Imirenge SACCO imaze kwibwa miliyoni 600 Rwf
Kuri uyu wa kane ubwo Minisitiri w’Ubucuruzi n’Inganda yitabaga Komisiyo y’Ubucuruzi n’Inganda mu Nteko Nshingamategeko y’u Rwanda, umutwe w’abadepite, yavuze ko mu bibazo bikomereye Cooperative Imirenge SACCO zagize harimo imikorere ya kera yatumye zibwa amafaranga agera kuri miliyoni 600 harimo miliyoni 400 yibiwe ku mafishi, mu gihe cy’imyaka itandatu ishize.
Minisitiri Francois Kanimba yagomba gutanga ibisubizo ku bibazo abadepite bagize iyi komisiyo babonye mu mirenge SACCOs 90 basuye hagati ya tariki 20 Gicurasi 2015 na tariki ya 11 Kamena 2015.
Muri bimwe mu bibazo byagaragajwe n’abadepite harimo kuba Imirenge SACCOs ikoresha uburyo gakondo (kwandika ku mafishi/fiches) bigatuma ibi bigo byari byashyiriweho abaturage bo hasi ngo bige kubitsa no kwiguriza byibwa amafaranga ku buryo bworoshye.
Mu bindi bibazo byabonywe n’abadepite aho basuye, ni ukuba umubare w’abagore n’urubyiruko bitabiriye za SACCOs ari muto cyane. Hagaragajwe n’ikibazo cy’amafaranga yatanzwe na Leta mu byitwaga CAPEC, ariko ubu Imirenge SAACOs ikaba ishyirwa ku gitutu ngo iyishyure MIGEPROF yari yayatanze.
Minisitiri Kanimba ubwo yavugaga ku kibazo cy’ubujura bwakozwe mu mirenge SACCOs yavuze ko hari imbogamizi z’uko Imirenge SACCO ari myinshi cyane, (416) bituma Banki Nkuru itabasha kuyigenzura 100%, ikindi ngo imikorere itarimo ikoranabuhanga ituma hatabaho igenzura rya buri munsi.
Kanimba ati “Amafaranga yanyerejwe ni menshi mu buryo bwinshi, ariko amenshi yibiwe mu mpapuro miliyoni 500 kuri miliyoni 600 zirenga.”
Kanimba yavuze umuti w’iki kibazo ari uguhindura imikorere no gushyiraho uburyo bw’igenzura imbere muri banki, ngo kuko hari abenshi bumva ko bazatwara amafaranga bagatinda gufatwa bitewe n’uko igenzura rizakorwa bitinze.
Yagize ati “Mu kigo cy’imari iyo hataraye hakozwe igenzura ngo hamenyekane ubujura bwakozwe kiba ari ikibazo. Gusa hari n’ubwo ugenzura imibare igahura, umujura ntamenyekane.”
Ku kibazo cy’amafaranga yatanzwe na Leta muri CAPEC, nyuma yo guhuzwa n’Imirenge SACCO ubu iyi mirenge SACCO ikaba ishyirwa ku gitutu cyo kwishyura umwenda itafashe kuko ngo amafaranga yariwe n’abantu bumva ko ari aya Leta.
Kanimba yavuze ko mbere yo guhuza ibi bigo habanje ubwumvikane no gukora igenzura(Audit), ubu ngo harimo gukorwa ibishoboka ngo abantu bariye ayo mafaranga bayishyure ntibizage ku mutwe w’Imirenge SACCO nubwo abadepite ukuri babonye kunyuranye n’ibyo.
Damien Mugabo umuyobozi w’Ikigo cy’Igihugu gishinzwe Amakoperative, na we wari witabye Komisiyo, yatanze imibare y’uko SACCO zateye imbere ariko anagaruka ku kibazo cy’ubujura buvugamo kuva mu 2009 zitangira gukora kugera mu kwezi kwa Nyakanga 2015.
