UMWALIMU SACCO YASOBANUYE ICYO FORM Y’ABANYAMURYANGO IZAKORESHA MU GUSABA AMAFARANGA YO GUTEZA IMBERE UBUHINZI N’UBWOROZI

Koperative Umwalimu SACCO yongeye kwizeza abanyamuryango bayo ko ihora ishakisha amahirwe yateza imbere imibereho yabo, cyane cyane mu bijyanye n’imishinga ibyara inyungu ibafasha kwiteza imbere no kugira ubuzima bwiza. Ibi byagarutsweho nyuma y’uko ku mbuga nkoranyambaga hakwirakwiye amakuru y’ibihuha yavugaga ko hari inguzanyo nshya za CDAT zatangiye gutangwa ku mishinga y’ubuhinzi n’ubworozi. Ubuyobozi bw’Umwalimu SACCO bwashimangiye ko ayo makuru atari yo, ariko bunemeza ko koko hari gahunda nshya iri gutegurwa ku bufatanye na Banki y’u Rwanda y’Iterambere (BRD), igamije gushakira abanyamuryango inkunga y’ishoramari mu buhinzi n’ubworozi.

Kuki hari Form iri kuzuza muri iyi minsi?

Mu itangazo Umwalimu SACCO yashyize ahagaragara, basobanuye ko Form abanyamuryango bari kuzuza atari iyo gutanga amafaranga ako kanya, ahubwo ari igikoresho cy’ingenzi kizakoreshwa mu buryo bwa tekiniki mu gutegura urutonde rw’abanyamuryango bafite imishinga isobanutse, ifatika kandi ifite inyungu mu buhinzi n’ubworozi.

Iyo Form izakoreshwa mu gukusanya amakuru arambuye ku mushinga wa buri munyamuryango, harimo:

• Ubwoko bw’umushinga w’ubuhinzi cyangwa ubworozi,

• Ingano yo kwagura cyangwa kunoza uwo mushinga,

• Aho uzashyirwa n’uko uteganya gukora,

• Amafaranga akenenewe kugira ngo uwo mushinga ugerweho,

• Inyungu zitezwe n’uruhare rw’umunyamuryango mu kuwushyira mu bikorwa.

Aya ni yo makuru azafasha Umwalimu SACCO gushyira ku rutonde imishinga izahabwa agaciro mu biganiro n’itsinda rishinzwe inguzanyo muri BRD, bityo hatoranywe abashobora gufashwa ku ikubitiro hakurikijwe ibisabwa n’amabwiriza y’inzego zombi.

Gahunda iri hagati ya Umwalimu SACCO na BRD igamije iki?

Umwalimu SACCO na BRD bari gukorana hagamijwe gufasha abarimu n’abandi banyamuryango bafite imishinga ibyara umusaruro kubonera inkunga cyangwa inguzanyo iciriritse ibashoboza guteza imbere ubuhinzi bw’umwuga n’ubworozi butanga umusaruro. Gahunda nk’iyi izafasha abanyamuryango:

• Guhindura ubuhinzi bwabo bukava ku rwego gakondo bugahinduka ubuhinzi bw’umwuga,

• Kongera umusaruro w’imishinga y’ubworozi binyuze mu gukoresha uburyo bugezweho,

• Kunguka ubumenyi bushya n’amahugurwa ku micungire y’imishinga,

• Kurema akazi n’indi mishinga yunganira uburezi n’ubukungu bw’umwarimu,

• Kunoza imibereho y’abanyamuryango n’imiryango yabo.

Ibyo byose ni ingenzi kuko Umwalimu SACCO isanzwe ifite inshingano zo guteza imbere imibereho y’abarimu no kubashyigikira mu iterambere ry’imibereho, haba mu nguzanyo, mu bikorwa byo kwizigamira cyangwa mu mishinga y’iterambere.

Ni iki gitegerejwe ku banyamuryango?

Umwalimu SACCO yasabye abanyamuryango bafite imishinga y’ubuhinzi cyangwa ubworozi kwitwararika no kuzuza Form neza kandi mu gihe, kuko ariyo izaba ishingiro rya byose. Abazuzuza badatondeye cyangwa badasobanuye neza imishinga yabo bashobora kwisanga badashyizwe ku rutonde rw’imbere, kandi ayo makuru ni yo azifashishwa muri BRD igihe cyo gusaba amafaranga.

Abashinzwe gutunganya iyo mibare bazagenda bayisesengura, barebe abujuje ibisabwa hanyuma hashingwe urutonde ruzakoreshwa ku rwego rw’igihugu. Iyo rutonde nirwo ruzashyikirizwa BRD mu rwego rwo gutangira kubahiriza umuhigo wo guteza imbere ubuhinzi n’ubworozi bw’abanyamuryango.

Ese amafaranga azatangwa ryari?

Ubuyobozi bw’Umwalimu SACCO bwavuze ko kugeza ubu ibiganiro bikomeje, kandi ko igihe amafaranga azaboneka n’uko azatangwa bizatangazwa mu buryo bweruye nyuma y’isesengura ryaturutse mu nyandiko z’abanyamuryango. Ibi bivuze ko gutanga Form ari icyiciro cya mbere cy’ingenzi, ariko kitavuze ko amafaranga atangiye gutangwa ubu.

Abanyamuryango basabwe kwirinda amakuru y’ibihuha no gukurikirana amatangazo ya koperative ku mbuga zemewe, kuko ari ho bazamenyeshwa igihe nyacyo cy’itangwa ry’inkunga cyangwa inguzanyo.

Umwihariko w’iyi gahunda ku banyamuryango

Gahunda nk’iyi iza yunganira izindi gahunda z’Umwalimu SACCO zigaragaza ubushake bwo kuzamura imibereho y’abarimu binyuze mu mishinga y’iterambere. Biteganyijwe ko abanyamuryango bazitabira cyane kunyura muri iyi gahunda bazabona amahirwe yo:

• Gufashwa kubona imbuto, inyongeramusaruro, cyangwa amatungo,

• Kugira ubushobozi bwo kugura ibikoresho byifashishwa mu mushinga,

• Kwagura ibikorwa byabo bishingiye ku buhinzi n’ubworozi,

• Kwitabwaho mu byerekeye ubujyanama no gutegura imishinga.

Ibi byose bishingiye ku ntego yo gukomeza gushyigikira umwalimu n’indi miryango y’abanyamuryango kugira ngo bazamuke bava ku rwego ruto bajye ku rwego rw’abahanga n’abashoramari bato bato.

Umwalimu SACCO yibukije abanyamuryango ko Form bari kuzuza ari ingenzi cyane kuko izakoreshwa mu buryo bwa tekiniki mu gusaba amafaranga yo gushyigikira gahunda nshya yo guteza imbere ubuhinzi n’ubworozi ku bufatanye na BRD. Ni yo mpamvu basabwe kuyuzuza neza, batondoye kandi hatabayeho guhimba amakuru. Iyo Form ni yo izafasha koperative gushyiraho urutonde rw’abazahabwa amahirwe ndetse no gushyira imishinga yabo imbere mu biganiro n’inzego zishinzwe gutanga inkunga.

Umwalimu SACCO yasabye buri munyamuryango gukomeza kugira icyizere no gukurikira neza amatangazo atangwa, kuko gahunda iri gutegurwa izafasha benshi kwiteza imbere no kuzamura ubukungu bw’imiryango yabo.