Muganga SACCO

I. Incamake n'Amateka ya Muganga SACCO mu Rwanda

Muganga SACCO, izina ryuzuye ikaba ari Muganga Savings and Credit Cooperative, ni Koperative y’Ubuhahirane mu Kuzigama no Kugurizanya yanditswe mu buryo bwemewe n’amategeko ku itariki ya 24 Mutarama 2022, ikigo cy’igihugu gishinzwe amakoperative (RCA/0015.2022) kiyemerera gukora. Nyuma yaho, ku itariki ya 25 Nyakanga 2022, Banki Nkuru y’u Rwanda (BNR) yayihaye uruhushya rwo gutangira gukora nk’ikigo cy’imari cyemerewe kwakira amafaranga y’ubwizigame no gutanga inguzanyo. Iyi koperative yashinzwe mu mwaka wa 2017 nk’itsinda ry’ubufatanye ry’abakozi b’ubuzima, ariko nyuma iza guhinduka SACCO yemewe mu mwaka wa 2022.

Ikorera ku bufatanye, aho buri munyamuryango afite umugabane ungana na 50,000 FRW kandi agira ijwi rimwe mu nama rusange. Uburyo Muganga SACCO ikoramo bushingiye ku gukangurira abanyamuryango bayo kuzigama no kubaha inguzanyo z’inyungu nto. Intego nyamukuru ni uguteza imbere imibereho n’iterambere ry’abakozi b’ubuzima, baba abakorera muri Leta, abikorera ku giti cyabo, n’abajyanama b’ubuzima. Ibi bigamije no gutuma baguma muri uwo mwuga kandi bagakora neza.

Ubuyobozi bwa Muganga SACCO burimo abantu b’inararibonye mu nzego zitandukanye. Umuyobozi Mukuru (Director General) ni Madamu Claudine Uwambayingabire. Hari kandi Inama y’Ubuyobozi igizwe n’abanyamuryango batanu batowe, ndetse n’amatsinda ya Komite Ishinzwe Kugenzura (Supervisory Committee) na Komite Ishinzwe Inguzanyo (Credit Committee). Mu rwego rw’abakozi bakuru, harimo Sylvere Mugumya (washinze Digital Health), Jean Paul M. (Umuyobozi Mukuru ushinzwe ingaruka n’iyubahirizwa ry’amategeko), Norbert Ishimwe (ushinzwe ikoranabuhanga), na Jean Paul Bugirimfura (Umuyobozi ushinzwe guteza imbere ubucuruzi).

II. Serivisi z'Inguzanyo n'Akarusho ka Muganga SACCO

Inguzanyo zitangwa:

Muganga SACCO itanga ubwoko butandukanye bw'inguzanyo bwagenewe kwihutisha iterambere ry'abakozi b'ubuzima, haba mu mibereho yabo ya buri munsi no mu mishinga yabo y'ubucuruzi:

• Inguzanyo z'Icyerekezo (Quick Cash): Izi ni inguzanyo z'umuntu ku giti cye zigenewe gufasha abanyamuryango gukemura ibibazo byihutirwa cyangwa gushyira mu bikorwa imishinga mito.
• Inguzanyo z'Ubucuruzi: Zigenewe abashaka kwagura cyangwa gutangira ubucuruzi bwabo bujyanye n'ubuvuzi, nk'amavuriro, farumasi, cyangwa ibindi bikorwa by'ubuzima.
• Inguzanyo zo Kubaka/Kugura Amazu (Housing Loans): Zigiye gutangira mu kwezi kwa Mata 2025, zizafasha abakozi b'ubuzima kubona cyangwa kubaka amazu yo guturamo, bikaba ari inguzanyo zishobora kumara igihe kirekire.

