1REPUBULIKA YU RWANDA

IKIGO CYIGIHUGU GISHINZWE GUTEZA IMBERE AMAKOPERATIVE

P.O BOX 6249KIGALI- RWANDA

TUMENYE KOPERATIVE, INZIRA YO

KURWANYA UBUKENE

Ugushyingo, 2010

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3ISHAKIRO RYIBIRIMO

I. INTANGIRIRO .........................................................................................5II. KOPERATIVE ICYO ARI CYO ..................................................................6III. AMAHAME REMEZO AGENGA KOPERATIVE..................................7

III.1. KWINJIRA MURI KOPERATIVE KU BUSHAKE KANDI NTAWE UHEJWE .........................................................................7III.2. GUKORERA MU MUCYO NA DEMOKARASI ............................7III.3. URUHARE RWUMUNYAMURYANGO MU MIZAMUKIRE YUBUKUNGU BWA KOPERATIVE ........................................................7III.4. UBWIGENGE NUBWISANZURE BWA BURI KOPERATIVE ...7III.5. KWIGISHWA, GUHUGURWA NO GUHABWA AMAKURU KU BANYAMURYANGO ...........................................................................7III.6. KWITA KU BUFATANYE HAGATI YAMAKOPERATIVE .......7III.7. KUZIRIKANA ITERAMBERE RYAKARERE KOPERATIVE IKORERAMO ................................................................................................8

IV. UMUCO AMAKOPERATIVE AGENDERAHO KANDI AGOMBA KUBAHIRIZA .............................................................................................8

V. AKAMARO KA KOPERATIVE KU BANYAMURYANGO (BENEFITS TO MEMBERS)........................................................................8VI. AKAMARO KA KOPERATIVE MU ITERAMBER RYUBUKUNGU

BWIGIHUGU ..............................................................................................9VII. UBWOKO BWA KOPERATIVE..............................................................9VIII. UKO KOPERATIVE ISHINGWA MU RWANDA............................11

IBISABWA : .................................................................................................11INAMA ZIGOMBA GUKORWA KUGIRANGO KOPERATIVE ISHINGWE .......................................................................12

IX. INZEGO ZUBUFATANYE MU MAKOPERATIVE ...........................13X. ITANDUKANIRO RYISHYIRAHAMWE NA KOPERATIVE .............................................................................................14

IBIRANGA ISHYIRAHAMWE NIBIRANGA KOPERATIVE..............................................................................................14ITANDUKANIRO HAGATI YISHYIRAHAMWE RIDAHARANIRA INYUNGU, KOPERATIVE NA SOSIYETE YISHORAMARI......................................................................15

XI. IMIKORERE IGOMBA KURANGA AMAKOPERATIVE ..................17IBIRANGA UBUYOBOZI BWIZA............................................................18IBIRANGA UMUYOBOZI MWIZA ........................................................18

XII. IBIBAZO AMAKOPERATIVE AHURA NABYO MU RWANDA ...19XIII. URUHARE RWA LETA MURI KOPERATIVE ..................................20XIV. UMWANZURO ....................................................................................20

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5INTANGIRIROI.

Muri kamere muntu, Umuntu wese yifuza gutera imbere, yaba yarize cyangwa atarize, mu mitekerereze ye aba yifuza iterambere muri byose. Ubishoboye rero abigeraho bitewe ningingo nyinshi zibimuteye.

Kuba yarabashije kugira amahirwe yo kwigaKuba abashije kugira amahirwe yo kubona igishoroKuba asobanukiwe nicyo gukora,uburyo bwimikorere myizaHari nizindi mpamvu nyinshi.

Utarabashije kugira ayo mahirwe akomeza gukora uturimo duhwanye nuko ingufu nubushobozi bwe bingana.Icyo bishatse kutubwira rero ni uko umuntu ariwe ushobora gushyira muri gahunda icyo agamije kuba cyo. Umuntu ni intangiriro niherezo ryamajyambere.

Leta rero yasanze ko KOPERATIVE ariyo nzira nziza yo kurwanya ubukene, bukaranduranwa nimizi yabwo igihe cyose Umunyarwanda azakira Koperative nta kureba inyuma, ahubwo akamenya aho avuye, ahanze amaso aho agiye.

