Baremerewe n’akayabo k'inguzanyo bahawe na BRD igakoreshwa mu buriganya

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Baremerewe n’akayabo k'inguzanyo bahawe na BRD igakoreshwa mu buriganya

Yanditswe August, 19 2019 at 10:07 AM | 6527 Views



Hirya no hino mu gihugu hari amakoperative y’abahinzi b’icyayi bagera ku 8,500 barimo kwishyuzwa miliyari 6 z’amafaranga y’u Rwanda y’inguzanyo yatanzwe na Banki y’Amajyambere y’u Rwanda BRD ariko abayishyuzwa bavuga ko yatanzwe mu buriganya, ku buryo ayo mafaranga yose batigeze bayabona.

Abahinzi b’icyayi bo mu Karere ka Nyaruguru mu Ntara y’Amajyepfo bibumbiye muri koperative COOTHEMUKI ni bamwe mu bahawe umwenda wa Banki y’amajyambere y’u Rwanda BRD, agera kuri miliyari 2,129,800,000.

Mu myaka itatu bamaze batishyura ideni rimaze kwiyongeraho miliyari 1,109,900,000. Bakaba basanga bazarangiza kuwishyura mu mwaka w’2046 wararenze miliyari 8.

Abasabye inguzanyo mu izina rya Kkoperative COOTHEMUKI bagaragaje ko ubuso buhingwa butaribwo, hegitari 1,307 nyamara ari hegitari 775.

Bageze muri koperative amafAranga nga yahabwaga n’abadafite imirima y’icyayi, abayifite bamwe bafungurizwa konti muri SACCO mu mazina yabo, amafranga yabo abikuzwa n’abandi banahinga imirima yabo. 

Umuhinzi w’icyayi witwa Callixte Nsanzimana yagize ati “Baje kunyaka agatabo ngo bashyireho amafaranga bahembe abahinze, ndababwira nti kubera ko mwahinze ntahari agatabo ndakabima, nkabimye rero baragiye bafunguza konti yabo ku izina ryanjye barayikoresha, barahemba barangije igihe cyo kubagara kigeze ubwo twari tumaze kwumvikana na koperative n'akarere kamaze kubumvisha ko iyo mirima bayisubiza mu maboko y'abahinzi, byarangiye agatabo bakampaye ubwo ngize aka kabiri nasanzeho amafaranga ibihumbi 360,000 yasagutse, ubwo rero ni  yo nahereyeho mbagara kuri miliyoni 5 arenga.”

Umuhinzi w’icyayi witwa Venant Habiyakare avuga ko ibyo bakorewe akarengane.

Ati “Ndabyita akarengane kuko niba umuntu yarangiriye mu murima akawukoresha agatwara n’amafaranga ntampemo n'ijana nkaba ngiye kumwishyurira ntanamuzi kaba ari akarengane.”

Muri iyi koperative kandi hari n’ababeshye ko bafite imirima bahabwa inguzanyo n’ifumbire ariko biza kugaragara ko batigeze bahinga icyayi kandi inguzanyo yabo ubu yishyurwa na koperative. 

Hari ndetse n’abafashe inguzanyo ngo bubakirwe uruganda rw’icyayi ruzabagurira umusaruro, rutinda kuboneka icyayi gipfa ubusa.

Evariste Mujyacyeye ati “Nategereje uruganda ndarubura rufata icyayi, icyayi twagisoroma kikamenwa tubura aho tukijyana uruganda rero ntirwaza icyayi turakihorera.”

Na ho Mutoniwase Marie Jeanne ati “Jyewe mbona nishyura ideni ariko noneho nakumva yuko ideni ryanjye rimaze kwikuba mbese izo miliyari 2 zimaze kwikuba zigeze ahandi hantu kandi nkatekereza n’abo bantu batakigikorera bakiretse ngo dufatanye kwishyura iryo deni nanjye nkumva ncitse intege nkibaza uko bizagenda bikanyobera.”

Perezida w’iyi koperative COOTHEMUKI Ndashimye Aloys avuga ko kugeza ubu bishyura miliyoni 3 buri kwezi ku buryo mu myaka 30 bazaba bamaze kwishyura miliyoni 700, gusa nyamara umwenda uzaba ari miliyari 8.

Yagize ati “Ubukererwe tubazwa miliyari imwe na miliyoni 129 twumva rero twasaba ko hakorwa ubuvugizi iryo deni cyagwa ubwo bukererwe umuhinzi atagizemo uruhare bukaba bwakurwaho hanyuma abahinzi bakoroherezwa kwishyura inguzanyo ya BRD cyane ko iyo umuhinzi asoromye akatwa amafaranga 43 ajya kwishyura iyo nguzanyo ya BRD.”

