Yashyizweho kuri 28 May, 2020 | 08:50

Imikorere mibi y’imwe mu mirenge SACCO irangiiza imikorere ya VUP

Gahunda yo gufasha abatishoboye kwikura mu bukene(VUP) iragenda igaragaza umusaruro wayo. Umubare w’abari mu bukene bukabije wavuye kuri 36.9% muri 2008 ugera kuri 16.3% muri 2016 nk’uko byatangajwe n’ikigo cy’igihugu cy’ibarurishamibare. N’ubwo ariko hari abo yafashije kuva mu bukene, hari ibitaranozwa mu myaka 12 iyi gahunda imaze. Ibibazo bigaragara kenshi ni itinda ry’amafaranga y’abakora imirimo rusange, inkunga y’ingoboka ku bazigenewe ndetse na bamwe mu batishoboye badahabwa inguzanyo igihe bazishaka.

N’ubwo iki kibazo cyagira impamvu zitandukanye zigitera ariko bamwe basanga bifitwemo uruhare n’imikorere y’Umurenge SACCO wahawe gucunga amafaranga ya VUP kuva muri 2015. Izi koperative zikora nka banki, zishinjwa ko zifata amafaranga agenewe VUP zikayajyana mu bindi biziha inyungu nyinshi kandi zizewe cyangwa ku nyungu z’abayobozi bazo, aho kuba inyungu z’umugenerwabikorwa. Mu mwaka w’ingengo y’imari 2017-2018; raporo y’umugenzuzi mukuru w’imari ya Leta yagaragaje ko hari Miliyoni zirenga gato 895 zari zigenewe VUP zajyanywe mu bindi bikorwa by’uturere zikuwe ku makonti y’umurenge SACCO mu turere twa Ngoma, Bugesera, Gisagara, Nyarugenge, Kicukiro, Huye na Gasabo.

Kuwa 27/02/2019 I Musanze, ubwo umuryango ushinzwe kurwanya ruswa n’akarengane ishami ry’u Rwanda, wagaragarizaga abayobozi mu ntara y’amajyaruguru isesengura ku byagaragajwe na raporo y’umugenzuzi mukuru w’imari ya leta y’umwaka w’ingengo y’imari 2016-2017; ikibazo cy’imirenge SACCO icuruza amafaranga ya VUP cyagarutsweho na bamwe mu banyamabanga nshingwabikorwa b’uturere tugize iyi ntara, nk’impamvu y’itinda ry’amafaranga ku bagenerwabikorwa ba VUP.

BAGIRISHYA Pierre Claver, umunyamabanga nshingwabikorwa w’akarere ka Musanze muri iki kiganiro yagize ati “Imikorere ya SACCO niyo itera ikibazo. Buriya hari amabanki manini Umurenge SACCO ukorana nayo. Hari igihe usanga haje amafaranga nka Miliyoni 200 ya VUP, hanyuma SACCO ikabikuzaho nka Miliyoni ijana izindi ijana ikazishyira kuri konte boloke (bloquer) izo banki zikungukira Umurenge SACCO. Iki ni ikibazo twakurikiranye cyane(…)”.

Umunyamabanga nshingwabikorwa wa kamwe mu turere tw’intara y’amajyaruguru nawe wari muri iyi nama, atanga igitekerezo yagize ati “Ntabwo ari twe ducunga amafaranga ya VUP ariko dukorana na SACCO mu bukangurambaga. Ibibazo rero bivukira aho SACCO usanga zisa n’izinaniza abaturage mu gihe cyo kubaha inguzanyo. Ntabwo ikibazo ari uko amafaranga aba adahari ahubwo ikibazo ni iyo mikorere ya SACCO”.

Iki kibazo kigaragara cyane ku bahabwa inguzanyo; zimwe muri SACCO zibikora mu rwego rwo gukwepa guha inguzanyo abaturage batishoboye, kuko ngo ziba zifite impungenge ko bazazambura.

Ikibazo kandi kigaragara no kuri bamwe mu baturage bibwira ko amafaranga yose yo muri SACCO, ari nk’impano itishyurwa dore ko abo igenewe aba ari abakene bo mu cyiciro cya mbere n’icya kabiri cy’ubudehe. Aba ngo bigora Umurenge SACCO kubishyuza kuko akenshi nta n’ingwate zifatika baba bafite.
Cyakora ngo iki kibazo cyo kwishyuza kimaze kugaragara, byarahindutse inshingano zo gukora amalisiti y’abahabwa inguzanyo, asigaye yemezwa n’inzego z’ibanze akaba ari nazo zikurikirana ibijyanye no kwishyuza. Uretse abashaka inguzanyo n’abakoze imirimo rusange baramburwa. Iri curuzwa ry’aya mafaranga agenewe VUP, ntabwo rigira ingaruka ku bashaka inguzanyo gusa kuko n’abaturage bakora imirimo rusange bahora bijujutira itinda ry’amafaranga bakoreye.