Guverinoma ishyigikiye iterambere rya Koperative mu buryo ubwo ari bwo bwose kuko byabonetse ko ariyo ntwaro ikomeye ibihugu byamahanga byitwaje kugirango bibe ibihangange. Amakoperative ashobora kurwanya ubukene kuko atuma abantu bihangira imirimo.

6II. KOPERATIVE ICYO ARI CYO

Koperative ni umuryango wigenga, uhuriweho nabantu bawugiyemo ku bushake bwabo, bagamije gushyira mu bikorwa ibyifuzo byabo no gukemura ibibazo bahuriyeho mu byubukungu, mu mibereho myiza no mu byumuco, bakorera hamwe ibikorwa byunguka. Baba basangiye umutungo kandi bafite uburenganzira bungana mu micungire yuwo mutungo.Koperative igizwe nabantu bihangiye ibikorwa rusange byunguka, bakabyiyoborera ubwabo mu bwisanzure no mu buringanire, batanga imigabane ingana mu mari-shingiro, bakemera gusangira inyungu cyangwa igihombo ku buryo bungana, bakanashishikarira kugira uruhare mu iterambere ryumuryango wabo.Koperative kandi igomba kuba ifite ubuzimagatozi ihabwa nUbuyobozi bubifitiye ububasha.Ubwo buryo bwo gusobanura Koperative icyo ari cyo bugaruka ku ngingo zikomeye zikurikira:

Koperative ni umuryango wigenga wabantu ku giti cyabo cyangwa ibigo bifite ubuzima gatozi ;Abanyamuryango bayo bakorera hamwe bagamije kwiteza imbere;Abanyamuryango bayo bakora bagamije kurwanya ubukene no kugarura umuco;Muri Koperative harangwamo uburinganire, kwiteza imbere na demokarasi;Abanyamuryango bagomba Kugira uruhare ku mutungo wa Koperative ;Ubunyangamugayo ni ngombwa ku banyamuryango bose ba Koperative;Muri Koperative ntawe uhezwa;Muri Koperative hashyirwa imbere inyungu rusange zAbanyamuryango;Koperative ni urubuga nyarwo rwo kubonera ibisubizo ibibazo byAbanyamuryango.

7III. AMAHAME REMEZO AGENGA KOPERATIVE

III.1. KWINJIRA MURI KOPERATIVE KU BUSHAKE KANDI NTAWE UHEJWEUmuntu wese afite uburenganzira bwo kujya muri Koperative mu gihe abona bimufitiye inyungu kandi agakurikiza umurongo ngenderwaho wa Koperative. Igihe imubangamiye ashobora kuyivamo nta mananiza kandi agasubizwa umugabane we uriho ninyungu zawo.

III.2. GUKORERA MU MUCYO NA DEMOKARASIMuri Koperative umunyamuryango agira ijwi rimwe kandi ringana nirya mugenzi we mu matora. Abanyamuryango kandi bagomba kugira uruhare rungana mu gufata ibyemezo mu nama rusange.

III.3. URUHARE RWUMUNYAMURYANGO MU MIZAMUKIRE YUBUKUNGU BWA KOPERATIVE Muri Koperative, abanyamuryango bagomba gutanga imigabane ingana mu marishingiro kandi bakabikorera ku gihe. Ni ngombwa kandi kumenya ko imigabane yabanyamuryango yunguka buri mwaka 6% avuye ku nyungu zose zabonetse mu bikorwa bya Koperative. Inyungu za Koperative zigomba kugera kuri buri munyamuryango ku buryo bungana.

III.4. UBWIGENGE NUBWISANZURE BWA BURI KOPERATIVEKoperative igomba kwigenga ku mutungo wayo nimicungire yawo. Igomba kandi kwigenga mu mikorere yayo, bityo Leta cyangwa Umuterankunga ntibyinjire mu micungire yumutungo nimiyoborere byayo.

III.5. KWIGISHWA, GUHUGURWA NO GUHABWA AMAKURU KU BANYAMURYANGOKoperative ifite ishingano yo kwigisha no guhugura Abanyamuryango bayo, kandi abagize inzego zubuyobozi bakagenerwa amahugurwa yihariye mu rwego rwo kumenya inshingano zabo za buri munsi. Ni ngombwa kandi ko abanyamuryango bahabwa amakuru ahagije ku mikorere nimicungire yumutungo bya Koperative yabo.

