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Kugabana inyungu z’Umwalimu SACCO byatuma Koperative ifunga imiryango - DG Uwambaje
Umuyobozi mukuru wa Koperative Umwalimu Sacco, Laurence Uwambaje, avuga ko abanyamuryango bayo batazagabana inyungu (Ubwasisi) mu gihe abakeneye inguzanyo ari benshi kuko byatuma banki ihomba bityo ntikomeze gufasha abanyamuryango bayo.
Yabitangaje ku wa Gatatu tariki ya 18 Kanama 2021, mu kiganiro Ubumva Ute cyatambutse kuri KT Radio kibanze ku buzima bwa Mwarimu.
Uwambaje yavuze ko koperative Umwalimu Sacco yashinzwe hagamijwe kuzamura imibereho ya mwarimu ahanini binyuze mu guhabwa inguzanyo zibateza imbere.
Yatangiye abarimu bishyira hamwe bahuza imbaraga umwarimu akatwa 5% ku mushahara we, uko amafaranga yagiye yiyongera ni ko ingano n’ubwoko bw’inguzanyo bugenda buhinduka bitewe n’amafaranga yabonetse.
Ati “Tugitangira ntabwo twarenzaga inguzanyo y’imyaka ibiri cyangwa ugasanga ntidushobora kurenza 500,000 bitewe n’ingano y’amafaranga yari ahari abarimu bamaze kwizigamira 5%. Uko banki yagiye ikura, twavuye ku myaka ibiri tugenda tugira itatu, itanu. Tuva ku nguzanyo ku mushahara, tujya ku isanzwe, ubu dutanga ijyanye no gukora imishinga, ubu tugeze aho dushobora gutanga inguzanyo y’imyaka 10.”
Avuga ko Umwalimu Sacco igitangira, umyamuryango yatangaga amafaranga 10,000 na yo yatangwaga mu byiciro bitanu, hakiyongerago 5% ava ku mushahara nk’ubwizigame (Depot), bigera kuri miliyari eshatu z’Amafaranga y’u Rwanda.
Uyu munsi Umwalimu Sacco umaze kugera ku bwizigame bwa Miliyari 45,900 frs, inguzanyo ziri mu banyamuryango zikaba zimaze kugera kuri miliyari 76 n’inyungu ya miliyari 53.
Umuyobozi mukuru wa Koperative Umwalimu Sacco avuga ko abanyamuryango badashobora kugabana inyungu kuko byatuma banki ihomba bityo icyo yashyiriweho kikaba kirangiye.
Yagize ati “Icya mbere mbanza kubakuramo impungenge, ntibagomba kumva ko amafaranga bungukiye mu Mwalimu Sacco hari indi mifuka y’abantu ajyamo, aguma muri koperative yabo kandi ni nayo akomeza kwifashishwa mu kubakemurira ibibazo.”
Akomeza agira ati “Iyo mvuze ngo uyu munsi dufite inguzanyo za Miliyari 76 mu gihe ubwizigame ari Miliyari 45, rwa rwunguko rujya mu mutungo bwite rumaze kuba Miliyari 53, ni rwo ruvamo ya mafaranga aza kunganira ubwizigame (Depot) yabaye makeya kugira ngo duhaze uburyo basaba za nguzanyo.”
Avuga ko amabwiriza ya BNR ndetse na Koperative avuga ko kugira ngo koperative ikomeze gukora ari uko abanyamuryango batagabana inyungu zabonetse ngo bayarye kuko byatuma ifunga imiryango.
Yongeraho ko ahubwo 40% y’inyungu aguma muri koperative na ho 60% haganirwa icyo yakora kugira ngo koperative ikomeze gutera imbere.
Ikindi ngo abanyamuryango ba koperative Umwarimu Sacco bahisemo ko yakomeza kuguma muri koperative kugira ngo ikomeze gutera imbere kuko inguzanyo zakwa zikiri hejuru ugereranyije n’ubushobozi bwayo.
Uwambaje avuga ko baramutse banagabanye urwunguko rumaze kuboneka ayo buri wese yabona ntacyo yamumarira kuko nibura ku banyamuryango basaga 98,000 buri wese yabona 23,000 ku mwaka mu gihe baba bungutse Miliyari esheshatu mu mwaka.
Ibitekerezo ( 15 )
Ohereza igitekerezo
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Kubijyanye na SALARY ADVANCE y’imyaka 4 ndetse n’imyaka 5 nabazaga ngo bitandukaniyehe na credit ordinaire dore ko byose murimo murasaba ibyangombwa nka expertise ndetse no kwandikisha ingwate muri RDB kandi bitwara amafaranga menshi. mwadusubiza nabandi bakumviraho.
Umwarimu sacco njyembona ari nkaho ntacyo umaze kuberako sinumva uburyo yima umuntu inguzanyo amaze mukazi umwaka urenga ngo nuko adafite ibaruwa yaburundu nkaho ariyo izamukura mukazi.gusa bazabyigeho
Mu by’ukuri turashima sacco ariko se amafaranga ni ayacu ,tukayagurizwamo ku nyungu runaka Kandi nini ariko ntihagire twe icyo tubona ku nyungu Kandi ari ayacu . Ubwose niba mfitemo 400,000 bikagurizwa ku mwaka ari 16% ayo mafaranga abitse yungutse bivuze ibihumbi 64000 ntimuntampemo na 20000 . Ako si akarengane?
