Porogaramu nziza zo kwaka inguzanyo ya 50,000 RWF yihutirwa mu Rwanda

Byari ku wa Kane nimugoroba, Mambo akimara kurangiza akazi ke muri resitora y’ibiribwa i Kigali. Mu gihe yarimo ataha, telefone ye yarasakuje yerekana ubutumwa bwatumye umutima we uhagarara gato. Murumuna we, wari umaze iminsi ajya mu bitaro, yari akeneye ikizamini cyihutirwa cy’ubuvuzi. Igiciro? 50,000 RWF, amafaranga Mambo atari afite.

Mambo yatangiye kwibaza byinshi. Uko yari ameze, yari yarakoresheje ubwizigame bwe bwose, kandi nta handi yari afite ho gukura amafaranga. Kwaka inshuti inguzanyo ntibyashobokaga, kandi igitekerezo cyo kujya mu biro by’amabanki byongeraga ubwoba. Ariko yaje kwibuka ikiganiro yagiranye na mugenzi we, wamubwiye uko yabonye inguzanyo yihuse akoresheje porogaramu yo kuri telefone mu gukemura ikibazo cyo gusana inzu ye. Afite umutima uhagaze kandi yihuta, Mambo yafashe telefone ye atangira gushaka iyo porogaramu.

Mu minota mike, yabonye iyabonekaga ko ari iyizewe, yinjijemo amakuru ye, maze ategereza igisubizo mu mpumu nke. Bidatinze, ubutumwa bwamugeraho — inguzanyo ye yemerewe, kandi amafaranga ari kuri konti ye. Yumva atuje, kandi kubera ayo mafaranga, yashoboye kwishyura ibikenewe mu buvuzi no kwemeza ko murumuna we abonye ubuvuzi akeneye.

Ibyabaye kuri Mambo si igikorwa cyihariye. Mu Rwanda, aho abarenga 70% by’abaturage bafite telefone zigendanwa, inguzanyo z’ikoranabuhanga zabaye ubuzima ku benshi. Nk’uko Banki Nkuru y’Igihugu ibivuga, imikoreshereze y’amafaranga ya telefone yiyongereyeho 50% umwaka ushize, ikimenyetso cy’uko abantu benshi bari kwiyambaza ibisubizo by’ikoranabuhanga mu bibazo by’imari. Izi porogaramu zo kwaka inguzanyo si ukubera gusa korohereza; ni ukubera gutanga umutekano mu gihe ubuzima butunguranye.

Niba ari fagitire y’ubuvuzi y’ibanze, gusana inzu byihutirwa, cyangwa se gukomeza kubaho kugeza umushahara ugiye kuza, turabereka porogaramu nziza zo kwaka inguzanyo ya 50,000 RWF mu buryo bwihuse.

Inyandiko y’inyongera: Porogaramu nziza zo kwaka inguzanyo ya 50,000 Naira yihutirwa muri Nijeriya

Ibisabwa by’ibanze kugira ngo wemerewe inguzanyo ya 50,000 RWF

Kuko 50,000 RWF atari amafaranga make, witegure ko abatanga inguzanyo bazagusaba ibintu byinshi mbere yo kuyemera. Birashoboka ko bazagusaba ibyangombwa bimwe na bimwe mbere yo kwemeza inguzanyo yawe.

Icyemezo cy’indangamuntu n’ubwenegihugu

Kugira ngo usabe inguzanyo mu Rwanda, ugomba gutanga ibyangombwa by’irangamuntu byemewe, bikubiyemo Indangamuntu y’Igihugu ku baturage cyangwa pasiporo cyangwa uruhushya rwo gutura ku banyamahanga. Ibi byangombwa ni ingenzi kuko bifasha umwishyuriza kugenzura uwo uri we no kwemeza ko wemerewe n’amategeko gufata inguzanyo mu gihugu.

Icyemezo cy’umushahara

Abatanga inguzanyo bagomba kwemeza ko ufite umushahara uhagije kandi uhoraho wo kwishyura inguzanyo. Kugira ngo bagenzure ibyo winjiza, abasaba inguzanyo basabwa gutanga inyemezabwishyu z’amezi atatu ashize, hamwe na raporo za banki zerekana ko winjiza amafaranga ahoraho. Ku bikorera ku giti cyabo, inyandiko z’imisoro nazo zirakenewe. Gutanga icyemezo cy’umushahara bigaragaza ihamye ryawe mu by’ubukungu kandi bifasha abatanga inguzanyo gusuzuma ubushobozi bwawe bwo kwishyura.

