Mu rwego rwo gukomeza guteza imbere imibereho y’abarimu no kubafasha kwagura imishinga ibinjiriza amafaranga arenze umushahara wabo, Umwalimu SACCO ku bufatanye na Banki y’Iterambere y’u Rwanda (BRD), yamuritse gahunda nshya y’inguzanyo igenewe abarimu bafite imishinga y’ubuhinzi n’ubworozi, cyangwa se abateganya gutangira iyi mirimo. Iyi gahunda ije mu gihe abarimu benshi bamaze kugaragaza ubushake bwo kugera ku iterambere rirambye, binyuze mu gukoresha imbaraga zabo n’ubumenyi bafite mu mushinga ufatika ushobora kubyara inyungu ihoraho.

Iyi nguzanyo nshya iri gutangwa binyuze muri CDAT Project ya BRD, ikaba ishobora kugera ku kigero cya miliyoni 600 Frw, bitewe n’uburemere n’ingano by’umushinga wa buri muyarimu. Ni uburyo bushya kandi buhendutse, buzafasha abarimu benshi kwinjira mu bikorwa by’iterambere bitanga inyungu nini, cyane cyane mu bijyanye n’ubuhinzi bw’imboga, imbuto, ibihingwa byera umusaruro wihuse ndetse n’ubworozi bw’amatungo magufi n’amaremare.

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Abarimu benshi barangwaga no gukenera inkunga yo gutangira cyangwa kwagura imishinga yabo, ariko bakagorwa cyane no kubona inguzanyo isaba ingwate nyinshi cyangwa ikagendera ku mushahara wabo. Umwalimu SACCO yabonaga ibibazo byinshi by’abanyamuryango bifuza imishinga y’ubuhinzi n’ubworozi ariko bakabura ubushobozi bwo kubona igishoro gihagije.

Iyi gahunda nshya rero ije ari igisubizo gikomeye kuko:

• Ntabwo inguzanyo ishingiye ku mushahara; bivuze ko umwarimu utagira umushahara munini cyangwa ufite izindi nguzanyo atazabangamirwa.

• Ukwishyura kuzava mu mushinga; bityo bikafasha ko amafaranga aboneka aturuka mu musaruro wateguwe neza.

• BDF izajya yishingira abafite ingwate idahagije; ibyo bikaba bifasha abarimu bose kubona amahirwe angana.

Ni ubwa mbere habonetse gahunda ifunguye kandi yorohereza umwarimu hafi ya buri rwego, yaba ufite umushinga munini cyangwa muto.

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Inguzanyo nshya ya UMWALIMU SACCO ifite byinshi biyihariye kandi bitandukanye n’inguzanyo zisanzwe abarimu bahabwaga.

1. Inyungu iri hasi cyane ku mwaka – 9% gusa

Ugereranyije n’inguzanyo nyinshi zo ku isoko, inyungu ya 9% ku mwaka ni nto cyane. Bituma umushinga ushobora kwishyura nta gitutu n’uburemere burenze, kandi bikagabanya igihombo cyangwa ibibazo by’amafaranga yisumbuye.

2. Gutangwa kugeza kuri Miliyoni 600 Frw bitewe n’Umushinga

Guhabwa inguzanyo igera kuri miliyoni 600 ni amahirwe atari asanzwe ku barimu. Ibi bizafasha kongera ibikorwa by’ingenzi nk’inyubako zo kororera amatungo, kugura imashini zikoreshwa mu buhinzi, gutangiza ubuhinzi bwa kijyambere, kugura ubutaka, n’ibindi bikorwa bisaba igishoro kinini.

3. Igihe kirekire cyo kwishyura – Imyaka 10

Igihe cy’imyaka 10 ni cyinshi bihagije ku mushinga w’ubuhinzi cyangwa ubworozi kugira ngo ube wiyubatse, worore amatungo, uhinze wunguka, ubone umusaruro uhagije, hanyuma utangire kwishyura neza utabangamiwe.

