Rusizi: Abagana SACCO baracyahabwa servisi mu buryo bwa gakondo kandi ibikoresho bigezweho byatwaye akayabo bihamaze igihe

Abagana SACCO bajya gushaka amafaranga babitsa cyangwa baguzamo, bakomeje guhangayikishwa no kuyagendana igihe kirekire cyangwa kuyararana mu nzu ashobora guhura n’ibibazo bitandukanye, nyamara bamaze imyaka irenga 7 babwiwe ko hagiye kuza imikorere y’ikoranabuhanga aho bagombaga kujya basaba serivisi z’amafaranga muri SACCO bagezeho yose mu gihugu, muri 2018 bakanabwirwa ko ibikoresho by’ikoranabuhanga byaguzwe bakibaza ikibura ngo bikoreshwe icyo byaguriwe.

Iki ni ikibazo kigaragara muri za SACCO zose zo muri aka karere ngo kikaba n’ahandi henshi mu gihugu, aho bamwe mu banyamuryango b’ibi bigo by’imari bavuga ko babwiwe muri 2014 ko hagiye gutangira imikorere y’ikoranabuhanga kuko bari barambiwe iya gakondo bamwe mu bacungamutungo b’ibi bigo by’imari n’abandi bakozi babyo baheragaho babanyerereza amafaranga kuko muri aka karere iki kibazo cyavuzwe cyane.

Bavuga ko byakomeje kugenda biguruntege uko hakozwe inama z’ inteko rusange babyizezwa bagategereza bagaheba, muri 2018 babwirwa ko haguzwe ibikoresho by’ikoranabuhanga, aho,hari izagiye zigura ibya miliyoni zirindwi kuzamura hakaba n’izigura ibya miliyoni 11, bizezwa ko bigiye gukemuka,abacungamutungo n’abaperezida b’inama z’ubutegetsi z’ibi bigo by’imari bakavuga ko babisabwe n’ikigo cy’igihugu cy’amakoperative( RCA),ko ngo byari bigiye gukunda, bakababazwa n’uko ibi bikoresho bikomeje gusazira mu bubiko bwabyo,ibindi bikoreshwa icyo bitagenewe, bo bakomeje gukoresha gakondo.

Uwo mu murenge wa Bweyeye ati: “Turacyahangayika rwose kandi twagombye kuba dukoresha ikoranabuhanga bikoroha. Reba nko kuvana amafaranga hano ngiye kurangura I Kamembe nkayatwara mu ikoti hari abazi ko nshuruza bashobora kuyanyambura cyangwa kuza kuyansinda hejuru nijoro kuko bazi ko nayabikuje.’’

Yarakomeje ati: “Iyi SACCO mu bihe bishize yagize ibibazo by’inyerezwa ry’umutungo biturutse kuri iyi mikorere ya gakondo yo ku mafishi,ukumva ngo amafaranga yanyerejwe biturutse ku mafishi kandi koko ntiyabura kwibwa urebye ingorane zibirimo. Ikindi ni itinda rya serivisi kuko kugira ngo bazajye gushaka ifishi yawe bayibone, bandike amafaranga mu bitabo, bayabarishe intoki, n’ibindi nk’ibyo bajye kuyaguha, turahababarira cyane rwose tugatakaza igihe kirekire cyane.

Ko tubwirwa ko haguzwe ibikoresho by’ikoranabuhanga ngo tworoherwe,ikibazo kiri he ko bidakemuka?’’

Mu mahugurwa y’iminsi 3 yahuje abaprezida b’inama z’ubutegetsi,abacungamutungo n’abaperezida ba za ngenzuzi za SACCOs zose z’aka karere n’ikigo cy’igihugu cy’amakoperative ( RCA), ku itegeko rishya rigenga amakoperative n’uburyo bw’imicungire iboneye y’ibi bigo by’imari,iki kibazo cyagarutsweho cyane, mu kiganiro na Bwiza.com, bagaragaza ko kibangamye cyane,hadindira byinshi, byaba ibidindizwa n’iyi mikorere, byaba n’ibi bikoresho bimwe byangiriikira mu bubiko bwabyo,ibindi bigenda birenza igihe n’ibikoreshwa imburagihe, ikoranabuhanga ryazatangira hakazagurwa ibindi n’ibyari bihari bitarakoze icyo byaguriwe kandi byaratwaye akayabo.

