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UMUSHINGA W’UBWOROZI BW’INGURUBE BWA KIJYAMBERE

Abo Umushinga uzagirira akamaro : Nyir’umushinga ubwe n’abe ba hafi .Abaturage b’Intara ya Byumba n’ab’Igihugu cyose.

Adresse :Umuvugizi wawo n’icyo ashinzwe:Ubwoko bw’umushinga: Gahunda yo gutera inkunga ibikorwa by’ishoramari mu byaro (RIF)Aho ibikorwa by’umushinga bibarizwa :

Akagari : Umurenge : Akarere :Intara ya Byumba

Umubare w’abo umushinga uzagirira akamaro n’ibyiciro byabo :

-Abaturage b’Intara ya Byumba ;ni ukuvuga abantu 707.786 barimo abagor 370.305 n’abagabo 337.481 ;que-Abanyarwanda :muri rusange ; ni ukuvuga abantu8.128.553 barimo abagore 4.294.105, n’abagabo3.879.448 .

Igihe umushinga uzamara- Igihe cyo kuwushyir mu mwanya : Umwaka 1

- Ighe cyo kuwubyaza umusaruro : nticyateganyijwe

Amafaranga yose azagenda ku mushinga : 14.676.000 Frw

II. INSHAMKE Y’UMUSHINGA

Uyu mushinga ugamije ubworozi bw’ingurube bwa kijyambere, kandi ufitre ibyiciro bibiri :

Icyciro cyo gukwiza icyororo cy’ingurube : kizakwiza mu borozi bo mu karere icyororo cy’ingurube, ibyana by’ingurube by’amezi 2, by’ubwoko butanga umusaruro mwiza (LARGE WHITE).

Icyiciro cyo korora neza ingurube zo kubaga : kizorora ingurube kizigaburira neza, kugira ngo zibe zibyibushye bihagije , ku buryo zabagwa .

Umushinga uzakoresha uburyo bwo kororera amatungo menshi ahantu hato (élevage intensif, ukoresheje ubwoko bw’amatungo butanga umusaruro ushimishije, -aha ni LARGE WHITE--, akagaburirwa neza ibiryo bihagije ku rugero , kandi bifite ibya ngombwa byose, zororewe ahantu hakwiye kandi hagenzurwa bihagije ; Umushinga ugacungwa neza ku buryo uzatanga umusaruro mwiza ku mpande ebyiri : utugurube duto tw’inyagazi dutangwaho icyororo, n’ingurube zibyibushye zo kubagwa.

Hari ingorabahizi ubusanzwe zibangamira iterambere ry’ubworozi bw’u Rwanda muri

rusange, n’ubw’ingurube ku buryo bw’umwihariko. Ni eshanu: izerekeranye n’ibiryo

by’amatungo, isuku n’indwara, ubwoko bw’amatungo, izijyanye no kongerera agaciro

amatungo no kuyabyaza umusaruro

Kugira ngo umushinga ushobore kugira icyo ugeraho kigaragara, uzagomba guhangana no

kwigizayo izo ngorabahizi zose. Uzabishobora kandi, kubera ko ubifitiye ingamba , cyane

cyane ko nyira wo abifitemo uburambe bihagije, kandi akaba azitabaza n’impuguke

zizewe.

Amafaranga azagenda ku mushinga ni 14.676.000 Frw.

Igice kimwe cyayo kizaturuka kuri nyir’umushinga ubwe, iindi gitangwe na Banki

y’ubucuruzi yo mu gihugu, giherekejwe n’inkunga y’umushinga RSSP inyujijwe kuri

gahunda yayo yo gushyigikira ibikorwa by’ishoramari mu byaro RIF).

Uruhare rwa nyir’umushinga rurangana n’amafaranga 4.676.000 Frw, ni ukuvuga 32 %

by’amafaranga azagenda ku mushinga yose; naho amafaranga azaturuka hanze y’umushinga

azaba 10.000.000 Frw, ni ukuvuga 68 % by’amafaranga yose.

6.000.000 Frw zizaturuka kuri Banki, ari inguzanyo izishyurwa mu myaka itanu, asigaye

4.000.000 Frw, ni ukvuga 32% by’amafaranga azaturuka hanze y’umushinga, atangwe na

RSSP ibinyujije kuri gahunda yayo yo gushyigikira ishoramari ryo mu byaro (RIF) ; aya yo

azaba ari inkunga itishyurwa.

Nta shiti ko umushinga uzunguka, kuko, mu mwaka wawo wa mbere ubwawo, uzaba ufite

Inyungu ivangiye (marge brute) , mbere yo kwishyura imisoro, ingana na 8.422.000 Frw,

kandi ifite ikigereranyo cyo kwunguka (Ikigereranyo cy’uburyo umushinga uzabyara

kinyungu (taux de rentabilité interne) kingana na 29,3 %, , bigaragara ko kiruta rwose

igisanzwe ku isoko ry’imari ( marché financier) ryo mu gihugu imbere (16%).

Ingwate zizatangwa ku nguzanyo zirusha agaciro bigaragara amafaranga azagurizwa

nyir’umushinga : 8.258.884 Frw, ni ukuvuga 10 000 000 Frw y’inguzanyo ubwayo na

2.158.884 Frw y’inyungu mu gihe cy’imyaka 3

III. TUGIRE ICYO TUVUGA KU BIBAZO BIRIHO N’UKO UBWOROZI BWIFASHE MU RWANDA

U Rwanda rusanzwe rubarirwa mu bihugu bitaratera imbere (PMA) ; ikigereranyo umusaruro wose w’Igihugu wo mu 2001 uwugabanyije n’abaturage bacyo bose (PIB), ni amadolari 220 y’amanyamerika.

Ubukene bwabaye akarande kuva mu myaka makumyabiri ishize bukomeje kuba ikibazo gihangayikishije; 60% by’ingo bibarirwa mu ngo zikennye .

Byongeye kandi, ikibazo cy’ubucye bwa proteyine zikomoka ku nyamaswa mu mirire y’abaturage kiracyakomeye.

Koko rero, uko ibintu byifashe ubu, isuzuma ry’ibiribwa by’abantu bituruka ku matungo rigaragaza k’umusaruro w’igihugu ubwawo utanga 50% gusa bya proteyine zikomoka ku nyamaswa zikenewe n’abaturage.

Nyamara kandi, hakurikijwe imibare ya FAO, mu Rwanda, ubworozi bwonyine bwagombye gutanga 10% by’ibikenewe muri proteyine , ni ukuvuga garama 6 ku munsi kuri buri muntu .

Birasanzwe, igihe cyose n’ahantu hose, uruhare rw’ubworozi mu gutanga ibitunga abantu ni indasimburwa.

Nyamara mu Rwanda, ntirubasha gutanga ibiribwa byose abaturage babukeneyeho .Muri rusange twavuga hari icyuho mu mirire y’abaturage, kigereranywa na garama 2,4 ku muturage kandi ku munsi .

