Hagiye gushira umwaka Imirenge SACCO yose mu gihugu itangijwemo ikoranabuhanga, isezerera imikorere y’agatabo n’ifishi baha serivisi abakiliya babo.

Mu myaka 17 izi koperative zimaze zikora, izirenga 238 zingana na 57,2% zahuye n’ikibazo cy’ubujura bwakozwe n’abari abakozi bazo, hamwe banafatanya n’abanyamuryango muri ubwo bujura.

Nk’urugero, SACCO ya Jabana yahombye hafi miliyoni 430 Frw bigizwemo uruhare n’imikorere mibi y’abari abayobozi bayo, SACCO ya Mugunga mu Karere ka Gakenke mu 2015 yibwe miliyoni 67 Frw n’abakozi bayo, Isoko SACCO yo muri Gasabo yibwa miliyoni 80 Frw n’uwari umuyobozi wayo, na ho SACCO ya Butare yo mu karere ka Rusizi yibwa miliyoni 20 Frw mu gihe SACCO ya Bweyeye yibwe miliyoni 24 Frw.

Minisitiri w’Imari n’Igenamigambi, Yusuf Murangwa, ubwo yatangaga ibisobanuro ku mikorere ya za SACCO mu Nteko Ishinga Amategeko, ku wa 8 Nyakanga 2025, yavuze ko ubujura bwakozwe muri izi koperative hirya no hino mu gihugu bushingiye ku kuba barakoreshaga impapuro gusa, n’ubunyangamugayo buke ku bari abakozi bazo.

Ati “Icyo twavuga ni uko kubera imikorere itanoze cyane cyane kubera gukoresha impapuro tutarashyiraho sisiteme y’ikoranabuhanga SACCO zose zakoreshaga impapuro bigatuma ubugenzuzi budakorwa neza bitewe n’intege nke mu bugenzuzi bw’imbere no kubura ubunyangamugayo muri SACCO zimwe na zimwe.”

SACCO 19 mu zibwe zananiwe gusubiza amafaranga yarimo ubwizigame bw’abanyamuryango, amafaranga yari agenewe abagenerwabikorwa ba VUP n’imisanzu y’ubwisungane mu kwivuza yishyuwe n’abanyamuryango binyuze kuri konti ya RSSB, ariko Inama y’Abaminisitiri yo mu 2021 yemeza ko zihabwa inkunga y’inguzanyo kugira ngo zibashe gukomeza gukora.

Abibye izi SACCO babarirwa muri 500, barimo 153 bashoboye kwishyura amafaranga bibye, abandi 103 batorotse ubutabera, na ho abandi basangaga nta mitungo ibabaruyeho yaherwaho bishyuzwa ibyo bihombo.

Inguzanyo zo muri SACCO zishyurwa nabi

Abadepite bagaragaje ko muri SACCO Dushyigikirane yo mu Karere ka Nyanza hari ikibazo cy’inguzanyo zitishyurwa neza, kuko ziri ku rugero rwa 35% mu gihe ibipimo bya Banki Nkuru y’u Rwanda biteganya ko zitagomba kurenga 5%.

Minisitiri Murangwa yagaragaje ko imibare yo muri Werurwe 2025, yerekana ko inguzanyo zo muri SACCO 22% zifite imyenda itishyurwa neza iri munsi ya 5%.

SACCO 96 zifite imyenda itishyurwa neza iri hagati ya 5% na 10% mu gihe SACCO 155 zifite imyenda itishyurwa neza iri hagati ya 10% na 20%, na ho SACCO 70 zo zifite imyenda itishyurwa neza iri hejuru ya 20%.

Ati “Birumvikana ko ibijyanye n’imyenda itishyurwa neza muri za SACCO ntabwo bihagaze neza dukurikije ibipimo bya Banki Nkuru y’u Rwanda ko imyenda itishyurwa neza itagomba kurenga 5%.”

