Umwalimu SACCO imaze gushinga imizi nk’imwe mu nkingi zikomeye zifasha abarimu kwiteza imbere mu buryo burambye. Mu kiganiro cyahuje umunyamakuru Vincent, Umuyobozi Mukuru wa Umwalimu SACCO Bwana Laurence Uwambaje, ndetse n’abarimu bakoresha serivisi z’iyi koperative, hatanzwe ubuhamya bufatika bugaragaza uko iyi koperative yahinduye ubuzima bw’abarimu mu Rwanda mu buryo bugaragara. Uyu munsi Umwalimu SACCO yubatse icyizere mu barimu, muri gahunda zayo harimo kubaha inguzanyo ku nyungu iri hasi, kuborohereza kwizigama, no kubunganira mu mishinga y’ubucuruzi ibateza imbere.

Nk’uko Madamu Laurence Uwambaje yabisobanuye, Umwalimu SACCO yafashe Yashinzwe  ihagarara mu mwanya udasanzwe mu mateka y’iterambere ry’abarimu. Igitekerezo cyaturutse kuri Nyakubahwa Perezida wa Repubulika Paul Kagame mu gihe abarimu bahembwaga amafaranga make ku buryo ibigo by’imari byabashaga kubatera icyizere gike mu bijyanye n’inguzanyo zikazibima . Byari iminsi abarimu bafatwa nk’abantu badafite ubushobozi bwo kwishyura, bityo amabanki akabima inguzanyo.

Mu rwego rwo guhindura iyo mibereho mibi, Leta yashyizeho gahunda irambye yo kubakira umwarimu urwego rwihariye rwamufasha kugera ku mabanki no kubona inguzanyo mu buryo bworoshye. Mu 2006 hatangiye gahunda yo gushyiraho Umwalimu SACCO, ariko byemewe mu buryo bwemewe n’amategeko mu mwaka wa 2008 ari bwo yaherewe uburenganzira bwuzuye bwo gukora nk’ikigo cy’imari gikorera abanyamuryango bayo.

Icyo gihe koperative yatangiranye abanyamuryango 12,000 gusa n’amashami 12. Nyuma y’imyaka irenga 15, Umwalimu SACCO ubu imaze kugira abanyamuryango barenga ibihumbi ijana namirongo itatu ( 130,000) n’amashami 30 ari mu turere twose tw’igihugu. Uyu ni umubare munini ugaragaza uko abarimu bagiye bayigirira icyizere.

By’umwihariko, hagiye hashyirwaho uburyo bw’ikorana buhanga butuma umwarimu abasha kubona serivisi zayo atarinze kujya ku ishami. Ubu serivisi nyinshi ziboneka kuri USSD, mobile banking, na MIS ifasha koperative gukorana n’abanyamuryango bayo mu buryo bugezweho kandi bwihuse.

Iyo yabazwaga niba kuba umunyamuryango ari itegeko, Bwana Uwambaje yasobanuye ko atari ngombwa kubibazwa n’amategeko; ahubwo Umwalimu SACCO ikora ubukangurambaga mu barimu kugira ngo bayigane kuko aribo babyungukiramo cyane. Kuba umunyamuryango bivuze kugira uburenganzira bwo kubona inguzanyo ku nyungu iri hasi kandi ukabona amahugurwa ku mishinga y’iterambere.

Ubuhamya butangwa n’abanyamuryango bayo burabigaragaza. Umwarimu Emable, ukorera mu Karere ka Bugesera, avuga ko Umwalimu SACCO yamubereye inzira y’iterambere. Yatangiye gukorana na koperative mu mwaka wa 2016, afungura konti n’amahitamo yo kugana serivisi zayo nubwo atahise yemererwa inguzanyo muri uwo mwaka w’igeragezwa. Nyuma y’umwaka umwe yahawe inguzanyo ya miliyoni nibihumbi maganabiri (12000,000), ayagenera umugore we kugira ngo batangire umushinga wubucuruzi .

Muri 2018 amaze kwishyura neza  nubwo inguzanyo atarayimazemo , yahise yemererwa indi nguzanyo ku buryo yaje kugura ikibanza no kubaka inzu ebyiri. Ubu Emable yemeza ko ageze ku rwego rwiza rw’iterambere abikesha serivisi za Umwalimu SACCO. Abivuga yisanzuye ko ntaho yageraga abikesha indi banki kuko uburyo bw’inguzanyo bwari buhenze kandi bumusaba inguzanyo z’ingwate zitoroshye kubona.

Mu mwaka wa 2022, Leta yazamuye imishahara y’abarimu, ibintu byafashije cyane Umwalimu SACCO ndetse n’abarimu ubwabo. Umuyobozi Mukuru Uwambaje avuga ko inguzanyo umwarimu yemererwaga mbere yari nto kugeza ubwo umushahara wazamuwe none kuri ubu iyo nguzanyo yashoboye kwikuba kabiri.

Ubu umwarimu arahugukira amafaranga ari kuri konti ye kuko Umwalimu SACCO yateye intambwe mu ikoranabuhanga. Ikintu cyahoze kibahangayikishije cy’ukwezi kose amafaranga ataragera kuri konti cyabaye amateka kuko ubu amafaranga y’umushahara aboneka ku gihe kandi umwarimu abasha kuyakoresha ako kanya.

