ISSUE NO. 1 JAN. 2014

Ntabwo yigeze akeka ko yazatunga miliyoni mu buzima bwe- Ngirabatware

Ineza y’imariSi amahirwe ni ugutinyuka ugakorana n’ikigo cy’Imari kikwegereye!

Mu kiganiro kirambuye twagiranye na Ngirabatware Dominique umuturage Coopec Inkunga yatejimbere izamura imibereho ye, wo mu karere ka Rutsiro, mu murenge wa mukoro yavuze ko mbere yari umuhinzi mworozi, iby’ubuhinzi byaramugaburiraga ndetse akanasagurira isoko, ariko nta munsi n’umwe yigeze atunga miliyoni mu buzima bwe. Amafranga yasaguraga akabika muri banki yanganaga n’ibihumbi 100 ku mwaka gusa.

Komeza ku rup 3

Yagize ati” naracuruzaga ibyo mba nahinze , muri icyo gihe ku mwaka nsangaga mfite amafaranga agera ku bihumbi 100, njyewe nasanze ntazagera kubushobozi bwo gutunga Miliyoni, mpitamo kugana COOPEC INKUNGA nabaye umunyamuryango wayo, ubu maze imyaka igera ku 15 nabikije inshuro 4, maze nzagusaba inguzanyo , ntangira ubucuruzi Ubu nd’umucuruzi mu murenge wa kibirizi”.

Nikuze Prudencienne ni umubyeyi w’imyaka 52 y’amavuko, afite abana batatu, atuye mu Karere ka kamonyi mu Murenge wa Gacurabwenge, uyu mubyeyi avuga ko CLECAM-EJOHEZA yaje ikinewe cyane.

Mu kiganiro kirambuye twagiranye n’uyu mubyeyi yadutangarije ko nyuma ya Jenoside yakorewe Abatutsi mu 1994 yasigaye ari umupfakazi, afite abana batatu, azakubona ko ari mu bwigunge, hanyuma azakubwirwa n’abagenzi be ko hari ikigo cy’imari iciriritse gifite gahunda yo guteza mbere abaturage bakava mu bukene.

Yagize ati: “Sinigeze nzuyaza nayigiyemo muri 2008, bitewe n’uko nari nejeje ibigori bihagije muri gahunda yo guhuza ubutaka, Jye na bagenzi banjye twakoreraga mu matsinda, ibyo dusaruye tukabigabana..Itsinda ryayobotse cya kigo maze mu kugabana umugabane wa buri munyamuryango akawufatira muri cya kigo cy’ kigo cy’imari iciriritse.”

Nikuze yakomeje avuga ko kugira ngo abe umunyamuryango bamusabaga ibihumbi bitanu, gusa kuko CLECAM-EJOHEZA yari isanzwe yorohereza abayigana, bari baramubwiye ngo agende abe umunyamuryango ayo mafaranga azajya ayatanga gahoro gahoro kugeza igihe azarangiriza ideni.

Ku musaruro ufite agaciro k’ibihumbi ijana, Nikuze yahise yiyambaza CLECAM EJO HEZA ayisaba inguzanyo y’ibihumbi maganabiri. Ayaguramo inka ya kijyambere izajya imuha ifumbire n’amata .

Yagize ati:” Nta nzu nagiraga gusa nahise nsaba indi inguzanyo bwa kabiri y’ibihumbi 500 by’amanyarwanda ikigo kiyimpa bidatinze kuko nari narishyuye neza iya mbere.Nahise mpinga icyate cy’imyumbati, nza kuzasaruramo umusaruro w’agaciro k’ibihumbi maganatandatu kuri we ngo ibyo yateguraga byose byagenze neza ntagihombo. Nikuze yakomeje avuga ko amaze kwishyura neza, yahise afata indi nguzanyo y’amafaranga miliyoni imwe n’ibihumbi 200 ahita aguramo urusyo rw’ibigori. Aya mafaranga yayishyuye mu gihe cy’umwaka n’igice, mu kurangiza iri deni yahise ajya kuguza andi mafaranga angana na miliyoni eshatu ahita agura isambu

