Urubyiruko rwayobotse ubuhinzi n’ubworozi rurakangurira bagenzi babo kubyitabira

Yanditswe na

Malachie Hakizimana

26-05-2025 - 06:17' | Ibitekerezo ( )

Muri iki gihe urubyiruko ruragenda ruyoboka imirimo y’ubuhinzi n’ubworozi yakunze gufatwa nk’aho ari iy’abantu bakuru. Icyakora umubare w’urubyiruko ruyirimo uracyari muto, iyi ikaba imwe mu mpamvu abamaze kuyoboka iyo mirimo b’urubyiruko bashishikariza n’abandi kuyijyamo kuko yabafasha kwiteza imbere.

Urubyiruko rukora ubuhinzi n'ubworozi rugira bagenzi babo inama yo guhindura imyumvire bakitabira iyo mirimo kuko yabafasha kubona akazi no kwiteza imbere

Uwase Yvette wo mu Karere ka Rwamagana mu Ntara y’Iburasirazuba, asanzwe ari umworozi w’inkoko wize n’ibijyanye no kuvura amatungo.

Agira ati “Ubuhinzi n’ubworozi ni umwuga mwiza utarimo abantu benshi. Ndashishikariza urubyiruko bagenzi banjye kwitabira ubuhinzi n’ubworozi, ntibabitinye kuko kujya mu buhinzi cyangwa ubworozi ntibivuze ko uba usa nabi. Ntitubiharire abakuze bonyine, ahubwo natwe tubijyemo kuko ni ibyacu. Ntabwo biguhindura, urakomeza ukaba uwo wari we, ahubwo biguhindura mu buryo bwo kwiyongerera ubushobozi ukabikora kinyamwuga ukazamuka. Ubuhinzi n’ubworozi ni imyuga nk’iyindi yakugeza kure mu iterambere.”

Ku batabifiteho ubumenyi bagira impungenge zo guhomba, Uwase Yvette abagira inama yo kwitabira amahugurwa atandukanye atangwa yigisha ubuhinzi n’ubworozi ku buryo bazabikora kinyamwuga, kandi ntibabitinye ngo batekereze ko bizatuma basa nabi.

Naho ku bagaragaza imbogamizi z’igishoro, cyangwa se bagatinya guhomba, Uwase avuga ko biterwa cyane cyane no kujya buri bizinesi utayisobanukiwe.

Ati “Babanze babaze abantu babizi babihuguriwe babagire inama. Niba ushaka kujya nko mu bworozi ushobora kureba umuveterineri ubizi akakugira inama. Ku gishoro rero, ntabwo abantu bose batangirira hejuru, ushobora no gutangirira hasi ku nkoko eshatu ukazorora neza zikagera ku icumi, cumi n’eshanu,… ukagenda uzamuka gake gake. Watangiza igishoro ufite nk’amafaranga ibihumbi icumi, ushobora no gukora akandi kazi runaka kakaguha amafaranga ukayifashisha mu gutangira kwikorera.”

Uwase Yvette wo mu Karere ka Rwamagana (ari na we ugaragara haruguru ari mu bworozi bw'inkoko) avuga ko kuba urubyiruko rwakora ubuhinzi n'ubworozi bitababuza kugaragara nk'abasirimu, ahubwo ko byabateza imbere mu bukungu

Nyirahabineza Justine utuye mu Karere ka Musanze, we yirengagije abamucaga intege maze atangira ubuhinzi bwa kinyamwuga akirangiza amashuri yisumbuye mu mwaka wa 2018. Kuri ubu ahinga ibirayi, ibigori ndetse na karoti.

Hari abamusekaga, bakamubaza impamvu umubyeyi yamurihiye amashuri, none aho gushaka akazi akaba yarigiriye mu byo guhinga.

Ati “Jyewe kubera ukuntu nabikundaga nabonye ntakwicara ntacyo gukora mfite. Kubera ko nigiriye icyizere, niyemeje kubikora kandi nizeye ko bizangeza ku cyo nshaka.”

