Abayobozi b’amakoperative mu Ntara y’Uburengerazuba basobanuriwe imikorere y’ubwizigame bw’igihe kirekire bwiswe ’Ejo Heza’ buri mu cyerekezo cy’igihugu cyo kwihutisha iterambere, banerekwa inyungu babufitemo.
Ubu bukangurambaga bugamije gukangurira abaturage kumenya, kwiyandikisha no kwizigamira no guteganyiriza izabukuru muri Ejo Heza, bo ubwabo n’imiryango yabo.
Ejo Heza ni ubwizigame bw’igihe kirekire buteganyiriza pansiyo bwashyizweho na Leta y’u Rwanda kugira ngo buri Munyarwanda n’umunyamahanga utuye mu gihugu yizigamire ateganyiriza izabukuru kugira ngo azasaze afata pansiyo nkuko bigenda ku banyamushahara bategurirwa amasaziro meza.
Mu kumenyekanisha gahunda ya Ejo Heza abayobozi b’amakoperative mu Ntara y’Uburengerazuba ku wa 12 Ukuboza 2019 bahawe amahugurwa yo kubasobanurira imikorere yayo.
Muri rusange amakoperative abarizwamo abanyamuryango basaga miliyoni eshanu bakaba bagize igice kinini cy’Abanyarwanda bangana na 92% bari basanzwe badafite amahirwe yo kugira aho bizigamira hagamijwe guteganyiriza izabukuru.
Kugeza ubu Abanyarwanda bafite ubwiteganyirize bw’izabukuru ni 8% gusa, iri janisha rikaba ryihariwe n’abakorera umushahara.
Abitabiriye inama bakomoka mu makoperative atandukanye yiganjemo ay’ubuhinzi, ubworozi, uburobyi na serivisi n’ayandi. Basoje inama biyemeje kwihutisha ubukangurambaga mu bo bahagarariye kugira ngo babafashe n’igihugu gukemura ikibazo cy’imibereho mibi mu zabukuru no gufatanya n’akarere kuko Ejo Heza yashyizwe mu mihigo y’uturere mu 2019-2020.
Umuyobozi wa Koperative y’Abahinzi b’icyayi COTHEGIM yo muri Karongi, Nsabimana Théophile, yavuze ko bashishikarije abanyamuryango kwiyandikisha no kwizigamira muri Ejo Heza.
Ati ‘‘Ubu byabereye urugero n’abatarizigamira ndetse bakaba biteguye kubikora no kubikorera imiryango yabo.’’
COTHEGIM imaze gutangira umusanzu abanyamuryango 1200 b’iyo koperative muri Ejo Heza.
Abandi bakuriye amakoperative bari bitabiriye inama bavuga ko bagiye gukangurira abanyamuryango kwizigamira.
Ikigo cy’Igihugu gishinzwe Amakoperative, RCA, gisanga abantu bakorera hamwe bose cyane cyane muri koperative bakwiye gukoresha umusaruro babona bakizigamira muri Ejo Heza.
Umuyobozi mu Kigo gishinzwe Amakoperative mu Ntara y’Uburengerazuba, Hamisi Jean Damascène, yavuze ‘‘Gahunda ya Ejo Heza yuzuzanya na Politiki nshya y’amakoperative kuko byose bigamije iterambere ry’umuturage wiyemeje gukora yiteza imbere muri koperative arimo.’’
Umuyobozi ushinzwe guhuza ibikorwa by’ubukangurambaga bya Ejo Heza mu Ntara y’Uburengerazuba, Mugiraneza Emmanuel, yavuze ko abibumbiye mu makoperative aribo EjoHeza yashyiriweho by’umwuhariko.
Yakomeje ati ‘‘Nta yandi mahirwe bari bafite yo kwizigamira no guteganyiriza izabukuru ku buryo basaza bafata pansiyo nkuko bigenda ku banyamushahara.’’
Itegeko ryashyizeho Ejo Heza riteganya ko buri muntu yizigamira akurikije ubushobozi bwe. Umunyarwanda uri mu cyiciro cya mbere n’icya kabiri by’ubudehe asabwa kwizigamira nibura 15 000 Frw ku mwaka, leta ikamwongereraho 18 000 Frw ni ukuvuga 100%. Uwo mu cyiciro cya gatatu asabwa kwizigamira nibura 18 000 Frw ku mwaka, leta ikamwongereraho 9 000 Frw ni ukuvuga 50%. Uwo mu cyiciro cya kane asabwa kwizigamira nibura 72 000 Frw ku mwaka, akaba ntacyo bongererwaho mu buryo bw’uruhare rwa Leta. Uru ruhare ntirurenga 18,000 Frw.
Ayo mafaranga y’ubwizigame ashobora gutangwa buri kwezi, buri gihembwe, buri mezi atandatu cyangwa agatangirwa icya rimwe. Umuntu witeganyirije muri Ejo Heza atangira guhabwa pansiyo yujuje imyaka 55, akayifata mu gihe cy’imyaka 20.
Uzizigamira amafaranga menshi azajya aba afite amahirwe yo kuba ayo mafaranga yaba ingwate akajya kwaka inguzanyo yo kubaka inzu cyangwa kuyigura, kwishyurira abana amashuri n’ibindi.
Umunyamuryango wa Ejo Heza uzagira ibyago yarujuje ibisabwa akagira ibyago akitaba Imana, umuryango we Leta iwufashisha 1 250 000 Frw, agizwe na miliyoni yo kuwufasha na 250 000 Frw yo gushyingura.
Kwinjira muri gahunda y’ubwizigame bw’igihe kirekire ya Ejo Heza ni ugukoresha telefoni igendanwa ukanda *506# ugakurikiza amabwiriza kugeza uhawe ubutumwa bugufi bwemeza ko wamaze kwiyandikisha.
Gahunda ya Ejo Heza ubu ibarizwa mu Kigo cy’Ubwiteganyirize mu Rwanda, RSSB, ikaba ari nayo ishinzwe ishyirwa mu bikorwa ryayo buri munsi.
Guverinoma y’u Rwanda yihaye intego yo kuzamura urwego rw’ubwizigame bukava ku gipimo cya 10.6% bukagera kuri 23 % mu 2024, Ejo Heza ikaba yariyongereye ku bundi buryo bwo kwizigamira no kwiteganyiriza busanzweho.
