Kubera ubwema; Ubukaka n’imikorere myiza no kwesa imihigo, SACCO AKABANDO yo mu murenge wa Gahunga yongeye kugirirwa icyizere mu karere ka Burera cyo gukorana n’Umushinga “Kataza rubyiruko”, aho muri iyi SACCO AKABANDO hagomba kwinjiramo miliyoni ijana na mirongo inane (180.000.000 frw) yo guha urubyiruko nk’inguzanyo idahenze ku nyungu y’i 9% ku mwaka.
Uyu mushinga “Kataza rubyiruko” wafunguwe ku mugaragaro mu murenge wa Gahunga mu karere ka Burera ni umushinga ugenewe urubyiruko rw’abahungu n’abakobwa ruri hagati y’imyaka 18 na 35 ariko cyane cyane abakobwa, ukaba ufite intego nyamukuru enye (4 ) zirimo: Kongera no guhanga imirimo mishya; Ubuhinzi; Ubukerarugendo no kwakira abatugana (Hospitality).
Ni umushinga uzakora ku bufatanye n’indi miryango 6 itagengwa na Leta ariyo: AMIR; M-VEND; RWAMUREC; AMI (African Management Institute); A&M Bank; BRD ari nayo iyoboye iyi miryango mu rwego rwo kunoza ubufatanye uyu mushinga wa “Kataza” aho inkunga ivuye muri Mastercard Foundation inyuza amafaranga muri BRD nayo ikayashyira muri SACCO AKABANDO kugira ngo ahabwe urubyiruko.
Wakwibaza ngo ni mpamvu ki uyu mushinga wiswe “Kataza rubyiruko”?
Impamvu, nta yindi ni uko ari umushinga uzibanda ku rubyiruko kuko ntirusanzwe rukorana n’ibigo by’imari. Bityo ukaba uje gukingurira amarembo urubyiruko rugakorana n’ibigo by’imari, ruhabwa inguzanyo idahenze kuko ngo izava kuri 24% igashyirwa ku 9% ku mwaka. Ikindi ngo ni uko umushinga “Kataza rubyiruko” uzishingira abatagira ingwate ku kigero cya 80% kandi bikazakorwa muri iki gihe cy’igerageza cy’imyaka itatu, byazagenda neza bikazakomeza.
TWAMBAZEMARIYA Marie Assoumpta; MUHAYIMANA Innocent na AKAMAHARI Aaron ufite ubumuga, ni bamwe mu bishimiye uyu mushinga bigishijwe n’abakamgurambaga; Bagaragaje ko bishimiye uyu mushinga, babajije ibibazo kandi barasubizwa ndetse baranyurwa.TWAMBAZEMARIYA Marie Assoumpta yagize ati: “Ni byiza ko twahuguwe ariko tugowe n’ingwate nk’urubyiruko kuko nta mitungo itimukanwa dufite, ntitwafashwa tukajya dutanga ingwate y’amatungo ko ariyo dufite?”.
Aha yasubijwe ko nabyo nk’ubworozi bufatwa nk’umwitero mu gihe ubuhinzi bufatwa nk’umukenyero ko inzego zazabyigaho; MUHAYIMANA Innocent yagize ati: “Umushinga ‘Kataza rubyiruko’ turawishimiye ariko imbogamizi ni uko batwigira uburyo twakorana na SACCO tudahezwa kubera ingwate, ahubwo tukoroherezwa kabone nubwo batubwiye nta nguzanyo itangwa nta ngwate”; Ni mu gihe AKAMAHARI Aaron nk’ufite ubumuga yasabye ko n’abafite ubumuga ariko batari mu cyiciro cy’urubyiruko bazigwaho nabi ntibazacikwe n’aya mahirwe.