III.6. KWITA KU BUFATANYE HAGATI YAMAKOPERATIVEMu rwego rwo gushimangira ubufatanye hagati yAmakoperative hagamijwe kongera ingufu no kongera umusaruro, Koperative nibura eshatu kujyana hejuru zikora ibintu bimwe, zishyira hamwe zigakora

8. Amahuriro atatu kujyana hejuru nayo yishyira hamwe agakora . Impuzamahuriro nazo zirihuza zigakora

III.7. KUZIRIKANA ITERAMBERE RYAKARERE KOPERATIVE IKORERAMO

Koperative igomba kuba umusemburo wamajyambere yAkarere ikoreramo ikaba icyitegererezo ku bandi baturage, kandi ikababera urugero mu bikorwa byindashyikirwa.

IV. UMUCO AMAKOPERATIVE AGENDERAHO KANDI AGOMBA KUBAHIRIZA

Koperative ni umuryango wabantu ku giti cyabo ufite ubuzimagatozi, ugizwe n abantu bakora ibikorwa bigamije kubateza imbere kandi ugakurikiza amahame ariyo : gufatanya, kwiteza imbere, demokarasi, uburinganire no kugira uruhare rungana ku mutungo wayo. Abantu bagomba kurangwa nubupfura no kuba abanyakuri no gukorera mu mucyo (Honesty), kuvuga icyo batekereza (Openness), umuco wo kwifasha ( Self-help) no kugobokana (Mutual responsibility), no kwita ku muryango mugari wAkarere Koperative ikoreramo (Social responsibility).

V. AKAMARO KA KOPERATIVE KU BANYAMURYANGO( BENEFITS TO MEMBERS)

Kubona ibikoresho bitandukanye; binyuze muri koperative - abanyamuryango bashobora kubona ibikoresho bitandukanye birimo imiti,amafumbire,imbuto, ibicuba (cans) Gukura mu bukene abanyamuryango bayo- Kubakura mu bujiji- Kwigisha kwihangira imirimo- Kwimakaza umuco wa demokarasi- Kubashishikariza kugira umuco wo kuzigama- Kubigisha gukora imishinga iciriritse-

9VI. AKAMARO KA KOPERATIVE MU ITERAMBERE RYUBUKUNGU BWIGIHUGU

Koperative ni umusemburo witerambere numusingi wo kugabanya ubukene, bityo ubukungu bwIgihugu bugatera imbere mu buryo bwihuse.

Koperative zifasha mu kongera umusaruro:Koperative zigira uruhare runini mu kongera umusaruro - mu bwinshi no mu bwiza. Ibi bishoboka kuko Koperative ari umuyoboro wo gucishamo ifumbire, imbuto nziza, amahugurwa, nibindi abanyamuryango bashobora kubonera hafi kandi ku giciro cyiza ndetse bakanabishyuza ku buryo buboroheye, abanyamuryango kandi baba bashobora no kwiyubakira inganda nto zongerera agaciro umusaruro.Koperative zifasha mu gukurikiranira hafi uko abanyamuryango - bakoresha ifumbire nimiti

Koperative zigira uruhare mu gushyiraho no kubungabunga ibikorwa remezo Koperative zifite uruhare mu kurwanya ubukene kuko zitanga akazi mu buryo buziguye cyangwa butaziguyeKoperative zifasha abanyamuryango bayo kubona inguzanyo bakabasha gukora imishinga ibyara inyungu, bityo ubukungu bukarushaho kwiyongeraKoperative zifite uruhare mu kwegereza abaturage ikorana buhanga (ICT)Koperative zifite uruhare mu kongera ubumenyi bwabanyamuryango binyuze mu mahugurwa, ibyo bigatuma batera imbere kurushaho mu mwuga bakora ugatanga umusaruro utubutse. Iyo Koperative zunguka nIgihugu kiba gitera imbereKoperative zifite uruhare mu mibanire nimihahirane hagati yIgihugu namahanga, bityo ubukungu bukarushaho kuzamuka.

VII. UBWOKO BWA KOPERATIVE

Koperative zo kuzigama no kugurizanya: SACCO cyangwa COOPEC ni Koperative ifasha abanyamuryango bayo kubona amafaranga no kuzigama uko babyishakiye bakurikije umurongo ngenderwaho bihaye.