Muri raporo z’umugenzuzi mukuru w’imari ya Leta z’imyaka itatu iheruka ikibazo cya VUP ntikiburamo ku bijyanye no gutinda guha abagenerwabikorwa amafaranga bakoreye, mu gihe amabwiriza avuga ko bahabwa amafaranga yabo bitarenze iminsi 15 y’ukwezi gukurikiraho.

Umugenzuzi mukuru w’imari ya Leta yagaragaje ko mu mwaka w’ingengo y’imari 2017-2018, bamwe mu bakoze imirimo yishyurwa, amafaranga yabo yakererewe kubageraho igihe cyenda kugera ku mwaka naho mu mwaka w’ingengo y’imari 2018-2019, amafaranga agera kuri Miliyari imwe na miliyoni hafi 260 mu turere 16 yatinze kugera ku bagenerwabikorwa ba VUP mu gihe kirenze amezi atatu.
Ikigo cy’igihugu cy’amakoperative, RCA cyo ngo nticyavuga ko ubu bucuruzi bw’aya mafaranga buriho, ahubwo ngo iryo tinda rishobora guterwa n’izindi mpamvu zirimo n’inzira zo kwemeza amalisiti y’abagenerwabikorwa akorwa n’inzego z’ibanze. Gusa ngo iyo muri SACCO habaye ikibazo nko kwibwa, abihutirwa guhabwa amafaranga iyo abonetse ngo ntabwo ari abagenerwabikorwa ba VUP, ahubwo ngo abihutirwa baba ari abanyamuryango bizigamiye amafaranga yabo, hanyuma abazigamiwe na Leta nabo bagakurikiraho, nk’uko bitangazwa na Mugambage Richard ukora muri RCA.

Cyakora ku bahabwa inkunga z’ingoboka, LODA nk’ikigo gishinzwe guteza imbere ibikorwa by’iterambere mu nzego z’ibanze ari nayo ishinzwe VUP, ivuga ko abazigenewe bazihabwa ku mpera ya buri kwezi, n’ubwo ngo abonetse mbere nta kibazo bakagombye kuyahabwa dore ko aba ari ayabo.

Inyungu kuri SACCO, igihombo ku baturage

Ku baturage ndetse no kuri Leta itanga amafaranga iki ni ikibazo kuko aya mafaranga agera ku bo agenewe impitagihe ntatange umusaruro wari utegerejwe. Uwayezu Célestin wo mu karere ka Kamonyi; uyu akaba afite ubumuga bwo kutabona, avuga ko inkunga y’ingoboka abona buri kwezi iyo itinze abaho nabi. Ati “Kubona imirire biragorana kandi ari yo akenshi umuntu aba yishingikirije”.

Ku rundi ruhande, hamwe imirimo yatangiwe iradindira bitewe n’uko abantu bategereza amafaranga yabo bayabura bagata imirimo itarangiye. JMV Rwajekare umwe mu bagenerwabikorwa ba VUP wo mu karere ka Gakenke, avuga ko iyo amafaranga atinze kuza, abakoraga bahitamo kujya gushakira ahandi bahita babishyura, bakabona ibyo kurya.Avuga ku buryo bacika intege, agira ati “Ikibazo cyarabaye badukoresha inama tubwirwa ko ku italiki 15 z’ukwezi gukurikira uko twakoze tuzajya tuba twabonye amafaranga yacu. None hagezemo amakenzene ane (amezi abiri) batwishyura imwe gusa. Byageze aho, aho twakoraga turi 300 hasigara haza abatarenze ijana abandi barabyihoreye”.

Ngo ikibabaza bamwe ni uko iyo ibi bibaye, hari abayobozi batababwira neza ahubwo bakabakangisha guhagarikwa muri ako kazi ngo kuko hari abandi bagakeneye, ndetse bakanabasaba kujya kuguza amafaranga azunguka kandi babafitiye ibirarane by’amafaranga menshi batarishyurwa, nk’uko ab’I Gakenke babitangaje Pax Press (umuryango w’abanyamakuru baharanira amahoro mu Rwanda) mu kiganiro hagati y’abaturage n’abayobozi muri 2017.
Ayinkamiye Angelique yagize ati “Turakora igihe cyo kuduhemba cyagera ntibaduhembe, tukabura imbuto na mituweli ahubwo bakadusaba kujya gusaba inguzanyo mu murenge SACCO”.

Ikigo gishinzwe guteza imbere ibikorwa by’iterambere mu nzego z’ibanze LODA, kivuga ko amafaranga yoherezwa ku gihe kereka wenda igihe hari ikibazo kandi ibyo ngo ntibiba buri gihe, bityo ngo nta rwitwazo rwo gutinda kugeza aya mafaranga ku bagenerwabikorwa.