Kubera icyo kibazo, kandi ihereye ku nshingano yayo yo gutanga amerekezo mu nzego zinyuranye z’ubuzima bw’Igihugu, Leta y’u Rwanda, ibinyujije kuri Minisiteri y’Ubuhinzi n’ubworozi ifite nyine mu nshingano zayo guteza imbere ubworozi, imaze gushyiraho gahunda inoze y’igihugu yo guteza imbere ubworozi.Iyo gahunda, ku byerekeranye no guteza imbere umusaruro w’ubworozi, yibanda kuri politiki yo gushyira imbere ubuzobere (spécialisation) no guharira uturere ibikorwa by’ubworozi biberanye na two (régionalisation).

Icyo gitekerezo cy’ubuzobere gisaba ko ubworozi bw’inka bwagombye kwibanda ku guteza imbere umusaruro w’amata, ubw’amatungo atuza (monogastriques) (ingurube, ibiguruka, inkwavu) bukibanda ku guteza imbere umusaruro w’inyama, naho ubw’amatungo mato yuza (ihene intama.) bukibanda ku guteza imbere umusaruro w’amata n’inyama

Impamvu umushinga ari ngombwa

Imibare ituruka muri MINAGRI igaragaza ko mu Ntara ya Byumba honyine hari ingurube8.525 ku baturage 707.786 ; ni ukuvuga ingurube imwe ku bantu 83.

Ku rwego rw’igihugu, habarurwa ingurube zigera ku 216. 627, ku baturage 8.128.553, ni ukuvuga urukwavu rumwe ku baturage 38.

Umubare w’abaturage b’u Rwanda wagaragajwe n’ibarura Rusange ry’Abaturage n’Imiturire ryo kuwa 15/8/2002 ni 8.128.336 .

Imbonerahamwe ikurikira kiragaragaza proteyine zikenewe mu mirire y’abaturage hakurikijwe imibare ya FAO :

Imbonerahamwe N°1 : proteyine zikomoka ku matungo zikenewe

Ikiribwa Proteyine ku muturage ku mwaka

Facteur de conversion

by’amafaranga azagenda ku mushingawose .

Ibikenewe n’abaturage byose hamwe

AmataInyama z’inka

Inyama z'amatungo mato yuza

Inyama z’ingurubeInyama z’urukwavu/z’ibiguruka Ifiigi

750 gr365gr438gr292 gr

110gr110gr146gr

36gr/Kg149 gr/ Kg162gr/Kg117gr/kg

160gr/kg162gr/kg107gr/kg

20,3 Kg2,45Kg2,70Kg2,50kg

0,69kg0,68kg1,36kg

165.005 Toni19.91521.94620.320

5.6085.52711.055

Aho twabikuye : Raporo y’Ikubitiro Akanama k’Igihugu Gashinzwe iby’Ubuhinzi : Vol.II.Avril 1991+ Ibarurar Rusange ry ‘abaturage n’Imiturire 15 Kanama 2002

Umusaruro w’ibiribwa uboneka mu Gihugu wagombye gufasha mu kubona ibyo byose bikenewe uteye ku buryo bukurikira :

Imbonerahamawe ya 2: Umusaruro w’ibikomoka ku matungo : Umwaka wa 2004

Ikiribwa UmusaruroIgihembwe A

Ibyari biteganyijwe2004

Ibyari bikenewe

Ibibura ho (T)

Urugero umusaruro watanzeho ibyari bikenewe (%)

AmataInyama Amagi Amafi Ubuki Impu

67.088 T21.42212601480456962

134.17642.8442.5202.960-9121924

165.005 T67.78911.0555.527--

30.82924.9458.5352.567--

816322,853

Aho twabikuye :Raporo ya MINAGRI yo muw’ 2004Umusaruro ugaragara ko udashimishije uterwa n’uko ubworozi butaratezwa imbere bihagije mu Gihugu, nk’uko imbonerahamwe ikurikira ibisobanura kurushaho, ihereye ku mibare y’amatungo ariho :

Imbonerahamwe N°3 : Imibare y’amatungo yari mu Gihugu : mu mpera zaKamena 2004

Intara Inka Ihene Intama Ingurub e

Ibiguruka Inkwavu

Butare 64.281 117.192 13.373 34.667 216.368 32.448Byumba 51.601 66.692 87.193 8.525 766.795 44.242Cyangugu 28.301 75.124 20.127 17.041 142.509 11.596Gikongoro 49.906 73.080 47.528 32.904 45.347 32.904Gisenyi 49.626 43.592 30.786 9.328 242.608 40.667Gitarama 176.001 141.837 31.383 48.655 314.418 227.526Kibungo 73.778 102.872 4.520 12.045 175.904 12.952Kibuye 52.766 73.050 46.808 14.644 96.384 152.295Kigali-ngali 102.495 103.505 33.373 15.057 256.564 36.719Ruhengeri 56.566 75.835 63.224 20.570 94.112 46.514Umutara 301.252 89.033 2.242 1.265 168.559 6.064Umujyi wa/ Kigali 14.443 19.745 1.859 1.926 44.573 10.475Yose hamwe 1.021.016 981.557 382.416 216.627 2.564.141 654.402

Icyo iyi mibare igaragaza ni ubuke bw’umusaruro w’ibiribwa ugereranyije n’ibikenewe

mu Gihugu

Ni yo mpamvu, kugira ngo igisubizo cy’ibibazo by’ibiribwa bikungahaye muri proteyine

zikomoka ku matungo abaturage bakeneye bikomeje kwiyongera, hakenewe ibikorwa

by’abantu bikorera ku giti cyabo mu rwego rw’ubworozi, kugira ngo burusheho gutera

imbere.

Bene ibyo bikorwa, mbese bimeze nk’ibivugwa muri uyu mushinga w’ubworozi, birihutirwa

ku buryo bw’umwuhariko, kugira ngo bitere inkunga mu ishyirwa mu bikorwa rya Gahunda

y’Igihugu yo Kurwanya Ubukene.

Ubworozi bw’ingurube mu Rwanda bufite ikibazo gikomeye cy’indwara ya muryamo, mu

gace k’uburengerazzuba bushyira amajyepfo y’Igihugu.

Igihe cyose nta rukingo rw’iyo ndwara ruzaba nta rurakaboneka, iterambere ry’ubworozi

bw’ingurube rizakomeza kugira ikibazo. Ni nayo mmpamvu imishinga minini y’ubwo

bworozi yagombye ,kwerekezwa mu majyaruguru y’Igihugu (Ruhengeri, Gisenyi ,Byumba),

hatarangwa na gato iyo ndwara, yashinze imizi ahandi mu Gihugu..

Uyu mushinga w’ubworozi bw’ingurube uzatangirana ingurube 30 gusa. Kazaba ari

nk’agatonyanga mu nyanja ; ariko kandi, turibwira ko udukorwa nk’aka tubaye twinshi

tugaterateranywa ari two twakura Igihugu mu kibazo cy’ibiribwa bicye.

Ikindi kigaragaza ko uyu mushinga uziye igihe, ni uko mu gihe hategurwa ingamba zo guteza imbere ubuhinzi mu Ntara ya Byumba, abaturage bo mu turere twa Ngarama na Bungwe bari basabye imishinga y’ubworoozi bwo mu biraro, cyane cyane ubw’ingurube.