Uko Amafaranga n'Inyungu Bicungwa:

• Inguzanyo Ntarengwa: Inguzanyo ntoya umuntu ashobora kwaka ni 50,000 FRW. Ku nguzanyo zo kubaka amazu, umuntu ashobora kugurizwa kugeza kuri Miliyari 1.5 FRW. Ku zindi nguzanyo, bikunze kugaragara ko zidarenza Miliyoni 10 FRW.
• Inyungu: Inyungu zikunze kuba hagati ya 12% na 18% ku mwaka, ariko ibi bishobora guhinduka bitewe n'ubwoko bw'inguzanyo n'igihe cyo kwishyura. Ni ngombwa ko umuntu abaza neza inyungu nyayo ku bwoko bw'inguzanyo ashaka.
• Igihe cyo Kwishyura: Inguzanyo z'Icyerekezo zishyurwa mu gihe gito (amezi 3 kugeza 12). Inguzanyo z'ubucuruzi zishobora kwishyurwa mu gihe cya hagati (umwaka 1 kugeza kuri 5). Inguzanyo zo kubaka amazu zishobora kwishyurwa mu gihe kirekire kugeza ku myaka 20.
• Amafaranga y'Ibyangombwa n'Andi:
  • Amafaranga yo gutunganya dosiye (Origination Fee): Ni 1% by'inguzanyo, ariko atari munsi ya 5,000 FRW.
  • Amafaranga y'igenzura (Processing Fee): Ni amafaranga y’idengamajwi angana na 2,500 FRW.
  • Amafaranga y'ubukerererwe: Ku muntu utinze kwishyura, habarwa 0.5% buri kwezi ku mafaranga atarishyurwa.

Ingwate n'Ibindi Bisabwa:

• Ku nguzanyo z'umuntu ku giti cye: Bisaba abantu baguhamiriza (abemeza umwenda) cyangwa ukemerera SACCO kugabanya amafaranga ku mushahara wawe buri kwezi.
• Ku nguzanyo z'Ubucuruzi: Bishobora gusaba ingwate nk'ibyangombwa by'ubutaka cyangwa imitungo y'ubucuruzi.
• Ku nguzanyo zo Kubaka Amazu: Bisaba ko inzu ubaka cyangwa ugura iba ingwate y'inguzanyo.

III. Uburyo bwo Gusaba Inguzanyo n'Imikorere y'Ikoranabuhanga

Inzira zo Gusaba:

Muganga SACCO yorohereje abanyamuryango bayo uburyo bwo gusaba inguzanyo ikoresheje inzira zitandukanye:

• Porogaramu Ngendanwa (Mobile App): Porogaramu ya Muganga SACCO iboneka kuri App Store (iOS) na Google Play (Android). Abakoresha bayo bayihaye amanota ya 4.2/5, ikaba yorohereza abanyamuryango gusaba inguzanyo, kureba amafaranga bafite, guhererekanya amafaranga no gukora gahunda z'ubwizigame.
• Ikoranabuhanga rya Internet (Internet Banking): Ushobora gukoresha urubuga rwabo rwa ibank.mugangasacco.rw.
• Urubuga rwa Internet (Website): Ushobora no gusaba inguzanyo unyuze ku rubuga rwabo www.mugangasacco.rw.
• Amashami: Hari ishami rikuru mu Mujyi wa Kigali muri Silverback Mall, i Kicukiro, ndetse hari na gahunda yo kwagura amashami mu tundi duce tw'igihugu.

