Rusizi: Abacuruzi bambukiranya imipaka babangamiwe na Serivisi bahabwa kuruhande rwa Congo

Rusizi: Abacuruzi bambukiranya imipaka babangamiwe na Serivisi bahabwa kuruhande rwa Congo

Hashize amezi arenga abiri abakora ubucuruzi bwambukiranya imipaka n’abandi banyarwanda barimo n’abanyeshuri bigira muri Congo badahabwa serivisi nziza ibyo bigatuma akazi kabo gapfa.

Daniel Sindayiheba ni umwe mubacuruzi bakunze kujya gushaka ibicuruzwa mu mujyi wa Bukavu kimwe na bagenzibe ngo basigaye babyuka saa kumi z’ijoro kugirango barebe ko bakira umurongo w’abantu baba birunze muri congo babuze uko batambuka kubera gutinzwa.

Iyo ugeze ku mupaka uhuza URwanda na Congo kuruhande rwa Congo uhita ubona umurongo muremure ugaragaza ko serivisi zitihutishwa nkuko bigaragarira amaso  , kubera iyo serivisi abanyarwanda bamwe basigaye barambirwa bakigarukira mu Rwanda kubera ko hari abagenda butaracya umunsi ukaba wa kwira batarahabwa serivisi bityo bakaba bifuza ko ubuyobozi bwabafasha kubakemurira ibibazo.

Ku ruhande rw’Abanyeshuri bigira muri Congo batifuje gutangaza amazina yabo bo bavuga ko batakiga kuko ngo iyo bageze kumupaka wa Congo birirwa bicaye aho nugize amahirwe akambuka ngo asanga umwarimu ageze amasomo kure ndetse iyo ngo bari bukore ikizamini basanga bagenzi babo barangije ibyo bigatuma bahura n’ikibazo cyo gutsindwa kandi bitari ngombwa

Rusizi: Abacuruzi bambukiranya imipaka babangamiwe na Serivisi bahabwa kuruhande rwa Congo

Iyo ubajije aba bose binubira iyo mikorere ya Congo impamvu babona congo itanoza imikorere bavuga ko batayizi gusa ngo ibyo bibonera n’amaso yabo ni uko abatanga serivisi baba biyicariye aho gukora akazi bagakomeza kwiganirira hagati yabo bisekera kandi abantu bari babahagaze imbere

Kuruhande rw’abayobozi bashinzwe abinjira n’abasohoka mu Rwanda umuvugizi w’uru rwego Ange avuga ko ibibazo nkibyo bajya bagerageza kubiganiraho n’uruhande rwa Congo ariko hakibazwa impamvu bitarangira Gusa ubwo komiseri Mukuru w’ikigo cy’igihugu cy’imisoro n’amahoro Richard TUSHABE yageraga mu karere ka Rusizi kuwa 13/02/2015, kureba ibibazo abacuruzi bahura nabyo cyane cyane abakora ubucuruzi bwambukiranya imipaka yijeje abacuruzi  bo mu karere ka Rusizi ko ibi bibazo bizakemuka biciye mu biganiro bazagirana n’abashinzwe ubucuruzi muri DRC.

Government calls for more cooperatives

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With the government’s plan of encouraging access to financial services, more so in the rural communities, Co-operatives have proved the perfect linkage to these previously desperately sought after services.

Since the turn of the millennium more than 5,000 co-operatives have been formed across the country as the government seeks to ensure all Rwandans are able to acquire financial services thus achieving its vision 2020 target.

In fact the success of these savings and credit cooperatives (SACCOS) can be underlined in the fact that some of these associations have now been formally classified as banks, a fact that states their vibrant growth.

Umurenge SACCOs is a Government initiative aimed at increasing the accessibility of financial services to Rwandan citizens. The concept of Umurenge Savings and Credit Cooperatives was based on an understanding that banks and other financial institutions were more concentrated in urban areas whilst the majority of the Rwandan populations live in rural areas.

Banks and other financial institutions were also not able to provide financial services that were ideal to serve the poor. Establishing a SACCO in every Umurenge was aimed at bridging this gap.

The objective was to encourage local citizens to use financial institutions to enable them to save and access loans and ultimately providing them with the opportunity to build financial security that would better enable them to manage financial shocks and to invest in business opportunities. This would, in turn, allow them to move out of chronic poverty and improve their livelihoods.