Koperative yabaguzi, ifasha abantu guhangana namasoko .

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Koperative yabakozi , ifasha abantu kwihangira imirimo.Koperative yo kongera umusaruro no gushakisha amasoko (Production and marketing cooperative). Urugero: Ubuhinzi ,Uburobyi,Ubworozi Koperative zabanyabukorikori :

zifasha abanyabukorikori gukora ibintu bitandukanye no kubasha kubigurisha. Koperative ibereka nimikorere myiza ibafasha kubona isoko. Muri Koperative yubukorikori bashobora kuhamenyera uburyo bwo kuzigama nuburyo babasha kubona inguzanyo bitabaruhije

Koperative zubwubatsi :

izo Koperative zifasha bene zo kwiyubakira amazu ndetse byaba byiza bakabasha no kubaka amazu ashobora kugirira abandi baturage akamaro ni ukuvuga amazu ashobora kugurishwa cyangwa gukodeshwa. Muri Koperative yubwubatsi bashobora kuhamenyera uburyo bwo kuzigama nuburyo babasha kubona inguzanyo bitabaruhije.

Koperative zubworozi bwamafi :Izo Koperative zifasha abanyamuryango bazo mu mibereho myiza yabo. Zituma bashobora kwishakira ibikoresho byiza bigendanye nigihe bagezemo bityo bakongera umusaruro wamafi. Bashobora kuhamenyera uburyo bwo kuzigama no kubona inguzanyo bitabaruhije

Koperative yubucuruzi :Commercial Cooperative cyangwa se Entreprise /Cooperative.Koperative zifashe impu nyinshi :

Aya makoperative afasha ba nyirayo gukorera hamwe imirimo myinshi inyuranye (multi-purposes cooperatives).

Urugero: Kugura no kugurisha ibihingwa bivuye mu mirima, ukanacuruza amavuta (petrole), ukagira iduka. Ibi rero ni ibikorwa bikomeye bikwiye gukorwa na Koperative zimaze kugirirwa icyizere, ni ukuvuga zifite imikorere myiza. Kuko niba bitabaye ibyo utubiri twotsa amatama.

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VIII. UKO KOPERATIVE ISHINGWA MU RWANDA

IBISABWA :Kugira ngo Koperative ishingwe, hagomba:1.

Nibura abanyamuryango barindwi (7) (mu minsi iri imbere bazaba ari 10), ni ukuvuga ko bibaye byiza baba benshi kuko iyo babaye benshi ingufu zaba izamaboko,zaba izibitekerezo ndetse niz umutungo biriyongera. Bityo Koperative igatera imbere.

Abo Bantu bagomba kuba atari abo mu rugo rumweBagomba kuba bujuje imyaka itari munsi ya 16 .Bashobora gukora Koperative yabo ku giti cyabo ariyo yitwa koperative yibanze (Primary Cooperative cyangwa cooprative primaire ). Imari shingiro yemejwe igatangwa

Ibaruwa isaba ubuzimagatozi, binyujijwe ku Muyobozi wAkarere, 2. hagatangwa kopi ku Ntara no ku Rukiko rwaho Koperative ikoreraIbiherekeza iyo baruwa isaba ubuzimagatozi:3.

Amategeko shingiro ya Cooperative agomba kugaragaramo: a. Izina rya Koperativei. Abanyamuryango shingiroii. Icyicaro cyayo, adresi na telefoni niba bayifiteiii. Intego yayo nimirimo ikoraiv. Imbibi za Koperativev. Imari shingiro, umugabane wa buri munyamuryango vi. nagaciro kawoInzego zubuyobozi bwa Koperative vii. Igihe Koperative izamaraviii. Igihe fatizo cyimbonezamutungo wa Koperativeix.

Amategeko yumwihariko ya Koperativeb. Urutonde rwabanyamuryango bose n isinya zaboc. Icyemezo cyAkarere Koperative ikoreramod. Inyandiko-mvugo yinama ya mbere ishyiraho iyo e. Koperative ninzego zayo.Urutonde rwabagize inama yubuyobozi+ isinya nicyo f. bakoraUrutonde rwabagize inama yubugenzuzi + isinya nicyo g. bakoraUrutonde rwabagize Komite itanga inguzanyo no kwishyuza h. (iyo ari coopec /sacco)

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INAMA ZIGOMBA GUKORWA KUGIRANGO KOPERATIVE ISHINGWE

Inama ya mbere:Kwegeranya ibitekerezo no kumvikana ku bibazo bashaka gukemura bashobora kuba bareba

abanyamuryango bafite, gukora Igenamigambi, umugabane wa buri munyamuryango, imari shingiro ya Koperative yabo, kugena aho icyicaro cya Koperative yabo kizabarizwa, imbibi zaho bazakorera ..

