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Hatangijwe "Umuganga Sacco"

Yanditswe na Akayezu Jean de Dieu
Kuya 28 Ukwakira 2021 saa 02:58
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Abakozi ba Minisiteri y’Ubuzima bishyiriyeho Koperative y’Abaganga yo kuzigama no kugurizanya [Umuganga Sacco] yihariye ku bakozi bo kwa muganga n’abakora mu rwego rw’Ubuzima mu Rwanda.

Kuva mu 2017, HSS-MAG yatangira yari imaze kugira abanyamuryango barenga ibihumbi 10 ndetse byari biteganyijwe ko mu mpera z’uyu mwaka bazaba bageze ku bihumbi 11.

Iki kimina gifite ubwizigame bungana na miliyari 4,5 Frw hakaba hamaze gutangwa inguzanyo ingana na miliyari 2 Frw zabyaye inyungu za miliyoni 200 Frw.

Uwambayingabire Claudine wayoboraga HSS-MAG yavuze ko iki kimina nta mwaka n’umwe kigeze gihomba ndetse ubwitabire bwabaye bwinshi, abizigama baba benshi bituma n’inyungu ziboneka.

Yavuze ko icyifuzo cyo kugihindura Sacco cyaje nyuma yo kubona ko abanyamuryango bakomeje kuba benshi kandi uko babonaga inguzanyo ihendutse muri iki kimina ari nako bizakomeza kugenda muri Sacco.

Ati “Abanyamuryango bacu nibakomeza kwizigama nk’uko bizigama uyu munsi, nta kintu na kimwe kizatuma tuzamura inyungu kuko tuzaba tubona amafaranga mu buryo butworoheye kandi mu gihe gito.”

Uwambayingabire yashimangiye ko kugira iyi Sacco bizakemura ikibazo cy’abakora mu rwego rw’ubuzima baruvagamo buri munsi kubera ibibazo by’umushahara muke.
Ati “Dushaka ko abakozi bo mu nzego z’ubuzima bishimira akazi kabo ntibagasohokemo. Dufite intego yo gushimisha abakozi bo mu rwego rw’ubuzima tubahe ibyo bajyaga kwifuza ahandi [mu bikorera], tubahe ikibunganira ku mushahara.”

Mu byo cyakoraga harimo gutanga inguzanyo yihutirwa cyane nk’aho uwagiraga ikibazo yasabaga inguzanyo akayibona vuba kandi byoroshye hagamijwe gukemura icyo kibazo umuntu aba yahuye nacyo.

Hari indi nguzanyo y’igihe kirekire [imyaka itatu], aho umuntu yashoboraga kugurizwa amafaranga nibura inshuro ebyiri z’ayo amaze kwizigama akaba yazishyura ku nyungu ya 5%.

Umunyamabanga wa Leta muri Minisiteri y’Ubuzima ushinzwe Ubuzima bw’Ibanze, Dr Mpunga Tharcisse, yavuze ko abakora mu rwego rw’ubuzima bari bamaze imyaka ine bafite ikimina kandi bagaragaje ko baramutse bagihinduyemo ikigo cy’imari byabafasha mu iterambere ryabo.

Yavuze ko muri iyo myaka yose bakoreraga mu cyizere ariko ikimina ubusanzwe gikorera ku cyizere, kidashingira ku itegeko iryo ariryo ryose ari nayo mpamvu haba hashobora kubamo ibibazo.

Ati “Ubusanzwe ubu twari mu kintu kimeze nk’icyizere, ikimina ni icyizere ugirana n’umuntu, gishobora gutakara igihe icyo aricyo cyose. Umuntu ashobora kuba afitiye undi amafaranga ku buryo kuyagaruza byagorana kuko mu rwego rw’amategeko nta kintu kiba kigenga icyo cyizere muba mufitanye.”

Yakomeje agira ati “Ikindi ni uko byatumaga abantu bakoresha amafaranga atari ayabo. Iyo nashyiragamo amafaranga yanjye bakankubira kabiri babaga bampaye ayawe niba uri umunyamuryango nashobora kugira intege nke zo kuba ntabasha kwishyura. Icyo gihe mba nshyize ikimina cyacu mu kibazo gikomeye cyo kudashobora amafaranga umunyamuryango mu gihe ayakeneye.”

Dr Mpunga avuga ko kugira ngo ubashe gucunga ikimina kirimo abantu barenga ibihumbi 10, bishingiye ku cyizere ari ibintu bidashoboka ari nayo mpamvu ‘Umuganga Sacco’ ari koperative yari ikenewe.

Ni izihe nyungu zihishe mu gushyiraho ‘Umuganga Sacco’?

