‘Cooperative Bank’ umushinga wo kunoza imikorere ya za SACCO

*Cooperative Bank izahuza Umurenge SACCO na Banki Nkuru

*Ubu ufite konti muri SACCO ntiyakwishyura byihuse umwenda uri mu yindi banki, icyo gihe bizashoboka

*Iyi banki izajya ishakisha amafaranga yo kuguriza za SACCO

Minisitiri w’Ubucuruzi n’Inganda yasangije abadepite imiterere ya Banki nshya itekerezwa ‘Cooperative Bank’, iyi izaba ishinzwe kugenzura Imirenge SACCO, ni yo izaba ari umukiliya wa mbere wayo, Minisitiri Kanimba avuga ko nijyaho izafasha Umurenge SACCO gutanga serivisi zisa neza nk’iz’andi mabanki.

Abadepite bagize Komisiyo y’Ubucuruzi n’Inganda bari batumije Minisitiri w’Ubucucuzi n’Inganda, Francois Kanimba ku wa kane tariki 10 Nzeri ngo abasobanurire ku bibazo byagaragaye mu Mirenge SACCO 90 basaye n’ingamba zo kubikemura.

Abadepite bagaragaje ko bafite ubumenyi buke ku bijyanye n’umushinga wo gukora Banki imwe izahuriza hamwe imirenge SACCO kuko ngo byigeze kuvugwa birongera biraceceka.

Francois Kanimba avuga ko igitekerezo cya Cooperative Bank cyaturutse mu nama y’Umushyikirano ndetse kinemezwa mu mwiherero w’Abayobozi bakuru b’igihugu, ariko ngo ni umushinga uriho utoroshye ugomba kwitonderwa.

Kanimba avuga ko uyu mushinga ukuriwe na Minisitiri w’Imari n’Igenamigambi, Amb Claver Gatete. Ubu, inzobere zo mu kigo cy’Imari cyo mu gihugu cy’U Bugade (Saving Banks) nizo ziri kunononsora uko iyi banki iramutse ibayeho mu Rwanda yakora.

Inzobere zo muri iki kigo ni nazo zifasha mu kubaka ubumenyi bwo gucunga neza amakoperative mu kigo kiri i Kigali cya Kabusunzu.

Cooperative Bank yatekerejwe nka banki y’ubucuruzi ariko ishinzwe kuzamura SACCO

Kanimba yagize ati “Turashaka ko serivisi zitangwa na SACCO ntaho zizaba zitaniye n’iza banki z’ubucuruzi tubona. Ubu za SACCO ntabwo zirafasha Abanyarwanda (abakora ubucuruzi) kwishyurana hagati yazo (umwe abitsa muri SACCO y’ibunaka itandukanye n’iy’uwo baguze) cyangwa na banki (umwe abitsa muri SACCO undi abitsa muri banki isanzwe).”

Ibyo byo kwishyurana ngo ntibishobora kubaho mu gihe SACCO zitari muri ‘System ya Banki Nkuru y’igihugu (Clearing System).

Kanimba yongeraho ati “Iyo banki tuzakora izaba ari banki nini imeze nk’iy’ubucuruzi, izajya ifasha SACCOs kwishyurana. Ibyo bizaba ari ibintu bikomeye kuba umuntu ufite amafaranga muri SACCO yakorana ubucuruzi n’undi muntu uri mu yindi banki.”

Akandi kamaro k’iyi banki ikiri mu bitekerezo, ni ako gufasha Banki Nkuru y’igihugu mu kugenzura no guhuriza hamwe Imirenge SACCO igera kuri 416 mu gihugu kuko ngo kuyigenzura byari bikomeye.

Ni banki izajya ifasha SACCO gukemura ubuke bw’amafaranga

Minisitiri Kanimba avuga ko Cooperative Bank izajya ifasha SACCO kubona amafaranga kuko ubu ngo bitewe n’umubare munini w’abanyamuryango hari ubwo amafaranga y’inguzanyo aba make.

Yagize ati “Biba ikibazo ku bigo by’imari iciriritse iyo bibuze ubushobozi ababirimo bakize bakabivamo, byabisenya. Cooperative Bank izajya ifasha abakora ubucuruzi mpuzamahanga.

Minisitiri Kanimba asobanura ko Imirenge SACCO izaba ifite umugabane shingiro munini ungana na 60% naho abashoramari (Strategic Investors) bakagira 40%.

Iyi banki ngo izatangirana ingufu kugira ngo itazahomba, ariko ku bwa Kanimba ngo nta mpungenge kubera ko Imirenge SACCO imaze guhama “kugira ibanze” mu bucuruzi.

Ati “Icyo gihe SACCO ntizizaba zifite uburenganzira bwo kubitsa aho zibonye kuko 60% y’amafaranga yazo azajya ajya muri Cooperative Bank, andi 40 % ziyajyane aho zishaka mu rwego rwo kwanga ‘monopole’.”

Cooperative Bank, isobanurwa nk’izaba ifite icyicaro ku rwego rw’Intara, ariko ikazajya iba ifite ishami muri buri karere kugira ngo irusheho kwegera SACCO.

Iyi banki ifite igihe ntarengwa cy’imyaka ibiri iri imbere nk’uko byasobanuwe na Minisitiri w’Inganda n’Ubucuruzi.

Izindi nzira zitekerezwa kugira ngo SACCO zirusheho gucungwa neza

Francois Kanimba avuga nubwo byose bikiri mu bitekerezo, umushinga wa Cooperative Bank ngo nudacamo, haratekerezwa ko hazashyirwaho SACCO imwe yo ku rwego rw’Akarere ikazayobora izindi, gusa ngo ibi byasaba ko itegeko rigenga SACCO rihinduka.

Ikindi cyakorwa ngo ni uko habaho guhuza Imirenge SACCO imwe n’imwe nk’uko byagenze kuri Banki z’Abaturage.

Kanimba agira ati “Ibyo byose nta mwanzuro urafatwa haba ku rwego rwa Leta no kuri SACCO ubwazo ngo zitange ‘go ahead’ (zivuge ko zibyemeye).”

HATANGIMANA Ange Eric
UM– USEKE.RW