Nk’uko Abanyamuryango bayo babihamya, iyi koperative yagize ibibazo bikomeye byateje ibihombo ariko gukomeza gukorera hamwe no gushyira ingufu mu kwiyubaka byatumye yongera kuzahura ubukungu bwayo.

UBUHAMYA

NISHYIREMBERE CHRISTINE

Maze imyaka 8. Nkigera muri koperative. Ninjira muri koperative nasanze bafite ubuyobozi butari bwiza, koperative iri mu gihombo gikomeye, amabanki aza kutwishyuza buri munsi, imisoro itishyurwa n’ibindi byinshi.

Umwaka wakurikiyeho rero twatoye abandi bayobozi badufashije gukura koperative mu bibazo. Bagitangira kuyobora bahoraga baduha amaraporo agaragaza ko dufite imyenda n’amafaranga yose ageze kuri konti ya koperative agahita yishyurwa iyo myenda bityo koperative ibanza kudindira kuko twakoraga twishyura ibihombo, ariko kuko bari abayobozi b’inyangamugayo bakomeza kwishyura neza kugeza igihe noneho amafaranga yagiye azamuka, ntitwongera kumva raporo zivuga ko konti yacu iriho 0; uyu munsi kuba badusomeye raporo ivuga miliyoni zirenga 17 ziri kuri konti ni ikigaragaza intambwe ikomeye tumaze gutera.

Ubu rwose ntawe ushobora kunkura muri koperative kuko nayibonyemo ibyiza byinshi. Koperative yamvanye mu nzu y’ibyumba bibiri, ubu ndi niyujurije iy’ibyumba 5 n’uruganiriro. Ubu njya kuri banki nkabona inguzanyo byihuse mbikesha koperative, mbese ngiye kugushimira ibyo gukorera muri koperative nazageza ejo.

Inama: Ibibazo rwose twabiciyemo kandi bikomeye, yewe hakaba n’imirwano ariko icyadufashije kubivamo ni ugutora abayobozi b’inyangamugayo badufashije kwikura mu gihombo hamwe no gukora mu buryo bukurikije amategeko ndetse no gukorana n’inzego zishinzwe amakoperative nka RCA kuko baduhaye inama zadufashije gukorera mu mucyo kandi dukurikije amategeko. 

NDAYAMBAJE CLAUDE

Njye natangiranye na Koperative, itangira neza ariko uko abayobozi bagendaga bahinduka haza kujyaho abayobozi bayishyira mu bibazo bikomeye; hari n’ubwo twazaga mu nama abantu bagashaka kurwana kubera uburemere bw’igihombo cyari gihari. Nyuma rero twaje kugirwa inama na RCA, hakorwa ubugenzuzi maze ababigizemo uruhare bakurikiranwa n’inkiko maze twitorera abandi bayobozi bashya badufashije gusohoka muri ibi bibazo, ubu turiteza imbere mu buryo bufatika. Nkanjye ku giti cyanjye, ubu mfite inzu nziza irimo sima yose, umugore arambara igitenge cyiza, abana bariga, nta kibazo na kimwe mfite kandi byose mbikesha kuba nkorera muri koperative. Mfite inka, ntarajya muri koperative sinashoboraga kugira ibi byose.

Nagira n’inama amakoperative agifite bene ibyo bibazo ko icya mbere bagomba kuzirikana ari ugukorera hamwe nk’uko intego ya koperative ari ugukorera hamwe ntihagire abaca ku ruhande ngo bakore ibyabo gusa yaba abayobozi n’abanyamuryango bose bakajya inama bagafatira hamwe umwanzuro; iryo niryo banga twakoresheje. Ikindi kandi bagane inzego zishinzwe amakoperative kuko zihari ku bwabo maze zibafashe nabo bagere ku byiza byo gukorera muri koperarative.

NYIRANGIRIMANA CLAUDINE

Ubu twabashije kwagura ibikorwa, tugura ubutaka, twubaka inzu yacu bwite irimo n’amashanyarazi ndetse n’ubu dufite imashini yuhira yacu bwite. Ubu rwose aho tugeze ni heza, ubu njye ku musaruro sinabona ari munsi ya miliyoni n’igice (1,500,000) byose mbikesha gukorera muri koperative.

Abari muri koperative zifite ibibazo rero, nabagira inama yo gukora bakurikije amategeko ndetse n’aho bibananiye bakegera inzego zishinzwe amakoperative harimo na RCA bakabagira inama y’uko bitwara ngo bave muri ibyo bibazo kandi birashoboka. Ikindi kandi abayobozi b’amakoperative nabo babe inyangamugayo ntibagatorwe ngo birebeho bonyine ahubwo bareberere inyungu za koperative yose, nibwo bazatera imbere.

