Mu gihe u Rwanda rukomeje guteza imbere ikoreshwa ry’ikoranabuhanga mu nzego zitandukanye, koperative Umwalimu SACCO nayo yateye indi ntambwe ikomeye igamije korohereza abanyamuryango bayo. Ubu yamaze gutangiza ku mugaragaro sisiteme nshya yo gusaba inguzanyo hifashishijwe internet, ikaba ari gahunda igamije kugabanya ingendo, kwihutisha serivisi no gukuraho burundu ikoreshwa ry’inyandiko zitangirwa mu ntoki.
Iyi gahunda si igitekerezo gishya cyadutse vuba, ahubwo yari yarateguwe kuva kera. Gusa ntiyahise ishyirwa mu bikorwa kuko byasabaga ko ibanza kwemezwa n’abanyamuryango ubwabo. Icyemezo cya nyuma cyafatiwe mu nama rusange yabaye ku wa 30 Werurwe, aho abanyamuryango bagaragaje ko bashyigikiye ikoreshwa ry’iyi sisiteme, bemeza ko igomba guhita itangira gukoreshwa.
Uko sisiteme nshya ikora
Muri iyi gahunda nshya, umunyamuryango ushaka inguzanyo ntazongera kujya ku ishami rya banki gutanga impapuro. Ahubwo asabwa kwinjira muri sisiteme ya Umwalimu SACCO akoresheje telefone cyangwa mudasobwa, agashyiramo ibisabwa byose mu buryo bwa digital.
Ibi bisobanura ko:
- Ibyangombwa byose bisabwa bishyirwa muri sisiteme (uploading),
- Dosiye igahita itangira gusuzumwa ako kanya,
- Sisiteme ikamenyesha usaba niba yujuje ibisabwa cyangwa niba hari ikibazo.
Urugero rugaragaza neza akamaro k’iyi sisiteme ni nk’umwarimu wakoreraga mu cyaro, wagombaga gukora urugendo rurerure ajya ku ishami rya koperative Umwalimu SACCO inshuro eshatu cyangwa enye kugira ngo dosiye ye y’inguzanyo itunganywe. Ubu ho, uwo mwarimu ashobora gukora ibyo byose ari ku ishuri cyangwa mu rugo, agategereza gusa kujya gusinya no gufata amafaranga.
Ikindi kandi, sisiteme ifite ubushobozi bwo guhita igaragaza ibibazo bishobora gutuma dosiye itemerwa. Nk’iyo umuntu wagusinyiye afite umwenda utarishyurwa neza, sisiteme ihita ibimenya, bityo ugahabwa amakuru hakiri kare.
link yo gusabiraho inguzanyo niyi
Iyi gahunda ifite akamaro kanini cyane ku barimu, kuko izagabanya impushya (permissions) bahabwaga zo kuva ku kazi bagiye gukurikirana inguzanyo. Kenshi byatumaga amasomo asubikwa cyangwa abanyeshuri bakabura abarimu mu gihe runaka.
Impuguke mu bijyanye n’imiyoborere y’uburezi zivuga ko kugabanya izi mpushya bizafasha kuzamura ireme ry’uburezi. Iyo umwarimu adahora asiba ajya gukurikirana serivisi za banki, abasha kwibanda ku kazi ke, bigafasha abanyeshuri kubona amasomo neza kandi ku gihe.
Umwe mu basesenguzi yagize ati: “Gukoresha ikoranabuhanga muri serivisi z’imari z’abarimu ni intambwe nziza cyane. Bizagabanya ibibazo by’imikorere mu mashuri kandi binazamure umusaruro w’abarimu.”
Mu ngengo y’imari y’umwaka ushize, Umwalimu SACCO yagaragaje ko yungutse miliyari 23 na miliyoni 500 z’amafaranga y’u Rwanda, harimo n’imisoro. Iyi mibare igaragaza ko iyi koperative ihagaze neza mu bijyanye n’imari, kandi ifite ubushobozi bwo gukomeza gushora mu mishinga iteza imbere abanyamuryango bayo.
Abasesenguzi mu by’imari bavuga ko gushora mu ikoranabuhanga ari imwe mu nzira zizewe zo kongera inyungu no kunoza serivisi. Iyo serivisi zitangwa vuba kandi neza, bituma abanyamuryango barushaho kuyizera no kuyigana, bityo inyungu zikiyongera.
Nk’uko ubuyobozi bwa Umwalimu SACCO bubivuga, iyi sisiteme yari yarateguwe mbere ariko ntiyahise ikoreshwa kuko itari yemejwe n’inama rusange. Ibi bigaragaza uburyo imiyoborere ya koperative ishingiye ku bwumvikane n’ibyemezo by’abanyamuryango.
Nyuma yo kuyisuzuma no kuyiganiraho bihagije, abanyamuryango bemeje ko igihe kigeze ngo itangire gukoreshwa. Ubu yamaze gushyirwa mu bikorwa, kandi irimo gutanga umusaruro ugaragara mu korohereza serivisi.
Kanda hano uduhe subscribe kugira ngo ujye ubona inkuru ziriho amashusho kuri YouTube.
Abanyamuryango benshi bagaragaje ko bishimiye iyi gahunda nshya. Bavuga ko ibibazo byinshi bahuraga na byo byakemutse, cyane cyane ibijyanye no gutakaza umwanya n’amafaranga.
Umwe mu barimu yagize ati Ukorera mumurenga wa rusarabuye: “Ubu nta mpamvu yo gusiba akazi ngo njye ku murongo muri koperative Umwalimu SACCO. Nsaba inguzanyo nkiri aho ndi, ibintu bikagenda vuba cyane.
