Rulindo: Njyanama y’Akarere yemeje ingengo ya Miliyari 16,6

Inama Njyanama yemeje ingengo y’imari ya Miliyari 16, miliyoni 573, ibihumbi 989 n’amafaranga 42(16,573,989,042Frw) izakoreshwa n’Akarere muri 2016/2017.

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Perezida w’inama Njyanama Engineer Gatabazi Pascal niwe wayiyoboye asaba ko imihigo mike ikiri hasi yakwihutishwa

Inama Njyanama isanzwe y’Akarere ka Rulindo yateraniye mu cyumba cy’inama cy’Akarere iyobowe na Perezida wayo Engineer Gatabazi Pascal, Senateri Musabeyezu Narcisse na we akaba yaritabiriye iyi nama yateranye ku wa 26/06/2016.

Ingengo y’imari ikaba yariyongereye kuko umwaka ushize wa 2015/2016 yari Miliyari 14, miliyoni 263, ibihumbi 82 n’amafaranga 718 (14,263,082,718 Frw). Iyo ngengo y’imari ikaba izaturuka mu misoro y’Akarere, muri Minisiteri y’imari n’igenamigambi, mu baterankunga n’ibigo bishamikiye kuri Leta.

Umwaka wa 2015/2016 ukaba urangiye iyo ngengo y’imari y’amafaranga 14,263,082,718 Frw, ishyizwe mu bikorwa ku kigereranyo cya 98.52%. Icyuho cya 1.42% cyagaragaye kikaba cyaratewe n’imisoro Akarere katabashije kwinjiza.

Nyuma yo gusuzuma uko ingengo y’imari y’umwaka ushize yakoreshejwe, Inama Njyanama yasuzumye uko ingengo y’imari y’umwaka wa 2016/2017 izakoreshwa, kwemeza tariff y’imisoro n’amahoro, kwemeza amasoko azatangwa, no kwemeza gahunda y’ibikorwa by’Inama Njyanama n’ibya komite ngenzuzi.A

Inama Njyanama kandi yagejejweho imihigo 62 y’Akarere y’umwaka utaha wa 2016/2017 maze basaba ko yanozwa kugira ngo Akarere kazashobore kuyesa.

Iyi nama Njyanama yasuzumye ishyirwa mu bikorwa ry’ingengo y’imari  y’umwaka wa 2015/2016, uko amasoko yatanzwe, banagezwaho kandi aho imihigo igeze ishyirwa mu bikorwa.

Abajyanama bashimye ko imihigo myinshi yagenze neza, kuko harimo n’imihigo yarengeje igipimo cyari giteganyijwe, harimo umuhigo w’ubuhinzi muri rusange, umushinga wo kubaka Damu ya Muyanza yo kuhira imyaka kuko bageze kuri 17% kandi barahize 15% n’ibindi.

Basabye ko hakongerwamo ingufu nyinshi mu mihigo mike ikiri hasi kuko hasigaye iminsi mike ngo bese imihigo. Gusa hakaba haragaragaye imbogamizi z’umuhigo umwe uri munsi ya 50% wo kubaka ishuri ryigisha ubucukuzi bw’amabuye y’agaciro mu Murenge wa Masoro.

Inama Njyanama yashojwe hemezwa abagenzuzi b’Imari n’umutungo by’Akarere bamaze amezi atandatu mu igeragezwa,aho basabwe gukorana umurava inshingano bahawe bityo Akarere kagakomeza gutera imbere.

Rubavu batoye ingingo y’Imari ya miliyari 15

Miliyari 15 na miliyoni 908 n’ibihumbi 77 n’amafaranga 326 ni yo yemejwe n’inama njyanama y’akarere ka Rubavu kuwa 27 Kamena 2016.

