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Koperative Umwalimu Sacco yasubije abarimu bashaka kugabanyirizwa inyungu
Ubuyobozi bwa Koperative Umwalimu Sacco, butangaza ko budateganya kugabanya inyungu busaba abafata inguzanyo ihabwa Abarimu, kubera ibiciro birimo kuzamuka ku masoko hamwe n’inyungu banki icibwa mu gufata amafaranga mu zindi Banki.
Mu mpera z’ukwezi kwa Nyakanga 2022, Leta y’u Rwanda yatangaje ko igiye kongera umushahara wa mwalimu ndetse igenera miliyari eshanu, koperative Umwalimu Sacco mukongera inguzanyo zihabwa abarimu.
Abarimu benshi batangaje ko bishimiye kongerwa umushahara, ariko banezezwa n’uko inguzanyo bagiye guhabwa mu Mwarimu Sacco zigiye kwiyongera, n’ubwo basabye ko inyungu bacibwa zagabanuka kubera Leta hari amafaranga yashyize muri iyi koperative.
Kigali Today yifuje kumenya uko ibyifuzo bya mwarimu byakiriwe n’Umwalimu Sacco, ivugana n’umuyobozi wayo Uwambaje Laurence atangaza ko badateganya kugabanya ijanisha ry’urwunguko kuko n’ubwo bakira ari rutoya.
Agira ati "Dutangiza Umwalimu Sacco urwunguko rwari kuri 14% ku banyamuryango bose, ariko kubera Leta yashakaga guteza imbere ubuzima bwa mwarimu muri Leta, yemera kuzashyira mu kigega cy’Umwalimu Sacco miliyari 30, ariko urwunguko rucibwa umwarimu wa Leta rukamanuka rugera kuri 11%."
Uwambaje avuga ko miliyari eshanu Leta iherutse guha Umwalimu Sacco, zisanzwe muzo Leta yemereye iyo koperative.
Ati "Ziriya miliyari eshanu Leta yahaye Umwalimu Sacco ziri muri izo 30 Leta yemereye Umwalimu Sacco, Ubu imaze gutanga miliyari 22 kandi kubera umushahara wa mwalimu wiyongereye n’ubusabe bw’inguzanyo bwariyongereye, ubu dukeneye nibura miliyari 43 zo guha abakiriya bacu kandi ni amafaranga natwe dukura mu bafatanyabikorwa baba bakeneye inyungu."
Uwambaje akomeza asobanura ko aho bafata amafaranga ari muri BRD kandi ibahera ku rwunguko rwa 6% hakiyongeraho ibindi bikenerwa na banki bigatuma Umwalimu Sacco itajya munsi y’urwunguko rwa 11% nkuko abalimu babyifuza.
Ati "Ikindi tutakwirengagiza mu kumanura urwunguko rusabwa abanyamuryango, ni uko inguzanyo zitangwa zose atari ko zigaruka, urebye mu nguzanyo zifite ubukererwe zigera kuri 2,6%, ikindi tugomba kureba uko amafaranga ata agaciro, ibiciro ku masoko n’ibindi bikenerwa ku buryo tutakwizeza abanyamuryango ko tugiye kugabanya urwunguko basabwa rukajya munsi 11%."
Umwalimu Sacco yasubije abatarize uburezi bahabwa inguzanyo nto
Uwambaje yabwiye Kigali Today ko kuba Leta irimo kwinjiza mu burezi abantu benshi batabwize, bidatuma ihindura amabwiriza yayo.
Ati "Kuva muri Gashyantare 2020, abantu batize uburezi babukora bahawe amabwiriza yo kubwiga mu myaka itatu. Ndetse hatangwa igitecyerezo ko abazaba batarabwize bashobora gusezererwa mu kazi. Ibi byatumye Umwalimu Sacco ifata ingamba zo gukumira igihombo yahura nacyo iramutse ihaye amafaranga umuntu utarize uburezi, yakwirukanwa hakabura ubwishyu."
Yongeraho ko ibi bituma abantu bakora uburezi batarabwize badahabwa inguzanyo ku mushahara yishyurwa kurenza Gashyantare 2023, bihuzwa n’amabwiriza asaba abantu bakora uburezi batarabwize kuba barangije kubwiga.
