Umurenge SACCO,Koperative y’abaturage ariko ibaka inyungu ya 16% ku nguzanyo!

Koperative Umurenge SACCO ihirya no hino mu mirenge zikoresha imari shingiro y’abaturage bagiye bateratenya bakazishinga, ndetse bakiyubakira ibikorwaremezo zizakenera, ariko kugeza n’ubu inguzanyo nubwo yamanutse ikava kuri 24%, abaturage hirya no hino baracyinubira inyungu iri hejuru bakwa na Koperative yabo.

Mu mwaka wa 2015, Raporo ya Banki Nkuru y’Igihugu BNR izwi nka “Monetary Policy” yagaragaje ko umutungo bwite w’ibigo by’imari bito n’ibiciriritse urenga Miliyari 159.3 z’amafaranga y’u Rwanda, muri aya SACCO zifitemo 48.3%.

Ikavuga ko Imirenge SACCO ari bimwe mu bigo byitwara neza, dore ko SACCO 379(91.1%) kuri 416 zungutse cyane. Mu Ukuboza 2015, Imirenge SACCO yari ibitse amafaranga y’abaturage Miliyari 66.5%; Ndetse yaratanze inguzanyo z’amafaranga Miliyari 32.3, zirimo izagurijwe imishinga yo mu rwego rw’ubuhinzi 29.7%.

Nubwo SACCO zunguka cyane, abaturage binubira imikorere yazo, ubujura buzivugwamo, inyungu iri hejuru zaka ku nguzanyo n’igihe gito cyo kuzishyura bahabwa, n’ibindi.

Soma inkuru: Ngoma,Abakiliya b’Umurenge SACCO ntibishimira 20% bakatwa ku nguzanyo

Inyungu ku nguzanyo muri SACCO zenda kungana n’izo muri Banki z’Ubucuruzi

Itegeko rigenga inguzanyo mu Umurenge SACCO ryashyizweho na Banki Nkuru y’Igihugu BNR mu Ukwakira 2014, rivuga ko inyuzanyo z’iyi Koperative zitagomba kurenga 2.5% ku kwezi.

Bitewe n’ubwizigame n’ubushobozi bwa za Koperative Umurenge SACCO, ngo zasabwe kandi gutanga inyuzanyo itarenza imyaka ibiri, kandi umushinga umwe ukaba utagomba 5% y’umutungo bwite, kereka mu gihe inama rusange ya SACCO ifashe umwanzuro wo kurengaho bitewe n’ubushobozi bwo kwishyura bw’abaturage bayirimo.

Inguzanyo kandi muri uyu Murenge SACCO ngo zitangwa bitewe n’uko abazihawe mbere barimo kwishyura iyo bishyura nabi, ayatanzwe ataragaruka bashobora kuba bahagaritse gutanga inguzanyo.

Nzeyimana Felicien, umuyobozi wa Ijabo Remera SACCO yo mu Murenge wa Remera, Akarere ka Gasabo mbere y’uko hajyaho aya mabwiriza ubundi buri SACCO yari ifite uko itanga inguzanyo kwayo yishakiye.

Mbere y’uko itegeko rigenga inguzanyo muri SACCO rijyaho, inyinshi ngo zakaga inyungu ya 2% ahoraho (adahinduka nk’uko biri ubu) nk’uko Nzeyimana Felicien abivuga.

Ni ukuvuga ko uwahawe inguzanyo y’ibihumbi 10 umwaka wo kwishyura warangiraga atanze inyungu y’amafaranga 2,400, angana na 24%.

Amategeko agenga inguzanyo mu Umurenge SACCO, ateganya ko izi Koperative zitanga inguzanyo zisanzwe ku nyungu itarengeje 2.5% ku kwezi kandi igenda igabanuka.

Ahenshi mu Mujyi wa Kigali, nko kuri “Ijabo Remera SACCO” twasuye batanga inguzanyo ku nyungu ya 2.5%.

Aha ni ukuga ko niba baguhaye inyuzanyo y’amafaranga ibihumbi icumi (10,000 frw), ugomba kuyishyura mu mezi 12 y’umwaka; Ukwezi kwa mbere uzishyura amafaranga 833.3 wongeyeho 250 y’inyungu, aya angana na 2.5% by’ibihumbi 10.

Amezi akurikiyeho ugenda wishyura inyungu ya 2.5% y’ayo usigayemo, umwaka ukazarangira bya bihumbi 10 ibyishyuye n’inyungu y’amafaranga 1,625 angana na 16.25%, inyungu ijya kungana n’iya Banki z’Ubucuruzi.