Francois Kanimba, the Minister of Trade and Industry said that majority of the people are now using financial   institutions following the introduction of Umurenge SACCO.

“Cooperatives are considered as one of the best tools to speed up achievements in various national programs towards our Vision 2020,” the Minister said, adding that; ““Since 2005, our Government is committed to deeply restructure the Sector of cooperative development.” The minister noted while speaking to this reporter.

In a bid to ensure that these cooperatives work at a set government standard; the national Bank of Rwanda (BNR) is responsible for regulating them and providing licenses to these SACCOS.

“You do not want a situation where people are cheated by a cooperative,” John Rwangobwa the governor of BNR noted while giving reason to why the bank regulates them.

Such has been the great impact of these cooperatives that more than 3.2 million (72 percent) adults have registered with these associations.

Some of these cooperatives such as Inkudamahoro cooperative and Adarwa cooperative have expanded into large scale multi complex business owners.

But all is not rosy for the cooperatives as Nyamirambo’s women center co-operative, a cooperative made of women dealing in handcrafts can testify, “it has not been easy getting financial support for our kind of business,” Rose Uweera a member of the cooperative testifies.

But despite such hiccups the number of people being uplifted almost two million people out of poverty since their inception and one would deem the project a success for now.

Ruhango: kwimurirwa mu isoko birahombya abacuruzi ngo bikabangamira abakiriya

Ruhango: kwimurirwa mu isoko birahombya abacuruzi ngo bikabangamira abakiriya 

Nyuma y’ukwezi kumwe abacururzi bacururizaga mu gasantire ka Gitwe mu murenge wa Bweramana mu karere ka Ruhango bimuriwe mu isoko rishya, ngo bahuye n’ibihombo ku buryo bamwe bahise bahagarika ubucuruzi.

Aba bacuruzi bavuga ko bishimira igikorwa ubuyobozi bwakoze bwo kububakira isoko ryiza bakava mu kajagari bakoreragamo, ariko nanone ngo aho iri soko ryubatswe ni kure y’umujyi ndetse nag are, ku buryo birimo kubateza ibihombo bikabije cyane.

mukantaganda Domina, acururiza muri iri soko, avuga ko bagikorera mu gasantire nibura ku munsi yatahanaga amafaranga ibihumbi 15, ariko aho bimuriwe mu isoko rishya ngo ntashobora gucuruza amafaranga ibihumbi 2, ku buryo amafaranga yashoye amaze guhomba.

Abandi babangamiwe n’uku gukorera mu isoko rishya n’abaguzi, bavuga ko isoko baryubatse ahantu kure y’ingo, bityo bikabagora kujya ku hahahira.

Nyirantwari Judith twavuganye ubwo yari aje guhahira muri isoko, yagize ati “urabona hano mu isoko tuhasanga imboga gusa, hanyuma twavaha tugakora urundi rugendo rwo kujya hirya iriya kugura nk’umuceri n’ibindi, bikaba bituvuna cyane rwose”.

Ruhango: kwimurirwa mu isoko birahombya abacuruzi ngo bikabangamira abakiriya

Aba bacuruzi bo bakagaragaza ibyifuzo by’uko, ubuyobozi bwabafasha, bukabazanira gare hafi y’isoko, bukabashyirira amatara mu isoko kuko iyo bwije abantu batinya kuhagera, kububakira amasikariye kuko iri soko ry’ubatse mu gikombe, ndetse no gukura ibicuruzwa bimwe nk’imboga mu maduka bikazanwa mu isoko.

Ubuyobozi bw’akarere ka Ruhango bwo bukavuga ko ikibanze aba bacuruzi bakwiye kubanza gukora, ari ugutanga serivise nziza ibindi ngo bizaza.

Umuyobozi w’akarere ka Ruhango wungirije ushinzwe imari n’iterambere, Twagirimana Epimaque, agira ati” icya mbere tubasaba, babanze bamenye gutanga serivise nziza, bongere ibicuruzwa mu isoko, ubundi abantu bazizana”.

Uyu muyobozi akavuga ko ubucuruzi bw’akajagari butakigezweho, akaba ariyo mpamvu bubaka amasoko hirya no hino, ariko ngo kuba iri soko riri hirya y’umujyi, byatewe n’uko ariho habonetse ikibanza kigari. Akizeza aba bacuruzi ko ikigiye gukorwa ari ukongera imihanda igana kuri iri  soko.