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Abajyanama ba Rubavu bagezwaho ingengo y’imari 2016-2017

Nsabimana Sylvain Umunyamabanga Nshingwabikorwa w’Akarere ka Rubavu ni we wagaragarije ingengo y’imari ya 2016-2017, agaragaza ko amafaranga yiyongereye kugera kuri miliyari 15 na miliyoni 908 kandi miliyari 7 na miliyoni 64 zizakoreshwa mu iterambere.

Amafaranga azinjizwa n’akarere ni miliyari imwe na miliyoni 839 mu gihe umwaka wa 2015-2016 yari miliyari imwe na miliyoni 722 amafaranga yabaye make mu gihe hari hateganyijwe miliyari ebyiri na miliyoni 200.

Mu gihe cy’amasaha atatu abagize inama Njyanama basuzuma uko amafaranga azakoreshwa byagaragaye ko hari ibikorwa byagenewe amafaranga macye ibindi ntibyashyirwemo imbaraga.

Uretse amafaranga azatangwa n’ikigega cya leta mu bikorwa by’iterambere, imibereho myiza  n’imishahara y’abakozi, amafaranga y’akarere yashyizwe mu byiciro 91 bigize ubuzima bw’akarere nyamara ibice by’ubuzima, ubuhinzi bw’ubworozi byagenewe amafaranga macye.

Umujyanama Ntakirutimana Uzziel yagaragaje ko abaturage b’Akarere ka Rubavu bugarijwe n’indwara ya Maralia iterwa n’imibu iri mu birombe bicukurwamo amatafari ndetse iyo maralia imaze guhitana abaturage 13 mu murenge wa Rubavu;

Ati“Ntitubona amafaranga yo kurwanya Malariya yugarije abaturage no gufasha ibigo nderabuzima kubona ibikoresho”.

Cyakora hari ibice byongereyewemo amafaranga nko kugura imodoka y’akarere, kwishyurira ubwisungane abayobozi b’imidugudu, gushishikariza abaturage gutanga ubwisungane, kubaka amasomero, kugura intebe mu mashuri, gushyiraho ahashyirwa imyanda, no kuzuza inzibutso za Jenoside nka Nyundo, Komini Rouge no gusana urwibutso rwa Rugerero.

Umunyamabanga nshingwabikorwa w’Akarere ka Rubavu akaba yagaragarije abagize inama njyanama ko hari ibice byashyizwemo amafaranga make kubera ubushobozi buke.

Mu mwaka wa 2015-2016 Akarere ka Rubavu kari kateguye ingengo y’imari ingana na miliyari 14 na miliyoni 251 n ibihumbi 861 n’amafaranga 670 ariko akarere kashoboye gukoresha miliyari 11 na miliyoni 978 n’ibihumbi 789 n’amafaranga 738 bingana na 84% bitewe n’uko hari amafaranga yatinze kuboneka.

Rutsiro: Amafaranga baguriza abaturage muri VUP ntatangirwa igihe

Ubuyobozi bw’Akarere ka Rutsiro buratangaza ko butishimira ko amafaranga ya VUP yagenewe kugurizwa abaturage ngo biteze imbere adatangwa nk’uko bikwiye.

Rutsiro: Amafaranga baguriza abaturage muri VUP ntatangirwa igihe

Abayobozi b’imirenge na za Sacco bitabiriye inama basabwa ko bitarenze tariki ya 15 Mata amafaranga yose azaba yaratanzwe

Byatangajwe ku wa 29 Werurwe 2916 mu nama yahuje Umuyobozi w’ishami w’ubutegetsi n’imicungire y’abakozi mu karere, abahagarariye za SACCO ari na zo zagiranye amasezerano n’Akarere kugira ngo ayo mafaranga acishwemo ndetse n’abayobozi b’imirenge, ubuyobozi bw’Akarere bukaba bwavuze ko kuba hakiri amafaranga akiri kuri konti adatanzwe ari ikibazo.