4. Umwarimu ahabwa amezi 6 atishyura (Grace Period)

Ibi bihabwa buri munyamuryango ufashe inguzanyo. Ayo mezi 6 amufasha gutangira imishinga ye, gutegura ibikorwa by’ingenzi, kugura ibikoresho cyangwa amatungo, gutunganya ibiti cyangwa imyaka, mbere y’uko inguzanyo itangira kwishyurwa.

5. BDF izajya yishingira abadafite ingwate zihagije

Ikibazo cy’ingwate cyari imbogamizi ikomeye ku barimu benshi. Muri iyi gahunda, BDF izajya yishingira abatarabasha gutanga ingwate zihagije. Ibi bikuraho inzitizi nyinshi kandi bigafungura imiryango ku mwarimu wese ufite igitekerezo cy’umushinga ufatika.

Ni Mwe Mishinga Iri Guhabwa Uruhare?

Iyi nguzanyo ireba imishinga y’ubuhinzi n’ubworozi itandukanye. Harimo:

• Ubworozi bw’ingurube, inka, intama, ihene n’inkoko

• Ubworozi bw’amafi

• Ubuhinzi bw’imbuto z’amoko yose

• Ubuhinzi bw’imboga n’ibindi bihingwa

• Ubuhinzi bw’ibihingwa byera neza ku isoko no mu gihe gito

• Imiti, intungamubiri, n’ikoranabuhanga rikoreshwa mu buhinzi n’ubworozi

Kubera ko iyi gahunda ari nshya kandi ifitiye akamaro abanyamuryango ba UMWALIMU SACCO, kwiyandikisha birihutishwa kugira ngo dosiye z’abifuza zoherezwe ku gihe.

Uwarimu wese uyifuza asabwa gutanga ibi bikurikira:

• Amazina ye yose

• Numero ya telefone

• Numero ya konti muri Umwalimu SACCO

• Umubare w’amafaranga y’inguzanyo yifuza

• Ibisobanuro ngufi ku mushinga we

Nyuma yo kwakira ibyo bisabwa, Umwalimu SACCO ikora urutonde rw’abafite inyota yo kwitabira gahunda, ikarushyikiriza abahagarariye buri murenge kugira ngo rugere kuri BRD hakurikijwe amabwiriza ya CDAT ku gihe.

Akamaro k’Iyi Nguzanyo mu Iterambere ry’Abarimu

Iyi gahunda izagira uruhare rukomeye mu guhindura ubuzima n’imibereho y’abarimu mu buryo bukurikira:

1. Abarimu bazabona ubwisanzure bwo kwinjira mu bikorwa by’iterambere

Kubera ko inguzanyo itagendera ku mushahara, umwarimu wese ashobora gutangira umushinga ufite inyungu nyinshi kurusha umushahara w’ukwezi.

2. Izafasha guhindura imishinga mito ikavamo iyinjiza menshi

Abatangiye utubariro duto tw’ibihingwa cyangwa amatungo bazabona uburyo bwo kwagura ibikorwa byabo ku rwego rwo hejuru.

3. Izazamura uruhare rw’abarimu mu bukungu bw’igihugu

Abarimu benshi ni bo bagize umubare munini w’abakozi mu Rwanda, bityo gutuma binjira mu mishinga y’iterambere bizatuma ubukungu bw’icyaro bukomera kurushaho.

4. Igihe kirekire cyo kwishyura gituma umushinga udaheranwa n’ibibazo

Imyaka 10 ni igihe kinini gikwiye gutuma imishinga y’Ubuhinzi n’Ubworozi yaguka neza.

5. Kwishyurira ku musaruro bituma nta gitutu kiba ku mushahara

Kuba kwishyura bituruka mu mishinga yawe bituma umwarimu atabura ubushobozi bwo kwita ku buzima bwe, umuryango we, ndetse no gukomeza imirimo ye ya buri munsi.

Abarimu barasabwa kwihutira kwiyandikisha, bagatanga ibisabwa byose, kugira ngo badacikanwa n’aya mahirwe adasanzwe ashobora guhindura imibereho yabo n’iy’abaturage muri rusange. Ubu ni uburyo bushya bwo kwinjira mu iterambere, kwaguka kw’imishinga, no gutanga imbaraga nshya mu buhinzi n’ubworozi bwa kijyambere.