Nsabimana Benjamin,umucungamutungo wa Ubumwe SACCO Gikundamvura ati: “Kirahangayikishije cyane,haba ku baturage cyane cyane abo mu byaro bahorana impungenge z’amafaranga yabo bakura muri ibi bigo by’imari,haba mu buryo bw’inguzanyo cyangwa bayabikuje ndetse n’abayazana kuyabitsa bashobora guhura n’ingorane mu mayira, kimwe n’itinda rya serivisi binubira kandi twaraguze ibikoresho by’ikoranabuhanga tubizeza ko bikemutse.’’

Arakomeza ati: “Iyi mikorere ya gakondo tumazemo imyaka irenga 10 idindiza serivisi cyane kuko niba umukiliya aje ukajya kubanza gushaka ifishi mu bubiko bwayo biratinda ubwabyo,kuko hari n’igihe wayishaka ugasanga wayibitse mu mwanya utari uwayo,yaboneka,ushinzwe gutanga amafaranga akayandika ku ifishi, mu bitabo bya SACCO no mu gatabo k’umunyamuryango,akayabara n’intoki,n’ibindi nk’ibyo, nawe mbwira icyo gihe cyose, tutavuze kuyavana iwacu agiye kurangura Kamembe ayafite.

Twagombye kugeza iki gihe dukoresha ikoranabuhanga kuko n’ibyo kwiba abaturage bavuga,muri iyi mikorere bishoboka cyane kandi namwe mugenda mu byumva hirya no hino, RCA ikimara kutubwira ko ikoranabuhanga ryaje,muri 2018 twaguze ibikoresha akayabo k’amafaranga ngo bigiye kugenda neza,byanze bimwe dutangira kubikoresha icyo bitari biguriwe icyo gihe, dufite impungenge ko nibongera kutubwira tuzagura ibindi,ayo akaba ari amafaranga menshi ahagendeye mu buryo butateganijwe. Nibura byihuse twakwihangana ariko iyi mikorere idindiza tukayivamo.’’

Mugambage Richard ushinzwe amakoperative atanga serivisi z’imari muri RCA,yemera ko iyi mikorere ya gakondo ikidindiza iterambere ry’ibi bigo by’imari n’ababigana,umushinga wo kubigezamo ikoranabuhanga ukaba waratangiye guhera muri 2015,ugamije kubishyiramo iryo koranabuhanga no kubihuza ku rwego rw’Akarere ariko bikanagira banki y’amakoperative.

Ati: “Uwo mushinga rero umaze igihe, wagiye udindira,muri 2017 twari twarabonye rwiyemezamirimo wari watsindiye iryo soko,imirimo ye irimbanije biba ngombwa kubwira SACCOs zigure ibikoresho by’ikoranabuhanga bizazifasha kurikoresha.
Bimaze kugurwa biza kugaragara ko ikoranabuhanga uwo rwiyemezamirimo yari azanye ritari rimeze neza,biba ngombwa ko amasezerano na we ahagarikwa,biba SACCOs zaramaze kubigura,ubu ziracyabibitse,ubu dufite irindi koranabuhanga ryakozwe n’abanyarwanda,izo mu mujyi wa Kigali zamaze kurikoresha kimwe n’imwe yo muri Rubavu,nta kibazo.’’

Avuga ko iki gikorwa gikomereje mu turere twa Rubavu na Gicumbi,akemeza ko nubwo byaguzwe ari byinshi bimwe bigakoreshwa ibindi bikabikwa, ibibitse ntacyo byabaye kuko nk’aho ryatangiye gukoreshwa nta bindi byaguzwe, akavuga ko nta gihombo cyabayeho mu kubigura,akavuga ko na COVID-19 yagize uruhare mu idindira ry’ishyirwa mu bikorwa ry’uyu mushinga,ariko ko umwaka utaha uzarangira nta SACCO n’imwe yo mu gihugu itarikoresha.

Avuga kandi ko iyi mikorere ya gakondo irimo ibibazo byinshi birimo n’ibi by’ubujura bwagiye buvugwa muri za SACCOs zimwe na zimwe mu gihugu kuko kwibira ku mafishi ngo byoroha cyane, n’iyi mikorere abaturage n’abayobozi b’ibi bigo by’imari binubira ko ibadindiza ikanatuma hari abatabigana bakagumisha amafaranga mu ngo cyangwa bakigira ahandi,akabasaba bose kwihangana kuko bigiye gutungana, akanaboneraho kubasaba imicungire myiza y’uyu mutungo w’abaturage,kuko uzawucunga nabi we ibyo kumwihanganira byamaze kurangira.