SACCO GISAGARA IMAZE KUBA UBUKOMBE MU MITANGIRE YA SERIVISI

Akarere ka Gisagara gafite SACCO ku rwego rw'Akarere RUGERO SACCO, ikaba ifite amashami 13, bivuga ishami muri buri Murenge. Ikomeje kwaguka, kongera ubushobozi n'abanyamuryango no kuvugurura imitangire ya serivisi.

Mu rwego rwo gufasha abaturage kugera ku bigo by'imari, kwizigamira no kubona inguzanyo, mu mwaka wa 2008 Leta y'u Rwanda yatangije Umurenge SACCO mu Mirenge yose igize igihugu. Mu Karere ka Gisagara hatangijwe SACCO 13 nk'uko Imirenge ingana.

Icyo gihe ibigo by'Imari byari mbarwa, kandi ibyinshi byibera mu migi. Banki y'abaturage y'u Rwanda ni yo yageragezaga kuba hirya no hino mu Turere, ariko nayo ntiyageraga hose, kuko zakoreraga ahahoze ari amakomini gusa. Ibyo nabyo ~ntibyafasha~ga abaturage, kuko hari kure yabo. Ikindi kandi ibyasabwaga umuturage kugira ngo abone inguzanyo yiteze imbere byari biremereye kuri we.

Nyuma yo gutangiza Umurenge SACCO kuri buri Murenge, abaturage barorohewe, kandi na Leta yabonye uko igeza amafaranga ku baturage yahaye imirimo ku buryo bworoshye, kandi hafi yabo. Nabyo ariko byari bigifite inzitizi, kuko abakozi babimenyereye bari bake n'ibikoresho byari bike cyane, ahenshi bitajyanye n'igihe. Ibyo byatumaga abaturage bashaka amafaranga, n'ubwo hari hafi yabo, batayabonera igihe, rimwe n rimwe bagasiragira. Ibyo byanatumaga qbaturage bifite batagirira SACCO icyizere, ngo bayigane.

Uko iminsi yagiye iha iyindi, SACCOs nazo zagiye zivugurura ubwazo, zihura abakozi no gushyiraho abashoboye ku bufatanye na BNR n'ubuyobozi bw'Uturere, imitangire ya serivisi n'igishoro biriyongera. Byatumye kwa gusiragira kw'abanyamuryango bivaho, ugiye kubitsa cyangwa kubikuza byihuta. Gutanga inguzanyo nabyo byagiye binozwa, inguzanyo zikihuta kandi ku nyungu nto, yorohera abaturage. Ibi byatumye abantu benshi bayigana, n'abajyaga muri bya bigo by'imari bindi benshi baza muri SACCO.

N'ubwo SACCO yari imaze kugera kuri byinshi byiza, yari igifite imbogamizi ishingiye ku ikoranabuhanga, ko ushaka serivisi yarindaga kujyayo, bigatuma serivisi zigora abayigana cyangwa abashakayo serivisi. Byatumye SACCO itangiza gahunda yo kubitsa no kubikuza bidasabye kujya aho wafunguriye konti, ukaba wabikorera aho ugeze hose. Ibyo nabyo byayongereye icyizere, abanyamuryango n'imari shingiro, kandi n'abanyamuryango barushijeho kuryoherwa na serivisi bahabwa.

Mu rwego rwo gukomeza kunoza serivisi kugira ngo SACCO ibe ikigo cy'imari gifite imbaraga, ubushobozi n'ubuyobozi, mu mwaka wa 2025 hagiyeho SACCO ku rwego rw'Akarere, mu Mirenge hasigara amashami. Iya Gisagara yitwa RUGERO SACCO. Byatumye rero SACCO iba ikigo gifite imbaraga mu ruhando rw'ibindi bigo by'imari, gishibora gutanga inguzanyo nini ku banyamuryango uko bazifuza. Ibi byose byatumye abanyamuryango banogerwa, bizamura umubare w'abafite konti muri icyo kigo, ubwizigame n'imari shingiro.

Kuvugurura serivisi birakomeje, ubu SACCO irimo gutekereza gutangiza RIPPS  (Rwanda integrated  payments processing system), aho abanyamuryango bazajya babikuza amafaranga ku cyuma bidasabye abakozi, ku isaha yose umunyamuryango ashakiye, ndetse no kubitsa no kubikuza hakoreshejwe terefoni.

Ibyiza bikomeje kwegerezwa abaturage n'ikigo cyabo cya SACCO.