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NO: 001 Mutarama-Kamena 2019 Koperative Magazine
Politiki y’Amakoperative mu Rwanda
AMAKURUPg 6: Gahunda yo
gukorera mu Makoperative no kwihangira imirimo
Pg 14: Coproriz Ntende intangarugero mu makoperative
Pg 20: Umuco w’ubutore mu Makoperative
Mu rwego rwo kwihutisha iterambere ry’Igihugu, hashingiwe ku
cyerekezo 2020 n’izindi gahunda z’Igihugu nka (SDGs), nyuma ya
Genocide yakorewe Abatutsi mu 1994, Guverinoma y’ubumwe
bw’abanyarwanda yashyizeho gahunda y’Igihugu yo guteza imbere
amakoperative kuko iyabona nk’umusingi w’iterambere rirambye.
Page:4
ABAGORE BITEJE IMBERE BICIYE MURI KOPERATIVE
Page:13
Bimwe mu byagezweho n’Amakoperative
Page:12
www.rca.gov.rw
No 001Mutarama
KAMENA 2019
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NO: 001 Mutarama-Kamena 2019 Koperative Magazine
AMWE MU MAKOPERATIVE akorera mu rwanda
IBIRIMOIjambo ry’ikaze 3
Politiki y’Amakoperative mu Rwanda
4
Gahunda yo gukorera mu Makoperative no kwihangira imirimo
6
Uruhare rw’Amakoperative mu bukungu bw’igihugu
9
Dusobanukirwe n’Amakoperative yo kuzigama no kugurizanya
SACCOs/COOPEC
10
Bimwe mu byagezweho mu Makoperative
12
Kurwanya inyerezwa n’imicungire mibi Y’umutungo mu
Makoperative
19
Umuco w’ubutore mu Makoperative
20
Umunsi Mpuzamahanga mu Makoperative
22
ICYEREKEZO (VISION):
Icyerekezo cy’Ikigo cy’Igihugu gishinzwe guteza imbere
Amakoperative mu Rwanda ni iki:
“Amakoperative ni amashyirahamwe y’abikorera n’ibigo
by’ubucuruzi byigenga bigamije gutanga umusanzu ugaragara wo
guhindura igihugu mu rwego rw’imibereho y’abaturage n’ubukungu
binyuze mu guhanga imirimo ibyara umusaruro no gutuma abantu babona
ubutunzi”.
INSHINGANO (MISSION):
Inshingano y’Ikigo cy’Igihugu gishinzwe guteza imbere
Amakoperative ni iyi:
“Guha ubushobozi amakoperative kugira ngo abe moteri ifasha
abanyamuryango guhanga imirimo itanga umusaruro, kongera umusaruro,
no kongera igishoro mu rwego rw’imibereho y’abaturage n’imari
hagamijwe impinduka mu rwego rw’imibereho y’abaturage
n’ubukungu”.
INTEGO NYAMUKURU (OBJECTIVE):
Intego nyamukuru y’Ikigo cy’Igihugu gishinzwe guteza imbere
Amakoperative ni ugushoboza Urwego rw’Amakoperative kugira uruhare
rw’ingenzi mu iterambere ry’ubukungu bw’igihugu.
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NO: 001 Mutarama-Kamena 2019 Koperative Magazine
Mw’izina ry’ikigo cy’Igihugu gishinzwe guteza imbere
Amakoperative mu Rwanda (RCA). Mbahaye ikaze musoma iyi nomero ya
mbere y’ikinyamakuru ’’KOPERATIVE MAGAZINE’’
KOPERATIVE MAGAZINE ifite intego zo kumenyesha Abanyamuryango ba
Koperative byumwihariko, abanyarwanda abaturarwanda,
abafatanyabikorwa, ndetse n’abandi bose muri rusange abaturarwanda,
abafatanyabikorwa muri rusange , Politiki ingenga amakoperative mu
Rwanda ndetse n’amakuru ajyanye n’Amakoperative, herekanwa
uburyo
Koperative ari inzira nziza ifasha kwihutisha ubukungu
n’iterambere rirambye ry’Igihugu, kurwanya ubukene no kuzamura
imibereho y’Abanyarwanda hashingiwe ku cyerekezo 2050, Igihugu
cyiyemeje kugeraho.
Muri iki kinyamakuru KOPERATIVE MAGAZINE, kizajya gisohoka mu
mezi atandatu tuzajya tubagezaho amakuru y’ibikorwa bijyanye
n’iterambere ry’Amakoperative mu byiciro by’Ibikorwa bitandukanye
hirya no hino mu Gihugu, tugaragaza ko koperative ari umuyoboro
mugari wo kurwanya ubukene ndetse ikaba n’isoko y’ibikorwa bibyara
inyungu ku banyamuryango bayo n’Igihugu.
Muri iyi numero ya mbere murasangamo kandi incamake ya Politiki
igenga Amakoperative mu Rwanda yemejwe tariki ya 08/08/2018,
murasangamo kandi ibikorwa byinshi byiza by’amakoperative
y’itangarugero n’uko Amakoperative zafashije abanyamuryango kwikura
mu bukene.
Tuboneyeho gushimira abafatanyabikorwa bacu, ubufatanye
n’umurava badahwema kutugaragariza kugira ngo RCA igere ku
inshingano zayo. Ibitekerezo n’Inyuganizi byanyu kugira ngo RCA
irusheho kugera ku inshingano zayo, tuzakomeza kubyakirana yombi.
Kubindi mwakenera kumenya kuri RCA mwasura urubuga rwacu
www.rca.gov.rw mukaduha ibitekerezo byanyu.
Murakoze.
Prof. HARELIMANA Jean Bosco Umuyobozi Mukuru wa RCA
IJAMBO RY’IKAZE
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Politiki y’Amakoperative mu Rwanda
Ku wa 18/09/2007 hashyizweho Itegeko No50/2007 rigena
ishyirwaho, imiterere n’imikorere y’amakoperative mu Rwanda, nk’uko
ryavuguruwe kugeza ubu. Mu mwaka wa 2008 hashyizweho Ikigo
cy’Igihugu gishinzwe iterambere ry’amakoperative (RCA). Ku wa
08/08/2018 Inama y’Abaminisitiri yemeje Politiki nshya yerekeye
amakoperative.
Gushyiraho Politiki nshya yerekeye amakoperative mu Rwanda
byatewe n’uko Amakoperative akeneye gufashwa kugira ngo agire
uruhare rukomeye mu iterambere ry’ubukungu bw’igihugu hakurikijwe
gahunda y’Iterambere ry’igihugu irimo Icyerekezo 2050, Ingamba
z’Igihugu zigamije impinduka (NST1 2017-2024) n’izindi ngamba za
ngombwa mu nzego zitandukanye. Amakoperative mu Rwanda yakoraga
akurikije amategeko ya kera yemejwe mu 2007 na politiki ya kera
yemejwe mu 2006.
Iyo politiki nshya yashyizweho binyuze mu biganiro byahuje
abantu batandukanye barimo benshi mu bafatanyabikorwa hagamijwe
gukusanya ibitekerezo byabo ku byerekeye inzego zikeneye kunozwa
ziri muri politiki ya kera. Ibi biganiro byabaye
ku rwego rw’ubutegetsi bwite bwa Leta n’urw’inzego z’ibanze
ndetse no mu makoperative. Niyo mpamvu hateguwe inama
nyunguranabitekerezo nyinshi zitabiriwe n’abafatanyabikorwa kugira
ngo ibibazo birebana n’iterambere ry’urwego rw’amakoperative
bisesengurwe kandi bishyirwe mu byiciro.
Ibiganiro hamwe n’isuzuma ryimbitse ry’inyandiko byatumye
hagaragazwa ibyuho bibangamira iterambere ry’amakoperative ndetse
hagaragara n’ibibazo bishya bigomba kubonerwa ibisubizo muri
politiki nshya, hibandwa cyane ku mpinduka. Bimwe muri ibyo bibazo
byerekeye imikorere y’inzego na politiki ( nk’urugero, uburyo
amakoperative ashingwa n’uburyo yandikishwa bikeneye kunozwa,
imikoranire hagati y’amakoperative y’ibanze, Amahuriro
y’amakoperative n ’ i m p u z a m a h u r i r o y’amakoperative
hakurikijwe uko bisumbana ntisobanutse neza, kandi nta politiki
isobanutse ihari yerekeye amakoperative afite ubushobozi
bw’ishoramari buhanitse); ibibazo byerekeye imicungire
y’amakoperative (nk’urugero, uko ibyemezo bifatwa mu makoperative
ntibikorwa mu mucyo, ubushobozi ni buke mu miyoborere, mu micungire
, muri
tekiniki, mu ikoranabuhanga no mu bundi bumenyi bujyanye
n’ikoranabuhanga kugira ngo amakoperative acungwe neza; hari kandi
n’imicungire mibi y’amakoperative); n’ibibazo byerekeye ishoramari,
ubushakashatsi n’iterambere (nk’urugero, igipimo cyo hasi
cy’ubushakashatsi n’iterambere mu makoperative, kwishingikiriza
cyane ku nkunga y’iterambere itangwa na Leta n’abagiraneza).
Kugira ngo ibyo bibazo bibonerwe ibisubizo, iyi nyandiko ya
politiki yerekeye amakoperative, igaragaza politiki zitandukanye
zigamije kunoza imiyoborere y’amakoperative. Harimo kunoza
inshingano za RCA nk’ikigo cya Leta gishinzwe iterambere ry’urwego
rw’Amakoperative, kuvugurura imiterere y’inzego z’amakoperative
kugira ngo arusheho gukora neza, no guteza imbere ibiganiro hagati
ya Leta n’amakoperative.
