Nyuma y’imyaka 4 ikimina cy’abaganga n’abayobozi bakora muri urwo rwego gikora ibyo kugurizanya, kikagira imari shingiro ya miliyari zisaga 4.5 biyemeje kugihinduramo Umuganga SACCO mu rwego rwo kurushaho gukora kinyamwuga no gucunga neza umutungo.
Umuganga SACCO yatangijwe kuri uyu wa Kane tariki ya 28 Ukwakira 2021, i Kigali, mu Nteko rusange yahuje abakora muri uwo mwuga barebera hamwe ibyo bamaze kugeraho mbere yo kwiyemeza kuzamuka mu ntera.
Ubuyobozi bw’icyo Kimina kimaze kugira abanyamuryango basaga 11 000 bushimangira ko kimaze guhindura ubuzima bw’abo, cyane ko muri iyo myaka kimaze gutanga inguzanyo z’asaga miliyari ebyiri z’amafaranga y’u Rwanda n’inyungu ya miliyoni zisaga 220.
Minisiteri y’Ubuzima yashimiye abakozi bake batangije iki kimina none kuri ubu kikaba kibonwamo icyerekezo gihamye, kuko kuri ubu iyo SACCO ibaye urwego rwemewe n’amategeko ruzajya rubona n’abandi baterankunga batandukanye mu rwego rw’imari.
Umunyamabanga wa Leta muri Minisiteri y’Ubuzima ushinzwe ubuvuzi bw’ibanze Dr. Mpunga Tharcisse, yashimangiye ko nyuma yo gutangiza iki kigega Leta y’u Rwanda yiyemeje kugitera inkunga ya miliyari 10 Frw.
Yavuze ko iki kimina cyatangiye mu mwaka wa 2017 gifite intego zo guteza imbere kudahindagurika umubano mwiza mu bakozi b’urwego rw’ubuzima, gushyiraho uburyo bworoshye kandi bwihuse bwo kubona inguzanyo inogeye umukozi no guteza imbere umuco wo kwizigamira mu bakozi b’urwego rw’ubuzima.
Yashimangiye ko Leta y’u Rwanda izirikana ubuzima bw’abaganga n’abandi bakozi bo mu rwego rw’ubuzima ari na yo mpamvu yiyemeje gushyigikira iyo Koperative, cyane ko byari bigoye kuba yabashyigikira bacyibumbiye mu Kimina.
Umuyobozi Mukuru wa HSS-MAG yahindutse Sacco, Claudine Uwambaye Ingabire, avuga ko bafite icyizere cy’uko batazigera bahomba, kuko mu myaka ine bamaze bakora nk’ikimina batigeze bahomba.
Ati “Ubu ikimina cyari gifite abanyamuryango barenga ibihumbi 10, ndetse twateganyaga y’uko mu kwa 12 uyu mwaka tuzaba tugejeje abanyamuryango ibihumbi 11 barenga, tukaba tumaze kugira ubwizigame bungana na miliyari 4.5Frw. Tumaze no gutanga inguzanyo zirengaho gato miliyari 2, turateganya ko muri uyu mwaka tuzunguka miliyoni 300 zirenga, hanyuma imyaka izakurikiraho tuzajya tugira urwunguko ku buryo tuzagera muri 2024 twunguka amafaranga arenga hafi miliyoni 150 ku mwaka”.
Hakizimana Vedaste ni umunyamuryango wa HSS-MAG, yahindutse Umuganga SACCO, avuga ko hari byinshi ikimina cyabafashije ariko kandi ngo biteze umusaruro wisumbuyeho.
Ati “Ntabwo washoboraga gusaba inguzanyo irengeje imyaka itatu, kujya muri Sacco bizatuma dusaba inguzanyo y’igihe kirekire kandi yo gukemura n’ibibazo byinshi kuko mu gihe wari uri mu kimina ntabwo washoboraga kuguza inguzanyo irenze icyo gihe, kuko bagukubiraga kabiri ayo umaze kubitsaho.
Mu gihe ariko bizaba byabaye Sacco, izaba igendera ku mategeko ateganywa na Banki Nkuru y’Igihugu nk’izindi Sacco, kandi umuntu azashobora kubona inguzanyo y’igihe kirekira kandi n’amafaranga yashoboraga kubona yiyongere”.
Kugeza ubu buri munyamuryango yasabwaga kwizigamira nibura 5% by’umushahara we w’ukwezi kuri konti inyuzwaho inguzanyo, akaba atemerewe kubikuza ayo mafaranga kandi ari yo yakoreshaga nk’ingwate agatuma ahabwa inguzanyo, akaba yemerewe gukomeza kuba umunyamuryango ageze no mu zabukuru.
Nyuma y’amezi atatu, umunyamuryango aba yemerewe kubikuza 80% bya ya mafaranga yizigamye ku bushake, ndetse no kuri ubu bwizigame bw’ubushake umuntu ashobora kuboneraho inguzanyo ikubye kabiri ubwizigame bwe agomba kwishyura mu myaka ibiri.
Ku nguzanyo, hari iyihutirwa itangwa iyo umunyamuryango ahuye n’ibibazo bimutunguye birimo ibiza, ibijyanye no gushyingura uwe yapfushije n’ibindi. Ni inguzanyo yishyurwa nyuma y’amezi 12, ndetse kuba umuntu yakongera gusaba iyo nguzanyo ntibisaba kuba yararangije kwishyura kuko ibyago bidateguza. Inyungu yishyura muri icyo gihe cy’amezi 12 ni 8%.
Hari n’inguzanyo isanzwe yishyurwaga ku nyungu ya 5% aho umunyamuryango asabwa kuyishyura buri kwezi ariko ntarenze 50%, ndetse yaba ayifite afite na ya yindi yihutirwa akaba adashobora kurenza 75% by’ubwishyu. Umunyamuryango wahawe iyi nguzanyo aba yemerewe gufata indi mu gihe yarangije kwishyura.
Indi nguzanyo ni itangwa ku mushahara (overdraft loan) yakorwaga mu gihe cy’amezi atatu ariko ikaba itarengaga amafaranga y’u Rwanda 500,000 aho umunyamuryango yishyura nibura 15% by’umushahara igihe ihujwe n’inguzanyo yihutirwa (emergency loan).
Amahirwe abanyamuryango b’Umuganga SACCO bazagira bidatinze ni uko hazashyirwaho isoko riborohereza guhaha ku biciro bigabanyijwe nk’uko abakora mu nzego z’umutekano bagira iryo soko.
