Meet Nsengimana, the creative phone charger in Nyaruguru

Meet Paul. Claude Nsengimana, 24 is a tall black man a phone charger smartphone charger who has made

It sounds like an odd job but charging peoples phones is a source of income and can lead one to sustainable development.

This is a true with Claude Nsengimana, 24, a resident of Kabere centre in Kabere cell, Nyabimata sector of Nyaruguru district who said he earns Rwf15000 a month from charging phones.

Nsengimana combines charging phones with showing films on his small flat screen TV which have led to his social development.

“After dropping out of school, I decided to buy a solar panel and be creative with it. That is how I started charging phones and showing films in Kabere Centre,” he explained.

Nsengimana added that an idea struck him after realizing there was no electricity in Kabere yet cell phone owners could move long distances to charge their phones.

“I thought that in a place without electricity, one can make money if solar system is used,” he said.

Nsengimana asserted that charging phones and showing films have improved his life, saying he is capable of providing for his basic needs.

“I plan to build a house. I will not get a bank loan because my job is enough to support the project,” revealed Nsengimana.

One of his customers, Pierre Nzirasanaho said that Nsengimana saved them from walking long distances to access electricity.

“He is of great help to us because we used to walk to Rweru for 40 minutes to charge. But now you come with Rwf100 and go back home with a fully charged phone,” said Nzirasanaho.

Apart from showing them films for entertainment purposes, Nsengimana allows residents to watch news on his TV set.

Nyabimata: Yinjiza amafaranga ibihumbi 150 ku kwezi kubera gusharija terefoni

Yinjiza amafaranga ibihumbi 150 ku kwezi kubera gusharija terefoni

Nsengimana Claude w’imyaka 24, ukora umurimo wo gusharija telefoni no kwerekana firime (Films) mu gasantere ka Kabere, ko mu kagari ka Kabere, umurenge wa NYabimata mu karere ka Nyaruguru, aratangaza ko ku kwezi yinjiza amafaranga 150.000 abikesha gusharija terefoni z’abaturage ku muriro ukomoka ku mirasire y’izuba.

Uyu musore avuga ko nyuma yo gucikiriza amashuri ngo yatekereje ikintu yakora cyamuteza imbere, niko kwigira inama yo kugura icyuma gifata imirasire y’izuba kikayibyaza umuriro w’amashanyarazi (Paneau solaire), atangira gusharija terefoni no kwerekana firime mu gasantere ka Kabere.

Yinjiza amafaranga ibihumbi 150 ku kwezi kubera gusharija terefoni

Nsengimana avuga ko igitekerezo yakigize nyuma yo kubona ko muri ako gace nta muriro w’amashanyarazi uhari, kandii ngo abatunze terefoni bakaba barakoraga ingendo ndende bajya gushaka umuriro.

Ati:”Jyewe narebye ahantu hatari umuriro mpita ntekereza ko uwahazana uburyo bwo gusharija za telefoni yabona amafaranga”.

Uyu musore avuga ko aka kazi kamutunze kandi ngo akaba afite ubushobozi bwo kwikorera ibikorwa binyuranye ahanini bigora abasore bo mu kigero cye.

Ati: “Ubu jyewe ndateganya kwiyubakira inzu kandi ubushobozi ndabwifitiye ntawe nzasaba ubufasha nta n’ideni rya banki nzaka”.

Nsengimana kandi avuga ko ateganya gushaka ibyuma byinshi ubundi akabyaza umusaruro udusantere twinshi tutarageramo amashanyarazi.

Nzirasanaho Pierre nawe ukorera muri aka gasantere avuga ko uyu musore yabafashije cyane kuba yarabegereje umuriro hafi, kuko ngo byabasabaga kujya kuwushaka ahantu kure.

Ati:”Uyu muhungu aradufasha cyane kuko ufite terefoni yawe yashizemo umuriro uyizana hano ukamuha igiceri cy’ 100, akayisharija ikuzura ukitahira utavunitse, kuko mbere byasabaga ko tujya aho bita ku ruheru kandi kuva hano ujyayo harimo iminota 40 n’amaguru”.

Nsengimana kandi ngo anafasha abturage kubereka amakuru kuri tereviziyo, ariko byo ngo akabikora nta mafaranga yatse abaturage mu rwego rwo kubafasha kumenya amakuru yo hirya no hino ku isi.

