MICROFINANCE NA ZA SACCOÔÇÖS ishyamba si ryeru

 Ifaranga niryo musingi wa byose haba mu Rwanda cyangwa ku isi,ikaba ariyo mpamvu buri wese ahora ashakisha ubwo butunzi.Iyo bigeze mu bigo  by'imali biciriritse nka za Microfinance na za Sacco usanga bihabanye namwe mu mabwiriza aba yavugiwe ahantu hatandukanye.

                                  Rwangombwa Guverineri wa Banki nkuru  y' u Rwanda

Abanyarwanda bakomeje kwishimira  uko Perezida Kagame akomeje kuyobora u Rwanda cyane cyane mu gufungura amarembo ngo abashoramari baze gushora imari yabo mu Rwanda.Ibyo bigaragarira cyane mu bigo bishora imari zabo nko mu mabanki no mubigo bito ariko  byegereye abaturage bakunze kwita Microfinance.Aha twavuga nka : Equity bank Rwanda, Access bank, Ecobank, I&M bank, Leshigo Ltd, AB bank, Saager Ganza n'izindi ntarondoye hano.Mwigenzura twakoze dushaka kumenya niba koko abaturage bishimira service nziza bahabwa . Aha rero twasanze ahubwo abaturage batunga agatoki cyane cyane bimwe muri ibyo bigo ko icyo babazaniye ari cyane cyane ruswa kurusha service nziza kandi bakanatubwira ko aho ikoranabuhanga ryateye imbere mu Rwanda rwose bidakwiye ko umuturage adakwiye kuba agisiragizwa asabwa kuzuza dosiye burikanya kandi naho ari ashobora gutanga ibisabwa icya rimwe ahubwo akamenyeshwa ko amafaranga yahawe yageze kuri konti ntayandi mananiza.Abaturage batunze agatoki cyane bimwe muri izi banki bakavuga ko basabwa gutanga nibura hagati ya 1% na 5% by’inguzanyo basaba.Muri Saaga Sager batubwira ko baca gusa 500.000 frw hatitawe kungano yiyo nguzanyo.Batunga agatoki uwitwa Kitenge Boniface ushinzwe inguzanyo  ku cyicaro cya Equity bank, Paulin wo muri Lestigo Branch ya Kimironko ariko ubu waje kuri Branch ya Nyarugenge, Uyu Paulin ufite telefone no 0788309133 ngo niwe ugemurira  Bosi Mukuru witwa Joel ndetse numwungirije witwa Joy. Paulin twaravuganye nyuma anyoherereza ubutumwa bugufi bugira buti:Letshego ni registered institution regulated by BNR for any information uzaze ku wa mbere uzaze biri official dukorera kuri etage iri mu gakinjiro kwa Albert Supply House ukabonana n’umuyobozi wa Letshego Rwanda LTD amakuru barayatanga nta kibazo murakoze.Nyuma yiy’inyandiko narahageze banyima amakuru kugeza twandika iyi inkuru.Muri Saaga Sager  utungwa urutoki  Julien uyiyobora  ufite tel. no 0788479996 cyangwa Umudamu ushinzwe Credit.Lesthego yo ngo ikora ihimana aho baguha amafaranga atarengeje 37.500.000 ariko bakagusaba ingwate ikabakaba hafi 100.000.000 hakiyongeraho na ma cheque ubasinyira kandi binyuranyije n’amategeko y’u Rwanda.