Kuba rero uyu mushinga uhuje n’ibyo abaturage bifuza bituma wagashyizwe mu bikorwa.

IV. IMITERERE Y’UMUSHINGA N’INTEGO ZAWO

4.1.Intego rusange : Kugira uruhare mu kurwanya ubukene wongererera abaturage umutungo bakura ku bworozi bw’ngurube

4.2. Intego zihariye :

1. Kugira uruhare mu guteza imbere ubworozi bw’ingurube n’ibikorwa bibushamikiyeho : ukwiza mu borozi icyororo cy’ingurube zitanga umusaruro utubutse z’ubwoko bwa LARGE WHITE.

2. Kugira uruhare mu kubonera abaturage ibiribwa bakeneye: bashyira ku isoko umusaruro w’ibikomoka ku matungo: inyama, amavuta y’ingurube (saindoux) bikomoka ku ngurube zororewe, hamwe n’izivanywe mu bworozi zirangije igihe cyo kubyara (réforme).

3. Kugira uruhare mu kongera imyerere y’ubutaka : utanga ifumbire nziza kandi nyinshi.

4. Kugira uruhare mu kugabanya icyuho kirangwa mu buhahirane bw’igihugu n’Amahanga, hagati y’ibitumizwaz n’ibyoherezwa hanze (balance de paiements) : kubera ko inyama zatumizwaga hanze zizagabanuka, ahubwo hakaboneka uburyo bwo kuba hagira inyama z’ingurube n’ibizikomokaho byoherezwa hanze.

5. Kugira uruhare mu kubonera abantu akazi : ushyira mu karare ukoreramo n’ahandi mu Gihugu ibigo bitunganya umusaruro ukomoka ku ngurube, unongera umubare w’abantu bazashora imari mu bworozi bw’ingurube n’ibindi bikorwa bibushamikiyeho.

V. INGAMBA ZO GUSHYIRA UMUSHINGA MU BIKORWA NA GAHUNDA YABYO

5.1. Ibyiciro bigize umuhinga.

Umushinga ugizwe n’ibyiciro bibiri :

-Icyo gukwiz icyororo cy’ingurube : kizajya gikwiza mu borozi bo mu karere ibyana by’ingurube z’ubwoko butanga umusaruro mwiza bwa Large White bimaze amezi abiri bivutse.

-Icyiciro cyo korora ingurube zo kubaga : kizajya kigaburira ingurube neza kugira ngo zibyibuhe vuba, nizibagwa zitange inyama nyinshi.

2. Ingamba

Umushinga uzakoresha uburyo bwo kororera ingurube nyinshi ahantu hato kandi hagamijwe umusaruro mwiza utubutse (système intensif)ukoresheje ubwoko butanga umusaruro utubutse , ugaburire ingurube ibiryo byiza kandi birimo ibya ngombwa byose, ikindi kandi uzororere ahantu hagenzurrwa bihagije ku byerekeye isuku, ubworozi bwazo bucungwe neza ku buryo butanga ibyana byiza byo gukwirakwiza nk’icyororo, kimwe n’ingurube zagaburiwe byagaburiwe neza zibyibushye zo kubaga.

Ingamba zo gutubura umusaruro zizibanda ku kwigizayo ingorabahizi zibangamira iterambere ry’ubworozi bw’inkwavu, kugira ngo umushinga ushobore kugez ku isoko umusaruro mwiza ubereye abaguzi.

Ku byerekeye amasoko, ingamba zizitabazwa zizaba izo kuyashakisha no kuyagezaho umusaruro utagira amakemwa, ku biciro birihasi byakurura umuguzi, kubera ko umushinga uzihatira gucunga ibintu byawo neza, ugerageza kugabanya amafaranga agenda ku bikorwa, no kugena igiciro kiwuha inyungu zitari nyinshi

5.3. Ibikorwa biteganyijwe

Ibikorwa by’ibanze biteganyijwe ni ibi bikurikira:

1. Gushaka ikibanza umushinga uzakoreramo:Isambu ya Ha 2 yo irahari aya magingo, ari na ho umushinga uzakorera. Igice cyayo kiingana na 1,5 ha kizaharirwa ubuhinzi bw’ibyatsi bigaburira ingurube, naho ikindi gisigaye 0,5 ha giharirwe ibikorwa-remezo by’umushinga.

2. Urugo ruzengurutse isambu:Hateganyijwe kubaka urugo ruzengurutse ikibanza cyose cy’umushinga, kugira ngo ibikorwa byawo bitazavogerwa n’ubonetse wese.

3. Guhinga ubwatsi bw’amatungo n’ibinyabijumba:Ibiryo by’ingurube bizaba bigizwe ahanini n’ubwatsi n’ibinyabijumba , bizaba ngombwa guharira ubutaka buhagije aho bizahingwa: 1,5 ha ni byo zizaba zigenewe.

4. Gushyira mu mwanya ibikorwa remezo :Ibikorwa-remezo bizaba birimo:Amangazini azabikwamo ibikoresho binyuranye, imiti … ;n’ahazakorerwa ubworozi nyir’izina : inzu z’ingurube. Hazaba blocs eshatu zitandukanye.:

5. Gucukura ibimpoteri bibiri:Iibimpoteri ni ngombwa kugira ngo bijye mo amahurunguru y’ingurube, ari yo azavamo ifumbire nziza ikoreshwa mu buhinzi. Izajya inakoreshwa mu gufumbira imirima y ‘ubwatsi bw’ingurube.

6. Gushaka ibikoresho ( Equipements ):Ibikoresho bivugwa bizaba biirimo ibikurikira: Ibyo mu mangazini/ ububiko ; ibikoreshwa mu bworozi(Ibyo ingurube zinyweramo , ibyo ziriramo, …) .

7.Kugura ingurube zikuzeIngurube zizagurwa ku ikubitiro zigizwe n’inyagazi 30 zo mu bwoko bwa Large White. Hazangurwa igipfizi cyazo kimwe cy’ubwo bwoko.

8. Korora amatungo :Umushinga uzakoresha uburyo bwo kororera inkwavu nyinshi ahantu hato (élevage intensif, wita cyane cyane ku bisabwa byose kugira ngo ubworozi bugende neza kandi bugire icyo bugeraho gishimishije te.

