SACCO yagiriwe inama yo kugaruza amamiliyoni y’umukiriya yatanze atabizi kuko ari yo yabihomberamo

Me Ndikumana Elysee, umunyamategeko ubarizwa mu rugaga rw’Abavoka mu Rwanda, akaba ku rutonde rw’abahuza mu by’imanza rutangazwa n’urukiko rw’ikirenga ndetse na Noteri wigenga wo mu Karere ka Rusizi, aravuga ko SACCO ya Nyamyumba ishinjwa gutanga amafaranga yari konti y’umuturage witwa Bibutsuhoze Christine ikayaha umusimbura we ariko atabimenyeshejwe, aramutse areze iki kigo cy’imari cyakwirengera igihombo ndetse kikanatanga indishyi.

Mu minsi ishize nibwo twabagejejeho inkuru y’umugore witwa Bibutsuhoze Christine, ushinja Umuyobozi wa SACCO Ishakwe ya Nyamyumba, mu Karere ka Rubavu, ho mu Ntara y’Iburengerazuba kuba yarakuye kuri konti ye asaga miliyoni 12 Frw akayaha umusimbura we akaba n’umugabo we, Nizeyimana Alphonse, atatanze uburenganzira ndetse atabimenyeshejwe mu gihe yari azi neza ko nta n’umwe muri aba wemerewe kubikuza amafaranga kuri iyo konti bombi batabyemeranyije, ibintu afata nk’ubujura ndetse akanavuga ko uyu muyobozi wa SACCO yaba yarahawe ruswa.

Bibutsuhoze Christine ushinja SACCO kuvana amafaranga kuri konti ye atabizi

Amafaranga uyu mugore avuga ko ari umutungo w’urugo wanyerejwe ni amafaranga yishyuwe ku nzu yabo yagonzwe n’umuhanda agera kuri 12,300,000 Frw, ashyirwa kuri konti yafunguwe mu izina rye, Bibutsuhoze, umugabo we aba mandataire, kubera ko aba bombi bari basanzwe bari no mu makimbirane, habaho n’inyandiko ivuga ko ayo mafaranga ntawemerewe kuyabikuza batari kumwe kandi batabyumvikanyeho.

Mu kiganiro yagiranye na Bwiza, Bibutsuhoze yagize ati “Ati “ Mu nyuma yaje kunca inyuma we na banki, amafaranga yose barayamuha, ntibasigaho n’ifaranga na rimwe….nageze kuri banki bambwira ko amafaranga bayabikuye bitwaje umwanzuro w’urukiko. Kandi umwanzuro w’urukiko nta kintu wigeze uvuga ku mutungo wacu…kandi nta n’indi nyandiko yigeze ihaba ivuguruza iyo twari twakoze ivuga ko nta wemerewe kuyabikura tutabyumvikanyeho, tutari kumwe”.

Bwiza yegereye inzobere mu mategeko, Me Ndikumana Elysee wo mu Karere ka Rusizi, imubaza icyo amategeko ateganya mu gihe habayeho ikibazo nk’iki, abanza gusobanura aho banki n’ibigo by’imari bitandukaniye mbere yo kwinjira mu kibazo nyirizina.

Ati “ Tugarutse rero kuri iki kibazo cya Christine, mu by’ukuri wenda icyo twabwira abadukurikiye nuko ubundi umuntu ku giti cye ashobora gufungura konti mu kigo cy’imari cyangwa se muri banki…iyo amaze kuyifungura rero ikigo cy’imari kikamuha konti iyo konti iba ari iye ku giti cye. Ni ukuvuga ngo umugabo ashobora gufunguza konti, iyo konti iba ari iye ku giti cye ntabwo iba ihindutse iy’umuryango cyangwa se ni konti y’umugore. Ni ukuvuga ngo umuntu aba ayifiteho uburenganzira bwayo 100%. Bivuze y’uko nk’umugore wanjye aramutse afite konti akagenda iriho n’amafaranga menshi ariko atarigeze anshyira kuri iyo konti ye ko nagira uburengenzira bwo kuyibikuzaho ntabwo nshobora kugenda ngo nyibikuzeho ngo nuko twasezeranye uburyo twaba twarasezeranyemo bwose.”

Yakomeje agira ati “ Ariko ibi bigo by’imari cyangwa na za banki zitanga uburenganzira ku banyamuryango bazo, ko bashobora kwemerera abantu runaka yaba abo mufite icyo mupfana cyangwa mudapfana, akaba nawe yahabwa uburenganzira bwo kuba yakoresha kuri ya konti yawe cyangwa kuyibikuzaho. Ni bo dukunda kwita ngo ni ba ‘mandataires’. Ni ukuvuga ngo uba uhaye undi muntu uburenganzira bw’uko ashobora kujya kubikuza kuri ya konti.”

Avuga ko ariko muri uko gutanga uburenganzira kuri abo bitwa ba mandataires cyangwa abasimbura, biba ari ngombwa ko banki ikubaza niba wamuhaye uburenganzira bwo kubikuza ariko hakaba hari n’igihe ushobora kumuha uburenganzira bwo kutazajya abazwa uburenganzira yahawe na nyiri konti ku buryo igihe yabishakira cyose yagenda akabikuza.

Yongeyeho ko hari na konti iba ihuriweho (Joint account) iba itari iy’umuntu ku giti cye ahubwo iba ihuriweho n’abantu barenze umwe.