Amateka y’akazi

Kugira akazi gahoraho cyangwa isoko y’inyungu ihoraho ni ingenzi cyane mu gusaba inguzanyo. Abatanga inguzanyo bakunze gusaba icyemezo cy’uko ukora, nko kuba ufite ibaruwa y’umukoresha ikwemeza umwanya uriho n’umushahara, cyangwa icyemezo cy’uko wikorera ku giti cyawe cyangwa ufite ubucuruzi niba bibaho. Amateka ahamye y’akazi ashimangira abatanga inguzanyo ko ushobora kwishyura inguzanyo buri gihe, bikongera amahirwe yawe yo kwemererwa.

Imyaka n’aho utuye

Abasaba inguzanyo bagomba kuba bafite imyaka y’ubukure (akenshi 18 cyangwa 21, bitewe n’utanga inguzanyo) kandi baba mu Rwanda. Ibi byemeza ko ushobora kugirana amasezerano y’inguzanyo mu buryo bwemewe n’amategeko kandi ufite aho uba hameze neza.

Inyandiko y’inyongera: Uko wabona uruhushya rwo gutanga inguzanyo mu Rwanda

Intego y’inguzanyo

Abatanga inguzanyo bashobora gusaba ibisobanuro birambuye ku bijyanye n’uko uteganya gukoresha inguzanyo, cyane cyane ku nguzanyo z’ubucuruzi. Muri ubwo buryo, ushobora kuba usabwa gutanga umushinga w’ubucuruzi cyangwa umushinga uteganya, gutanga isesengura ry’ibyinjiza biteganyijwe ku ishoramari, no kugaragaza inyandiko zigaragaza imikorere y’ubucuruzi bwawe. Ibi bisobanuro bifasha abatanga inguzanyo gusuzuma ubushobozi bw’umushinga wawe no kureba niba ushobora kwishyura inguzanyo. Intego ifatika kandi isobanutse y’inguzanyo ishimangira umwishyuriza ko ushobora gukoresha amafaranga neza no kwishyura inguzanyo.

Ingurane (kubw’inguzanyo zisaba ingwate)

Abatanga inguzanyo basaba ingwate ku nguzanyo zisaba ingwate, nko ku nguzanyo z’inzu cyangwa imodoka. Izi ngwate zishobora kuba ibintu bitandukanye bitewe n’ubwoko bw’inguzanyo: inzu cyangwa ubutaka ku nguzanyo y’inzu, imodoka ku nguzanyo y’imodoka, cyangwa imitungo y’ubucuruzi ku nguzanyo y’ubucuruzi. Mu gutanga inguzanyo ifite ingwate, abatanga inguzanyo babona icyizere ko bashobora kugaruza amafaranga yabo niba utabashije kwishyura inguzanyo, bityo bakagabanya ibyago byabo by’ubukungu.

Amafaranga y’ifatizo cyangwa uruhare rw’umukiriya (ku nguzanyo zimwe na zimwe)

Ku nguzanyo zo kugura ibikoresho cyangwa inzu, abatanga inguzanyo bashobora gusaba amafaranga y’ifatizo. Aya ni akenshi igice cy’umubare w’inguzanyo kandi ni uruhare rwa mbere mu kugura. Bisobanura ko usabwa gutanga igice runaka cy’umubare w’inguzanyo nk’ikimenyetso cy’ubwitange. Urugero, niba ushaka kugura imashini ifite agaciro ka 150,000 RWF, bashobora kugusaba gutanga 50,000 RWF mbere. Uru ruhare rwawe rugabanya umubare umwishyuriza agomba gutanga kandi rukongera icyizere cye. Kubera ko washyizeho amafaranga yawe mu kintu, ntibyoroshye ko wananirwa kwishyura kugira ngo udatakaza amafaranga yawe n’icyo kintu ubwacyo.