 

Huye: Nyuma y’imyaka ibiri gusa, amakaro mu isoko ry’abisunganye yaromotse

Nyuma y’imyaka ibiri gusa isoko ry’Abisunganye ba Huye rifunguye imiryango, amakaro yo mu bice bimwe na bimwe yamaze komoka, ku buryo uyakandagiyeho aba afite impungenge ko agiye kuroboka. Abahakorera barabyinubira, bakibaza impamvu bidakosorwa kandi bimaze igihe.

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Ugenda mu gice cyo hejuru cy’isoko ryubatse ahitwa mu Rwabayanga mu mujyi wa Butare, ryubatswe na koperative Abisunganye ba Huye, agenda yigengesereye kuko aba yikanga kuba yaroboka akisanga mu gice cyo hasi cy’isoko.

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Ibi biterwa n’uko hari amakaro y’ahanyurwa n’abagenda muri iri soko, hanze y’ibyumba, yomotse, ku buryo uyakandagiyeho aba yumva agiye gutebera. Hari n’ayametse kubera gukandagirwaho adafashe.

Umwe mu bahakorera avuga ko ibi bibabangamiye ubwabo ndetse bikabangamira n’abakiriya babo. Agira ati “abakiriya bacu batambukaho basa n’abafite ubwoba ko bashobora kuroboka.”

Iki kibazo cy’iyomoka ry’amakaro ariko ntikiri hanze y’ibyumba gusa, kuko n’uwinjiye mu byumba bimwe na bimwe agisangmo. Ibi ngo bituma hari igihe umuntu atsitara kandi ari mu nzu.

Uhakorera umwuga w’ubudozi yagize ati “ntabwo biba bisobanutse ko umuntu yakorera mu nzu nk’iyingiyi ijyanye n’igihe akayitsitaramo! N’iyo ukinguye urugi ntabwo rubasha gufunguka neza, kuko amakaro yigiye hejuru.”

Akomeza agira ati “iyi nzu abayubatse basa n’abariho bakora kugira ngo bikize wenda ntabwo nabimenya. Kuko ni igihe gito imaze. Aya makaro, uwakandagiyeho bwa mbere, yahise yomoka.”

Thomas Habimana, uyobora iri soko, avuga ko iki kibazo giterwa n’uko uwashyizemo aya makaro yayashyizemo nabi. Ati “hari ukuntu uwayubatse yayubatse ayegeranyije cyane, ntibabasha gukotera hagati. Mu gukoropa amazi yahise yinjiramo, ni uko harakonja, n’amakaro areguka. Icyakora tumaze iminsi tuyasana.”

Jacques Nkurunziza uhagarariye inyungu za koperative Abisunganye ba Huye na we avuga ko icyo kibazo bakizi, ko hari aho bamaze gusana, kandi ko ahasigaye cyane cyane ari imbere mu nzu, kuko ngo bisaba kuzahakora umunsi abantu batakoze.

Rusizi: Urugaga rw’abikorera rurashima imikoranire iri hagati yabo n’inzego za Leta

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Mu rwego rwo guteza imbere ishoramari mu karere ka Rusizi urugaga rw’abikorera muri ako karere ruravuga ko rushimira imikorere n’imikoranire iri hagati yabo n’inzego za Leta hagamijwe kuzamura ubukungu bw’igihugu

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Gambonziza Yohani Jean Bosco umuyobozi w’urugaga rw’abikorera mu karere ka Rusizi avuga ko mbere yuko Leta Leta y’u Rwanda ishyiraho ibiganiro bihuza inzego bwite za Leta nabikorera ngo ntacyerekezo ubucuruzi bwari bufite aho buriwese yabaga ari nyamwigendaho mubucuruzi bwe ndetse no kwikemurira ibibazo byose yahura nabyo

Gusa kuva aho ibyo biganiro byashyizweho ngo hari byinshi byakosowe bitimvikanywagaho hagati y’abikorera n’inzego za Leta birimo guhabwa ibyangombwa by’ubutaka bituma abikorera babasha kubibona vuba kugirango abikorera babashe gukora imishinga minini vuba

nyuma yaho habayeho ibiganiro n’amabanki aho abikorera batumvikanaga n’ibigo byimari kuri byinshi bitandukanye birimo kutumvikana kumakontaro kuko ngo Banki ziheregara zigakora amasezerano mundimi z’amahanga kandi abacuruzi bose batazumva  ugasanga imitungo yabo itejwe cyamunara

ubu ibiga byimari ngo byemeye ko bigiye kujya bikora za Kontaro zumvikanyweho kumpande zose kandi zikoze mururimi umuntu wese yumva harimo n’ikinyarwanda nkuko byatangajwe na Ngabonziza

gusa nubwo abikorera bavuga ko hari ibyo babonaga nkamakosa mbere y’ibyo biganiro nabo ngo si shyashya kuko ngo hari amakosa nabo bakora harimo kunyereza imisoro ya Leta ariko ubu ngo byose bagiye kubikosora buri wese yubahiriza inshingano ze.