Cyakora aho byagiye bitinda Justin Gatsinzi, umuyobozi ushinzwe ishami muri LODA, yemera ko aya ari amakosa ndetse ko ari serivisi mbi iba ihawe abagenerwabikorwa nk’uko yabitangarije Pax Press mu kiganiro ku kamaro ka VUP mu kugabanya ubukene bukabije muri 2017.

Ikibazo mu mikorere y’umurenge SACCO

Bamwe mu bayobozi b’Imirenge SACCO ntibahakana ibyo kuyajyana mu bindi bikorwa. Ngo bayashora aho bafite icyizere cy’uko azagaruka bitabavunnye, dore ko byagaragaye ko amafaranga menshi Umurenge SACCO watanze nk’inkuzanyo bigorana kuyagaruza, nk’uko bitangazwa n’umwe mu bayobozi b’Umurenge SACCO wo mu karere ka Gasabo. Ati “Izi nguzanyo tuziha abakene cyane. Abo rero ikiba gishoboka cyane ni ukutishyura, iyo batishyuye ninjye ubibazwa. Ngize amahirwe rero nabona uwo nyaguriza nizeye ko azanyishyura neza n’iyo yampa inyungu iringaniye”.

Muri Miliyari zisaga 20 zagurijwe abaturage kugera mu kwezi kwa Kamena 2018 hari hamaze kwishyurwa Miliyari zirenga gato 13.5 gusa. Raporo y’umugenzuzi mukuru w’imari ya Leta ya 2017-2018, igaragaza ko ayari amaze kwishyurwa muri 2018 ari ku ijanisha rya 68% na 64% muri 2017. Iyi raporo kandi yagaragaje ko hari inguzanyo zimaze imyaka hagati y’ine na cumi n’umwe zitarishyurwa.
Mugambage Richard, umuyobozi ushinzwe guhuza ibikorwa bya SACCO muri RCA, avuga ko hari kandi amafaranga hafi Miliyari eshanu yari yaranyerejwe yagarujwe muri 2019 kandi ko bakomeza gukurikiranira hafi ku buryo abakoze amakosa bahanwa by’intangarugero. RCA ivuga ko kugeza ubu hari abantu bafunzwe, abandi birukanwa mu kazi kubera imicungire mibi y’amafaranga ya VUP.

Ibibazo bya VUP n’umurenge SACCO mu mushyikirano

Mu nama y’umushyikirano ku nshuro ya 16 yabaye mu mwaka wa 2018, ikibazo cya VUP cyatinzweho cyane havugwa ku bijyanye n’inyungu ku nguzanyo yavuye kuri 2% ikajya kuri 11% nyuma y’aho inshingano zo gucunga amafaranga ya VUP zikuriwe mu nzego z’ibanze zigashyirwa mu murenge SACCO kuva muri 2015. Iyo nyungu iri hejuru nayo yagabanyije umubare w’abasabaga inguzanyo.
Iri gabanuka ry’abasaba inguzanyo impuguke mu by’ubukungu zatangazaga ko rizagira ingaruka ku mibereho y’abaturage bityo intego za VUP ntizigerweho neza, kuko imishinga mito ibyara inyungu izagabanuka bitewe no kubura igishoro, nyamara byari biteganyijwe ko izafasha abantu kwikura mu bukene binyuze mu nguzanyo.

Mu myanzuro 10 yafatiwe muri iyo nama y’umushyikirano, itatu ibanza ireba Umurenge SACCO na VUP. Iyo myanzuro igira iti “1. Kuvugurura imitangire n’imicungire y’inguzanyo zihabwa abatishoboye zinyuzwa mu Murenge-SACCO kugira ngo zibafashe kwivana mu bukene vuba no kwigira. 2. Kunoza imikorere y’Umurenge-SACCO muri rusange kugira ngo irusheho kugera ku ntego yashyiriweho no gufata ingamba zo kwishyuza vuba abayambuye. Naho uwa gatatu ukagira uti 3. Gukomeza kunoza ingamba zigamije kuzamura imibereho myiza y’abaturage no kongera kureba uburyo abari mu cyiciro cya 2 cy’Ubudehe bakongera kwemererwa gukora imirimo ihemberwa itangwa muri gahunda ya VUP”.

Amabwiriza ya LODA avuga ko abaturage bari mu cyiciro cya mbere cy’ubudehe, bakora imirimo rusange bakajya bahabwa ibihumbi 10 buri kwezi, bakayishyurwa bitarenze iminsi 15 y’ukwezi gukurikiyeho. Hari kandi abakene badashoboye gukora nk’abakecuru n’abafite ubumuga bahabwa amafaranga y’ingoboka buri kwezi, hakaba n’andi mafaranga yo kuguriza abari mu cyiciro cya mbere n’icya kabiri cy’ubudehe ku nyungu yo hasi, bagakora imishinga yo kwiteza imbere.

Musonera Sosthène


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