CLECAM EJO HEZA ngo yaziye igihe, dore ko mu Mudugudu atuyemo yamaze kuba intangarugero ku buryo yamaze gutinyura abadamu batari bakeya. Inyungu yakuye muri ibi bikorwa yayishoye mu burezi bw’abana be aho bose uko ari batatu babashije kwiga bagera muri kaminuza. NIKUZE ageze ku mutungo ubarirwa mu ma miliyoni dore ko ku mwaka yinjiza amafaranga akabakaba miliyoni ebyiri.

Kuva yatangira gukorana na CLECAM EJO HEZA ntanzitizi yari yahura nazo. Nta kintu kimunezeza nko kuba iyo utanze umushinga wawe muri CLECAM EJO HEZA bifata iminsi itanu ukaba wahawe igisubizo.

CLECAM-EJOHEZA Kamonyi irateganya gukomezea gutanga serivisi nziza aho igiye kwifashisha ikoranabuhanga mu kwihutisha ibikorwa byayo no kugera ku bayanyamuryango benshi.

Kamonyi

CLECAM-Ejoheza yahinduye ubuzima bwanjye -Nikuze

Ngirabatware yakomeje avuga ko Inguzanyo yanyuma yabashije guhabwa ari Miliyoni 3, ubu ari hafi kurangiza kuzishyura, akaba ari kwitegura kwaka izindi miliyoni 5. Coopec Inkunga ibaha Service nziza , ibaha inguzanyo mu buryo bworoshye, barayishima, umwihariko nuko mu minsi ishize ari ama bank yari yarahagaritse gutanga inguzanyo, ariko Coopec inkunga yakomeje kubaha inguzanyo.

Kuva yatangira gukorana n’ibigo by’imari mu mwaka wa 2007, Theoneste Ndamuzeye yahisemo gukorana na za koperative zo kubitsa no kugurizanya gusa.Uyu mugabo w’imyaka 38 y’amavuko avuga ko yasanze gukorana na bene izi koperative ndetse n’ibigo by’imari iciriritse (Micro-Finance) ari byo bimuha inyungu kurusha uko yakorana n’amabanki y’ubucuruzi.Ndamuzeye ubusanzwe akora ubuhinzi bw’umuceri n’ibigori mu kibaya cya Bugarama kiri mu karere ka Rusizi.Mbere y’uko uyu mugabo atangira gukorana na za koperative zo kubitsa no kugurizanya, Ndamuzeye yabanje kuba mu matsinda mato yo kubitsa no kugurizanya yakoreraga aho atuye mu murenge wa Muganza, akarere ka Rusizi.Nyuma yaho aya matsinda yaje kujya hamwe abyara koperative zo kubitsa no kugurizanya ndetse zinahabwa ibyangombwa byo gukora

Rusizi

Gukorana n’ibigo by’imari iciriritse, ibanga rigana ku bukire - Ndamuzeye

Bivuye ku rup. 1

Ntabwo yigeze yizera ko aza-tunga miliyoni - Ngirabatware

Komeza ku rup 8

Ndamuzeye

Ubwambere ajya gusaba inguzanyo muri Coopec Inkunga yasabye 150 yongera kuri 350 ashora ibihumbi 500, azmaze kuyishyura abona asigaranye urwunguko rw’agera kuri 1.500.000. Yongeye kujya gufata indi nguzanyo y’amafaranga ibihumbi 250, yagiye kurangiza ideni afite kuri konte ye arenga Miliyoni ebyiri. Ubu afite inguzanyo ya miliyoni 3 azishyura mu mezi icumi yayirangiza akaka miliyozi 5. Uretse ibyo yagezeho mu bucuruzi, arateganya kugura imodoka izamufasha mu bikorwa bye. Kuri we ngo abataraga Coopec Inkunga barasigaye ngo ariko nibanabigana bajye birinda kuba bihemu. kuko bituma iterambere ridindira.