Harakorwa iki ko Leta irimo guha akazi abatarize uburezi
Leta y’u Rwanda yashyize imbere kongera ireme ry’uburezi, yongera ibyumba by’amashuri mu kugabanya ubucucike.
Leta yongereye umubare w’abarimu itagendeye ku bize uburezi, ahubwo abashoboye bose bakoze ikizamini bagatsinda.
Hagendewe ku mabwiriza yemerera inguzanyo abize uburezi, abahabwa akazi bazahura n’imbogamizi.
Umuyobozi Mukuru w’Umwalimu Sacco, Uwambaje Laurence, avuga ko bategereje kureba icyo Minisitere y’Uburezi izatangaza, kivugurura umwanzuro wari warafashwe.
Agira ati "Dutegereje kureba umwanzuro uzafatwa, niba abarimo kujya mu kazi bazasabwa kwiga uburezi cyangwa bazajya bahabwa amahugurwa mu kazi bigakuraho amabwiriza yari yarashyizweho, natwe tugatangira kubaha inguzanyo ku mushahara ntacyo twikanga kuko tuba tugomba gutanga inguzanyo ariko twizera ko zizagaruka. Ariko niba Minisiteri ivuga ko umuntu wese agomba kwiga uburezi, uzaba atarabwize igihe iki n’iki ashobora gukurwa mu kazi, ni gute uwo muntu tumuha inguzanyo ku mushahara irenga icyo gihe?"
Koperative Umwalimu SACCO yatangijwe muri 2006 igamije kuzamura ubuzima bwa mwarimu, binyuze mu kumuha inguzanyo yunganira umushahara.
Muri 2008 nibwo iyo Koperative yatangiye guha abarimu inguzanyo ibatse urwunguko rwa 11% ku barimu bigisha mu bigo bya Leta n’ibifashwa na Leta, naho abakora mu bigo byigenga basabwa urwunguko rwa 14%.
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Badufashe ku kijyanye ni inguzanyo(mortgage loan) Aho kwiga dossier bifata ukwezi kurenga kugirango uhabwe ibaruwa ikwemerera bityo washyiraho igihe cyo gushaka ibindi buangombwa nyuma yo ku kwemerera ukazasanga amafaranga uyahabwa nyuma yamezi atatu ibyo bidutera ikibazo iyo dushaka kugura inzu kuko bifata igihe kirekire bigatuma uwo twagiranye nawe amasezerano ayasesa.
Badufashe ku kijyanye ni inguzanyo(mortgage loan) Aho kwiga dossier bifata ukwezi kurenga kugirango uhabwe ibaruwa ikwemerera bityo washyiraho igihe cyo gushaka ibindi buangombwa nyuma yo ku kwemerera ukazasanga amafaranga uyahabwa nyuma yamezi atatu ibyo bidutera ikibazo iyo dushaka kugura inzu kuko bifata igihe kirekire bigatuma uwo twagiranye nawe amasezerano ayasesa.
Leta yarakoze gufasha mwarimu kuko byari ngombwa. Njye ndibariza impamvu abarimu bakora mu bigo byigenga bagicibwa 14% y’inyungu kandi ikigo ari cooperative abanyamuryango bagombye gufatwa kimwe (ibi ni amategeko agenga cooperative). Ikindi ese hazabaho ubwo abanyamuryango bazajya bagabana ubwasisi? Naho ibi byo Umwalimu SACCO yabereye abarimu igisubizo, mbese yaziye igihe. Uyu munyamakuru yagize neza kudutarira inkuru nziza!
Bwana Prosper,
Murakoze ku butumwa bwanyu mutugejejeho.
1) Impamvu abarimu bakora mu bigo byigenga bacibwa 14% y’inyungu ku nguzanyo bahabwa na Koperative Umwalimu SACCO nuko hari inkunga itangwa na Leta yo gushyigikira abarimu bakora mu bigo bya Leta kugira ngo inyungu bacibwa ku nguzanyo zigabanurwe dore ko bahembwa umushahara muto ugereranyije n’abarimu bakora mu bigo byigenga. Niyo mpamvu, abarimu bakora mu bigo bya Leta bahabwa Mortgage loan na business/project loan (inguzanyo z’ubucuruzi) kuri 11% naho inguzanyo ku mushahara bakayihabwa ku nyungu ya 13%, mu gihe umwarimu ukora mu bigo byigenga we inguzanyo zose azihabwa ku nyungu ya 14%.
