Amizero
Amakuru Ubukungu Uburezi

Abarimu bo mu mashuri yigenga bakorana na Koperative Umwalimu SACCO barayishinja ubuhemu.

Nyuma y’uko Coronavirus igeze mu Rwanda, benshi muri ba nyiri ibigo bihutiye gusubika amasezerano y’akazi bituma abalimu batakaza imishahara yabo bityo n’ubushobozi bwo kwishyura ku bari bafite inguzanyo burahagarara. Ku bakorana na Koperative Umwalimu SACCO bari baratse inguzanyo, ngo bijejwe ko bandika amabaruwa bagahagarikisha izi nguzanyo nk’uko ngo byari no mu mabwiriza ya Banki nkuru y’Igihugu BNR. Gusa ngo icyabateye agahinda ni ukuntu amashuri amaze kongera gufungura, imishahara yabo yose yageraga kuri SACCO ikayifata uko yakabaye ndetse ngo bakaba baranasanze bari mu bukererwe bukabije.

Abarimu bigisha mu mashuri yigenga yaba ay’inshuke, abanza ndetse n’amwe mu yisumbuye bari baratse inguzanyo muri iyi Bank ya mwalimu (Koperative Umwalimu SACCO), bavugako bahuye n’akaga gakomeye nyuma yo guhagarikirwa imishahara maze ngo aho amashuri yongeye gufungurira bakisanga mu bukererwe bukabije bwatumye imishahara yabo ifatirwa yose uko yakabaye, ibintu ubusanzwe bavuga ko ngo bitemewe mu mategeko. Bemezako kuba bari baranditse impapuro zisaba guhagarikisha inguzanyo kandi babisabwe na SACCO, ngo byagombaga guhabwa agaciro, maze ngo igihe bamaze badahembwa kikiyongera ku gihe bari kuzarangiriza kwishyura nk’uko n’ubundi babyijejwe ubwo bandikaga izo mpapuro.

Uwitwa Mberabagabo wo mu Burasirazuba avugako yasubiye mu kazi mu kwa 11, 2020. Ngo yumvaga ko umushahara we uzagera kuri SACCO bagafataho ayo bari basanzwe biyishyura mbere y’uko umushahara we uhagarara. Gusa ngo siko byagenze kuko ngo yagiye guhembwa agasanga afite ideni rikabije. Abajije ikibazo cyaba gihari, ngo yasubijweko ari sisiteme(system) sacco ikoresha ihita ifata amafaranga ngo ku buryo bo nta kindi babikoraho. Yagize ati: “rwose ntakubeshye nabaye nk’ukubiswe n’inkuba nsanze nta faranga na rimwe mfite nkurikije inzara nari mfite nk’umuntu wari umaze amezi 9 yose ntahembwa. Bambwiye ko ngo ari system yabo, mbabaza niba iyo system idashyirwamo n’abantu, bansubizako ntacyo babikoraho ko nazajya kubariza i Kigali ku bindi byisumbuye”. Yagaragajeko ibi ari akarengane kuko ngo n’ubusanzwe bitemewe ko wafata umushahara w’umuntu wose utamusigiye n’utwo kumutunga. Ati: “Ubwo se bumva ko tubaho dute? Nta guhaha, ntiwatega ikinyabiziga, nta kugura ka Me2U, mbese ni ukudufatanya na Corona”.

Iki kibazo kandi agihuriyeho n’uwitwa Emmanuel wo mu Burengerazuba, ngo nawe yabanje kugirango wenda bizakosoka ariko ngo nyuma y’amezi abiri abona niko bikomeje ndetse ngo yumva n’abandi benshi bataka icyo kibazo. Ngo we yigiriye inama yo kuva muri iyi Bank ya mwalimu ariko ngo abajije uko bavamo abwirwa ko bigoranye. Yagize ati: “kumara amezi icyenda udahembwa birababaza cyane. Gusa birushaho kuba bibi iyo ugize gutya ukizerako noneho ugiye gukora ku gafaranga, ugakora utikoresha wajya guhembwa ngo wapi system yarayafashe. Wibaza niba system ari ikinyamaswa cya hehe bikagushobera. Njye nabajije kuri SACCO i Kigali bansubizako ngo tugomba kwaka izindi nguzanyo tukishyura iza mbere ngo nibwo tuzongera kubona imishahara yacu uko byari bisanzwe”.