Nyamagabe: gucuruza ikigage byakijije bamwe

Uretse kuba ikigage ari ifunguro rya bamwe mu baturage ba Nyamagabe kuko ribatunze, abakora ubucuruzi bwacyo byabateje imbere babasha kwigurira mutuweli, kwishyurira abana amashuri ndetse n’abiga muri za kaminuza.

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Uhereye mu mujyi wa Nyamagabe, ukambuka ukajya no muyindi mirenge igize aka karere usanga mu dusentere tw’ubucuruzi 2/4 by’ibyumba by’ubucuruzi bipimirwamo ikigage, kiba kitabiriwe n’umubare uteri muke w’abaturage.

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Kigalitoday yaganiriye na bamwe mu baturage banywa ikigage bo mu isentere y’ubucuruzi ya Musebeya, batangazako ikigage ari byo biryo byabo kuko iyo bakinyweye bajya mu mirima bagahinga bagacyura umubyizi.

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Uwitwa Eduwaridi Habiyaremye avuga ko ikigage aricyo kimutera imbaraga zo gukora akiriza umunsi ameze neza bitandukanye n’urwagwa.

Yagize ati: “impamvu nkunda ikigage nk’ubu nkora akazi k’ubukarani, iyo ntanyweye ikigage ntago mbona imbaraga zo gukora ariko iyo nakinyweye ndakora ni nk’ibiryo.”

Uretse n’abakinywa gusa abagicuruza byabagize abakungu kuko babasha kwishyura amashuri y’abana biga kaminuza.

Uwitwa Beyata Uwimana upima ikigage aragira ati: “abantu bino ntibamenyereye ibintu by’ibyayi ariko ikigage buri wese n’umwana n’umuturage agiye guhinga asamura ikigage kandi ugasanga bigeza sa sita agikomeye.”

Akomeza avuga ko kuri we kubera ukuntu ikigage gikundwa atareka kugicuruza kuko kimubeshejeho we n’abana be batandatu kandi yanabashije kubakamo inzu agura n’ikibanza

Aragira ati: “ntago nagasubiza inyuma kuko karantunze kantungiye abana 6 mfite, hari numwe nashoboye kurihira ayisumbuye ubu ari muri kaminuza agiye kurangiza.

Patricie Mukandekezi umucuruzi ukomeye w’ikigage mu karere ka Nyamagabe, yemereye guverineri w’intara y’amajyepho, ubwo yatangaga ubuhamya ku munsi w’abagore agaragaza uko cyamutejimbere, ko ateganya gushinga uruganda rutunganya ikigage cy’umwimerere.

Amasaka yengeshwa ibi bigage akaba aturuka mu bihugu nka Tanzaniya n’ubugande ndetse n’amanyarwanda ariko usanga atera muri aka karere ka Nyamagabe, ikiro kikaba kigurwa amafaranga agera kuri 370.

Rutsiro: Abacuruzi batangaza ko gufungirwa hato na Hato bibateza igihombo.

Abacuruzi batangaza ko gufungirwa hato na Hato bibateza igihombo

Tariki ya 12 werurwe 2015, ubwo habaga inama yahuje impuguke muri PSF (Private Sector Federation) n’ihuriro ry’abikorera mu karere ka Rutsiro abo bacuruzi batangaje ko gufungirwa amaduka hato na hato bibagusha mu gihombo kandi basabwa gutanga imisoro.

abacuruzi basanga Inzego za Leta zakwiga uburyo batakomeza kujya bafungirwa kandi bagomba kuyiha imisoro kuko iyo misoro ngo ari amafaranga baba bakuye mu bucuruzi bwabo.

Abacuruzi batangaza ko gufungirwa hato na Hato bibateza igihombo. 2

Karangwa Pierre umwe mu bacuruzi muri Congo Nil yagize ati” twebwe abacuruzi dukunze kubangamirwa n’uburyo rimwe na Rimwe badufungira kubera gahunda zimwe na Zimwe, kandi dukenewe ho imisoro tukaba dusaba ko bajya bagerageza bakatwihanganira tuzi ko twese ikituraje ishinga ari ukubaka igihugu”

Nsanzimfura Jean Damascène Umuyobozi w’Akarere Wungirije Ushinzwe Ubukungu yavuze ko icyaburaga ari ibiganiro aho wasangaga bamwe bavuga ko ari bo babangamiwe ariko ko Leta ifunga amaduka n’ama butike ku mpamvu runaka avuga ko bagiye kubivugana bakazabifatira umwanzuro.

