Sobanukirwa imbogamizi zikigaragara mu mikorere ya Umurenge SACCO

Bimwe mu bibazo byugarije Umurenge Sacco harimo kuba ikoranabuhanga ritaragera hose, imicungire itanoze, inyungu nini itangwa ku nguzanyo, imyenda itishyurwa neza n’ibindi bibangamira imitangire ya serivisi.

Kuba SACCO zose zitarabasha gukoresha ikoranabuhanga mu buryo bwuzuye bituma abanyamuryango batabonera serivisi aho ari ho hose, kuko ahenshi mu Turere Sacco zitarahuzwa ku rwego rw’Akarere.

Imwe mu Mirenge SACCO ikoresha ikoranabuhanga ariko rikigaragaramo bimwe mu bibazo by’aho ritaragezwa mu rwego rwo kubika no kubikuza hifashishijwe uburyo bugezweho bwifashishwa telefone, kuba bitaranozwa bituma  abanyamuryango batabasha kubitsa mu buryo bworoshye no mu yindi Mirenge SACCO.

Hari sisitemu y’ikoranabuhanga ya SACCO itarahuzwa na sisitemu ya ‘electronic warehouse’ kandi ari yo SACCO zikwiye kuba zikoresha mu gukora za raporo zitangwa kuri Banki Nkuru y’u Rwanda na Minisiteri y’imari n’Igenamigambi.

Hari naho ikoranabuhanga ritarashobora gukora mu birebana n’ubusaze bw’’ibikoresho no gukata amafaranga yo gucunga konti y’umunyamuryango no guhuza amakuru y’ibyakorewe kuri konti mu buryo bworoshye, byikora.

Ikoranabuhanga  hari aho ryari ritarabasha guhuza inguzanyo n’ingwate zatanzwe kuko iyo umunyamuryango arangije kwishyura neza inguzanyo, ingwate yatanze idahita yandukurwa.

Ikoranabuhanga kandi ntirigaragaza uko ubwishyu bw’inguzanyo bujyanishwa n’igihe, ibyo bikagira ingaruka ku mibare itangazwa na sisitemu kuko ishobora kugaragaza ko uwishyuye atarishyura bikanagira ingaruka ku ijanisha ry’inguzanyo zitishyurwa neza.

Minisitiri w’Imari n’Igenamigambi Yusuf Murangwa yagiye agaragaza ibisubizo kuri ibyo bibazo bitandukanye, n’ingamba zihari mu kubikemura.

Ku bijyanye n’ikoranabuhanga hatangiye gahunda yo kuzihuza ku rwego rw’Akarere, ku buryo ubu hamaze guhuzwa Uturere 7, ni gahunda ikomeje, uko zigenda zihuzwa sisitemu zizafasha gukemura ibibazo.

Hari imwe mu Mirenge SACCO ifite igipimo cy’imyenda itishyurwa neza kiri hejuru ugereranyije n’igipimo cya 5% giteganywa na Banki Nkuru y’u Rwanda.

Aho iki kibazo cyagaragaye SACCO zikoreshwa inama zikagaragaza ingamba zo kwishyuza iyo myenda. Iyo bigaragaye ko ikibazo gishingiye ku mikorere hafatwa ingamba zo guhindura ubuyobozi n’abakozi.

Inyungu ku nguzanyo zitangwa na Umurenge SACCO ingana na 24% iri hejuru cyane ugereranyije n’inyungu zisabwa muri banki z’ubucuruzi, bigatuma abaturage batitabira gusaba uinguzanyo mui SACCO ahubwo bagahitamo kuzifata mu bimina kuko ho inyungu iba ari nto.

Ingwate ku nguzanyo zitarengeje miliyoni 1 zitandilkishwa muri RDB kugira ngo  mu gihe bibaye ngombwa zibe zashyirwaho itambamira, bikaba byatuma uwatanze ingwate yagurishwa  cyangwa akayitanga mu kindi kigo cy’imari Sacco  yatanze inguzanyo ntibashe kubimenya.

Kuba ikiguzi cyo kwandikisha ingwate muri RDB kiri hejuru ku bashaka inguzanyo iciriritse itangirwa ingwate, ikiguzi gikubiyemo amafaranga yo kugena agaciro k’ingwate, kwandikisha ingwate, ubwizigame bw’ingwate aya komisiyo, yose akaba ashobora no kurenga 100 000Frw.

SACCO zidatanga inguzanyo ku bafite imishinga minini kubera ko hari amabwiriza ya Banki Nkuru  yagenewe inguzanyo ntarengwa itangwa na SACCO, bigatuma abakeneye inguzanyo nini bahitamo kugana banki z’ubucuruzi.

Gahunda zihari zatuma igiciro kimanuka hari ugukangurira abantu umuco wo kuzigama, zizafasha kugira ngo ikiguzi cy’inguzanyo mu bigo by’imari na SACCO kigende kigabanyuka.

Ikibazo cy’uko abakozi ba SACCO badahabwa amahugurwa ahagije ku ikoreshwa ry’ikoranabuhanga no mu gihe baba bibeshye mu kwinjiza amakuru muri sisitemu bikamenyeshwa ubafasha ku rwego rwa Minisiteri, hakabaho ubukererwe mu gutanga ubwo  bufasha, umunsi ukaba ushobora kurangira hari amakosa yakozwe adakosowe, bityo bikadindiza serivisi zitangwa na Sacco.

Zimwe muri SACCO zidafite ubushobozi buhagije bwo guhemba abazicungira umutekano.

Mu mpera za 2024, Banki Nkuru y’u Rwanda (BNR) yasabye abayobozi ba Koperative zo kubitsa no kugurizanya zizwi nk’Umurenge SACCO (USACCO) kwitwararika ku bikorwa birimo kongeza imishahara y’abakozi, gutanga agahimbazamusyi cyangwa gushyira mu myanya abakozi batari basanzwe bahari kugeza igihe zizaba zimaze guhurizwa ku rwego rw’Akarere.