Abadepite ‘bamwe’ ntibumva uko umukoresha azafasha Banki kwishyuza ‘Bourse’
Minisitiri w’Uburezi Dr Papias Musafiri Malimba avuga ko umukoresha adahari kugira azahanwe ahubwo ngo ni inshinga mu gufasha banki kwishyurwa
Umushinga w’itegeko umaze iminsi ibiri utorwa n’Inteko rusange, kuwa mbere tariki ya 31 Kanama – 1 Nzeri 2015, abadepite bagaragaje impungenge z’uko uzaba ari umukoresha w’umunyeshuri wagurijwe na Banki yiga, azikorezwa umuzigo wo gutanga amakuru ku bakozi barihiwe, ndetse itegeko rikaba rimuteganyiriza ibihano atabikoze, bakavuga ko abazarangiza bashobora kutazabona akazi kubera kwanga izo ngaruka.
Bidasanzwe nk’uko byagendaga mu gutora amategeko mu Nteko Nshingamategeko, abadepite bagaragaje gutsimbarara basaba ubugorora ngingo kuri buri ngingo iri muri uyu mushinga w’itegeko rigenga itangwa ry’inguzanyo na ‘bourse’ ku banyeshuri ba Kaminuza.
Ahanini abadepite basabaga ko mu ngingo runaka hahinduka inyito cyangwa hakongerwamo igitekerezo runaka, gusa nyuma y’ibisobanuro bya Komisiyo y’Uburezi n’Ikoranabuhanga na Minisitiri w’Uburezi, bakanyurwa ndetse ingingo zigatorwa.
Uburemere bw’iri tegeko ‘sensitivity’ ni bwo bwateye ko ingingo zaryo 30 zimara iminsi ibiri ziganirwaho zigatorwa, ndetse n’itegeko ubwaryo rikaba ryatowe kuri uyu wa kabiri bisabye ko abadepite bongera isaha n’igice (90minutes) ku gihe bari basanzwe barangirizaho ibiganiro byabo bya kumanywa.
Ubwo yagaragazaga impungenge zo kuba umukoresha adakwiye kwinjira mu masezerano yakozwe hagati y’umunyeshuri na banki (ikigo cy’imari), Hon Nkusi Juvenal yavuze ko umukoresha zaba ahawe umuzigo utari ngombwa.
Yagize ati “Ni byiza ko ayo mafaranga agaruka ariko, nta mpamvu yo guha umuzigo abakoresha. Aho kugira ngo umpe akazi ko kujya ntanga amakuru (declaration) ku bakozi, nahitamo gukoresha abakozi batatse inguzanyo.”
Yongeyeho ati “Turebe inyungu za buri ruhande. Ni byiza ngo dutegeke ariko se bimeze gute. Ibyo biri ku nyungu ya banki gusa, kandi inguzanyo nta by’ubusa birimo. Gushyira umukoresha mu masezerano ni ukwica ihame ry’amasezerano. Gucisha amaziamasezerano (dilue le contrat)bizatuma ibitagerwaho (uruhare rw’umukoresha), itegeko ribikora riba ribogamye.”
Depite Mporanyi we asanga ngo hari ubwo abakoresha bazabona akazi basabwa ari kenshi bagahitamo kubyihorera ntibatange amakuru uko babisabwa.
Hon Munyangeyo we yavuze ko abantu bumva ko umukoresha azaba afite akazi gatoya mu magambo, ariko ngo mu bifatika azaba agafite kuko agomba gukora ku buryo azajya ahora atanga amakuru, we akumva ko mu itegeko hashyirwamo uburyo umunyeshuri wabonye akazi azajya yishyura bikarangira aho.
Hon Nyirarukunde na we kuva n’ejo ku wa mbere tariki ya 31 Kanama, yari umwe mu batumva neza uruhare umukoresha azaba afite mu guhuza banki n’umunyeshuri, akumva ko byakorwa mu buryo banki ikurikirana uwo yagurije, yabona akazi akajya akatwa amafaranga ku mushahara.
Perezida wa Komisiyo yateguye iri tegeko, Hon Mukazibera yavuze ko amakuru ahari ari uko Leta na n’uyu munsi itarishyurwa aamafaranga asaga miliyari 80 yatanzwe nk’inguzanyo ku banyeshuri mu bihe byatambutse, kuko ngo hishyuwe miliyari 10, icyo gihe rero ngo birakenewe ko umukoresha azagira uruhare mu gutanga amakuru kugira ngo ayo mafaranga azagaruke.
