Guverinoma y’u Rwanda yatangaje ko iteganya gukoresha miliyari 2,6 Frw mu mwaka w’ingengo y’imari wa 2023/24, azafasha mu kurangiza umushinga wiswe ‘Cooperative Bank’ uhuriza hamwe Imirenge SACCO 416 yo mu gihugu.
Imibare ya Minisiteri y’Imari n’Igenamigambi [Minecofin] igaragaza ko kugeza ku wa 30 Mata 2023, imirenge 68 yari imaze guhuzwa mu buryo bw’ikoranabuhanga.
Ni mu gihe kandi hari indi 99 kuri ubu irimo gukorwa ku buryo nko muri Kamena 2023, izaba yararangiye.
Umushinga watangiye mu 2015, nyuma y’uko bitanzweho umurongo na Perezida Kagame wasabye ko Koperative Umurenge Sacco zakoresha ikoranabuhanga rizafasha abanyamuryango guhabwa serivisi aho bari mu gihugu.
Minisiteri y’Imari n’Igenamigambi igaragaza ko umushinga wose washowemo miliyari 7,8 Frw. Gusa hagiye habaho imbogamizi zitandukanye zatumye umushinga ugejeje iki gihe utararangira.
Mu mwaka w’ingengo y’imari wa 2022/23, hari hagenwe ingengo y’imari ya miliyari 3,5 Frw ariko kugeza ku wa 30 Mata 2023, hari hamaze gukoreshwa angana na 56%, ni ukuvuga hafi miliyari 2 Frw.
Umunyamabanga wa Leta muri Minecofin ushinzwe Imari ya Leta, Tusabe Richard, yagaragarije Abadepite bagize Komisiyo y’Ingengo y’Imari n’Umutungo by’Igihugu imbogamizi zatumye uyu mushinga utinda.
Ubusanzwe muri Gashyantare 2015, ni bwo Ikigo FinTech International Limited, cyahawe isoko ryo guhuza za Sacco ariko imyaka itatu cyari cyahawe yarangiye kitageze ku byateganywaga n’amasezerano y’isoko.
Mu Ukwakira 2018, ni bwo hatangajwe isoko rishya, kuri ubu abagera kuri bane ni bo bari gupiganira guhuza Koperative Umurenge Sacco.
Minisitiri Tusabe ati “Ubu twahisemo kwikorera umushinga dufite ikipe y’abahanga mu gukora ‘Software’, abahanga mu gusesengura ubucuruzi, icyaje kutugora ni ukubona abagenzuzi.”
Umunyamabanga wa Leta muri Minecofin ushinzwe Imari ya Leta, Tusabe Richard, yijeje ko guhuza za Sacco bigiye kurangira bidatinze
Depite Nyabyenda Damien yagaragaje impungenge z’uko gutinza uyu mushinga bigira ingaruka nyinshi, gusa ngo hakwiye kwitabwa cyane ku kunoza imirimo izakorwa ikazaba iramba.
Ati “Batugaragariza ko kuba iri kuri 56% byatewe n’uko software yabonetse ikerewe, hanyuma abagenzuzi na bo baboneka bakererewe.”
“Aha rero ni ho ngiriye impungenge yo kuvuga ngo niba software yarabonetse itinze, abagenzuzi na bo bakaboneka batinze, ni ukuvuga ngo igihe bari gufata cyagombye kwiyongera.”
Yakomeje ati “Numva bidakwiye ko akazi gakenewe kakorwa huti huti, numva ingengo y’imari yazakoreshwa n’iyo umwaka w’ingengo y’imari washira ariko hagakorwa akazi gake ariko kanoze.”
Kera kabaye, inzozi zigiye kuba impamo!
Minecofin iherutse guhamagarira abifuza kuba abakozi mu bijyanye n’ubugenzuzi [auditors] kugira ngo bafashe mu guhuza amakuru yose ari mu bitabo bya za Sacco kugira ngo abashe guhuzwa binyuze mu ikoranabuhanga.
Minisitiri Tusabe yavuze ko abakozi bakenewe muri ibyo bikorwa bagera ku 100 kandi hari icyizere cy’uko bazaboneka mu bihe bya vuba ubundi ibikorwa bikihutishwa.
Ati “Icyifuzo cyacu ni uko mu kwezi kwa Gatatu k’umwaka utaha tuzaba tumaze guhuza ku rwego rw’akarere […] tugiye kubyihutisha. Ibyo dukora turashaka ko biba ari ibintu birambye.”
Perezida wa Komisiyo y’Ingengo y’Imari n’Umutungo by’Igihugu mu Nteko Ishinga Amategeko, Umutwe w’Abadepite, Prof Munyaneza Omar, yavuze ko guhuza za Sacco bifite ingaruka nziza mu rwego rw’ubukungu.
Asobanura ko niba umuturage afite ibihumbi 5 Frw yabikije muri Sacco yo mu Karere ka Rubavu, akaba abonye andi 3000 Frw yagombaga kubitsaho, bitamushobokera kubera ko itike imugeza i Rubavu ubwayo irenga ayo mafaranga yaba afite.
Ati “Uwo biramusaba ko azasubira i Rubavu kubitsa ayo mafaranga kandi azakoresha tike irenze ayo yashakaga kubitsa, noneho natajya kuyabitsa i Rubavu arahita ayakoresha ibintu atateganyaga, ashire kandi wenda iyo ayabika yari kuzagenda yiyongera akaba yakoreshwa umushinga runaka.”
“Bitumye wa mushinga yateganyaga kuzakora iyo aramutse ayabitse gahoro gahoro atazawukora noneho iyo awukoze urumva atera imbere, iyo atawukoze ni ubukene nyine birumvikana.”
Perezida wa Komisiyo y’Ingengo y’Imari n’Umutungo by’Igihugu, Depite Prof Omar Munyaneza, yagaragaje ko guhuza za Sacco bifitiye inyungu ubukungu bw’igihugu
Abasesengura ibijyanye n’ubukungu bagaragaza ko iyo umuturage umwe ateye imbere bituma umuryango we utera imbere noneho bikaza kugera no ku gace atuyemo ndetse n’igihugu.
Depite Prof Munyaneza ati “Iyo umuryango umwe usubiye inyuma mu bukene birangira n’igihugu cyose gikennye. Ni yo mpamvu tuvuga ko Sacco zihujwe aho umuturage yajya aba ari hose kubitsa no kubikuza byamworohera kandi bizamura ubukungu.”
Imibare ya Banki Nkuru y’u Rwanda [BNR] yo muri Werurwe 2022, igaragaza ko Sacco zifite 39% by’umutungo w’ibigo by’imari bito n’ibiciriritse mu Rwanda.
Umutungo wazo ugeze kuri miliyari 177 Frw ukaba waravuye kuri miliyari 112 Frw mu 2017. Muri icyo gihe kandi inguzanyo zitangwa na Sacco zavuye kuri miliyari 41 Frw ubu zikaba zigeze kuri miliyari 69 Frw.