Burera:SACCO-AKABANDO ibaye ubukombe

SACCO AKABANDO ni Koperative yo kubitsa no kugurizanya ikorera mu Murenge wa GAHUNGA, Akarere ka BURERA, Umurenge wa GAHUNGA, Intara y’Amajyaruguru. Yatangiye gukora ku itariki ya 27/7/2009, ibona ubuzima gatozi ku itariki ya 18/01/2008 bityo itangira gukora nka koperative. Yabonye icyemezo cyo gukora nk’ikigo cy’imari ku itariki ya 23/5/2012. Ni ikigo rwose cyubatse neza, gifite ubusitani bureshya abantu nkuko mubibona ku ifoto hasi.

Ubu ifite abanyamuryango bakabakaba ibihumbi bitandatu. Nka koperative rero, ifite inzego ziyiyobora harimo komite nyobozi, komite ngenzuzi, komite ishinzwe gutanga inguzanyo, komite y’amasoko ndetse na komite nkemurampaka.

SACCO AKABANDO kandi ifite abakozi 8 bigaragara ko bafite ubumenyi n’ubunararibonye kuko ifite abakozi 4 bafite impamyabumenyi yo mu rwego rwa A0 ndetse n’abandi 4 bafite impamyabumenyi ya A2 yo mu ibaruramari. Kubera imikorere myiza y’ikigo cy’imari icirirtse SACCO AKABANDO, byatumye  ari intangarugero mu Karere ka BURERA, mu ntara y’AMAJYARUGURU ndetse no mu gihugu .

Bamwe mu bakozi ba SACCO-AKABANDO

 

Ibyerekeranye n’inguzanyo

Abaturage b’umurenge wa GAHUNGA muri rusange ni abahinzi-borozi. Bahinga cyane cyane igihingwa cy’ibirayi, amasaka, ingano n’ ibishyimbo ndetse  n’ibihumyo cyane ko  bikenewe ku bwinshi mu mahoteli menshi  abarizwa mu Ntara y’amajyaruguru cyane cyane mu karere ka MUSANZE gahana imbibi n’akarere ka Burera mu murenge wacu wa GAHUNGA. Abaturage bo mu Murenge wa Gahunga borora inka n’amatungo magufi nk’ingurube n’inkoko.

Bityo rero inguzanyo SACCO AKABANDO itanga zibanda kuri ibi byose bivuzwe haruguru (Ubuhinzi n’ubworozi) kuko aribyo bigize ubuzima bwa buri munsi bw’abaturage b’umurenge wa GAHUNGA ndetse n’ab’imirenge yegeranye nawo.

N’ubwo bimeze bityo ariko, SACCO AKABANDO ntiyibagiwe n’izindi nguzanyo zijyanye n’ubuzima rusange  bwa muntu. Bityo  itanga n’inguzanyo z’ubucuruzi, iz’ubwubatsi, iz’amashuri, iz’ubuvuzi, iz’ibikoresho byo mu rugo (ibitanda, amafirigo, gazi, ibigega byo gufata amazi, intebe zo muri salo, televiziyo, imirasire….), iz’ubwikorezi (taxi voiture, moto, amagare) nk’uko muza kubibona ku mafoto.

Aba bamotari ni abo muri koperative COOTAMORWA .Izi moto bazibonye ku nguzanyo ya SACCO-AKABANDO

Ntirenganya Jacqueline wahawe inguzanyo y’ubwowrozi bw’inkoko

Aba bategarugori bahawe inguzanyo mu itsinda TUZAMURANE  REMERA

naho uyu muhinzi w’ibirayi yitwa Nimubanzi Emmanuel akaba yishimira umusaruro w’ibirayi akaesha inguzanyo ya SACCOO-AKABANDO

Ntirampeba Vestine wahawe inguzanyo yo guhinga ibihumyo.

 

Uyu ni Manishimwe Patrick wahawe inguzanyo ya minerval ubu arimo gusoza CPA

 

   Ubwubatsi bwa Nyirabageni Leonie

Ubu bwoko bwose bw’inguzanyo bwanogejwe bijyanye n’imiterere yabwo ku buryo byoroheye buri wese bitewe n’ubwoko bw’inguzanyo cyangwa umushinga we.

