Bamwe mu banyamuryango ba Karambi Vision SACCO mu murenge wa Karambi mu karere ka Nyamasheke bakoraga ubucuruzi buciriritse mbere ya COVID-19, imishinga yabo y’ubucuruzi ikaza gushegeshwa n’icyo cyorezo harimo n’abari bafite inguzanyo, baravuga ko haje icyiciro cya mbere cy’inguzanyo y’imishinga yagizweho ingaruka na COVID-19, yatangwaga na Leta ibinyujije mu kigega cy’ingwate (BDF), igihe banditse bayisaba babwirwa ko byahagaze hategerejwe icyiciro cya 2 kitagombaga gutinda, none ngo amezi 5 arihiritse bagitegereje,amaso yaheze mu kirere.
Baganira na Bwiza.com mu nama y’inteko rusange y’iki kigo cy’imari iherutse guterana, bayitangarije ko nk’uko byagendekeye bagenzi babo bagize amahirwe yo gufata iyi nguzanyo ku ikubitiro ikabazahura bigaragara, na bo bari biteze kubura umutwe ari ho bahereye kuko yari inguzanyo igamije kubagoboka, aho umuntu yahabwaga atarenga 1.000.000 azishyura ku nyungu nto cyane,bakaba bari bashimiye Leta uburyo ibazahuye,ahubwo bifuza ko iyo nguzanyo yava kuri 1.000.000 ikaba nibura 5.000.000 kuko ari bwo bajyaga kurushaho gukora banahangana n’ingaruka basigiwe na COVID-19,none byose ngo barabibuze.
Ndayisaba Albert wo mu kagari ka Kabuga, avuga ko mbere ya COVID-19 yacuruzaga ibifite agaciro k’amafaranga 2.500.000. Yafataga inguzanyo akazishyura neza nta kibazo. COVID -19 ije n’ibyayibayemo byose birimo na guma mu rugo byagize ingaruka zikomeye ku bucuruzi bwabo, imikorere yarahungabanye cyane nubwo ngo bakomeje gusora nk’uko basoraga mbere kandi ntacyo binjizaga.
Avuga ko aho COVID-19 igenjereje make baje kwisanga basigaye iheruheru kuko n’utwo bari basigaranye mu gishoro bari baraturiye turashira,ariko Leta,ibinyujije muri BDF ishyira mu mirenge SACCO inguzanyo igenewe imishinga yazahajwe na COVID-19, yibandaga cyane cyane ku y’ubucuruzi.
Ati: “Iyo nguzanyo narayimenye,ndandika ariko sinagerwaho mu ba mbere,jye na bagenzi banjye batagezweho mbere, baza kutubwira ko icyo cyiciro cyahagaze,ko BDF igiye kugira ibyo ivugururamo ikurkije ibyifuzo byacu,mu gihe gito cyane igasubukura gahunda natwe bikatugeraho.
Twabibwiwe mu mpera z’Ugushyingo umwaka ushize na n’ubu, turacyategereje,kandi abayabonye mbere biragaragara ko yabazahuye rwose. Atugezeho twavugurura imishinga yacu,abarimo inguzanyo bakishyura,abari baravuye mu nzira bagasubiramo, mbese ibintu byarushaho kugenda neza.’’
Nyiravuguziga Béatrice w’imyaka 31,utuye mu kagari ka Kagarama,avuga ko amaze imyaka 5 arangije kaminuza mu burezi, nta kazi kandi yigeze abona. Yabonye birambiranye ahitamo kureba icyo yakora,muri 2018, abitewemo inkunga n’umugabo we yasabye inguzanyo muri Karambi Vision SACCO atangira gucuruza ariko muri 2020 COVID -19 imukoma mu nkokora,ubucuruzi arabuhagarika kuko ngo yabonaga ahomba.
Avuga ko aho COVID-19 igenjereje make yaje kumva bavuga ko abafite imishinga yagizweho ingaruka na COVID-19 bandika basaba inguzanyo iri mu rwego rw’inkunga yatanzwe na Leta biciye muri BDF ngo bizahure na we arandika,ategereza igisubizo araheba.
Ati: “Nabonye bindambiye njya kubaza bambwira ko byahagaze, ngo nintegereze icyiciro cya 2 n’ubu amaso yaheze mu kirere. Byari kumfasha cyane kwizahura,sinkomeze kwitekerezaho kubera ubushomeri bw’igihe kirekire,kuko iyo umuntu ari umushomeri ntacyo yinjiza arushaho kwitekerezaho cyane,numva nyabonye hari aho yankura n’aho yangeza,ariko n’ubu nta kandi kanunu ndumva.’’