Niyonzima Tharcisse Umuyobozi w’ishami ry’ubutegetsi n’imicungire y’abakozi mu Karere ndetse uri no gukora inshingano z’umuyobozi w’Akarere uri mu itorero i Gbiro yavuze ko bitumvikana uburyo ayo mafaranga atahawe abo yagenewe akaba yavuze ko hatabayeho gukurikirana iki kibazo akarere kataba kujuje inshingano zako zokureberera abaturage.

Yagize ati”Birababaje kuba amafaranga yagenewe gufasha abaturage kwizamura akiri kuri za konti ibyo birabangamye kuko nk’Akarere mu gihe dushinzwe kureberera abaturage tudakurkiranye ikibazo nk’iki twaba ntacyo tubamariye”.

Muri iyi nama Abanyamabanga Nshingwabikorwa b’Imirenge nk’abashinzwe kwemeza ndetse no guha uburenganzira abaturage bahabwa iyo nguzanyo bavuze ko za Sacco arizo zidindiza icyo gikorwa ngo kuko bo baba bamaze gutanga urutonde.

Abayobozi ba za Sacco bo bahakana ko batadindiza itangwa ry’ayo mafaranga ahubwo ko ngo bategereza urutonde ruva ku murenge ubundi bagasaba abaturage batse inguzanyo kuzuza ibisabwa nk’uko umuyobozi w’Umurenge Sacco ya Mukura yabivuze.

Ati” Twebwe nka Sacco nta ruhare tugira mu kudindira kw’inguzanyo ya VUP ahubwo twebwe dutegereza ko Imirenge yohereza amalisiti y’abemerewe nabo tukabasaba kkuzuza ibyangombwa hari igihe rero batinda ntibahabwe ya mafaranga bikitirirwa za Sacco”

Sacco 5 ziri mu mirenge ikoreramo VUP zamaze gucishwamo miliyoni zisaga  175hakaba hamaze gutangwamo miliyoni 55 ukongeraho andi miliyoni 90 akiri kuri konti ya VUP nayo agiye gucishwa muri za Sacco zo mu mirenge 3 yagezemo VUP,bakaba biyemeje ko tariki ya 15 Mata 2016 amafaranga yose azaba yarahawe abaturage bayasabye.

 

Business lessons from mega-entrepreneur Chando Lydia Lauryn

Business lessons from mega-entrepreneur Chando Lydia Lauryn

Chando and her cakes.

Ever wondered how the brightest start-ups and small businesses in Rwanda have been able to take their business idea and make it a success? It’s all well and good having a great idea, but how can you bring it to fruition?

According to Chando Lydia Lauryn, managing Director of Yummy cakes while speaking to young entrepreneurs in Kigali on Wednesday said that most people venturing into private enterprise believe that money determines the success of the business as you start, “this is wrong” she cried out.

“What will make you succeed as a business person is not the money but that great idea, it is what the business is all about,” said Chando.

Like other entrepreneurs, Chando have made it –she says that money will further supplement the good idea an entrepreneur has implying that the best entrepreneurship will start with a best business idea.

“My passion was into bakery and I always believed I can make a cake that can add meaning to a celebration,”

“I started making small cakes just for my friends from home and my quality attracted them and I started receiving calls for demand. This is when I know my idea works out,” Chando who started two years ago said.

With new addictives like creamy sugar balls around the cake and designs well molded around the cake depending on the customer’s choice, Yummy cakes now slowly take a big toll on the market.

Experts too believe that the challenge of lack of innovative business ideas that would be generated into   profitable businesses is affecting entrepreneurs, which has seen startups dying during their infant stages.

“Coaching and mentoring is important to help entrepreneurs…….,” said Maia Gedde, country Director of Spark Rwanda, a not for profit organization igniting entrepreneurship.

Nevertheless, the government through the Business Development Fund-BDF has set up guarantee funds of up to 75 percent to help financial institutions to lend startups with no collateral, another step to increase access to credit in the country.

