Itangazo riherutse gusohorwa na Cooperative Umwalimu SACCO ryazamuye amarangamutima akomeye mu barimu bo hirya no hino mu gihugu, kugeza ubwo bamwe bifuje ko ikibazo cyabo kigera ku rwego rwo hejuru, ndetse bagasaba H.E Paul Kagame, Umukuru w’Igihugu, ko ari we wenyine wabasha gukemura iki kibazo cyabo kivugwaho n’abarimu benshi mu buryo budasanzwe.
Nyuma y’iriya ngingo y’uko SACCO iri gukora ubushakashatsi bwo kureba uko ubwizigame bwava kuri 5% bukagera kuri 8%, bamwe mu barimu bahise babifata nko kubahatira kwiyongera ku bwizigame batabanje kubiganiraho cyangwa kubifataho umwanzuro.
Mu minsi mike yashize, ku mbuga nkoranyambaga hacicikanye amabaruwa, amashusho, ibitekerezo, n’ubuhamya bitandukanye by’abarimu bamagana iki cyemezo, bashingira ku bintu byinshi by’uko uburyo SACCO inyuramo mu gutangaza cyangwa gushyiraho politiki nshya butabanyuze nk’abanyamuryango bayo.
Impamvu Abarimu Bumvise Bababaye: babyise “Kubafatirana”
Abarimu benshi bagaragaje ko babuze umuntu ubahagararira mu rwego rwo hejuru, kuko uko bagenda bataga ibitekerezo usanga bibanda ku gukorerwa ubuvugizi nabayobozi bakuru, amabanki, inzego za leta n’ibindi bigo bifite aho bihurira n’imari n’imicungire y’abakozi ba leta.
Bamwe nk’uko babivuze amagambo yabo uko yakabaye bagize bati :
Iradukunda Celestin niwe wabimburiye abandi mu kugaragaza ko atishimiye igitutu cya cooperative, agira ati:
“H.E @PaulKagame mba mbona ikibazo kigitugu cya mwarimu SACCO ariwe wagikemura badusinyishije form batubwira ko wayisinya utayisinya guhera mu kwa mbere ubwizigame bisaba biri ku 8% none ngo muri mu bushakashatsi ese ubwo bwizigame muduha tubwungukiye inyungu zumurengera nubwizigame.”
Akomeza avuga ko:
“babasinyishije form baba bwirako bayisinya batayisinya amafaranga bazakatwa azaba ari 8%…ubwizigamire batanga bakabwungukira inyungu nabwo ntacyo bwabagejejeho.”
Murwana Theobard we yagize ati:
“Abanyamuryango benshi bahisemo umwanzuro runaka, ko muri cooperative icyo bahuriyeho ari #capital share mushingira Kuki mugena ibikorerwa kuri #salary y’umuntu mugihe we atabyemera? Salary nayose yabaye capital share muri cooperative”.
Nkunda urwanda we yatanze igitekerezo ariko akagabwaho igitero Yagize ati:
“Umwalimu sacco utanze amakuru meza, nashake azabe 10% akatwa ariko umunyamuryango ukeneye inguzanyo ahabwe inguzanyo ifatika cyane cyane inguzanyo yo ku mushahara, byibuze umu A2 agahabwa 3M naho umu A0 agahabwa 5M…”
Ganza Gustavo nawe ati:
“Kwizigamira byogera ubutunzi gute kd umuntu atagira icyo amaza ubwizigame bwe cyagwa ngo bumugoboke igihe abukeneye niyo mubumuhaye mumwaka inyungu kd ari ubwizigame bwe???”
Impamvu Zitangwa n’Abarimu batishimiye cooperative yabo
Bamwe mu barimu batanga impamvu zitandukanye zituma batishimira iki gitekerezo cyo kongera ubwizigame:
- Amategeko yayo ashyirwaho hatabayeho kubyunvikane numucyo
Abandi bavuga ko SACCO ibashyiriraho amategeko batabajijwe, kandi ari bo bahembwa amafaranga binyuzwa muri yo.
- Serivisi zitanoze
Hari abagaya serivisi za cooperative Umwalimu SACCO bavuga ko:
“system zabo zikunda gupha nko gukura amafaranga kuri account yawe bikanga bigasaba ko ukoresha amafaranga y’umurengera wakoresha e- kash nayo itizewe neza cyangwa bikagusaba gutega ukajya kuri bank nayo imwe muri burikarere”.
- Inguzanyo zidahagije kandi zifite ingwate ntizisobanutse
Hari uvuga ati:
“kuba cooperative yabo itabaha amafaranga menshi kandi batanze abishingizi we abonako ari ikibazo”.