Uko Bakira Abakiriya n'Isuzuma ry'Ubushobozi:

Muganga SACCO ikoresha ikoranabuhanga mu kwakira abanyamuryango bashya no kubasuzumira ubushobozi:

• Kwiyandikisha hifashishijwe ikoranabuhanga (eKYC): Bisaba ko wohereza indangamuntu yawe (BVN) n'ifoto yawe ya digitale.
• Kwemeza umwirondoro: Ku bantu bashya babaye abanyamuryango bwa mbere, haba hakenewe kugera ku ishami kugira ngo umwirondoro w'umunyamuryango wemezwe neza.
• Kuzigama bwa mbere: Bisaba kubitsa byibuze 10,000 FRW kugira ngo umuntu abe umunyamuryango wuzuye.
• Igenzura ry'ubushobozi bwo kwishyura: Muganga SACCO ifite uburyo bwayo bwihariye bwo kugenzura ubushobozi bw'umukiriya bwo kwishyura inguzanyo. Bishingira ku mushahara, igihe umuntu amaze akora akazi, amateka y'ubwizigame bwe, n'ibindi bijyanye n'umwuga w'ubuvuzi. Inguzanyo zitarageza kuri Miliyoni 2 FRW zifatirwaho umwanzuro n'ikoranabuhanga, mu gihe izirenze zigenzurwa na komite ishinzwe inguzanyo.

Uburyo bwo Gutanga Amafaranga no Kwishyurisha:

Amafaranga y'inguzanyo atangwa mu buryo butandukanye bworohereye abanyamuryango:

• Kuyohereza kuri banki: Ushobora kuyoherezwa kuri konti yawe muri banki iyo ari yo yose mu Rwanda.
• Kuri Mobile Money: Ushobora kuyahabwa kuri konti yawe ya Mobile Money (MTN cyangwa Airtel).
• Kuyakura ku ishami: Ushobora kugana amashami ya Muganga SACCO ukayakurerayo mu ntoki.

Uburyo bwo kwishyurisha burimo ubutumwa bugufi n'ubuhamagarira kwishyura binyuze muri porogaramu, gukatwa ku mushahara ku masezerano n'abakoresha, guhindura uburyo bwo kwishyura ku bagize ibibazo, na ho gushyikiriza urukiko bikaba ari uburyo bwa nyuma.

IV. Ishami ry'Amategeko, Imyanya mu Isoko, n'Ibigwi by'Abakiriya

Imyemerere n'Amategeko Agenga:

Muganga SACCO yemewe ku mugaragaro na Banki Nkuru y'u Rwanda (BNR) nk'ikigo cy'imari cyemerewe kwakira amafaranga y'ubwizigame no gutanga inguzanyo, ikandi ikagenzurwa n'Ikigo cy'Igihugu gishinzwe Amakoperative (RCA). Ikorera mu bwisanzure bwuzuye bw'amategeko, ikurikiza amategeko agenga ibigo by'imari iciriritse (Itegeko N° 072/2021) n'ay'amakoperative (Itegeko N° 024/2021). Kugeza ubu, nta bihano by'amategeko byigeze bivugwa kuri Muganga SACCO, bigaragaza ko yubahiriza amategeko neza. Yubahiriza kandi amabwiriza yo kurengera abakiriya, harimo gutangaza amakuru mu mucyo, gukusanya imyenda mu buryo buboneye, no kurengera amakuru y'abakiriya.

Muganga SACCO mu Isoko ry'Inguzanyo:

Muganga SACCO iracyafatwa nk'ikigo gishya ariko cyihuta mu iterambere mu isoko ry'inguzanyo mu Rwanda. Igereranywa ko ifite 8% by'isoko ry'inguzanyo zihabwa abakozi b'ubuzima. Icyayiranga cyane ni uko yihariye gusa abakozi b'ubuzima, ikoranabuhanga igezweho, n'ubufatanye na USAID Ireme Project kuva mu 2017. Abanywanyi bayo bakuru ni Health SACCO, CPS Inyange SACCO, ndetse n'inguzanyo "Health Loan" za Banki ya Kigali. Hagati ya 2021 na 2022, umubare w'abanyamuryango wayo wiyongereyeho 75%, naho umutungo wiyongeraho 18%, ugera kuri Miliyari 6 FRW. Ifite intego yo kwagura ibikorwa byayo mu karere ka Afurika y'Uburasirazuba. Ikorana na USAID Ireme, Minisiteri y'Ubuzima, ibigo by'amashuri, na MTN Rwanda mu bijyanye na mobile money.