Mu bice by’icyaro nk’i Rwamagana, Muhanga na Ngoma twabajije, Imirenge SACCO itanga inguzanyo ku nyungu ya 2% ku kwezi ihinduka, ari nayo ntoya SACCO nyinshi zikoresha.

Uhawe inyuzanyo y’ibihumbi 10 ku nyungu ya 2% ahinduka, umwaka wajya kurangira bya bihumbi 10 ubitanzeho inyungu y’amafaranga 1300.0, angana na 13%.

Ku nyuzanyo zihuse zitarenza amezi atatu akenshi zihabwa abacuruzi n’ibigo zizwi nka “Découvert”, uzikeneye ngo yumvikana na SACCO agiye kuyakamo, mu Mujyi wa Kigali inyungu kuri ubu bwoko bw’inguzanyo ngo ishobora no kugera ku 8%.

Nzeyimana Felicien, umuyobozi wa Ijabo Remera SACCO yemera ko izi nguzanyo zihenze, kubera ko ari inguzanyo z’igihe gito.

Ati “Inguzanyo z’igihe gito zirahenda. Politike iravuga ngo nta nguzanyo yo ku rwego rwa SACCO igomba kurenza imyaka ibiri kugira ngo agaruke vuba vuba, inguzanyo ya vuba vuba usanga n’inyungu ari nyinshi, mbere hari n’izatangaga imyaka ine.”

Nzeyimana avuga ko igisoboka kugira ngo iyi nyungu igabanuke, ngo ni uko igihe cyo kwishyura cyakongerwa bikorohereza abantu kwishyura ariko nabyo ngo si ibintu byikora kuko bijyana n’amafaranga SACCO ibitse.

Ku rundi ruhande ariko, akavuga ko abakoresha SACCO bashonje bahishiwe kuko ubu Guverinoma yatangiye gahunda yo guhuza za SACCO zose zo mu gihugu, kugira ngo zirusheho kunganirana.

Uyu mwaka wa 2016, ngo ugomba kurangira SACCO zose zikoresha ikoranabuhanga, umwaka utaha bahuze SACCO z’Uturere, hanyuma hazakurikireho guhuza SACCO zose zo mu gihugu mu kitwa ‘Rwanda Cooperative Bank’.

Soma inkuru: ‘Cooperative Bank’ umushinga wo kunoza imikorere ya za SACCO

Nzeyimana avuga ko nubwo hari ibyo abagana SACCO batishimira, ngo za SACCO zafashije abaturage cyane kuko zabegereje Serivise z’imari, ku buryo ufite umushinga abona inguzanyo bimworoheye kuko hari abenshi batinyaga kujya kwaka inguzanyo muri Banki z’Ubucuruzi kubera ko bigoye.

Abanyamuryango-shingiro batanze amafaranga za ‘Koperative Umurenge SACCO’ zitandira bavuganye n’abanyamakuru bacu bo mu Ntara, bavuga ko kugeza ubu nta nyungu barabona y’amafaranga batanze, ariko ngo bizeye ko hari igihe kizagera bagatangira kuyibona.

Kuri izi mpungenge, Nzeyimana Felicien, uyobora ‘Ijabo Remera SACCO’ avuga ko buri mpera z’Umwaka Murenge SACCO uha raporo abanyamuryango bayo, gusa ugasanga bahisemo kongera gushora inyungu baba babonye kuko ahenshi SACCO zikirimo kwiyubaka, ariko ngo mu gihe kiri imbere abanyamigabane bazatangira kujya bahabwa inyungu ku migabane yabo.

Koperative Umurenge SACCO yashyizweho n’imyanzuro y’inama nkuru y’igihugu y’umushyikirano yo mu Kuboza 2008, mu 2009 hashyirwaho gahunda ya ‘SACCOs strategy’, mu 2012 SACCO zari zimaze gukwira mu Mirenge yose y’igihugu 416.

Soma inkuru: Imirenge SACCO imaze kwibwa miliyoni 600 Rwf

U Rwanda rufite intego yo kugera ku bwizigame bwa 18% by’Umusaruro mbumbe w’igihugu (GDP) muri Gahunda y’Imbaturabukungu ya kabir (EDPRS2), ngo bizatuma  rugera ku ishoramari rya 30% ya GDP, ndetse 80% by’abaturage bakazaba bakoresha Serivisi z’imari mu mwaka wa 2020, ari nayo mpamvu Leta ikomeje gushyira imbaraga mu guteza imbere ibigo by’imari bito n’ibiciritse byegereye abaturage.

Vénuste KAMANZI
UM– USEKE.RW