). Rero byatumye nkunda icungamari ku buryo nakuze numva nshaka kumera nka we. Mama kuko yari umwarimu n’umucungamutungo, yambereye icyitegererezo.

Igihe nari ngeze mu bijyanye n’ubwishingizi, na byo nahise mbyisangamo. Nibuka ko hari amahirwe menshi yo gukora umurimo ugirira benshi akamaro. Uru rwego nubwo rutaragera kuri 2% mu Rwanda, ariko hari amahirwe y’uko ruzakura kandi niteguye gutanga umusanzu wanjye mu kuruteza imbere.

Ni ibihe bikorwa wishimira wagezeho kuva waba Umuyobozi Mukuru wa Mayfair?

Maze umwaka n’amezi umunani muri uyu mwanya. Ibyo nibanzeho cyane ni ukwimakaza ikoranabuhanga, kuzamura umusaruro ndetse n’inyungu y’ikigo muri rusange, guharanira ko amabwiriza n’ibisabwa byose byubahirizwa, kugira abakozi babayeho neza no guharanira ko abagore bahagararirwa mu myanya itandukanye.

Twateye intambwe nyinshi mu myaka itanu ishize, harimo no kwinjira mu muryango Women in Finance. Amafaranga yishyurwa n’abikiliya bacu hamwe n’inyungu byose byazamutse ku ijanisha riri hejuru ya 20% kandi Mayfair yateye intambwe mu rugendo rwo gukoresha ikoranabuhanga.

Mukora iki ngo ikigo gishobore gukomeza guhangana ku isoko ry’ubwishingizi mu Rwanda?

Icya mbere ni ugukoresha ikoranabuhanga rigezweho nk’ubwenge bw’ubukorano n’irifasha mu gusesengura amakuru. Ibi bifasha mu gusesengura ibibazo, gukemura ibibazo by’abakiliya no kubaha serivisi nziza.

Duharanira kandi ko ibyo dukora bishingira ku bakiliya, twibanda cyane ku kubatega amatwi no gutanga serivisi zijyanye n’ibyo Abanyarwanda bakeneye cyangwa ibyo bifuza. Ubu buryo butuma serivisi ikigo gitanga zihora zikenewe n’abakiliya kandi zigasubiza ibibazo bafite.

Hari kandi guhora duhanga ibishya bijyanye n’ibyo isoko rikeneye no kureshya abato bafite impano kandi ukabagumana binyuze mu kubaka urubuga rw’imikorere ruzira amananiza, ahubwo uteza imbere guhanga udushya, ubufatanye n’iterambere mu kazi.

Abakozi bashoboye ni ingenzi cyane mu rugamba rwo guhanganira isoko no guhorana udushya.

Dukora kandi ku buryo tunoza akazi kacu binyuze mu koroshya inzira umuntu anyuramo ngo ahabwe serivisi, kugabanya ikiguzi, twirinda ko bifata igihe kirekire, umuntu agenda agaruka. Imikorere myiza ituma umukiliya anyurwa na serivisi ariko ikanazamura ibyinjira n’inyungu.

Duhora kandi dusuzuma ibishobora kudukoma mu nkokora kuko ibi ni ingenzi cyane mu rwego rw’ubwishingizi, bigafasha gushyira mu bikorwa intego z’igihe kirekire cy’ikigo no kwihagararaho k’ubukungu bwacyo.

Iyo hari uburyo bunoze bwo gusuzuma ingaruka bifasha guhangana na zo kandi ni izingiro ry’iterambere.

Kugira ngo rero ube ku isonga bisaba kubahiriza amabwiriza y’inzego zikureberera hanyuma ugakora kinyamwuga. Kubahiriza amategeko bikubakira icyizere ku bashinzwe kutugenzura, abakiliya, abafatanyabikorwa, na ho kubahiriza amategeko y’umwuka byo bifasha mu gusigasira isura nziza y’ikigo.

Jessica Igoma yavuze ko Mayfair ishyize imbere ikoranabuhanga rigezweho

Mu minsi ishize, Mayfair yabaye umunyamuryango wa Women In Finance Rwanda. Mwatubwira impamvu y’icyo cyemezo?

