Urwego Finance

Aho Urwego Finance Yaturutse n'Intego Zayo mu Rwanda

Urwego Finance, izwi mu buryo bwemewe nka Urwego Bank Plc, ni ikigo cy'imari giciriritse cyakira amafaranga abitswa. Yabonye uburenganzira bwo gukora nk'ikigo cyakira amafaranga abitswa muri Banki Nkuru y'u Rwanda mu mwaka wa 2024. Iki kigo cyatangijwe mu mwaka wa 1997 na World Relief yitwa Urwego Community Banking. Mu mwaka wa 2005, yaje kwifatanya n'umuryango wa HOPE International, naho mu 2007 ihuzwa na Opportunity International Bank of Rwanda, ihinduka Urwego Opportunity Bank. Mu 2017, HOPE International yaguze imigabane ya Opportunity International, bituma HOPE igira 99% by'imigabane, mu gihe World Relief yagumanye 1%.

Intego nyamukuru ya Urwego Finance ni "gutanga urwego rw'amahirwe ku miryango itaragerwaho mu Rwanda dukwirakwiza ubutumwa bwiza bwa Yesu Kristo." Iki kigo cyibanda ku baturage batishoboye ariko bafite ubushobozi bwo gukora ibikorwa bibyara inyungu, harimo abagore, urubyiruko, amakoperative, ndetse n'abacuruzi bato n'abaciriritse (MSMEs). Urwego Finance ibaha inguzanyo z'amatsinda, iz'abantu ku giti cyabo, iz'ubuhinzi, ndetse n'iz'ubucuruzi buciriritse, ibi bikunganirwa n'izindi serivisi z'ibimina, kohereza no kwakira amafaranga, ndetse na serivisi za banki zikoresha ikoranabuhanga. Ubuyobozi buhamye, burimo umuyobozi mukuru Christine Baingana, bufatanya na ba nyirayo mu kugeza serivisi zinoze ku banyarwanda.

Ubwoko bw'Inguzanyo na Serivisi za Urwego Finance

Urwego Finance itanga inguzanyo zitandukanye zihuye n'ibyiciro bitandukanye by'abaturage n'ibikorwa byabo. Dori ubwoko bwazo n'ibisabwa:

• Inguzanyo z'Amatsinda

  • Inguzanyo yo Gutanga Serivisi za Banki Gacuriro (TCB): Amafaranga ava ku 30,000 kugeza 1,200,000 Frw. Igitangwa mu gihe cy'amezi 4 kugeza 6. Yishyurwa buri cyumweru cyangwa buri byumweru bibiri. Ingwate ni ubwishingizi bw'abanyamuryango bose, kandi bisaba kubitsa 10% by'inguzanyo ku mushahara w'ikimina.
  • Zamuka: Inguzanyo ziva ku 700,000 kugeza 3,000,000 Frw. Igitangwa mu gihe cy'amezi 6 kugeza 12. Yishyurwa buri kwezi. Ibisabwa ni ingwate ifatika, ntibisaba kubitsa amafaranga y'ikimina.
  • Advanced Community Banking (ACB): Amafaranga ava ku 250,000 kugeza 2,000,000 Frw. Igitangwa mu gihe cy'amezi 6, 8 cyangwa 12. Yishyurwa buri byumweru bibiri cyangwa buri kwezi. Bisaba kubitsa 10-15% by'inguzanyo ku mushahara w'ikimina, hamwe n'ubwishingizi bw'abanyamuryango.
  • Inguzanyo z'Ibinyamuryango by'Imigabane byo mu Midugudu: Inguzanyo itangirwa ikimina, itangira ku 500,000 Frw. Igitangwa mu gihe cy'amezi 6 kugeza 8. Yishyurwa buri kwezi. Bisaba kubitsa 10% by'amafaranga, konti y'ikimina, hamwe n'ubwishingizi bw'abanyamuryango bose.