Inama ya kabiri:Gusobanura umushinga no gufata ibyemezo byo kuwushyira mu bikorwa. Iyo nama ishyiraho komisiyo yo kwandika amategeko iyo Koperative igenderaho.

Inama ya gatatu:Gusobanurira neza abanyamuryango amategeko no kunonosora umushinga wa Koperative

Inama ya kane:Inama rusange ya mbere ya Koperative ,bemezamo Umushinga,batora inzego zubuyobozi, bakemeza imigabane nigihe ntarengwa cyo kuyitanga

Abayobozi batowe bategura amategeko yihariye (Internal regulation/rglement dordre intrieur) akemezwa ninama rusange idasanzwe ikurikirana ninama ya kane.Koperative yemererwa gukora imaze kwiyandikisha no kubona icyemezo cyubuyobozi bwaho ikorera.Ibikorwa bya Koperative bigenda neza, igomba gusaba ubuzima gatozi mu Kigo cyIgihugu gishinzwe guteza imbere amakoperative kugirango irusheho gukora mu bwisanzure no kuba yabasha gukorana nizindi nzego nka BANKI.Kugira ngo imikorere yayo igende neza iyo Koperative ikwiye kujya isaba amahugurwa ababifitiye ubumenyi.

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IX. INZEGO ZUBUFATANYE MU MAKOPERATIVE

Amakoperative, bitewe nibikorwa ahuriyeho, atatu cyangwa arenze, afite ubuzimagatozi, yujuje ibyangombwa bisabwa namategeko, ashobora kwishyiriraho Union ari ryo Huriro.Amategeko yemera ko igihe Amahuriro amaze gukomera, ashobora kwishyiriraho Federation ari yo Mpuzamahuriro igomba kubavuganira ku rwego rw Igihugu na mpuzamahanga.Impuzamahuriro eshatu cyangwa zirenze zishobora kwishyiriraho Confdration cyangwa Urugaga rushobora kuvuganira abanyamuryango mu rwego mpuzamahanga, nkuko biteganywa nIhuriro mpuzamahanga ry amakoperative (Alliance Internationale des Cooprative).

Inshingano zinzego zamakoperativeGufasha amakoperative azigize mu mikorere yayo ya buri munsi.Gufasha andi makoperative avutse mu miyoborere no mu mategeko azigenga (statut).Gushakira amakoperative amasoko no gushimangira ubuhahirane hagati yamakoperative ubwayo.Guhagararira no kumenyekanisha Amakoperative mu Gihugu no mu Mahanga.Guserukira amakoperative mu nzego za Leta.Gutegura amahugurwa ningendo shuri bigamije guteza imbere ubumenyi bwAbanyamuryango.

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X. ITANDUKANIRO RYISHYIRAHAMWE NA KOPERATIVE

IBIRANGA ISHYIRAHAMWE1 NIBIRANGA KOPERATIVE

ASOSIYASIYO IKORA IMIRIMO IBYARA INYUNGU

KOPERATIVE

Ni abantu bishyira hamwe biyemeje kugirango bahuze ibitekerezo byabo numusaruro kubyo bafatanije. Abo bantu baba bazwi nakarere gusa cyangwa nako ntikabamenye.

Koperative ni umuryango wigenga uhuriweho nabantu bawugiyemo ku bushake bwabo, bagamije gushyira mu bikorwa ibyifuzo byabo cyangwa gukemura ibibazo bahuriyeho mubyubukungu cyangwa imibereho yabo myiza, cyangwa mu rwego rwumuco bakorera hamwe ibikorwa byunguka.Baba basangiye umutungo kandi bafite uburenganzira bungana mu micungire yuwo mutungo

Gushaka inyungu yihuta, kuko baba barambirije ku baterankunga.

Inyungu ntabwo yihuta ahubwo igenda ikura bitewe nimikorere myiza, no gukora abanyamuryango baziko bikorera.