Mukabera Immaculee: Imyaka icumi y’iterambere akorana na COOPEC INZIRA

Mu kiganiro kirambuye twagiranye na Nsengimana Claudien umucungamutungo wa Coopec inkunga yadutangarije ko iki kigo cy’imari iciriritse cyabayeho ku cyifuzo cy’abahinzi borozi bo mu karere ka Rutsiro, bari batangiye gutera imbere babifashijwemo n’umuryango udaharanira inyungu witwa AJEMAC. Iyi COOPEC yatangiriye i Kibingo ku wa 28 Ukwakira 1993, itangizwa n’abanyamuryango 15 batanga umugabane w’amafaranga 500, aho amafaranga y’abanyamuryango yose yanganaga n’ibihumbi 7500 , maze baba batangije icyitwaga Banki IMBONEZABUKUNGU. Nyuma y’uko ibikorwa bya AJEMAC byari byimukiye I Rubengera abahinzi borozi 45 b’I Rubengera nabo bagiye kwigira kubyo Banki imbonezabukungu yagezeho bityo bashinga Coopec inkunga ku wa 15 Nzeli 1995.

Abatuye Karongi na Rutsiro nimusobanukirwe amavu n’amavuko ya Coopec Inkunga

Karongi na Rutsiro

Huye

Mu myaka isaga 10 amaze akorana n’ikigo cy’imari Iciriritse,COOPEC INZIRA,Immaculee Mukabera yemeza ko hari byinshi yagezeho ndetse ngo yizeye ko azanakomeza gutera intambwe ubudasubira inyuma.Mukabera, kuri ubu ufite abana bane, asanzwe akora ubucuruzi bw’ubuconsho mu isoko rikuru ry’Akarere ka Huye aho afite iduka rinini cyane acururizamo imyenda n’ibindi bikoresho bitandukanye.Uyu mubyeyi yatangiye acuruza imyenda mike yakoze (Second Hand) ariko nyuma aza kwinjira mu matsinda mato yo kugurizanya, ari nabyo byabaye nk’ibimukangura

Ku wa 18 Kanama 2005, nyuma y’uko Banki Nkuru y’igihugu isabiye ibigo by’imari iciriritse gukora mu buryo bujyanye n’igihe, ibi bigo byombi mu nama rusange yabihuje byahise byemeza ko biba ikigo kimwe cy’imari iciriritse cyitwa Coopec Inkunga. Muri 2009 COOPEC Inkunga yahawe ubuzima gatozi n’ikigo cy’igihugu gishinzwe iterambere ry’amakoperative(RCA) ndetse n’icyemezo cya burundu gitangwa na Banki Nkuru y’igihugu.Intego ya Coopec Inkunga ni uguteza imbere serivisi z’imari iciriritse hagamijwe cyane cyane kuzamura ubukungu bw’abatuye icyaro no kuba ikigo kihagije mu buryo burambye. Coopec Inkunga imaze kugera kuri byinshi Abanyamuryango bagera ku bihumbi icumi, bakaba bafite imigabane y’abanyamuryango irenga miliyoni 35, Inguzanyo zitangwa

gahoro abona ko gufatanya n’ahandi ndetse no gukoresha inguzanyo bishobora kumufungurira umuryango wo gutera imbere.Aya matsinda ndetse n’amashyirahamwe yo kubitsa no kugurizanya yakoreraga mu cyahoze ari komini Ngoma (Ubu ni mu karere ka Huye) yaje guhurizwa hamwe akora koperative imwe yo kubitsa no kugurizanya. Mukabera yemeza ko inguzanyo yahawe zagiye zimufasha kwagura ibikorwa bye ari nako yizamura mu mibereho no mu bukungu.Agira ati: “Gukorana n’ibigo by’imari iciriritse byamfashije kongera ubucuruzi bwanjye no gutera imbere.”Mukabera avuga ko kuri ubu ubucuruzi bwe

