Politiki y’Amakoperative mu Rwanda · NO: 001 Koperative MagazineMutarama-Kamena 2019 Politiki y’Amakoperative mu Rwanda. AMAKURU. Pg 6: Gahunda yo gukorera mu Makoperative no

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NO: 001 Mutarama-Kamena 2019 Koperative Magazine

Politiki y’Amakoperative mu Rwanda

AMAKURUPg 6: Gahunda yo

gukorera mu Makoperative no kwihangira imirimo

Pg 14: Coproriz Ntende intangarugero mu makoperative

Pg 20: Umuco w’ubutore mu Makoperative

Mu rwego rwo kwihutisha iterambere ry’Igihugu, hashingiwe ku cyerekezo 2020 n’izindi gahunda z’Igihugu nka (SDGs), nyuma ya Genocide yakorewe Abatutsi mu 1994, Guverinoma y’ubumwe bw’abanyarwanda yashyizeho gahunda y’Igihugu yo guteza imbere amakoperative kuko iyabona nk’umusingi w’iterambere rirambye. Page:4

ABAGORE BITEJE IMBERE BICIYE MURI KOPERATIVE

Page:13

Bimwe mu byagezweho n’Amakoperative

Page:12

www.rca.gov.rw

No 001Mutarama

KAMENA 2019

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AMWE MU MAKOPERATIVE akorera mu rwanda

IBIRIMOIjambo ry’ikaze 3


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Gahunda yo gukorera mu Makoperative no kwihangira imirimo

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Uruhare rw’Amakoperative mu bukungu bw’igihugu

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Dusobanukirwe n’Amakoperative yo kuzigama no kugurizanya SACCOs/COOPEC

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Bimwe mu byagezweho mu Makoperative

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Kurwanya inyerezwa n’imicungire mibi Y’umutungo mu Makoperative

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Umuco w’ubutore mu Makoperative

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Umunsi Mpuzamahanga mu Makoperative

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ICYEREKEZO (VISION):

Icyerekezo cy’Ikigo cy’Igihugu gishinzwe guteza imbere Amakoperative mu Rwanda ni iki:

“Amakoperative ni amashyirahamwe y’abikorera n’ibigo by’ubucuruzi byigenga bigamije gutanga umusanzu ugaragara wo guhindura igihugu mu rwego rw’imibereho y’abaturage n’ubukungu binyuze mu guhanga imirimo ibyara umusaruro no gutuma abantu babona ubutunzi”.

INSHINGANO (MISSION):

Inshingano y’Ikigo cy’Igihugu gishinzwe guteza imbere Amakoperative ni iyi:

“Guha ubushobozi amakoperative kugira ngo abe moteri ifasha abanyamuryango guhanga imirimo itanga umusaruro, kongera umusaruro, no kongera igishoro mu rwego rw’imibereho y’abaturage n’imari hagamijwe impinduka mu rwego rw’imibereho y’abaturage n’ubukungu”.

INTEGO NYAMUKURU (OBJECTIVE):

Intego nyamukuru y’Ikigo cy’Igihugu gishinzwe guteza imbere Amakoperative ni ugushoboza Urwego rw’Amakoperative kugira uruhare rw’ingenzi mu iterambere ry’ubukungu bw’igihugu.

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Mw’izina ry’ikigo cy’Igihugu gishinzwe guteza imbere Amakoperative mu Rwanda (RCA). Mbahaye ikaze musoma iyi nomero ya mbere y’ikinyamakuru ’’KOPERATIVE MAGAZINE’’

KOPERATIVE MAGAZINE ifite intego zo kumenyesha Abanyamuryango ba Koperative byumwihariko, abanyarwanda abaturarwanda, abafatanyabikorwa, ndetse n’abandi bose muri rusange abaturarwanda, abafatanyabikorwa muri rusange , Politiki ingenga amakoperative mu Rwanda ndetse n’amakuru ajyanye n’Amakoperative, herekanwa uburyo

Koperative ari inzira nziza ifasha kwihutisha ubukungu n’iterambere rirambye ry’Igihugu, kurwanya ubukene no kuzamura imibereho y’Abanyarwanda hashingiwe ku cyerekezo 2050, Igihugu cyiyemeje kugeraho.

Muri iki kinyamakuru KOPERATIVE MAGAZINE, kizajya gisohoka mu mezi atandatu tuzajya tubagezaho amakuru y’ibikorwa bijyanye n’iterambere ry’Amakoperative mu byiciro by’Ibikorwa bitandukanye hirya no hino mu Gihugu, tugaragaza ko koperative ari umuyoboro mugari wo kurwanya ubukene ndetse ikaba n’isoko y’ibikorwa bibyara inyungu ku banyamuryango bayo n’Igihugu.

Muri iyi numero ya mbere murasangamo kandi incamake ya Politiki igenga Amakoperative mu Rwanda yemejwe tariki ya 08/08/2018, murasangamo kandi ibikorwa byinshi byiza by’amakoperative y’itangarugero n’uko Amakoperative zafashije abanyamuryango kwikura mu bukene.

Tuboneyeho gushimira abafatanyabikorwa bacu, ubufatanye n’umurava badahwema kutugaragariza kugira ngo RCA igere ku inshingano zayo. Ibitekerezo n’Inyuganizi byanyu kugira ngo RCA irusheho kugera ku inshingano zayo, tuzakomeza kubyakirana yombi. Kubindi mwakenera kumenya kuri RCA mwasura urubuga rwacu www.rca.gov.rw mukaduha ibitekerezo byanyu.

Murakoze.

Prof. HARELIMANA Jean Bosco Umuyobozi Mukuru wa RCA

IJAMBO RY’IKAZE

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Ku wa 18/09/2007 hashyizweho Itegeko No50/2007 rigena ishyirwaho, imiterere n’imikorere y’amakoperative mu Rwanda, nk’uko ryavuguruwe kugeza ubu. Mu mwaka wa 2008 hashyizweho Ikigo cy’Igihugu gishinzwe iterambere ry’amakoperative (RCA). Ku wa 08/08/2018 Inama y’Abaminisitiri yemeje Politiki nshya yerekeye amakoperative.

Gushyiraho Politiki nshya yerekeye amakoperative mu Rwanda byatewe n’uko Amakoperative akeneye gufashwa kugira ngo agire uruhare rukomeye mu iterambere ry’ubukungu bw’igihugu hakurikijwe gahunda y’Iterambere ry’igihugu irimo Icyerekezo 2050, Ingamba z’Igihugu zigamije impinduka (NST1 2017-2024) n’izindi ngamba za ngombwa mu nzego zitandukanye. Amakoperative mu Rwanda yakoraga akurikije amategeko ya kera yemejwe mu 2007 na politiki ya kera yemejwe mu 2006.