Hari ibigomba kwitabwaho ku buryo bw’umwiharilko : Kubangurira, gukurikirana ingurube zihaka, izonsa, gucutsa ibyana bigejeje igihe, gukwiza mu borozi amashashi y’ingurube z’inyagazi zo korora, no kugaburira neza ingurube zimwe kugira ngo abyibuhire kuzabagwa ari nziza ; igurisha n’ibaga by’izo ngurube, ndetse n’izindi zigejeje igihe cyo kuvanwa mu bworozi (réformés) zimaze imyaka 5.5.4. Ingengabihe y’ibikorwa

Ibikorwa 1 2 3 4 5 6 7 8 9 10 11 12

1. Gutunganya ikibanza ////2.Gushyira ibikorwa-remzo mu mwanya //// ////3.Ibikoresho (Équipement) /////4.Gushaka amatungo ////5. Ubworozi nyir’izina- Kubangurira- Igihe cyo guhaka kw’amatungo- igihe cyo kubyara kw’amatungo- Igihe cyo kwonsa- Kurera ibyana kugira ngo bikure- igihe cyo gucutsa ibyana- Gutanga icyororo / kugurisha- Korora ingurube ziigenewe kubagwa- Kubaga/ kugurisha

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6. gusuzuma imigendekere y’umushinga/ Gutanga za raporo

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VI. GUKIURIKIRANA NO GUSUZUMA IMIKORERE Y’UMUSHINGA

- Ikurikirana ry’ibikorwa ryikorewe n’Umushinga ubwawo (Evaluation interne) : Rizakorwa na nyir’umushinga afatanyije n’abakozi ba MINAGRI ku rwego rw’Akarere. Raporo y’iryo genzura izajya itangwa buri gihembwe l.

Ku byereke isuzuma bikorwa rikozwe n’inzego ziturutse hanze y’umushinga:Umushinga uzitabaza abantu babishoboye kugira ngo babiborohereze, barimo abakozi b’umushinga RSSP ku rwego rw’Intara, n’abahagarariye umuterankunga. Iryo suzuma bikorwa rizajya rikorwa mu mpera za buri mwaka.

VII. UBUSHOBOZI NYIR’UMUSHNGA AFITE

Nyir’umushinga yisanganiwe ubuzobere mu byerekeye ubworozi bw’ingurube.Byongeye kandi, hari umuveterineri ubihugukiwe azajya agenderera ibikorwa by’umushinga nibura kabiri mu cyumweru , abihemeberwe.N’abakozi ba RSSP ku rwego rw’Intara bazajya batera inkunga umuhinga mu gushyira mubikorwa gahunda yawo, no mu ikurikirana ryawo.

VIII. ESE UMUSHINGA URASHOBOKA ? ESE UFITE AMAHIRWE YO KURAMBA ?

Uyu mushinga uzakoresha uburyo bwo kororera ahantu hato ingurube nyinshi z’ubwoko bwiza butanga umusaruro ushimishije, ni ukuvuga ubwa Large White, ugaburire amatungo yawo ibiryo byifitemo ibya ngombwa byose, kandi uzororere ahantu hahora hagenzurwa neza, ucungwe neza bihagije ku buryo uzajya utanga umusaruro mwiza w’amashashi azajya akwizwa mu borozi nk’icyororo, unagurishe ingurube zagaburiwe neza zo kubagwa.

Kugira ngo umushinga wizere kuzagira umusaruro mwiza wifuza, uzagomba kwigizayo ingorabahizi zose zisanzwe zibangamira ubworozi bw’U Rwanda muri rusange, n’ubworozi bw’ingurube ku buryo bw’umwihariko.

Reka twibutse hano izo ngorabahizi, ziri mu byiciro bitanu : izo mu rwego rw’ibigaburirwa amatungo, kuyavuza, ubwiza bw’ubwoko bw ‘amatungo , kuyongerera agaciro no kuyabyaza umusaruro.

Hazitabwa ku bikuriira kugira ngo izo ngorabahizi zibonerwe umuti :

- ibiryo by’amatungo n’aho bizaturukaIbiryo by’amamtungo bizaba bigizwe n’ibimera n’ibiryo mvaruganda bikungahaye ku mafu bihabwa ingurube hakurikijwe icyiciro zirimo

Ibisobanuro biruseho ku biribwa murabisanga ku mbonerahamwe ikurikira :

Umubare w’amatungo Ibiryo binyuranye Ibiryo mvaruganda bikungahaye kumafu (concentré)

Yosehamwe

1 2 3 4 5 6 7 8 9Ibyiciroby’amatung o

Umubare Igihe(iminsi)

Amafaranga/ku itungo/kumunsi

Amafarangayose hamwe

Igihe(iminsi)

Amafarnga /ku itungo /kumunsi

Amafarangayose hawe

Ingurubez’imbyeyi

30 365 80 876.000 365 100 1.095.000 1.971.000

Ibipfizi 1 365 80 29.200 365 50 18.250 47.450Ibyanabicyonka(amezi 2)

240 30 100 720.000 30 50 360.000 1.296.000

Ibyanabigaburirwa biteganyirijw e kubagwa

120 180 100 2.760.000 180 50 1.080.000 3.888.000

Yosehamwe

3.785.200 2.553.250 6.338.450

Amafaranga azagenda ku biribwa by’amatungo

Ibyo twabivugaho:

Ibiribwa binyuranye : Bizaba birimo ubwtsi, ibikomoka ku bihingwa n’ibisigazwa byo mu nganda zo mu Karere. Buri tungo rizajya rihabwa ibiro bibiri bya bene ibyo biryo. Ikiguzi cyabyo ni amafaranga 40, ni ukuvuga ko amafaranga agenda kuri buri ngurube ku munsi ari80.

Ibiryo mvaruganda (concentré) : Ibipfizi bizajya bihabwa ½ kg ku munsi, naho ingurube z’imbyeyi zihabwe ikilo kimwe kiguze amafaranga 100.

- Uruhushya ruhagaritse (colonne) rwa 5 ruboneka bakuba impushya zihagaritse2 x 3 x 4

- Uruhushya ruhagaritse (colonne) rwa 8 ruboneka bakuba impushya zihagaritse 2 x 6 x7

- Impushya zihagaritse za 3 na 6 (Igihe) zisobanurwa n’ingengabihe yabigenewe- Ibibwana bicyonka bizatangira kugaburirwa guhera ku kwezi kwa mbere y’uko bicuka- Nyuma y’aho, amashashi y’ingurube azatangira gutangwaho icyororo, hanatangire

ibyo korora izigenewe kuzabagwa..- Aha twarebye ingurube zizororwa bwa mbere.

Kuvura amatungoUyu mushinga ufite intego yo korora neza ingurube mu buryo zigira ubuzima bwiza.Bizasaba rero ko umùuveterineri uzi,neza ibyo kuvura amatungo koko azigeraho nibura kabiri mu cyumweru, akanabihemberwa.

-Ubwoko bw’ingurube bwatoranyijwe kororwa n’ibiburanga (paramètres zootechiniques)

Uyu mushinga uzakoresha uburyo bwo kororera ahantu hato ingurube nyinshi z’ubwoko bwiza butanga umusaruro ushimishije, ni ukuvuga ubwa Large White butavangiye

Dore ibiburanga :- Urubyaro rwayo mu mwaka umwe : 12- Ikigereranyo cy’uburumbuke : 80%- Ikigereranyo cy’izipfa : 10%- Ibiro ingurube kibagwa iba ifite : 100 kg- Ibiro by’ingurube ishaje ivanwa mu bworozi ifite: 120 kg- Ibiro kigipfizi gishaje kivanwa mu bworozi gifite: 150 kg- Inyama ziva ku ngurube ibazwe : 70%

Amatungo umushinga uzaheraho worora azavanwa mu mishinga y’ubworozi bw’ingurube y’abandi borozi ba kijyambere, i Byumba, Kigali, Ruhengeri…

- Inyubako n’ibindi bikorwa-remezo by’ubworoziUmushinga uzubahriza ibisabwa byose kugira ngo amatungo abeho amerewe neza, cyane cyane ku bijyanye n’ubuso bw’aho zororerwa busabwa mu bworozi bwa kijyambere- ibikoresho (Equipements)Umushinga uzateganya ibikoresho byose bya ngombwa byifashishwa mu kugaburira amatungo kuyuhira n’ibindi…

- Abakozi bakora mu bworozi bw’ingurubeUmushinga uzaha akazi abakozi bafite uburambe n’ubuzobere bihagije mu bworozi bw’ingurube, kugira ngo bibe byizewe ko umushinga uzacunganwa ubushishozi n’ubushobozi bihagije.