Akoperative agizwe n’inzego enye, harimo urwego rw’Amakoperative
y’ibanze akorera ku rwego rw’umurenge, amahuriro y’amakoperative
akorera ku rwego rw’Akarere n’Impuzamahuriro z’amakoperative
(Federasiyo) zikorera ku rwego rw’igihugu nuko hakabaho n’Urugaga
rw’amakoperative ku rwego rw’igihugu rukora nk’urwego
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rukuriye Amakoperative ku rwego rw’igihugu. Nubwo iyi miterere
ituma amakoperative ahagararirwa neza kandi ihanahanamakuru
rikagenda neza, inenge yayo ni uko idatanga umusaruro bitewe
n’ubushobozi buke mu rwego rw’imari bwo gushyigikira ibikorwa
byayo, no kuba abagize amakoperative batayagira ayabo ku buryo
buhagije, kuba abantu batabazwa ku buryo buhagije ibyo bakora, kuba
ihuzabikorwa ridahwitse no kuba ibikorwa bimwe hari n’abandi
babikora.Ivugururwa ry’amakoperative riteganyijwe ryita kuri ibyo
byose hakurikijwe Ingamba z’Igihugu zigamije Impinduka
n’iteganyamigambi ry’igihe kirekire rya buri rwego (Sector
Strategic Plans/SSPs). Ryita kuri politiki yo kwegereza ubuyobozi
abaturage, cyane cyane rigaha umwanya w’ibanze iterambere
ry’abaturage aho koperative iri.
Ikindi ni uko iyi nyandiko kuri politiki yerekeye amakoperative
iteganya ibyiciro bitandatu, muri byo bimwe bikaba ari bishya naho
ibindi bikaba bikeneye kunozwa no guhuzwa n’igihe: kunoza uburyo
amakoperative yandikwa hakoreshejwe ikoranabuhanga, gutangiza
Ikoranabuhanga ry’Imicungire y’Amakuru yerekeye Amakoperative,
-Kongerera ubushobozi amakoperative no
-Gushyigikira ba rwiyemezamirimo mu rwego rw’amakoperative,
-Gutangiza no gushyira mu bikorwa gahunda yo gushyira
amakoperative mu cyiciro
cyisumbuye,
-Gushyigikira kurushaho urwego rw’amakoperative, guteza imbere
ubukangurambaga n’ibyo guhuzwa n’igihe, ndetse no
-Gukora ubushakashatsi buhoraho n’isuzuma ry’akamaro
k’amakoperative. Icya nyuma, politiki nshya iteganya impinduka
zikenewe mu guteza imbere imiterere n’inzego by’amakoperative,
ariko zigakorwa mu buryo butuma habaho iterambere ry’amakoperative
kandi hakaba n’ibikorwa birebana n’iyo politiki bibumbiye muri
gahunda yo gushyira mu bikorwa iyo politiki. Iyi politiki iteganya
impinduka zirimo izi zikurikira:
Icyerekezo gishya cy’amakoperative kigaragaramo iteganyamigambi
ry’igihugu nk’uko riri mu cyerekezo gishya, inshingano nshya
n’intego nshya by’iyi politiki yerekeye amakoperative;
Imiterere mishya n’imikorere mishya by’amakoperative bituma
abanyamuryango b’amakoperative barushaho kuyagira ayabo, bituma
amakoperative arushaho kujyana na politiki y’iterambere ry’ubukungu
mu gihugu, bituma habaho kwihaza mu rwego rw’imari kandi bituma
habaho impinduka mu buryo amahuriro n’ingaga by’amakoperative
bikora.
Imikurire y’amakoperative n’uburyo ava mu cyiciro kimwe yimukira
mu cyisumbuye biteganya ibyiciro bitatu by’amakoperative hashingiwe
ku mikurire yayo no ku? gucuka ku nkunga itaziguye
itangwa na Leta n’ibindi bikorwa nko gutanga ibyemezo byo gukura
no gusoza icyiciro runaka;
Kwandika amakoperative yashinzwe n’Abanyarwanda batuye mu
mahanga kugira ngo bagire uruhare mu gukusanya ubushobozi bwo
gushora mu gihugu;
Gutangiza Ikoranabuhanga ry’Imicungire y’Amakuru yerekeye
Amakoperative (CIMS), ni ukuvuga ishingiye ku Ikoranabuhanga mu
itangazabumenyi (ICT) kugira ngo habe imicungire myiza
y’amakoperative yanditse;
Guhuza inkunga ihabwa urwego runaka birakenewe kugira ngo
hamenyekane neza ko inkunga Leta n’abafatanyabikorwa batandukanye
biha amakoperative ihuzwa neza kandi ikoreshwa neza kugira ngo
igire akamaro mu gihe kirambye;
Gushyigikira ubushakashatsi n’isuzuma ku kamaro k’urwego
rw’amakoperative ngo haboneke amakuru afitiye akamaro iyo politiki
kandi atuma politiki yerekeye amakoperative igera ku ntego;
Gahunda y’ishyirwamubikorwa igaragaza umusaruro w’iyo politiki,
ibikorwa biteganyijwe, ibipimo bya buri mahitamo ya politiki
n’inshingano z’abafatanyabikorwa bose bo mu rwego
rw’amakoperative.
Muri numero itaha y’ikinyamakuru KOPERATIVE MAGAZINE tuzakomeza
kubagezaho ibikubiye muri iyi Politiki nshya yerekeye amakoperative
mu Rwanda.
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Ibyiza byo gukorera hamwe§Gukorera hamwe muri
Koperative ni imwe mu ngamba Leta y’u Rwanda yabonye ko
zishobora kuvana abaturarwanda mu bukene. Iyo abantu bibumbiye muri
Koperative bahuriza hamwe imbaraga zabo: imbaraga z’ibitekerezo ,
imbaraga z’ibikorwa n’imbaraga z’umutungo; maze icyo umwe atari
kugeraho wenyine, akakigeraho afatanyije n’abandi .
Koperative icyo ari cyo.§Koperative ni umuryango
wigenga, uhuriweho n’abantu bawugiyemo ku bushake bwabo,
bagamije gushyira mu bikorwa ibyifuzo byabo no gukemura ibibazo
bahuriyeho mu by’ubukungu, mu mibereho myiza no mu by’umuco,
bakorera hamwe ibikorwa byunguka. Baba basangiye umutungo kandi
bafite uburenganzira bungana mu micungire y’uwo mutungo.
Mu magambo make, Koperative igizwe n’abantu:ØBihangiye ibikorwa
rusange
byunguka,ØBayobora umuryango wabo
mu bwisanzure no mu buringanire,
ØBatanga imigabane ingana mu mari-shingiro,
ØBakiyemeza gusangira igihombo cyangwa inyungu bivuyemo,
ØBakanashishikarira kugira uruhare mu mirimo y’uwo muryango.
Gahunda yo gukorera mu Makoperative no kwihangira imirimo
Umuco n’Indangagaciro z’amakoperative§Koperative ni
umuryango
w’abantu ku giti cyabo ufite ubuzimagatozi, ugizwe n’ abantu
bakora ibikorwa bigamije kubateza imbere kandi ugakurikiza amahame
ariyo : gufatanya, kwiteza imbere, demokarasi, uburinganire no
kugira uruhare rungana ku mutungo wayo.
§ A b a n y a m u r y a n g o b’amakoperative basabwa kurangwa
n’ubupfura no kuba abanyakuri no gukorera mu mucyo (Honesty),
kuvuga icyo batekereza (Openness), umuco wo kwifasha (Self-help) no
kugobokana (Mutual responsibility), no kwita ku muryango mugari
w’Akarere Koperative ikoreramo (Social responsibility).
Amahame remezo agenga Amakoperative1. Kwinjira no kuva muri
Koperative nta nkomyi
2. Gukorera mu mucyo na demokarasi;
3. Kugira uruhare rungana mu mizamukire y’ubukungu bwa
Koperative;
4. Ubwigenge n’Ubwisanzure bwa buri Koperative;
5. Kwigisha no Guhugura abanyamuryango no kubaha amakuru;
6. Kwita k’ubufatanye hagati y’Amakoperative;
7. Kuzirikana iterambere rya rubanda aho Koperative ikorera.
Akamaro ka Koperative mu iterambere ry’ubukungu bw‘Igihugu1.
Amakoperative afasha mu
kongera umusaruro haba mu bwiza ndetse mu mu bwinshi;
2. Amakoperative agira uruhare mu gushyigikira no kubungabunga
ibikorwa remezo;
3. Amakoperative afite uruhare rugaragara mu kurwanya ubukene
kuko atanga akazi mu buryo buziguye cyangwa butaziguye;
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4. Amakoperative afasha abanyamuryango kubona inguzanyo, bityo
bagakora imishinga ibyara inyungu, bityo ubukungu bukarushaho
kwiyongera;
5. Amakoperative afite uruhare mu kwegereza abaturage
ikoranabuhanga;
6. Amakoperative agira uruhare mu kongera ubumenyi
bw’abanyamuryango binyuze mu mahugurwa;
7. Amakoperative afite uruhare mu mibanire n’imihahirane hagati
y’Igihugu n’amahanga, bityo ubukungu bukarushaho kuzamuka.....