Ati “ Muri icyo gihe rero, ntabwo amafaranga ashobora kuva kuri konti bombi batabyemeranyijeho. Ni ukuvuga ngo bombi baba bagomba gusinya. Kuri kino kibazo rero cya Christine nkurikije ibyo twashoboye kubona, nuko we yari afite konti ye ku giti cye, ahubwo akagira umugabo we mandataire, cyangwa se undi muntu ushobora kumubera intumwa kuri iyo konti. Hanyuma ibyo byari bihaye umugabo uburenganzira bwo kuba yagenda akabikuzaho amafaranga. Byumvikana rero ko kujya kubikuzaho amafaranga ubwabyo nta kibazo cyari kibirimo, uko yaba angana kose, ntabwo byari ngombwa ko SACCO yabanza kujya guhamagara umugore ngo imubwire iti ko hari umuntu uje kubikuza amafaranga muri icyo gihe dukurikije imiterere ya konti nta kibazo byari biteye.”

Yakomeje agira ati “Ariko, dushingiye ku nyandiko twabonye, bariya bombi bandikiye Sacco, bakayibwira ko hari amafaranga azaba aturutse ku nyubako yabo agomba gushyirwa kuri iyo konti yabo ko nta wemerewe kuba yagenda ngo ajye kuyafata wenyine, atari kumwe na mugenzi we, byahise byambura SACCO ububasha bwo kuba yakwemerera uriya mugabo kubikuza kuri ayo mafaranga atari kumwe n’umudamu we. Ibyo rero byumvikane yuko mu by’ukuri hariya kiriya kigo cy’imari cya SACCO, iriya koperative, yakoze amakosa, ku buryo uriya Christine aramutse agannye inzego z’ubutabera zishobora kumurenganzura ku buryo iriya SACCO yabihomberamo igategekwa gusubiza uriya mudamu amafaranga.”

Ku kijyanye no kuba umuyobozi w’inama y’Ubutegetsi ya SACCO Ishakwe ya Nyamyumba yarisobanuye avuga ko batanze amafaranga bamaze kureba ku nyungu z’umuryango kuko ngo umugabo, utakibana n’umugore mu nzu ndetse bivugwa ko yashatse undi mugore, nyamara nta gatanya bahawe, yari akeneye aho kuba n’abana, Me Ndikumana avuga ko rimwe na rimwe abayobozi b’aya makoperative baba batamenyereye iimikorere y’ibigo by’imari bakazana amarangamutima.

Ati “Ndatekereza ko wenda akenshi uba usanga abaperezida b’ariya makoperative, ntabwo ari abantu baba bamenyereye imikorere y’ibigo by’imari…niyo mpamvu wenda numva n’ibyo yavuze yaba yarashyizemo amarangamutima. Ariko ikigo cy’imari reka nkite ko ari umukozi wa nyiri konti. Bagomba kugendera ku mabwiriza yabahaye. Konti ni uy’umugore. Niwe ubabwira ngo, amafaranga ari kuri konti yanjye, ntabwo mwemerewe kuyakuraho tutari kumwe na kanaka.

Akomeza agira ati “Ni ukuvuga ngo nta yandi mabwiriza kino kigo cy’imari cya SACCO cyagombaga kubahiriza atari ay’uwagifungurije konti. Umuntu wafunhujemo konti rero niwe wagihaye amabwiriza, ibyo kuvuga ko hari ibindi baba bararebyeho ntabwo bishoboka. Keretse baramutse, ari icyemezo cy’urukiko bari gushyira mu bikorwa, ahongaho nibwo bashobora kuvuga bati, ntabwo turi kugendera ku mabwiriza ya nyiri konti ahubwo turi kugendera kubyo icyemezo cy’urukiko cyategetse”

Kwizera Enock, Perezida w’Inama y’Ubuyobozi ya SACCO Ishakwe ya Nyamyumba

Ashimangira ko ari yo mpamvu ibyo umuyobozi wa SACCO yavuze yizera ko atakongera kubivuga, “ni nayo mpamvu uriya mudamu naramuka agannye inzego, cyane cyane nk’inkiko z’ubucuruzi, rwose bishoboka cyane ko iriya SACCO ishobora gutegekwa kugarura ziriya miliyoni zose.”

Ku kijyanye na none n’ibisobanuro umuyobozi wa SACCO yatanze avuga ko bashingiye ku ibaruwa bandikiwe n’umugabo asaba guhabwa ayo mafaranga, Me Ndikumana agira ati “ SACCO ntabwo yemerewe gufata amabwiriza aturutse ku wundi muntu ku giti cye, ngo barenge ku mabwiriza bahawe na nyiri konti. Ni ukuvuga rero y’uko, ntabwo SACCO kugendera kubyo uriya mugabo yayisabye kuko ntabwo azwi mu rwego rwa banki. Kuko bagiye no kubara ngo abanyamuryango dufite muri banki ni bande? Bazabonamo uriya mugore Christine, ntabwo bazigera babonamo umugabo we. Ni ukuvuga ngo rero, kuba baragiye guhabwa amabwiriza n’undi utari n’umunyamuryango wabo binagaragaza nyine imikorere mibi ni n’igisebo kuri bo”.

Mu gusoza iki kiganiro uyu munyamategekoyagiriye iyi SACCO inama yo gushaka ukuntu yahamagara umugabo yahaye amafaranga akagarura ayo mafaranga bikiri mu maguru mashya atarayakoresha kuko nitabikora ari yo izabihomberamo kuko yakuye amafaranga kuri konti y’umukiriya wayo atatanze uburenganzira.