Muganga SACCO ni Ikigo cy’imari iciriritse gihuriwemo n’abakora mu nzego z’ubuzima. Cyatangijwe ku mugaragaro mu Ukwakira 2021 nyuma yo kuvugurura ikimina cyahuzaga bamwe mu bakozi bo muri uru rwego kizwi nka HSS-MAG.
Banki Nkuru y’Igihugu na Muganga SACCO biri mu biganiro bigamije kurebera hamwe uko abakora mu rwego rw’ubuzima batangira kujya bahemberwa muri iki kigo cy’imari iciriritse.
Kuri 24 Werurwe 2022, ubwo hateranaga Inteko Rusange isanzwe ya Muganga SACCO, ubuyobozi bw’iki kigo bwatangaje ko buri mu biganiro no kuzuza ibisabwa kugira ngo gitangire kunyuzwaho imishahara y’abakora muri uru rwego rw’ubuzima.
Iyi nteko rusange niyo yamurikiwemo politiki nshya y’inguzanyo iki kigo kizajya kigenderaho ndetse n’ibirango bishya. Ibi byose bisimbura uburyo bwakoreshwaga n’ikimina cya HSS-MAG.
Hanasuzumwe kandi uko iki kigo gihagaze mu bijyanye n’umutungo, aho byagaragjwe ko mu mwaka washize wa 2021, Muganga SACCO yungutse miliyoni 245Frw. Kuva mu 2018 ubwo hatangizwaga HSS-MAG, iki kigo muri rusange cyungutse asaga miliyoni 500Frw.
Kugeza ubu umutungo w’iki kigo umaze kurenga miliyari 5Frw ndetse n’agera kuri miliyari 2 Frw ari mu banyamuryango bacyo nk’inguzanyo.
Umuyobozi Mukuru wa Muganga SACCO, Claudine Uwambayingabire yavuze ko batangiye kubona ibyangombwa bibemerera gukora nk’urwego rw’imari iciriritse.
Ati “Ibyangombwa bya mbere twarabibonye, RCA yamaze kuduha ubuzima gatozi ubu tugeze ku rwego rwo gusaba ibyangombwa birebana na Banki Nkuru y’Igihugu kugira ngo twemererwe gukora nk’urwego rw’imari iciriritse kandi rwemewe mu gihugu.”
Yakomeje avuga ko kugeza ubu batangiye imyiteguro izafasha gutangira kwakira imishahara y’abanyamuryango.
Ati “Nitumara kubona ibyangombwa nk’uko Banki Nkuru y’u Rwanda ibiteganya bazahita batangira gucisha imishahara yabo iwacu, kuko twebwe imyiteguro imbere mu kigo tuyigeze kure ku buryo dutekereza ko nitumara kubona uruhushya tuzahita dutangira kwakira imishahara y’abantu.”
Uwambayingabire yavuze ko kuba uyu munsi batabasha kunyuzaho imishahara y’abanyamuryango hari igihombo kinini biteza.
Ati “Kuba itahanyura bifite imbogamizi ikomeye cyane, ubu hari amafaranga dufite tutazi ba nyirayo kubera ko imishahara itugeraho ikatirwa ku rwego rw’ibitaro cyangwa ku Karere bigakorwa n’abayobozi bashinzwe abakozi. Iyo bamaze gukata ayo mafaranga ntibatugezeho urwo rutonde ntabwo tumenya ngo amafaranga ni ayande ariko dufite iyo mishahara ibyo bintu tukabyikorera twakuraho ayacu andi akayakoresha icyo ashaka.”
Yakomeje avuga ko kuba batangira kunyuzwaho imishahara byakemura ikibazo cy’uko ubu batabasha kwishyuza neza inguzanyo baba batanze.
Ati “Indi mbogamizi dufite ni uko hari igihe dushobora guha umuntu inguzanyo ntitubone ubwishyu kubera ko tutagera ku mushahara we, niba dutanze inguzanyo urutonde turwohereza ku karere kugira ngo batwishyurize iyo abakozi bashinzwe abandi ku karere cyangwa ku bitaro badashyizemo ubushake icyo gihe ntabwo iyo nguzanyo yishyurwa. Urumva ko dufite ikibazo gikomeye.”
Kuva hashyirwaho Muganga SACCO, abu n’abakora mu nzego z’ubuzima zigenga bemerewe kuba bakwizigamira muri iki kigo cy’imari bitandukanye n’uko byari bimeze mbere.
Icyemezo cyo gutangira guhemberwa muri Muganga SACCO, abanyamuryango bayo bacyakiriye neza bavuga ko kizabafasha guteza imbere iki kigo cy’imari.
Ubu abizigamira muri Muganga SACCO bashyiriweho uburyo bw’inguzanyo zitandukanye zirimo iyitwa Overdraft, umuntu ashobora gusaba agahita ayihabwa ako kanya, akazishyura ashyizeho inyungu ya 3%. Aha amafaranga atangwa ntashobora kurenza ibihumbi 500 Frw.
Hari kandi indi nguzanyo yiswe ‘Emergency loan’ umuntu yishyura mu myaka ibiri ashyizeho inyungu 8,5%.
Muganga SACCO kandi yashyizeho n’izindi nguzanyo zirimo iyo kugura imodoka, ishobora gufasha abari mu rwego rw’ubuzima gutangiza umushinga wunguka, iyabafasha gukomeza kwiga amashuri n’ibindi.
Ubuyobozi bw’iki kigo cy’imari bwatangaje ko mu minsi mike iri imbere buzafungura icyicaro gikuru kizaba kiri mu Karere ka Kicukiro. Umuyobozi Mukuru wa Muganga SACCO yavuze ko nta mashami bateganya gufungura ko ahubwo bazimakaza imikoreshereze y’ikoranabuhanga ku buryo umunyamuryango azajya arikoresha mu gusa inguzanyo, kubitsa no kubikuza atiriwe ava aho ari.
Umuyobozi Mukuru wa Muganga SACCO, Claudine Uwambayingabire yavuze ko batangiye kubona ibyangombwa bibemerera gukora nk’urwego rw’imari iciriritse
Harahijwe abayobozi 13 bagize inzego zitandukanye za Muganga SACCO.
Iyi Nteko Rusange ya Muganga SACCO yitabiriwe n’abanyamuryango bavuye hirya no hino mu gihugu
