Abarimu bigisha mu bigo binyuranye bakorana na Koperative y’abarimu yo kubitsa no kugurizanya “Umwalimu SACCO” bavuga ko babashije kwiteza imbere bihindura imibereho yabo bituma n’umusaruro wa mwarimu ku ishuri wiyongera.
Umwarimu SACCO yashinzwe muri 2006 ku gitekerezo cyo guharanira kuzamura ubuzima bwa mwarimu binyuze mu kumuha inguzanyo yunganira umushahara muto abona. Umwalimu SACCO ifite serivisi zitandukanye zo kuzigama ndetse n’iz’inguzanyo, zose zigamije guteza imbere imibereho myiza y’abanyamuryango, cyane cyane abarimu, biciye mu nguzanyo bahabwa no kubashishikariza kuzigama.
Muri 2008 nibwo Umwarimu SACCO yatangiye guha abarimu inguzanyo ku nyungu ntoya utasanga ahandi kuko usanga inyinshi bazungukira 11% ku barimu bigisha mu bigo bya Leta n’ibifashwa na Leta naho abakora mu bigo byigenga ikaba 14%.
Kuva itangiye gutanga inguzanyo, Umwalimu SACCO yagiye izana ubwoko butandukanye bw’inguzanyo hagamijwe gukemura ibibazo bitandukanye by’abanyamuryango. Kugeza ubu Umwalimu SACCO ifte ubwoko butandukanye bw’inguzanyo bugera kuri 11, kandi buri wese ahitamo iyo afata bitewe n’icyo agiye kuyikoresha. Inyungu ku nguzanyo na yo iterwa n’ubwoko bw’inguzanyo umunyamuryango yafashe.
Kuva muri 2008 Umwalimu SACCO yatangira gukora, abarimu benshi bayisabyemo inguzanyo ndetse na yo igenda yaguka cyane haba mu mutungo bwite, serivisi itanga ndetse n’amashami ikoreramo, yavuye kuri 12 akagera kuri 30 ndetse ubu bakaba barahuje imikoranire n’Umurenge SACCO ku buryo umwarimu yafatira amafaranga ahamwegereye. Ubu kandi Koperative Umwalimu SACCO yazaniye abanyamuryango bayo serivisi z’ikoranabuhanga zitandukanye harimo na Serivisi ya Mobile Banking ifasha abanyamuryango:
- Kubitsa, kubikuza no gufata inguzanyo ya “overdraft” hakoreshejwe telefoni. Iyi serivisi yakemuye ikibazo cy’umwanya n’amafaranga y’ingendo abanyamuryango bakoreshaga baje kubitsa no kubikuza amafaranga ku mashami y’Umwalimu SACCO.
- Kureba amakuru yose ajyanye na konti yabo, kwishyura amazi no kugura amashanyarazi, amainite, ifatabuguzi rya TV (Startimes, DSTV, Canal+, etc.) no
- Kwishyura amafaranga y’ishuri bakoresheje Serivisi y’Urubuto ku bufatanye bw’Umwalimu SACCO na BK Techhouse ifasha ababyeyi kwishyura amafaranga y’ishuri bakoresheje telefoni zigendanwa, ibigo by’amashuri na byo bikamenyeshwa ko ubwishyu bwakozwe bidasabye ko basaba umubyeyi kuzana inyemezabwishyu ku ishuri.
Mu myaka isaga 13 ishize Koperative Umwalimu SACCO itangiye gukora (2008 – 2021) yagiye yongera ubwoko bw’inguzanyo iha abanyamuryango igendeye ku byifuzo byabo ndetse n’ibyo bakeneye. Ibi byagize uruhare runini mu iterambere ryabo.
Kugeza ubu abarimu bahawemo inguzanyo bavuga ko zabakuye mu bukene ndetse zinabafasha kwiteza imbere, ibintu byahinduye imibereho igoye mwarimu yari arimo cyane ko wasangaga atabayeho neza kubera umushahara muto abona.
Umwarimu ukorera mu Karere ka Ngoma, Byukusenge Diane, yabwiye IGIHE ko yasabye inguzanyo ya mbere muri 2016 kandi ubuzima bwe bwahindutse mu buryo bugaragarira buri wese ndetse ko bigira ingaruka nziza no ku musaruro atanga.
