Inguzanyo ya miliyari 50 Umwalimu SACCO yahawe na BRd ikomeje gufungurira abarimu Babishaka amahirwe yo kwiyubakira amazu meza

Koperative Umwalimu SACCO Tariki 18 Nyakanga 2025 yabonye  ubushobozi bushya bwo gufasha abarimu kwiyubakira inzu nziza, nyuma yo guhabwa indi nguzanyo ya miliyari 30 Frw na Banki y’Amajyambere y’u Rwanda (BRD). Aya mafaranga yaje yiyongera kuri miliyari 20 Frw iyi koperative yari yahawe mu ntangiriro za 2023, bituma inguzanyo zose Umwalimu SACCO ifite ituruka kuri BRD zigera kuri miliyari 50 Frw zigenewe guteza imbere abarimu muri gahunda ya “Gira Iwawe”.

Gahunda ya “Gira Iwawe” yatangijwe igamije gufasha abantu bafite ubushobozi buciriritse kubona inzu ku giciro kidakanganye. Nubwo mu ntangiriro zari zitezweho gufasha abarimu 1,900, imibare yakomeje kwiyongera cyane kugeza ku barenga 5,000 bamaze kubona inguzanyo binyuze muri iyi gahunda.

Ibi byagarutsweho ku wa 18 Nyakanga 2025 mu Nteko Rusange Idasanzwe y’abanyamuryango ba Umwalimu SACCO, aho ubuyobozi bwatangaje ko miliyari 30 Frw bahawe  agiye kongerera imbaraga gahunda yo gufasha abarimu kubona inzu mu buryo bworoshye kandi buboneye.

Perezida w’Inama y’Ubutegetsi ya Umwalimu SACCO, Gaspard Hakizimana, yavuze ko iyi nguzanyo nshya yaje kongera ubushobozi bwo gutanga inguzanyo z’inyungu ku banyamuryango.

Yagize ati:
“Inguzanyo turi kwaka ni izo gufasha mu kubona aho kuba. Turashimira BRD yabonye ko inguzanyo ya mbere twahawe twayikoresheje neza, bituma bemera kutwongera ubushobozi kandi bakabuzamura.”

Yongeyeho ko ibi bizafasha abarimu benshi kurushaho kugera ku nzu zigezweho, bijyanye n’uruhare Umwalimu SACCO isanzwe ifite mu guteza imbere imibereho myiza y’abakozi bo mu rwego rw’uburezi.

Koperatīve Umwalimu SACCO ubu ifite abanyamuryango barenga 160,000, barimo abarenga 5,000 biyongereye mu mwaka wa 2024. Uko ibikorwa bikomeza kunozwa ni ko n’ibyifuzo by’abanyamuryango mu kubona inguzanyo zo gutunga inzu byiyongera, bityo iyi nguzanyo nshya ikazagira uruhare rukomeye mu gusubiza ibyo byifuzo.

Ibisabwa Kugira Ngo Umunyamuryango Abone Inguzanyo Ya “Gira Iwawe”

Buri munyamuryango ushaka kwifashisha iyi gahunda agomba kuba yujuje ibi bikurikira:

1. Kwiyandikisha mu buryo bw’ikoranabuhanga

• Kwiyandikisha kuri sisitemu ya “Gira Iwawe”: giriwawe.brd.rw

2. Ibisabwa ku munyamuryango

• Umushahara ugomba kunyura ku Umwalimu SACCO
• Kuba yarishyuye imigabane ihwanye nibihumbi mirngo ine ( 40,000 Frw)
• Ku muryango utinjiza  arengenze  1,200,000 Frw ( bungukira umwalimu sacco 11% burimwaka )
• Ku muryango winjiza  arengenze  1,200,000 Frw  hagati ya 1,200,000–1,500,000 Frw ( bangukira umwalimu sacco inyungu 13% kumwaka )
• Kuba amaze nibura ukwezi ari umunyamuryango

3. Inyandiko zikenewe

• Kuzuzuza no gusinya impapuro za SACCO
• Contract  y’akazi (ku bigenga cyangwa abakorera mu bigo byigenga)
• Indangamuntu zemewe (n’iz’abo bashakanye)
• Gutanga 10% by’agaciro k’inzu ashaka kubaka
• Kuba ufite ubwizigame bungana na 5% by’inguzanyo yemejwe
• Ingwate ifite agaciro ka 125% by’inguzanyo
• Amasezerano  y’ugomba kugura inzu (ku bashaka kuyigura)
• Icyemezo cy’umushahara, icyemezo cy’akazi, icyemezo cy’umukoresha
• Cash flow y’umuryango
• Amakuru y’inzu (inyandiko zemewe n’amafoto 4 ku mpande zose)
• Icyemezo cy’inguzanyo cyangwa clearance niba inzu iri ingwate ahandi
• Kwishyura 1.5% ya komisiyo + 18% VAT kuri komisiyo
• Kwishyura 0.2% y’amafaranga yemejwe nk’ikiguzi cyo gusaba inguzanyo
• Ikiguzi cy’ubwishingizi bw’inguzanyo n’ubwishingizi bw’umutekano

NOTE: Amafaranga y’inguzanyo atangwa nyuma y’uko inzu yanditswe ku izina ry’umunyamuryango.

Uko Usaba Inguzanyo Binyuze Mu Ikoranabuhanga ‘Gira Iwawe’

STEP 1: Kwiyandikisha

• Injira kuri KANDA HANO NIHO BIYANDIKISHIRIZA
• Wuzuza amakuru yawe
• Uhabwa ubutumwa bwo kwemeza konti yawe (email/SMS)

STEP 2: Winjire muri sisitemu ukoresheje konti yawe

• Wuzuza ibisabwa byose kuri page ya application

STEP 3: Rwanda Housing Authority (RHA) isuzuma niba ushyira mu byiciro by’abemerewe guhabwa inzu ziciriritse

STEP 4: Kugura inzu

• Niba wemerewe, wohereza dosiye yawe kuri SACCO ukorana nayo
• Ugafashwa kubona inguzanyo yo kugura inzu

Umwalimu SACCO, ibinyujije mu bufatanye bwimbitse na BRD, ikomeje kugaragaza uruhare rufatika mu kuzamura imibereho y’abarimu, iborohereza kwinjira mu rwego rwo gutunga inzu zigezweho kandi zifite ubwishingizi bw’amafaranga macye ugereranyije n’andi masoko y’imari.

Gahunda ya “Gira Iwawe” ikomeje kugaragara nk’ubu buryo bwizewe kandi bworoshye bwemerera umunyamuryango gutunga inzu idahenze, ifite inyungu nto, n’amasezerano yoroshye ku bazishaka.