Ndashima igisubizo cya DG ku birebana no kugabanya ubwasisi.None se yasobanurira abanyamuryango igihe bazagirira uruhare kuri ziriya nyungu? Njye natanga igitekerezo cy’uko,bitabangamiye inama bahawe na BNR,biriya bihumbi 23000 yaduhayeho urugero yakongerwa ku bwizigame bwa mwarimu bityo akaguma muri koperative kandi agirire akamaro mwarimu igihe asabye emergency iziyongera.
Ndashima igisubizo DG yatanze ku bwasisi.Ariko se yatgaragariza igihe umwarimu azabonera kuri izo nyungu?
Njye natanga igitekerezo cy’uko,bitabangamiye inama bahawe na BNR ariya ibihumbi
DG arakoze cyane ibyo asobanuye birumvikana.gusa yumve abanyamuryango rwose cg nabyo afate umwanya adusobanurire neza.
Ukuntu umuntu agurizwa saving ze noneho kuri rate isumba izindi nguzanyo zose za cooperative. Konumva byaba kwizigamira ari igihano?
Byigweho
Ikibazo mbonamo ni ukuntu umwarimu aba yarafashe inguzanyo y’imyaka itatu, yamara umwaka cyangwa umwaka n’igice yahura n’ikibazo k’ingutu yaza abatakambira ngo muvugurure inguzanyo mu muhe indi, mwongereye igihe, inguzanyo mumwemereye mukayikuramo ayo yari asigaje kwishyura n’inyunguzayo agatwara asigaye. Nk’umuntu wabagaragarije ikibazo kandi mukacyumva , mukamwishyuza inguzanyo inshuro ebyiri mu mwaka umwe(cyagige cyari gisigaye arakishyurira akazongera no kukishyurira ayo mumuhaye)ni ukumusonga!
Alias ,koperative umwalimu Sacco yaje ari igisubizo kimwe mubibazo abarimu duhuranabyo mubuzima.Bakwiye kureba uko koperative yajya yishyura MTN igihe umwarimu akoresheje service zikorana buhanga ,kurutako umwalimu ariwe uzishyura bidutwara menshi
Nta nguzanyo itangwa itavuye mu bwizigame uhereye kuri salary advance, emergency cg ordinary loan. Kandi emergency iba iri risky cyane ugereranije n’izindi nguzanyo zigira abishingizi n’ingwate
Ndifuza kumenya ibyo umuzungura w’umunyamuryango witabye Imana agenerwa! Ibyo nzi:1.isanduku
2.imigabane ye
3.frs zo kurangiza ikiriyo
Uretse isanduku niyo twahawe, ibindi byo ntibyemewe? Bisaba ibihe byangombwa ngo tubihabwe?mumfashe pe!
Ibyo bibazo byose byarasubijwe kuko ngo nta nguzanyo itangwa itavuye mu bwizigame uheteye kuri salary advance emergency cg ordin
1.Abalimu bakatwa amafaranga kuri salary zabo Kandi menshi batazi ibisobanuro byayo, bazaduhe kuburyo burambuye ibyo badukata byose n’impamvu yabyo.
2.Abalimu ntibakagombye gutanga inyungu yo kumafaranga y’ubwizigame bwabo mugihe bagiye kuyaka(Emergency loan) None ahubwo ninayo twungukira kuri Rate iri hejuru kurusha izindi credit zose Zo muri U.Sacco, bazabitekerezeho neza bagabanye bave kuri 16% bageze munsi ya 8% byibuze abe 5%.
Cgw bavuge bati umuntu ugejeje kuri amount runaka y’ubwizigame, yemerewe amount runaka ntayatangire inyungu.
Mwiriweho neza, umuyobozi w’umwarimu sacco turamushimira Kandi nanjye sinshyigikira Abantu bifuza ko twagabana inyungu kuko twaba tugiye gutangira bundi bushya. Njye icyo nshaka ko muzambariza, ni kumafranga y’ubwizigame umwarimu atangamo bakazayamusubiza Ariko asezeye mu bwarimu. Ikibazo njye mfite ni uko iyo ngiye kwanga inguzanyo mu mafranga yanjye bamfitiye bansaba kuyungukira Kandi izo nyungu ntazazibonago Kandi ibyo bungukira ari amafranga yanjye nungukira. Rate yishyurwaho ni nini kuko iri hejuru Kandi inyungu bakwishyuza wowe munyamuryango wawe ntaho uhurirara nazo. Bagakwiye kwicara bagasuzuma icyo kuburyo umuntu ushaka inguzanyo kubwizigame bwe akwiye koroherezwa Kandi bakerekana n’uburyo butomoye inyungu kubwizigame umuntu atanga zigabanwa hagati ya cooperative n’umunyamuryango. Murakoze