IX. INGENGO Y’IMARI Y’UMUSHINGA N’ISUZUMA RY’UBURYO WIZEYE KUZUNGUKA

9.1. Amafaranga yose umushinga uzakoresha n’uburyo azaboneka

1. 1. amafaranga agomba gushorwa mu ikubitiro ry’umushinga

Rubriques Urugero Ikiguzi cy’uruger- fatizo (C . unitaire (Frw))

Ikiguzi cya byose (Frw)

1. . Kugura ikibanza 2 ha 250.000 500.0002. Kuzitira ikibanza 2 ha 50.000 100.0003. gutera ibyatsi byo gutunga ingurube 1,5ha 100.000 150.0004 ibikorwa-remezo

– inzu z’ingurube- Inzitiro z’imbere mu kigo

500 m21ha

7.00050.000

3.500.00050.000

5.Gucukura ibimpotera ibimpoteri 2 50.000 100.0007. –Ibikoresho by’ubworozi mu mazu y’ingurube (équipements–desporcheries) :

-Ibyo kingurube z’imbyeyi ziriramo

-Aho zinywera /- Ibyo ingurube zororerwa

kubagwa ziriramo- Ibyo ziriramo

31311212

10.0008.00030.00020.000

310.000248.000360.000240.000

8.ibikoresho ( Matériel et Outillage) ff ff 500.0009. Kugura amatungo

- ingurube zigez mu gihe cyokwima

30 30.000 900.000

- Igipfizi 1 40.000 40.000Yose hamwe 6.998.000

2. Amafaranga yo gukoresha mu mushinga mu ntango yawo (fonds de roulement initial)

Amafaranga azaba akenewe yo gukoresha umushinga mu cyiciro cyawo cya mbere( amafaranga agenda ku bikorwa agenda ahindagurika -charges variables ) ni 7.628.000 Frw akaba ateye atya : :

- Ibiryo mvaruganda 100 6.338.000- Kuvura amatungo FF FF 100.000- Ibihembo bihabwa umuveterineri Amezi 12 15.000 180.000- Imishahara (abakozi + abazamu) 12 mois 80.000 960.000- ibindi (amazi, …) - - 100.000Ikurikirana n’isuzuma ry’ibiorwaby’umushinga + Raporo

4 pm pm

Amafaranga Yose hamwe 7.678.000

2. Amafaranga azashorwa yose n’aho azaturuka

Ibyiciro Urugero/umubare

Ikiguzi cy’urugero fatizo, unitaire (Frw)

Ikiguzi cya byose

Aho amafaranga azaturukaNyir’umus hingaubwe

Banki+RSSP

1. Kugura isambu 2 ha 250.000 500.0002. Kuzitira isambu 2 ha 50.000 100.0003. Imirima y’ubwatsi bw’amatungo 1,5ha 100.000 150.0004.Ibikorwa-remezo

– Inzu z’ingurube- Inzitiro z’imbere mu kigo

500 m21ha

7.000100.000

3.500.000100.000

5. Gucukura ibimpoteri 2 50.000 100.0007. –Ibikoresho byo mu mazu y’ingurube :

-Ibyo ingurube z’imbyeyi ziriramo

-Ibyo zinyweramo /-Ibyo ingurube zororerwa kubagwa ziriramo

- Ibyo zinyweramo

31311212

10.0008.00030.00020.000

310.000248.000360.000240.000

8.Ibikoresho ( Matériel etOutillage)

ff 500.000

8.Kugura amatungo- Ingurube z’inyagazi

zikuze30 30.000 900.000

- Ibipfizi 1 40.000 40.0009. Amafaranga yo gukoresha mu

bworozi (Fonds de roulement / Elevage)

- Ibiryo mvarugand(Aliments

concentrés)

100 6.338.000

- Kuvuza amatungo FF FF 100.000- ibihembo by’umuveterineri 12 mois 15.000 180.000- Imishahara ( Abakozi +

abazamu )12 mois 80.000 960.000

- Divers (eau, etc…) - - 100.00011. Ikurikirana n’isuzuma by’ibikorwa + Raporo

4 pm

IGITERANYO 14.676.000 4.676.000 10.000.000

% 100 32 68

4. Aho amafaranga umushinga uzakoresha azaturuka

Amafaranga umushinga uzakoresha azaturuka kuri nyirawo ubwe, kimwe no kuri RIF, ari yo sanduku ya RSSP igamje gutera inkunga ibikorwa by’ishormari mu byaro .

Ba nyir’mishinga ubundi bagirwa inama yo kugira uruhare batanga nibura 30% by’ imari ikenewe mu mishinga yabo.Uru ruhare rushobora kuba amafaranga, kimwe n’uko rwaba mu bintu

Naho inkunga iturutse hanze y’umushinga ubwawo izatangwa ku buryo bukurikira :60 % azava ku nguzanyo ya Banki izishyurwa, naho 40% azabe inkunga y’Umushinga RSSP, inyuze ku isanduku yawo igamije gutera inkunga ibikorwa by’ishoramari mu byaro, RIF.

Ku bireba uyu lmushinga , uuhare rwaw bwite ruzaba : 4.676.000 Frw , ni ukuvuga 32%by’amafaranga yose azawugendaho ; naho azava hanze yawo azaba angana na : 10.000.000Frw, ni ukuvuga 68% arimo :

- 6.000.000 Frw y’inguzanyo ya Banki, na- 4.000.000 Frw y’inkunga ya RSSP binyujijwe muri RIF

9.2. GAHUNDA YO KUBYAZA IKIGO UMUSARURO

Iyi ngingo irebwa ku nzego eshatu :1. Amafaranga azagenda ku bikorwa mbonezamusaruro ( charges d’exploitation)2.Amafaranga azava ku byagurisijwe ( produits ou chiffre d’affaires)3. Amafarnga azagenda ku bikorwa mbonezamusaruro

1. Amafaranga azagenda ku bikorwa mbonezamusaruroAmafaranga azakoreshwa mu bikorwa mbonezamusaruro agizwe n’ibikurikira :- Ibiryo by’amatungo : 6.338.000 Frw- Kuvuza matungo : 100.000 Frw

- ibihembo by’umuveterineri : 180.000 Frw- Imishahara ( Abakozi 2 + Abazamu 2 ) : 960.000 Frw- Ibindi ( amazi, gufata neza umutungo …) : 100.000 Frw- Amafaranga yishyurwa