Umuyobozi w’akarere ka Rusizi wungirije ushinzwe ubukungu Kankindi Leoncien  nawe avuga ko mbere izo nzego zombi zitahurizaga hamwe mumikorere aho bahoraga baterana umupira bakitana bamwana mubikorwa bimwe nabimwe aho wabonaga ntaho bari bahuriye gusa kuri ubu ngo impande zombi zishimiye ko zikorera hamwe aho ubu bose bari kwiyumva mucyerekezo kimwe cy’igihugu

Ubu abikorera bo mu akarere ka Rusizi ngo hari aho bamaze kugera bigaragaza ko abikorera koko ari umutima wingengo y’imari yigihugu dore ko ibikorwa bakora bifite aho bigeza abaturage mu iterambere ry’igihugu muri rusange,

ibiganiro nkibi byiswe Public Private Dialogue byatangijwe mu mwaka wa 2013 n’umwiherero w’abayobozi bakuru bigihugu.

Microfinance sector’s bad loans reach 7.7 percent

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Non-performing loans have continued an upward trend with 7.7 percent in the first quarter of 2015 up from 6.8 percent in December 2014 despite the sector’s projection of a positive outlook.

According to the Central Bank,  Microfinance sector that include microfinance institutions and Savings and Credit cooperative-SACCOs saw its non-performing loans which are attributed to poor loaning systems continued to grow.

“Although it is not alarmingly high, the Central Bank target to reduce this to rate below 5 percent,” said John Rwangombwa, Governor of the Central Bank.

The recent survey by Restrad Consultancy Ltd indicates that the sector is yet to recover over Rwf 10 billion in bad loans which according to the survey accounts for 7.6 percent of the Rwf 150 billion in savings.

The increase in bad loans is attributed to lack of skills in loan management and assessment as well as management   of the sector which lacks professionals to carry out day to day running of the institutions.

Peter Rwema, executive secretary of association of Microfinance Institutions in Rwanda-AMIR says that the said bad loans accrue from small loans and credit extended to groups for health insurance, which he said will require Institutions to increase loan recovery.

“We are requesting microfinance institutions to put more effort to recover these loans,” hesaid adding that such   loans may affect the profit margins of the sector.

Earlier this year, the association conducted a survey to assert in the cause of increasing bad loans that have been identified as a threat to the sector, looked at to boost rural financial inclusion, and the survey called for capacity building of Institutions management mainly loan officers.

But there is optimism as central bank says the sector’s liquidity is still positive with its solvency ratio (the ratio of capital to total risk weighted assets stood at 33.4 percent by March 2015.

Whilst the sector’s return on Assets-ROA stood at 0.2 percent by March 2015 from 0.1 percent in the same period under review and Return on Equity-ROE stood at 0.6 percent from 0.4 percent in March 2014.

The Central Bank says it will continue to improve its monitoring approach of both external and internal threats to the system’s stability and subsequently take proactive measures where necessary.

Ruhango: Banks urged to finance SMEs

Epimaque Twagirimana, the Ruhango vice mayor for finance and economic development on Thursday advised banks to extend loans to the small and medium enterprises (SMEs)

Ruhango: Banks urged to finance SMEs

Epimaque Twagirimana

He lamented that despite significant contribution of SME sector in the country’s GDP, the sector is not getting its due share of financing from the banking system.

Twagirimana said that banks should to support the government initiative of providing youth with opportunities of financial independence through self-employment

Gicumbi – Gucuruza itabi ry’ibikamba byamufashije kwiteza imbere

Gicumbi – Gucuruza itabi ry’ibikamba byamufashije kwiteza imbere

Mutabazi Andre arimo acuruza itabi

Umusaza witwa Mutabazi Andre utuye mu murenge wa Nyankenke mu karere ka Gicumbi avuga ko ubucuruzi bw’itabi ry’ibikamba ryamufashije gutera imbere akivana mu bukene abikesha amafaranga avana muri iryo tabi.

Nk’uko yabitangaje kuri uyu wa 7/7/2015 mu kiganiro twagiranye, Mutabazi avuga ko amaze imyaka 35 acuruza itabi ry’igikamba bikaba byarmufashije kwivana mubukene.