Inyungu nkeya, kandi akenshi ifitiye akamaro abayobozi bIshyirahamwe gusa.

Inyungu nyinshi kandi ifitiye akamaro buri munyamuryango, imigabane ingana,inyungu kuri buri wese, kugabana igihombo

Kutabona aho urega kuko nta buzimagatozi

Kubasha kurenganurwa kuko ifite itegeko riyigenga.

Kutabasha kubona inzego nkuru zibavugira kuko nta mategeko aberekera uko biyubaka

Kubasha kugira inzego nkuru zubuvugizi. ihuriro ribasha kubashakira amasoko , kubafasha mu miyoborere myiza, kubaha ibikoresho ninama. Impuzamahuriro ibasha kubashakira isoko mpuzamahanga

1 Ishyirahamwe rivugwa hano ni umuryango wabantu bishyizehamwe kandi bagamije gukora ibikorwa bibyara inyungu ariko batiyemeje kuba Koperative

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ITANDUKANIRO HAGATI YISHYIRAHAMWE RIDAHARANIRA INYUNGU, KOPERATIVE NA SOSIYETE YISHORAMARI

Koperative sosiyete (S.A.R.L, S.A) ishyirahamwe ridaharanira inyungu

IMIGABANE IMIGABANE IMIGABANE

Umugabane uba wanditse ku munyamuryango

Mu bisanzwe, umugabane ntabwo ugira izina (umugabane ntabwo ugomba kungana), ariko wandikwa kuri nyirawo

Ntamugabane utangwa, biterwa nabo biyemeje gukorana nabo, hari ubwo umunyamuryango asabwa gutanga amafaranga yo kwiyandikisha

Imigabane yose hamwe ariyo mari shingiro igenda izamura agaciro kayo buri mwaka bitewe nuko abanyamuryango babyiyemeje kandi umugabane ntugurishwa

Umutungo ugenda wongera agaciro, umunyamuryango ashobora kugurisha umugabane we, cyangwa kuwegurira uwo ashatse.

Umuntu wese ashobora kuba umunyamuryango yaba abifitemo inyungu cyangwa ntayo abifitemo ari uburyo bwa gufasha gusa

Koperative igizwe nabanyamuryango byibuze barindwi kandi batari abo murugo rumwe

Byibuze abantu babiri bashobora kuba ari abo murugo rumwe cyangwa mu ngo zitandukanye

Byibuze abantu bafite ibintu runaka bahuriyeho, baba bagamije gufasha. Urugero : imfubyi, ababana nubwandu ; nibindi nkibyo

AMAJWI AMAJWI AMAJWI

Umunyamuryango agira ijwi rimwe mu matora aho amajwi angannye ijwi rya perezida rikemura impaka

Umunyamuryango wa koperative, agira ijwi ringana nirya mugenzi we.

Koperative ifite abanyamuryango benshi,kandi batuye batandukanye cyane, bashobora gutora ababahagararira mu nama.

Umunyamuryango agira amajwi menshi bitewe nimigabane yashoye muri sosiyete

Ijwi ryumunyamu-ryango, rigira agaciro bitewe numugabane cyangwa imigabane afite muri sosiyete arimo

Mu bisanzwe umunyamuryango agira ijwi rimwe, ashobora guhagararirwa

Itora rigenwa gusa namategeko bagenderaho.

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Inyungu Inyungu Inyungu

Hakurikijwe itegeko rigenga amakoperative, koperative ntigomba guharanira inyungu zikirenga nkubundi bucuruzi, ahubwo iharanira inyungu za buri munyamuryango.Inyungu zishobora kugabanywa abanyamuryango, gukoreshwa mu bikorwa byiterambere rya koperative, kuzigamira koperative, gutanga ubwasisi ku banyamuryango, hakurikijwe uko bungutse nuko bagiye bitanga mu mirimo bashinzwe, nibo bumvikana muri ibyo byose, bigashyirwa mu bikorwa ninzego zubuyobozi bwa Koperative.

Nta rubibi ruhari ku nyungu ku migabane, ni ukuvuga ko buri munyamuryango abona inyungu akurikije ibyo yashoye.Inyungu zigabanwa hakurikijwe imigabane ya buri muntu yagiye ashora, nuburyo yagiye yongera igishoro.