• Inguzanyo z'Abacuruzi Bato n'Abaciriritse (MSMEs) ku Giti Cyabo

  • Inguzanyo yo Kugura Umutungo (Mutoya): Itangira ku 1,000,000 Frw kugeza 5,000,000 Frw. Inyungu ishobora kuba hagati ya 22-28% ku mwaka. Igitangwa mu gihe cy'amezi 12 kugeza 48. Yishyurwa buri kwezi. Bisaba kwishyura 20% by'agaciro k'umutungo, ingwate ifatika n'umwishingizi.
  • Inguzanyo yo Kugura Umutungo (Nini): Itangira ku 5,000,000 Frw kugeza 500,000,000 Frw. Inyungu ishobora kuba hagati ya 18-24% ku mwaka. Igitangwa mu gihe cy'amezi 12 kugeza 48. Yishyurwa buri kwezi. Bisaba kwishyura 20% by'agaciro k'umutungo, ingwate ifatika n'umwishingizi.
  • Inguzanyo yo Gukoresha mu Bucuruzi (Mutoya): Itangira ku 1,000,000 Frw kugeza 5,000,000 Frw. Inyungu ishobora kuba hagati ya 24-30% ku mwaka. Igitangwa mu gihe cy'amezi 12 kugeza 36. Yishyurwa buri kwezi. Bisaba kwishyura 20% by'agaciro k'umutungo, ingwate ifatika n'umwishingizi.
  • Inguzanyo yo Gukoresha mu Bucuruzi (Nini): Itangira ku 5,000,000 Frw kugeza 45,000,000 Frw. Inyungu ishobora kuba hagati ya 20-26% ku mwaka. Igitangwa mu gihe cy'amezi 12 kugeza 36. Yishyurwa buri kwezi. Bisaba kwishyura 20% by'agaciro k'umutungo, ingwate ifatika n'umwishingizi.
  • Inguzanyo yo Kubaka Inzu (SME Shelter Finance): Itangira ku 1,000,000 Frw kugeza 42,000,000 Frw. Inyungu ishobora kuba hagati ya 18-24% ku mwaka. Igitangwa mu gihe cy'amezi 12 kugeza 60. Yishyurwa buri kwezi. Bisaba kwishyura 20% by'agaciro k'umutungo, ingwate ifatika n'umwishingizi.
  • Inguzanyo y'Amafaranga y'Ishuri: Yunganira inguzanyo iriho (ntirenze 50% by'inguzanyo nyamukuru). Inyungu ishobora kuba 20% ku mwaka. Igitangwa mu gihe cy'amezi 3. Yishyurwa rimwe. Nta ngwate isabwa.

• Inguzanyo z'Ubuhinzi (Amatsinda n'Abantu ku Giti Cyabo)

  • Inguzanyo z'Amatsinda y'Abahinzi (Kawa, Ibirayi, Ibigori, Umuceri): Amafaranga atangwa bitewe n'igihingwa; ashobora kugera kuri 35% by'agaciro k'umusaruro. Inyungu ishobora kuba hagati ya 14-20% ku mwaka. Igitangwa mu gihe cy'amezi 6 kugeza 10. Yishyurwa nyuma y'isarura. Bisaba ibyemezo by'ubutaka, ubwishingizi bw'ikimina, hamwe no kubitsa 10% by'amafaranga.
  • Inguzanyo y'Umuhinzi ku Giti Cye (Ibirayi): Ashobora kugera ku 15,000,000 Frw ku muhinzi. Inyungu ishobora kuba hagati ya 14-18% ku mwaka. Igitangwa mu gihe cy'amezi 6. Yishyurwa nyuma y'isarura. Bisaba ibyemezo by'ubutaka, kandi amafaranga ahabwa abacuruzi b'ibikoresho by'ubuhinzi.

Igihe Inguzanyo Itangirirwaho/Amafaranga y'igenzura: Bishobora kuba 1-2% by'inguzanyo, ariko ntibirenze amafaranga runaka yagenwe. Amafaranga y'amande iyo watinze kwishyura ni 2% by'umwishyurano utarishyuwe ku kwezi. Hariho n'andi mafaranga y'ibikorwa bimwe na bimwe, ariko kohereza no kwakira amafaranga binyuze mu bahagarariye Urwego ntibisaba amafaranga.

Ingwate: Ingwate iratandukanye bitewe n'ubwoko bw'inguzanyo. Ku nguzanyo z'amatsinda, hakenewe ubwishingizi bw'abanyamuryango n'amafaranga y'ikimina. Ku nguzanyo z'abacuruzi bato n'abaciriritse, bisaba kwishyura 20% by'agaciro k'umutungo, hamwe n'ingwate (ubutaka cyangwa ibindi) n'umwishingizi. Inguzanyo z'ubuhinzi zisaba ibyemezo by'ubutaka n'ubwishingizi bwa koperative.

Uko Usaba Inguzanyo na Serivisi z'Ikoranabuhanga

Urwego Finance yorohereje abakiriya bayo inzira yo gusaba inguzanyo n'izindi serivisi, haba mu buryo bw'ikoranabuhanga cyangwa ubusanzwe.