bwagutse ku buryo bugaragara, kuko ubu yavuye ku gucuruza imyenda mike yakoraga agitangira ubucuruzi ubu akaba afite iduka rinini ririmo ibicuruzwa bibarirwa mu ri za miliyoni z’amafaranga y’u Rwanda.“Inguzanyo nagiye mbona nizo zampaye umusingi wo kuzamuka mu bucuruzi no gukomeza gutera imbere,” uku niko Ibi kandi ngo byatumye akomeza kugirirwa icyizere ku buryo n’ubu iyo ashatse inguzanyo ayibona mu buryo bworoshye kubera icyizere afitiwe. Mukabera asanga gukorana na koperative zo kubitsa no kugurizanya bimuha inyungu kurusha gukorana na za banki kuko yemeza ko koperative zimuha inguzanyo vuba kandi zitamuruhije ndetse zikaba zimuri hafi.

ku mwaka zavuye kuri miliyoni 140 ubu zirarenga miliyari, umubare w’abagurizwa wavuye kuri 800, ugera ku 3500, inguzanyo ziri hanze zavuye kuri miliyoni 94 zigera kuri miliyoni zisaga 850, inguzanyo zakererewe avuye kuri 36% zigera kuri 5.6%, Iyi COOEC ikaba ikorera mu mirenge 15 yo mu turere twa Karongi na Rutsiro.

Mu nzitizi iyi koperative ihura nazo harimo ubwizigame bw’abanyamuryango

bukiri hasi bityo ubushobozi bwo gutanga inguzanyo bukaba buke, gukorana n’abanyamuryango bafite ubushobozi bukiri hasi, inguzanyo nyinshi zitangwa ku mishinga y’ubuhinzi n’ubworozi kandi akaba ari urwego rw’ubukungu rukunze guhura n’ibiza nk’amapfa, kugwa kw’ibiciro by’umusaruro ndetse naho bakorera haracyari ikibazo cy’ibikorwa remezo,aho usanga nta interineti ihari kugirango bakoreshe ikoranabuhanga.

Muhire Pascal ni umuhinzi mworozi wo mu murenge wa Miyove, akarere ka Rulindo, Intara y’Amajyaruguru. Ubuhinzi akora bwibanda ku birayi n’ubworozi bw’amatungo magufi, aho acuruza n’inyongeramusaruro.Muhire avuga ko yatangiye gukorana na koperative mu mwaka wa 2009, yaka inguzanyo ingana na Frw250,000 yo gukoresha umushinga w’ubuhinzi bw’ibirayi.Muhire asobanura ko yatangiye akora ubuhinzi ku buso bungana na ari 50 ubu akaba ageze kuri hegitari eshatu asimburanya ho ibihingwa ngandurarugo.Kuri iyi nguzanyo yabashije no kugura inka 10 n’intama zimuha ifumbire bityo umusaruro ukiyongera.

Kuzigama muri COOPEC ITI byahinduye ubuzima bwanjye- Muhire

Niba Abanyarwanda bifuza gukira bagomba kwitoza kuzigama- Minisitiri Gatete

Mu gutangiza icyumweru cyo kuzigama cyatangijwe mu rwego rwo kwizihiza umunsi mpuzamahanga wo kuzigama, Minisitiri w’Imari n’Igenamigambi Amb. Claver Gatete yasabye Abanyarwanda kwitoza kubika bakabigira nk’umuco niba bashaka gukira.Mu rwego rwo kwizihiza uyu munsi, u Rwanda rurakangurira abaturage kwizigamira bihagije kugira ngo babashe kwigira mu bukungu “Kuzigamira kwigira”.Minisitiri w’Imari n’Igenamigambi Amb. Claver Gatete yavuze ko umunsi wo kwizigama ari umunsi w’ingenzi cyane ku Banyarwanda

