Ibibazo by’ingutu byashegeshe imirenge SACCO

Kuva mu 2008, Imirenge 416 mu Rwanda yatangiye imirenge SACCO, zigamije guteza imbere abaturage mu kuzigama no kubona inguzanyo z’iborohereza kandi buhendutse. Nyamara, nyuma y’imyaka 17, 238 muri izo SACCO zingana na (57.2 %) zahuye n’ibibazo bikomeye by’ubujura n’imyenda itishyurwa neza ,Ibi bibazo byahungabanyije uruhare rwazo mu guteza imbere abaturage bakennye.

Ubujura bw’Abakozi n’Abanyamuryango

• Aho ubujura byagaragaye:

  • SACCO ya Jabana: Rwf 430 miliyoni yaburiwe irengero

  • Mugunga (Gakenke): Rwf 67 milli., Isoko (Gasabo): Rwf 80 milli., Butare (Rusizi): Rwf 20 milli., Bweyeye: Rwf 24 milli.
    Izibi zari zikorwa n’abakozi cyangwa abanyamuryango bafite umubano na bo.

 Imyenda Itishyurwa Neza (Non-Performing Loans)

• Kuri Werurwe 2025:

  • 22 % by’inguzanyo za SACCO byariho imyenda idatijwe [<5 %]

  • 96 SACCO: imborrow 5‑10 %

  • 155: 10‑20 %

  • 70: hejuru ya 20 %

• 416 SACCO: non-performing loans zigeze kuri 16.3 % ugereranyije n’intego ya Banki Nkuru (≤ 5 %)

• aho ibi bibazo byagaragaye bavuga ko biterwa ahanini

1. Imicungire mibi: Gukoresha impapuro ntibyoroshya ubugenzuzi, hakaza kandi ikibazo cy’imyirondoro.

2. Ruswa n’ubunyangamugayo buke: Abayobozi bahohoterwa nk’uko Minisitiri Yusuf Murangwa yabitangaje .

3. Ubukana bw’inyungu: Hari aho zigera kuri 24 %, byagejeje abaturage kwikuramo inguzanyo mu bimina aho zo zabaga zigira inyungu nto .

4. Imbogamizi mu kubahiriza gahunda: Inyandiko zikoresha impapuro n’ibiciro by’imishinga bitagezweho.

Ingamba zafashwe n’Igihugu

• Sisiteme y’ikoranabuhanga: Gahunda yo gushyira SACCO zose kuri digital irangiye muri Kamena 2024, umugambi wo kuzihuza mu koperative bank ndaru (Co-op Bank) ugomba gusozwa mu 2026.

• Recovery Task Force: Yashinzwe gusubiza amafaranga abibwe, ifite abashinzwe ubugenzuzi, RIB, imanza… Imaze kuvugurura amafaranga arenze Rwf 2.7 miliyari, hagacyemuka ibirenze Rwf 400 milliyari byari mu madosiye

• Kubuzaho gutanga inguzanyo: Iyo SACCO igize imyenda yo kudatijwe cyane, yafungwa gutanga amafaranga kugeza iyisubije .

• Gusuzuma ubunyangamugayo: Abibye barashakishwa, bashyikirizwa ubutabera cyangwa bakishyura inyungu zabo.

Icyo Bivuze ku Baturage

• Umuhate mu kubaka ubushobozi: SACCO zishishikarizwa guhugura abakozi, gutanga umutekano mu micungire y’amafaranga, no gushyiraho abashinzwe igenzura (compliance officers) nabo bita ku myenda.

• Amabwiriza ya tekiniki: Imicungire ikoreshwa ikoranabuhanga, ibisabwa bikamerashe (digital credit appraisal), ni ngombwa kugira ngo hatagira ukwitwara nabi.

• Ubufatanye mu koperative: Imirenge SACCO izahurizwa hamwe mu koperative bank izatuma abanyamuryango babasha gukoresha konti zabo ahandi hose mu gihugu.

Intego z’Abayobozi

Minisitiri Murangwa yavuze ko ibintu bigomba kugerwaho binyuze mu:

• Gushyiraho ingamba zikomeye zo kwishyura imyenda

• Gukurikirana ibikorwa bya buri SACCO hakiri kare

• Mu gihe hakiri ibyo gukemura, gushaka ubutabera no guhana ababigizemo uruhare.

 Ibyo Abaturage Bashobora Gukora

• Guhitamo neza aho batora inguzanyo, bakanasaba ubusobanuro bwose

• Kureba inyungu z’inguzanyo zibarirwa neza, kandi ziri mu murongo w’amarangamutima (≤24 %)

• Kureba niba SACCO ikoresha ikoranabuhanga mu kugenzura