Iyo politiki nshya yashyizweho binyuze mu biganiro byahuje abantu batandukanye barimo benshi mu bafatanyabikorwa hagamijwe gukusanya ibitekerezo byabo ku byerekeye inzego zikeneye kunozwa ziri muri politiki ya kera. Ibi biganiro byabaye

ku rwego rw’ubutegetsi bwite bwa Leta n’urw’inzego z’ibanze ndetse no mu makoperative. Niyo mpamvu hateguwe inama nyunguranabitekerezo nyinshi zitabiriwe n’abafatanyabikorwa kugira ngo ibibazo birebana n’iterambere ry’urwego rw’amakoperative bisesengurwe kandi bishyirwe mu byiciro.

Ibiganiro hamwe n’isuzuma ryimbitse ry’inyandiko byatumye hagaragazwa ibyuho bibangamira iterambere ry’amakoperative ndetse hagaragara n’ibibazo bishya bigomba kubonerwa ibisubizo muri politiki nshya, hibandwa cyane ku mpinduka. Bimwe muri ibyo bibazo byerekeye imikorere y’inzego na politiki ( nk’urugero, uburyo amakoperative ashingwa n’uburyo yandikishwa bikeneye kunozwa, imikoranire hagati y’amakoperative y’ibanze, Amahuriro y’amakoperative n ’ i m p u z a m a h u r i r o y’amakoperative hakurikijwe uko bisumbana ntisobanutse neza, kandi nta politiki isobanutse ihari yerekeye amakoperative afite ubushobozi bw’ishoramari buhanitse); ibibazo byerekeye imicungire y’amakoperative (nk’urugero, uko ibyemezo bifatwa mu makoperative ntibikorwa mu mucyo, ubushobozi ni buke mu miyoborere, mu micungire , muri

tekiniki, mu ikoranabuhanga no mu bundi bumenyi bujyanye n’ikoranabuhanga kugira ngo amakoperative acungwe neza; hari kandi n’imicungire mibi y’amakoperative); n’ibibazo byerekeye ishoramari, ubushakashatsi n’iterambere (nk’urugero, igipimo cyo hasi cy’ubushakashatsi n’iterambere mu makoperative, kwishingikiriza cyane ku nkunga y’iterambere itangwa na Leta n’abagiraneza).

Kugira ngo ibyo bibazo bibonerwe ibisubizo, iyi nyandiko ya politiki yerekeye amakoperative, igaragaza politiki zitandukanye zigamije kunoza imiyoborere y’amakoperative. Harimo kunoza inshingano za RCA nk’ikigo cya Leta gishinzwe iterambere ry’urwego rw’Amakoperative, kuvugurura imiterere y’inzego z’amakoperative kugira ngo arusheho gukora neza, no guteza imbere ibiganiro hagati ya Leta n’amakoperative.

Akoperative agizwe n’inzego enye, harimo urwego rw’Amakoperative y’ibanze akorera ku rwego rw’umurenge, amahuriro y’amakoperative akorera ku rwego rw’Akarere n’Impuzamahuriro z’amakoperative (Federasiyo) zikorera ku rwego rw’igihugu nuko hakabaho n’Urugaga rw’amakoperative ku rwego rw’igihugu rukora nk’urwego

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rukuriye Amakoperative ku rwego rw’igihugu. Nubwo iyi miterere ituma amakoperative ahagararirwa neza kandi ihanahanamakuru rikagenda neza, inenge yayo ni uko idatanga umusaruro bitewe n’ubushobozi buke mu rwego rw’imari bwo gushyigikira ibikorwa byayo, no kuba abagize amakoperative batayagira ayabo ku buryo buhagije, kuba abantu batabazwa ku buryo buhagije ibyo bakora, kuba ihuzabikorwa ridahwitse no kuba ibikorwa bimwe hari n’abandi babikora.Ivugururwa ry’amakoperative riteganyijwe ryita kuri ibyo byose hakurikijwe Ingamba z’Igihugu zigamije Impinduka n’iteganyamigambi ry’igihe kirekire rya buri rwego (Sector Strategic Plans/SSPs). Ryita kuri politiki yo kwegereza ubuyobozi abaturage, cyane cyane rigaha umwanya w’ibanze iterambere ry’abaturage aho koperative iri.

Ikindi ni uko iyi nyandiko kuri politiki yerekeye amakoperative iteganya ibyiciro bitandatu, muri byo bimwe bikaba ari bishya naho ibindi bikaba bikeneye kunozwa no guhuzwa n’igihe: kunoza uburyo amakoperative yandikwa hakoreshejwe ikoranabuhanga, gutangiza Ikoranabuhanga ry’Imicungire y’Amakuru yerekeye Amakoperative,

-Kongerera ubushobozi amakoperative no

-Gushyigikira ba rwiyemezamirimo mu rwego rw’amakoperative,

-Gutangiza no gushyira mu bikorwa gahunda yo gushyira amakoperative mu cyiciro

cyisumbuye,

-Gushyigikira kurushaho urwego rw’amakoperative, guteza imbere ubukangurambaga n’ibyo guhuzwa n’igihe, ndetse no

-Gukora ubushakashatsi buhoraho n’isuzuma ry’akamaro k’amakoperative. Icya nyuma, politiki nshya iteganya impinduka zikenewe mu guteza imbere imiterere n’inzego by’amakoperative, ariko zigakorwa mu buryo butuma habaho iterambere ry’amakoperative kandi hakaba n’ibikorwa birebana n’iyo politiki bibumbiye muri gahunda yo gushyira mu bikorwa iyo politiki. Iyi politiki iteganya impinduka zirimo izi zikurikira:

Icyerekezo gishya cy’amakoperative kigaragaramo iteganyamigambi ry’igihugu nk’uko riri mu cyerekezo gishya, inshingano nshya n’intego nshya by’iyi politiki yerekeye amakoperative;

Imiterere mishya n’imikorere mishya by’amakoperative bituma abanyamuryango b’amakoperative barushaho kuyagira ayabo, bituma amakoperative arushaho kujyana na politiki y’iterambere ry’ubukungu mu gihugu, bituma habaho kwihaza mu rwego rw’imari kandi bituma habaho impinduka mu buryo amahuriro n’ingaga by’amakoperative bikora.

