Umwalimu SACCO yatangije serivisi nshya z’ikoranabuhanga

Koperative Umwalimu SACCO yatangije serivisi nshya z’ikoranabuhanga, zizafasha abanyanyamuryango kugera kuri serivisi z’imari kandi bidahungabanyije akazi kabo ko kwigisha.

Koperative Umwalimu SACCO yatangije serivisi nshya z
Koperative Umwalimu SACCO yatangije serivisi nshya z’ikoranabuhanga

Ni gahunda yatangijwe ku wa Gatatu tariki 28 Ukuboza 2022, ikaba ije nyuma y’uko n’ubundi mu mpera z’umwaka wa 2019, iyo Koperative yari yatangije gahunda ya ‘Mobile Banking’ ikaba yarafashije cyane abanyamuryango muri serivisi zijyanye no kubitsa no kubikuza, bakoresheje telefone zabo.

Serivisi z’ikoranabuhanga zatangijwe ni eshatu, zirimo Internet Banking, ishobora kwifashishwa muri serivisi zitandukanye zirimo kuba ibigo byashobora kwishyura ba rwiyemezamirimo, kwishyura imishahara, kureba konte n’ibindi, naho ‘Online Emergence Loan’ yo ishobora gukoreshwa hasabwa inguzanyo ndetse no kuyihabwa hakoreshejwe telefone, mu gihe ‘E-Tax’ ishobora gukoreshwa hishyurwa imisoro hamwe n’izindi serivisi zose zijyanye nawo.

Umuyobozi Mukuru wa Umwalimu Sacco Laurence Uwambaje, avuga ko hashingiwe ku masomo bigiye kuri Covid-19, byatumye batekereza ko na serivisi z’inguzanyo zashyirwa kuri telefone.

Ati “Hashingiwe ku masomo twigiye kuri Covid-19, byatumye dutekereza ko na serivisi z’inguzanyo zashyirwa kuri telefone, cyane cyane izireba abanyamuryango ku giti cyabo, bikaba bizagenda bikorwa mu byiciro. Uyu munsi tukaba dushyira ahagaragara inguzanyo y’ingoboka (online emergence loan), ishobora kwishyurwa mu gihe cy’imyaka ibiri, itangiwe kuri telefone yaba igezweho cyangwa isanzwe”.

Akomeza agira ati “Ni inguzanyo ishingiye ku bwizigame bw’umunyamuryango, bikazagabanya ingendo bakora baza ku mashami, kuko usanga ubu bwoko bw’inguzanyo bwari bufite uruhare runini, muri izo ngendo. Naho ku bigo by’amashuri hashyizweho Internet Banking, kuko ifite ubushobozi bwo guhuzwa n’imikorere y’ikigo, aho yatangirijwe mu bigo byaba iby’ubucuruzi, amashuri, ndetse n’amashyirahamwe y’abanyamuryango”.

Uwambaje avuga ko bakuye amasomo kuri Covid-19 y
Uwambaje avuga ko bakuye amasomo kuri Covid-19 y’uko ikoranabuhanga ryakorohereza abanyamuryango

Abanyamuryango b’Umwalimu SACCO bavuga ko gukenera serivisi bakazibona ari uko bibasabye kujya ku mashami hari igiye byabiciraga akazi, ku buryo serivisi z’ikoranabuhanga, zigiye kurushaho kuborohereza kunoza akazi kabo.

Odette Nishimwe ni umurezi ukomoka mu Karere ka Kamonyi, avuga ko bagikoresha uburyo bwo kujya ku mashami habagamo imbogamizi zigoye cyane.

Ati “Washoboraga kujyayo nka saa mbiri ukaba wataha nka saa munani, ariko kuri ubu buryo bwo gukoresha telefone, ugakurura amafaranga yawe ukayashyira kuri konte, ukaba wakwiha inguzanyo yo mu gihe gito, ni ibintu bisobanutse cyane, kandi byatugiriye inyungu, kuko gukoresha ayo matike byavuyeho, umwanya wo gutakaza mu rugendo. Amafaranga urayakurura ukayakuraho ukayakoresha mu gihe gito, mbese utagombye gufata urwo rugendo twakoraga, bityo tukabasha kuzigama ayo mafaranga y’amatike tukayakemuza ibindi bibazo”.

