Guhuza imirenge Sacco bizatuma abaturage babasha kubitsa no kubikuriza aho bashaka

Umurenge SACCO ni koperative yo kubitsa no kuguriza yashyizweho na Guverinoma y’u Rwanda muri gahunda yiterambere yiswe Vision 2020, igamije kongera serivisi z’imari ku baturage.

Gahunda y’umurenge Sacco ikaba yarafashije Abanyarwanda kugana ibigo by’imari, aho yinjije nibura abanyamuryango barenga miliyoni enye mu makoperative 8.500 ari mu Kigo cy’amakoperative mu Rwanda (RCA), bigafasha abanyamuryango bayo kwegerwa n’ibikorwa bya banki, bashobora kubitsa no kugurizwa ku nyungu ntoya kuruta iyo mu mabanki y’ubucuruzi.

Nubwo imirenge Sacco 416 yashinzwe mu gihugu, harimo iyagiye igira ikibazo cy’amafaranga makeya bitewe no kwibwa, iyindi igira amafaranga makeya bitewe n’ubwizigame, kubera ko Sacco zabaga ziherereye, ntizorohereje abaturage kubona serivisi neza kuko mu myaka 8 ishize nyinshi zidakoresha ikoranabuhanga, bigatuma iyo wafungujemo konti ari yo ukorana nayo gusa.

Ni imbogamizi ku banyamuryango bakorana nazo, mu gihe zifashijwe gukemura ibyo bibazo zavamo ikigo gikomeye ndetse gifite abanyamuryango benshi.

Mugambage Rachard, umukozi wa RCA ushinzwe guhuza ibikorwa bya Sacco, yatangarije Kigali Today ko guhusa Sacco zikavamo ikigo kimwe cy’amakoperative byafasha abakorana nazo kubona amafaranga menshi, ndetse bakoroherezwa kuyabona binyuze mu ikoranabuhanga.

Avuga ko ayo mavugurura azafasha imirenge Sacco kwihuza akabyara Sacco nini mu Karere izaba ifite imicungire ikomeye, hakazabaho guhuza izo mu turere ku rwego rw’igihugu.

Agira ati “Hazabanza guhuza imirenge Sacco ikorera mu karere ikore imwe nini ifite ubushobozi n’imicungire ihamye, bikazafasha Sacco zahuye n’ibibazo byo kwiba no kugira amafaranga makeya, mbese kugira ubushobozi kandi zihabwe ikoranabuhanga byorohereze umuturage”.

Ibikorwa byo gukoresha ikoranabuhanga mu Mirenge Sacco byari bimaze igihe bitekerezwa kuko hari hatangiye igerageza kuri Sacco eshatu zirimo Umurenge Sacco ya Gisenyi, uwa Kanombe na Rutunga.

Icyakora mu mwaka wa 2020, abacungamari b’izo Sacco bavugaga ko ikoranabuhanga ridakora neza kuko harimo ibibazo mu guhuza imibare ku bantu bahabwa inguzanyo.

Mugambage avuga ko ibyo bibazo ubu byakemutse, ndetse ibikorwa byo gushyira ikoranabuhanga mu Mirenge Sacco bizarangirana n’umwaka wa 2021, naho umwaka wa 2022 ukarangira Imirenge Sacco yarahujwe.

Ati “Guhuza Sacco bizatanga amahirwe ku banyamuryango, harimo ubushobozi bwo gucunga neza amafaranga, kwihutisha serivisi, gufatira amafaranga aho ushaka utagombye kuyafatira aho wafunguriye konti, naho Sacco zibwe amafaranga zizahabwa ubushobozi bwo kuziba icyuho”.

Nubwo Sacco zizahurizwa hamwe, Mugambage avuga ko zose zitazaba zaka inyungu ingana ku nguzanyo nk’uko Banki zose zitaka inyungu ingana.

Agira ati “Sacco yo mu karere izaba yigenga nubwo zizaba zikorana n’iyo ku rwego rw’igihugu, ibi bizatuma Sacco mu karere runaka ishyiraho inyungu runaka, ishobora gutandukana n’iyo mu kandi karere”.

Akomeza avuga ko Sacco izaba ifite imikorere nka Banki y’ubucuruzi ariko bitandukanire mu miyoborere kuko zizaba ziyobowe nka Koperative.

Mugambage avuga ko Sacco zizaba zifite inshingano yo gufasha abaturage koroherezwa kubona inguzanyo ku nyungu ziri hasi nubwo zizajya zibara inyungu bitewe n’uturere.

Kuva muri Nzeri 2019, RCA n’ibiro by’Ubugenzuzi Bukuru bw’Imari ya Leta (OAG) bari bagaragaje ko hari amakoperative agera ku 9.200 yiteguye gutanga 60% (miliyari 3 z’amafaranga y’u Rwanda) y’ishoramari rikenewe kandi akaba yari ategereje ko umushoramari ashobora kugura imigabane 40% mu gutangira.

Mu nama y’Abaminisitiri yabaye ku ya 15 Werurwe 2021, Minisitiri w’Imari n’Igenamigambi yasabye Guverinoma kuvugurura ibibazo by’imicungire y’imari ya Umurenge Sacco.

Guverineri wa Banki Nkuru y’u Rwanda, John Rwangombwa yabwiye itangazamakuru ko ivugurura ry’ibanze rizibanda ku kuba Sacco ikora mu buryo bwihuse bishoboka mu rwego rw’ibanze, kugira ngo imikorere myiza yazo igerweho neza.

Icyo cyemezo kije mu gihe Covid-19 yagize ingaruka ku nguzanyo nshya zemejwe ko zagabanutseho 8%, ziva kuri miliyari 1.160 zemerewe mu mwaka wa 2019 zikagera kuri miliyari 1,066 muri 2020, nk’uko byemezwa na Politiki y’imari ya Banki Nkuru n’itangazo ry’imari mu gice cya kabiri cya 2020.

Mu Rwanda habarurwa imirenge Sacco 416, ariko harimo izindi nk’Umwarimu sacco na COOPEC z’ibyayi, bigatuma Sacco ziba 438 kandi izizabishaka zizivanga n’Umurenge Sacco uretse Umwarimu Sacco imaze gutera imbere.

Habarurwa kandi miliyari zigera kuri 18 z’umugabane w’Imirenge Sacco, naho ibihombo bibarwa bitewe n’ubujura bwabaye birenga gato miliyari ebyiri.

Naho Sacco zahuye n’ibibazo by’ubujura bukomeye ni Umurenge Sacco wa Rugerero, Jabana na Bumbogo zagize ibibazo zibura amafaranga yo gusubiza abanyamuryango, kandi zigomba kuzafashwa muri gahunda yo kongerera ubushobozi Imirenge Sacco, icyakora hari n’izindi 20 zifite ibibazo by’ubushobozi bucye nazo zigomba kuzitabwaho.

MENYA UMWANDITSI

Sylidio Sebuharara

Umunyamakuru

@ sebuharara

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