Banki (Frais financiers) :1.080.000 Frw

- Amafaranga azigamirwa gusimbura ibishaje :819.600 Frw , abarwa ku buryo bukurikira:

Amafaranga azigamirwa gusimbura ibishaje n’uburyo bayabara

Ibitimukanwa Agaciro k’umutungo k’ikubitiro

Ijanisha ry’itakazagaciro

Amafaranga azigamirwa gusimbura ibishaje

Inyubako 3.500.000 10 350.000Uruzitiro rw’ikigo 200.000 10 20.000Imirima y’ubwatsibw’amatungo

150.000 20 30.000

Amatungo yorowe 940.000 20 188.000Ibikoresho(Equipement et matériel)

1.158.000 20 231.600

Amafaranga yose hamwe

819.600

2. Amafaranga umushinga uzinjiza (Chiffre d’affaires)Amafaranga umushinga uzinjiza azaturuka ku bintu bitatu :

- Ibyana by’ingurube bizatangwaho icyororo (bigurishijwe) : 4 / ku mbyeyi X imbyeyi 30 Ximbyaro 2 /ku mwaka = 240Igicuruzo : 15.000 Frw / 1 x 240 = 3.600.000 Frw

- Ingurube zororewe kubagwa: = 240Igicuruzo : 60.000 Frw / 1 x 240= 14.400.000.Frw- Amatungo ashaje avanywe mu bworozi : = 31

Igicuruzo : 70.000 Frw / 1x 31 = 2.170.000 FrwIzi zo zizagurishwa nyuma y’imyaka 6.

Amafaranga yose umushinga uzinjiza umaze kugurisha: 3.600.000 +14.400.000 = 18.000..000 Frw

3. Konti mbonezamusaruro (comptes d’exploitation prévisionnels)

Icyiciro 1 2 3 4 5

Amafaranga yose azinjira(Chiffre d’affaires)

18.000.000 19.800.000 21.780.000 23.958.000 26.353.800

Azashorwa bushyashya (réinvesissement)Kugura kibikoresho binyuranye bikenewe

6.538.000 7.191.800 7.910.980 8.702.080 9.572.285

Inyongeragaciro (Valeur ajoutée)

11.462.000 12.608.200 13.869.020 15.255.920 16.781.515

Amafaranga agenda kubikorwa adahinduka(frais fixes)

2.220.000 2.442.000 2.688.200 2.954.820 3.250.300

Cash Flow ibumbye( brut) 9.242.000 10.166.200 11.182.820 12.301.102 13.531.210Amafarnga azigamirwagusimbura ibishaje(Amortissement)

819.600 819.600 819.600 819.600 819.600

Inyungu ibumbye (BénéficeBrut)

8.422..400 9.346.600 10.363.280 11.481.500 12.711.610

Umusoro (35%) 2.947.840 3.271.310 3.627.130 4.018.525 4.449.065Inyungu havuyemo ibigomba kwishyurwa byose (Bénéfice net)

5.474.560 6.075.290 6.736.090 7.462.975 8.262.550

Ubushobozi bwo kwibeshaho ku mafaranga (Capacité d’autofinancement (cash flow net))

6.294.160 6.894.890 7.555.690 8.282.580 9.092.150

Imibare yerekeye amafarnga azinjira n’azasohoka ku bikorwa yabazwe ku mwaka wa mbere wonyine, naho ku myaka ikurikira trwakoresheje ry’ikigererayo cy’ubwiyongere bwayo cy’10.

Guhera ku mwaka wa mbere wawo, umushinga uzabona inyungu ya 8.422.400 Frw hataravanwamo imisoro, ubushobozi bwawo bwo kwibeshaho ku by’amamfaranga (capaicité d’autofinancement) bube 6.294.160 Frw .Iyo mibare yombi izikuba hafi kabiri ku mwaka wa gatanu ikaba : 12.711.610 Frw na9.092.150 Frw.9.3. Inyungu zitegerejwe ku mushinga

Inyungu zitegerejwe ku mushinga zasuzumwa ku nzego eshatu :

- Inyungu zo mu by’imari- Inyungu mu by’imibereho myiz y’abturage- Inyungu mu by’ubukungu

1. Inyungu mu byerekeye imari (rentabilité financière)

Isuzuma ry’inyungu umushing uzazana mu byerekeye imari rihera ku ndanga zitandukanye, ariko ziri mu byiciro bibiri :

1° Indanga zititabaza ibyo guhuza imibare n’ibihe (actualisation) ; izo ni:- Urwego umushinga utangiriraho kunguka (Le seuil de rentabilité)- Igihe umushinga umara kugira ngo ube ugaruje imari washoye ( temps de récupération du

capital investi)- Ikigereranyo cyo kwiyungura ( taux de rendement simple)

Ku bireba umushinga wacu, izo ;ndanga zifashe uko tugiye kubisobanura:

1. Urugero umushinga utangiriraho kwunguka

Urugero umushinga utangiriraho kunguka ruvugwa igihe ibikorwa by’umushinga biba bitangiye kubyara inyungu .

Icyo gihe amafaranga ava ku bintu umushinga ugurisha aba atangiye kuruta agenda ku bikorwa ahinduka (frais fixes) n’adahinduka (frais variables).

Amafaranga agenda ku bikorwa adahinduka yishyurwa n’umushinga hatitawe ku rugero rw’imirimo yakozwe.Naho amafarnga agenda ku bikorwa ahindagurika ni ya yandi abarirwa ku rugero rw’imirimo yakorewe umushinga ; ku bireba umushinga wacu, ubwo abarirwa ku bwinshi bw’amatungo umushinga ugenda worora. .

Imboinerahamwe ikurikira irerekana iragereranya amafaranga agenda ku bikorwa ahinduka(CF) n’adahinduka (CV ( (charges variables et non variables)

Inyito Total Amafaranga agenda ku bikorwa by’umushingaadahinduka

Amafaranga agenda ku bikorwaby’umushinga ahinduka

- Ibiryo mvaruganda by’amatungo(Aliments concentrés)

6.338.000

- Kuvuza amatungo 100.000- Ibindi (amazi…) 100.000- Igihembo gihabwa umuveterineri 180.000- Imishahra (Abakozi + Abazamu ) 960.000

- Amafaranga yishyurwa Banki 1.080.000- Amafaranga azigamirwa gusimburaibisaza (Amortissement)

819.600

Yose hamwe 3.039.000 6.538.000

Umukugiro umushinga utangiriraho kubyara inyungu rubazwe mu mafaranga, rubarwa ku buryo bukurikira :

CF / CA – CV = 3.039.000 / 18.000.000 - 6.538.000 =3.039.000 / 11.462.000 = 0,265

Ni ukuvuga 25,50% .