Ubu bucuruzi yabutangiye afite imyaka 18 aho ikibabi kimwe yakigurishaga amafaranga 10 gusa.

Yaje kugenda yizigama nyuma aza gushaka umugore ariko akomeza gucuruza itabi.

Mutabazi ubu ikibabi kimwe akigurisha hagati y’amafaranga 100 na 150 bitewe n;’ingano yacyo.

Abasha gucuruza amafaranga asaga ibihumbi 100 mu kwezi akaba yemeza ko aba afitemo inyungu y’ibihumbi 50.

Ubu bucuruzi bwe yabashije kuguramo isambu ingana na hegitari 2 ahingamo ibitunga urugo rwe.

Nyuma yaje kuguramo inka yo korora maze imuha umukamo w’amata n’ifumbire abasha guhinga areza.

Ibikorwa byose yagezeho ngo abikesha ubu bucuruzi bw’itabi ndetse yumva atazareka kuko bimwinjiriza amafaranga.

Umukozi w’akarere ka Gicumbi ushinzwe umurimo Karanganwa Jean Bosco atangaza ko buri muntu wese ashobora kwitabira ibikorwa byo kwihangira umurirmo yakora kuko kubona akazi kamuhemba buri kwezi bitoroha.

Yaboneyeho gusaba abantu bose kwitabira gukora akazi ako ariko kose kuko aribyo byatuma abantu bikura mu bushomeri.

Kuruhande rw’urubyiruko avuga ko rwagombye kurebera ku basaza nkabo baba bakora ibintu biciriritse ariko bikabafasha gutera imbere bakivana mu bukene.

Ibikorwa by’ubucuruz buciriritse kandi usanga abenshi mu cyaro bakunze kubwitabira bikabafasha kwivana mu bukene.

Ruhango: Barasabwa kugira uruhare mu gushyigikira bitekerezo by’imishinga ibyara inyungu

Ruhango: Barasabwa kugira uruhare mu gushyigikira bitekerezo by’imishinga ibyara inyungu 

Umuyobozi wungirije w’Akarere ka Ruhango ushinzwe imari n’iterambere, Twagirimana Epimaque, arashishikariza abantu bose bafite ibitekerezo by’imishinga y’ishoramari kwegera abajyanama mu by’ubucuruzi (Business Development Advisors) bakorera mu mirenge, kugira ngo babafashe kubishyira mu nyandiko maze bibashe kugezwa ku bigo by’imari, bahabwe inguzanyo zo gutuma ibitekerezo byabo bishyirwa mu bikorwa.

Ibi uyu muyobozi yabisabye mu nama y’ihuriro rigamije guteza imbere ishoramari (Access to Finance Forum) mu Karere ka Ruhango  yabaye tariki 02/07/2015.

Nk’uko uyu muyobozi abisobanura, iyi nama ngo yari igamije kuganira ku nzitizi n’imbogamizi abifuza gukora imishinga bahura nazo igihe baka inguzanyo mu bigo by’imari no mu kuyishyira mu bikorwa,  ndetse no kuganira ku nzitizi yo kutubahiriza amasezerano abahawe inguzanyo baba baragiranye na banki cyangwa ibigo by’imari byabahaye inguzanyo.

Mu by’ingenzi byavuye muri iyi nama, harimo gushimangira ubufatanye hagati y’ubuyobozi bw’inzego z’ibanze n’ibigo by’imari : « ubuyobozi bw’inzego z’ibanze buzakomeza gufatanya n’Ibigo by’imari  kugira ngo abaturage babigana babashe kubona igishoro cyo gutangiza imishinga yabo, kandi ubuyobozi bw’inzego z’ibanze buzafasha   ibigo by’imari gukomeza kwishyuza ababa bacitswe ntibabashe kwishyura banki nk’uko baba barabyumvikanye mu masezerano bagiranye ».

Ku rundi ruhande, ibigo by’imari bisabwa kumva ko gutanga inguzayo ari kimwe mu bifasha Akarere n’Igihugu gutera imbere, imibereyo y’abaturage ikarushaho kuzamuka.

Ngo ni ngombwa rero guha umwihariko ibitekerezo by’imishinga igamije guhanga imirimo mishya idashingiye ku buhinzi, kuyisuzumana ubushishozi, n’ubwitonzi kugira ngo ihabwe inguzanyo zo gufasha ba nyirayo kujya mu ishoramari ryimbitse rizabafasha kwiteza imbere.