Inyandiko y’inyongera: Porogaramu nziza zo kwaka inguzanyo ya 10,000 Naira yihutirwa muri Nijeriya

Porogaramu 5 nziza zo kwaka inguzanyo ya 50,000 RWF yihutirwa mu Rwanda

Standard Life Rwanda Plc

Standard Life Rwanda itanga urutonde rwa micro-inguzanyo zateguwe kugirango zihuze n’ibikenewe by’amafaranga yihutirwa. Porogaramu itanga inguzanyo kuva kuri 5,000 RWF kugeza kuri 50,000 RWF, byose biboneka mu buryo bworoshye kandi bwuzuye kuri murandasi. Iboneka kuri Google Play Store no ku isoko rya Lendsqr, Standard Life Rwanda ntisaba ingwate kandi isaba inyandiko nkeya. Ibyo inguzanyo zisaba birimo igihe cyo kwishyura kuva ku mezi 1 kugeza kuri 3, hamwe n’inyungu ya 3% ku kwezi, bitanga uburyo bwo kubona amafaranga ku giciro gito ku mpamvu zitandukanye.

Zigama Credit and Savings Society

Zigama Credit and Savings Society itanga urutonde rw’ibicuruzwa by’inguzanyo bifite inyungu iri hasi cyane mu Rwanda. Sosiyete yitaho ko ibyifuzo by’inguzanyo byose bitunganywa vuba kugirango hatangwe serivisi ku gihe. Kugira ngo wemerewe inguzanyo, abanyamuryango bagomba kuzuza ibisabwa byinshi, harimo gutanga umusanzu mu bigega by’ubwizigame, ubushobozi bwo kwishyura inguzanyo mu gihe cyagenwe, umubano mwiza na sosiyete, uruhare bwite mu mushinga, n’ibyemezo by’imyitwarire myiza. Bitewe n’igihe inguzanyo imara, inyungu ku bicuruzwa bya Zigama CSS iri hagati ya 13% na 16.5%. Inyungu igenwa gutya:

• Inguzanyo z’igihe gito cyane (kugeza ku mezi 12): 15% – 16.5%
• Inguzanyo z’igihe gito (kugeza ku mezi 48): 13% – 15%
• Inguzanyo z’igihe hagati (kugeza ku mezi 84): 13% – 15%
• Inguzanyo z’igihe kirekire (kugeza ku mezi 180): 13% – 15%
• Ibikorwa bya BDF – Price na PASPA (kugeza ku mezi 72): 13% – 15%
• Inguzanyo z’umuryango (kugeza ku mezi 24): 15%
• Inguzanyo z’ubucuruzi (kugeza ku mezi 84): 15%

Zigama CSS itanga urutonde rutandukanye rwa serivisi z’inguzanyo, harimo inguzanyo zo gukoresha, ibikoresho, inzu, ubuhinzi n’ubucuruzi, byose byateguwe kugirango byuzuze ibikenewe bitandukanye by’abanyamuryango bayo.

Bank of Africa (Itsinda BMCE)

Bank of Africa itanga urutonde rw’ibicuruzwa by’inguzanyo byateguwe kugirango byuzuze ibikenewe bitandukanye by’imari, kuva kugura ibikoresho byo mu rugo kugeza ku gutanga ubwisungane mu kwivuza. Banki itanga inguzanyo zifite ibi biranga:

• Umubare muto w’inguzanyo: 100,000 RWF
• Umubare ntarengwa w’inguzanyo: Kugera kuri miliyoni 4 RWF nta ngwate. Ku mubare urenze miliyoni 4 RWF, ingwate irakenewe, kandi inyungu iba 19%.
• Igihe: Kugera ku myaka 4
• Ubwoko bw’ibikoresho by’imari byemewe: Ibikoresho byo mu rugo, ubwisungane mu kwivuza n’ibindi
• Ubwishingizi bw’itegeko: Ubwishingizi bw’ubuzima
• Imyaka fatizo yo gusaba: 21

Amategeko y’ubushobozi:

• Umushahara ugomba kujya kuri konti isanzwe ya BOA mu gihe cy’amezi atatu nibura.
• Ugomba kuba ukorera umushahara kandi ufite konti isanzwe muri BOA.
• Kuba umaze nibura amezi atatu ku kazi.
• Umubare w’ishoramari ntiugomba kurenga 50% by’umushahara w’umukiriya.
• Kuba wararangije igihe cy’igerageza ku kazi.
• Umushahara ntukenewe kuba kuri BOA mu gihe cyo gufata inguzanyo iva ahandi.
• Niba ufite uwo mwashakanye, umushahara we ugomba gufatwa mu buryo bwemewe, kandi agomba gusinya ku nyandiko y’ubwumvikane niba bikenewe.