Yagize ati “Ubuzima bwarahindutse cyane ko hari n’abandi nahaye akazi. Ubundi Ubuzima bwa mwarimu bwahindutse n’umusaruro atanga uba mwiza. Iyo ufite ubuzima buri hasi ni nako umuhangayiko wiyongera. Niba narajyaga ku ishuri ntekereza ngo abana baraza kubirukana ku ishuri, cyangwa nkavuga nti hari ibintu runaka ntabashije Kubona mu rugo ibyo byarahindutse. Ubu njya ku ishuri numva ntuje, ngakora akazi neza bigatuma n’umusaruro urushaho kwiyongera.”
Uyu mwarimu kugeza ubu yabashije kwihangira imirimo ndetse amaze kugera kuri byinshi birimo kuba yaramaze kwigurira inzu ya miliyoni eshatu y’amafaranga y’u Rwanda, kwagura ibikorwa bye ndetse no guhindura imibereho ku buryo atakirinda gutegereza umushahara w’ukwezi.
Uretse Byukusenge hari n’abandi bahuje ibyo bavuga ko Umwalimu SACCO yabagejejeho nka Musabyimana Jeannette wo mu Karere ka Rulindo kuri ubu ufite uruganda rutunganya kawunga Kandi byose ngo yabikomoye mu gukorana n’Umwalimu SACCO kuva muri 2009.
Mu kiganiro yagiranye na IGIHE yagaragaje ko bitewe n’ingano y’inyungu nto bishyuraho inguzanyo mu Umwalimu SACCO ugereranyije no mu bindi bigo by’imari, bituma uwahawe ayo mafaranga akayakoresha neza amuteza imbere mu buryo bufatika.
Ati “Koperative Umwalimu SACCO ibyo yangejejeho ni byinshi. Inguzanyo yampaye yangiriye akamaro kuko nabashije kugura imitungo, isambu mbasha kwishyurira abana ishuri ndetse n’abaturage batuye aho hafi babonye imirimo. Hari n’ibyo nifuza kugeraho kubera inguzanyo y’Umwalimu SACCO, birimo gukomeza kwagura uruganda no gushinga ishuri ryigisha gutwara imodoka (Driving School).”
Kuva Koperative Umwalimu SACCO yatangira gukora kugeza ubu, imaze gutanga inguzanyo ku banyamuryango benshi, dore ko inguzanyo zatanzwe zifite agaciro kangana na 264 955 910 574 Frw kandi zafashije kuzamura imibereho ya mwarimu mu buryo bunyuranye.
Umuyobozi Mukuru wa Koperative Umwalimu SACCO, Uwambaje Laurence, yagaragaje ko ari ikigo cyashyizweho gikenewe bitewe n’uko cyari kije kunganira umwarimu muri ya mibereho ye iri hasi yari afite.
Ati “Ubundi inguzanyo umuntu ayifata bitewe n’ikibazo runaka ashaka gukemura, ibibazo rero biba butandukanye, hari uwafashe inguzanyo y’icumbi, iyo yakemuye ikibazo cyo kwibonera icumbi, ibyo bitandukanye nuko yaba ari mu bukode, iyo yaje gucyemura ikibazo cy’icumbi mwarimu yabaga afite, abandi bafashe inguzanyo yo gukora imishinga runaka, amafaranga avuyemo ni aza kunganira wa mushahara mwarimu afite akabona ahandi akura amafaranga hamufasha kwiteza imbere.”
Yavuze ko mu gutanga inguzanyo harebwa icyo izakoreshwa kandi Umwalimu SACCO igakurikirana koko ko aricyo yakoreshejwe kugira ngo igirire akamaro uyifashe kandi ntizahombe ngo bitume itishyurwa bityo n’umwalimu SACCO igahomba.
Yavuze ko mu myaka 13 ishize hari byinshi byagezweho mu guteza imbere abanyamuryango ndetse no kubakira ubushobozi Umwalimu SACCO kugira ngo ikomeze kubaho no gutanga umusanzu wayo mu guhindura ubuzima bwa mwarimu cyane ko kugeza uyu munsi ifite abanyamuryango basaga ibihumbi 95 babitsa kandi banahabwa inguzanyo.
Koperative Umwalimu SACCO yatangiye itanga inguzanyo y’igihe kitarenze imyaka ibiri ariko ubu itanga ishobora kumara imyaka 10 ku muntu umwe ishobora no kugera ku myaka 15 mu gihe cya vuba, inguzanyo ku mushahara hatangwaga atarenze miliyoni imwe ariko ubu zigera kuri miliyoni eshatu n’igice z’amafaranga y’u Rwanda nta ngwate, arenzeho agatangirwa ingwate kugeza kuri miliyoni 60 dushobora gutanga ku muntu umwe bitewe n’ubushobozi bwa buri wese.