Izi nguzanyo zose zitangwa mu gihe gito gishoboka mu buryo bwo korohererza abanyamuryango gushyira mu bikorwa imishinga yabo badatinze.Bityo rero nta nguzanyo irenza iminsi icumi.Ni ukuvugako kuva ku itariki umunyamuryango azaniye dosiye isaba inguzanyo asubizwa bitarenze iminsi icumi.

Aha ni ku nguzanyo zisanzwe. Ku nguzanyo twita iz’ingoboka (abandi bati “inguzanyo zihuse”) ni ukuvuga inguzanyo zishyurwa mu gihe kitarenze amezi atatu (Decouverts mu rurimi rw’igifaransa cyangwa Overdraft mu cyongereza), izi nguzanyo ntizirenza iminsi ibiri.

Mu buryo bwo guhangana n’ibibazo by’urunguze byari bibangamiye abaturage b’umurenge wa GAHUNGA ndetse n’ab’imirenge yegeranye nawo, SACCO AKABANDO yagerageje koroshya no kwihutisha uburyo bwo gutanga inguzanyo    ku banyamuryango bayo.

Cyane ko urunguze rwabasabaga inyungu ihanitse ndetse nta no kubihanganira na gato. Bityo rero abarugiyemo bose bagiye bagira ibibazo bitandukanye birimo gutakaza amasambu, imanza zitarangira, ibibazo mu miryango (amakimbirane hagati y’abasangiye umutungo).Ibi nanone byafashije kandi bikomeje gufasha abanyamuryango ba SACCO AKABANDO kwirinda inyungu z’umurengera zisabwa n’ibimina igihe bagiye gufatayo inguzanyo kuko bikora ku buryo butazwi na Banki nkuru y’igihugu (Informal sector) hari ibyago byo kuba umutungo wabo bawubura.

Muri rusange rero inguzanyo SACCO AKABANDO iha abanyamuryango bayo ziratandukanye ku buryo buri wese yibonamo kandi zoroheye buri wese.

Ikindi cyiza SACCO AKABANDO ikorera abanyamuryango bayo basaba inguzanyo ni uko SACCO AKABANDO ifite abakozi babiri bashinzwe iby’inguzanyo. Hari umwe ushinzwe itangwa ry’inguzanyo n’undi ushinzwe iyishyurwa ryazo.

Ushinzwe itangwa ryazo mu nshingano ze harimo kwigisha abanyamuryango ikoreshwa ry’inguzanyo mbere yo kuyifata, no gufatanya nabo mu ikurikirana ry’uburyo imishinga yahawe inguzanyo irimo gushyirwa mu bikorwa.

Umukozi ushinzwe iyishyurwa ryazo ashinzwe kubonana n’uwahawe inguzanyo kuva ku munsi yayihereweho kugeza igihe arangirije kuyishyura. Ibi bivuze ko uyu mukozi agenda yibutsa umunyamuryango amatariki yo kwishyura, kumusura kenshi kugirango nihagira n’ikibazo cyo kwishyura azabe akizi neza, bityo umunyamuryango agirwe inama hakiri kare ni biba ngombwa yongererwe igihe cyangwa yongererwe andi mafaranga yo gusigasira umushinga bitewe n’ikibazo yahuye nacyo.

Ibi rero byatumye abanyamuryango ba SACCO AKABANDO biyumva neza muri koperative yabo kuko ibaba hafi. Ibi bigaragazwa n’uko ubu umwaka wa 2021 urangiye inguzanyo za SACCO AKABANDO yatanze muri uyu mwaka zariyongereye kukigero cya 77% ugereranyije n’izatanzwe mumwaka wa 2020, ndetse n’urugero rwo kwishyura inguzanyo rukaba rwariyongereye ku kigero cya 83% ugereranyije n’umwaka wa 2020. Ibi byose bikaba ari ibyo kwishimira cyane kubanyamuryango ba SACCO AKABANDO, kunzego ziyobora iyi koperative, kubakozi bayo ndetse no kuzindi nzego zikorana nayo.