Umuyobozi Mukuru w’Ikigo cy’Igihugu cy’Uburezi (REB), Dr. Nelson Mbarushimana, avuga ko serivisi z’ikoranabuhanga zashyizweho zizarushaho korohereza abanyamuryango, ari naho yahereye abasaba kuzitabira ndetse no kuzamura ireme ry’uburezi.

Ati “Nta murezi ukwiye gutakaza umwanya ajya gushaka serivisi ku ishami ry’Umwalimu SACCO, kuko ikoranabuhanga ryabyoroheje, ahubwo murasabwa namwe kurushaho kuzamura ireme ry’uburezi. Ndashishikariza abanyamuryango bose kwitabira izi serivisi, kuko zabashyiriweho kandi zizabafasha mu nzira y’iterambere, ndetse no kongera ireme ry’uburezi, rikazafasha abayobozi b’ibigo kugira imicungire myiza y’umutungo w’ishuri”.

Abanyamuryango b
Abanyamuryango b’Umwalimu SACCO bavuga ko bagiye koroherwa no gusaba serivisi zinyuranye

Kuva Koperative Umwalimu SACCO yatangira bamaze gutanga inguzanyo y’Amafaranga y’u Rwanda arenga Miliyali 137, mu gihe kugeza mu Gushyingo muri uyu mwaka bari bamaze kunguka arenga Miliyali 12, naho umutungo wose wabo ukaba ari Miliyali 143Frw.

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Ibitekerezo   ( 2 )

Ni byiza kuba badutekerereza ibyiza bigamije kuduteza imbere tubona services mu buryo bwihuse.Ariko muzabatubarize ibi bibazo njya nkunda kwibaza.(1) Charges zikurwa kuri A/C y’umukiriya for the maintenance y’ibyo bikorwa remezo (ICT) n’ibindi,zimuha iyihe % ku mugabane-shingiro we at the end of the year? (2) Online credit uburyo basigaye bayihamo aba clients njye ntibukimfasha.Hari ubwo bayigushyiriraga muri system ukayifatira icyarimwe charges zikagabanuka,none basigaye bayikatamo uduce uduce dutuma charges ziyongera U-Sacco ika- accumulating interests kuri services zitaboneye bampaye.Kubera iki?Babisubije nka mbere.(3) Emergency kuri savings zanjye:Ubwizigame bwanjye nsanga butakagombye ubundi bwishingizi igihe ngiye gusabaho inguzanyo (assurance).Bagenzi banjye batatu baba banyishingiye kuri emergency nsanga bakabaye bahagije,ubundi frw ya assurance akatwa ku nguzanyo ya emergency akavaho kuko ari savings zanjye ni z’abagenzi banjye baba bangurijeho.(4)Interests U-Sacco impa ku mpera z’umwaka kuri savings zanjye nsanga ari nkeya cyane ugereranyije nizo bo banyaka ngiye kuzibasabaho inguzanyo ya emergency.Urwunguko U-Sacco iba yabonye kuri savings z’abanyamuryango rukwiriye kujya rugaragazwa at the end of the year hagakoreshwa itegeko rya Direct proportion (savings vs interests) rukagabanywa abanyamuryango.Babyumva bate bo? Murakoze.

RUMENERANGABO MOISE yanditse ku itariki ya: 29-12-2022  →  Musubize

Inyungu kubwizigame U SACCO itanga kumpera z’umwaka, ntabwo zijyanye na % ! Mbere bagenaga 7% y’ubwizigame , ariko maze kubigenzura iyi myaka 2; mbona batanga 4.6% , % batanga ni itihe?

2. Kuki U SACCO yo itaboneka mu mabanki ari Kuri *182*11# aho wakohereza cg ukohererezwa amakafanga nk’andi mabanki? Badusubize. Murakoze

Gaspard yanditse ku itariki ya: 3-01-2023  →  Musubize

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