Yagize ati “Umukoresha ni umwe mu Banyarwanda agomba gukora kugira ngo gahunda ziriho zigende neza. Nta muzigo arimo ahabwa, ubu ni ubushake bwa Leta y’u Rwanda bwo kurihira abanyehsuri kuko aho bidakorwa mu bindi bihugu nta cyo bibatwara, niyo mpamvu hashyizweho ubwo buryo bwo kugaruza amafaraga kugira ngo azafashe n’abandi.”
Itegeko rivuga ko umukoresha azajya atanga amakuru ku mukozi nyuma y’iminsi irindwi, n’umunyeshuri agafata ikindi gihe nk’icyo amenyesha banki ko yabonye akazi.
Ku ruhande rwa Komisiyo yize iri tegeko, ngo umukoresha arakenewe kuko azafasha umukozi mu ntege nke yagira zo kutamenyesha banki ko yabonye akazi, bitewe n’uko ahanini abantu barangiza bakennye bafite ibibazo byinshi byo gukemura.
Akurikije ibyo bisobanuro bya Komisiyo, Hon Theodomir yavuze ko abantu batarimo batekereza mu buryo bushya, ngo baracyari mu buryo SFAR (ikigega cyatangaga bourse) yakoragamo.
Ati “Bikweye ko umushahara w’umukozi wajya unyura kuri konti ye muri banki yamugurije ariko banki yabanje kubyumvikana n’umukoresha we, bakajya bamukata.”
Itegeko riteganyiriza ibihano bya 10% ku mukoresha uzaba atatanze amakuru ku mukozi we, ndetse na 20% igihe azaba atamukase amafaranga cyangwa akayakoresha ibindi bintu bitari ukuyishyura.
Minisitiri w’Uburezi Dr Papias Musafiri Malimba yatangarije abanyamakuru ko yishimiye ko iri tegeko abadepite baritoye, akaba yasobanuye ko ku bijyanye n’uruhare rw’umukoresha hadakwiye kumvikana ko azahanwa gusa, ahubwo ngo bikwiye kumvikana nk’inshingano.
Ati “Mu buryo bwo kugira itegeko rikemure ibibazo byariho byo gutanga amafaranga ntagaruke, ni uburyo bwo guha inshingano umukoresha kugira ngo ayo mafaranga azagaruke afashe abandi.”
Minisitiri Malimba yavuze ko ubushize inguzanyo yahawe abanyeshuri 5 900, ubu uyu mwaka ngo abazayibona bagera ku 12 000, kandi ngo uko amafaranga azagenda yishyurwa bizatuma ababona inguzanyo baba benshi.
Ubu buryo bushya bwo guhabwa inguzanyo binyuze muri banki bizatangirana n’uyu mwaka w’amashuri uzatangira mu cyumweru cya kabiri cya Nzeri nk’uko byasobanuwe na Minisitiri. Leta yamaze gushyira miliyari 29 muri Banki itsura amajyambere BRD ari na yo yahawe izi nshingano zo gutanga inguzanyo.
HATANGIMANA Ange Eric
UM– USEKE.RW
English
11 Comments
Ariko rero aha ntagikomeye kirimo na gato, abantu bose bize cg biga bagurizwa urutonde rwabo rukwiye kujya rukorwa buri mwaka cg igihe runaka rukanagaragaza umwenda bafite cg basigaranye. abakoresha bose aho bava bakagera bagahwa access kuru uru rutonde kugirango babashe kumenya niba umukozi wabo ntakibazo afitanye na Leta kubijyanye no kugurizwa yiga.
Ahubwo ikigoye ni ugushyiraho uburyo (System) yo gukora aka kazi. kuko system ubwayo izajya igaragaza ko wishyuye inagaragaze umwenda usigaranye.
Abakoresha rero kwishyuriza bank ntibigoye igihe cyose bafite urutonde rw’abishyuzwa nayo bishyuzwa. ahubwo system nicyo kibazo gikomeye.
Murakoze
Ubwo njyewe ntabwo nzongera gukoresha umuntu urimo umwenda leta?Ibi bintu ni macuri kimwe nibindi dusanzwe tubona.inshingano za leta yagombye gukora izegeka kubandi.Umukoresha agiye kujya noneho anakora iperereza mbere yo gutanga akazi koko?
Ni gute ufite amanota make abona inguzanyo uwamenshi ntayibone barize bimwe ? kuki bataguha ishami mu yo watoye rihuje n ‘amanota ufite? ibidakenewe ku isoko ry’umurimo ni babikure mu burezi ababyiga bareke guta igihe.
Inguzanyo Zihabwa Abamanota Make Kdi Hari Abamenshi.