Hari n’abandi bagaragaza ko hakenewe gukomeza guhugura abanyamuryango ku ikoreshwa ry’iyi sisiteme, cyane cyane abataramenyereye ikoranabuhanga, kugira ngo bose babashe kuyikoresha neza.
Niba iyi sisiteme izakomeza kunozwa no gushyigikirwa n’abanyamuryango, izagira uruhare runini mu kuzamura imibereho yabo, kunoza akazi kabo no guteza imbere koperative muri rusange.
AMA FORM AKENERWA MU GUSABA INGAZANYO (Loan Application Forms)
Ku muntu wese ushaka gusaba inguzanyo muri Umwalimu SACCO, asabwa kuzuza aya ma FORM akayashira muri sisiteme:
• ICYEMEZO CY’UMWISHINGIZI
Ni urupapuro rwuzuzwa n’umuntu wemeye kukubera umwishingizi (guarantor), wemeza ko azagufasha kwishyura inguzanyo mu gihe wananirwa kuyishyura.
• SALARY ADVANCE APPLICATION FORM
Ni ifishi isabwa igihe ushaka gufata amafaranga y’ingoboka ku mushahara utarabona . Igaragaza ingano y’amafaranga ukeneye n’igihe uzayishyurira.
• EMERGENCY LOAN APPLICATION FORM
Ni urupapuro rwo gusaba inguzanyo yihutirwa, ikoreshwa mu gihe cy’ibibazo bitunguranye nko kurwara cyangwa impanuka.
• FAMILY EXPENSES FOR ORDINARY LOAN
Ni ifishi igaragaza uko amafaranga akoreshwa mu muryango wawe buri kwezi, igafasha koperative kumenya ubushobozi bwawe bwo kwishyura inguzanyo.
• MEMBER IDENTIFICATION
Ni urupapuro rugaragaza imyirondoro yawe nk’umunyamuryango, harimo amazina, nimero ya konti n’ibindi bikuranga.
• ORDINARY LOAN APPLICATION FORM
Ni ifishi nyamukuru yo gusaba inguzanyo isanzwe, aho ushyiramo amakuru ajyanye n’inguzanyo wifuza, ingano yayo n’uko uzayishyura.
• SALARY CERTIFICATE AND EMPLOYER ENGAGEMENT
Ni icyemezo gitangwa n’umukoresha wawe cyerekana umushahara wawe, kandi kikemeza ko azajya agufasha gukata amafaranga yo kwishyura inguzanyo ku mushahara wawe.
Inguzanyo Zitangwa na Umwalimu SACCO (Loan Products)
1. OVERDRAFT
Ni inguzanyo itangwa ku munyamuryango ufite konti, ikamwemerera kubikuza amafaranga arenze ayo afite kuri konti ye mu gihe gito. Ifasha cyane mu gihe cy’ibyihutirwa mbere y’uko umushahara winjira.
2. EMERGENCY LOAN (Inguzanyo y’Ubwihutirwe)
Iyi ni inguzanyo ihabwa umunyamuryango uhuye n’ikibazo gitunguranye nko kurwara, impanuka cyangwa ibindi byihutirwa. Itangwa vuba cyane kugira ngo ifashe mu bihe bikomeye.
3. SALARY ADVANCE LOAN (Inguzanyo y’Ingoboka ku Mushahara)
Ni amafaranga umunyamuryango ahabwa mbere y’uko umushahara we awuhembwa. Ifasha gukemura ibibazo byihutirwa hagati mu kwezi.
4. SCHOOL FEES LOAN (Inguzanyo y’Amashuri)
Iyi igenewe gufasha abanyamuryango kwishyura amafaranga y’ishuri y’abana babo cyangwa ayabo bwite. Ifasha kwirinda ko abana bata ishuri kubera kubura amafaranga.
5. MEDICAL LOAN (Inguzanyo y’Ubuvuzi)
Ni inguzanyo ifasha mu kwivuza cyangwa kwishyurira ubuvuzi bw’umuryango. Itangwa mu gihe hari ibibazo by’ubuzima bisaba amafaranga menshi.
6. ONE LAPTOP PER TEACHER LOAN
Iyi nguzanyo igenewe abarimu kugira ngo babashe kubona mudasobwa (laptop). Ifasha mu guteza imbere imyigishirize no gukoresha ikoranabuhanga mu burezi.
7. HOME FURNITURE LOAN (Inguzanyo yo Kugura Ibikoresho byo mu Nzu)
Ifasha umunyamuryango kugura ibikoresho byo mu rugo nk’intebe, ameza, ibitanda n’ibindi, kugira ngo imibereho ibe myiza.
8. BUSINESS LOAN (Inguzanyo y’Ubucuruzi)
Iyi igenewe abafite cyangwa bashaka gutangiza ubucuruzi. Ifasha kongera igishoro no guteza imbere ibikorwa byinjiza amafaranga.
9. VEHICLE AND ASSET LOAN (Inguzanyo yo Kugura Imodoka n’Ibindi Bintu)
Ifasha kugura imodoka cyangwa ibindi bikoresho bifite agaciro kanini (assets), bishobora gufasha mu kazi cyangwa mu mibereho ya buri munsi.
10. AGRICULTURE AND LIVESTOCK LOAN (Inguzanyo y’Ubuhinzi n’Ubworozi)
Iyi igenewe abashaka gushora imari mu buhinzi cyangwa ubworozi, nko kugura imbuto, ifumbire, amatungo n’ibindi bikenerwa mu kongera umusaruro.
11. MORTGAGE LOANS (Inguzanyo zo Kubaka cyangwa Kugura Inzu)
Ni inguzanyo z’igihe kirekire zigenewe gufasha umunyamuryango kubaka, kugura cyangwa kuvugurura inzu. Ni imwe mu nguzanyo zifite agaciro kanini kandi zishyurwa mu gihe kirekire.