Karongi: Babangamiwe n’ibiciro bikomeje kuzamuka ku isoko

Karongi: Babangamiwe n’ibiciro bikomeje kuzamuka ku isoko

Abatuye Imirenge ya Rubengera na Bwishyura zigize umujyi wa Karongi babangamiwe n’izamuka ry’ibiciro ku biribwa, aho bemeza ko byatewe n’izuba ryinshi.

Iyo ugeze mu isantere ya Rubengera n’iya Bwishyura mu masoko yaho y’ibiribwa, ukaganira n’abacuruzi n’abaguzi baho ndetse n’abahinzi, bakubwira ko ibiribwa byurije ibiciro, ariko cyane imboga n’imbuto, ahanini ngo babona biterwa n’izuba ryavuye ari ryinshi.

Uyu muguzi ati: “Ibintu byose byararumbye ariko urebye usanga biterwa n’uko izuba ryavuye ari ryinshi, ku buryo imyaka yari ihinze yarumbye. Iyo urebye neza usanga imboga n’imbuto zo bikabije, kuko ibintu nk’amakaroti, intoryi, amashu ibitunguru, inyanya n’ibindi byaruriye cyane, birahahwa n’uwifite”

Karongi: Babangamiwe n’ibiciro bikomeje kuzamuka ku isoko

Abacuruza ibi biribwa bo, bemeza ko kuba ibyo bacuruza bari kubikura kure ari intandaro yo guhenda.

Uyu mucuruzi mu isoko rya Rubengera ati:” Nk’ubu muri Karongi nta kintu na kimwe kiri kuhaboneka kuko nta kiheze, nk’izi ntoryi mubona mvuye kuzirangura i Gitarama, Amakaroti tubona ni ava i Gisenyi, inyanya kuwa kabiri no kuwa gatanu icyombo kizizana kizivanye i cyangugu.”

Abo baturage bavuga ko ubuyobozi bw’Akarere ka Karongi bwakagize icyo bukora ngo iki kibazo kibashe gukemuka kuko bikomeje gutya ingo zimwe zatangira kujya zirara zitikoze ku munwa.

Ubuyobozi bw’Akarere ka Karongi nabwo bwemeza ko intandaro y’izamuka ry’ibiciro ari izuba ryinshi ryabonetse, gusa bukemeza ko hari uburyo bwakwifashishwa mu guhangana n’iki kibazo kigakemuka nkuko bitangazwa na Hakizimana Sebastien, Umuyobozi w’Akarere wungirije ushinzwe imari n’ubukungu.

Hakizimana ati:” Igihe nk’iki cy’ihinga umusaruro uba watangiye gushira kuko baba banakeneye imbuto kandi hanavuye izuba ryinshi ritari ryitezwe, mu gihe nk’iki cy’izuba abaturage bakagiye mu mibande bagahinga kandi bakavomerera kuko dufite amazi menshi.”

Isantere ya Rubengera yo mu Murenge wa Rubengera ndetse n’iya Bwishyura yo mu Murenge wa Bwishyura zigaragaramo iri zamuka ry’ibiciro, nizo zamaze kwemezwa nk’izigize umujyi wa Karongi.

Rusizi: Abacuruza amafaranga y’amadovizi binyuranyije n’amategeko bagiye guhagurukirwa

Abacuruza amafaranga y’amadovizi mu buryo butemewe n’amategeko  mu karere ka Rusizi bagiye guhagurukirwa kuko bigira ingaruka mbi ku bukungu bw’igihugu.

Ibi ni ibyavugiwe munama yahuje abikorera bo muri ako karere na bamwe mubashinzwe ubwo bucuruzi muri Banki nkuru y’igihugu BNR ku wa 17/09/2015, nyuma y’aho hagaragaye ko amadovizi ari gukoreshwa mu kajagari  bigatuma agaciro k’ifaranga ry’urwanda gata agaciro.