Ibi biravuga ko Umushinga ufite ubwinyagamburiro (marge de manœuvre) bungana na74,50% . Bikavuga kandi ko umukugiro umushinga utangiriraho kubyara inyungu (seuil de rentabilité ari amafaranga 18.000.000 x 25,50% = 4.590.000 Frw

Iyi mibare yerekana neza urugero umushinga utangiriraho kubyara inyungu mu mafaranga rugerwaho igihe amafaranga yose yinjiye ku bintu byacurujwe agera kuri 4.590.000 Frw, ahwanye na 25,50% ibi rero birashimishije .

2. Igihe umushinga uzakoresha ukaba umaze kugarura amafaranga washoye ( payback period)

Igihe umushinga uzakoresha kugira ngo ube ugaruje amafaranga washoya ( payback period)gihwanye n’icyo umushinga ubonamo inyungu zihwanye n’igishoro cyawo. .Duhereye ku mbonerahamwe yerekana konti mbonezamusauro , turasanga biteye ku buryo bukurikira :

Umwaka 1 2 3 4 5Igishoro 18.000.000Inyungu ku mwaka 5.474.560 6.075.290 6.736.090 7.462.975 8.262.500Inyungu zikomatanyeku myaka itandukanye

5.474.560 11.549.850 18.285.940 25.748.915 34.011.415

Iyi mbonerahamwe irerekana ko igishoro cy’ikubitiro kingana n’amafaranga 18.000.000, kandi kizaba kigarujwe mu mpera z’umwaka wa 3.Icyo gihe tukibona kandi dufashe igishoro tukakigabanya n’impuzandengo y’inyungu ku mwaka ibumbye (bénéfice moyen brut annuel).. Dufate umwaka wa mbere ; turasanga biteye bitya 18.000.000 Frw : 5.474.560 Frw = imyaka 28

3°. Ikigereranyo gisanzwe cyo kwunguka k’umushinga (Taux de rendement simple)

Ikigereranyo gisanzwe cyo kwunguka k’umushinga (taux de rendement simple), kuri buri mwaka ni ijanisha rigereranya inyungu n’amafaranga yose yashowe.

Twongere dufate umwaka wa 1 abe ari wo tubariraho ; ikigereranyo gisanzwe cyo kwunguka k’umushinga kizaba : 5.474.560 Frw x 100 18.000.000 Frw = 30,41%

2° Ibyitegererezo bishingiye ku guhuza n’ibihe (critères basés sur l’actualisation)

Igitekerezo cyo guhuza imibare n’ibihe gishingiye ku ko umubare w’amafarng uyu n’uyu iyo uhise uboneka urusha agaciro uzaboneka nyuma y’igihe unaka .

Imbonerahamwe yifashishwa mu guhuza n’ibihe (actualisation) itanga imibare yifashihwa(coefficientsà), hakurikijwe umwaka n’ijanisha ry’ihuzwa n’ibihe (taux d’actualisation)..

Ni ukuvuga ko amafaranga A agurijwe ku ijanisha ry’inyungu i, nyuma y’imyaka n azaba afite agaciro gakurikira : A (1 + i)r.

Muri ubwo buryo, agaciro k’ubu k’amafaranga katavangiye (valeura Actuelle Nette (VAN)y’inguzanyo izaboneka mu myaka N iri imberegahwanye na:

A(1 + i)r

Icyitegererezo bakunze gukoresha ni Ijanisha ry’uburyo umushinga wunguka icyitwa : Ijanisha ry’uburyo umushinga wunguka (Taux de Rentabilité Interne) (TRI ).

Ijanisha ry’uburyo umushinga wunguka ni ikigereranyo gituma agaciro k’igishoro kingana neza neza n’amafaranga umushinga winjiza (cash flow) aturutse kuri icyo gishoro.

Igishoro giturutse ku nguzanyo ku ijanisha ry’inyungu ringana na TRI ntugira inyungu cyangwa igihombo. Ibi bivuga ko kugira ngo umushinga ubyare inyungu, TRI igomba kuba isumbye kijanisha ry’inyungu .

Ku bireba umushinga wacu, TRI iteye ku buryo bukurikira :

4°.Ikigereranyo gisanzwecyo kwunguka k’umushinga (Taux de rendement simple)Anné e

Igishorocy’ikubitir o n’isgishoro gishya

CFNAUmubara w’amafaranga ugomba guhuzwa n’ibihe

C. A.16%

CFNAIhujwe n’ibihe

C . A.30%

CFNAIhujwe n’ibihe

0 18.000.000 -18.000.000 1 -18.000.000 1 -18.000.0001 6.294.160 0, 862 5.425.565 0,769 4.840.2092 6.894.890 0,743 5.122.903 0,592 4.081.7743 7.555.690 0,641 4.843.197 0,455 3.437.8384 8.282.580 0,552 4.571.984 0 ,350 2.898.9035 9.082.150 0,476 4.323.103 0,269 2.443.098

6.286.752 -298.178TRI = A1 + (A2 – A1) x A1 / (Van1 – Van2)

TRI = 16 + ( 30 - 16 ) x 6.286.752 / (6.286.752 +298.178 )= 16 + 14 x 6.286.752 / 6.584.930= 16 + 14 x 0,95 = 16 + 13, 3 = 29,3%

Uyu mushinga ufite ijanisha ry’uburyo uzabyara inyungu (TRI) riri hejuru bihagije, ringana na 29,3%, rikaba riruta rwose ijanisha ry’inyungu rikoreshwa na Banki zo mu Gihugu ( 16%), bikaba biha umushinga amahirwe ahagije yo gushyirwa mu bikorwa nta nkomyi no kuba wabona kinguzanyo y’amabanki. .

2 . Inyungu mu byerekeye imibereho myiza y’abaturage (Rentabilité sociale)

Umushinga uzzanira akazi abantu batari bacye, bahembwe imishahara itari munsi y ‘amafaranga 960.000 ku mwaka.

Aborozi bazarushaho gutera imbere mu bworozi bw’ingurube kubera ko bazaba bafite hafi aho bakura icyororo cyiza kibazanira inyungu

Ubworozi bw’inkwavu buzatuma aborozi babwungukiramo amafaranga atari macye ,maze imibereho yabo irusheho kuba myizaUmushinga uzagira uruhare mu gutuma ibiciro by’inyama birushaho kuba byiza ku muguzi ku isoko ry’imbere :mu gihugu, bityo buri wese ashobore kwihahira kuri icyo kiribwa gikyundwa na bose, ariko cyasaga n’aho gihariwe abifite kugeza ubu. Kuri ubwo buryo kandi, umushinga uzaba urwanya ikibazo cy’indyo ituzuye..

3. Inyungu mu byerekeye ubukungu

Umushinga nukwiza icyororo cyiza cy’ingurube, boizatuma zororokera aborozi, ibyo nta shiti. Ubwinshi bw’umusaruro bizatanga na wo uzatuma hari ibindi bikorwa bishamikira kuri ibwo bworozi, bivelmo inganda nto, zaba izikora ibikenerwa mu bworozi bw’ingurube (activités en aval de la production), byaba n’ibitunganya umusaruro uzikomokaho. .