Umutungo utakoreshejwe ntabwo ugabanywa abanyamuryango ; nta kugabana inyungu bihaba, kuko baba bitwa ko badaharanira inyungu.Umutungo utakoreshejwe, ugomba gusubizwa mu kigega cyabugenewe cyuwo muryango ukazagenerwa icyo ugomba gukoreshwa

UBUZIMAGATOZI UBUZIMAGATOZI UBUZIMAGATOZI

Ubuzimagatozi, butangwa n.Urwego rushinzwe guteza imbere amakoperative

Bagomba kugira icyemezo cyubucuruzi (registre de commerce) itangwa na RDB

Imiryango idaharanira inyungu, yiyandikisha mu buryo bwemewe namategeko muri MINIJUST ari nayo iyiha ubuzimagatozi.

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XI. IMIKORERE IGOMBA KURANGA AMAKOPERATIVE

Amakoperative akora neza arangwa nibi bikurikira:

A. Kugira Igenamigami rihamye(action plan)Gutegura ibizakorwa na Koperative Gutegura imari izakoreshwa Guteganya igihe buri kintu kizakorerwa nabazagikora Gusaba Inteko rusange kwemeza iryo genamigambi.Gushyira iryo genamigambi mu bikorwa nkuko ryemejwe .

B.Kugira inzego zubatse neza kandi zikora Inteko Rusange:

Urwego rukuru rwa Koperative- Urwego rufata ibyemezo - Urwego rutanga umurongo ngenderwaho (Policy)-

Inama yubuyobozi :Ni urwego ruyobora Koperative kandi rugashyira mu bikorwa ibyemezo byInteko rusange.

Inama yubugenzuzi :Ni urwego rugenzura imicungire ya Koperative nikoreshwa ryumutungo wayo, rugenzura kandi uburyo amategeko ashyirwa mu bikorwa.

C. Gucunga neza umutungo wa Koperative Gukoresha imari icyo yagenewe - Kugira - umucungamutungo ubijijukiwemo Kwirinda - kunyereza, gusahura no kwiba umutungo wa Koperative Gukoresha - ibitabo byabugenewe kandi bikandikwamo neza

igitabo cyisandukaigitabo cya bankiigitabo cyabatishyuyeigitabo cyabatishyuweigitabo cyibyaranguweigitabo cyibyacurujweigitabo cyitubyamutungo igitabo cyibyongera umutungo amafishi yibibitswe (ibikoresho, inyongeramusaruro, imbuto, )amafishi yibirambaifishi yumutungo washowe nabanyamuryango (ya buri muntu cyangwa ya rusange)Ifoto yumutungo

Kumenyesha banyirawo uko uhagaze buri gihe.-

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Kugira ibitabo byangombwa aho bakorera aribyo ibi bikurikira:a) a) Kopi yitegeko rigena ishyirwaho, imiterere nimikorere

yamakoperative mu Rwanda; b) Icyemezo cyo kwemerwa nka Koperative( Ubuzimagatozi); c) Kopi yamategeko nshingiro yayo hamwe namategeko

yumwihariko; d) Igitabo cyanditswemo abanyamuryango nimigabane yabo; e) Ibitabo byose byicungamutungof) Kopi yifoto yicungamutungo yemejwe nabagenzuzi bimari

babifitiye ubushobozi nuburenganzira; g) Igitabo cyanditsemo abanyamuryango nabazungura babo.

N.B: Ibyo bitabo byose bigomba gushyirwa aho bishobora kugenzurwa nabanyamuryango nabandi babishinzwe. IBIRANGA UBUYOBOZI BWIZA

Kugira umurongo bugenderaho nintego isobanutse Kugira imigambi yo guteza imbere imibereho yabanyamuryango bubafasha kwikura mu bukene Kumenya ko ubuyobozi ari indagizo Gukoresha ubuyobozi mu nyungu za Koperative. Ibyo bishoboka iyo ubuyobozi:

Bushingira kandi bugendera ku mategeko Bureshyeshya abanyamuryango imbere yamategeko Butuma abanyamuryango bagira uruhare mu miyoborere ya Koperative Bukoresha inama nkuko bisabwa namategeko Bukorera mu mucyo mu nyungu zabanyamuryango Bwemera inama no kunengwa