Kagoyire Fracoise umukozi wa banki nkuru y’igihugu ushinzwe kureba uko amabanki akorana n’amabiro avunja amafaranga bihagaze avuga ko amadovizi y’igihugu abereyeho gufasha igihugu kugura hanze ibyo gikeneye, ariko kuba hariho abayacuruza mu kajagari biteza ibibazo

Ingaruka ubu bucuruzi bw’amadovizi buri gutera ni ukwica agaciro kifaranga kuko usanga hari abayacuruza uko biboneye bigatuma ifaranga ry’u Rwanda rita agaciro, bituma kandi ubukungu bw’igihugu butamenyekana kuko ababikora bitemewe batagaragaza raporo n’imisoro y’igihugu.

Kagoyire Fracoise yagize ati” Abo bantu bacuruza amadovizi mu buryo bunyuranyije n’amategeko ni abagizi banabi bica igihugu bagomba kukurikiranywa  kuko ibyo bakora bitazwi arinabyo bituma igihugu gihomba haba mu kumenya amadovizi yinjiye n’imisoro banyereza”.

Mu kwezi kwa Nyakanga kwashize agaciro kifaranga ry’u Rwanda karahungabanye rita agaciro aho idorari ryari rigeze kuri Magana inani biteza ikibazo mu gihugu bitewe n’ibihuha by’abavujya muri ubwo buryo bw’akajagari kandi ntampamvu nimwe igaragara yari ibiteye.

Amuri Faustin umwe mubakora umwuga wo kuvunja amafaranga mu buryo bwemewe avuga ko ako kajagari gaterwa n’abauruzi bacuruzwa ibicuruzwa byabo mu madovizi ndetse n’abandi babikorera mu muhanda ibyo ngo bibicira akazi ubwabo bigateza n’ingaruka mbi kubukungu.

Yagize ati”ibyo bitwicira imirimo ariko ahanini bifite n’ingaruka ku ifaranga ry’igihugu cy’u Rwanda kuko babikora badasora kandi ntibagarage n’abafaranga y’amadovizi yinjiye mu gihugu”.

Hategekimana Viane ni umwe mubahagarikiwe akazi ko gucuruza amafaranga kubera ako kajagari kimwe n’abagenzi be nawe yemeza  ko nubwo babafungiwe gukora uwo murimo ako kajagari gakomeje gukorwa hirya nohino muri aka karere kubera amadorari ahabone.

 

 

 

Kibungo: Ikibazo cy’isoko ritarema buri munsi cyahagurukije ubuyobozi

Ikibazo cy’isoko ritarema buri munsi cyahagurukije ubuyobozi

Ubuyobozi mu karere ka Ngoma butangazaga ko buri gukora ibishoboka byose kugirango isoko ry’uyu mugi rijye rirema buri munsi.

 

Ubusanzwe iri soko ryubatse mu murenge wa Kibungo ryaremaga kabili mu cyumweru,kutarema buri munsi ngo bikaba bibangamiye kwihuta mu iterambere ry’uyu mugi.

Ikibazo cy’isoko ritarema buri munsi cyahagurukije ubuyobozi

Nubwo abahatuye bavuga ko bakeneye isoko rya buri munsi kuko umugi umaze kwaguka kandi bakaba bakenera guhaha buri munsi,abacururiza mu isoko bo nta kizere bafite cyuko byashoboka kuko bavuga ko byageragejwe kenshi ntibikunde.

Kuri uyu wa 09/09/2015,umucuruzi ucuruza ibiribwa muri iri soko utifuje ko amazina ye atangazwa yagize ati”Twarabigerageje byaratunaniye.Kibungo ni abahinzi baba bibereye mu buhinzi bwabo kuburyo bataboneka buri munsi.Dukikijwe n’udusoko tuba mu yindi minsi.Ubuse ribaye buri munsi ryazwamo bande?”

Ku ruhande rw’ubuyobozi bw’umurenge wa Kibungo bushishikajwe nuko isoko ryarema burimunsi buvuga ko abibwira ko bitakunda babiterwa n’imyumvire ikiri hasi kuko abatuye uyu mugi biyongereye cyane kubera za kaminuza(enye) n’abandi baje gutura uyu mugi biyongereye.

