Umushinga wo guhuza SACCO mu byabaye agatereranzamba bitegereje umuyobozi mushya wa RCA

Amakoperative afatiye runini ubukungu bw’igihugu kuko mu nzego zitandukanye zirimo ubuhinzi, ubucuruzi, ubwikorezi uyasangamo ndetse harimo n’amaze kugera ku ishoramari rikomeye.

Mu ntangiriro z’umwaka ushize, RCA yavugaga ko mu Rwanda habarirwa amakoperative agera ku bihumbi 10 afite abanyamuryango barenga miliyoni eshanu, imari shingiro ya miliyari zigera kuri 53 n’ubwizigame bwa miliyari 108 z’amafaranga y’u Rwanda.

Gushyiraho umurongo w’imikorere ihamye y’amakoperative byatangiye mu 2009 hagamijwe inyungu z’abayakoreramo nka rumwe mu nzego zitanga akazi kuri benshi mu bikorera.

Mu bice bitandukanye by’igihugu amakoperative yatumye hari abatinyuka kwinjira mu bikorwa by’ishoramari rikomeye nk’inzu z’ubucuruzi, amasoko ya kijyambere n’ibindi.

Nubwo bimeze bityo ariko, ibibazo bikoma mu nkokora intumbero yo gukorera hamwe ntibibura gukomeza kumvikana hamwe na hamwe, ubuyobozi bushya bw’uru rwego buzaba busabwa guhozaho ijisho.

Ikoranabuhanga mu micungire ya Koperative Imirenge SACCO

Banki Nkuru y’Igihugu (BNR) igaragaza ko kuva SACCO zashyirwaho zakomeje kugenda zongera umubare w’abaturage bagana serivisi z’imari n’abafunguzamo konti. Aya makoperative yo kuzigama no kugurizanya yabarirwaga 39% by’umutungo w’ibigo by’imari bito n’ibiciriritse mu Rwanda. Ni Umutungo wari ugeze kuri miliyari 177 Frw ukaba waravuye kuri miliyari 112 Frw mu 2017.

Inguzanyo zatangwaga na SACCO zavuye kuri miliyari 41 Frw zigera kuri miliyari 69 Frw nk’uko imibare yo muri Werurwe 2022 ibigaragaza.

Hagamijwe kunoza serivisi, mu 2014 Perezida Kagame yasabye ko Imirenge SACCO yose ihuzwa binyuze mu ikoranabuhanga igahinduka ‘Cooperative Bank’. Wari umushinga wo kuzihuza ku buryo umuntu wabikije amafaranga mu Murenge umwe ashobora kuyabikuza mu wundi.

Wagiye utinda gushyirwa mu bikorwa nk’uko Guverineri wa Banki Nkuru y’u Rwanda, John Rwangombwa aherutse kubibwira abagize Inteko Ishinga Amategeko.

Amakuru ahari avuga ko SACCO zo mu Mujyi wa Kigali zamaze guhuzwa hakaba hagiye gukurikiraho uturere twa Gicumbi na Rubavu.

Rwangombwa yavuze ko igitekerezo gihari ari uko batazategereza igihugu cyose ahubwo aho bimaze gukorwa nko mu karere kamwe bazajya bahuza iyo Mirenge yose hanyuma bikazakorwa ku gihugu cyose nyuma.

Mu gihe ikoranabuhanga ryaba rihawe rugari ngo biri mu byaca intege abagerageze kuziba kandi bikihutisha serivisi biganisha ku nyungu z’abanyamuryango.

Abashaka kugira koperative uturima twabo

Mu bibangamira imikorere y’amakoperative mu Rwanda harimo no kuba bamwe mu bayobozi bigarurira umutungo wayo abanyamuryango bagasigara baririra mu myotsi ntibabone inyungu z’ibikorwa byabo.

Iki kibazo cyagiye gituma benshi bacyura umunyu ariko RCA ivuga ko yagihagurkiye ifatanya n’amakoperative cyabonetsemo bityo abayobozi babi bakavanwaho ndetse bagakurikiranwa ku mitungo banyereje.

Itegeko rishya rigenga amakoperative ryo mu 2021 riha inshingano RCA zirimo gutuma Abanyarwanda bagirira icyizere gukorera mu makoperative binyuze mu bukangurambaga n’ubugenzuzi kugira ngo aho bitagenze neza bikosoke hakiri kare.

Hari kandi gushyiraho amabwiriza no gufasha amakoperative kubahiriza amabwiriza ayagenga, kongera ubumenyi no kubaka ubushobozi bw’abanyamuryango b’amakoperative.

Impuguke mu bukungu, Habyarimana Straton, yabwiye IGIHE ko kuba amakoperative menshi ayoborwa nabi biyagusha mu bihombo bikomeye, bishobora gutuma abanyamuryango batagira icyo bayungukiramo.

Umwe mu ba koperative yo mu Karere ka Muhanga yabwiye IGIHE ko koperative yabo yahoragamo umwiryane biturutse ahanini ku bayobozi batumvikanaga.

Gushyigikira amakoperative arenga 120 yarahombejwe na Covid-19

Icyorezo cya Covid-19 cyagize ingaruka no ku bikorwa by’amakoperative ku buryo cyasize agera ku 128 ahombye ku buryo kugira ngo yongere gusubukura ibikorwa byasabaga ko abona inkunga mu kigega nzahurabukungu.

Icyiciro cya mbere cy’iki kigega cyarimo miliyari 105 Frw zakoreshejwe mu kuzahura ibyiciro bitandukanye byahungabanyijwe n’icyorezo cya COVID-19. Mu Cyiciro cya kabiri, Guverinoma yongewemo miliyoni $250 muri Gicurasi 2022.

Gufasha mu ikurikiranwa ry’amadosiye y’abanyereje umutungo w’amakoperative

Mu bayobozi n’abandi barimo abacungamutungo bagera kuri 442 bagiye bacunga nabi imari y’amakoperative bakurikiranywe n’ubutabera kandi kugeza mu mwaka ushize harimo abo ibyabo byari bitarasobanuka.

Icyo gihe habarurwaga agera kuri miliyari enye z’amafaranta y’u Rwanda yari ataragarurwa mu agera kuri miliyari 10 Frw yabarwaga mu 2020.

Kugeza ubu inshingano zo kuyobora Urwego rw’Igihugu Rushinzwe Amakoperative zahawe by’agateganyo Pacifique Mugwaneza wari usanzwe wungirije umuyobozi mukuru. Afite impamyabumenyi ya “Masters” mu bijyanye na politiki y’imicungire y’ubukungu yakuye muri Kaminuza ya Auvergne University – Clermont Ferrand, mu Bufaransa n’iy’Icyiciro cya kabiri cya kaminuza mu bya “ Economic Sciences: Money and Banking” yakuye muri Kaminuza Yigenga ya Kigali.

Yabaye mu nama y’ubutegetsi y’Ikigo cy’Ingoro Ndangarurage z’u Rwanda kuva mu 2016 kugeza muri Nzeri 2020. Yanakoze muri Minisiteri y’Imari n’Igenamigambi kuva mu 2008 kugeza mu 2018 afite inshingano zitandukanye. Kuva mu 2006 kugeza mu 2008 yari umukozi ushinzwe inguzanyo mu Agaseke Bank (yahindutse Bank of Africa) ndetse yakoze no mu zindi nzego zitandukanye.

SOURCE : igihe.com