Ku nguzanyo ya mbere ho rwose baranyaruka ariko iya kabiri ho iyo ntacyo wabahaye baragutinza ngo wibwirize bakaba bamara hagati y’ukwezi kumwe n’amezi 3.Ibi byose mugihe tubivuga, abaturage na bamwe mu bakozi batifuje ko tubatangaza amazina yabo kubera impamvu z’umutekano wabo badusabye ko twabakorera ubuvugizi mu nzego zitandukanye twandika akarengane kabo.Bamwe bati itangazamakuru rigera kure nko  mu nzego nkuru z’u Rwanda kimwe no ku nzego zishinzwe kurwanya ruswa n’akarengane, ndetse na Banki nkuru y’u Rwanda hakiyongeraho Polisi yo ishinzwe kugenza no gufata ba Rusiha Rusahuzi cyane ko iyi mikorere itabereye u Rwanda kandi yongera ubukene mu banyarwanda binyuranyije na gahunda ya Leta ahubwo yo  kubavana mu bukene.Rwose abaturage barisabira ko nyuma ya Referendum hakwiye ko Leta ibihagurukira nkuko habaye guca Nyakatsi.Bakaba basaba ko haba uburyo bwo kugenzura Ruswa muri Banki, Sacco na IMF.Mu minsi yashize kuri Radio y’igihugu haciyeho inkuru ivuga ukuntu muri za  Sacco habamo ikibazo cyimikorere idahwitse kugeza n’ubwo basabye  kwisubiraho.Aha haje no kuvugwa ko abambura za Sacco bajya baburanishwa n’urwego rw’abunzi kuko zitaragira ubushobozi bwo kwishyura ababunganira mu nkiko. Nyuma ya sacco  ahandi ni muri Coopedu ndetse no muri BK aho bavuga ko ihabwa umugabo wifite cyangwa ibikomerezwa bya FPR na company zabo.Iyo wibeshye gato ugatinda kwishyura uwitwa Laurent n’ikipe ye bagutumaho ba abahesha b’inkiko basangira inyungu ku ijana bagukuramo iyo bagutereje cyamunara.Aha bagakomeza kwibaza igituma banki zishishikazwa gusa no kugurisha Ingwate aho kwicarana n’umukiriya ngo barebe uburyo bamufasha kongera gukomeza ubucuruzi bwe  kuko ku’isoko bihora bihinduka.Ibi rero nibyo byatumye gahunda ya Hangumurimo itereranwa na BDF banyirimishinga bagahomba bitamaze kabili.Aha bakibaza niba RDB na PSFna Minicom ntabuvugizi bakora kuri iki kibazo cyane ko hambere abanyamahoteri bari bibasiwe cyane na mabanki.Ahandi batunga agatoki cyane ni muri BDF ko ho rwose bisa nkaho ntacyo ikora cyane ko aho gufasha abantu gukora imishinga muri “Kora Wigire” ahubwo usanga basigana n’abaturage n’amabanki.Umuturage wa Nyamirambo        witwa Ruberangeyo cyridion we yivugiraga ko mu Murenge atuyemo nta muntu wakubwira ko yafashijwe na BDF ndetse nta nintangarugero bagira mu Karere kabo ka Nyarugenge kuburyo bamwifashisha ngo nabandi bagane icyo kigo.Basanga Mifotra, , Minicom na BNR hiyongereyeho WDA na RCA bakwiye kwicarana bakavugurura imikorere ya kiriya kigo naho ubundi n’ikigo baringa Bulindi Innocent yiyoborera uko ashatse.Umwiherero w’abayobozi Bakuru b’Igihugu hakwiye ko iki kibazo bazakigarukaho kuko ubwiyongere bw’amabanki atari icyo gikenewe ahubwo hakenewe cyane uburyo abaturage boroherezwa kubona inguzanyo no gufashwa kwiga imishinga neza. Umwe ati:Ninde uyobewe inkubiri yo muri za 2000 ukuntu  amabanki yashingwaga agahita ahomba.RGB cyangwa Transperency Rwanda bakwiye gukora ubushakashatsi bw’imbitse kuri iki kibazo cyangwa se inzego zindi zifite ubuhanga bwo kugenzura no kugenza ibitagenda neza. Ninde uyobewe Sacco y'umurenge wa Jabana ihejeje abarimu mu kizima kubera agahimbazamusyi kabo kayinyuzwamo ntibakabone.Rwangombwa John uyobora banki nkuru y'igihugu amaze iminsi asobanura uko inguzanyo zigomba gusuzumwa zitabangamiye uwayatse kuko ntaho umuntu yaba agana.Bamwe mu baturage baganiriye n'ikinyamakuru ingenzi bakanga ko amazina yabo atangazwa kubera impamvu z'umutekano wabo badutangarije ko Sacco yugarijwe n'ibibazo by'ingutu byaburiwe igisubizo kuko ubitsamo amafaranga wajya kwaka ibihumbi ijana bakaguha mirongo itandatu,wajya kwaka ibihumbi mirongo itanu bakaguha mirongo itatu.Aha rero niho hibazwa na benshi  ku mikorere ya Sacco. Rwangombwa nasobanure niba Sacco zizakomeza gukorera mu kavuyo cyangwa bizahinduka hagatangwa servise nziza. Amwe mu makuru ava muri za Sacco yemeza ko abaziyobora bahabwa imyanya kubera aho baturuka .Ikimenyane nicyo kibangamiye  imikorere  mibi muri Sacco kuko abeshi bazikoramo nta kizimani baba bakoze mbere yo gutangira akazi.Ubu rero niba bikomeje kuba gutya ntaho Sacco yaba iganisha abaturage.Nsengumuremyi Ephrem