Sinumva ukuntu Inteko y’ Abadepite yashyiraho itegeko ryo guhatira umukoresha kuzajya akorera akazi ko kwishyuriza BRD kandi uwo mukoresha nta nyungu afite muli ayo masezerano yabaye hagati ya Banki n’ umunyeshuli !!!!! Icyo nicyo bita “fuite de responsabilite” Leta y’ U Rwanda izaba yikuyeho ikayegeka k’ umukoresha !!!!!!!!!! Kuki se iyo Leta ( cg se iyo BRD izaba yitwa ko ariyo yagurije amafaranga) itashyiraho iyo systeme de recouvrement y’ ayo mafranga izaba yagurije aho kubyegeka ku Bakoresha !!!! None se ubusanzwe Babki zoze ntizifite izo za services de recouvrement nkuko zibikora ku yindi myenda ziguriza abantu ku giti cyabo cg se amasosiyeti ??????? Ririya tegeko Abadepite bashyizeho mbona ntaho ritaniye n’ igitugu cya Leta mu gihe rihatira umukoresha gukora akazi katamureba kandi atanahemberwa ndetse rikagerekaho n’ ibihano byo kwishyura 10 %.
Dore ingaruka mbi z’ iri tegeko :
1. Nta bantu bikorera ku giti cyabo cg se ama companies azongera guha akazi abazaba barangije ayo mashuli bafite imyenda y’ amafranga bagujije, kuko azaba ari ukwishyiraho stress y’ ubusa yo gukurikirana imibereho privee y’ umukozi ishaka guha akazi.
2. Ese ubundi ko abenshi barangiza amashuli batabona akazi kandi bazajya bazajya barangiza bafite nk’ umwenda ujya kuba hafi cg se uruta 1 Million de FRW, aho izo nguzanyo n’ ubundi zizajya zishyurwa ?????? Simbihamya peee! Ahubwo kubera n’ inyungu zizaba ziyongera kandi nta n’ akazi, bazahitamo kujya kuakorera mu bindi bihugu ndetse no kutagaruka birimo !!!!!
Ibitekerezo by’abadepite ni urucantege. Wagirango ntabwo bize. njyewe umudepite uvugako aho kugirango agaragaze ugomba kwishyura , yafata utarabonye inguzanyo , uyu yakabaye atari mu nteko ihagariye abanyarwanda. Ntacyo amaze.
We wagirango ntiwumva???, ubwo se wowe uri umukoresha uharanirra inyungu wajya gukoresha umuntu uriho risks za penalties kandi hari utazifite kandi bose bazi akazi? kereka uri ONG, ikindi kandi Bank yatanze inguzanyo ifite inyungu ya 11% hari na make izaha umukoresha?? kuki se umukoresha azakora akazi gafitiye inyungu Bank kandi atazabihemberwa?? ibyo bikorwa na ONG na Leta ntago a profit oriented organization itanga services Z’ubuntu?
Ese kuki ibyo bihano batabishyira k’uwatse inguzanyo ugomba kwishyura bakabishyira ‘umukoresha?
Uwagujije ari nawe ikibazo kireba nta gihano yagenewe nyamara umukoresha we ngo azahanwa!
Uwatse inguzanyo yakagombye kumva ko ari umuzigo we igihe atarishyura
Njye ndumva bidasobanutse
Ge ndumva atavuze ko we yaha akazi udafite umwenda ahubwo yavuze uko abakoresha bamwe batekereza kudaha akazi abo bafite umwenda wivuga rero ko bameze nk’abatize gusa mbona bashyiraho n’uburyo bwo korohereza abo banyeshuri barangije kubona akazi kugirango ayo mafaranga agaruke ibyerekeye amasomo adakenewe ku isoko ry’umurimo nayo agakurwaho abantu ntibate igihe bayiga
njye mbona abadepite bafata umwanya munini kubintu bidafite akamaro,babanze barebe byibuze abazabona akazi bige nukuntu babongera kuko ibyo bavuga ntago bizacamo 100%
Birumvikana ko umukoresha ari we watanga amakuru neza kandi byoroshye ariko kandi ntago byumvvikana ko yakora akazi k’ubuntu agakorera uri kurya inyungu yigaramiye. Bank izabona 11% ya interest kubw’akazi ko kuguriza ariko nayo niyemere itangeho kugirango ishyireho uburyo bwo kuyagaruza soit ishinge Department n’abatechnicien babikurikirana, cg se itange Pourcentage runaka umukoresha ayikorere ako kazi kuko ntago waba uri profit oriented organization ngo itange services z’ubbuntu iziha iri kunguka
Comments are closed.