Iyi ngwate igizwe n’icyangombwa cy’umutungo utimukanwa uba ushobora gufatirwa mu gihe nyiri ukuyitanga bigaragaye ko yibye amafaranga ya SACCO. Abakozi ba zimwe muri SACCOs zo mu Karere ka Musanze zigaragaramo iyi mikorere, bagaragaza ko gusabwa izi ngwate bibagora kuzibona, kuko nk’abatagira imitungo bibasaba gushaka abishingizi, naho abafite amahirwe yo kugira izo ngwate ku giti cyabo bikabavutsa uburenganzira bwo kuba batabona uko basaba inguzanyo mu gihe badafite indi mitungo batatanzeho ingwate.

Ababwiye Kigali Today ibi ntibifuje ko amazina yabo atangazwa. Umwe muri bo yagize ati: “Hano muri Musanze turi abakozi benshi ba SACCOs dusangiye iki kibazo n’ubwo atari zose. Iyi ngwate igizwe n’icyangombwa cy’umutungo utimukanwa ukubaruyeho uba ugomba gutanga muri SACCO ukorera. Uretse kuba ibi tubifata nko kutatugirira icyizere, bitugiraho n’ingaruka zikomeye zo kuba uwagitanzeho ingwate nta bundi burenganzira busesuye aba akigifiteho mu gihe akiri umukozi w’iyo SACCO yagihaye; yewe no kuba yagisabiraho inguzanyo cyangwa kugikoresha mu zindi nyungu ze bwite ntibiba bigishobotse nyamara umutungo yarawuruhiye. Hari n’uwo usanga nta mutungo na mba yigirira, agasererezwa no gushakisha uwo kumwishingira yagira amahirwe yo kumubona akaba ari we ukimutangira, iyo amubuze nawe urabyumva byanamuviramo ingaruka zirimo no kwangirwa gukora, bakeka ko yakwiba amafaranga ntihaboneke uyishyura”.
Aho basabwa izi ngwate ngo zitangwa na buri mukozi kuva ku mucungamutungo(Manager) n’ibindi byiciro by’abakozi uretse abashinzwe gukora isuku bonyine ngo ni bo batarebwa n’iyi gahunda.

Ngo ni icyemezo cyafashwe kubera ko hari bamwe mu bakozi bagiye bagaragaraho imyitwarire yo kunyereza amafaranga, abandi bakaburirwa irengero nyuma yo kuyatorokana, bituma zimwe muri zo zishyiraho ubwo buryo ubuyobozi bwazo buvuga ko ari ubugamije guca intege uwashoboraga kugira igitekerezo cyo kwiba amafaranga y’abanyamuryango n’igihe bibayeho, byibura SACCO ikabona ubwishyu.

Ngo icyakora ibi bihabanye n’amabwiriza avuguruye ya Banki nkuru y’u Rwanda (BNR) kuko yo atemera ko hari umukozi wa SACCO wakwa ingwate yo muri ubu buryo. Umukozi ushinzwe amakoperative mu karere ka Musanze Uwimana Beline yagize ati: “Ntekereza ko ubu tutakabaye twumva umukozi wa SACCO wasabwe gutanga ingwate ngo abone uburenganzira bwo gukora kuko ubwo buryo bwakuweho n’amabwiriza avuguruye ya Banki nkuru y’u Rwanda (BNR). Niba hari aho bigaragara turabikurikirana, izo ngwate zisubizwe ba nyirazo, kuko bitabaye ibyo kwaba ari ukunyuranya n’ayo mabwiriza”.

Ahakoreshwa ubu buryo nibura umukozi uri ku rwego rw’umucungamutungo cyangwa umubaruramari atanga ingwate ifite agaciro katari munsi ya Miliyoni eshanu, ni mu gihe abandi bakozi basanzwe bo buri umwe ashobora gutanga ingwate ifite agaciro kari munsi gato y’ayo mafaranga. Ngo ni imyanzuro iba yarafashwe n’inama z’ubutegetsi z’aya ma SACCOs ku buryo bitoroshye kunyuranya na yo mu gihe nta bwiriza ryanditse riturutse mu rwego urwo ari rwo rwose ribuza izo SACCOs gusaba abakozi bazo ingwate.