Cyakora Umwarimu ukora mu kigo cya Leta ufite ubushobozi bwo gufata inguzanyo iri hejuru ya miliyoni 10 na we ayihabwa ku nyungu ya 14% nk’abarimu bigenga cg abandi banyamuryango bakora mu nzego z’uburezi, kuko biba bigaragara ko ubushobozi bwe bwazamutse.
2) Ku birebana no kugabana ubwasisi, impamvu bitajya bikorwa n’uko amafaranga atangwa mu nguzanyo asumbye kure amafaranga y’ubwizigame bw’abanyamuryango, bityo inyungu Umwalimu SACCO yunguka buri mwaka yongera kuzishora mu gutanga inguzanyo kugira ngo icyo cyuho kiri hagati y’amafaranga y’ubwizigame n’amafaranga y’inguzanyo zitangwa kigabanuke.
Icyakora abanyamuryango bahabwa inyungu ya 5% kubyo bazigamye buri mwaka, bityo bakabona inguzanyo nyinshi zidasaba ingwate hakurikijwe ingano y’ubwizigame bwabo.
Muraho neza,U Sacco rwose nugerageze gufata abanyamuryango Bose kimwe nkeka ko umunyamuryango yagahawe inguzanyo hashingiwe ku ubushonozi bwo kwishyura yenda bagasaba ingwate Kandi yakumva hari abo itaguriza ikareka no kubasaba kuba abanyamuryango bakajya mu zindi banki.
Ikibdi nibare abanyamuryango dividend nabo ibahe ku rwunguko yenda Bo kurutwara rwiyongere ku bwizigame bwabo. njye sinumva ukuntu bunguka Miliyarari 16 ku mugabane w’ umunyamuryango ntihagire ikiyongeraho. Ikindi nibungukire ubwizigame bw’ abanyamuryango kuko kuba nagira ubwizigame bwa 1 Miliyo umwaka ugashira ntibampe ku inyungu kdi bayacuruje barangiza bakavugako ayo bacuruje bakuye ahandi yo bayatangira urwunguko.
Muraho neza Bwana Fideli,
1) Ku birebana n’abarimu batize uburezi bahabwaga inguzanyo ku mushahara yishyurwa bitarenze itariki ya 28/02/2023 kubera ibwiriza rya MINEDUC ryo mu 2020 ryagenderwagaho, twishimiye kubamenyesha ko Inama y’Ubutegetsi y’Umwalimu SACCO yafashe icyemezo cy’uko kuva uyu munsi tariki ya 03/10/2022 bazajya bahabwa inguzanyo yishyurwa mu mwaka umwe (amezi 12) idasaba ingwate, abafite ingwate bakaba bashobora kubona inguzanyo yishyurwa mu myaka itatu. Ibi bizakorwa mu gihe hategerejwe andi mabwiriza ya MINEDUC agena ibyo basabwa bijyanye no kwiga uburezi.
2) Ku bijyanye n’inyungu ku bwizigame buhoraho bw’abanyamuryango b’Umwalimu SACCO, buri mwaka Umwalimu SACCO ibaha inyungu ya 5% ku bwizigame muba mugejejemo. Ku itariki 31/12/2022 muzarebe ubwizigame bwanyu muri mobile banking, muzasanga hiyongeyeho 5% y’inyungu.
Murakoze.
Turashima Leta yacu ko yamenye kd igashyira mugaciro ikibuka akazi dukora n’inyungu gafitiye igihugu cyacu yarakoze umukuru w’igihugu cyacu nyakubahwa Paul Kagame azarambe kurusha ubwoya bw’inka wamugabow’abanyarwanda.
Gahunda yo gusaba Emergency dukoresheje telephone ko mbona yaratsinze cyane habura iki?
Bwana Munyaneza Jean Modeste,
Gahunda yo gusaba Inguzanyo y’Ingoboka (Emergency Loan) hakoreshejwe telefone igendanwa turi kuyikoraho, bitarenze impera z’uyu mwaka wa 2022 izaba yatangiye.
Ese kuki Avance sur salaire idasaba ingwate kuki itazamurwa ngo ive kuri miliyoni eshatu n’igice mugire imishahara yongerewe?