Yagize ati “icyaburaga ni ibiganiro hagati y’impande zombi ariko nyuma y’uko duhuye aho kugira ngo buri ruhande ruvuge ko rubangamiwe tuzicara tufatane umwanzuro”

Mubirigi Jean Baptiste impuguke muri PSF (Private Sector Fédération) yagiriye inama impande zombi aho yaba Inzego za Leta n’abikorera bagomba kwicara bakaganira aho kubikora ku buryo bwihuse.

Abikorera muri Rutsiro bagarutse cyane kukuba Ubuyobozi nk’iyo habaye umupira babafungisha kandi batabona impamvu umupira watuma bafunga ikindi kandi ni uko ngo n’iyo batumiwe mu nama y’abaturage batayitangariza igihe.

Muri iyo nama hafashwe umwanzuro ko abacuruzi bazajya bafungirwa ari uko ari inama ireba abaturaege bose kandi igatangirira igihe ntinarenze amasaha 2 cyangwa se  umucuruzi ufite TN Number yajya asigaho umukozi kandi yanamenyeshejwe iyo nama hakiri kare.

Youths receive startup kits to boost access to capital

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The government moves to provide startup kits to youths in a bid to   increase access to capital, enabling youths to create own businesses; an initiative that will close the   lack of funds to kick start youth led businesses.

Although the country’s SMEs population constitutes around 80 percent of the private sector businesses, few are owned and started by youths.

Ibambasi Jean Claude, the In charge of good governancecivic information education and culture inMinistryof youth and ICT says that youths that  are trained in   business skills  will be facilitated to  access start  up  kits.

“We started with the cooperative of 12 youths that were trained in tailoring,” Ibambasi said

The youths are being trained   by Digital Opportunity-DOT Rwanda in collaboration with Youth, employment and productive center, a youth one stop center by Ministry of youth and ICT.

“We are equipping these youth with   business skills that will put into reality their ideas or   scale up the existing businesses,” said Emmanuel Nzeyimana, country program Manager for DOT Rwanda.

Accordingly, the cooperative   received a startup kit in form of rent for two years which is nonrefundable to help them set up business; a solution experts believe will solve the challenge of lack of capital among the youth.

Ibambasi says that another group of 40 youths that are soon completing their training will receive   sewing machines, to help them

Lack of access to capital by youths, according to Ibambasi has been a major challenge hindering the government’s efforts to increase   startups by youths as well as job creation.

To  close the  unemployment  gap, the government under its  long term development strategy  aims at  creating  over  200,000 off farm  jobs every  year  by 2020 with  one of the  approaches being  giving youth employable skills to the youth to start  their own businesses.

Youth lack knowledge on market trends

Youth lack knowledge on market trends 

Experts say that low participation   by youth in starting up development projects that would boost   income generation is due to lack of knowledge on what services and products are demanded on the market.

This, according to Emmanuel Nzeyimana, country   program Manager; DOT Rwanda results into youth failing to bring up convincing and profitable businesses that financial institutions can finance for their growth.

“The challenge is not  of  financial  institutions  which do not  provide loans to the  youth, the youth  themselves don’t  know what is on the market so that they  can  design  profitable businesses,”  he said

This comes at the time when youth that are trained in entrepreneurship complain   of lack of credit to put into action their dream business while others who have already established business close due to losses.

“So what we do at DOT Rwanda is to train thee youth intermsof startup and   financial  literacyand provide skills  to run businesses to  minimize  the risks that financial institutions always  complain about,”  Nzeyimana  noted

Digital Opportunity-DOT Rwanda  is a leading  international social   enterprise  headquartered in Canada with  current  operations  in  Seven  countries around the  World including  Rwanda.

Nzeyimana  says  that  startup  knowledge  based trainings as well  as financial literacywould  help  change  revert the current situation, something  that will translate into increased  employment for the  youth.

The government underits long term development strategy plansto create over 200,000   off farm jobs every year till 2020   especially for the youth to offsetthe unemployment gap.