Umwalimu SACCO yubatse gahunda yihariye yo gufasha umwarimu kwiteganyiriza amashuri y’abana be. Gahunda ya Nzigamira Nige ituma umwarimu abazigamira guhera ku mafaranga 500 ku kwezi, akazayifashisha kwishyura amafaranga y’ishuri (minerval) y’umwana uko imyaka ishira. Buri mwaka abarimu babitsa muri iyi gahunda amafaranga arenga miliyari 6, ibintu bigaragaza ko umwarimu arimo kwiyubakira ejo hazaza heza n’iry’abana be.

REBA IKIGANIRO CYOSE HANO

https://youtu.be/dt3LWBTroE0?si=dXPxiL2whLrp5duv

Mu cyumweru cyahariwe serivisi nziza ku bakiriya, Umwalimu SACCO yerekana urukundo rudasanzwe ifitiye abanyamuryango bayo. Bwana Uwambaje yavuze ko uyu munsi ayo mabanki yafataga abarimu nk’abantu baciriritse ubu aribo bifuza kobakorana, bitewe n’imiyoborere myiza, ubwizerwe, na serivisi zinoze Umwalimu SACCO imaze kubaka. Umwalimu SACCO kuri ubu ifatwa nk’ikigo cy’imari gihanze amaso iterambere ry’igihugu kuko gikorera itsinda rifite agaciro gakomeye: abarimu.

Inyungu ku nguzanyo muri Umwalimu SACCO iri hejuru cyane mu ruhande rw’abanyamuryango kuko Leta ifasha iyi koperative binyuze muri miliyari 26 y’inkunga idasubizwa. Iyo nkunga ifasha gushyira hasi igipimo cy’inyungu ku nguzanyo, ari nayo mpamvu umwarimu yishyura 11% mu gihe amabanki menshi asaba hagati ya 17% – 19%.

Abarimu batari aba reta  gusa bakaba  abanyamuryango  bo bishyura 14%, mu gihe abarimu bo baherwa ku nyungu ntoya kubera gahunda yo kubashyigikira mu iterambere ryabo.

Mu buhamya bwa Emable, yemeza ko Umwalimu SACCO yatumye amafaranga ye agira umumaro kuko kuguma kuri konti atayakoresha bituma yunguka kandi akabona ubufasha mu gihe akeneye inguzanyo.

Umwarimu SACCO ifite ubwoko butandukanye bw’inguzanyo zifasha abanyamuryango mu buryo bwihuse, harimo:

• Overdraft – inguzanyo yihuta umunyamuryango ashobora kubona ako kanya binyuze kuri telefoni.
• Emergency Loan – amafaranga ahabwa umwarimu mu gihe cyihutirwa  ashobora kubona ako kanya binyuze kuri telefoni.
• Salary Advance – ayamafaranga umwarimu ayahabwa ku munsi abisabye igihe yujuje ibisabwa.
• Long-term Loan – inguzanyo z’igihe kirekire zirenga imyaka itanu, zifasha mu bikorwa binini nko kubaka amazu yo aboneka muminsi itarenze ine .

Nubwo serivisi zoroheje, hari imbogamizi zimwe abarimu bagihura nazo harimo kubura abishingizi. Gusa Umwalimu SACCO isobanura ko kubasaba abishingizi ari uburyo bwo kwirinda igihombo gishobora kuzahaza abanyamuryango bose. Iyo umwarimu afashe inguzanyo akayikoresha nabi, ingaruka zagera kuri koperative yose. Ni yo mpamvu hakenerwa ingwate ndetse n’abishingizi mu rwego rwo kurinda umutungo rusange.

Iyo umugabo cyangwa umugore w’umwarimu yanga kumusinyira ku nguzanyo yo mu bwishingizi bw’urugo, Umwalimu SACCO irabyubahiriza kuko amategeko y’ivangamuntu asaba ko amafaranga akoreshwa mu rugo agira uruhare rwa bombi. Byagaragaye ko hari abashakanye batazi ko inguzanyo imwe ishobora guteza ibibazo mu rugo rwose, bityo iyi gahunda ifasha families kubungabunga umutekano w’imari.

Umwalimu SACCO ntitanga inguzanyo gusa; ahubwo inaha amahugurwa abanyamuryango bayo. Buri mwaka isura abafashe inguzanyo, ikabaha inama ku mishinga yabo kugira ngo irusheho gukura. Ibi bituma inguzanyo nyinshi zishyurwa kandi ibikorwa bifashwa bikagera ku ntego.

Kuri ubu Umwalimu SACCO ikata 5% ku mushahara w’umwarimu buri kwezi, aya akaba ari yo soko y’ubwizigame bushingirwaho mu kubona inguzanyo. Aya mafaranga nayo yungukira abanyamuryango bityo umwarimu akagira inyungu ebyiri: kwizigamira no kwemererwa inguzanyo y’igihe kirekire.

Umuyobozi Mukuru Uwambaje ashimangira ko Umwalimu SACCO igamije gukomeza kuba umufatanyabikorwa ukomeye mu iterambere ry’abarimu no guteza imbere urwego rw’uburezi mu Rwanda.