Kugira ngo imishinga ihabwa inguzanyo ibashe gutera imbere, ibigo by’imari n’abajyanama mu bucuruzi basabwe kuyiherekeza, kuyikurikiranira hafi, bareba ikiciro igezemo, bagahora batanga inama zatuma ifasha beneyo gukomeza gukora neza no gutera imbere.

Ku ruhande rw’ibigo by’imari, bemeza ko bagiye kongera imbaraga mu gukurikirana imishinga ihabwa inguzanyo mu rwego rwa gahunda yo guhanga imirimo mishya idashingiye ku buhinzi.

Tuyishimire Marie Cahantal ni Umucungamutungo wa SACCO Baturebereho y’umurenge wa Ruhango. Avuga ko, mu buryo bw’umwihariko, bagiye gukurikirana abaremerwa muri gahunda ya « Kora wigire », kugira ngo inkunga bahabwa zibashe kubageza ku iterambere rirambye.

Gisagara: Ntibashimishwa n’uburyo ababyeyi babo bigabiza ibyo bizigamiye

Gisagara: Ntibashimishwa n’uburyo ababyeyi babo bigabiza ibyo bizigamiye

Mu gihe kwigisha abana gufata umuco wo  kwizigama bikomeje hirya no hino abo mu murenge wa Kigembe mu karere ka Gisagara baravuga ko bajya babangamirwa n’ababyeyi bashoka amatungo baba bariyororeye bakayagurisha batabasabye uburenganzira.

Iyi myitwarire ya bamwe mu babyeyi kandi abaturage bo mu murenge wa Kigembe bavuga ko nayo iri mu bihembera amakimbirane yo mu miryango.

Umuco wo kwiharika kw’abana; bivuga kugira akarima cyangwa se amatungo magufi nk’inkwavu ndetse n’inkoko ku mwana, bikaba byamugoboka igihe hari ibyo akeneye nk’ibikoresho by’ishuri, ni gahunda abana bahamya ko ibafasha.

Nku’uko ariko bamwe mu bana babivuga, bakaba bagaya umuco w’ababyeyi bamwe na bamwe bigabiza ibyo aba bana baba barizigamiye bakabikoresha uko bashaka abana batabizi, bitwaje ko aribo bagenga ibyo mu rugo byose.

Umwe mu bana bo mu murenge wa Kigembe twaganiriye utarashatse ko amazina ye atangazwa, unavuga ko yiga mu mashuri yisumbuye, atangaza ko aherutse kubabazwa no gutaha agasanga ababyeyi be bagurishije amatungo yiyororeraga kandi nta nama bamugishije

Ati “Naratashye nsanga inkoko n’inkwavu zanjye bazigurishije batambwiye batanansabye uruhushya birambabaza mara iminsi ibiri ntaha singire uwo mvugisha, sinarye”

Abaturage bo muri aka gace bavuga ko koko hari bamwe mu babyeyi bigabiza imyihariko y’abana bakayikoresha batababajije, rimwe na rimwe n’ikivuyemo umwana ntamenye aho cyarengeye, ibi bigakurura amakimbirane mu ngo.

Mukamabano Marisiyana umukecuru uhatuye ati “Hari nyine abatwara iyo myihariko y’abana bakayigurisha bakajya kwinywera amayoga kandi umwana aba akeneye nawe kwiteza imbere, umwana yavuga induru zikavuga”

Bigirimana Augustin, umunyamabanga nshingwabikorwa w’umurenge wa Kigembe, avuga ko abatari bumva akamaro k’iki gikorwa, ngo bateganya gukomeza kubigisha kugira ngo imyumvire yabo ihinduke.

Ati “hari ababyeyi bagifite imyumvire iri hasi ari nabo bangiza imyihariko y’abana ariko dukomeza ubukangurambaga kandi nabo bazagenda babyumva”

Icyo abana bo muri Kigembe bifuza ni uko ababyeyi bajya babasaba uburenganzira igihe hari ubufasha bakeneye aho kugurisha batabibabwiye.

Nyaruguru: RRA urges cooperatives to pay taxes

Ernest Karasira, the in- charge of training in Rwanda revenue authority has urged representatives of cooperatives and small scale business owners operating in Nyaruguru district to always honour their tax obligations.

It is time for Rwandans to realise that paying taxes is a duty of every citizen. No one should push you around to pay taxes. It is a bad attitude that should not be given room in this country,” he said.

Nyaruguru: RRA urges cooperatives to pay taxes

He encouraged the participants to embrace the culture of paying their taxes on time to avoid penalties.

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