Mu rwego rwo kwisungana kugira ngo bashobore kugera ku nzozi zabo, abamotari bagenda bashinga amakoperative kugira ngo ibigo by’imari bishobore kuborohereza kubona inguzanyo ariko nabwo bagakomeza kuzitirwa no kubura ingwate kuko baba bataragira imitungo.
Koperative Umuseke yo mu Karere ka Kicukiro na yo yahuye n’iki kibazo igitangira mu 2014 ubwo abanyamuryango bake cyane ari bo bari bafite moto naho abenshi ari abashomeri. Ibintu byahindutse muri Nyakanga 2015 ubwo iyi koperative yafashwaga n’ Ikigega cya Leta giteza imbere imishinga mito n’iciriritse (BDF) maze hakaboneka moto esheshatu zakoreshwaga n’abamotari barenga icumi, bityo ubushomeri buragabanyuka maze koperative iba itangiye iterambere ryatumye n’abashoramari bayigirira icyizere batagatangira kwisukiranya mu kuyigurira moto zikishyurwa buhoro buhoro.
Umuyobozi wa koperative Umuseke, Karera Eustache, yabwiye IGIHE ko abarenga 70% mu banyamuryango 361 ubu bafite moto zabo, imbarutso ya byose ikaba BDF yabishingiye maze COPEDU ikabaha inguzanyo ya miliyoni zirindwi n’ibihumbi 800.
Karera yavuze ko ubu bamaze kugera ku ntego ya mbere yo kwikura mu bukene, bakaba batangiye imishinga y’iterambere rirambye nko kubaka amazu akodeshwa n’ikinamba cyogerezwamo ibinyabiziga.
Yagize ati “Twatangiye koperative turi abantu 20 ariko abenshi nta moto bagiraga. BDF yemeye kutwishingira kuri 80% kuko twari dufite 20% gusa y’ingwate yasabwaga. Twaguze moto esheshatu zakoreshwaga n’abantu barenga 10 ku munsi kuko nta muntu wakora amasaha yose, bityo bakayihererekanya. Ikindi za moto zashoboye gutunga imiryango myinshi, ugasanga moto imwe itunze abantu bagera 10 bo mu miryango y’abayikoresha.”
Karera yavuze ko koperative yarangije kwishyura iyo nguzanyo, ikaba imaze kugeza kuri banki indi mishinga ibiri harimo uwo kugura izindi moto n’uwo kubaka inzu koperative izajya ikoreramo ikanakodeshwa n’abandi, bakaba bateganya kugana BDF nanone ikabibafashamo.
“Banki nimara kwemera iyo mishinga tuzayitwara muri BDF badufashe nanone ku ngwate kuko koperative ubwayo ntiyabona ingwate y’inguzanyo zashyira mu bikorwa iyo mishinga. BDF yafashije iyi koperative gutera imbere. Ubu abantu bahawe za moto 6 ubu ni izabo kuko bamaze kuzishyura ndetse bamwe bashoboye kwiteza imbere biyubakira inzu zo kubamo bava mu bukode.”
BDF ifasha abasanzwe bafite imirimo bahanze n’abashaka kuyihanga binyuze mu gutanga ingwate ku nguzanyo baba bemerewe n’ibigo by’imari, gutanga amahugurwa ku gukora ubushabitsi (business) ndetse igatanga n’inkunga iri hagati ya 20-25% y’inguzanyo ku mishinga iba yatoranyijwe.
Kuva yatangira mu 2011, BDF imaze gutanga ingwate ingana na miliyari zisaga 41.2 z’amafaranga y’u Rwanda ku mishinga igera ku 6000, mu gihe imishinga 11 663 ifite agaciro ka miliyari 4.2Frw yahawe inkunga.
TANGA IGITEKEREZO