Imikurire y’amakoperative n’uburyo ava mu cyiciro kimwe yimukira mu cyisumbuye biteganya ibyiciro bitatu by’amakoperative hashingiwe ku mikurire yayo no ku? gucuka ku nkunga itaziguye

itangwa na Leta n’ibindi bikorwa nko gutanga ibyemezo byo gukura no gusoza icyiciro runaka;

Kwandika amakoperative yashinzwe n’Abanyarwanda batuye mu mahanga kugira ngo bagire uruhare mu gukusanya ubushobozi bwo gushora mu gihugu;

Gutangiza Ikoranabuhanga ry’Imicungire y’Amakuru yerekeye Amakoperative (CIMS), ni ukuvuga ishingiye ku Ikoranabuhanga mu itangazabumenyi (ICT) kugira ngo habe imicungire myiza y’amakoperative yanditse;

Guhuza inkunga ihabwa urwego runaka birakenewe kugira ngo hamenyekane neza ko inkunga Leta n’abafatanyabikorwa batandukanye biha amakoperative ihuzwa neza kandi ikoreshwa neza kugira ngo igire akamaro mu gihe kirambye;

Gushyigikira ubushakashatsi n’isuzuma ku kamaro k’urwego rw’amakoperative ngo haboneke amakuru afitiye akamaro iyo politiki kandi atuma politiki yerekeye amakoperative igera ku ntego;

Gahunda y’ishyirwamubikorwa igaragaza umusaruro w’iyo politiki, ibikorwa biteganyijwe, ibipimo bya buri mahitamo ya politiki n’inshingano z’abafatanyabikorwa bose bo mu rwego rw’amakoperative.

Muri numero itaha y’ikinyamakuru KOPERATIVE MAGAZINE tuzakomeza kubagezaho ibikubiye muri iyi Politiki nshya yerekeye amakoperative mu Rwanda.

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Ibyiza byo gukorera hamwe§Gukorera hamwe muri

Koperative ni imwe mu ngamba Leta y’u Rwanda yabonye ko zishobora kuvana abaturarwanda mu bukene. Iyo abantu bibumbiye muri Koperative bahuriza hamwe imbaraga zabo: imbaraga z’ibitekerezo , imbaraga z’ibikorwa n’imbaraga z’umutungo; maze icyo umwe atari kugeraho wenyine, akakigeraho afatanyije n’abandi .

Koperative icyo ari cyo.§Koperative ni umuryango

wigenga, uhuriweho n’abantu bawugiyemo ku bushake bwabo, bagamije gushyira mu bikorwa ibyifuzo byabo no gukemura ibibazo bahuriyeho mu by’ubukungu, mu mibereho myiza no mu by’umuco, bakorera hamwe ibikorwa byunguka. Baba basangiye umutungo kandi bafite uburenganzira bungana mu micungire y’uwo mutungo.

Mu magambo make, Koperative igizwe n’abantu:ØBihangiye ibikorwa rusange

byunguka,ØBayobora umuryango wabo

mu bwisanzure no mu buringanire,

ØBatanga imigabane ingana mu mari-shingiro,

ØBakiyemeza gusangira igihombo cyangwa inyungu bivuyemo,

ØBakanashishikarira kugira uruhare mu mirimo y’uwo muryango.

Gahunda yo gukorera mu Makoperative no kwihangira imirimo

Umuco n’Indangagaciro z’amakoperative§Koperative ni umuryango

w’abantu ku giti cyabo ufite ubuzimagatozi, ugizwe n’ abantu bakora ibikorwa bigamije kubateza imbere kandi ugakurikiza amahame ariyo : gufatanya, kwiteza imbere, demokarasi, uburinganire no kugira uruhare rungana ku mutungo wayo.

§ A b a n y a m u r y a n g o b’amakoperative basabwa kurangwa n’ubupfura no kuba abanyakuri no gukorera mu mucyo (Honesty), kuvuga icyo batekereza (Openness), umuco wo kwifasha (Self-help) no kugobokana (Mutual responsibility), no kwita ku muryango mugari w’Akarere Koperative ikoreramo (Social responsibility).

Amahame remezo agenga Amakoperative1. Kwinjira no kuva muri

Koperative nta nkomyi

2. Gukorera mu mucyo na demokarasi;

3. Kugira uruhare rungana mu mizamukire y’ubukungu bwa Koperative;

4. Ubwigenge n’Ubwisanzure bwa buri Koperative;

5. Kwigisha no Guhugura abanyamuryango no kubaha amakuru;

6. Kwita k’ubufatanye hagati y’Amakoperative;

7. Kuzirikana iterambere rya rubanda aho Koperative ikorera.

Akamaro ka Koperative mu iterambere ry’ubukungu bw‘Igihugu1. Amakoperative afasha mu

kongera umusaruro haba mu bwiza ndetse mu mu bwinshi;

2. Amakoperative agira uruhare mu gushyigikira no kubungabunga ibikorwa remezo;

3. Amakoperative afite uruhare rugaragara mu kurwanya ubukene kuko atanga akazi mu buryo buziguye cyangwa butaziguye;

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4. Amakoperative afasha abanyamuryango kubona inguzanyo, bityo bagakora imishinga ibyara inyungu, bityo ubukungu bukarushaho kwiyongera;

5. Amakoperative afite uruhare mu kwegereza abaturage ikoranabuhanga;

6. Amakoperative agira uruhare mu kongera ubumenyi bw’abanyamuryango binyuze mu mahugurwa;

7. Amakoperative afite uruhare mu mibanire n’imihahirane hagati y’Igihugu n’amahanga, bityo ubukungu bukarushaho kuzamuka.....

Inyungu ku banyamuryango bakorera hamwe mu Makoperative ( benefits to members)1. Inyungu mu rwego

rw’imibereho (social benefits) zirimo gufashanya, gutanga umusanzu w’ubwisungane mu kwivuza (Mutuelle de santé), no kubana n’abandi.

2. Inyungu zo mu rwego rw’ubukungu (economic benefits) zirimo guhanga imirimo, ishoramari rusange, guhabwa ubwasisi n’inyungu ku migabane, guhabwa serivisi

z’imari, no kugira umutungo wunguka, gushishikariza abanyamuryango umuco wo kuzigama, kwigisha abanyamuryango gukora imishinga iciriritse, kubona ibikoresho byo kongera umusaruro ku buryo bworoshye: ingero: imiti,amafumbire,imbuto, ibicuba ku borozi, imbaho ku babaji; , n’ibindi.m gutanga inkam...

3. Inyungu zikomoka mu nzego bakoramo (institutional benefits) ni uguhabwa amakuru, gukorerwa ubuvugizi no guhagararirwa, kubakirwa ubushobozi, no kugera ku masoko.

Ubwoko bw’Amakoperative1. Amakoperative yo Kuzigama

no Kugurizanya (SACCO/COOPEC);

2. Amakoperative y’ubuhinzi;

3. Amakoperative y’ubworoz;

4. Amakoperative atunganya umusaruro;

5. Amakoperative y’ubucuruzi n’ay’abaguzi(Commercial and consumers)

6. Amakoperative y’ubwikorezi no gutwara abantu;

7. Amakoperative y’ubukorikori (Handcraft);

8. Amakoperative y’ubwubatsi;

9. Amakoperative atanga serivisi;

10. Amakoperative y’ubucukuzi ;

11. Amakoperative y’Ubworozi n’uburobyi bw’amafi;

Ibisabwa Koperative kugira ngo ishingwe kandi ihabwe ubuzimagatoziKugira ngo Koperative ishingwe kandi ihabwe ubuzimagatozi, isabwa kugaragaza ibi bikurikira:

1. Kuba ifite nibura abanyamuryango icumi (10).

2. Kuba Imari shingiro (ishingiye ku gikorwa) yemejwe yaratanzwe.

3. Kwandikisha Koperative ku rwego rw’Umurenge kugira ngo hasuzumwe niba abanyamuryango bariho koko, umubare wabo, niba bafite aho gukorera umushinga wabo…..