Inyungu ku banyamuryango bakorera hamwe mu Makoperative (
benefits to members)1. Inyungu mu rwego
rw’imibereho (social benefits) zirimo gufashanya, gutanga
umusanzu w’ubwisungane mu kwivuza (Mutuelle de santé), no kubana
n’abandi.
2. Inyungu zo mu rwego rw’ubukungu (economic benefits) zirimo
guhanga imirimo, ishoramari rusange, guhabwa ubwasisi n’inyungu ku
migabane, guhabwa serivisi
z’imari, no kugira umutungo wunguka, gushishikariza
abanyamuryango umuco wo kuzigama, kwigisha abanyamuryango gukora
imishinga iciriritse, kubona ibikoresho byo kongera umusaruro ku
buryo bworoshye: ingero: imiti,amafumbire,imbuto, ibicuba ku
borozi, imbaho ku babaji; , n’ibindi.m gutanga inkam...
3. Inyungu zikomoka mu nzego bakoramo (institutional benefits)
ni uguhabwa amakuru, gukorerwa ubuvugizi no guhagararirwa,
kubakirwa ubushobozi, no kugera ku masoko.
Ubwoko bw’Amakoperative1. Amakoperative yo Kuzigama
no Kugurizanya (SACCO/COOPEC);
2. Amakoperative y’ubuhinzi;
3. Amakoperative y’ubworoz;
4. Amakoperative atunganya umusaruro;
5. Amakoperative y’ubucuruzi n’ay’abaguzi(Commercial and
consumers)
6. Amakoperative y’ubwikorezi no gutwara abantu;
7. Amakoperative y’ubukorikori (Handcraft);
8. Amakoperative y’ubwubatsi;
9. Amakoperative atanga serivisi;
10. Amakoperative y’ubucukuzi ;
11. Amakoperative y’Ubworozi n’uburobyi bw’amafi;
Ibisabwa Koperative kugira ngo ishingwe kandi ihabwe
ubuzimagatoziKugira ngo Koperative ishingwe kandi ihabwe
ubuzimagatozi, isabwa kugaragaza ibi bikurikira:
1. Kuba ifite nibura abanyamuryango icumi (10).
2. Kuba Imari shingiro (ishingiye ku gikorwa) yemejwe
yaratanzwe.
3. Kwandikisha Koperative ku rwego rw’Umurenge kugira ngo
hasuzumwe niba abanyamuryango bariho koko, umubare wabo, niba
bafite aho gukorera umushinga wabo…..
4. Kwandika Ibaruwa isaba ubuzimagatozi, inyujijwe ku Muyobozi
w’Akarere,
5. Koherereza Urwego rufite Amakoperative mu nshinganzo zarwo
Inyandiko (Annexes) ziherekeza iyo baruwa isaba ubuzimagatozi ari
zo:
a. Amategeko shingiro ya Koperative agaragaramo cyane cyane ibi
bikurikira:
1°. Izina rya Koperative rigomba kuba ritandukanye n’iry’izindi
zabonye Ubuzimagatozi kandi ridaheza cyangwa ritavangura,
2°. U m u b a r e w’Abanyamuryango shingiro (abagore +
abagabo)
3°. Icyicaro cyayo4°. Intego yayo n’imirimo ikora
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5°. Imbibi za Koperative6°. Imari shingiro, imigabane
ya buri munyamuryango n’agaciro kayo
7°. Inzego z’ubuyobozi bwa Koperative (Inama y’Ubuyobozi n’inama
y’Ubugenzuzi);
8°. Igihe Koperative izamara;9°. Igihe fatizo
cy’imbonezamutungo wa Koperative
b. Amategeko y’umwihariko ya Koperative atanyuranyije n’Itegeko
rigenga Amakoperative cyangwa Amategeko shingiro ya Koperative;
c. U r u t o n d e rw’abanyamuryango bose, imyirondoro n’imikono
yabo cyangwa ibikumwe;
d. Icyemezo cy’Akarere Koperative ikoreramo;
e. Inyandiko-mvugo y’inama ya mbere ishyiraho iyo Koperative
n’inzego zayo z’agateganyo;
f. Urutonde rw’abagize inama y’Ubuyobozi, umwirondoro wa buri
muntu, umukono we n’icyo ashinzwe;
g. Urutonde rw’abagize inama y’ubugenzuzi, umwirondoro wa buri
muntu, umukono we n’icyo ashinzwe;
h. Urutonde rw’abagize Akanama (Komite) gatanga inguzanyo no
kwishyuza (SACCO), umwirondoro n’umukono wa buri muntu n’icyo
ashinzwe;
i. Icyemezo cy’ubwishyu cy’amafaranga 1200 frw kugira ngo
Koperative ihabwe ubuzimagatozi;
j. Kopi z’indahiro z’abayobozi ba Koperative (CA + CS);
k. Icyemezo (Bank slip) cyerekana ko imigabane yemejwe yatanzwe
cyangwa ikindi cyemeza ku buryo budashidikanywaho ko
umugabane watanzwe. l. Igenamigambi rya Koperative
(Business/action plan).
Imikorere myiza iranga AmakoperativeAmakoperative akora neza
arangwa n‘ibi bikurikira:
A. Kugira Igenamigami rihamye (action plan/business Plan)
1. Gutegura ibizakorwa na Koperative
2. Gutegura imari izakoreshwa 3. Guteganya igihe buri kintu
kizakorerwa n’abazagikora 4. Gusaba Inteko rusange
kwemeza iryo genamigambi.5. Gushyira iryo genamigambi
mu bikorwa nk’uko ryemejwe.
B. Kugira inzego zubatse neza kandi zikora:
1. Inteko Rusange:a. Urwego rukuru rwa
Koperativeb. Urwego rufata ibyemezo c. Urwego rutanga
umurongo
ngenderwaho (Policy) 2. Inama y’ubuyobozi :
Ni urwego ruyobora Koperative kandi rugashyira mu bikorwa
ibyemezo by’Inteko rusange.
3. Inama y’ubugenzuzi :Ni urwego rugenzura imiyoborere,
imicungire ya Koperative n’ikoreshwa ry’umutungo wayo, rugenzura
kandi uburyo amategeko, amahame n’amabwiriza ashyirwa mu
bikorwa.
C. Gucunga neza umutungo wa Koperative
1. Gukoresha imari icyo yagenewe
2. Kugira umucungamutungo ubijijukiwemo/wabyigiye
3. Kwirinda kunyereza, gusahura no kwiba umutungo wa
Koperative
4. Gukoresha ibitabo byabugenewe kandi bikandikwamo neza
5. Kumenyesha banyirawo uko uhagaze buri gihe.
D. Kugira ibitabo bya ngombwa aho bakorera aribyo ibi bikurikira
:
1. Kopi y’itegeko rigena ishyirwaho imiterere n’imikorere
y’amakoperative mu Rwanda;
2. Icyemezo cyo kwemerwa nka Koperative( Ubuzimagatozi);
3. Kopi y’amategeko nshingiro yayo hamwe n’amategeko
y’umwihariko;
4. Igitabo cyanditswemo a b a n y a m u r y a n g o n’imigabane
yabo;
5. Ibitabo byose by’icungamutungo
6. Kopi y’ifoto y’icungamutungo yemejwe n’abagenzuzi b’imari
babifitiye ubushobozi n’uburenganzira;
7. Igitabo cyanditsemo a b a n y a m u r y a n g o n’abazungura
babo.
UmwanzuroKwishyira hamwe ni imwe muri za gahunda igihugu cyihaye
ngo kive mu bukene, kijye mu nzira y’iterambere rirambye. Kwishyira
hamwe niyo nzira yonyine ifasha abantu kuba magirirane. Kwishyira
hamwe ni umuco, ni uguhindura imitekerereze, umuntu akareka kuba
nyamwigendaho yerekeza ku gukorana n’abandi, bagatizanya ingufu,
bakungukira hamwe. Inyungu rusange ntizibangamira inyungu z’abantu
ku giti cyabo. Muri koperative bisaba ko abantu bagira discipline,
cyane cyane abayobozi, bakirinda umururumba, ahubwo bakagira
umurava, ubwihangane, ubunyangamugayo no gukunda igihugu
n’abagituye.
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URUHARE RW’AMAKOPERATIVE MU BUKUNGU BW’IGIHUGU (MUTARAMA
2019)
IBYICIRO BY’IMIRIMO Y’UBUKUNGU
ABANYAMURYANGOIGITERANYO IMARI SHINGIRO
AMAKOPERATIVE ABAGABO % ABAGORE %
UBUHINZI 2.515 182.888 60 121.560 40 304.448 5.012.399.548
UBWOROZI 1.692 47.404 51 45.426 49 92.830 4.079.418.423
UBUCURUZI 1.257 30.026 52 27.575 48 57.601 8.421.798.480
SERIVISI 971 24.103 64 13.822 36 37.925 2.171.064.884
TRANSPORT 563 22.631 89 2.762 11 25.393 1.857.283.500
UBUKORIKORI 1.024 14.429 46 17.166 54 31.595 1.941.045.080
TRANSFORMATION 112 4.016 59 2.819 41 31.595 748.144.000
UBUCUKUZI 132 2.136 80 527 20 6.835 654.201.100
UBUROBYI 93 3.508 77 1.074 23 2.663 162.422.000
UBWUBATSI 167 5.168 69 2.276 31 4.582 5.075.251.848
IBINDI 198 5.096 63 3.047 37 7.444 498.431.800
IGITERANYO 8.724 341.405 59 238.054 41 8.143 30.621.460.663
SACCOs 437 1.748.795 57 1.329.336 43 579.459 13.549.918.087
AMAHURIRO 148 - - - 210.116.675
IMPUZAMAHURIRO 14 - - - 59.020.000
IGITERANYO RUSANGE 9.323 2.090.200 57 1.567.390 43 3.657.590
44.440.515.425
UBUCUKUZI
UBUKORIKORI UBWOROZI
TRANSFORMATION
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Koperative yo kuzigama no kugurizanya ni Koperative y’ikigo
cy’imari giciriritse kigendera ku matageko agenga amakoperative
,amategeko y’icungamari n’andi mategeko /amabwiriza ashyirwaho na
Banki Nkuru y’Igihugu. Mu yandi magambo ni umuryango w’igenga ufite
ubuzima gatozi ihabwa n’Ikigo cy’igihugu gishinzwe guteza imbere
amakoperative ndetse n’icyemezo cya Banki Nkuru y’Igihugu (BNR)
biyemerera gukora ku mu garagaro, uhuriwemo n’abantu bawugiyemo ku
bushake bwabo, bagamije gushyira mu bikorwa ibyifuzo byabo no
gucyemura ibibazo bahuriyeho mu by’ubukungu n’imibereho myiza.