Aba barimu bavuga ko aka ari akarengane gakomeye kuko ngo bumva bivugwa ko mu gihe cya Covid-19 hari amafaranga menshi Leta yashyize muri iyi Koperative yari ashinzwe kugoboka abarimu bigizwemo uruhare n’ibigo (muri gahunda yiswe IRAMIRO LOAN) ariko ngo amenshi akaba ataranafashwe. Bibaza uburyo bakomeza gusongwa na Koperative yitwa ko ari iyabo ndetse ngo banatangamo imigabane buri kwezi, nyamara yagakwiye gufata iya mbere mu gufasha abanyamuryango bayo bagizweho ingaruka na Covid-19.

Uwitwa Claude wo mu mujyi wa Kigali, we avuga ko kuba akorana na Koperative Umwalimu SACCO asigaye abifata nko kuba mu gihano kuko ngo ari uguhora mu nguzanyo zungura abandi wowe nta kintu ukuramo. Yagize ati: “numvaga ko nongeye kubona agashahara kanjye nkongera kubaka ubuzima. Nageze kuri SACCO bantegeka gufata indi nguzanyo ngo nishyure iya mbere n’ubukererwe bwo muri Covid-19. Mu by’ukuri nta kintu nasaguye natahanye ubusa. Ni ugukorera SACCO gusa. Birababaje cyane ubanza ari nayo mpamvu bayita Koperative yacu ni uko nta kintu itumariye ahubwo usanga ari ukuducuruzamo gusa”. Yakomeje avuga ko umwanzuro wa kigabo yafashe ari uko akwiye kuyivamo kuko ngo n’ahandi izo nguzanyo babakangisha bazitanga kandi bakabakirana umutima mwiza nta gasuzuguro nk’ako muri SACCO no kubasiragiza bya hato na hato. Avugako iyo SACCO iza kuba ari Koperative yabo koko, yari kumva ibyifuzo byayo ikanagendera no ku masezerano  bagiranye ubwo bahagarikishaga inguzanyo babisabwe nayo(Umwalimu SACCO) maze ngo ikabemerera kongererwa igihe cyo kwishyura(igihe cyo kwishyura kikongerwa hakurikijwe amezi umwarimu atahembwe muri corona) kandi ngo bigakorwa nta bukererwe kuko ngo icyorezo cyaje ari ikintu kidasanzwe ku isi yose, ngo kuba wahana umuntu ubyita ko yakerewe kwishyura bikaba ari nko kumusonga kandi Leta ihora ivuga ko irajwe ishinga no gufasha abagizweho ingaruka na Covid-19. Ngo n’ikimenyimenyi Ikigo cy’Igihugu cy’Imisoro n’Amahoro(Rwanda Revenue Authority) kikaba cyaratanze urugero rwiza gisonera imisoro abacuruzi batacuruje mu gihe cya Guma mu rugo.

Umuyobozi mukuru wa Koperative Umwalimu SACCO madame Uwambaje Laurence, asaba abarimu kudacibwa intege n’ibyo bahuye nabyo kuko ngo nazo ari zimwe mu ngaruka z’icyorezo, gusa akaba abizeza ko mu bufatanye bizakemuka. Yagize ati: “Turimo kwiga kuri iki kibazo kugira ngo habeho ubwumvikane hagati y’impande zombi, kandi tuzifashisha ubundi buryo nko gushaka inkunga mu kigega cyashyizwemo miliyari 100 z’amafaranga y’u Rwanda yo kuzahura ubukungu bwazahajwe na COVID-19 cyangwa twitabaze abafatanyabikorwa kugira ngo badufashe mu kuziba icyuho cy’amafaranga cyatewe n’ibura ry’amafaranga yaba ubwishyu, imishahara mu gihe cya  COVID-19 n’ibindi”.