4. Kwandika Ibaruwa isaba ubuzimagatozi, inyujijwe ku Muyobozi w’Akarere,

5. Koherereza Urwego rufite Amakoperative mu nshinganzo zarwo Inyandiko (Annexes) ziherekeza iyo baruwa isaba ubuzimagatozi ari zo:

a. Amategeko shingiro ya Koperative agaragaramo cyane cyane ibi bikurikira:

1°. Izina rya Koperative rigomba kuba ritandukanye n’iry’izindi zabonye Ubuzimagatozi kandi ridaheza cyangwa ritavangura,

2°. U m u b a r e w’Abanyamuryango shingiro (abagore + abagabo)

3°. Icyicaro cyayo4°. Intego yayo n’imirimo ikora

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5°. Imbibi za Koperative6°. Imari shingiro, imigabane

ya buri munyamuryango n’agaciro kayo

7°. Inzego z’ubuyobozi bwa Koperative (Inama y’Ubuyobozi n’inama y’Ubugenzuzi);

8°. Igihe Koperative izamara;9°. Igihe fatizo

cy’imbonezamutungo wa Koperative

b. Amategeko y’umwihariko ya Koperative atanyuranyije n’Itegeko rigenga Amakoperative cyangwa Amategeko shingiro ya Koperative;

c. U r u t o n d e rw’abanyamuryango bose, imyirondoro n’imikono yabo cyangwa ibikumwe;

d. Icyemezo cy’Akarere Koperative ikoreramo;

e. Inyandiko-mvugo y’inama ya mbere ishyiraho iyo Koperative n’inzego zayo z’agateganyo;

f. Urutonde rw’abagize inama y’Ubuyobozi, umwirondoro wa buri muntu, umukono we n’icyo ashinzwe;

g. Urutonde rw’abagize inama y’ubugenzuzi, umwirondoro wa buri muntu, umukono we n’icyo ashinzwe;

h. Urutonde rw’abagize Akanama (Komite) gatanga inguzanyo no kwishyuza (SACCO), umwirondoro n’umukono wa buri muntu n’icyo ashinzwe;

i. Icyemezo cy’ubwishyu cy’amafaranga 1200 frw kugira ngo Koperative ihabwe ubuzimagatozi;

j. Kopi z’indahiro z’abayobozi ba Koperative (CA + CS);

k. Icyemezo (Bank slip) cyerekana ko imigabane yemejwe yatanzwe cyangwa ikindi cyemeza ku buryo budashidikanywaho ko

umugabane watanzwe. l. Igenamigambi rya Koperative

(Business/action plan).

Imikorere myiza iranga AmakoperativeAmakoperative akora neza arangwa n‘ibi bikurikira:

A. Kugira Igenamigami rihamye (action plan/business Plan)

1. Gutegura ibizakorwa na Koperative

2. Gutegura imari izakoreshwa 3. Guteganya igihe buri kintu

kizakorerwa n’abazagikora 4. Gusaba Inteko rusange

kwemeza iryo genamigambi.5. Gushyira iryo genamigambi

mu bikorwa nk’uko ryemejwe.

B. Kugira inzego zubatse neza kandi zikora:

1. Inteko Rusange:a. Urwego rukuru rwa

Koperativeb. Urwego rufata ibyemezo c. Urwego rutanga umurongo

ngenderwaho (Policy) 2. Inama y’ubuyobozi :

Ni urwego ruyobora Koperative kandi rugashyira mu bikorwa ibyemezo by’Inteko rusange.

3. Inama y’ubugenzuzi :Ni urwego rugenzura imiyoborere, imicungire ya Koperative n’ikoreshwa ry’umutungo wayo, rugenzura kandi uburyo amategeko, amahame n’amabwiriza ashyirwa mu bikorwa.

C. Gucunga neza umutungo wa Koperative

1. Gukoresha imari icyo yagenewe

2. Kugira umucungamutungo ubijijukiwemo/wabyigiye

3. Kwirinda kunyereza, gusahura no kwiba umutungo wa Koperative

4. Gukoresha ibitabo byabugenewe kandi bikandikwamo neza

5. Kumenyesha banyirawo uko uhagaze buri gihe.

D. Kugira ibitabo bya ngombwa aho bakorera aribyo ibi bikurikira :

1. Kopi y’itegeko rigena ishyirwaho imiterere n’imikorere y’amakoperative mu Rwanda;

2. Icyemezo cyo kwemerwa nka Koperative( Ubuzimagatozi);

3. Kopi y’amategeko nshingiro yayo hamwe n’amategeko y’umwihariko;

4. Igitabo cyanditswemo a b a n y a m u r y a n g o n’imigabane yabo;

5. Ibitabo byose by’icungamutungo

6. Kopi y’ifoto y’icungamutungo yemejwe n’abagenzuzi b’imari babifitiye ubushobozi n’uburenganzira;

7. Igitabo cyanditsemo a b a n y a m u r y a n g o n’abazungura babo.

UmwanzuroKwishyira hamwe ni imwe muri za gahunda igihugu cyihaye ngo kive mu bukene, kijye mu nzira y’iterambere rirambye. Kwishyira hamwe niyo nzira yonyine ifasha abantu kuba magirirane. Kwishyira hamwe ni umuco, ni uguhindura imitekerereze, umuntu akareka kuba nyamwigendaho yerekeza ku gukorana n’abandi, bagatizanya ingufu, bakungukira hamwe. Inyungu rusange ntizibangamira inyungu z’abantu ku giti cyabo. Muri koperative bisaba ko abantu bagira discipline, cyane cyane abayobozi, bakirinda umururumba, ahubwo bakagira umurava, ubwihangane, ubunyangamugayo no gukunda igihugu n’abagituye.

