Abakora muri SACCO bavuga ko imbogamizi ziri mu rwego rw’ubuhinzi, zirimo imihindagurikire y’ikirere zituma umusaruro wangirika, bigatuma ibigo by’imari bigenda biguru ntege muri uwo murongo, kubera ko iyo umuhinzi ahombye n’ibigo by’imari bihomba.

Ku rundi ruhande ariko ngo kuba Leta yarashyize nkunganire mu bwishingizi bw’ibihingwa bimwe na bimwe, bituma impungenge ibigo by’imari bigira zivaho, kubera ko iyo umuhinzi ahombye, ubwishingizi bwishyura icyo gihombo.

Umucungamutungo wa SACCO Zaza yo mu Karere ka Ngoma, Celestin Kayijamahe, avuga ko iyo habayeho ubufatanye cyangwa ubwishingizi ku bahinzi, bifasha ibigo by’imari kugabanya inyugu yasabwaga abahinzi, kubera ko hari ikiguzi baba bunganiwemo, bigatuma batanga inguzanyo ku kiguzi gito, ku buryo n’umuhinzi afata inguzanyo akazishyura ari uko yejeje, mu bihingwa birimo ibigori, umuceri n’ibindi byera nko mu gihe cy’amezi atandatu.

Ati “Mu myaka yashize ya 2015, izuba ryaravuye ntitweza, iyo batejeje ntibanishyura, twari twarahaye inguzanyo abahinzi b’ibigori, haza umushinga uva za Kenya, ugerageza kwishyurira bamwe, ariko twari twamaze guhomba kubera ko wageraga mu murima w’umuhinzi, ugasanga nta kintu kirimo kandi waramuhaye inguzanyo.

Akomeza agira ati “Nibuka ko ikigero cy’inguzanyo zikererewe cyigeze kugera kuri 30% kandi banki itegeka 5%. Urumva ko byari bimaze kwikuba hafi inshuro esheshatu kubera umusaruro w’abahinzi wahombye.”

Umuyobozi w’ishyirahamwe ry’ibigo by’imari mu Rwanda (AMIR), Jackson Kwikiriza, avuga ko AMIR na Hinga Wunguke basinye amasezerano y’ubufatanye, agamije kwegera abahinzi binyuze mu bigo by’imari.

Ati “AMIR icyo igiye gukora cya mbere ni ukumenya ubushobozi bw’izo SACCO, kuba bashoboraga gutanga serivisi nziza mu buhinzi, no kubafasha guhanga udushya tuzatuma abanyamuryango baza babagana, cyane cyane abagore, urubyiruko, n’abahinzi bibumbiye muri za koperative zikorera hirya no hino. Ikindi Ni ikijyanye no kubahugura uburyo batanga serivisi nziza, bagashobora kuba bakwegera abakiriya kugira ngo babikore neza.”

Umuyobozi Mukuru wa Hinga Wunguke Daniel Gies, avuga ko ayo masezerano azarushaho gufasha abari mu rwego rw’ubuhinzi kongera umusaruro.

Ati “Mu bufatanye bwacu na AMIR, turateganya ko za SACCO nyinshi zizashobora kugera ku bahinzi benshi bagafashwa gutanga inyungu nke ku nguzanyo, bahawe amafaranga menshi.”

Ni ubufatanye bufite ingengo y’imari ingana n’arenga Miliyoni 80Frw, mu gihe cy’imyaka itanu, bikaba biteganyijwe ko bizagera ku bahinzi barenga ibihumbi 24, barimo na za koperative.

Ubusanzwe ahenshi muri Sacco usanga inyungu ku nguzanyo ari 24% bingana na 2% buri kwezi, ariko ngo iyo habonetse umwishingizi cyangwa umuterankunga, hajyamo ubufatanye ishobora kugabanuka ikaba kuri 18% cyangwa 16%.