Ubusanzwe kugira ngo SACCO yemerwe, ibanza gukora nk’ikimina nyuma igasaba uburenganzira butangwa na Banki Nkuru y’Igihugu.

Umuyobozi ushinzwe Amakoperative atanga serivisi z’imari mu Kigo cy’Igihugu gishinzwe Amakoperative, RCA, Mugambage Richard, yavuze ko hari inyungu nyinshi ziri mu guhindura iki kimina Sacco.

Ati “Abantu bakora mu buryo budakurikije amategeko, hashobora kuzamo ingorane z’imiyoborere, ariko tugiye mu buryo bw’imari, ziriya nguzanyo zitangwa ziramutse zitanzwe hatagendewe ku mategeko azigenga bishobora guteza ingorane nyinshi zigendanye n’imikorere n’ibindi byadutera igihombo.”

Yakomeje agira ati “Ikindi ni ukurinda wa mutungo w’umunyamuryango yatanze kugira ngo uzamugirire inyungu. Ariko ntibirangirira aho ngaho, uyu munsi turimo kubona ko ikigo gitangiye kunguka.”

Mugambage yavuze ko kuvuka kw’iyi SACCO bizafasha kubona amafaranga menshi aturutse ahantu henshi harimo ubwizigame n’imari shingiro; bikaba byafasha kugira ngo kibashe gutanga inguzanyo nyinshi.

Leta izashora inkunga ya miliyari 10 Frw mu ‘Umuganga Sacco’

Kugira ngo ‘Umuganga Sacco’ gikore biteganyijwe ko Leta izagitera inkunga kugira ngo kibashe kuguriza abakozi b’urwego rw’ubuzima ari nabo banyamuryango babashe kugurizwa kandi ku nyungu iciriritse.

Biteganyijwe ko Leta izatera inkunga ya miliyari 10 Frw. Mu bazabyungukiramo cyane harimo abakozi baciriritse bo ku rwego rwo hasi barimo abaforomo aho bazajya bahabwa inguzanyo yaba iy’igihe kirekire cyangwa igihe gito ndetse bagahabwa amafaranga menshi ku nyungu iboroheye.

Dr Mpunga ati “Leta ifite gahunda yo kugitera inkunga kugira ngo kibe cyaguriza abakozi, cyane cyane abakozi baciriritse, abaforomo n’abandi bakozi bo hasi bakorera kure bashobora kuba babona inguzanyo iboroheye kandi bashoboye kubona n’ikibishingira.”

Yakomeje agira ati “Ikindi bigufasha no kuba wasaba inkunga mu bindi bigo bitandukanye, n’ubwo tuvuga Leta, ntiyashyira amafaranga mu kimina cy’abantu ku giti cyabo. Iyashyira mu kigo kizwi kandi gifite uko gicunzwe kandi gifite n’amategeko akigenga.”

Ashimangira ko bizanafasha kugira ngo babe babona abandi baterankunga bashobora gufasha mu rwego rw’ubuzima babe batera inkunga inyuzwe muri iki kigo cy’imari.

Hakizimana Vedaste wari usanzwe ari umunyamuryango wa HSS-MAG yavuze ko bishimiye kuba ikimina cyabo gihinduwe SACCO kuko bizafasha kubona inguzanyo y’igihe kirekire n’ibindi.

Ati “Kuba cyari ikimina hari ibyo cyacyemuraga ariko hari n’ibyo kitacyemuraga, urumva niba inguzanyo ishobora gutangwa ikishyurwa mu myaka itatu ntabwo washoboraga gusaba inguzanyo irenze imyaka itatu.”

Yakomeje agira ati “Kujya muri Sacco bizatuma umuntu ashobora kwaka inguzanyo y’igihe kirekire kandi yo gukemura n’ibibazo byinshi kuko mu kimina bagukubiraga kabiri ayo umaze kubitsamo ariko mu gihe bizaba byabaye Sacco, umuntu azashobora kubona inguzanyo ihwanye n’ibibazo ashaka gukemura. Ikindi umuntu ntabwo yagira impungenge z’aho yabikije umutungo we.”

Umuganga Sacco yamaze kwemezwa ndetse n’amategeko ayigenga yatowe ku wa Kane, 28 Ukwakira 2021, bikaba biteganyijwe ko mu gihe kitarenze ukwezi izaba yatangiye imirimo yayo.

Umunyamabanga wa Leta muri Minisiteri y’Ubuzima ushinzwe Ubuzima bw’Ibanze, Dr Mpunga Tharcisse, ubwo yagezaga ijambo ku bitabiriye inama iyi Sacco yemerejwemo

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