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URUHARE RW’AMAKOPERATIVE MU BUKUNGU BW’IGIHUGU (MUTARAMA 2019)

IBYICIRO BY’IMIRIMO Y’UBUKUNGU

ABANYAMURYANGOIGITERANYO IMARI SHINGIRO

AMAKOPERATIVE ABAGABO % ABAGORE %

UBUHINZI 2.515 182.888 60 121.560 40 304.448 5.012.399.548

UBWOROZI 1.692 47.404 51 45.426 49 92.830 4.079.418.423

UBUCURUZI 1.257 30.026 52 27.575 48 57.601 8.421.798.480

SERIVISI 971 24.103 64 13.822 36 37.925 2.171.064.884

TRANSPORT 563 22.631 89 2.762 11 25.393 1.857.283.500

UBUKORIKORI 1.024 14.429 46 17.166 54 31.595 1.941.045.080

TRANSFORMATION 112 4.016 59 2.819 41 31.595 748.144.000

UBUCUKUZI 132 2.136 80 527 20 6.835 654.201.100

UBUROBYI 93 3.508 77 1.074 23 2.663 162.422.000

UBWUBATSI 167 5.168 69 2.276 31 4.582 5.075.251.848

IBINDI 198 5.096 63 3.047 37 7.444 498.431.800

IGITERANYO 8.724 341.405 59 238.054 41 8.143 30.621.460.663

SACCOs 437 1.748.795 57 1.329.336 43 579.459 13.549.918.087

AMAHURIRO 148 - - - 210.116.675

IMPUZAMAHURIRO 14 - - - 59.020.000

IGITERANYO RUSANGE 9.323 2.090.200 57 1.567.390 43 3.657.590 44.440.515.425

UBUCUKUZI

UBUKORIKORI UBWOROZI

TRANSFORMATION

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Koperative yo kuzigama no kugurizanya ni Koperative y’ikigo cy’imari giciriritse kigendera ku matageko agenga amakoperative ,amategeko y’icungamari n’andi mategeko /amabwiriza ashyirwaho na Banki Nkuru y’Igihugu. Mu yandi magambo ni umuryango w’igenga ufite ubuzima gatozi ihabwa n’Ikigo cy’igihugu gishinzwe guteza imbere amakoperative ndetse n’icyemezo cya Banki Nkuru y’Igihugu (BNR) biyemerera gukora ku mu garagaro, uhuriwemo n’abantu bawugiyemo ku bushake bwabo, bagamije gushyira mu bikorwa ibyifuzo byabo no gucyemura ibibazo bahuriyeho mu by’ubukungu n’imibereho myiza.

I. Intego za Koperative yo kuzigama no kugurizanya

Koperative yo kuzigama no kugurizanya igamije guteza imbere abanyamuryango bayo ibafasha kwizigamira no kubona inguzanyo zibafasha gukemura ibibazo bahura nabyo mu mibereho ya buri munsi cyane cyane mu kubona igishoro mu mishanga ibyara inyungu.

Kugirango izo ntego zigerweho, Koperative yo kuzigama no kugurizanya igomba:

Dusobanukirwe n’Amakoperative yo kuzigama no kugurizanya (SACCO/COOPEC)

ØG u k a n g u r i r a abanyamuryango bayo akamaro ko kwizigamira

ØGuha abanyamuryango uburyo bwo kubika amafaranga yabo mu mutekano

ØGufasha abanyamuryango kubona inguzanyo n’inyungu bemeranijweho, hakurikijwe ibigenwa n’amasezerano, amategeko n’amabwiriza agenga inguzanyo byemejwe n’abanyamuryango

ØG u k a n g u r i r a abanyamuryango kwihangira imirimo ibyara inyungu.

ØKwigisha no guhugura abanyamuryango abayobozi n’abakozi bayo

ØGukorera ubuvugizi abanyamuryango

II. Gahunda y’Umurenge SACCO

Iyi ni gahunda yatangiye muri 2009, ifite intego yo kugeza serivisi z’imari ku banyarwanda cyane cyane bamwe batazibonaga aho 21% gusa aribo banyarwanda bakoranaga n’ibigo by’imari muri uwo mwaka. Ikindi yari ukwimakaza umuco wo kuzigama mu banyarwanda no kurwanya ubukene.

III. Kubera iki SACCO kuri buri

Murenge

Hirya no hino mu gihugu hari hasanzwe hari ibigo by’imari bihakorera, ariko icyagaragaye ni uko ibyo bigo abaturage bose batabyibonagamo, kuberako byasabaga ubushobozi burenze ubwabo ndetse byari bike kandi byarubatse batabigizemo uruhare. Ibyo bigo kandi hafi ya byose byakoreraga mu mijyi cyangwa muri za santeri z’ubucuruzi zikomeye aho bishobora kubona abakiriya aho bitoroheraga abaturage bose kubigeraho.

IV. IBYIZA BY’UMURENGE SACCO

Umurenge SACCO ni kigo cy’imari abanyamuryango bibonamo kuko aribyo ubwabo bayitangije bakanagira uruhare mu micungire n’igenzura ry’umutungo wayo muri demokrasi no mu bwisanzure. Nibo kandi bagena gahunda n’uburyo Koperative yabo izajya itanga inguzanyo n’ingano y’inyugu ku mafaranga yatanzweho inguzanyo.

V. Aho Imirenge SACCO iherereye

Kugeza ubu hari Imirenge SACCOs 416 bivuze ko kuri buri Murenge hari ikigo cy’imari Umurenge hakaba hari n’Imirenge SACCO 119 ifite amashami bivuzeko hari ahantu 535 abanyamuryango bu

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murenge SACCOs hirya no hino bashobora kubonera serivisi z’imari zitangwa n’Umurenge SACCOs. Ibi byorohereje abanyamuryango ba SACCOs kubona serivisi zimari hafi yabo.

VI. SERIVISI ZITANGWA N’UMURENGE SACCOS

Imirenge SACCOs yose uko ari 416 n’amashami yayo atanga serivisi zo kuzigama no kuguriza abanyamuryango bayo. Kugeza

ubu hakaba hari ubwoko butandukanye bw’inguzanyo zitangwa mu Mirenge SACCOs nk’uko zikurikira:ØInguzanyo z’ubucuruziØInguzanyo z’ubuhinziØInguzanyo za VUPØInguzanyo za ToolkitsØInguzanyo ku bureziØInguzanyo z’ubwubatsiØInguzanyo ku mushaharaØInguzanyo z’ingoboka

ØInguzanyo z’ubwikoreziØInguzanyo z’ubukorikoriØInguzanyo ku maza

zitanduakaye zubuzima (ubukwe , gushyingura…)

ØInguzanyo ku buvuzi (Mutuelle de Sante)

ØInguzanyo ku matsindaØInguzanyo kubafite ubuzima

gatozi (Amakoperative cyangwa company)

VII. Uko Umurenge SACCOs uhagaze kugeza ubu

1. ABANYAMURYANGO KUGEZA UKWAKIRA 2018INTARA ABANYAMURYANGO BIYAN-

DIKISHIJEABANYAMURYANGO BATANZE IMIGABANE

ABANYAMURYANGO BAFUNGUJE KONTI

IBURASIRAZUBA 725.555 603.194 705.184 AMAJYARUGURU 551.398 460.829 486.147 AMAJYEPFO 840.625 762.403 774.742 UBURENGERAZUBA 698.086 647.403 663.999 UMUJYI WA KIGALI 232.969 181.984 186.988 IGITERANYO 3.048.633 2.655.813 2.817.060