I. Intego za Koperative yo kuzigama no kugurizanya
Koperative yo kuzigama no kugurizanya igamije guteza imbere
abanyamuryango bayo ibafasha kwizigamira no kubona inguzanyo
zibafasha gukemura ibibazo bahura nabyo mu mibereho ya buri munsi
cyane cyane mu kubona igishoro mu mishanga ibyara inyungu.
Kugirango izo ntego zigerweho, Koperative yo kuzigama no
kugurizanya igomba:
Dusobanukirwe n’Amakoperative yo kuzigama no kugurizanya
(SACCO/COOPEC)
ØG u k a n g u r i r a abanyamuryango bayo akamaro ko
kwizigamira
ØGuha abanyamuryango uburyo bwo kubika amafaranga yabo mu
mutekano
ØGufasha abanyamuryango kubona inguzanyo n’inyungu
bemeranijweho, hakurikijwe ibigenwa n’amasezerano, amategeko
n’amabwiriza agenga inguzanyo byemejwe n’abanyamuryango
ØG u k a n g u r i r a abanyamuryango kwihangira imirimo ibyara
inyungu.
ØKwigisha no guhugura abanyamuryango abayobozi n’abakozi
bayo
ØGukorera ubuvugizi abanyamuryango
II. Gahunda y’Umurenge SACCO
Iyi ni gahunda yatangiye muri 2009, ifite intego yo kugeza
serivisi z’imari ku banyarwanda cyane cyane bamwe batazibonaga aho
21% gusa aribo banyarwanda bakoranaga n’ibigo by’imari muri uwo
mwaka. Ikindi yari ukwimakaza umuco wo kuzigama mu banyarwanda no
kurwanya ubukene.
III. Kubera iki SACCO kuri buri
Murenge
Hirya no hino mu gihugu hari hasanzwe hari ibigo by’imari
bihakorera, ariko icyagaragaye ni uko ibyo bigo abaturage bose
batabyibonagamo, kuberako byasabaga ubushobozi burenze ubwabo
ndetse byari bike kandi byarubatse batabigizemo uruhare. Ibyo bigo
kandi hafi ya byose byakoreraga mu mijyi cyangwa muri za santeri
z’ubucuruzi zikomeye aho bishobora kubona abakiriya aho
bitoroheraga abaturage bose kubigeraho.
IV. IBYIZA BY’UMURENGE SACCO
Umurenge SACCO ni kigo cy’imari abanyamuryango bibonamo kuko
aribyo ubwabo bayitangije bakanagira uruhare mu micungire
n’igenzura ry’umutungo wayo muri demokrasi no mu bwisanzure. Nibo
kandi bagena gahunda n’uburyo Koperative yabo izajya itanga
inguzanyo n’ingano y’inyugu ku mafaranga yatanzweho inguzanyo.
V. Aho Imirenge SACCO iherereye
Kugeza ubu hari Imirenge SACCOs 416 bivuze ko kuri buri Murenge
hari ikigo cy’imari Umurenge hakaba hari n’Imirenge SACCO 119 ifite
amashami bivuzeko hari ahantu 535 abanyamuryango bu
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murenge SACCOs hirya no hino bashobora kubonera serivisi z’imari
zitangwa n’Umurenge SACCOs. Ibi byorohereje abanyamuryango ba
SACCOs kubona serivisi zimari hafi yabo.
VI. SERIVISI ZITANGWA N’UMURENGE SACCOS
Imirenge SACCOs yose uko ari 416 n’amashami yayo atanga serivisi
zo kuzigama no kuguriza abanyamuryango bayo. Kugeza
ubu hakaba hari ubwoko butandukanye bw’inguzanyo zitangwa mu
Mirenge SACCOs nk’uko zikurikira:ØInguzanyo z’ubucuruziØInguzanyo
z’ubuhinziØInguzanyo za VUPØInguzanyo za ToolkitsØInguzanyo ku
bureziØInguzanyo z’ubwubatsiØInguzanyo ku mushaharaØInguzanyo
z’ingoboka
ØInguzanyo z’ubwikoreziØInguzanyo z’ubukorikoriØInguzanyo ku
maza
zitanduakaye zubuzima (ubukwe , gushyingura…)
ØInguzanyo ku buvuzi (Mutuelle de Sante)
ØInguzanyo ku matsindaØInguzanyo kubafite ubuzima
gatozi (Amakoperative cyangwa company)
VII. Uko Umurenge SACCOs uhagaze kugeza ubu
1. ABANYAMURYANGO KUGEZA UKWAKIRA 2018INTARA ABANYAMURYANGO
BIYAN-
DIKISHIJEABANYAMURYANGO BATANZE IMIGABANE
ABANYAMURYANGO BAFUNGUJE KONTI
IBURASIRAZUBA 725.555 603.194 705.184 AMAJYARUGURU 551.398
460.829 486.147 AMAJYEPFO 840.625 762.403 774.742 UBURENGERAZUBA
698.086 647.403 663.999 UMUJYI WA KIGALI 232.969 181.984 186.988
IGITERANYO 3.048.633 2.655.813 2.817.060
2. IMARI KUGEZA MU KWAKIRA 2018INTARA IMARISHINGIRO
ITEGANIJWE
IMARISHINGIRO
YATANZWE
UBWIZIGAME
IBURASIRAZUBA 5.359.606.300 3.524.149.679 17.631.584.917
AMAJYARUGURU 2.611.757.462 1.824.109.125 12.370.357.083 AMAJYEPFO
4.128.111.500 3.205.876.647 14.695.158.681 UBURENGERAZUBA
3.700.863.100 2.569.972.170 12.559.470.159 UMUJYI WA KIGALI
2.147.282.000 1.829.055.026 9.405.504.882 IGITERANYO 17.947.620.362
12.953.162.647 66.662.075.722
3. INGUZANYO ZIMAZE GUTANGWA KUGEZA UKWAKIRA 2018
INTARA INGUZANYO ZIRI HANZE INGUZANYO ZAKEREREWE IJANISHA KU
BUKERERWE (NPL )
East 10.431.445.819 1.241.523.204 11,9
North 9.649.212.794 942.856.834 9,8
South 9.601.784.880 1.148.708.715 12,0
West 10.805.148.798 1.141.962.328 9,9
Kigali City 4.602.523.902 512.483.868 11,1
TOTAL 45.090.116.193 4.987.534.949 11,1
VIII. UMWANZURO
Nk’izindi Koperative zose, UMURENGE SACCO n’imwe mu nzira
igamije gufasha abanyamuryango bayo mu iterambere ry’ubukungu
n’imibereho myiza, igihe buri munyamuryango azaba yamaze
gusobanukirwa n’akamaro , amahame , inshingano
n’uburenganzira bwe abereye umunyamuryango.Gahunda yo gukorana
n’Amakoperative yo kuzigama no kugurizanya abanyamuryango bose
bagomba kuyitabira kugirango babashe guteganyiriza ejo hazaza
ndetse n’abafite imishinga ibyara inyungu babone aho bakura
igishoro cyabafasha gushyira mu bikorwa imishinga yabo.
Ibi bikaba ari intambwe y’ingenzi igomba guterwa kugirango
abanyarwanda bagere ku ntego mpinduramatwara mu by’ukungu (The
National Strategy for Transformation NST1) no kugera byihuse ku
iterambera rirambye (Sustainable Development Goals SDGs) Bityo
bakazagera mu cyerekezo 2020 barasezereye ubukene kunburyo
budasubirwaho.
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Bimwe mu byagezweho n’Amakoperative
Uruhare nyamukuru rw’amakoperative ni uko afasha abayagize
kwegeranya ubushobozi bw’amafaranga n’ubundi buryo bigatuma
abanyamuryango bagabanya ikiguzi cy’ibyo bakora, bagashora imari
yabo neza ndetse bakabasha guhangana n’ingorane bahura nazo ku
buryo buboroheye. Koperative kandi zifasha banyirazo kubona igiciro
cyiza ku isoko ry’umusaruro cyangwa serevisi batanga. Koperative
zikurikira ni zimwe muzagenzuwe na RCA ndetse hagakurikiranwa
imikorere yazo mu Mujyi wa Kigali, bigaragara ko zitanga urugero
rwiza rw’imikorere aho abayarimo bishimira ibyo bagenda bageraho
ndetse n’uruhare rwayo mu iterambere ry’Igihugu ruragaragara haba
mu misoro n’ishoramari.