Mu rwego rwo gutinyura aba bacuruzi,ubuyobozi mu karere ka Ngoma burateganya kubasonera imisoro ku minsi itari isanzwe y’isoko,mu gihe  bizaba bitaramenyerwa abakiriya bakiri bake.

Mapendo Girbert,umunamabanga nshingwabikorwa w’umurenge wa Kibungo,yongeraho ko bazafasha aba bacuruzi mu gukora ubukangurambaga abaturage bose bakamenya ko isoko rirema buri munsi bityo bakabagana.

Yagize ati”Ntampungenge zakagombye kuba zibaho kuri iki gikorwa kuko abatuye uyu mugi aribo ubwabo bivugira ko babangamiwe n’isoko ritaba burimunsi.Ikindi ntibakagombye gucika integer kuko niba baje rimwe bakabura abakiriya biba bitaramenyera.Tuzakoba ubukanguramabga kuri radio Izuba no mu nama tuzajya tugirana n’abaturage.”

Isoko riramutse ribaye buri munsi ryatuma hari imirimo myinshi ivuka ndetse n’abacururizamo bakabasha kwiteza imbere vuba kuko bava ku minsi ibili bakoraga mu cyumweru bakajya bacuruza buri munsi.

Biteganijwe ko igikorwa cyo gufungura ku mugaragaro isoko rizajya riba buri munsi bizahuzwa no gutaha inyubako nshya z’isoko rikuru rya Kibungo ryuzuye ritwaye miliyoni zigera kuri 2010.

 

Ngoma: Abacururiza mu masoko babangamiwe n’ubucuruzi bw’agataro

Abacururiza mu masoko babangamiwe n’ubucuruzi bw’agataro 

Abacururiza mu isoko rikuru rya Ngoma babangamiwe n’abantu bacururiza ku dutaro kuko bababuza abakiriya  bigatuma babura ayo kwishyura imisoro.

Abacururiza ku dutaro bacuruza ibijyanye n’ibiribwa mu mago kuburyo usanga nta muntu uza kubigura mu isoko. Ibi ngo bituma abasora bakorera mu masoko batabasha kubona abakiriya bahagije kuko baba bahashye n’abo kudutaro batanasora.

Uwitwa Denyse Umuraza, ucuruza ibiribwa muri iri soko yagize ati ”Twebwe dutanga umusoro w’ibihumbi bitandatu ariko abantu badasora bakaturusha gucuruza badutwarira abakiriya. Ubuse umuntu yaba abijyana muri quartier ukabona nde waza guhahra mu isoko kandi babimuzaniye mu rugo?”

Abacururiza ku dutaro bo bavuga ko babiterwa nuko babuze aho bakorera kuko isoko ryabaye rito kandi imirimo yo kuryagura ikaba itararangira.

Uwitwa Mukagatesi yagize ati” Twebwe tuba dushaka ubuzima,iyo umuntu aboneye igishoro gito aratangira kandi mu isoko ubu ntamyanya irimo ushatse gukora ntiyabona aho akorera batubwiye ko huzuye.”

Nuwo ariko bakora ubu bucuruzi bwo kumihanda ,ngo usanga bahuriramo n’imbogamizi nynshi zirimo kwakwa ibyo bacuruza igihe bahuye n’abashinzwe umutekano(DASSO).

Mukagatesi yakomeje agira ati” Turacuruza ariko usanga bibangamye kuko nk’ubu hari ubwo usanga uhuye na DASSO bakabikwambura ubwo niba ari inyanya ukaba urahombye. Badufasha kubona igishoro kuko twe dufite ubushake bwo gukora.”

Ubuyobozi bw’akarere buvuga ko bwafashe ingamba zo guca ubu bucucuruzi  ndetse ubu imirimo yo kwagura iri soko ngo haboneke ibindi bibanza byinshi kubashaka gucuruza.