Kujya mu muryango Women In Finance Rwanda biri mu murongo wa Mayfair wo guteza imbere uburinganire mu kazi, rero kubera iyi gahunda ikigo gishyiraho uburyo bw’imikorere butuma nta wuhezwa mu kazi, aho abagore bashobora kubaho neza bagateza imbere impano zabo.

Iki cyemezo kandi kigaragaza uko Mayfair yifuza kugira uruhare mu guha urubuga no kongerera ubushobozi abagore mu mirimo ijyanye n’imari. Kwinjira muri Women in Finance Rwanda, ikigo kibasha gushyigikira gahunda z’amahugurwa, ibikoresho no guhura n’abantu abagore bakeneye ngo barusheho kuzamuka mu iterambere.

Mayfair ishobora kugira uruhare mu kurema impinduka mu rwego rw’imari, cyane ku byo bashyira imbere mu guteza imbere uburinganire. Uyu musanzu ntabwo ugamije kugirira akamaro abakozi b’ikigo cyacu gusa ahubwo ni no guharanira impinduka mu bakora mu rwego rw’imari bose.

Mu gukorana na Women In Finance Rwanda, Mayfair Insurance Company Rwanda Ltd ibasha kubona ibikoresho n’abantu bashobora gufasha abakozi bacu b’abagore kuzamura ubumenyi bwabo.

U Rwanda rumaze igihe ruyoboye Isi mu gutera imbere uburinganire ndetse guverinoma ishyira imbaraga mu guteza imbere iri hame. Mayfair yinjiye muri Women In Finance bifasha kujyana n’intego z’igihugu ishyigikira iterambere ridaheza.

Ubu bufatanye ububona ute haba mu iterambere ry’abagore bakorera Mayfair no ku rwego rw’igihugu?

Bizafasha kubaka ubushobozi bw’abagore ku buryo baba benshi bakora mu rwego rw’imari. Ibi bituma habaho ubudasa no kugira abakozi bafite ubumenyi buhagije, kandi ni ingenzi ku iterambere ry’igihugu.

Bizanafasha kusangizanya ubumenyi no guhugurana aho abagore bafite ubunararibonye mu bijyanye n’imari bafasha abakizamuka. Bizatuma abagore bashobora guhangana n’imbogamizi, biyubakemo icyizere bityo banatere imbere mu mwuga wabo.

Ubu bufatanye kandi buzafasha kuvumbura impano no kuzifasha gukura, ndetse no gutegurira abagore kuvamo abayobozi binyuze mu mahugurwa, ubujyanama no kugira uruhare mu gufata ibyemezo.

Ubufatanye na Women In Finance buzatuma habaho ubuvugizi bugamije iyimakazwa rya politike y’uburinganire, harimo korohereza abagore mu kazi, guhembwa mu buryo bungana no gutanga ikiruhuko ku mubyeyi wabyaye. Ibi bituma habaho imikorere idaheza kandi umugore akabasha kubaho neza.

Ni izihe nama ugira urubyiruko rw’abakobwa bifuza kuzagira ahazaza heza mu mirimo itandukanye?

Ntibazigere bahaharika kwiga ibintu bishya, byaba ari ukwiga ubumenyi bushya, kwihugura ku bigezweho mu mwuga, no gukomeza amasomo mu byiciro byisumbuye kuko kwiga uhozaho bituma uhora uri umukozi ushoboye kandi bikanagufungurira amahirwe yisumbuyeho.

Ni ngombwa kandi kugirana umubano mwiza n’abajyanama, abo mukorana n’abanyamwuga ubamo kuko bigufungurira amarembo ku mahirwe mashya, bakaba bagufasha kuzamuka.
Gusa usabwa kwigirira icyizere no kudatinya kwivugira kuko ari byo zingiro ry’iterambere mu kazi ako ariko kose ushaka gukora.

Ntuzigere na rimwe utinya gukora ibikorwa bikomeye cyangwa kujya mu mwanya ugusaba kwiyemeza byisumbuyeho kuko ni ingenzi ku muntu ushaka gutera imbere.