Mu karere ka Nyamasheke na ho abahinzi b’icyayi bibumbiye muri koperative COTHEGA yo mu Murenge wa Karambi bahawe umwenda wa miliyari imwe na miliyoni Magana arindwi none ubu ugeze kuri miliyari 3 n’igice.

Na bo ngo ntibazi imikoreshereze y’uwo mwenda kuko hari igice cyubakishijwe ivuriro kandi abahinzi ari bo bawishyura.

Umwe muri bo yagize ati “Ntitwari tuziko ari ideni, ari amafaranga yacu tuzishyura ndetse igihe cyarageze n'abaganga bahavurira bishyurwaga na koperative twebwe abahinzi twari dufite amafaranga badukuragaho kuri buri kilo n'imiti ni twe twayiguraga.”

Undi muhinzi w’icyayi yagize ati “Niba barampaye ibihumbi 225 kugeza ubu nkaba maze imyaka irenze 5 nishyura bakomeza, ese ayo mafaranga ntararangira? Ese niba atararangira nsigaje angahe ngo mbe najya no mu rugo ndebe ahandi yava ariko icyo kive imbere? “

Uhagarariye impuzamahuriro y’amakoperative y'abahinzi b'icyayi mu gihugu, FERWACOTHE, Karamaga François, avuga ko hari uburiganya bwakozwe na bamwe mu bahawe inguzanyo ndetse n’ubuyobozi bwa koperative.

Yagize ati “Rero ubu icyo turimo gukora ni ukubarura abo bantu kugira ngo noneho tubishyire hamwe inzego zose zirebwa n’icyo kibazo tugerageze gushaka ababigizemo uruhare bashobore kubibazwa abandi na bo bashobora gufashwa kugira ngo imirima yabo itange umusaruro na byo bigakorwa. Ubu ni yo gahunda turimo kugira ngo umusaruro ushobore kuzamuka, ushobore kuba mwinshi kugira ngo BRD ishobore kubona ubwishyu bwayo.”

Umuyobozi Mukuru wa Banki y’Amajyambere y’u Rwanda, BRD, Eric Rutabana avuga ko hari gahunda yo kureba uburyo bazagabanyirizwa inyungu bishyuriraho ya 15%.

Ati “Muri izo koperative 5, eshatu muri zo zikoresha amafaranga agera kuri 40 ku kilo bishyura umwenda ni ukuvuga yuko ufashe ikigereranyo cy'amafaranga 203 ugakuraho 40 kugira ngo bishyure inguzanyo. Ikindi kandi ni uko babandi bagurisha ikilo ku mafaranga 262 uburemere bw'umwenda buba buri hasi cyane kuko hari bamwe bakoresha 25 bitewe n'inguzanyo koperative iba ifite bivuze rero ko n’ubwo bashobora kuba bafite impungenge zo kutabasha kwishyura natwe icyo tugerageza kubafasha ni ukugira ngo kwishyura inguzanyo bitababangamira bakomeze kwishyura kandi bakomeze imirimo yabo isanzwe.”

Ku buso bwose bwa koperative COOTHEMUKI buhinzeho icyayi, hari 30% byabwo icyayi cyaho cyapfuye nticyasimbuzwa ku buryo ari kimwe mu bituma umusaruro ukiri hasi.

Nyamara ubuyobozi bw'Ikigo cy'Igihugu gishinzwe guteza imbere ibyoherezwa mu mahanga bikomoka ku buhinzi n'ubworozi, NAEB buvuga ko kongera umusaruro n'ubwiza bw'icyayi hari icyo bizafasha.

Issa Nkurunziza / ushinzwe ibyoherezwa mu mahanga yagize ati “Nk’uyu mwaka tugiyemo mu kwezi kwa 9 mu kwa 10 byibuze buri koperative mu bufatanye yateguriwe ingemwe zigera hafi ku bihumbi 400 yo gusimbuza aho icyayi cyaba kitarafashe ariko ni gahunda ikomeza. Ubu dufite gahunda yuko uyu mwaka tuzabashakira ibikoresho byategura ingemwe zigera hafi kuri miliyoni 19.

Muri 2011 ni bwo abahinzi b'icyayi ibihumbi 8,500 bo mu makoperative 5 yo mu turere twa Rutsiro, Karongi, Nyamagabe, Nyaruguru na Nyamasheke bahawe inguzanyo ya miliyari 3 na miliyoni 169 ku nyungu y'8%. Mu 2012 BRD yabongeye indi nguzanyo ya miriyari 2 na miliyoni 900 ku nyungu ya 15%. 

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