COCTRAMAVKNi koperative y’abatwara ibintu mu modoka nini
(Camion),ikorera mu Karere ka Kicukiro. Abanyamurango bavuye kuri
88 mu mwaka wa 2011 bagera kuri 97 muri 2018;
Umugabane w’abanyamuryango wariyongereye uva kubihumbi cumi
(10,000frw) muri 2011 ugera kuri 2,165,363 frw muri 2018 ku
munyamuryango;
Buri munyamuryango afite ikamyo ikoreshwa mu gutwara ibicuruzwa
hirya no hino (eg.Burundi and Congo);
Muri 2012, koperative yari ifite ikamyo imwe. muri 2018 bafite
amakamyo 7;
Agaciro k’umutungo utimukanwa wa koperative karenze miliyoni 366
habariwemo n’ikibanza cya miliyoni 102.
Ubwizigame kuri banki burenze miliyoni 170;
Koperative ifite abakozi 7 bahoraho;
Umunyamuryango ahabwa inguzanyo ya 500,000 frw nta nyungu;
Mu mwaka wa 2017, buri munyamuryango yahawe ubwasisi bwa
500,000frw;
Koperative ibasha kwishyura amafaranga arenga miliyoni 43 buri
mwaka y’imisoro n’amahoro bigaragaza ku rundi ruhande uruhare
rw’iyi koperative mu iterambere y’Igihugu.
NDUBA SACCOIyi ni koperative yo kubitsa no Kugurizanya; ikorera
mu Karere ka Gasabo
Abanyamuryango bavuye kuri 990 mu mwaka wa 2009 bagera kuri
8,790 muri Kanama 2018;
Imirimo yatanzwe: Umubare w’abakozi wavuye kuri 1 muri 2009
ugera ku bakozi 15 bahoraho n’abandi 4 bakora ibiraka muri
2018;
Bafite ubwizigame Amafaranga agera 518,832,826 frw aya niyo
yarikuri konti muri Kanama 2018;
Abahawe inguzanyo: Abanyamuryango 3,039 bahawe inguzanyo guhera
2009 kugera muri Nyakanga 2018;
Inguzanyo zose zatanzwe guhera muri 2009 kugera muri Nyakanga
2018 zirarenga miliyari 1.7 y’amafaranga y’u Rwanda;
Kwizigamira: SACCO yatangije Igiceri program aho muri buri
mudugudu hatowe komite y’abantu 5 kugira ngo bakusanye ubwizigame
banashishikarize abanyamuryango kwizigami-ra; (Akarere ka Gasabo
kashyizeho amabwiriza y’Igiceri program;
Guhera mu mwaka wa 2014 kugera muri 2015 gusa, ubwizigame bawari
bumaze kugera kuri 92 z’amafaranga y’u Rwanda;
Abana barenga 1000 biga mu mashuri abanza , bakoresha iyo
gahunda y’igiceri program mu kwizigamira.
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KOPERATIVE ABADASIGANA BA KINYINYAIyi Koperative y’urubyiruko
ikorera mu kar-ere ka Gasabo, ihinga imboga, igice kimwe cyoherezwa
mu mahanga (France) ikindi gice zigurishwa mu Gihugu imbere;
Abanyamuryango bavuye kuri 32 muri 2017 bagera kuri 53 muri
2018;
Koperative ifite abakozi bane bahoraho kandi ikoresha ba
nyakabyizi bagera kuri 200 ku munsi. Ibi bakagaragaza umubare
munini w’imirimo koperative itanga.
Mu mwaka wa 2017, koperative yagemuye
mu mahanga toni 93 z’imiteja. Aka kazi gafite uruhare rukom-eye
mu kongera ibyoherezwa mu mahanga n’ubukungu muri rusange. Ubukungu
bw’u Rwan-
da bwiyongereye ku gipimo cya 6.7% mu gihembwe cya 2 cya 2018.
Aho ubuhinzi bwakuze ku gipimo cya 6%. (Source: NISR 2018)
Koperative ADARWA
Ni Koperative y’ababaji n’abanyabukorikori bakorere mu
Akarere-Gasabo – Umurenge wa Gisozi
Abanyamuryango bariyongereye bava kuri 113 mu mwaka wa 2010
bagera kuri 157 muri 2018;
Umugabane ku munyamuryango wariyongerereye uva kuri 500,000frw
mu mwaka wa 2010 ugera kuri 2,500,000frw muri 2018;
Agaciro k’umutungo wa Koperative kerenze miliyari 3.9 kuri
ubu;
Koperative ifite abakozi 27 bahoraho ikaba ifite n’abantu 1,902
bahawe akazi n’abandi batari koperative;
Abantu babarirwa kuri 10,000 bakorera imirimo yabo muri
ADARWA;
Mu mwaka wa 2017, iyi koperative yabashije kwishyura imisoro
n’amahoro birenga gato miliyoni 5 z’amafaranga y’urwanda.
Koperative ifite uruhare rufatika mu iterambere ry’Igihugu kandi
nta gushidikanya ko yagize uruhare rugaragara mu kuzamura imibereho
imibereho mwiza y’abanyamuryango bayo
Koperative DUHAHIRANNE
• Iyi Koperative yashinzwe n’abahoze bacururiza mu muhanda
(abazunguzayi) muri 2011;
• Koperative yubatse inzu y’ubucuruzi abanyamuryango bayo
bakoreramo ;
• Abanyamuryango bariyongereye bava kuri 74 muri 2011 bagera
kuri 321 mu mwaka wa 2018 aho 159 ari abagore naho 162 ni
abagabo;
• Umugabane ku munyamuryango wariyongereye uva kuri 50,000frw
muri 2011 ugera kuri 1,200,000frw muri 2018;
• Umutungo wa Koperative ugera kuri miliyari 2.8 y’amafaranga
y’u Rwanda;
• Koperative ifite amazu 4 y’ubucuruzi zifite imiryango 184
;
• Koperative ifite abakozi 4 bahoraho;
• Urebye uko abanyamuryango b’iyi koperative bahagaze kuri ubu
ukagereranya n’aho bavuye, ntawabura kwishimira
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COTAMONO Ubumwe irakataje mu iterambere
KOPERATIVE COTAMONO / UBUMWE (Cooperative de taxis Motos du Nord
) ni Koperative y’Abamotari ikorera mu karere ka Musanze, intara
y’Amajyaruguru.
Iyi Koperative yatangiye gukora ari ishyirahamwe ry’abamotari mu
mwaka wa 1992 ifite abanyamuryango 34 iza guhinduka Koperative mu
mwaka wa 2009 aho yabonye ubuzimagatozi, ubu iyo Koperative ifite
abanyamuryango 1270.
Nyuma yaho aba bamotari bishyize hamwe abagize Koperative
COTAMONO batangiye ibikorwa by’ishoramari basaba inguzanyo ya
miliyoni hafi 100 z’amafaranga y’u Rwanda muri Banki bagurira
abanyamuryango babo Moto 300 zishyurwa buri kwezi hamwe n’imisanzu
yabo ya buri munsi batagira kubaka inzu y’igorofa ubu yuzuye kandi
inguzanyo yishyurwa neza muri iyi myaka itanu bamaze bishyura kuko
inzu ubwayo yishura ibihumbi magana ane. Iyi koperative kuri ubu
ifite ibibanza bibiri kimwe iteganya
kubakamo Hoteli ifite ibyumba birenga 30 .
Ubwo Koperative Magazine yasuraga abanyamuryango biyo Koperative
bishimiye ibyo bamaze kugeraho babikesha Koperative
MARUHANYA Vincent yagize ati : ’’ Naje muri Koperative Cotamono
nta Moto mfite, Koperative yaranyishingiye mfata inguzanyo ngura
Moto ndakora nyishyura inguzanyo ubu mfite inzu ebyiri imwe ntuyemo
n’indi y’ubucuruzi anbana banjye
bane ubu mbishyurira minerval n’umuryango wanjye ufite
ubwisungane mu kwivuza’’
UZAKIRA Eric we ati : ’’ Nyinjiye muri Koperative 2008 , Moto
niyo intunze niyo intungiye umuryango ubu mfite inzu ifite agaciro
ka Miliyoni esheshatu ifitemo amazi n’amashanyarazi byose mbikesha
COTAMONO ’’
Mugenzi we NIRAGIRE Emmanuel nawe ati : ’’Nari nsanzwe ndi
Umunyonzi nta ruhushya rwo gutwara nari mfie ubu byose ndabifite
mfite moto yanjye ndetse mfite inzu eshatu byose bikesha aka kazi
ko gutwara abagenzi kuri moto no gukorera muri koperative ’’
COTAMONO ifite imigambi mu gihe kizaza harimo kuba bamaze
kwishyura ideni rya banki, Koperative izubaka Garage izajya ifasha
gukora Moto z’abanyamuryango ikazunganirwa na Hoteli izubakwa mu
kibanza bafite, byose bigamje kuzamura umusaruro wa Koperative
n’iterambere ry’abanyamuryango.
Ikicyaro cya Koperative COTAMONO
Bamwe mu banyamuryango ba Koperative COTAMONO
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Abagore biteje imbere binyuze muri Koperative KOTIHEZA
KOTIHEZA (Koperative turwanye inzara iwacu heza ) ni koperative
igizwe ahanini n’abagore icuruza ikanatunganya imyaka y’ibinyampeke
harimo ifu y’ibigori , amasaka, ingano n’imyumbati. Iyi Kopeerative
ibarizwa mu Karere ka Rubavu Umurenge wa Gisenyi. Iyi koperative
yatangiye gukora ifite abanyamuryango 15 ubu ikaba ifite abagera
kuri 37.