Mugabo Damien yavuze ko amafaranga SACCO zagurije abantu agera kuri miliyari 121 mu myaka ine cyangwa itanu ishize, muri aya mafaranga ngo miliyari 90 yamaze kwishyurwa, ibi ngo bitanga ikizere ko za SACCO hari impinduka zagize mu gihugu.
Mugabo yavuze ko mu mwaka wa 2011 amafaranga abaturage bashyiraga muri SACCO ari miliyari 20, ariko mu igenzura ryakozwa tariki ya 31 Nyakanga 2015, amafaranga ashyirwa muri za SACCO yari ageze kuri miliyari 60.
Ubwo yatangaga imibare y’uko amafaranga yagiye yibwa mu Mirenge SACCO, Damien Mugabo yavuze ko muri miliyoni 600 zibwe mu myaka itandatu ishize, miliyoni 400 zibiwe mu mafishi.
Yavuze ko miliyoni 38 gusa arizo zimaze kugaruzwa, andi mafaranga ngo ibibazo byayo biri mu nkiko. Amafaranga yibwa za SACCO habayeho ubujura bwo kumena inzu ngo ni miliyoni 30 z’amanyarwanda.
Ibisobanuro bya Minisitiri byarangiye adasubije ibibazo byose yabajijwe n’abadepite, kuko yari afite indi nama, ariko abadepite bumvikanye ko abo bayobozi bazagaruka undi munsi bagasubiza ibyo bibazo byagiye bigaragara muri za SACCO mu gihugu.
HATANGIMANA Ange Eric
UM– USEKE.RW
3 Comments
Ikosa mbona rikomeye cyane muri SACCO ni uko arizo zihitiramo abakora igenzura. Kuko niba abakozi n’abayobozi ba SACCO aribo bakora imirimo y’izo SACCO hagera igihe cy’igenzura abo bakozi bakaba aribo bashyiraho no none abazagenzura, icyo gihe bakora uko bashoboye kose ngo bumvikane n’abo bagenzuzi bishyiriyeho. Icyo gihe nta bwisanzure (Independence) iryo genzura riba rifite. Icyo BNR yatangiye gukora ni uko yashyiraho abagenzuzi nkuko yagiye ibaha ibyangombwa byo gukora uwo murimo; noneho akaba ariyo ibagabanya za SACCO, bakorera igenzura hanyuma bakayiha raporo. Igihe barikoze nabi bakariryozwa nkuko n’ahandi bigenda. Kuko niba ari professionals kandi inyerezwa rikaba rikorerwa ku mafishi, baramutse batabibonye byaba ari ikibazo cy’abo bagenzuzi baba bakwiriye guhagarikwa. SACCO zifiteye akamaro igihugu nizitabweho.
Ikibazo ni uko Abayobozi bumva ibintu byose bikorwa na SACCOs kimwe n’andi makoperative ari akarima kabo bagashyiramo abo bashaka ariko jye numva baramutse bagize internal Auditor uri professional atari za commite ziahyirwaho n’abanyamuryango byagenda neza n’ubwo rwose cooperative ari iyabo ariko ni uburyo bwo kubafasha muri gestion y’umutungo wabo. Aha usanga RCA iha umwanya munini za comite kurusha abakozi babibamo kd aribo baba bashobora gukora ubwo bujura bwose jye numva ko RCA , BNR,na MINICOM bakwiye kugira uruhare rukomeye mu micungire y’umutungo wa SACCO kimwe n’andi ma koperative gusa strategic plan igakorwa neza.
Mugire amahoro
Ndasaba ko uko bashyiraho agent de credit na Manager bakongeramo umugenzuzi wo gufasha za commite ngenzuzi baba bashyizeho akanabahugura igihe bibaye ngombwa kuko interna audit nayo independent kd akajya atanga report kuri RCA na BNR buri kwezi nabo abagenzuzi babo bakaba bamufasha igihe bibaye ngombwa. Ikindi Manager yatanga report ye undi nawe akaragaza uko bimeze k’urwego rwe amakosa abona n’ibikwiye kunozwa byagira akamaro
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