- Abishingizi bamwe bababera umutwaro
Hari abifuza ko abishingizi bavaho, kuko hari abo babera umutwaro ugasanga abantu batabona inguzanyo nubwo bakora kandi bakakatwa nk’abandi.
Intwaro Abarimu Bari Niyihe ?
Abarimu bakomeje gushyira ibitekerezo ku mbuga nkoranyambaga nka X (Twitter), Facebook, WhatsApp groups, bagerageza gusobanura ibibababaje no kugaragaza igitutu bafite.
Uwitwa Aphorodisi yagize ati:
“Ariko ubundi @MwalimuSacco ubwo buryarya nk’ubwa Bakame n’ingeragere buvahe? Umwarimu ni umuntu wayoberwa ibimufitiye akamaro?”
Dore bimwe mu bitekerezo byinshi byagiye hanze ukobyanditse naba nyirabyo
- Ntubakumwe yagize ati :
“kimwe mubyo mukwiye kwihutira gukemura ni imbogamizi ziri mukuvana amafaranga kuri konte ajya kuri momo! hirimo ibibazo byinshi munoze systeme rwose.”
- Benignant Peter yagize ati:
“Ntabwo gukora ubushakashatsi Utera abantu ubwoba ngo basinye bifite Aho bihuriye.”
- Amos walinora yagize ati:
“Nigute mwankata amafaranga atazagira icyo amarira??? Ibiciro birikwiyongera mwebwe mwarangiza mukagabanya umushahara wacu???”
- Orientation yagize ati:
“Mobile banking yarananiranye none ngo murashaka gukomeza mudutwara amafaranga ngo ni saving.”
- Kelvin yagize ati:
“Ahubwo se arazigama iki? Mugabanye akajagari kinguzanyo nyinshi zivemo imwe.”
- Bizimana Sage yagize ati:
“Hari manager wavuze ko abarimu babyemera batabyemera 8% uzakatwa!”
ITANGAZO RY’UMWALIMU SACCO RYAVUZE IKI?
Umwalimu SACCO yasobanuye ko ikoza ubushakashatsi, atari ugukata amafaranga. Bahumurije abanyamuryango ko:
- nta mwalimu uri gukatwa 8% ubu,
- nta cyemezo kirafatwa,
- ubushakashatsi nibwo bugomba kubanza gutanga umusaruro.
Hakizimana Gaspard yasobanuye ko:
“amahitamo yose azashingira ku nyungu z’umwalimu n’iterambere rya Koperative.”
Nk’ubusesenguzi ku rwego rw’itangazamakuru ryimbitse, ibi bintu byombi bikwiye kurenganurwa:
- SACCO ikwiye gushyiraho uburyo buhamye bwo gutanga amakuru
- Gutanga ibisobanuro bitari mu magambo rusange,
- Gusubiza ibibazo by’abarimu ku mugaragaro,
- Kwerekana imibare ifatika: Ese 8% izafasha iki? Izazamura inguzanyo bingana iki? Ku wuhembwa 20,000/uko, ubuzima bwe buzahinduka?
- Gushyiraho uburyo bwo kwitabira gukora politiki (participatory policy-making)
Abarimu bagomba kubazwa:
- Ese barabyemera?
- Ese babishaka ku bushake?
- Ese babona inyungu bavanamo izo ari zo?
- Kongerera abarimu inguzanyo ifatika
Iki ni cyo kintu cyibandwaho mu bitekerezo byinshi.
Abarimu bavuga ko bazigama ariko ntibahabwe amafaranga abafasha guhindura imibereho yabo.
- Gukemura ikibazo cya system na mobile banking
Iki ni ikibazo gikomeye cyagarutsweho na benshi.
SACCO ikwiye gukora:
- Uvugurura za system,
- Guhuza neza na MTN/MoMo na Airtel Money,
- Kwerekana ibikorwa bifatika byo gukemura ibibazo bya buri munsi.
- Abishingizi bagomba kongererwa uburyo cyangwa kuvugururwa
Bamwe bababera umutwaro, abandi bakabura ingwate.
Harakwiye uburyo bushya bwo kwemeza inguzanyo butagombera abishingizi bo mu buryo bwa kera.
- Gushyiraho uburyo bw’ubwisanzure: Ushaka 8% ayemere, utabishaka yisigarire kuri 5%
Iki ni cyo cyagarutsweho na benshi:
- guhatira abantu kimwe ntibikwiye,
- buri muntu afite ubushobozi butandukanye,
- umwarimu w’ubu ntiyagakwiye guhatirwamo umushinga adashoboye.