Yagize ati: “Narahuguwe muri Kataza rubyiruko ariko ntibigeze batubwira ko natwe abafite ubumuga kandi tutakiri mu byiciro by’urubyiruko tutajya muri iyi gahunda ya “Kataza”, ariyo mpamvu twasaba ko natwe bazatwigaho, bakadushyiramo cyane ko ari gahunda nziza yo kwiteza imbere, aho abafite ubumuga natwe tutahezwa kuri ibyo byiza”. Aha, yasubijwe ko nabo bazigwaho kuko ikigamijwe ari ugukorana n’ababishaka kandi bagamije kwiteza imbere;
Perezida w’inama y’ubutegetsi ya SACCO AKABANDO Gahunga, Bwana MFIZI Christophe yasabye urubyiruko cyane cyane abakobwa kugana SACCO AKABANDO kugira ngo ayo mahirwe babonye atabacika bakaba nka ba bandi bambara ikirezi ntibamenye ko cyera. Yagize ati: “Rubyiruko amafaranga yaje muri SACCO AKABANDO yanyu, nimuyigane muhabwe amafaranga ariko cyane cyane abakobwa nk’uko RWAMUREC yabibabwiye. Mwirinde gucukanwa kandi amafaranga yaje iwanyu mutazaba nka ba bandi bambara ikirezi ntibamenye ko cyera”;
Umucungamutungo wa SACCO AKABANDO Gahunga, Bwana HITIMANA Philippe yavuze ko inguzanyo izatangwa yose muri SACCO AKABANDO igomba kuba yatangiwe ingwate kuko ngo nta ngwate, nta nguzanyo. Yagize ati: “Muri SACCO AKABANDO twemerewe gutanga inguzanyo kuva kuri Miliyoni imwe (1.000.000 frw) kugeza kuri Miliyoni icumi (10.000.000 frw), abakeneye arenga bazajya bajya mu za Microfinances kuko zo zemerewe hejuru ya Miliyoni mirongo itatu (30.000.000 frw), aha ni naho duhera tubabwira ko nta nguzanyo twatanga nta ngwate. Ingwate ni ngombwa kugira ngo ubone inguzanyo, gusa habaho kwiga ku ngwate ariko nta nguzanyo yatangwa nta ngwate”.
Umucungamutungo yakomeje abwira abari aho bose, by’umwihariko urubyiruko rufite konti muri SACCO AKABANDO Gahunga yemerewe amafaranga miliyoni ijana na mirongo inani (180.000.000 frw) ko ubu mirongo itandatu (60.000.000frw) zageze kuri konti ya SACCO AKABANDO. Yagize ati: “SACCO AKABANDO ya GAHUNGA yemerewe miliyoni ijana na mirongo inani (180.000.000 frw) agomba gutangwa mu byiciro bitatu(3) kandi agera kuri Miliyoni mirongo itandatu (60.000 frw) yo yamaze kugera muri SACCO yacu”. Ubu urubyiruko rugera ku 180 rwamaze kwandika no gutanga imishinga yarwo ariko 60 muri bo nibo gusa bagomba kwigirwa imishinga yabo kuko ari abanyamuryango ba SACCO AKABANDO kuko ntawuzemererwa guhabwa iriya nguzanyo ya ‘Kataza rubyiruko’ atari umunyamuryango wa SACCO AKABANDO GAHAUNGA”.
Umunyamabanga Nshingwabikorwa w’umurenge wa Gahunga, Bwana BUTOYI Louis yashimiye abafatanyabikorwa ndetse n’urubyiruko rwitabiriye iyi gahunda kuko ngo nta yindi mvugo yavugirwagamo uretse ifaranga. Bityo, abasaba kuyitabira. Aho yagize ati: “Mbere na mbere ndashimira urubyiruko rwitabiriye ndetse mbasaba kudacikwa n’aya mahirwe ya ‘Kataza rubyiruko’ cyane ko nta kindi gisabwa nko gutanga akantu, ahubwo nk’uko SACCO AKABANDO yafashwe nk’icyitegererezo n’umurenge ukaba icyitegererezo, no gufata aya mafaranga mugomba kuba aba mbere kugira ngo mutere imbere kandi turizera tudashidikanya ko muzesa uwo muhigo ayo mafaranga ntazasubire iyo yavuye”.
Abasaba inguzanyo muri iyi gahunda ya “Kataza rubyiruko” ni abatanga ingwate y’umutungo utimukanwa n’uwimukanwa nk’imodoka cyangwa konti iriho amafaranga; umwishingizi n’ubwishingizi bw’ikigega cy’ubwishingizi. Bityo, uyu mushinga nk’uko twatangiye tubivuga ukaba ugenewe urubyiruko, umuntu ku giti cye cyangwa mu matsinda na koperative y’urubyiruko rufite imyaka iri hagati ya 18-35 mu ntego yo gufasha no guteza imbere ba rwiyemezamirimo bato n’abaciriritse bakorera mu buhinzi n’abacuruza ibikomoka ku buhinzi; Ubukerarugendo n’ubucuruzi bwo kwakira abantu (Hospitality).