Umuyobozi  wungirije w’akarere ka Ngoma ushinzwe ubukungu,Mupenzi George, avuga ko rwiyemezamirimo wubaka iri soko ari gusoza kuburyo bitarenza ukwezi  kwa kenda 2015 batarataha iri soko rigatangira gukorerwamo ubwo bucuruzi bwo kudutaro bugacibwa.

Si ubwambere aba bantu bacururiza kumuhanda bamaganwa,kuko  uretse no kugenda bacururiza mu mihanda hari abarema udusoko ku mihanda aho ngo byanduza umugi ndetse bikanateza akajagari.

 

UN-Rwanda, Government sign RwF 4.96bn Grant 

UN-Rwanda, Government sign RwF 4.96bn Grant 

The Government of Rwanda and One UN Rwanda, yesterday signed US$ 7.2 million (approximately RwF 4.96 billion)

The grant will strengthen the capacity of National and Sub-National Institutions to generate data and enhance evidence based on Policy Planning, Analysis and Monitoring and Evaluation.

The five-year (2013 -2018) program plan is derived from the United Nations Development Assistance Plan (UNDAP).

It outlines the continued support of UN agencies in capacity building for the national and sub-national institutions, coordinated by the Institute of Statistics of Rwanda, in conducting high quality data collection, data analysis and dissemination.

These are instrumental in tracking progress towards the realization of the set results of the Second Economic Development and Poverty Reduction Strategy (EDPRS2) and other international development goals.

The Minister for Finance and Economic Planning Claver Gatete noted that the support was in line with EDPRS2 especially on increasing engagement of citizens in development planning at all levels.

“This support will focus on in-depth analysis and utilization of existing information for evidence-based policy making and monitoring and evaluation, especially at decentralized levels,” Minister Gatete said.

Minister Gatete also noted that funds would help in producing accurate data and information that would help in decision making.

Overall the project will support institutional capacity building for data production in socio-demographic and economic surveys such as Census, the Comprehensive Food Security and Vulnerability Analysis and Demographic and Health Survey.

It will also support integrated households living conditions survey, various more sector specific surveys and frameworks like gender statistics framework will also be strengthened.

The UN contributed to improvement of capacity to undertaking governance assessment to strengthen the evidence base for policy and programming in the area of governance and to produce.

Why some people prefer banks to credit associations

Why some people prefer banks to credit associations

While the government of Rwanda is encouraging citizens to form associations to achieve fast social economic development, some traders revealed their reasons for avoiding associations.

Traders form lending and saving associations especially at the place of work that help them improve their businesses. Members give money to one person or two according to agreed time.

Viater ishimwe is a shoe seller at Kimironko market. He said associations are good but they are stressing especially to the small scale entrepreneurs.

“Money is collected daily and every member will pay without any excuse. This means you have to borrow some where if you did not make any sales that day,” he said.

“The first one to get the money mostly benefits more since it’s injected in the business while the last one needs to have stable income to keep business going and contributing every day,” he added.

Annet Wibabara, another proprietor at Kimironko market confirmed that keeping to the standards of an association can lead to business collapse to some traders.

“I used to be a member of an association but pulled out due to financial constraints. Sometimes you could be forced to contribute all the money leaving nothing to buy new items. This created a slow back in my business hence quitting associations,” she lamented.

Richard Nsabimana, who sells potatoes at the same market, disclosed that it’s better to save your money in the bank than joining associations.

“Keeping savings in the bank allows a trader to access a loan in addition to accessing his or her money anytime for business expansion,” he added.

The Government of Rwanda views associations and Cooperatives as a potential vehicle through which the members could create employment and expand access to income-generating activities, develop their business potential, including entrepreneurial and managerial capacities through education and training; increase savings and investment, and improve social well-being with special emphasis on gender equality, housing, education, health care and community development.

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