Nubwo hari impungenge nyinshi, niba 8% yakorwa neza:
- yakongera inguzanyo,
- yagabanya igihe cyo gutegereza,
- yagabanya ubusumbane mu kubona service,
- yateza imbere umwarimu mu buryo burambye.
Ariko byose bigomba kuba ku bushake bw’umunyamuryango.
Iki kibazo cyafashe umurongo muremure ku mbuga nkoranyambaga, bigaragaza ko abarimu bagifitiye amarangamutima akomeye kandi ko bumva bafite ikibazo gikomeye mu bucungurwe bw’amafaranga yabo.
Ibyo byose bikerekana ko:
- Abarimu bifuza ijwi,
- Bifuza kubazwa,
- Bifuza kumvikana,
- Bifuza gusobanurirwa,
- Bifuza ko SACCO ibafata nk’abantu bafite uburenganzira ku mushahara wabo.


Mwarimu Sacco aho gufasha abanyamujyango niyo idukenesha kubera inguzanyo zamoko menshi yagiye ushyiraho yakagombye gushyiraho inguzanyo imwe Ariko yamafaranga ahagije nigute se umuntu yahembwa amafranga 3000 warangiza ngo uramukata 8% hejuru yamafaranga ngo azafata yagiye muri passion buri uko winjiye muri account bakata 20 kdi amafranga atavuyeho noneho ngo ni dukoreshe e_ cash ikata 250 mbese bahora bashaka ubujyo bwo gukata gusa so nibashyireho inguzanyo Nini imwe kubujyo umuntu asigarana nibura 1/2 cyumushaharawe Ataribyo baradukenesha.wasobanura ukuntu umuntu ahembwa 2000 numushahara WA 135000 nibarekereho 5% ikindi bagabanye inguzanyo nyinshi bashyizeho
Ibyo usaba ni ukuri UMWALIMU SACCO yagakwiye gushyira imbere ubunyangamugayo no kurengera umushahara w’umunyamuryango. Kugabanya ubwoko bwinshi bw’inguzanyo no kugabanya GUKATA ni byo byafasha abarimu koko. Ibitekerezo byawe bifite agaciro kandi bikwiye kumvwa n’ababishinzwe.
Oya rwose bikwiriye kwigwa ho bikanahabwa umuronko muzima Kandi uhamye ndetse kubwumvikane
Muraho neza, nge ndabashimira ku buryo mutohoza neza amakuru yerekeye abarimu Kandi agatangazwa uko Ari nta binyoma byongewemo. Umwalimu Sacco uzatuma abaturage batumerera nabi cyane. Bavugurure system zabo, bareke kudukata amfr tutazi especially 20 akatwa buri uko umuntu yinjiye kandi service yifuza ntayibone, bareke kutuguriza ku bwizigame bwacu ahubwo babuduhe uko buri nta yandi mananiza, bwongere inguzanyo ku buryo n’ umu A2 yabona nka 3M. Ni bwo gusa iterambere ryashoboka ibindi byse ni ibinyoma.
Murakoze cyane ku bitekerezo byanyu. Ibibazo byavuzwe birakomeye kandi bikwiye gusubizwa vuba gukata amafaranga tudahabwe serivisi, imbogamizi mu nguzanyo no kutubaha uburenganzira ku bwizigame byacu. Ijwi ryanyu rifite agaciro kandi rishyigikira uruhare rw’abarimu mu gusaba UMWALIMU SACCO kuba inyangamugayo no kuvugurura systemi kugira ngo itangire kudufasha koko.
Ubundi kwizigamira biba ari ubushake n’ubushobozi bya nyirabyo.None se ko n’ayo twari dufite make bagiye kuyajyana barumva umuntu azagura ibyo akeneye yagiye muri retirement koko?Azahagera atari ho se?
Ibintu byo gusinyisha abantu baramaze kubafatira imyanzuro ntabwo bikwiye.
Ikindi ntabwo iyo nguzanyo ikenewe na bose,ko ari systeme babiprogramye,ushaka ko bamuzamurira ubwizigame akabyisabira bakazajya bamuha inguzanyo ashaka ya menshi utabikeneye akabyihorera bagakomeza kumuguriza ayari asanzwe?
Murakoze cyane ku gitekerezo cyanyu. uvuze ikibazo gikomeye kuko kwizigamira ni ubushake n’ubushobozi, kandi ntibikwiye ko amafaranga y’umuntu yinjizwa mu bintu atasabye.
Njye nahoreje amafaranga kuri phone le 1/12/2025 nkoresheje app ya sacco none nubu narayabuze
Mwanfasha rwose 0784745327
Njye nahoreje amafaranga kuri phone le 1/12/2025 nkoresheje app ya sacco none nubu narayabuze
Mwanfasha rwose 0784745327