Rulindo

Muhire ati, “Iyo ufite ubushake ntakidashoboka.Umushinga muto ushobora kubyara umunini iyo ukoranye na Koperative nka COOPEC ITI ikwegereye kandi ikuba hafi”.Akomeza avuga ko cooperative ibafasha mu kubaha inguzanyo ndetse no mu bujyanama mu gukora imishinga iciriritse.Akomeza agira ati: “Iyi koperative idutega amatwi ikatwumva, iratwizera, ikatugira inama muri byose, ihora idushakira icyaduteza imbere. Kuva natangira gukorana nayo sindasubira inyuma , narungutse kandi ngeze kuri byinshi”. Muhire yatangiye mu mwaka wa 2009, aho yatse inguzanyo muri koperative ingana na Frw250, 000 icyo gihe yatanze ingwate y’umurima kugira ngo abashe kunoza ubuhinzi bwe yakoraga ku buso buto cyane bungana na ari 50.

kuko bagomba kongera kwigishwa no kwibutswa akamaro ko kwizigama.

Kugeza ubu ngo imibare igaragaza imiterere y’umusaruro rusange w’igihugu (GDP) iheruka, igaragaza ko ubwizigame bw’Abanyarwanda buri ku kigereranyo cya 9,7%. Ariko ngo intego ni uko mu mwaka w’ingengo y’imari utaha wa 2014-2015 imibare yazazamuka kurushaho.Misitiri Gatete yagize ati “Dukeneye nibura ko Abanyarwanda bagera ku bwizigame kugera kuri 20% by’umusaruro rusange w’igihugu (GDP) mu mwaka wa 2020 kugira ngo ishoramari ryiyongere nibura ku kigereranyo cya 30%.”Akomeza avuga ko kugira ngo ibi bigerweho bisaba ko kwizigama biba nk’umuco mu Rwanda kuko ngo nta kuntu imibereho y’Abanyarwanda yatera imbere batizigama.Agira ati “Kwizigama ntaho bihurira no kuba winjiza bicye cyangwa byinshi, bisaba

gusa kuba warabigize umuco.”

Minisitiri Gatete avuga ko niba Abanyarwanda bashaka kuba abakire bakeneye ishoramari ryagutse kandi ngo ibyo ntibishobora kugerwaho batazigama.Amb. Gatete asanga kwizigama bidakwiye guharirwa abafite amikoro menshi kubera ko kwizigama ari ingirakamaro kuri buri Munyarwanda wese, yaba umuntu ku giticye cyangwa itsinda ry’abantu.U Rwanda rwizihije ku nshuro ya mbere umunsi wo kwizigama mu mwaka wa 2009, ari na bwo guverinoma yatangizaga gahunda y’igihugu yo kwizigama “National Savings Strategy”.Gushyira mu bikorwa iyi gahunda y’igihugu yo kwizigama byatumye amabanki yakira ubwizigame ku kigereranyo cya 11, 5%, amafaranga yabikijwe ava kuri Miliyari 844 mu mwaka wa 2012, agera kuri Miliyari 940 muri Kamena 2013.

Buhoro buhoro uko koperative igenda itera imere niko nagendaga naka inguzanyo kugeza aho nashoboye kwaka inguzanyo ya miliyoni eshatu bitewe nuko nari maze kubona ingwate ihagije.Muhire avuga ko iyi nguzanyo yabashije kuguramo imirima, akubaka mo inzu yo gukoreramo ubucuruzi bw’inyoneramusaruro ndetse n’inzu yo guturamo byose bihwanye na miliyoni 7.Kuri we asanga ibanga ryo kwikura mu bukene ari ugukorana na koperative kandi ugatinyuka gushora.Ibyo amaze kugera byose avuga ko abikesjha gukorana na koperative, akisyurira igihe kandi ngo ntazigera ateshuka kureka gukorana na koperative kuko aho yamukuye hari habi.Akaba asanga abantu badatinyuka ngo bake inguzanyo bakore imishinga barahombye kuko we yemeza ko ari ukwiyima amahirwe.