Through its programStartup, DOT Rwanda equips youth with ability   to develop an effective business mode that will reduce the risk of having their own startups fail.

Recently, under the  Startup program, DOT Rwanda  awarded  certificates  to  116 youth  who successfully  completed  the program and are able to  start and manage  their own  businesses.

“Individuals who attended this 10 week comprehensive course are those who wanted to expand their businesses or recover as they were at-risk or failed business,” Nzeyimana noted

He adds, “All these have been equipped with business skills helping them to put into reality their business ideas or scale up the existing businesses.”

Participants  say  that   they  have acquired  solid   idea  on   how they can  run their businesses and also access credit from financial institutions  to  expand their  businesses.

“Now I have knowledge on what can sell on the market but also know how to present my business proposal to banks to provide me with   loan to expand my business,” Godance-Dukundimana, who trained in tailing, said

Startup is DOT entrepreneurship program that helps participants develop an effective business model that will reduce the risk of having their startup businesses fail.DOT is expecting to train over 7,500 disadvantaged   Rwandan youth into employment, self-employment or further education.

Nyamagabe: Kutagira ubumenyi buhagije ku misoro nicyo gituma bamwe batayishyura

Nyamagabe: Kutagira ubumenyi buhagije ku misoro nicyo gituma bamwe batayishyura

Kutagira ubumenyi buhagije ku misoro nicyo gituma bamwe mu baturage bakora umwuga w’ubucuruzi, batishyura imisoro rimwe bakanishyura aho batari bakwiye kwishyura kubera kudakora ibaruramari bagacururiza mu kirere gusa.

Kuri uyu wa 10 Werurwe 2015, abaturage bakora umwuga w’ubucuruzi butandukanye mu mujyi wa Nyamagabe, umurenge wa Gasaka bahuguwe kubijyanye n’amoko y’imisoro kuyitandukanya n’amahoro ndetse banakangurirwa kujya batangira imisoro igihe.

Abacuruzi badutangarije ko impamvu badatanga imisoro cyangwa hakabaho ubukererwe ari uko baba batayisobanukiwe.

Nyamagabe: Kutagira ubumenyi buhagije ku misoro nicyo gituma bamwe batayishyura

Uwitwa Claudine Uwizeye aravugako nk’abaturage bacuruza batinangira gutanga imisoro ko impamvu aruko imwe baba batanayizi ahubwo ko baba bakeneye amahugurwa ahagije.

Yagize ati: “ntabwo arukwinangira, ahubwo ni ubufatanye na leta, hakaba ho nk’ikintu cy’amahugurwa menshi cyangwa ubusobanuro bwinshi naho ubundi ntago habaho abaturage binangira gutanga imisoro.”

Josephine Nyiramyasiro nawe wari witabiriye aya mahugurwa aravugako barushije gucengerwa n’imisoro n’akamaro kayo kuko hari byinshi batari basobanukiwe neza.

Yagize ati: “narushijeho gucengerwa n’imisoro n’amoko yayo, umuntu agatanga imisoro azi icyo ayitangiye, azi n’ubwoko bwayo kandi imisoro idufasha muri byinshi ko igihugu ariyo ikoresha mu mishinga myinshi iteza abantu imbere.”

Gucengerwa n’akamaro k’imisoro ndetse no kugira umuhate mu gusora bizorohereza akarere kandi binagire uruhare mu iterambere ryako.

Madam Immacule Mukarwego Umuhoza, umuyobozi w’akarere wungirije ushinzwe ubukungu n’iterambere yadutangarijeko amahugurwa nk’aya afasha abaturage kurushaho gusobanukirwa ibyo bakora.

Yagize ati: “iyo usubiye inyuma ukareba abenshi imisorere yabo usanga batazi n’impamvu basora, bakaba babikora kubera gutinya cyangwa bagakwepa, iyo rero bahuye gutya bakamenya impamvu bakwiye gusora, bizamura imyumvire yabo, natwe bikatworohera”

Abacuruzi bakaba bagiriwe inama yo kujya bakora ibaruramibare kugira ngo basore banungutse kuko hari abo usanga basoze ntanicyo binjije.

BDF targets more jobs for youths

BDF targets more jobs for youths

At least 23,700 off-farm jobs will be created for youths in Rwanda this year as part of the National Employment Programme (Nep) says the Business Development Fund (BDF).