Ni ngombwa kandi guhamya uwo uri we, urangwa n’indangagaciro, ubumenyi, ubunyamwuga n’intego zawe, kuko izina wubatse rishobora gutuma ugera ku rundi rwego mu byo ukora.

Abavuga ko abagore benshi bahabwa imyanya ikomeye bitewe na politiki y’uburinganire, aho kurebera ku bushobozi bwabo, hari ishingiro bafite?

Abagore bagera mu myanya ikomeye baba bafite ubumenyi buhambaye, ubunararibonye n’ibikorwa byinshi bagezeho. Ibyo kuvuga ko bahabwa imyanya kubera ko ari abagore baba birengagije akazi gakomeye bakoze, inararibonye n’ibyo banyuzemo byose byatumye bagera kuri iyo myanya.

Bamwe bibasaba no gukoresha imbaraga zikubye kabiri kugira ngo bagaragaze ko bashoboye igihe bakora mu mirimo yiganjemo abagabo.

Amateka agaragaza ko abagore bari bake cyane mu myanya y’ubuyobozi kubera inshingano z’urugo bitandukanye no kuvuga ko badashoboye. Gahunda zigamije guteza imbere uburinganire ntizikuraho kuba uhabwa umwanya ari ushoboye ahubwo abagore bafite ubushobozi bari barirengagijwe bahabwa amahirwe bari baravukijwe.

Muri rusange kuba umugore ahabwa akazi bikitirirwa kubahiriza ihame ry’uburinganire bitesha agaciro ubushobozi bwe n’uruhare agira mu miyoborere myiza. Ni ngombwa kunyomoza abavuga ibyo, twibuka ko ubushobozi n’ubudasa bw’abantu bidashobora kugaragara icyarimwe ahubwo hahora hakenewe ubwuzuzanye.

Ni izihe mbogamizi rusange abagore bari mu rwego rw’imari bahura na zo? Zakemuka zite?

Abagore bari mu rwego rw’imari bahura n’ikibazo cy’abantu bashidikanya ku bushobozi bwabo mu bumenyi n’ibijyanye n’imiyoborere. Hari ababafata nk’adashoboye mu myanya ifata ibyemezo, bishobora no gutuma imyanzuro bafata idahabwa agaciro.

Ibi byakemurwa ibigo bitanga amahugurwa kuri bimwe bipfobya abagore n’iyo baba batabishaka, no guhindura bimwe mu bigize umuco bipfobya imiyoborere y’umugore.
Gahunda zifasha abagore gukorana n’abayobozi bafite inararibonye kuko bifasha kugaragaza ubushobozi bwabo no guhangana n’iyo myumvire ipfuye.

Urwego rw’imari ruzwiho kuba rusaba abantu gukora amasaha menshi, binabera abagore imbogamizi kuko bagira uruhare runini mu kwita ku nshingano z’urugo; amasaha y’akazi n’inshingano zo mu rugo.

Mu kubikemura, ibigo bikwiye gushyiraho uburyo bwo korohereza abakozi burimo no kwemerera abantu gukorera ahatari ku biro, gukora mu masaha aboroheye no kubaha ibiruhuko mu gihe babyaye.

Abagore bari mu rwego rw’imari kandi bahura n’ikibazo cyo guhembwa imishahara mito ugereranyije n’abagabo bagenzi babo, ndetse ni gake bashobora guhabwa agahimbazamusyi cyangwa ishimwe rihabwa abakoze neza nk’uko bihabwa abagabo bagenzi babo.

Mu gukemura iki kibazo, ibigo bikwiye guhora bigenzura ibijyanye n’imishahara, bigakemura ikibazo cy’ubusumbane ariko hakanashyiraho politike iciye mu mucyo yo gushimira uwakoze neza no gushimira abagore ku byo bakoze neza. Bishobora kuziba icyuho cy’umushahara muto.

Jessica yasobanuye ko Mayfair itanga umusanzu muri gahunda yo kongerera abagore ubushobozi

Ubwanditsi: Iyi nkuru yateguwe ku bufatanye n’Umuryango Rwanda Women in Finance, uteza imbere abagore bari mu bijyanye n’imari n’amabanki mu Rwanda.


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