Mu rugendo rw’imyaka 13, ntabwo imbogamizi zagiye zibura zirimo no kubura amafaranga yo guha abagenerwa bikorwa nk’inguzanyo bitewe n’umutungo muke wari uhari, ibabazo bijyanye n’ikoranabuhanga ndetse n’imyumvire ya bamwe mu banyamuryango yari ikiri hasi ariko ko ubu izo mbogamizi zose zararangiye.
Laurence yagaragaje ko hari gahunda yo gukomeza konoza serivisi z’Umwalimu SACCO by’umwihariko mu bijyanye n’ikoreshwa ry’ikoranabuhanga ku buryo serivisi zayo zirimo no gutanga inguzanyo byajya bikorerwa ku ikoranabuhanga abanyamuryango batiriwe baza ku mashami y’Umwalimu SACCO. Barateganya kandi gushyiraho Mobile Banking App izashyirwaho n’uburyo umunyamuryango yafata inguzanyo y’ingoboka akoresheje telefoni, internet banking (Gukoresha interineti mu kohereza amafaranga & gukurikirana ibibera kuri konti), ndetse no gushyiraho uburyo bwo gukoresha amakarita ya banki mu kubikuza ku buryo umwarimu aho yaba ari hose yabona amafaranga ku mashini zabugenewe (ATM) cg ku ba-agenti, n’uburyo bwo guhererekanya amafaranga mu gihugu no hanze yacyo hakoreshejwe uburyo butandukanye nka “Western Union” ndetse n’uburyo bwo gusaba inguzanyo zisanzwe hifashishijwe ikoranabuhanga ikaba yakwigwaho ikarangira umunyamuryango agasubizwa atiriwe agera ku ishami ry’Umwalimu SACCO (online loan application).
Yakomeje akangurira abanyamuryango cyane cyane abarimu kubyaza umusaruro amahirwe bafite yo kuba bafite Umwalimu SACCO kuko ari amahirwe akomeye bafite yo kwiteza imbere, kandi iyi koperative ikaba ifite ubushobozi bwo kubaha serivisi nziza zitandukanye, harimo inguzanyo n’uburyo butandukanye bwo kuzigama.
Ubuyobozi bw’Umwalimu SACCO butangaza ko buteganya kongera amahugurwa y’abanyamuryango ku birebana no gucunga imishinga, kugirango barusheho kumenya uko bashobora gucunga imishinga yabo mu buryo burambye, bakarushaho kwiteza imbere. Uretse ibijyanye no kuguriza abarimu hashyizweho n’ikigega gifasha abanyamuryango mu gihe bahuye n’ibyago byo gupfusha mu rwego rwo gukomeza kubaka ubumwe n’urukundo ku bakora umurimo w’ubwarimu.
Umuyobozi w’Umwalimu SACCO Laurence Uwambaje yashishikarije abaturarwanda muri rusange gukomeza gushyigikira Umwalimu SACCO bakoresha konti z’Umwalimu SACCO mu kwishyura amafaranga y’ishuri y’abana babo kuko ubu Koperative Umwalimu SACCO ikorana n’ibigo by’amashuri hafi ya byose bikorera mu gihugu, kandi ifite na Serivisi y’Urubuto ku bufatanye na BK Techhouse ifasha ababyeyi kwishyura amafaranga y’ishuri bakoresheje telefoni zigendanwa, ibigo by’amashuri na byo bikamenyeshwa ko ubwishyu bwakozwe bidasabye ko basaba umubyeyi kuzana inyemezabwishyu ku ishuri.
Ati:” Ibigo by’amashuri na byo turabishishikariza gushyigikira Umwalimu SACCO bakoresha cyane konti zabo ziri mu Umwalimu SACCO mu birebana no kwishyura amafaranga y’ishuri ndetse n’izindi serivisi za banki bakenera, kuko gushyigikira Umwalimu SACCO ni ugushyigikira umwarimu, ni no gushyigikira uburezi bw’abana b’u Rwanda muri rusange.”
Yashoje ashimira abanyamuryango ba Koperative Umwalimu SACCO icyizere n’imikoranire myiza badahwema kugaragariza Koperative yabo kandi abifuriza icyumweru cyiza cyahariwe Umukiliya, ati “Muri iki cyumweru cyahariwe umukiliya, dufashe uyu mwanya ngo tubashimire abanyamuryango bose b’Umwalimu SACCO icyizere badahwema kutugaragariza, natwe tubizeza ko tutazahwema gushaka ibisubizo byose bishoboka byatuma Koperative yabo irushaho kubagirira umumaro bayitegerejeho.”