SACCO zahawe inkunga yo gukangurira abahinzi kwegera ibigo by’imari

Iyi nkunga y’amadorari y’Amerika ibihumbi 56  bahawe n’umushinga Hinga Weze izafasha izi SACCO uko ari eshanu gukurikirana no kujya gusura imishinga yatanzwemo inguzanyo ku bahinzi n’aborozi.

Umuyobozi Mukuru w’umushinga Hinga Weze, Dan Gies avuga ko, ngo nkuko intego yabo ari ugufasha abahinzi basaga 530,000 mu turere 10 ikoreramo mu kwita ku buhinzi no kunoza imirire by’umwihariko umwana n’umugore, ndetse no gufasha abahinzi mu guhangana n’imihindagurikire y’ikirere; yemeza ko iyo  abahinzi banyuze mu bigo by’imari iterambere ryihuta, bityo ko iyi nkunga ikaba izabafasha izi SACCO gukurikirana no guha ubumenyi abahabwa inguzanyo. Ndetse n’ubumenyi abacungamutungo bizi SACCO basinyanye amasezerano bahawe bukazabafasha kunoza akazi kabo ka buri munsi.

Ntahondereye Théogène ni umucungamutungo wa Unguka Gihombo SACCO yo mu Karere ka Nyamasheke, Intara y’Iburengerazuba yavuze ko abanyamuryango benshi bafite ari abahinzi n’aborozi, amafaranga y’ubwizigame baba bafite aribo baba bayazanye, kuko 90% b’abanyamuryango ari abahinzi borozi kubera ko ari ikigo cy’imari iciriritse.

Ntahondereye yagize ati “Aho dutangiye gukorana na Hinga Weze kuva mu kwezi kwa gatandatu 2020 kugeza mu mpera z’ukwezi kwa gatatu 2021 twari tumaze guha abahinzi inguzanyo zingana na miliyoni 37 .275.000”.

“Iyi nkunga ni uburyo bwo koroshya kugira ngo SACCO ibe yagira ubushake bwo gutanga ya nguzanyo ndetse no kuzikurikirana, amafaranga batwemereye angana na miliyoni 4. 670.000 azakoreshwamo imirimo igenewe amahugurwa, abakora mu buryo bwo gusesengura no kwemeza inguzanyo. Andi akaba azajya afasha abakozi ba SACCO gukurikirana no kujya gusura ya mishanga yatangiwemo inguzanyo n’abahinzi mu rwego rwo kugira ngo babone ko twabahaye inguzanyo turimo no kubegera. Ariko nanone tunagamije kugira ngo abahinzi badafite amakonti babe baza nubundi kuyafunguza hashingiwe ku bukangurambaga nicyo ayo mafaranga agenewe”.

Ntahondereye yanakomeje asobanura icyo biteze kuri nkunga. “Icya mbere nuko inguzanyo ziziyongera, birumvikana ko igishoro cyacu cya mbere ari inguzanyo. Inguzanyo iyo ziyongereye zizamura n’inyungu SACCO ibona, baba bahinzi bahawe inguzanyo tuzababona ku buryo bworoshye, igiciro byasaba SACCO kizagabanuka kubera ko twabonye iyi grants (inkunga) ya Hinga Weze, twatangaga ku bakozi bajya gusura inguzanyo ndetse no gukurikirana abazihawe.

Ushinzwe imari idahutaza mu Ishyirahamwe ry’Ibigo by’Imari Iciriritse mu Rwanda (AMIR) Association of Microfinance Institutions in Rwanda; Uwase Kabarega Charty niwe wahuguye abacungamutungo b’Imirenge SACCO binyuze muri Hinga Weze, umushinga watangijwe ku bufatanye n’Ikigo cy’Igihugu Gishizwe Guteza Imbere Ubuhinzi n’Ubworozi RAB ku nkunga y’Umuryango w’Abanyamerika Wita ku Iterambere Mpuzamahanga USAID; akaba yabibukije ibyiza byo guha amakuru ugiye guhabwa inguzanyo.