Ibindi bibazo byavuzwe muri Koperative Umwalimu SACCO

  • Mu gihe cyashize kandi, amakoperative yasabwe n’Ikigo cy’Igihugu gishinzwe guteza imbere amakoperative (RCA) gutanga inyungu n’ubwasisi ku banyamuryango bayo, aho hari bamwe mu balimu bifuje ko n’Umwalimu SACCO wagira icyo ubagenera ku nyungu z’ubwizigame bwabo bwa buri kwezi bakatwa bungana na 5% by’umushahara. Iki kibazo kandi kikaba atari ubwa mbere cyari kizamuwe kuko akenshi usanga kigarukwaho n’abalimu batari bacye bifuzako bajya bahabwa kuri aya mafaranga.

Kuri iki kibazo n’ubundi cyiswe icyo kudafata neza abanyamuryango, Umuyobozi mukuru wa RCA ifite mu nshingano Umwalimu SACCO, Prof. Jean Bosco Harelimana, yavuzeko Umwalimu SACCO kimwe na SACCO z’Imirenge zitari mu zasabwe kugabana inyungu kuko zo ari ibigo by’imari, bitandukanye na Koperative zisanzwe aho abanyamuryango baba bishyize hamwe bahujwe n’ikindi kintu runaka ariko bakaba bagira umutungo.

  • Ikindi cyavuzwe kandi, ni inyungu y’umurengera ku nguzanyo y’ingoboka (Emergency Loan) aho abanyamuryango bishyuzwa inyungu igera kuri 16% hakaba n’abavugako bishyuzwa igera kuri 19%. Bakaba bavugako ibi byagakwiye guhinduka bakajya bayihabwa ku nyungu ingana n’iyo ku zindi nguzanyo kuko ngo aba ari amafaranga yabo bafataho.

Kuri iki kibazo ubuyobozi bwa Koperative Umwalimu SACCO bwagiye bwumvikana buvugako bukurikiza amategeko ya BNR agenga ibigo by’imari, ko rero inguzanyo nk’izi n’ahandi hose usanga zifite inyungu iri hejuru.

Koperative Umwalimu SACCO ni Koperative y’abarimu bo mu Rwanda yashinzwe ku gitekerezo cya Nyakubahwa Perezida wa Repubulika Paul Kagame muri 2006. Kuva mu mwaka wa 2008 itangira gukora kugeza magingo aya, imaze kugira abanyamuryango basaga 85 000. Ubuyobozi bwayo buvuga ko usanga umunsi ku munsi bahura n’imbogamizi z’abafata inguzanyo bagatinda kwishyura ariko nabo ngo si benshi kuko bagera kuri 3%(Imibare ya mbere ya Covid-19). Umunyamuryango ukora mu mashuri y’inshuke, abanza n’ayisumbuye ya Leta cyangwa afashwa na Leta ku bw’amasezerano, ku nguzanyo z’imishinga n’iz’ubwubatsi yishyura ku nyungu ya 11% ku mwaka, mu gihe abanyamuryango bo mu bigo byigenga n’abandi banyamuryango bakora mu nzego zifite aho zihuriye n’uburezi bahabwa inguzanyo ku nyungu ya 14% ku mwaka.

Leta y’u Rwanda niyo muterankunga w’imena kuko guhera muri 2013 yashyizeho inkunga yihariye ya miliyari 30 igomba gutangwa mu gihe cy’imyaka 10 bivuzeko izahagarara muri 2023.

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2 comments

Nkundurwanda February 28, 2021 at 8:33 am

Twizeye Leta y’Ubumwe bwacu bw’abanyarwanda ibi bibazo Abarezi bu Rwanda bafite ,Leta ndabizi ko babizi izabikemura kdi n’Umwarimu Sacco ugabanye gufatanya Abarimu na Covid-19
Merci

Reply
Pascal June 4, 2021 at 2:00 pm

Sacco ni abacuruzi nk’abandi ntibakatubeshye. Mwarimu bamurashe nk’igikinisho birirwa bamubeshya ngo Sacco sacco ukagirango bamuha ay’ubuntu

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