Nk’uko bisanzwe biri mu nshingano zayo, Leta ikora ibishoboka byose ngo abaturage babone ibikorwa bibafasha kwiteza imbere ari nako bifasha mu kwihutisha iterambere ry’Igihugu. Ku bufatanye na Banki y’Amajyambere y’u Rwanda (BRD), mu mwaka wa 2011 Leta y’u Rwanda yashyizeho Ikigo kigamije gufasha no korohereza ba rwiyemezamirimo bato n’abaciriritse kugera kuri serivisi z’imari muri gahunda y’Igihugu ishinzwe umurimo (National Employment Program), BDF (Business Development Fund) maze mu kwegera abaturage bahitamo gukorana na Koperative Umurenge SACCO aho babaha amafaranga nabo (SACCO) bakayaha abaturage bayifuza ku nyungu nto kandi bafashijwe kubona ingwate.
Mu bukangurambaga buzenguruka Igihugu, Intara y’Amajyaruguru yari itahiwe ku wa Gatatu tariki 23 Mutarama 2025, aho ibiganiro byabereye mu mujyi wa Musanze bihuza BDF (Business Development Fund) na SACCO (Umurenge) zikorera mu ntara y’Amajyaruguru, ibi bikaba biri mu rwego rwo kuvugurura imikoranire hagati ku mpande zombi maze umuturage akarushaho kubona serivise inoze arushaho gusobanukirwa ibyo yemererwa n’amategeko.
Muri ya gahunda ya Leta y’u Rwanda “Umuturage ku isonga”, abafatanyabikorwa mu gihugu hose barasobanurirwa ndetse bakanashishikarizwa gahunda yiswe “Birashoboka na BDF,” aho abakozi ba Koperative Umurenge SACCO bibutswa kwakira neza umuturage uje abagana bakirinda kumusiragiza, maze ngo agafashwa kubona amafaranga yose yifuza adasabwe gusubira mu mushinga ngo agabanye ayo yateganyije cyangwa se ngo yakwe akantu. Umuturage nawe akaba akangurirwa kwitabira serivisi z’imari zamwegerejwe kuko afashwa ku kijyanye n’ingwate ku badashoboye kuzigondera.
Umucungamutungo wa Koperative Umurenge SACCO (Iteganyirize SACCO) y’Umurenge wa Remera mu karere ka Musanze, bwana Safari Justin nk’umwe mu bahembwe kubera serivise nziza baha ababagana, yagaragarije itangazamakuru ko ku bufatanye bwa BDF na SACCO byose bishoboka.
Yagize ati: “Twese uko twitabiriye ubu bukangurambaga dukwiye kubigira ibyacu kuko buri wese abigize ibye byashoboka cyane. Umuturage wacu namara kumenya aya makuru, hari amahirwe menshi ko yakiyeza imbere kuko amenya imbaraga Leta yacu iba yashyizemo binyuze muri BDF maze na wawundi watinyaga inguzanyo kubera ingwate akibonamo. Nka Koperative Umurenge SACCO, natwe dushyize imbere ubukangurambaga kugira ngo tumenyekanishe aya mahirwe ya BDF. Hari ibijyanye n’ingwate ndetse n’inguzanyo ubwayo kuko ni twe twegereye umuturage, tugomba rero kumufasha kumenya amahirwe nk’aya”.
Umuyobozi wa BDF, bwana Vincent Munyeshyaka yagize ati: “Mu mikoranire yacu na Koperative Umurenge SACCO, tubanyuzaho amafaranga nka BDF kugira ngo bagurize abanyamuryango babo. Ntabwo ari twe dukorana n’umuturage ahubwo twe dukorana na SACCO noneho yo igakorana n’umuturage. Iyo habaye ikibazo bagatinda kwishyura, tuganira n’abayobozi ba SACCO tugashaka uburyo bakishyura ariko umuturage adahutajwe. Mwabonye ko nko muri iyi nama, SACCO ziri mu bukererwe bwa miliyoni 24 z’amafaranga y’u Rwanda, gusa biyemeje ko mu cyumweru kimwe bazaba bamaze kuyishyura ibintu bigakomeza kugenda neza”.
Uyu muyobozi yavuze ko hari igihe bitagenda neza uko abaturage baba babyifuza kuko ngo hari igihe bifuza amafaranga menshi kandi ahari ari macye. Yatanze urugero ku mishinga yo mu cyiciro cya kabiri aho abaturage bifuje miliyari 18 z’amafaranga y’u Rwanda (18,000,000,000 Frw) kandi izari zihari ari umunani gusa, bivuze ko habonetse icyuho cya miliyali 10 zose, yizeza ko hari kubakwa ubushobozi buzatuma buri mushinga w’umuturage wujuje ibisabwa uzajya uhabwa amafaranga.
Ibi ngo bizagerwaho ari uko BDF yongereye ingengo y’imari ku rwego rw’Igihugu, ari nabyo byatumye mu cyiciro cya gatatu, hateganywa miliyari zigera kuri 30 z’amafaranga y’u Rwanda (30,000,000,000Frw), amwe muri yo ngo akazakoreshwa mu gukemura ikibazo cy’abatarakorewe mu cyiciro cya kabiri. Iyi gahunda ya “Birashoboka na BDF” iri gukorerwa ubukangurambaga mu gihugu hose, yatangiye mu kwezi kwa 11 (Ugushyingo) umwaka ushize wa 2024, mu rwego rwo kongera umubare w’abagerwaho na serivise za BDF mu bwinshi no mu bwiza.
Mu mikorere n’imikoranire myiza, BDF isaba ko abaturage bagomba guhabwa inguzanyo badacibwa amafaranga y’inyongera afatwa nk’ayo kwihutisha serivise cyangwa se akantu kuko ibyo ari ruswa kandi ikaba ihanwa n’amategeko y’u Rwanda mu buryo bukomeye kuko bituma umuturage atabasha gukoresha neza amafaranga mu mishinga aba yateguye kandi aba yifuza kuzamura ishoramari no kwiteza imbere bityo n’Igihugu kigatera imbere.
BDF (Business Development Fund), ni ikigo cyashyizweho mu mwaka wa 2011 na Leta y’u Rwanda ku bufatanye na Banki y’Amajyambere y’u Rwanda (BRD) mu rwego rwo gufasha no korohereza ba rwiyemezamirimo bato n’abaciriritse kugera kuri serivisi z’imari. Urubyiruko, abagore n’abarokotse Jenoside yakorewe Abatutsi bagenerwa ingwate ya 75% bakishakira 25% mu gihe abagabo bo bahabwa ingwate ingana na 50% nabo bakishakira 50%.
BDF ni kimwe mu bigo by’ingenzi bishyira mu bikorwa gahunda y’ Igihugu ishinzwe umurimo (National Employment Program), kandi imirimo yayo igendera ku murongo w’ibyo bikorwa. Muri 2015, BDF yafunguye amashami mu gihugu hose hagamijwe kwegereza serivisi ba rwiyemazamirimo hagendewe kuri gahunda y’Igihugu ishinzwe umurimo (NSDEPS- National Skills Development & Employment Promotion Strategy). Serivisi BDF itanga harimo ingwate ku nguzanyo, ubujyanama, ikodeshagurisha, kongerera ubushobozi SACCO, inguzanyo ku mishinga y’ubuhinzi n’ubworozi, ndetse n’inkunga. Zimwe muri zo zitangwa binyuze mu masezerano ifitanye n’ibigo by’imari, izindi zihabwa abagenerwabikorwa nta wundi muhuza.
Yanditswe na Mahoro Laetitia/ www.amizero.rw /Musanze District.