2. IMARI KUGEZA MU KWAKIRA 2018INTARA IMARISHINGIRO

ITEGANIJWE

IMARISHINGIRO

YATANZWE

UBWIZIGAME

IBURASIRAZUBA 5.359.606.300 3.524.149.679 17.631.584.917 AMAJYARUGURU 2.611.757.462 1.824.109.125 12.370.357.083 AMAJYEPFO 4.128.111.500 3.205.876.647 14.695.158.681 UBURENGERAZUBA 3.700.863.100 2.569.972.170 12.559.470.159 UMUJYI WA KIGALI 2.147.282.000 1.829.055.026 9.405.504.882 IGITERANYO 17.947.620.362 12.953.162.647 66.662.075.722

3. INGUZANYO ZIMAZE GUTANGWA KUGEZA UKWAKIRA 2018

INTARA INGUZANYO ZIRI HANZE INGUZANYO ZAKEREREWE IJANISHA KU BUKERERWE (NPL )

East 10.431.445.819 1.241.523.204 11,9

North 9.649.212.794 942.856.834 9,8

South 9.601.784.880 1.148.708.715 12,0

West 10.805.148.798 1.141.962.328 9,9

Kigali City 4.602.523.902 512.483.868 11,1

TOTAL 45.090.116.193 4.987.534.949 11,1

VIII. UMWANZURO

Nk’izindi Koperative zose, UMURENGE SACCO n’imwe mu nzira igamije gufasha abanyamuryango bayo mu iterambere ry’ubukungu n’imibereho myiza, igihe buri munyamuryango azaba yamaze gusobanukirwa n’akamaro , amahame , inshingano

n’uburenganzira bwe abereye umunyamuryango.Gahunda yo gukorana n’Amakoperative yo kuzigama no kugurizanya abanyamuryango bose bagomba kuyitabira kugirango babashe guteganyiriza ejo hazaza ndetse n’abafite imishinga ibyara inyungu babone aho bakura igishoro cyabafasha gushyira mu bikorwa imishinga yabo.

Ibi bikaba ari intambwe y’ingenzi igomba guterwa kugirango abanyarwanda bagere ku ntego mpinduramatwara mu by’ukungu (The National Strategy for Transformation NST1) no kugera byihuse ku iterambera rirambye (Sustainable Development Goals SDGs) Bityo bakazagera mu cyerekezo 2020 barasezereye ubukene kunburyo budasubirwaho.

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Bimwe mu byagezweho n’Amakoperative

Uruhare nyamukuru rw’amakoperative ni uko afasha abayagize kwegeranya ubushobozi bw’amafaranga n’ubundi buryo bigatuma abanyamuryango bagabanya ikiguzi cy’ibyo bakora, bagashora imari yabo neza ndetse bakabasha guhangana n’ingorane bahura nazo ku buryo buboroheye. Koperative kandi zifasha banyirazo kubona igiciro cyiza ku isoko ry’umusaruro cyangwa serevisi batanga. Koperative zikurikira ni zimwe muzagenzuwe na RCA ndetse hagakurikiranwa imikorere yazo mu Mujyi wa Kigali, bigaragara ko zitanga urugero rwiza rw’imikorere aho abayarimo bishimira ibyo bagenda bageraho ndetse n’uruhare rwayo mu iterambere ry’Igihugu ruragaragara haba mu misoro n’ishoramari.

COCTRAMAVKNi koperative y’abatwara ibintu mu modoka nini (Camion),ikorera mu Karere ka Kicukiro. Abanyamurango bavuye kuri 88 mu mwaka wa 2011 bagera kuri 97 muri 2018;

Umugabane w’abanyamuryango wariyongereye uva kubihumbi cumi (10,000frw) muri 2011 ugera kuri 2,165,363 frw muri 2018 ku munyamuryango;

Buri munyamuryango afite ikamyo ikoreshwa mu gutwara ibicuruzwa hirya no hino (eg.Burundi and Congo);

Muri 2012, koperative yari ifite ikamyo imwe. muri 2018 bafite amakamyo 7;

Agaciro k’umutungo utimukanwa wa koperative karenze miliyoni 366 habariwemo n’ikibanza cya miliyoni 102.

Ubwizigame kuri banki burenze miliyoni 170;

Koperative ifite abakozi 7 bahoraho;

Umunyamuryango ahabwa inguzanyo ya 500,000 frw nta nyungu;

Mu mwaka wa 2017, buri munyamuryango yahawe ubwasisi bwa 500,000frw;

Koperative ibasha kwishyura amafaranga arenga miliyoni 43 buri mwaka y’imisoro n’amahoro bigaragaza ku rundi ruhande uruhare rw’iyi koperative mu iterambere y’Igihugu.

NDUBA SACCOIyi ni koperative yo kubitsa no Kugurizanya; ikorera mu Karere ka Gasabo

Abanyamuryango bavuye kuri 990 mu mwaka wa 2009 bagera kuri 8,790 muri Kanama 2018;

Imirimo yatanzwe: Umubare w’abakozi wavuye kuri 1 muri 2009 ugera ku bakozi 15 bahoraho n’abandi 4 bakora ibiraka muri 2018;

Bafite ubwizigame Amafaranga agera 518,832,826 frw aya niyo yarikuri konti muri Kanama 2018;

Abahawe inguzanyo: Abanyamuryango 3,039 bahawe inguzanyo guhera 2009 kugera muri Nyakanga 2018;

Inguzanyo zose zatanzwe guhera muri 2009 kugera muri Nyakanga 2018 zirarenga miliyari 1.7 y’amafaranga y’u Rwanda;

Kwizigamira: SACCO yatangije Igiceri program aho muri buri mudugudu hatowe komite y’abantu 5 kugira ngo bakusanye ubwizigame banashishikarize abanyamuryango kwizigami-ra; (Akarere ka Gasabo kashyizeho amabwiriza y’Igiceri program;

Guhera mu mwaka wa 2014 kugera muri 2015 gusa, ubwizigame bawari bumaze kugera kuri 92 z’amafaranga y’u Rwanda;

Abana barenga 1000 biga mu mashuri abanza , bakoresha iyo gahunda y’igiceri program mu kwizigamira.

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KOPERATIVE ABADASIGANA BA KINYINYAIyi Koperative y’urubyiruko ikorera mu kar-ere ka Gasabo, ihinga imboga, igice kimwe cyoherezwa mu mahanga (France) ikindi gice zigurishwa mu Gihugu imbere;

Abanyamuryango bavuye kuri 32 muri 2017 bagera kuri 53 muri 2018;

Koperative ifite abakozi bane bahoraho kandi ikoresha ba nyakabyizi bagera kuri 200 ku munsi. Ibi bakagaragaza umubare munini w’imirimo koperative itanga.