Aho yagize ati “Inguzanyo ntago ari impano, ni amafaranga ahabwa umukiliya ku nyungu runaka kandi agomba no kuzishyura kandi akayishyura mu gihe runaka niyo mpamvu iyo ugize ibintu uhisha ntumubwize ukuri mbere yuko ayifata yishyira mu mukino atazi neza, noneho rimwe na rimwe bigatuma yanahomba ndetse n’ikigo cy’imari kikaba cyanajya mu gihombo. Niyo mpamvu rero tubakangurira ko ari ngombwa ko umunyamuryango cyangwa umukiliya abwizwa akuri kandi amakuru yose agenewe umunyamuryango akavanwa muri mudasobwa akamanikwa hanze ahantu hagaragara ku buryo umuntu wese uje gusaba serivisi amenya amakuru, agahabwa contract (amasezerano) kandi agahabwa igihe cyo kuyisoma kandi iyo contract igashyirwa mu rurimi yumva bigatuma yumva ko ikintu agiyemo azagishobora akabyiyemeza iyo ntego akayishyira mu bikorwa neza”.

Ingaruka yo kudahabwa amakuru

Uwase Kabarega Charty yagarutse ku ngaruka ziza kuwafashe inguzanyo nta makuru yahawe ndetse zikaba zagera no ku kigo cy’imari.

“Icya mbere bishobora gutuma umukiliya afata amafaranga arenze ubushobozi bwo kwishyura, icyakabiri bishobora gutuma aba umukene kandi yarafite ingamba zo kwiyubaka hari ahantu yarageze agenda yiyubaka, umunsi yatangiye kujya mu kigo cy’imari bakaba bamugeretseho rwa rusyo kurwikorera bikamunanira bigatuma abana bava mu mashuri cyangwa akanaterezwa ibyo yatanzeho ingwate ndetse bigatuma na SACCO ubwayo ihomba”.

Umucungamutungo wa Unguka Gihombo SACCO, Ntahondereye Théogène yagize icyo avuga kuri iki kibazo.

“Kera hari modeli ya contract (amasezerano) BNR (Banki Nkuru y’Igihugu) yari yaratanze kenshi zabaga ziri mu ndimi z’amahanga ariko ubu babanza guha usaba inguzanyo ibizakatwa ku nguzanyo byose. Mbere yuko ahabwa amafaranga ibyo asabwa n’ibiki? Kandi akabihabwa mu rurimi yumva”.

Yakomeje agira ati “Ababa badatanga amakuru baba ari ukwirengangiza nkana amabwiriza ya Banki Nkuru y’u Rwanda, icya mbere bakagombye kubanza kwereka umukiliya ibyo asabwa mbere yuko abona inguzanyo yakumva azabishobora agakomeza inzira zisaba inguzanyo”.

Uyu mucungamutungo yanavuze uko kwishyura inguzanyo muri Unguka Gihombo SACCO bihagaze. Aho yagize ati “Mu rwego rw’ubuhinzi igipimo cyo kutishyura neza cyari kigeze kuri 1,6 % ni igipimo kiri hasi ugereranije n’ibiteganywa na Banki Nkuru y’u Rwanda kuri 5% z’inguzanyo ziri hanze. Abageze kuri 5,3 % kubatarishyura inguzanyo, abenshi nubundi usanga bari muri za serivisi zagizweho ingaruka na corona virus abandi akaba ari abantu bo mu cyiciro cya 1, mu nguzanyo zatanzwe muri gahunga ya VUP z’abatishoboye bikaba byaratumye uburyo bwo kwishyura bwaragiye buba ikibazo”.

Umutungo bwite wa Unguka Gihombo SACCO ugeze muri miliyoni 271.000.000. Mu Gihugu hari SACCO 116.