Iyi koperative yatangiye kubaho mu mwaka wa 2011 ari nabwo
yabonye ubuzimagatozi koperative yatangiye gukora ifite
abanyamuryango 15 ubu ikaba ifite abagera kuri 37 harimwo umugabo
umwe , umugabane shingiro watangiye ari amafaranga 1650 frw ubu
ugeze ku ibihumbi mirongo itanu. Koperative Ubu ifite umutungo
urimwo inzu eshatu (3) bakoreramo zifite agaciro ka miliyoni hafi
mirongo itandatu n’imashini eshatu zisya imyaka zifite agaciro ka
miliyoni hafi umunani. Iyo bakoze neza ku munsi bashobora kwijinza
amafaranga ibihumbi mirongo itanu (50.000)
Ubwo twabasuraga aho bakorera batubwiye aho bavuye ibyo
bamaze
kugeraho ndetse n’ibyo bifuza kugeraho mu minsi iri imbere
MUKAREMERA ZAMDA ni umubyeyi w’abana umunani, avuga ko iyi
Koperative yamufashije kuvugurura inzu ye kandi ko abana be biga
amashuri y’isumbuye n’abandi biga amashuri abanza bose abasha
kubishyuririra amashuri abikesha amafaranga abona muri
Koperative.
MUJAWIMANA Asinah ati: ’’ Kubana n’abandi byaramfashije kandi
byrantinyuye , iyi koperative kubera ikibina mbamo nafashe
amafaranga ibihumbi magana inani ndayisana. Ubu
nyishurira abana banjye batatu amashuri makuru n’abandi 2
amashuri y’isumbuye tutibagiwe ubwisungane mu kwivuza’’
MUKASHEMA Florence yongeraho : ’’ Sinabona icyo mvuga nicyo
ndeka , njye sinabashaga kuvuga mu bantu benshi ariko ubu kubera
kuba muri akoperative naratinyutse mbasha no kuyobora inama. Nabaga
murugo ntakazi ngira ubu mfite icyo nkora. Ku mafaranga yanjye ubu
nasanye inzu yacu kubihumbi magana atatu (300) Ibi byampesheje
ishema mu muryango wanjye’’
Koperative KOTIHEZA ifite intumbero ko minsi iri imbere izubaka
inzu y’ubuhunikiro ndetse izagura izindi mashini zisya 3 n’izindi
mashinikugira ngo barusheho kwagura ibikorwa byabo banitez’imbere .
Basoza ikiganiro twagiranye abo bagore bakorera muri KOTIHEZA
barakakangurira abandi gukura amaboko mu mifuka bakibumbira
mumakoperative kuko amakoperative basanze ari isoko
y’iterambere.
NO: 001 Mutarama-Kamena 2019 Koperative Magazine
Ikicyaro cya Koperative COTAMONOBamwe mu banyamuryango ba
Koperative
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COPRORIZ (Coperative rizicole de Ntende ) ni koperative
y’abahinzi b’umuceri bakorera mu karere ka Gatsibo. Iyi Koperative
yatangiye gukora mu mwaka wa 2003 ubwo yakoraga nk’ishyirahamwe
ry’abahinzi b’umuceri yatangiye gukora nka Koperative mu mwaka wa
2008 aho umugabane shingiro wari 25.166 uyu mwaka umugasbane ukaba
ugeze kuri 116.000 amafaranga y’u Rwanda.
Batangiye bahuzagurika ariko nyuma yo guhuza imbaraga
bakibumbira muri Koperative ubu ibikorwa byabo birivugira.
Coproriz Ntende Ihinga ku buso bungana na hegitari 560 ikaba
ibimbiyemoabanyamuryango bagera kuri 3761. Perezida wa Koperative
Bwana RUGWIZANGONGA Elysé yagize ati ’’ Kuva twibumbiye mu
makoperative ubuzima bwacu bwarahindutse twavuye ku rwego rumwe
turazamuka tujya kurundi, Nkuko mubibona tumaze kugera kuri byinshi
, ubu koperative dufite imodoka zirindwi (7) n’imodoka zidufasha
mubuhinzi no gusarura umueri, dufite inzu ebyiri zirimwo iyi hoteli
iyo mitungo yose ifite agaciro ka miliyari y’amafaranga
y’u Rwanda.Dufite n’imigabane mu ruganda rutonera umuceri
Abanyamuryango bacu ubu bose bishyuriwe mituweri ndetse abana bacu
bose bishyurirwa amafaranga y’ishuri kugeza mu mwaka wa gatatu
w’amashuri y’isumbuye. Koperative yatanze akazi kubaturage 83 ,
twazamuye imibereho myiza y’akarere koperative ihereyemo. Ubu
koperative yacu ni intangarugero aho izindi Koperative ziva hirya
no hino kutwigiraho. Koperative yacu yinjinza inyungu zirenga
miliyoni 85 bityo iyo umwaka ushize abanyamuryango
COPRORIZ NTENDE intangarugero mu makoperative
SALLE POLYVALENTE
LUXURY ROOMS
RESTAURANT
LUXURY ROOMS
COOPRORIZ NTENDE INTANGARUGERO MU MAKOPERATIVE
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NO: 001 Mutarama-Kamena 2019 Koperative Magazine
bagabana ubwasisi. Umwe m u b a n y a m u r y a n g o
NZAMWITAKUZE Marie Louise nawe yongeyeho:’’ Coproriz idufasha mu
bibazo bijyanye n’imibereho mu buzima busanzwe iyo wagize ibirori
cyangwa ibyango
hari uburyo bwinshi bakugoboka niyo mpamvu nkagurira abantu bose
kwitabira gahunda yo gukorera mu makoperative’’
COPRORIZ NTENDE ifite gahunda yo kwagura ibikorwa byayo
mubundi buhinzi butari umuceri ndetse n’ubworozi irateganya
kandi kwagura ibikorwa remezo byayo kugira ngo ikomeze kongera
umugabane shingiro w’umunyamuryango ndetse n’inyungu
ibikomokaho.
INCAMAKE
• Yatangiranye abanyamuryango (560); abagabo 394 n’abagore 166,
• Ubu ifite abanyamuryango (3,761), harimo abagabo 2,450 n’abagore
1,311, • Umugabane wari w’amafaranga (3,730 Frw) mu mwaka wa
2003,mu kwaka wa 2008 urazamuka ugera kuri
(25,186 Frw) ugeze kuri (116,000 Frw).• Yatangiye guhinga
umuceri ku buso bungana (55 ha); ubu umuceri uhingwa kuri (600 ha)•
Umusaruro ugeze kuri hegitari (5t/ha)
UBUSHAKASHATSI
KURWANYA UBURYAYI MU BUHINZI BW’UMUCERI
UBWIKOREZI/TRANSPORT
UBUHINZI BW’UMUCERI
UBWIKOREZI BW’ IMBUTO-IFUMBIRE-UMUSARURO
INAMA N’ AMAHUGURWA
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NO: 001 Mutarama-Kamena 2019 Koperative Magazine
ABAHINZI bibumbiye muri Koperative UBUMWE barishimira ko
ubuhinzi bw’urutoki bwahinduye ubuzima bwabo. Koperative Ubumwe
ikorera mu karere ka Ngoma mu murenge wa RUKIRA mutugari
dutandukanye twawo.
Iyi koperative yatangiye gukora ari ishyirahamwe mu mwaka wa
2005 ari abanyamuryango 28 baje kwibumbira muri koperative muri
2009. Nkuko twabitangarijwe na NYAKARUNDI Tresphore umwe
mubatangije iyi Koperative yagize ati : ’’ Twangiye kwibumbira mu
makoperative kubera ibibazo twari dufite muri icyo gihe aho ikilo
cy’igitoki cyaguraga amafaranga atanu (5) ariko tumaze kwishyira
hamwe igiciro cyarazamutse kigera ku mafaranga makumyabiri n’atanu
(25). Nyuma twaje
kwimbumbira muri Koperative maze igiciro kirazamuka kigera ku
mafaranga 125frw. Twakoze ubukangurambaga kugira ngo abacuruzi
badakomeza kuduca inyuma bahenda abahinzi. Nyuama yo guhabwa
amahugurwa na MINAGRI no guhabwa ubuzima gatozi na RCA twakoze
urugendoshuri mu bihugu duhana imbimbi cyane KENYA dutangira gukora
nk’abahinzi b’urutoki b’umwuga dukorera neza urutoki rwacu niyo
mpamvu ubu ibitoki byacu harrimo ibipima ibiro birenga 130 kg.
Ubu Koperative yateye imbere abanyamuryango bageze kubikorwa
bizamura imibereho yabo (Inzu nziza , imirima amasambu, kwishyurira
abana ishuri mutuweri n’ibindi...)
Ubu isoko n’igiciro cy’ikilo cy’ibitoki ni koperative irigena
bishingiye ku musaruro, bitandukanye na mbere aho abacuruzi aribo
bagenaga igiciro bakatwunamaho’’
Ubwo twasuraga Urutoki ruhingwa na Koperative Ubumwe twasanze
rusasiye neza ndetse ntabindi bihingwa birimo kugira ngo umusaruro
wiyongere kubwiza no kubwinshi. Abanyamuryango bayo bateye imbere
mu rwego rw’Imibereho. Nyuma yo guhugurwa na RCA ku micungire ya
Koperative ubu iyi Koperative ifite abakozi babiri ( 2) bashinzwe
imicungire y’umutungo umunsi ku munsi.
