Mugwaneza Pacifique ni umuyobozi w’agateganyo w’ikigo cy’igihugu gishinzwe Koperative  mu Rwanda. Mu kiganiro kihariye aherutse guha Taarifa, yavuze ko hagikenewe ko ibyiciro bitandukanye by’Abanyarwanda bikangurirwa kugana ibigo by’imari.

 Taarifa:Mubwire abasomyi bacu, hanyuma munatubwire inshingano z’ikigo RCA.

Mugwaneza:  Nitwa Pacifique Mugwaneza. Ndi Umuyobozi w’agateganyo w’Ikigo  gishinzwe koperative mu Rwanda, RCA.

Nk’uko biteganywa n’Iteka rya Perezida N° 075/01 ryo ku wa 09/12/2022, Ikigo cy’Igihugu gishinzwe amakoperative gifite inshingano zo gukangurira abaturage gukorera hamwe mu makoperative, kwandika no guha amakoperative ubuzimagatozi.

Gishinzwe kandi guteza imbere urwego rw’amakoperative, gufasha amakoperative kwiyubaka binyuze mu nyigisho n’amahugurwa y’abanyamuryango, abayobozi n’abakozi bayo, hagatezwa imbere umuco wo kwihangira umurimo w’ubucuruzi mu rwego rw’amakoperative kandi dukurikirana iyubahirizwa ry’amategeko agenga amakoperative n’andi mategeko amakoperative asabwa kubahiriza.

Kugira ngo izi nshingano zigerweho, bisaba gukorana bya hafi n’abanyamuryango n’abandi bafatanyabikorwa bacu.

Taarifa: Muri kaporative hajya havugwa abantu baka inguzanyo ariko ntizishyurwe. Hakorwa iki kugira ngo umutungo w’abanyamuryango utagenda buheriheri?

Mugwaneza: Inguzanyo zigomba kuba zizwe neza, kandi hakabamo kwita ku nshingano ku mpande zombi haba uwayihawe ndetse n’uyitanga. Buri gihe hagomba kubaho gukurikirana. Ikindi kandi ni uko inguzanyo zigomba kugira ubwishingizi.

Ubwo rero abazifashe baba bagomba kuzishyura bitaba ibyo hagakurikizwa icyo amategeko ateganya.

Taarifa: Hari ikibazo cy’abanyamuryango baha abayobozi ba za Koperative amafaranga mu ntoki ntibabahe icyemeza ko yatanzwe bityo yaribwa bakabura uko bakurikirana. Ese haba hari ingamba zo guca iyi migirire ishyira amafaranga yabo mu byago byo kuribwa n’abatarayaruhiye?

Mugwaneza: Ntibyemewe gutanga amafaranga mu ntoki cyane ko ibigo by’imari, banki na za SACCO  zegerejwe abaturage. Amafranga yose utanze agomba kuba afite ikimenyetso kigaragaza ko wayatanze. Dufatanije n’izindi nzego, turacyakora ubukangurambaga kugira ngo abanyamuryango bagane ibigo by’imari, aho amafaranga atanzwe agira uko abikwa kandi hakaba inyandiko ibyemeza.

Taarifa: Iterambere ry’amakoperative ntirigenda ku muvuduko umwe. Hakorwa iki kugira ngo koperative zateye imbere zifashe izigifite intege nke kuzamuka?

Mugwaneza: Ntabwo koperative zagira umuvuduko w’iterambere ku rwego rumwe bitewe n’impamvu nyinshi zirimo igihe zavukiye ndetse n’ubushobozi akenshi buba butangana. Icyakorwa ni ukubaba hafi, gukomeza kubahugura no kubongerera ubumenyi butandukanye hanyuma nabo bagashyira mu bikorwa ‘business plans’ zabo uko baba bariyemeje mbere y’uko basaba kuba koperative.

Taarifa: Ibibazo by’abanyamuryango ba Koperative zo mu cyaro ni ibihe kandi bitandukaniye he iby’abo mu mijyi?

Mugwaneza: Ibibazo by’amakoperative ntibitandukanywa gusa n’ahantu ziherereye ahubwo biterwa n’ubwoko by’ibyo bibazo kandi uburemere bwabyo nabwo bukaba umwihariko wa buri koperative.

Ntabwo navuga ko hari ahantu haba ibibazo runaka ngo ahandi naho habe ibindi. Niyo haba hari ikinyuranyo,  cyaba ari gito.

Taarifa: Hari abaturage benshi bahitamo kwihuriza mu kibina kandi kikabafasha. Ni iki RCA ikora ngo ibashishikarize kujya muri SACCO n’andi makoperative.

Mugwaneza: Ibimina ntibiba byanditse mu buryo bwemewe n’amategeko, RCA ifatanya n’izindi nzego gukora ubukangurambaga bakiyandikisha bagahinduka koperative zifite ubuzimagatozi.

Taarifa: Politiki y’u Rwanda mu by’imari ivuga ko ihererekanya ry’amafaranga rigomba gukoresha ikoranabuhanga ‘cashless economy. Ikoranabuhanga muri Koperative z’u Rwanda rigeze he?

Mugwaneza: Ikoranabuhanga ryaratangiye mu makoperative y’imari(SACCOs) ndetse n’andi atari atari ay’imari hari ibigo bitandukanye by’ikoranabuhanga bibafasha gushyira ikoranabuhanga mu miyoborere ndetse n’imicungire yazo.

Taarifa: Murakoze ku kiganiro muhaye Taarifa.rw

Mugwaneza: Namwe murakoze.

Madamu Pacifique Mugwaneza ni muntu ki?

Ni umuhanga mu by’ubukungu, ufite impamyabumenyi ihanitse mu bukungu. Yize ibyo bita ‘Economic Policy Management.

Impamyabumenyi yabyo yayikuye muri Kaminuza ya Auvergne mu Bufaransa, ahitwa Clermont Ferrand.

Afite indi yo mu bukungu no gucunga amafaranga na za Banki yakuye muri Kaminuza yigenga ya Kigali, ULK.

Yatangiye kuyobora Ikigo cy’igihugu gishinzwe amakoperative taliki 28, Mutarama, 2023, ariko mbere ( mu mwaka wa 2018) yari ashinzwe gukurikirana imikorere y’amakoperatite muri iki kigo.

Guhera mu mwaka wa 2016 kugeza mu mwaka wa 2020 yari ari mu Nteko nyobozi y’Ikigo cy’igihugu cy’ingoro ndangamurage,  ashinzwe imari n’ubugenzuzi.

Yigeze gukora muri Minisiteri y’imari n’igenamigambi ndetse ashingwa inguzanyo mu cyahoze kitwa Agaseke Bank( ubu yahindutse Bank of Africa).