Mu mwaka wa 2017, koperative yagemuye

mu mahanga toni 93 z’imiteja. Aka kazi gafite uruhare rukom-eye mu kongera ibyoherezwa mu mahanga n’ubukungu muri rusange. Ubukungu bw’u Rwan-

da bwiyongereye ku gipimo cya 6.7% mu gihembwe cya 2 cya 2018. Aho ubuhinzi bwakuze ku gipimo cya 6%. (Source: NISR 2018)

Koperative ADARWA

Ni Koperative y’ababaji n’abanyabukorikori bakorere mu Akarere-Gasabo – Umurenge wa Gisozi

Abanyamuryango bariyongereye bava kuri 113 mu mwaka wa 2010 bagera kuri 157 muri 2018;

Umugabane ku munyamuryango wariyongerereye uva kuri 500,000frw mu mwaka wa 2010 ugera kuri 2,500,000frw muri 2018;

Agaciro k’umutungo wa Koperative kerenze miliyari 3.9 kuri ubu;

Koperative ifite abakozi 27 bahoraho ikaba ifite n’abantu 1,902 bahawe akazi n’abandi batari koperative;

Abantu babarirwa kuri 10,000 bakorera imirimo yabo muri ADARWA;

Mu mwaka wa 2017, iyi koperative yabashije kwishyura imisoro n’amahoro birenga gato miliyoni 5 z’amafaranga y’urwanda.

Koperative ifite uruhare rufatika mu iterambere ry’Igihugu kandi nta gushidikanya ko yagize uruhare rugaragara mu kuzamura imibereho imibereho mwiza y’abanyamuryango bayo

Koperative DUHAHIRANNE

• Iyi Koperative yashinzwe n’abahoze bacururiza mu muhanda (abazunguzayi) muri 2011;

• Koperative yubatse inzu y’ubucuruzi abanyamuryango bayo bakoreramo ;

• Abanyamuryango bariyongereye bava kuri 74 muri 2011 bagera kuri 321 mu mwaka wa 2018 aho 159 ari abagore naho 162 ni abagabo;

• Umugabane ku munyamuryango wariyongereye uva kuri 50,000frw muri 2011 ugera kuri 1,200,000frw muri 2018;

• Umutungo wa Koperative ugera kuri miliyari 2.8 y’amafaranga y’u Rwanda;

• Koperative ifite amazu 4 y’ubucuruzi zifite imiryango 184 ;

• Koperative ifite abakozi 4 bahoraho;

• Urebye uko abanyamuryango b’iyi koperative bahagaze kuri ubu ukagereranya n’aho bavuye, ntawabura kwishimira

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COTAMONO Ubumwe irakataje mu iterambere

KOPERATIVE COTAMONO / UBUMWE (Cooperative de taxis Motos du Nord ) ni Koperative y’Abamotari ikorera mu karere ka Musanze, intara y’Amajyaruguru.

Iyi Koperative yatangiye gukora ari ishyirahamwe ry’abamotari mu mwaka wa 1992 ifite abanyamuryango 34 iza guhinduka Koperative mu mwaka wa 2009 aho yabonye ubuzimagatozi, ubu iyo Koperative ifite abanyamuryango 1270.

Nyuma yaho aba bamotari bishyize hamwe abagize Koperative COTAMONO batangiye ibikorwa by’ishoramari basaba inguzanyo ya miliyoni hafi 100 z’amafaranga y’u Rwanda muri Banki bagurira abanyamuryango babo Moto 300 zishyurwa buri kwezi hamwe n’imisanzu yabo ya buri munsi batagira kubaka inzu y’igorofa ubu yuzuye kandi inguzanyo yishyurwa neza muri iyi myaka itanu bamaze bishyura kuko inzu ubwayo yishura ibihumbi magana ane. Iyi koperative kuri ubu ifite ibibanza bibiri kimwe iteganya

kubakamo Hoteli ifite ibyumba birenga 30 .

Ubwo Koperative Magazine yasuraga abanyamuryango biyo Koperative bishimiye ibyo bamaze kugeraho babikesha Koperative

MARUHANYA Vincent yagize ati : ’’ Naje muri Koperative Cotamono nta Moto mfite, Koperative yaranyishingiye mfata inguzanyo ngura Moto ndakora nyishyura inguzanyo ubu mfite inzu ebyiri imwe ntuyemo n’indi y’ubucuruzi anbana banjye

bane ubu mbishyurira minerval n’umuryango wanjye ufite ubwisungane mu kwivuza’’

UZAKIRA Eric we ati : ’’ Nyinjiye muri Koperative 2008 , Moto niyo intunze niyo intungiye umuryango ubu mfite inzu ifite agaciro ka Miliyoni esheshatu ifitemo amazi n’amashanyarazi byose mbikesha COTAMONO ’’

Mugenzi we NIRAGIRE Emmanuel nawe ati : ’’Nari nsanzwe ndi Umunyonzi nta ruhushya rwo gutwara nari mfie ubu byose ndabifite mfite moto yanjye ndetse mfite inzu eshatu byose bikesha aka kazi ko gutwara abagenzi kuri moto no gukorera muri koperative ’’

COTAMONO ifite imigambi mu gihe kizaza harimo kuba bamaze kwishyura ideni rya banki, Koperative izubaka Garage izajya ifasha gukora Moto z’abanyamuryango ikazunganirwa na Hoteli izubakwa mu kibanza bafite, byose bigamje kuzamura umusaruro wa Koperative n’iterambere ry’abanyamuryango.

Ikicyaro cya Koperative COTAMONO

Bamwe mu banyamuryango ba Koperative COTAMONO

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Abagore biteje imbere binyuze muri Koperative KOTIHEZA

KOTIHEZA (Koperative turwanye inzara iwacu heza ) ni koperative igizwe ahanini n’abagore icuruza ikanatunganya imyaka y’ibinyampeke harimo ifu y’ibigori , amasaka, ingano n’imyumbati. Iyi Kopeerative ibarizwa mu Karere ka Rubavu Umurenge wa Gisenyi. Iyi koperative yatangiye gukora ifite abanyamuryango 15 ubu ikaba ifite abagera kuri 37.

Iyi koperative yatangiye kubaho mu mwaka wa 2011 ari nabwo yabonye ubuzimagatozi koperative yatangiye gukora ifite abanyamuryango 15 ubu ikaba ifite abagera kuri 37 harimwo umugabo umwe , umugabane shingiro watangiye ari amafaranga 1650 frw ubu ugeze ku ibihumbi mirongo itanu. Koperative Ubu ifite umutungo urimwo inzu eshatu (3) bakoreramo zifite agaciro ka miliyoni hafi mirongo itandatu n’imashini eshatu zisya imyaka zifite agaciro ka miliyoni hafi umunani. Iyo bakoze neza ku munsi bashobora kwijinza amafaranga ibihumbi mirongo itanu (50.000)

Ubwo twabasuraga aho bakorera batubwiye aho bavuye ibyo bamaze

kugeraho ndetse n’ibyo bifuza kugeraho mu minsi iri imbere

MUKAREMERA ZAMDA ni umubyeyi w’abana umunani, avuga ko iyi Koperative yamufashije kuvugurura inzu ye kandi ko abana be biga amashuri y’isumbuye n’abandi biga amashuri abanza bose abasha kubishyuririra amashuri abikesha amafaranga abona muri Koperative.