Innocent Bulindi, the Chief executive of BDF says that at least Rwf5.6 billion as capitalisation grant to provide credit guarantees for over 1,000 projects this year.

The move comes at a time when Rwanda has set its focus on giving hands-on skills for small enterprises to entice banks to release funding for bankable projects that will see the country increase its production in locally made products.

In partnership with India, Rwanda has launched the first business incubation center in the country, a new programme to enable nurturing of business projects to enable young entrepreneurs to make sense of their businesses by helping young business owners to come up with better business plans and solicit funding from banks.

Through the Workforce Development Authority (WDA) Rwanda has developed a new model of business incubation centers where small business owners will be oriented in business planning, loan acquisition and implementation of the business from day one.

Rwanda targets about 200.000 off farm jobs annually in its national employment programmme. So far 365 Technical training schools (TVET) have been established in the country in the last four years.

The bid to create more jobs has seen some government programmes intended for job creation among youth, like Hanga Umurimo performing slowly due to some of the submitted projects being unbankable and some applicants defaulting bank loans.

Gisagara: Bagaragarijwe ko nta mafaranga yabo anyerezwa

Gisagara: Bagaragarijwe ko nta mafaranga yabo anyerezwa

Nyuma y’uko bamwe mu banyamuryango ba koperative KOPIKI yo mu murenge wa Kigembe mu karere ka Gisagara bagaragarije impungenge z’uko amafaranga yabo yaba aribwa na bamwe, habayeho kubamurikira imikoresherezwe y’amafaranga banamarwa impungenge.

Ikibazo cyo kuba amafaranga yinjizwa n’imodoka yo mu bwoko bwa BEN y’iyi koperative yaba yigira mu mifuka y’abayobozi ba koperative cyagaragajwe ubwo itsinda rya bamwe mu bagize inteko ishinga amategeko basuraga umurenge wa Kigembe ku matariki ya 28 na 29 z’ ukwezi kwa mbere, 2015.

Mukantwari Sitefaniya, umwe mu banyamuryango ba KOPIKI avuga ko akurikije uko basobanuriwe uko imodoka icunzwe asanga nta mafaranga yanyerejwe, Ndetse ngo mu rwego rwo gukumira ko byazabaho, bashyizeho umukozi ushinzwe gucunga umutungo.

Ati “Nkurikije ibisobanuro twahawe jye nabonye nta mutungo wa nyerejwe, nta kibazo kirimo”

Umunyamabanga nshingwabikorwa w’umurenge wa Kigembe, Augustin Bigirimana,avuga ko uwagaragaje iki kibazo ari uko yari yabonye abanyamuryango bahawe ihene we ntayihabwe.

Nk’uko bigaragazwa n’abanyamuryango ba Kopiki ariko, izi hene zakomotse ku bindi bikorwa by’ubuhinzi iyi koperative ikora uwagaragaje ikibazo atagiramo uruhare. Ngo izi hene rero ntizakomotse ku modoka kuko imodoka icyishyura ideni rya banki ikaba itaratangira guha abanyamuryango inyungu.

Bigirimana ariko anavuga ko mu rwego rwo gukumira ko habaho gucunga nabi umutungo no gukuraho urw’ikekwe bafashe ingamba zirimo gutandukanya konti zijyaho amafaranga ya koperative.

Ati “Ubu hari ijyaho amafaranga yinjizwa n’imodoka hakanabaho iyava mu buhinzi kandi yose hagaragazwa uburyo busobanutse agenda akoreshwa”

Perezida wa koperative Rwandema Celestin, avuga ko nyuma y’igenzura abanyamuryango banyuzwe ndetse n’abari batanze ikirego bagasaba imbabazi bamaze kubona ko nta buriganya bwabayeho.

Iyi modoka yaguzwe mu mwaka wa 2012. Abanyamuryango bagera ku 1039, batanze amafaranga angana na miriyoni 19 n’ibihumbi 500,ahwanye n’umugabane w’ibihumbi 15000 kuri buri muntu, bakaba barayavanaga ku bikorwa bya VUP.

Kugira ngo imodoka igurwe hiyongereyeho n’ideni rya banki ringana na miliyoni 14 ari nayo akishyurwa.

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