Ibyo Abakiriya Bavuga n'Icyerekezo:

Porogaramu ya Muganga SACCO ifite amanota meza (4.2/5 kuri Google Play), abakiriya bashima cyane ubworoherane bwo kuyikoresha, nubwo rimwe na rimwe havugwa kudakora neza kwa serivisi zayo. Ibirego bikunze kugaragara ni ukudindira mu gutanga inguzanyo (15% by'ibibazo byoherezwa ku kigo cy'abakiriya) ndetse no gusaba abemeza umwenda benshi. Icyakora, serivisi y'abakiriya iboneka mu buryo butandukanye (telefoni, imeri, ubutumwa bugufi) ikemura 85% by'ibibazo mu masaha 48. Hari n'inkuru z'impamo zigaragaza uko Muganga SACCO yafashije abanyamuryango bayo, urugero rwa Enock Muvandimwe wafashijwe inguzanyo kwagura farumasi ye.

Mu bijyanye n'imikorere y'amafaranga, mu mwaka wa 2022 umutungo wose wa Muganga SACCO wari Miliyari 6 FRW, yiyongereyeho 18% mu mwaka umwe. Inyungu net yari Miliyoni 32 FRW, nyuma yo gushora mu bikorwa by'ikoranabuhanga. Inkunga y'ibanze yaturutse kuri USAID Ireme, ndetse n'imigabane y'abanyamuryango. Inguzanyo zitarishyurwa neza ni 2.8% (ku mpera za 2023), bikagaragaza imicungire myiza y'ingaruka. SACCO ikoresha uburyo butandukanye bwo kugenzura ingaruka, harimo kugenzura ingwate zitandukanye, ubugenzuzi bukorwa n'ikoranabuhanga, no kugerageza ubushobozi bw'imari mu bihe bigoye.

V. Inama ku Bashaka Kugurizwa na Muganga SACCO

Ku bakozi b'ubuzima mu Rwanda bashaka serivisi z'inguzanyo n'ubwizigame, Muganga SACCO irashobora kuba igisubizo cyiza. Ariko nk'umusesenguzi mu by'imari, nagira inama zikurikira:

• Soma neza Amasezerano: Mbere yo gusinya, menya neza ibijyanye n'inyungu, amafaranga y'ibyangombwa, n'igihe cyo kwishyura. Niba hari icyo utumvise, baza.
• Suzuma Ubushobozi Bwawe: Ongera urebe niba ubushobozi bwawe bw'amafaranga buguhagarariye neza kwishyura inguzanyo ushaka. Ni ngombwa kwirinda kugurizwa amafaranga menshi atari ku rwego rwawe.
• Gegeranya na Abandi: Nubwo Muganga SACCO yihariye abakozi b'ubuzima, ni byiza kugereranya serivisi zabo n'iz'abandi banywanyi bakuru mu isoko kugira ngo umenye neza aho wakura inyungu nyinshi.
• Koresha Ikoranabuhanga: Byungura gufata umwanya wo kumenyera porogaramu ngendanwa ya Muganga SACCO n'urubuga rwa internet. Ibi bizagufasha gucunga konti yawe neza no gusaba serivisi byihuse.
• Komeza Amateka meza: Kugira amateka meza yo kuzigama no kwishyura inguzanyo neza muri Muganga SACCO bishobora kugufungurira imiryango y'inguzanyo nini n'inyungu nziza mu gihe kizaza.

Muganga SACCO igaragaza icyerekezo cyiza mu guteza imbere imibereho y'abakozi b'ubuzima mu Rwanda, ikoresheje uburyo bwa koperative n'ikoranabuhanga. Ku bagize umuryango w'ubuzima, ni ingenzi kwibonera serivisi zayo no kuzikoresha mu buryo bwiza bushoboka.