Umuyobozi wa RCA mu Ntara y’Amajyepfo ushinzwe ubugenzuzi, Abdul Wahab NTAGANDA, na we agaragaza ko hari igihe cyageze iyi koperative ikagira ibibazo by’imiyoborere mibi yaaranzwe n’ibihombo no kunyereza umutungo bibyara amakimbirane yatumye koperative isubira inyuma, ariko kandi agahamya ko ibi bibazo byakemutse ndetse ko iri mu makoperative izindi zakwigiraho.

“Koperative IMPABARUTA yahuye n’ibibazo bikomeye birimo iby’imicungire mibi y’umutungo byabateje n’igihombo gikomeye. Tuyigezemo twakoze ubugenzuzi maze abakekwagaho kunyereza umutungo wayo bashyikirizwa inzengo z’ubutabera barakurikiranwa. Nyuma baje gutora ubundi buyobozi bwiza, dukomeza kubaba hafi, bagenda bishyura ibyo bihombo buhoro buhoro kugeza babivuyemo burundu ndetse ubu ni imwe muri koperative zihagaze neza haba mu miyoborere ndetse no mu bukungu n’iterambere ry’abanyamuryango. Andi makoperative yagiye ahura n’ibibazo nk’ibyo akwiye kuyigiraho kuko ni urugero rwiza.”

AMATEKA YA KOPERTIVE

IMPABARUTA ni amagambo y’impine asobanura IMPARANIRAMUSARURO Y’ABAHINZI BA RUNDA NA TABA yatangiye mu mwaka wa 2007 ariko iza kubona ubuzima gatozi mumwaka wa 2010, ikaba ikora ubuhinzi bw’ibigori n’imboga.

Koperative IMPABARUTA ifite abanyamuryango 824, muri bo abagore ni 509 abagabo ni 315. Yatangiriye k’umugabane shingiro w’ibihumbi bitanu (5,000frw), uza kuzamuka ugera k’umugabane w’ibihumbi cumi na bitandatu na magana abiri (16,200frw).

Mu mwaka wa 2017 Impabaruta yaje guhura n’imiyoborere n’imicungire mibi igwa mu gihombo cy’agera kuri 56,000,000; harimo 25,000,000 yanyerejwe, 8,000,000 y’imisoro itarishyurwaga ndetse n’amadeni yari ifite ku mabanki agera kuri 23,000,000 yari yarananiwe kwishyura. Icyo gihe koperative yari mumadeni gusa n’imigabane y’abanyamuryango nta numwe wari uhari.

Mu mwaka wa 2018 IMPABARUTA yabonye ubuyobozi bushya itangira urugendo rwo kwivana mubibazo yari irimo ndetse itangira urugendo rwo kwiyubaka. Muri 2019 yashyizeho ikigega cy’ishoramali maze ishaka umufaranyabikorwa bafatanya gutubura imbuto y’ibigori aho  ku giciro bemeranyijweho kugura imbuto y’ibigori akajya arenzaho amafaranga yo gushyigikira ishoramari rya koperative, ayo mafaranga koperative yayashoye mu inyogeramusaruro n’ibindi bigendanye n’ubuhinzi bibyara inyungu maze iryo shoramari ririyongera rigera kuri miliyoni zirenga 22 (22,000,000frw).

Muri 2020, Koperative yashyizeho ikigega kigoboka abanyamuryango, gitangirira ku 988,800frw ubu kikaba kigeze kuri 4,245,000 frw kikaba kigeze ku banyamuryango barenga 100 bashobora kugobokwa n’ayo mafaranga.

Koperative IMPABARUTA kandi kugeza ubu ifite imishinga itandukanye y’iterambere yifuza gushoramo amafaranga.

Hashingiwe k’urwego koperative igezemo ubu umugabane w’umunyamuryango wavuye ku bihumbi bitanu (5000frw) ugera ku bihumbi cumi na bitandatu na magana abiri (16,200frw) muri 2019, ubu muri 2022 ukaba wariyongereyeho ibihumbi 27,165 maze uva kuri 16,200 ugera kuri 43,365.

Ubu koperative IMPABARUTA ikomeje urugendo rw’iterambere aho uretse uku kuzamuka k’umugabane w’abanyamuryango, muri uyu mwaka bafite ingengo y’imari y’asaga miliyoni 63 z’amafaranya y’u Rwanda.