Rwanda: Amashami ya Muganga SACCO agendanwa kuri telefoni

Abanyamuryango ba Koperative yo Kubitsa no kugurizanya yashinzwe n’abakora mu rwego rw’Ubuzima mu Rwanda (Muganga SACCO) bamenyeshejwe ko iyo Kopertive itazigera igeza amashami atandukanye mu Gihugu, ahubwo hakomeje kwifashishwa ikoranabuhanga mu gufasha abanyamuryango kubona serivisi zihuse kandi zinoze.

Byagarutsweho kuri uyu wa Kane taliki ya 24 Ugushyingo mu Nama y’Inteko Rusange isanzwe y’abanyamuryango, yibanze ku gusobanura intambwe imaze guterwa kuva icyari ikimina gihinduka Muganga SACCO mu mwaka ushize.

Uwambayingabire Claudine, Umuyobozi Mukuru wa Muganga SACCO, yavuze ko Ishami rimwe ry’icyo kigo cy’imari riherereye ku cyicaro gikuru giherereye ahitwa SONATUBES mu Karere ka Kicukiro, aho abanyamuryango bose bashobora kugana igihe cyose babishaka bari muri Kigali.

Yagize 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 3 z’amafaranga y’u Rwanda, kandi abanyamuryango bacu bose ntawutonda ku ishami agiye gusaba inguzanyo; bose bazisaba bifashishije ikoranabuhanga.”

Yavuze 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.

Yavuze 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.

Ikindi ni uko 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, kugira ngo utabashije gukoresha telefoni ahite abona serivisi anyuze ku mu agent ukorera ku ivuriro akoreraho.

Ati: “Nta mpungenge dufite, abanyamuryango bose bazabona serivisi kandi ikindi twiteguye yuko ikintu cyose kiri mu gihugu twiteguye kugikoresha kugira ngo abanyamuryango bishime, kandi turi no muri gahunda ya Leta yo kugabanya amafaranga anyuzwa mu ntoki z’abantu.”

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.

Mukamfizi Therezia, Umuyobozi Mukuru w’Ikigo Nderabuzima cya Muhima mu Karere ka Nyarugenge, yagize 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.

Niyongere Janvier, Umubyaza ukorera  mu Bitaro by’Akarere ka Nyarugenge mu Mujyi wa Kigali, yavuze ko bishimira kuba icyari ikimina mu 2017, guhera mu mwaka ushize cyahindutse Ikigo cy’Imari gifite ubuzima gatozi kizabafasha 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 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.

Umuyobozi wa Muganga SACCO yagize ati: “Dukeneye ko abanyamuryango bacu biteza imbere, ntabwo dukeneye ko babona inguzanyo ubuzima bukabagora cyangwa bukaba bubi. Ni yo mpamvu dushyize imbaraga cyane ku nguzanyo z’imishinga kuko abaganga mu kazi bakora bagira iminsi yo kwisubiza baba batari mu nshingano, Twifuza ko iyo minsi yaba iminsi yo kugira ngo bajye kureba ubucuruzi bwabo, bakore imishinga ibabyarira ingunyu zunganira imishahara babona.”

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.

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.

Minisiteri y’Ubuzima ivuga ko iyi SACCO yashyizweho nyuma y’inama za Guverinoam y’u Rwanda kugira ngo abakora mu rwego rw’ubuzima babashe kubona serivisi zibafasha kurushaho kwiteza imbere bakazibona ku buryo bworoshye.