Ubwizigame

Mu bikorwa bya ngombwa bya SACCO AKABANDO, kwakira ubwizigame bw’abanyamuryango ni ikintu cya ngombwa cyane kuko niho inguzanyo zihabwa abanyamuryango zituruka. Niyo mpamvu rero SACCO AKABANDO yatekereje ku bwoko butandukanye bw’ubwizigame kugirango abaturage bose babwibonemo.

SACCO AKABANDO ishishikariza abaturage b’umurenge wa GAHUNGA ndetse n’ab’imirenge yegeranye kwiteza imbere, bizigamira muri   SACCO AKABANDO .

SACCO AKABANDO ikangurira abaturage gufungura  konti kugirango bajye babitsaho amafaranga yose babonye uko yaba angana kose kuko ngo aratinda ariko akagwira.

Iyo amaze gufunguza konti rero yigishwa gutekereza kure agapanga ikintu yabasha gukora cyamuteza imbere. Niho rero SACCO AKABANDO ihereye kuri buriya bwoko bwose bw’inguzanyo bwavuzwe haruguru imusobanurira bityo agatangira gufungura ubwenge agatekereza icyo gukora. Iyo amaze gufata gahunda rero SACCO AKABANDO iyimuherekezamo.

SACCO AKABANDO ifite ubwoko bw’ubwizigame butandukanye: Ubwizigame bubikuzwaho uko umuntu ashatse;Ubwizigame bubikuzwa nyuma y’igihe cyumvikanyweho(Ubu bwizigame burungukirwa);Ubwizigame bw’umushinga runaka uteganyijwe(burungukirwa);Ubwizigame ngwate(ni ubwizigame bujyanye n’inguzanyo umuntu aba yatse) ubu nabwo burungukirwa;

Mubyeyi reka nige: Ubu ni ubwizigame bw’abana. SACCO AKABANDO yabutekereje murwego rwo gufasha ababyeyi guteganyiriza abana babo ibijyanye n’amashuri(amafaranga y’ishuri, ibikoresho by’ishuri,….). Mu gihe gufunguza konti zisanzwe bisaba ko umunyamuryango atanga umugabane, izi konti z’abana zo nta mugabane, umubyeyi agura agatabo n’ifishi gusa.

Kugirango abanyamuryango babashe gusobanukirwa no kwizigama kandi babikore, SACCO AKABANDO yifashisha abakozi bayo cyane cyane umucungamutungo na bariya bakozi babiri bashinzwe inguzanyo ndetse n’abagize inzego ziyobora SACCO AKABANDO(Komite Nyobozi, komite y’ubugenzuzi, komite y’inguzanyo, komite y’amasoko na komite nkemurampaka). Ibi babikora mubiganiro biba mumidugudu(inteko z’abaturage, mumuganda n’ahandi). SACCO AKABANDO kandi yifashisha batatu bayihagarariye muri buri mudugudu. Iyi ni gahunda yafashije SACCO AKABANDO kuko ubu abanyamuryango bayo biyongeye kukigero cya 11% ugereranyije n’abo yari ifite umwaka wa 2020.

Ntitwabura kandi kuvuga ko SACCO AKABANDO ari ikigo gicunzwe neza cyane kuko gifite inzego zikora neza ndetse n’abakozi bahagije kandi babifitiye ubushobozi.

Kampani ISCO niyo ikora uburinzi bwa SACCO-AKABANDO

Ikindi kandi ni ikigo cy’imari kirinzwe neza kuburyo butanga icyizere kuko kirinzwe na kompanyi y’uburinzi ibizobereyemo..

SACCO AKABANDO ni  koperative ikora neza cyane imaze kuba ubukombe , bityo tukaba dusaba abaturage b’umurenge wa GAHUNGA n’ab’indi mirenge batarayigana kwihutira gufunguzamo konti(nk’uko zavuzwe haruguru) kugirango nabo babone kuri ziriya serivisi zavuzwe bibonere inguzanyo kuburyo bworoshye kandi bwihuse, bafashwe gucungirwa neza imishinga yabo, baherekezwe mu ishyirwa mubikorwa ryayo ndetse boroherezwe no kwishyura bityo biteze imbere kuburyo bufatika.

Uwitonze Captone

Sangiza abandi iyi nkuru ............................................

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