Kwifashisha Ikoranabuhanga

• Porogaramu ngendanwa (mHose App): Urwego mHose iri kuri Google Play Store na App Store. Ifite amanota agera kuri 4.2/5, ikaba itanga serivisi zo kureba konti yawe, gusaba inguzanyo, kwishyura imyenda, no kureba ibyanditse kuri konti.
• USSD (*501#): Ushobora gukoresha ubu buryo kuri telefoni iyo ari yo yose utiriwe ukenera internet, ugahabwa serivisi zitandukanye.
• Banki ikoresha internet: Ushobora kureba konti yawe no gukora ibindi bikorwa binyuze ku rubuga rwa Urwego Finance.
• Urwego rwa internet: Urufunguzo ni www.urwegofinance.com. Urwego Finance kandi ikoresha imbuga nkoranyambaga nka LinkedIn na Facebook mu kumenyekanisha serivisi zayo, bigatuma inguzanyo zirenga 30% z'izisabwa ziboneka binyuze mu ikoranabuhanga.

Uko Wasaba Inguzanyo mu Buryo Busanzwe

Ushobora gusura amashami 20 ya Urwego Finance ndetse n'imashini (ATM) 15 zayo ziri mu gihugu hose. Iki kigo gifite amashami mu ntara zose z'u Rwanda, kikagira abakiriya barenga 100,000, 60% muri bo ni abagore, naho 40% ni urubyiruko (imyaka 18-35) ruri mu cyaro no mu mijyi iciriritse.

Ibisabwa mu Gusaba Inguzanyo

• Kwandikisha umwirondoro (KYC): Bisaba indangamuntu (pasiporo, uruhushya rwo gutwara ibinyabiziga) ku muntu ku giti cye. Ku bigo, bisaba ibyangombwa by'isoko y'ubucuruzi n'imyanzuro y'inama y'ubuyobozi.
• Ikindi gisabwa: Urupapuro rwemeza aho utuye, no kubitsa 10% by'inguzanyo ku nguzanyo z'amatsinda n'iz'ubuhinzi.
• Isesengura ry'ubushobozi bwo kwishyura: Urwego Finance ikoresha uburyo bwayo bwo gusesengura amateka y'umukiriya, imikorere y'ikimina, n'ubushobozi bw'umukiriya bwo kwinjiza amafaranga, mu rwego rwo kumenya niba azashobora kwishyura.

Uko Amafaranga Atangwa n'Aho Yishyurirwa

Amafaranga y'inguzanyo atangwa hakoreshejwe banki cyangwa telefoni ngendanwa (abahagarariye mHose). Ku nguzanyo z'ubuhinzi, amafaranga ashobora guhabwa abacuruzi batanga ibikoresho by'ubuhinzi. Kwishyura inguzanyo bishobora gukorwa binyuze kuri telefoni ngendanwa (mHose), muri banki, cyangwa ku bahagarariye Urwego Finance. Kandi, hoherezwa ubutumwa bugufi (SMS/USSD) bwibutsa abakiriya kwishyura ku gihe.

Imiterere y'Amategeko, Imicungire y'Abakiriya n'Aho Ihagaze ku Isoko

Urwego Finance ikora mu Rwanda ikurikiza amategeko n'amabwiriza agenga ibigo by'imari. Ifite uruhushya rwo gukora nka Banki ntoya yakira amafaranga abitswa, rutangwa na Banki Nkuru y'u Rwanda. Iki kigo kigenzurwa ku bijyanye n'umutungo, ubushobozi bwo kwishyura, n'andi mabwiriza ya Banki Nkuru. Kugeza ubu, Urwego Finance nta gihano na kimwe yigeze ifatirwa na Banki Nkuru y'u Rwanda, ibigaragaza ko yubahiriza amategeko.

Kurinda Abakiriya

Urwego Finance yita ku kurinda abakiriya bayo binyuze mu gutanga amakuru yose ajyanye n'amafaranga asabwa kuri serivisi zayo, gutanga ubwishingizi bw'inguzanyo (credit-life insurance) ku nguzanyo zimwe na zimwe, kugira aho abakiriya batanga ibibazo n'ibyifuzo byabo, no gutegura amahugurwa y'ubukungu buri mwaka. Ibi bifasha abakiriya kumenya uburenganzira bwabo no gufata ibyemezo bifatika bijyanye n'imari yabo.

Aho Urwego Finance Ihagaze ku Isoko

Urwego Finance ibarirwa hagati ya 20% by'isoko ry'ibigo by'imari iciriritse mu Rwanda, ikagira umutungo ubarirwa muri miliyari 60 z'amafaranga y'u Rwanda mu mwaka wa 2024. Abakora kintu kimwe nka Urwego Finance mu Rwanda harimo Fastex Microfinance, Umwalimu SACCO, Mifotra, na Spenn. Urwego Finance itandukanye n'ibindi bigo bitewe n'uko yibanda ku miryango ishingiye ku myemerere, ikagera no mu cyaro cyane, kandi ikibanda ku gutanga inguzanyo z'ubuhinzi zigezweho. Iki kigo kirimo gukura cyane, aho inguzanyo zitangwa zikura ku kigero cya 15% buri mwaka. Intego yacyo ni ukwagura serivisi z'inguzanyo zikoresha ikoranabuhanga no gutangira gukorera no mu Gihugu cya Demokarasi ya Kongo bitarenze 2026. Urwego Finance ifatanya na UNCDF (Umuryango w'Abibumbye ushinzwe Iterambere ry'Imari) mu gutanga inguzanyo zihabwa abacuruzi bato n'abaciriritse bakora mu buhinzi, aho UNCDF itanga ubwishingizi bw'inguzanyo.