Uwera Rosine wo mu Karere ka Gisagara mu Murenge wa Mugombwa w’imyaka 21, we yoroye inkoko zisaga 500 ku buryo buri kwezi aturagisha imishwi isaga 400.

Uwo mukobwa yiga mu mwaka wa gatanu w’amashuri yisumbuye, akavuga ko atigeze ateza ibibazo ababyeyi be ababaza amafaranga y’ishuri.

Ati “Jyewe norora inkoko 500, kuko mba mu ishyirahamwe rifite imashini ituraga imishwi, jyewe ntabwo ndagira ubushobozi bwo kuyigurira. Igihe batarabona amagi ahagije yo kujyanamo, baranyemerera nk’umunyamuryango wabo nkashyiramo amagi yanjye ngaturagisha imishwi, mu minsi 21 imishwi iba imaze kuboneka ubundi nkayijyana ku isoko. Ku kwezi nshobora kuba mfite nk’imishwi 450 kandi agashwi kamwe ku isoko bakangurira ku 2,500 Frw nkagenda nkayabika muri SACCO. Ntabwo amafaranga nyavana mu mishwi honyine, ahubwo ngurisha n’ifumbire yazo.”

Umuryango Nyafurika uharanira guteza imbere Ubuhinzi (AGRA) ku bufatanye n’Umuryango Mastercard Foundation, biyemeje gushyigikira urubyiruko no kurushishikariza gukora ubuhinzi n’ubworozi, nk’uko bisobanurwa na Lucia Zigiriza, umukozi wa AGRA ushinzwe gukurikirana ibikorwa by’abafatanyabikorwa.

Ati “Turebye umubare munini w’Abanyarwanda ni urubyiruko rubarirwa muri 60%, ariko twareba abari mu buhinzi n’ubworozi ni umubare muto ugeze nko kuri 27% ugasanga ntabwo bihura. Niba abantu bakuze ari bo biganje mu buhinzi n’ubworozi kandi urubyiruko ari rwo rwinshi, birasaba ko tureba uburyo tubinjiza cyangwa se tubashyigikira mu bikorwa by’ubuhinzi n’ubworozi kugira ngo birusheho kwaguka, tugere ku ntego za Leta z’iterambere.”

Lucia Zigiriza, umukozi w'Umuryango Nyafurika uharanira guteza imbere Ubuhinzi (AGRA) avuga ko hamwe n'abafatanyabikorwa batandukanye, bagiye kurushaho gutera inkunga urubyiruko rukora ubuhinzi n'ubworozi kugira ngo barufashe kongera umusaruro no guhanga akazi

Ku byerekeranye n’imbogamizi urubyiruko rukunze kugaragaza yo kutabona inguzanyo ndetse no kutagira ubutaka, Lucia Zigiriza wo muri AGRA avuga ko bakurikije ibiganiro bagenda bagirana na Leta, hariho hamwe Leta igenda iha urubyiruko ubutaka rugahinga, umusaruro bavanyemo bakaba bawukoresha mu gukodesha ubundi butaka.

Ku bibazo bigendanye n’inguzanyo, ngo hari gahunda ihari mu ihuriro ry’abafatanyabikorwa ba Mastercard Foundation biciye muri BRD, hakaba harimo umushinga uzabafasha kugira ngo babone inguzanyo ku nyungu nto kugira ngo bakemure icyo kibazo cy’uko babona inguzanyo. Avuga ko hari n’abagaragaza imbogamizi zo kugeza umusaruro ku masoko, ariko ibyo byose bakaba bakomeje gufatanya kubikemura.

Ni no muri urwo rwego AGRA na Mastercard Foundation, bateguye umushinga ugamije gutera inkunga urubyiruko rukora ubuhinzi n’ubworozi mu gihe cy’imyaka itanu, kugira ngo habeho ibiribwa bihagije, ndetse ukazatanga akazi cyane cyane ku rubyiruko, abagore ndetse n’abafite ubumuga bakora ubuhinzi n’ubworozi babigize umwuga.