IBIRANGA UMUYOBOZI MWIZAGufatanya nabo ayobora kugena inzira nziza ihamye ikwiye gukurikizwa Guhuza ibikorwa nabo ayobora Guharanira ibyateza imbere abo ayobora na Koperative yabo Kwemera gusangira nabandi ubuyobozi, ntiyumve ko ari we kamara (mandat)Kwicisha bugufi yubaha buri munyamuryango Kuba intangarugero mu myifatire mu byo akora nibyo avuga Kugira ubushobozi bwo gukora Gukira no kugirwa inama

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Kwirinda icyenewabo cyatuma Koperative idindira Kwihatira kwiga no kwiyungura ubumenyi Kumenya kubana nabandi banyamuryango Kumenya gukemura ibibazo byavutse hagati yabanyamuryango

XII. IBIBAZO AMAKOPERATIVE AHURA NABYO MU RWANDAIbifatiye ku myumvire :

Kudasobanukirwa neza inshingano zabanyamuryango.Gushishikazwa no kubona inyungu nyinshi za vuba vuba.Abanyamuryango badakurikirana imikorere ya Koperative yabo.

Ibifatiye ku mikorere:Imitangirire mibi ya Koperative Inzego zubuyobozi zidakora neza Abacungamutungo badashoboye Abanyamuryango batitabira imiyoborere ya Koperative zabo

Ibifatiye ku micungire:Abayobozi banyereza umutungo Abacungamutungo nabacungamari barigisa umutungo wa Koperative

Ibifatiye ku miterere yubukungu:Imari shingiro nkeya Ibikorwa remezo bikeIkibazo cyamasoko Kutabona inguzanyo mu ma banki

Ibifatiye ku mategeko nubuyobozi:Amategeko agenga amakoperative Abaterankunga bivanga mu micungire (ASBL, NGOs)

Mu rwego rwo gushakira ibi bibazo umuti uhamye, Leta yashyizeho ikigo cyihariye kigenga amakoperative gihabwa inshingano yo kunganira amakoperative mu rwego rwamahugurwa kugira ngo ibibazo bifatiye ku myumvire, ku mitangire mibi ya serivisi, ku micungire mibi yumutungo, ku kudasobanukirwa amategeko kugira ngo abanyamuryango basobanukirwe ninshingano nuburenganzira bwabo kuko aribo banze ryimikorere myiza niterambere rya koperative yabo.Itegeko rigenga amakoperative kandi riteganya inzego ninshingano zazo, nuburyo ubugenzuzi bukwiriye gukorwa kugira ngo ingeso yimikorere nimicungire mibi mu makoperative icike burundu.

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XIII. URUHARE RWA LETA MURI KOPERATIVE

Gushyigikira inshingano ya Leta mu mikorere ya Koperative yirinda kwivanga mu micungire yayo.Gushyiraho ikigo cyihariye gishinzwe iterambere ryamakoperativeGuhuza amategeko nibihe.Gushyiraho imiyoborere nimikoranire yinzego za Leta, zinogeye amakoperative, zigashyigikira ubufatanye, ubwuzuzanye, ubwumvikane hagati ya Leta, Abanyamuryango nabandi bakorana namakoperative.Kongerera ubushobozi abakozi bamakoperative.Gushyigikira ubufatanye bwamakoperative yo mu Gihugu nayo mu Mahanga.

Gushishikariza Urubyiruko, Abagore, nAbamugaye nabandi bingeri zose, kwitabira ibikorwa byAmakoperative.Gushyigikira ingamba izo ari zo zose zatuma Koperative iba umusemburo wo kurwanya ubukene.

XIV. UMWANZURO

Kugira ngo iyi gahunda Leta yihaye izabashe kugerwaho harasabwa uruhare rwa buri muturarwanda wese wiyumvisha ko gukorera hamwe tukazamura Igihugu cyacu dukorera mu makoperative ari inzira nziza yo kurimbura ubukene.

Aka gatabo kabagaragarije ku buryo budasubirwaho ishusho ya koperative u Rwanda rwifuza ko abaturage biyubakira. Nta gushidikanya ko koperative zizageza abanyamuryango ku musaruro bifuza ari uko bahinduye imyumvire yabo ku myubakire nimikorere yamakoperative.Koperative zikareka kuba inzira yo gusaba inkunga ahubwo zikaba umuryango wabantu bishyize hamwe bagamije gukora imirimo ibateza imbere.