Nk’urugero, inganda zikora ibiken,rwa mu bworozi bw’ingurube zaba nk’izikora inyongeramusaruro, zinyuranye zirimo ibiryo by’amatungo, naho izitunganya umusaruro zaba izitunganya inyama zikoramo ibiribwa (charcuterie)

Uyu mushinga uzagira uruhare rutari ruto mu kuziba icyuho hagati y’amafaranga aturuka ku bicuruzwa U Rwanda rwohereza hanze n’aturuka ku byo rwinjiza (balance de paiements).

Koko rero, uzatuma urugero rw’inyama zatumizwaga hanze y’Igihugu rugabanuka, bityo n’amafaranga y’madovize yabigendagaho agabanuke..

Ikindi kandi, uzakurura abantu bikorera ku giti cyabo bashore imari yabo mu bikorwa bisa na wo.

Ibi bizatuma umusaruro w’inyma uba mwishi ugere n’aho uruta urugero rw’izikenewe ziribwa imbere mu Gihugu, haboneke izoherezwe hanze, maze zizane amafaranga y’amadovize..

Ibi byose ni ko bizagenda bitanga akazi gahemberwa ku bantu benshi, binongera amafaranga atangwaho imisoro ya Leta ku nyungu..

10. GAHUNDA YO KWISYURA UMWENDA WAFASHWE

Gahunda yo kwishyura umwenda

UMWA

KA

AMAFARANGA YOSE

UMUSHINGA WAHAWE (EN COURS)

UBWISHYU

INGUZANYO

YA BANKI

RIF RIF INGUZANYO INGUZANYO YOSE

HAMWE

1 6.000.000 4.000.000 10.000.000 2.000.000 1.080.000 3.080.000

2 4.000.000 2.666.000 6.666.000 2.000.000 719.028 2.719.028

3 2.000.000 1.332.000 3.332.000 2.000.000 359.856 2.359.856

Yose

hamwe

6.000.000 2.158.884 8.156.884

- Icyo twabivugaho: - Iyi mbonerahamwe iragaragaza ko kwishyura inguzanyo (10.000.000Frw) bizamara imyaka 3.- Amafaranga yose agomba kwishyurwa arangana n à 8.156.884 , arimo 6.000.000

y’inguzanyo ubwayo na 2.158.884 Frw y’inyungu.

3. INGWATE N’UBURYOZWE

Ingwate igizwe n’agaciro k’ibintu bishinganywe bishobora gusimbura ubwishyu bw’inguzanyo.

♦ Ako gaciro kagenwa bahereye ku bwoko n’imiterere by’ibyimukanwa n’ibitimukanwa.

Ainsi pour :- Ku mazu, agaciro kaba ari 100% by’agaciro kagaragajwe na raporo y’impuguke

yayasuzumye- Ibikoresho bitimukanwa bibarirwa agaciro ka 50% by’agaciro kabyo bimaze gushyirwa

mu mwanya- Ibinyabiziga bifite ubwishingizi « omnium » bibarirwa 50% by’agaciro kabyo

♦ Uburyozwe (risque) bukubiyemo ibikurikira :- Amafaranga yose y’inguzanyo, hiyongereyeho- Inyungu zibariwe ku myaka 3- les intérêts pendant 3 ans

Kugira ngo umuntu ashobore guhabwa inguzanyo ya Banki, agaciro k’ umutungo watanzweho ingwate kagomba kuba gasumba uburyozwe.

Ku bireba uyu mushinga, imiterere y’ingwate n’uburyozwe bisobanuwe ku mbonerahamwe ikurikira :

Uburyozwe butangirwa ingwate Uburyozwe butangirwa ingwate

Ubwoko bw’umutungo Ubwoko bw’umutungo

inguzanyo Inyungu

17.18.19.20.

………………………………

6.000.000 2.158.884

Yose hamwe ……………Uburyozwe bwose hamwe 8.158.884Ubundi buryozwe bugomba ingwate

……………….

Ibyo tubivugaho :- Iyi mbonerahamwe irerekana ko ingwate zigomba gutangwa na nyir’umushinga zigomba

kuba ziruta uburyozwe twabaze haruguru, bungana na 8.158.884 Frw, wenda bidakabije, ariko kandi bihagije.

Uburyozwe bwose hamwe bukubiyemo: ubwishyu bw’inguzanyo ubwayo (6.000.000 Frw), n’inyungu zibariwe ku myaka 3, ni ukuvuga : 2.158.884 Frw

COCNLUSION

Intego nkuru y’Umushinga w’ubworozi bwa kijyambere bw’ingurube ni ukugira uruhare

muri gahunda y’Igihugu yo kurwanya ubukene, wongera umusaruro w’aborozi b’ingurube

n’abandi bashoramari bahuriye ku bikorwa bifitanye isano n’ibikorwa by’umushinga

Ibi bizagira n’uruhare mu gutanga ibiribwa bimwe byajyaga bibura, byongere umutungo

abaturage batagira amasambu binjiza bawukuye ku bikorwa bitari iby’ubuhinzi, byongere

ubushobozi bwo guhaha (pouvoir d’achat), bityo byongere umubare w’abaguzi b’ibintu

binyuranye ku isoko ry’imbere mu gihugu.

Koko rero, uyu mushinga uzateza imbere ubworozi bw’ingurube n’ibikorwa byose

biwushamikiyeho, wongere inyungu zizinjizwa n’aborozi, wongere umusaruro w’ibiribwa mu

baturage, utange akazi, kandi ugire n’uruhare mu kuziba icyuho hagati y’ibicuruzwa Igihugu

cyohereza hanze n’ibyo gitumiza (balance de paiements).

Nk’uko twabigaragaje haruguru, uyu mushinga ufite ubushobozi bwo kubyara inyungu , kandi

ukaba ufitiye abaturage akamaro kadashidikanywaho, haba mu rwego rw’ubukungu cyangwa

mu rw’imibereho myiza.

Amafarnga azagenda ku mushinga yose ni 14.676.000 , akazaturuka aha hakurikira:

- Uruhare rwa yir’umushinga: 4.676.000 Frw, ni ukuvuga 30% by’amafaranga

yose

- Amafaranga azaturuka hanze y’umushinga asabwa ni 10.000.000 Frw, ni ukuvuga

70% by’amafaranga yose azagenda ku mushinga, arimo :

6.000.000 Frw azatangwaho inguzanyo na Banki, na

4.000.000 Frw azatangwaho inkunga n’Umushiga RSSP,

binyujijwe kuri gahunda yawo ya RIF

Gahunda yo kwishyura inguzanyo izamara imyaka 3.

Nta gushidikanya ko uyu mushinga uzabyara inyungu, bitewe n’uko, guhera ku mwaka wawo

wa mbere wonyine, inyungu izaboneka, mbere yo kwishyura imisoro, izaba ingana na

8.422.000 Frw , kandi ukaba ufite ikigereranyo cy’inyungu (taux de rentabilité interne) cya

29,3%, bigaragara ko kiruta rwose igisanzwe kigenderwaho ku isoko ry’amafaranga ( 16%)

ry’imbere mu Gihugu.

Kubera ibyo twasobanuye byose, turasanga uyu mushinga ukwiye guhabwa inguzanyo usaba

Banki, kimwe n’inkunga ya RSSP.