Ibyangombwa bisabwa:

• Ibaruwa isaba inguzanyo
• Fotokopi y’Indangamuntu
• Fotokopi y’amasezerano y’akazi
• Icyemezo cy’umushahara n’inyemezabwishyu eshatu ziheruka
• Ibyangombwa by’irangamimerere

BKquick na Banki ya Kigali

BKquick iha abakiriya ba Banki ya Kigali uburyo bworoshye bwo kubona inguzanyo bakoresheje telefone zigendanwa. Ukoresheje BKquick, ushobora kwaka inguzanyo kugeza kuri 500,000 RWF ukayishyura mu gihe wahisemo, kuva ku kwezi kumwe kugeza ku mezi atatu.

Serivisi ifite umuvuduko wo gutunganya ibintu mu minota itarenze itanu n’inyungu nziza ya 4% gusa. Nta ngwate y’inyongera ikenewe kuri izi nguzanyo, kandi uburyo bwo gusuzuma umukiriya bushingiye ku mushahara uhora uca muri BK, nk’umushahara, ubukode, imperekeza cyangwa inyungu z’ubucuruzi.

BKquick inatanga gahunda z’ubwizigame bworoshye, ituma abakiriya bashobora kugenzura ubwizigame bwabo bakoresheje telefone zigendanwa. Inguzanyo ishobora gukoreshwa ku mpamvu iyo ari yo yose, bikayigira igisubizo cy’imari gikomeye. Kugira ngo usabe, andika *334# kuri telefone yawe, uhitemo BKquick, maze ukurikize amabwiriza yo kurangiza ubusabe bwawe.

Credit Jambo Ltd

Credit Jambo ni urubuga rwo gutanga inguzanyo rukoresha ikoranabuhanga rutanga micro-inguzanyo zishobora kugerwaho kandi zidahenze ku binjiza amafaranga make n’ibigo bito n’ibiciriritse mu Rwanda, mugihe batanga uburyo bwo gutanga serivisi z’imari kuri bose no gushyigikira iterambere ry’ubukungu bw’imiryango. Yahawe uruhushya nk’Umushoramari w’Imari Utakira Ingwate (NDFSP) na Banki Nkuru y’Igihugu y’u Rwanda, Credit Jambo itanga serivisi zitandukanye z’imari zateguwe kugirango ziteze imbere ubukungu mu Rwanda no muri Afurika.

Ibicuruzwa batanga:

• Jambo Cash: Ukeneye inguzanyo y’ibanze ku mpamvu bwite cyangwa ubucuruzi? Geraho micro-inguzanyo ifite inyungu ya 10%, yishyurwa mu minsi 30 kugeza kuri 90.
• Jambo eMOTO: Inguzanyo ku bucuruzi bwa moto cyangwa gutanga ibintu, hibandwa ku bidukikije.
• Jambo Green: Inguzanyo ku bahinzi bo muri Afurika y’Uburasirazuba bashaka kongera umusaruro ariko badafite igishoro.
• Jambo4Her: Yagenewe abagore bacuruzi cyangwa amatsinda ashaka gutangiza cyangwa kwagura ubucuruzi bwabo.
• Jambo Duuka: Inguzanyo ku banyeshuri cyangwa abafite amaduka bashaka kongera ibicuruzwa.

Inyandiko y’inyongera: Aho wabona kandi uko wabona inguzanyo yihutirwa ya 5,000 Naira muri Nijeriya

50,000 RWF mu ntoki zawe

Iyo ubuzima buguhaye ibibazo by’ubukungu utiteguye, kubona inguzanyo yihuse kandi yizewe bishobora kugira itandukaniro rikomeye. Twakoze akazi k’ingufu mu gukusanya porogaramu eshanu nziza kandi zizewe zo kwaka inguzanyo mu Rwanda ziboneka kugirango ziguhe ibisubizo bitandukanye byihuse kandi byoroshye byo guhura n’ibikenewe byawe byihutirwa, byose uri mu nzu yawe. Sura isoko ya Lendsqr urebe abandi batanga inguzanyo benshi baturuka impande zose z’isi.