Kwibumbira muri koperative birumvikana ko koko byahinduye
ubuzima bwabo.
Koperative y’abahinzi b’urutoki yahinduye ubuzima
bw’abanyamuryango
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IMIYOBORERE n’imicungire mibi igaragara mu Makoperative bituma
habaho gusesagura ndetse no kunyereza umutungo w’Amakoperative,
ibyo bigakorwa n’Abayobozi b’Amakoperative n’abakozi bayo.
Ikibazo cy’imicungire mibi y’umutungo ndetse no kunyereza
umutungo kigaragara mu Makoperative, gihangayikishije cyane
abanyamuryango b’Amakoperative ariko cyane cyane Leta ishinzwe
kubungabunga umutekano w’abantu n’ibyabo.
Kurwanya inyerezawa ry’umutungo mu Makoperative ni ikibazo
cyahagurukiwe n’inzego za Leta zinyuranye harimo Ikigo cy’Igihugu
gishinzwe guteza imbere Amakoperative, Ikigo cy’Igihugu gishinzwe
kugenza ibyaha, Polisi y’Igihugu n’ Inzego z’ibanze.
Ikigaragara ni uko hari intambwe ikomeye yatewe mu rwego rwo
gukumira Inyerezwa n’itorokana ry’umutungo w’Amakoperative, ibyo
bikaba byarakozwe mu rwego rwo kurengera inyungu
z’abanyamuryango.
Ku ubufatanye cyane cyane n’Urwego rw’Ubugenzacyaha (RIB)
n’Urwego rw’Ubushinjacyaha (NPPA), hari amafaranga agera kuri
miliyoni 420 FRW yanyerejwe mu makoperative yashoboye
kugaruzwa.
Amadosiye y’abanyereje umutungo wa za SACCOs bagejejwe muri RIB
ibakorera amadosiye, bashikirizwa inkiko, baraburana, baratsindwa,
bategekwa gusubiza amafaranga bari banyereje. Ikigo cy’Igihugu
gishinzwe guteza imbere
Kurwanya inyerezwa n’imicungire mibi y’umutungo mu
Makoperative
Amakoperative cyashikirije kandi Urwego rw’Ubugenzacyaha (RIB)
dosiye zigaragaramo miliyoni 205 Frw zaburiye mu makoperative
y’abamotari mu gihugu hose. RIB igitangira akazi kayo, miliyoni
14.4 Frw zahise zigaruzwa kubera ko abayanyereje batinyaga ko
bafatwa.
Hari miliyoni zisaga Magana abiri (200,000,000 frw) zanyerejwe
muri Koperative y’ababazi b’i Rubavu n’ahandi. Abazinyereje barimo
gukurikirwanwa na RIB ndetse hari n’icyizere ko ayo mafaranga
azagaruzwa.
Uko gucunga nabi umutungo w’Amakoperative no kuwunyereza,
byatumye habaho kuvugurura amakoperative amwe n’amwe (abamotari,
abahinzi b’ibirayi, ababazi n’abandi), aho yagiye asobanurirwa ko
abacunga nabi cyangwa abakinisha amafaranga ya koperative mu nyungu
zabo bwite bazabiryozwa nta shiti.
Uretse kunyereza umutungo w’Amakoperative bayobora, abayobozi
b’amakoperative bakunze gukora ibindi byaha binshi harimo guhishira
amakuru ku bitagenda neza, gutanga raporo zitujuje ubuziranenge,
gukoresha izina rya Koperative
mu nyungu z’umuntu ku giti cye, gutanga umugabae we ho ingwate,
kudatumiza inama, guca abanyamuryango mo ibice n’ibindi; ibyo byose
bikaba bikurikiranwa kandi bigahanwa n’amategeko.
Kubera ubufanye bw’inzego zitandukanye, abanyereza umutungo
w’amakoperative bagacika cyangwa bagatoroka, bamenye ko bazagumya
gukurikiranwa kugeza igihe bafatiwe kandi ko imitungo yabo
izafatirwa mu rwego rwo kurengera inyungu z’abanyarwanda bakorera
mu Mamakoperative.
Mu rwego rwo gukumira imicungire mibi y’amakoperative
n’inyerezwa ry’imitungo yayo, Ikigo cy’Igihugu gishinzwe guteza
imbere Amakoperative cyafashe ingamba zijyanye no guhugura
amakoperative (coaching), kuyakurikirana no kuyakorera ubugenzuzi
buhoraho (Inspection) k’ubufatanye n’inzego z’ibanze, kuyakorera
ubugenzuzi bwimbitse (audit) no gushikiriza Urwego rw’Ubugenzacyaha
amadosiye y’abakekwaho kuba baranyereje cyangwa baracunze nazi
umutungo w’Amakoperative bayobora cyangwa babereye abakozi.
“Agapfa kaburiwe ni Impongo”.
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MU rwego rwo kwimakaza umuco mwiza w’ubutore ku bayobozi
b’amakoperative hagamijwe kongera Indangagaciro na kirazira z’umuco
nyarwanda , ku bufatanye na Komisiyo y’Igihugu y’Itorero (NIC) mu
ntego yayo igira iti ‘’kubaka Umunyarwanda ukunda Igihugu, ukunda
umurimo, ufite indangagaciro na kirazira z’umuco nyarwanda kandi
ufite umuco w’ubutore», Minisiteri y’Ubucuruzi n’Inganda , Ikigo
cy’Igihugu gishinzwe Guteza Imbere Amakoperative (RCA) n’abandi
bafatanyabikorwa, bateguye Itorero ry’Abayobozi b’Amakoperative
kuva ku ya 10 kugeza ku ya 21 Weruwe 2017, i Nkumba mu Kigo
gitorezwamo umuco w’Ubutore kiri mu Karere ka Burera Intara
y’Amajyarugu.
Iri torero ryari rifite insanganyamatsiko igira
Umuco w’ubutore
iti: “Imiyoborere myiza mu makoperative iteza imbere ishoramari
rirambye kandi ryunguka” Itorero ryitabiriwe n’abatozwa 482 barimo
Abagore 84 n’Abagabo 398 baturutse mu Gihugu hose mu byiciro
bitandukanye harimo Abayobozi n’Abakozi bakuru b’Amakoperative,
Abakozi ku Karere bafite iterambere ry’Amakoperative mu nshingano,
n’abayobozi muri za Federasiyo za Koperative.
Aba bitabiriye iri torero, batojwe kwimakaza indangagaciro na
kirazira z’umuco nyarwanda mu nshingano zabo nk’abayobozi
b’amakoperative. Itorero ry’Abayobozi b’amakoperative
INDEMYABUKUNGU ryari rigamije kandi guhuriza hamwe aba bayobozi
b’amakoperative kugira ngo rigere ku intego z’umwihariko zifuzwa
arizo , kugira Itorero ry’Abayobozi
b’Amakoperative barangwa n’umuco w’Ubutore ugaragarira mu
myumvire, mu myitwarire, mu mitekerereze no mu mikorere; kubaka mu
Bayobozi b’Amakoperative umuco wo kwanga ikibi no gukunda icyiza mu
byo bakora, kubaka amakoperative afite umwimerere nyarwanda ;
kubaka mu Itorero ry’Abayobozi b’Amakoperative ishyaka ryo gukunda
u Rwanda n’Abanyarwanda; Gutsura imikoranire myiza n’abandi
bafatanyabikorwa (Leta, abaturage, abikorera, abaterankunga
n’abandi bafatanyabikorwa mu iterambere).
Muri icyo gihe cy’ibyumeru bibiri itorero ryamaze, Intore
zatojwe hakoreshejwe uburyo butandukanye bw’imitoreze, harimwo
Ibiganiro, akarasisi, imyitozo ngororamubiri, kwiyereka gakondo,
imikoro-
Abatoza b’Intore
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NO: 001 Mutarama-Kamena 2019 Koperative Magazine
ngiro, Gutarama no guhiga.
Umusaruro wari witezwe muri iryo Itorero I N D E M Y A B U K U N
G U harimo ko Indangagaciro na kirazira z’umuco nyarwanda zimakazwa
mu makoperative, Umuco w’ubutore ko ugomba gusakazwa mu
banyamuryango b’amakoperative binyuze mu bayobozi babo,
Impinduramatwara ko zigomba kugaragara mu mikorere, imiyoborere,
imicungire n’imikoranire mu makoperative, Abayobozi b’Amakoperative
ko bagomba kugira uruhare mu ruhererekane nyongeragaciro ku
bikorerwa iwacu Amakopertive ko agira uruhare mu kongera no
gutunganya umusaruro
hagamijwe guhaza isoko ry’imbere mu Gihugu no gusagurira amasoko
yo hanze, amakoperative agomba kugira uruhare mu guteza imbere
umuco wo gukunda umurimo, kuwunoza no kuwuhesha
agaciro, Amakoperative ko agomba kugira umuco wo kwizigamira no
kwigira, kumenyana kw’inzego zitandukanye z’amakoperative no
gukorana mu mucyo hagamijwe iterambere rusange, guhiga no kwesa
imihigo.
