Koperative yo kuzigama no kugurizanya y’abakozi bo mu rwego rw’Ubuzima mu Rwanda (Muganga SACCO) bazajya bagezwa serivisi hifashishijwe ikoranabuhanga hifashishijwe telefoni, aho gufungura amashami menshi.
Iyi ntero yagarutsweho kuri uyu wa Kane tariki ya 24 Ugushyingo 2022, mu Nama y’Inteko Rusange isanzwe y’abanyamuryango, yibanze ku gusobanura intambwe imaze guterwa kuva icyari ikimina gihindutse Muganga SACCO mu mwaka ushize.
Umuyobozi Mukuru wa Muganga SACCO, Uwambayingabire Claudine, avuga ko Ishami rimwe ry’icyo kigo cy’imari riherereye ku cyicaro gikuru, ahitwa SONATUBES mu Karere ka Kicukiro, aho abanyamuryango bose bashobora kugana igihe cyose babishaka bari muri Kigali.
Agira ati: “Ubundi ishami ry’umunyamuryango wa Muganga SACCO ni telefoni ye. Bivuze ngo aho Umunyamuryango wese ari aba ari kumwe n’ishami rye. Ni we wiha serivisi, ashobora kubona serivisi yose ashatse akoresheje telefoni ye, kuko n’uyu munsi twatanze inguzanyo zigera kuri miliyari eshatu z’amafaranga y’u Rwanda, kandi abanyamuryango bacu bose ntawutonda ku ishami agiye gusaba inguzanyo. Bose bazisaba bifashishije ikoranabuhanga.”
Akomeza avuga ko uwo ari umwihariko barusha ibindi bigo by’imari bashyizemo imbaraga, kugira ngo bafatanye na Leta y’u Rwanda mu kwimakaza ikoranabuhanga mu rwego rw’imari, ku buryo amafaranga ya kashi akwirakwira mu banyamuryango azarushaho kugabanyuka.
Avuga kandi ko ku birebana n’umuyoboro w’itumanaho nta kibazo gihari kuko mu Gihugu hose bigoye kubona ahantu umuntu atahamagara yifashishije telefoni. Bivuze ko umuntu wese ushobora guhamagara aba ashobora no kubona serivisi z’imari muri Muganga SACCO.
Muri iyi nteko byatangajwe ko harimo gutegurwa uburyo bwo gukoresha amakarita yo kubikuza (debit/credit cards) ku buryo umunyamuryango wese aho ari ashobora gukoresha ibyuma bya ATM by’andi mabanki bimwegereye, kuba ashobora kwishyura kuri PoS n’ibindi bicuruzwa bahaha bifashishije ikarita.
Ku birebana n’abakeneye amafaranga ya kashi, Madamu Uwambayingabire yavuze ko hari gahunda yo gushyiraho abanyamuryango bakora nk’aba “Agents”, guhera mu mwaka utaha.
Abanyamuryango bahagarariye bagenzi babo mu Nteko Rusange bishimiye ko serivisi z’imari bahabwa ziyongereye, cyane cyane inguzanyo zitangwa ku nyungu iri hasi cyane ugereranyije n’izindi banki.
Umuyobozi Mukuru w’Ikigo Nderabuzima cya Muhima mu Karere ka Nyarugenge, Mukamfizi Theresie, agira ati: “Muri Muganga SACCO ntabwo badusaba ingwate, upfa kuba ufitemo konti gusa, ku kwezi bakagukata ku mushahara. Iyo ukeneye inguzanyo wowe winjira muri sisitemu ukayisaba, ubundi amafaranga ukayabona mu gihe kidatinze.”
Akomeza avuga ko bamenyeshejwe ko inguzanyo bemerewe gufata zikubye inshuro nyinshi kandi inyungu yo hejuru kurusha izindi akaba ari 9%. Yemeza ko nk’intumwa z’abandi bagiye gutanga amakuru mashya ndetse bakanabamenyesha ko amashami yabo aba muri telefoni aho basabwa gukanda *565# bagakurikiza amabwiriza.
Umubyaza ukorera mu Bitaro by’Akarere ka Nyarugenge mu Mujyi wa Kigali, Niyongere Janvier, avuga ko bishimira kuba icyari ikimina mu 2017, guhera mu mwaka ushize cyahindutse Ikigo cy’Imari gifite ubuzima gatozi kizabafahsa kubona serivisi z’imari zihendutse.
Ati: “Uyu munsi batweretse serivisi nziza tuzajya tubona ntabura kwishimira nk’umukozi mu rwego rw’ubuzima, bizafasha kuba umuntu yabona serivisi z’imari ku giciro gitoya.”
Inguzanyo abanyamuryango babona ziyongereye
Inguzanyo abanyamuryango bemerewe guhabwa zavuye ku ku moko atanu bari basanzwe babona mu kimina, zigera ku moko umunani arimo inguzanyo yihuse (quick loan) iboneka nyuma y’iminota itanu gusa ikishyurwa mu kwezi kumwe, inguzanyo yitwa “overdraft” itarenga miliyoni ebyiri z’amafaranga y’u Rwanda yishyurwa ku nyungu ya 3%, inguzanyo y’impamvu zitunguranye umuntu ashobora kwishyura mu mezi 24 na yo akaba yaravuye kuri 12.
Hari kandi inguzanyo ku mushahara (avance sur salaire) aho umushahara umuntu ahembwa ukubwa inshuro 20 akazishyura mu myaka itatu, yaba akeneye inguzanyo irengaho akaba yatanga ingwate bigakorwa nta yandi mananiza.
Indi nguzanyo nshya ni iyorohereza umunyamuryango gukomeza amasomo (Scholar Loan), akaba ahabwa amafaranga amufasha mu masomo akagenda ayishyura ku mushahara we wa buri kwezi. Haza inguzanyo yo kugura imodoka zombi zishyurwa ku nyungu ya 9%.
Haza kandi inguzanyo ku mishinga yishyurwa nyuma y’imyaka itanu, ndetse hakaza inguzanyo ku icumbi itangwa hagendewe ku bushobozi bwo kwishyura.
Kugeza ubu iyo Koperative imaze kugira umutungo usanga miliyari 5.8 z’amafaranga y’u Rwanda, Guverinoma y’u Rwanda ikaba yariyemeje kuyitera inkunga ya miliyari 10 z’amafaranga y’u Rwanda.
Muganga SACCO imaze kugira abanyamuryango barenga 10,000 bakora mu buryo buhoraho ndetse hakaba hari icyizere ko bazagera ku 70,000 ushyizemo n’Abajyanama b’Ubuzima ndetse n’abari mu Nzego zigenga z’ubuzima.
Gaston Rwaka