Icyo aba na bagenzi babo bahurizaho ni uko, niba koko BDF yarahagaritse iyo nguzanyo ivuga ko hari ibyo igiye kuvugururamo,yabyihutisha kuko batumva ivugurura rimara amezi 5 yose, bakayahabwa bakurikije ibyifuzo batanze birimo no kurenga imishinga y’ubucuruzi gusa hagafatwa n’indi,bagakora, igihe iki cyorezo cyaba gihagaze burundu bagasubira mu murongo bari bariho mbere.
Barabihuriraho n’umucungamutungo w’iki kigo cy’imari Bumbali Machiavel, uvuga ko hari abo bahaye icyiciro cya mbere ubucuruzi bwari bwaranze n’inguzanyo bari bafashe kuzishyura bitangiye kubananira,barizahura ubu bahagaze neza,abarimo imyenda bishyura neza,ariko ko mu mpera z’Ugushyingo umwaka ushize babwiwe ko hari ibigiye kuvugururwamo na we akabona bitinda.
Ati: “Ayo mafaranga mu by’ukuri yari yagiriye akamaro abaturage cyane urebye aho yabakuye. Mu mpera z’Ugushyingo twabonye ubutumwa buvuga ko bibaye bihagaze,bigiye kuvugururwa hakurikijwe ibyifuzo by’abaturage twari twatanze, batubwira ko bitazatinda ariko reba iki gihe cyose bifashe.
Niba bikorwa bagombye kubyihutisha abaturage bagahabwa ayo mafaranga kuko twe turi mu bayabonye mu ikubitiro turayatanga tunakurikirana ikoreshwa ryayo bigenda neza, n’ayo yandi aje byafasha cyane cyane abacuruzi bato bari bamaze gushirirwa ,gusubira mu mirimo.’’
Umuyobozi wa BDF ku rwego rw’igihugu, Vincent Munyeshyaka, yabwiye Bwiza.com ko kiriya cyari icyiciro cya mbere, bari bafite 6.569.000.000,bafasha imishinga 6740 mu gihugu hose, akavuga ko batahagaze, kuko mu cyiciro cya 2 babonye miliyari 8 bazakoresha mu myaka 5,aho nyuma y’ibyifuzo by’abaturage, bagiye kuyavana kuri 1.000.000 akagera kuri 5.000.000,ibindi bikaba bitazahinduka cyane,za SACCOs zikazajya ziyaha abaturage ku nyunga ya 8% nka mbere.
Ati: “Ibyo rero,ngira ngo ni cyo cyiciro bavuga ko cyatinze, ariko twagiye tubiganira n’abaturage,ubu tugiye gutangira kwakira amadosiye, n’ayo mafaranga dutangire tuyatange.’’
Arakomeza ati: “Ariko byumvikane ko n’ubu turi mu gukora kuko amafaranga arimo guhabwa abaturage,icyo twabasabye ni uko bategura imishinga mishya noneho ihabwa agera kuri 5.000.000 mu gihe mbere yari 1.000.000. Bikazatangira muri uku kwa 4 kuko icyo bisaba ni ukongera gukorana na za SACCOs tukavugurura amasezerano,abaturage bakongera bagasobanurirwa uko bizagenda kugira ngo bamenye amakuru, bikanasaba gutegura abakozi bacu uko bizakora,bakabisobanukirwa.
Ibyo rero muri uku kwa 4 byose tuzabishyiramo imbaraga ,ariko noneho na bariya 6740 bakurikirane za SACCOs zabo zibahe n’ayo y’icyiciro cya mbere kuko hari akiri muri za SACCOs ataratangwa mu baturage. Ni byo turi gukurikirana ko atangwa. Yose abanze atangwe, ayo azaze ayo yandi yaratanzwe. N’ayandi uku kwa 4 gushobora kurangira twatangiye kuyatanga.
Mu gihe byagiye bigaragara ko hari abafata inguzanyo bakayikoresha icyo itagenewe ugasanga ibaye nk’urusyo bigeretse ku mutwe, umuyobozi wa Karambi Vision SACCO Kagimbangabo JMV, asaba abafata inguzanyo kujya bazikoresha icyo bazifatiye,kugira ngo n’icyop cyiciro cya 2 nikiza, abo azageraho bazayakoreshe koko icyo bayasabiye kugira ngo azabazahure nk’uko Leta iyabaha ibibifuriza.