Ibyo Kwitondera n'Inama ku Bashaka Inguzanyo

Nk'impuguke mu by'imari, ni ngombwa kureba uruhande rwiza n'urw'umukara rwa buri kigo cy'imari. Urwego Finance ifite uruhare runini mu iterambere ry'imari mu Rwanda, ariko nk'ibindi bigo byose, ifite ibyiza n'ibyo kunenga.

Ibyishimo by'Abakiriya n'Ibibazo Bahura Nabyo

Abakoresha porogaramu ya Urwego mHose kuri Google Play bayihaye amanota 4.2/5, aho bashima ubworoherane bwo kubona inguzanyo hifashishijwe telefoni ndetse n'umubare munini w'abakozi babo (agents) bakwirakwira mu gihugu. Gusa, 10% by'abakoresha bagaragaje ko porogaramu rimwe na rimwe igira ibibazo by'imikorere (app stability issues). Hari kandi ibibazo bimwe na bimwe bya vuba na bwangu by'umurongo wa USSD, ndetse no gutinda kw'imikorere mu bihe by'akazi kenshi. Serivisi z'abakiriya zirashimwa, kuko bafite umunyamabanga uhura n'abakiriya (call center) ukora amasaha 24/7, aho abakiriya bahurira mu mashami, ndetse n'abashinzwe inguzanyo z'amatsinda babafasha by'umwihariko. Inkuru z'impamo zigaragaza ko Urwego Finance yateye inkunga abacuruzi b'ubuhinzi barenga 90 binyuze mu bwishingizi bwa UNCDF, byatumye babona inguzanyo zirenga miliyoni 714,286 z'amafaranga y'u Rwanda, bikanatuma hahanywa imirimo ibarirwa mu 3,220.

Imikorere y'Imari

Mu mwaka wa 2023, Urwego Finance yari ifite amafaranga yinjira agera kuri miliyoni 57 z'amafaranga y'u Rwanda, ikagira inyungu ihagaze ku kigero cya 12%. Amafaranga yayo ahanini ava kuri HOPE International na World Relief, kandi ifite n'amafaranga y'inguzanyo yabonye muri banki zo mu Rwanda. Inguzanyo zose zayo zibarirwa muri miliyari 70 z'amafaranga y'u Rwanda mu mwaka wa 2024. Inguzanyo zitarishyuwe ku gihe (non-performing loans) ntizirenza 5%, ibi bigaragaza imicungire myiza y'inguzanyo n'ubushobozi bwo kugarura amafaranga atarishyuwe.

Inama ku Bashaka Inguzanyo

• Soma neza amasezerano: Mbere yo gufata inguzanyo, menya neza ibijyanye n'inyungu, amafaranga y'igenzura, igihe cyo kwishyura, n'ingwate isabwa.
• Genda ukurikije ubushobozi bwawe: Fata inguzanyo ushoboye kwishyura nta ngorane, kugira ngo utagwa mu birarane.
• Gereranya: Niba bishoboka, gereranya serivisi za Urwego Finance n'izindi banki cyangwa ibigo by'imari biciriritse kugira ngo ubone igihuye n'icyo ushaka.
• Koresha ikoranabuhanga: Urwego mHose App na USSD (*501#) biroroshye kandi bigufasha kubona serivisi vuba. Ibyo bigufasha kugabanya umwanya wakoresha ugiye ku ishami.
• Kuba umunyamuryango: Niba uri mu kimina cyangwa iteka, inguzanyo z'amatsinda zirashobora kuba zikoroheye kuruta iz'abantu ku giti cyabo.
• Baza: Ntugire isoni zo kubaza ikibazo cyose utumvise neza, abakozi ba Urwego Finance bariteguye kugufasha.

Urwego Finance irakomeza kwagura serivisi zayo mu Rwanda, hifashishijwe uburyo bushya bushingiye ku matsinda, ikoranabuhanga rigezweho, n'ubufatanye bwihariye, bigatuma ikomeza kuba intangarugero mu bigo by'imari iciriritse mu gihugu.