Itorero ryahize kandi ryemerera imbere y’Abatoza bakuru kuzesa
Imihigo cumi n’enye ibumbuye mu ngingo enye biyemeje harimo
gufatanya n’ubuyobozi bw’ibanze aho bakorera gutoza abandi bayobozi
b’amakoperative n’abanyamuryango, ugira uruhare mu mpinduramatwara
mu miyoborere n’imicungire y’amakoperative, kugira uruhare mu
guteza imbere ishoramari no kongera umusaruro mu bwinshi no mu
bwiza. Itorero ryashojwe hakorwa umuhango wo kwinjiza Intore mu
zindi, kuziha izina ndetse n’Icyivugo cy’Umutwe w’intore. Intore
zahawe izina INDEMYABUKUNGU n’Icyivugo cy’Intore kigira kiti :
“Ndi Indemyabukungu mu Nkomezamihigo;
Ndi Ingabonziza mu Rungano;
Urungano rusizanira ubukire bushingiye bushingiye ku
by’iwacu;
Nkaba ku isonga mu kubaka u Rwanda rushya n’iterambere rya
Afurika”
mu Makoperative
Umwe mu Abayobozi b’isibo
Abavuzi b’amacumu/Umuhango wo kwinjiza intore muzindiUmutoza
w’Intore:
MUSERUKA RWIGAMBA Ivan
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Umunsi mpuzamahanga w’Amakoperative 2018
Umuyobozi Mukuru wa RCA ageza ijambo ku bitabiriye uwo
muhango
Intangiriro:
Umunsi mpuzamahanga w ’ A m a k o p e r a t i v e (International
Cooperative Day) wizihijwe ku ncuro ya mbere muri 1923. Ni ukuvuga
ko mu mwaka ushize wa 2018, uwo munsi wijihijwe ku ncuro ya 95.
Muri 1994, Umuryango w’Abibumbye wagaragaje ko ushyigikiye
iyizihizwa ry’uyu munsi, hanemezwa ko koko Amakoperative agira
uruhare rukomeye mu bukungu, imibereho myiza n’iterambere ry’umuco
w’abantu.
Uyu munsi watangiwe kwizihizwa nk’Umunsi Mpuzamahanga
w’Umuryango w’Abibumbye muri 1995, aho waje gusaba za Leta
z’Ibihugu biwugize gufatanya n’Umuryango y’Amakoperative yo mu
bihugu byayo gufatanya kwizihiza uwo munsi Mpuzamahanga. Ni ukuvuga
ko muri mwaka ushize wa 2018, ibihugu byawizihije ku nshuro ya 23
ku rwego rw’Umuryango
w’Abibumbye.
Mu Gihugu cyacu cy’u Rwanda, uyu munsi mpuzamahanga
w’Amakoperative watangiye kwizihizwa muri 2005.. ni ukuvuga ko mu
mwaka wa 2018 u Rwanda rwawizihije ku nshuro ya 14.
Iyizihizwa ry’umunsi Mpuzamahanga w’Amakoperative mu Gihugu
cyacu cy’u Rwanda mu
mwaka wa 2018.
§Ubusanzwe Umunsi mpu-zamahanga w’Amakoper-ative wizihizwa ku
rwego mpuzamahanga buri mwaka ku munsi wa gatandatu wa mbere
w’ukwezi kwa Nyakan-ga (First Saturday of July).
§Mu Rwanda ariko kubera im-pamvu nyinshi zitandukanye, uwo munsi
wizihijwe ku ncu-ro yawo ya 14, ku itariki ya 14/7/2018, ibirori
bibera mu Murenge wa Mudende, Akar-ere ka Rubavu, Intara
y’Ibu-rengerazuba.
§ Insanganyamatsiko y’uwo munsi ni: “Umusaruro uhagi-
je ndetse n’indyo yuzuye kan-di ya buri gihe”.
Kuri uwo munsi, abayobozi batandukanye b’Igihugu bab-oneyeho
umwanya mwiza wo kongera gushishikariza aban-yarwanda gukorera
hamwe mu Makoperative, gukome-za guharanira ko Amakop-erative yabo
acungwa neza, atanga umusaruro mwiza kandi mwinshi nk’uko
insan-ganya-matsiko ibivuga. Muri urwo rwego kandi, amako-perative
yasabwe kujya ako-rera ku mihigo no kurangwa n’umuco wo kwizigamira
kugira ngo arusheho kwiteza imbere kandi abashe gushora imari
itubutse mu bindi bin-tu, bityo ubukungu bw’igihu-gu
bukiyongera.
Amateka magufi y’amakoperative mu Rwanda
§Mu rwego rwo kwihuti-sha iterambere ry’Igihugu, hashingiwe ku
cyerekezo 2050 n’izindi gahunda z’Igihugu nka SDGs, nyuma ya
Geno-cide yakorewe Abatutsi mu
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INSANGANYAMATSIKO Z’UMUNSI MPUZAMAHANGA ZAZIRIKANWEHO MU RWANDA
(2005-2018)
IGIHE INSANGANYAMATSIKO ZAZIRIKANWEHO (2005-2018)
2005 Amakoperative yo kuzigama no kugurizanya ni inshingano
zacu! Dufatanye kwivana mu bukene
2006 Amakoperative ni imwe mu nzira yo kubaka amahoro
2007 Amahame n’imico biranga Amakoperative biteza imbere
imibanire magirirane y’abantu
2008 Amakoperative agira uruhare mu kurwanya imihindagurikire
y’ikirere
2009 Amakoperative afasha abagore kwiteza imbere
2010 Kuzamura imibereho y’abantu binyuze mu makoperative
2011 Urubyiruko, amizero y’ishoramari mu makoperative
2012 Ishoramari mu makoperative, isi y’agahebuzo !
2013 Koperative zigumana ingufu no mu bihe bibi by’ubukungu
2014 Koperative zigeza iterambere rirambye kuri bose
2015 Hitamo Koperative, uce ukubiri n’ubusumbane
2016 Ingufu zo gukorera ejo hazaza harambye
2017 Dukorere hamwe mu Makoperative ntawusigaye inyuma,duteza
imbere iby’iwacu,dushyigikira imiyoborere myiza
2018 Umusaruro uhagije mu Makoperative ndetse n’indyo yuzuye
kandi ya buri gihe.
1994, Guverinoma y’ubumwe bw’abanyarwanda yashyize-ho gahunda
y’Igihugu yo gu-teza imbere amakoperative kuko iyabona nk’umusingi
w’iterambere rirambye.
§Ku wa 18/09/2007 hashy-izweho Itegeko N°50/2007 rigena
ishyirwaho, imiterere n’imikorere y’amakoperative mu Rwanda, nk’uko
ryavugu-ruwe kugeza ubu. Mu mwaka wa 2008 hashyizweho Ikigo
cy’Igihugu gishinzwe iteram-bere ry’amakoperative (RCA).
§ Amakoperative abarizwa mu byiciro bitandukanye by’imirimo
harimo ubuhinzi n’ubworozi; gutwara abantu n’ibintu; ubucukuzi
bw’am-abuye y’agaciro; ubukorikori; kwizigama no kugurizanya
(SACCOs), ubwubatsi n’izin-di serivisi, yaravutse.
§ Amakoperative yose kugeza mu mpera za 2018, yari ibi-humbi
icyenda na mirongo ine n’atandatu (9.046) abariz-wa mu byiciro
bitandukanye
by’ubukungu kandi afite abanyamuryango barenga miliyoni
enye.
§Bimwe mu bimaze kugerwa-ho mu makoperative ni ibi
bikurikira:
§ Amakoperative afite uruhare runini mu kuzamura ishora-mari,
aho afite imari shingiro ingana na 45,254,210,454 frw;
§Umugabane nshingiro muri SACCOs yari ingana na 15,264,770473
frw mu kwezi kwa Cyenda 2018.
§Ubwizigame bwo bwari hafi miliyari 64 z’amafaranga y’u
Rwanda;
§ Amakoperative afite uru-hare rugaragara mu guhanga imirimo ku
banyamuryango bayo no gutanga akazi ku ba-fatanyabikorwa bayo;
§ Amakoperative afasha mu kwizigamira no gukorana n’Ibigo
by’imari;
§ Amakoperative afasha kandi
mu kwigisha abanyarwanda gukorera hamwe.
N’ubwo bigaragara ko umubare w’Amakoperative wiyongereye, kandi
ko Amakoperative akora neza kandi afite uruhare rukomeye mu
kurwanya ubukene mu banyamuryango bayo ndetse no mu Gihugu muri
rusange, cyane muri gahunda yo guteza imbere ibikorerwa iwacu (
Made in Rwanda), umubare munini w’abanyarwanda nturamenya ibyiza
by’Amakoperative, ibi bigatuma abayitabira batagera ku umusaruro
wifuzwa ndetse na bamwe muri bo bakaba batari bayagira ayabo
koko.Hakenewe rero ubukangurambaga mu Gihugu binyuze mu bikorwa
ndetse n’ibiganiro biganisha ku micungire n’imiyoborere myiza no mu
gushishikariza abanyarwanda kwitabira gahunda ya Leta yo gukorera
hamwe binyuze mu makoperative, byose bigamije iterambere ryihuse
kandi rirambye.
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Rwanda Cooperative Agency (RCA) P.O. Box : 6249 KigaliWebsite :
www.rca.gov.rwEmail : [email protected]:@RCARwanda Facebook:
Rwanda Cooperative AgencyFlickr: Rwanda Cooperative AgencyYoutube:
Rwanda Cooperative AgencyWEMIS: Web Enabled Cooperative Management
Information System RCA Toll Free : 4163