“Ikibazo cy’inguzanyo zitishyurwa neza cyagiye kiboneka kenshi ahanini gituruka ku micungire mibi, imishinga isabirwa inguzanyo ntabwo iba yizwe neza, no kudafata ingamba zihamye zo kwishyuza inguzanyo. Ariko hari n’ahaba ibindi bibazo bitandukanye bijyanye na ruswa n’ibindi.”

Yahamije ko aho iki kibazo kigaragara izi SACCO zisabwa gutanga ingamba zigamije kwishyuza inguzanyo, byagaragara ko bifitwemo uruhare n’ubuyobozi bwayo burahindurwa byaba na ngombwa bagashyikirizwa ubutabera.

Minisitiri Murangwa Yusuf yavuze ko uko abantu bazarushaho kwizigama bizagira uruhare mu kugabanya inyungu bacibwa ku nguzanyo

Bikomeje iyo SACCO yahagarikwa

Minisitiri Murangwa yavuze ko nubwo bidakunda kubaho ariko iyo bigaragaye ko ikibazo cy’inguzanyo zitishyurwa neza gikomeye, hafatwa ingamba zikomeye zirimo no kuyibuza gutanga inguzanyo.

Ati “Banki Nkuru y’u Rwanda ishobora guhagarikwa ku byerekeye gutanga inguzanyo ngo habanze hishyurwe izatanzwe mu rwego rwo gukumira ko abaturage bashobora kubura amafaranga yabo igihe baje kuyabikuza.”

Bivugwa ko hari abantu bakoresha inguzanyo bahabwa ibitandukanye n’ibyo bavuze bajya kuzisaba, bikagira uruhare runini mu kongera umubare w’izitishyurwa neza.

Inyungu ku nguzanyo nini zituma abaturage biyambaza ibimina

Depite Uwineza Beline yavuze ko abaturage bagaragaje ko “inyungu ku nguzanyo ingana na 24% iri hejuru cyane ugereranyije n’inyungu isabwa na za banki z’ubucuruzi, ibyo bigatuma abaturage batitabira gusaba inguzanyo bagahitamo kuzifata mu bimina kuko ho inyungu iba ari ntoya.”

Minisitiri Murangwa yavuze ko inyungu ziri hejuru muri za SACCO usanga zishingiye ku miterere n’ubushobozi bwazo.

Ati “Muri rusange ikiguzi cy’inguzanyo giterwa n’ikiguzi cy’amafaranga atangwamo inguzanyo, amafaranga ibigo by’imari bikoresha, kandi muri za SACCO aba ari menshi mu mirimo ya buri munsi harimo no gukurikirana inguzanyo zatanzwe, imbogamizi (risks) na zo zigira uruhare mu giciro cy’inguzanyo zitangwa muri SACCO, n’urwunguko kuko ibigo by’imari kugira ngo bikore mu buryo burambye bigomba kuba byunguka.”

Yahamije ko SACCO ziba zifite imbogamizi nyinshi harebwe aho zikorera n’abo zikorana na bo ku buryo ibigo by’imari bindi bidashobora kuhashora imari. Inguzanyo nyinshi zitangwa na SACCO ni into kandi zishyurwa mu gihe gito.

Murangwa yashimangiye ko ikiguzi cy’inguzanyo mu bigo by’imari harimo na SACCO kizagenda kigabanyuka uko umuco wo kuzigama by’igihe kirekire uzagenda winjira mu Banyarwanda.

Agaragaza ko ikoranabuhanga ryatangiye gukoreshwa muri izi koperative rizagira uruhare mu kugabanya amafaranga za koreshaga.

Biteganyijwe ko SACCO zose zizahurizwa ku rwego rw’akarere bitarenze 2025/26, zikazahita zikora Cooperative Bank izatuma abanyamuryango bashobora kubikuza aho bari hose mu gihugu.

Imirenge SACCO yo muri Rubavu yamaze guhuzwa ku rwego rw'akarere