Muhire Pascal

ku buryo bwemewe n’amategeko, ari nabyo byahaye

Ndamuzeye amahirwe yo kurushaho gutera imbere. Ubu, Ndamuzeye ni umunyamuryango wa CMF Umwete, ikigo cy’imari iciriritse gikorera mu mirenge 12 y’akarere ka Rusizi na Nyamasheke.“Impamvu nahisemo gukorana n’ibigo by’imari iciriritse ni uko ari ibigo biba byegereye abaturage neza kandi tubana nabyo mu buzima bwa buri munsi. Akenshi na kenshi ni ibigo biba byavutse bivuye mu bushake bw’abaturage cyangwa mu bwende bwacu;usanga rero umuntu abifitiye icyizere kurusha biriya binini biba byaje biturutse hejuru,” Uku niko Ndamuzeye asobanura impamvu atigeze yifuza gukorana na Banki z’Ubucuruzi.Akomeza agira ati, “Ni ibigo abantu baba bitekerereje bakagerageza no kubitangamo ingufu zabo ku buryo umuntu aba abona anafitemo ijambo ku buryo buhagije kuko n’ibitatunyura tubitangamo ibitekerezo nabyo bigahinduka”.Ndamuzeye avuga ko kuva yatangira gukorana n’ibigo by’imari iciriritse yabashije kubona inguzanyo mu bihe bitandukanye zanamufashije kwikura mu bukene no kwiteza imbere.Agira ati, “Inshuro maze guhabwa inguzanyo ni nyinshi cyane. Natangiye mfata amafaranga make, mpereye ku bihumbi 50 ariko ubu ngeze ku rwego rwo guhabwa ibihumbi 700.”Mu myaka ibiri ishize, Ndamuzeye yahawe inguzanyo na CMF Umwete ahita aguramo inka ya kijyambere.Iyi nka ubu yamaze kubyara,bikaba byaratumye uyu mugabo yongera umubare

w’amatungo ye ndetse abasha no kubona amata yo gutunga umuryango we ugizwe n’umugore n’abana batatu.

Uyu mugabo kandi yoroye andi matungo ari mo ihene n’Ingurube ndetse akagira n’imirima itatu igera kuri hegitari, byose akemeza ko abikesha gukorana n’ibigo by’imari iciriritse.Ndamuzeye kandi afite imirima isaga umunani mu gishanga cya Bugarama akemeza ko ku mwero asarura byibuze umuceri ufite agaciro ka miliyoni ebyiri. Uyu mugabo kandi unakora ubuhinzi bw’ibigori, kuri ubu akaba afite hafi hegitari yabyo.Atunze kandi ipikipiki yo mu bwoko bwa Loncin LC yifashisha mu bikorwa bye by’ubuhinzi n’ubworozi.Ndamuzeye agira ati, “Ubu umutungo mfite nywukesha imikorere n’imikoranire yanjye n’ibigo imari iciriritse. Hamwe n’iyo mikoranire myiza, nagendaga naka inguzanyo ngakora nishyura icyo nsaguye nkaka indi, inyungu nkagura imirima, inka n’ibindi.”Ndamuzeye avuga ko ateganya ko mu mpeshyi itaha azatangira umushinga wo kwiyubakira inzu igezweho kugira ngo nawe ature heza.Uyu mugabo yemeza ko we ibanga yakoresheje kugira ngo yivane mu bukene nta rindi uretse gukora cyane no gukorana n’ibigo by’imari iciriritse.Agira ati, “Ibanga rya mbere ni ukwizigamira, icya kabiri ni ukugerageza kwishyura neza inguzanyo umuntu yahawe. Nicyo gituma umuuntu abasha gukora akagira icyo ageraho kuko iyo umuntu yabikije aba yiteganyirije bigatuma abasha no guteganyiriza n’ejo hazaza he.”

Birava kurup-3

Gukorana n’ibigo by’imari iciriritse, ibanga rigana ku bukire - Ndamuzeye