Guhera muri 2020 Koperative Umurenge Sacco ziratangira gukoresha ikoranabuhanga

Guhera mu ntangiriro z'umwaka utaha, ibigo by'imari bito n'iciriritse bizwi nka micro finance bitakoreshaga uburyo bw'ikoranabuhanga birimo na Koperative Umurenge Sacco bizatangira kurikoresha. Kutarikoresha byatumaga abakiriya bamaze kuzigiramo amafaranga bahitamo kugana amabanki y'ubucuruzi.

Hashize imyaka hafi 15 hashyizweho ibigo by'imari bito n'ibiciriritse bikaba bimaze kuba 457 bivuye kuri 32.

Abakorana n'ibi bigo by'umwihariko Umurenge Sacco kimwe n'abatanga izi serivisi bavuga ko kuba ibi bigo byaregerejwe abaturage byatumye serivisi z'imari zirushaho kubegera.

Uwanyirigira Claudine, utuye mu Karere ka Gasabo yagize ati ‘‘Niba mfite abasecondaire 4 biramfasha, ndaza nkaka amafaranga nkibashyurira bakajya ku mashuri nkasigara nshakisha uburyo ngenda nishyura. Bose bariga ntabwo bahagarara kandi hari Sacco dushyiramo amafaranga yacu tugomba kuza bakatuguriza.’’

Nsengiyumva Simon, umucangamutungo w’Umurenge Sacco Kinyinya avuga ko Umurenge Sacco ifasha abantu batabasha kugana izindi banki.

Yagize ati ‘‘Sacco ifasha na ba bandi batoya badashobora kwakirwa na banki z'ubucuruzi, ikabaha inguzanyo, n'uburyo bwa distance kuko kugera kuri izo banki bibasaba amatike ariko Sacco kuko iri ku murenge iwabo ibaha serivisi batabanje kuvunika.’’

Imibare y'ihuriro ry'ibigo by'imari bito n'ibiciriritse (AMIR), yerekana ko kugeza mu mwezi kwa 6 uyu mwaka umutungo w'ibi bigo wari miliyari 313 uvuye kuri miliyari 279 mu mezi 6 ya mbere y'umwaka ushize bisobanuye ko wiyongereyeho miliyari 34. Byongeye kandi inguzanyo zimaze gutangwa n'ibi bigo zigeze kuri miliyari 167,2.

Umuyobozi Mukuru wa koperative umwarimu Sacco, Uwambaje Laurence ashimangira ko kuba haragiyeho ikigo cy'imari cyihariye ku barimu basaga ibihumbi 74 byarabafashije kwiyumvamo inyota yo gukorana n'ibigo by'imari.

Yagize ati ‘‘Igihe Umwarimu Sacco wamaze kujyaho buri wese yabaye obliged yo kuza guhemberwa mu mwarimu Sacco na we akaza agana banki ye nta pfunwe afite kuko ari buhahurire na bagenzi be bareshya cyangwa bahuje ibibazo. Ikindi gikomeye cyabayeho ni uko yahabwaga serivisi wenda z'inguzanyo ku nyungu ya 18% nk'abandi ariko aho Sacco iziye inyungu yaramanutse igera kuri 11%.’’

Muri rusange igipimo cy'inguzanyo zitishyurwa neza (Non-Performing Loans) mu ibi bigo by'imari bito n'ibiciriritse kigenda kigabanuka kuko nk'ubu cyari kuri 6.7% mu mezi 6 ya mbere y'umwaka wa 2019 mu gihe mu gihe nk'icyo mwaka wa 2017 cyari hejuru ya 12%.

Mu ntangiriro z'umwaka utaha ibigo by'imari bito n'ibiciritse bizatangira gukoresha ikoranabuhanga ryifashishwa mu mabanki y'ubucuruzi ku buryo aho uri hose ushobora gusaba seririvisi za banki utarinze kujya aho wafungurije konti.

Umuyobozi Mukuru wa AMIR, Aimable Nkuranga, asezeranya ko politiki yo guhuza koperative Sacco, kuzikoreshamo ikoranabuhanga bizakemura ibibazo byinshi birebana no gutakaza abakiliya no gukorera mu mucyo.

Yagize ati ‘‘Tuvuge niba ari umuntu utangiye aguza ibihumbi 200 ejo akabyishyura neza akaguza miliyoni, iyo atangiye kwinjira muri 5 cyangwa 10 aba yaruse ya Sacco yo ku murenge akenshi yahitaga atwarwa n'amabanki; ariko uko kwihuza ku rwego rw'akarere nibwira ko zizaba zigumana abantu zirereye. Hari ama Sacco azakorerwamo igerageza ry'iryo koranabuhanga noneho ibibazo bibonetsemo bigakosorwa noneho mu ntangiriro z'umwaka utaha n'andi azahabwa iryo koranabuhanga.’’

AMIR kandi ishimangira ko mu gihe kiri imbere ibi bigo bizashyiraho ikigega byakwakamo  amafaranga ashobora kwifashishwa mu kongera igipimo cy'inguzanyo  kuko amafaranga ibi bigo bikoresha biyaguza  muri banki zo hanze kandi akaba ahenze. Ibi bigo ariko ngo binakeneye kuyoborwa neza kugira ngo bye guhombere ababifitemo imitungo.

Inkuru mu mashusho

Jean Claude Mutuyeyezu