MUJAWIMANA Asinah ati: ’’ Kubana n’abandi byaramfashije kandi byrantinyuye , iyi koperative kubera ikibina mbamo nafashe amafaranga ibihumbi magana inani ndayisana. Ubu

nyishurira abana banjye batatu amashuri makuru n’abandi 2 amashuri y’isumbuye tutibagiwe ubwisungane mu kwivuza’’

MUKASHEMA Florence yongeraho : ’’ Sinabona icyo mvuga nicyo ndeka , njye sinabashaga kuvuga mu bantu benshi ariko ubu kubera kuba muri akoperative naratinyutse mbasha no kuyobora inama. Nabaga murugo ntakazi ngira ubu mfite icyo nkora. Ku mafaranga yanjye ubu nasanye inzu yacu kubihumbi magana atatu (300) Ibi byampesheje ishema mu muryango wanjye’’

Koperative KOTIHEZA ifite intumbero ko minsi iri imbere izubaka inzu y’ubuhunikiro ndetse izagura izindi mashini zisya 3 n’izindi mashinikugira ngo barusheho kwagura ibikorwa byabo banitez’imbere . Basoza ikiganiro twagiranye abo bagore bakorera muri KOTIHEZA barakakangurira abandi gukura amaboko mu mifuka bakibumbira mumakoperative kuko amakoperative basanze ari isoko y’iterambere.


Ikicyaro cya Koperative COTAMONOBamwe mu banyamuryango ba Koperative

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COPRORIZ (Coperative rizicole de Ntende ) ni koperative y’abahinzi b’umuceri bakorera mu karere ka Gatsibo. Iyi Koperative yatangiye gukora mu mwaka wa 2003 ubwo yakoraga nk’ishyirahamwe ry’abahinzi b’umuceri yatangiye gukora nka Koperative mu mwaka wa 2008 aho umugabane shingiro wari 25.166 uyu mwaka umugasbane ukaba ugeze kuri 116.000 amafaranga y’u Rwanda.

Batangiye bahuzagurika ariko nyuma yo guhuza imbaraga bakibumbira muri Koperative ubu ibikorwa byabo birivugira.

Coproriz Ntende Ihinga ku buso bungana na hegitari 560 ikaba ibimbiyemoabanyamuryango bagera kuri 3761. Perezida wa Koperative Bwana RUGWIZANGONGA Elysé yagize ati ’’ Kuva twibumbiye mu makoperative ubuzima bwacu bwarahindutse twavuye ku rwego rumwe turazamuka tujya kurundi, Nkuko mubibona tumaze kugera kuri byinshi , ubu koperative dufite imodoka zirindwi (7) n’imodoka zidufasha mubuhinzi no gusarura umueri, dufite inzu ebyiri zirimwo iyi hoteli iyo mitungo yose ifite agaciro ka miliyari y’amafaranga

y’u Rwanda.Dufite n’imigabane mu ruganda rutonera umuceri Abanyamuryango bacu ubu bose bishyuriwe mituweri ndetse abana bacu bose bishyurirwa amafaranga y’ishuri kugeza mu mwaka wa gatatu w’amashuri y’isumbuye. Koperative yatanze akazi kubaturage 83 , twazamuye imibereho myiza y’akarere koperative ihereyemo. Ubu koperative yacu ni intangarugero aho izindi Koperative ziva hirya no hino kutwigiraho. Koperative yacu yinjinza inyungu zirenga miliyoni 85 bityo iyo umwaka ushize abanyamuryango

COPRORIZ NTENDE intangarugero mu makoperative

SALLE POLYVALENTE

LUXURY ROOMS

RESTAURANT

LUXURY ROOMS

COOPRORIZ NTENDE INTANGARUGERO MU MAKOPERATIVE

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bagabana ubwasisi. Umwe m u b a n y a m u r y a n g o NZAMWITAKUZE Marie Louise nawe yongeyeho:’’ Coproriz idufasha mu bibazo bijyanye n’imibereho mu buzima busanzwe iyo wagize ibirori cyangwa ibyango

hari uburyo bwinshi bakugoboka niyo mpamvu nkagurira abantu bose kwitabira gahunda yo gukorera mu makoperative’’

COPRORIZ NTENDE ifite gahunda yo kwagura ibikorwa byayo

mubundi buhinzi butari umuceri ndetse n’ubworozi irateganya kandi kwagura ibikorwa remezo byayo kugira ngo ikomeze kongera umugabane shingiro w’umunyamuryango ndetse n’inyungu ibikomokaho.

INCAMAKE

• Yatangiranye abanyamuryango (560); abagabo 394 n’abagore 166, • Ubu ifite abanyamuryango (3,761), harimo abagabo 2,450 n’abagore 1,311, • Umugabane wari w’amafaranga (3,730 Frw) mu mwaka wa 2003,mu kwaka wa 2008 urazamuka ugera kuri

(25,186 Frw) ugeze kuri (116,000 Frw).• Yatangiye guhinga umuceri ku buso bungana (55 ha); ubu umuceri uhingwa kuri (600 ha)• Umusaruro ugeze kuri hegitari (5t/ha)

UBUSHAKASHATSI

KURWANYA UBURYAYI MU BUHINZI BW’UMUCERI

UBWIKOREZI/TRANSPORT

UBUHINZI BW’UMUCERI

UBWIKOREZI BW’ IMBUTO-IFUMBIRE-UMUSARURO

INAMA N’ AMAHUGURWA

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ABAHINZI bibumbiye muri Koperative UBUMWE barishimira ko ubuhinzi bw’urutoki bwahinduye ubuzima bwabo. Koperative Ubumwe ikorera mu karere ka Ngoma mu murenge wa RUKIRA mutugari dutandukanye twawo.

Iyi koperative yatangiye gukora ari ishyirahamwe mu mwaka wa 2005 ari abanyamuryango 28 baje kwibumbira muri koperative muri 2009. Nkuko twabitangarijwe na NYAKARUNDI Tresphore umwe mubatangije iyi Koperative yagize ati : ’’ Twangiye kwibumbira mu makoperative kubera ibibazo twari dufite muri icyo gihe aho ikilo cy’igitoki cyaguraga amafaranga atanu (5) ariko tumaze kwishyira hamwe igiciro cyarazamutse kigera ku mafaranga makumyabiri n’atanu (25). Nyuma twaje

kwimbumbira muri Koperative maze igiciro kirazamuka kigera ku mafaranga 125frw. Twakoze ubukangurambaga kugira ngo abacuruzi badakomeza kuduca inyuma bahenda abahinzi. Nyuama yo guhabwa amahugurwa na MINAGRI no guhabwa ubuzima gatozi na RCA twakoze urugendoshuri mu bihugu duhana imbimbi cyane KENYA dutangira gukora nk’abahinzi b’urutoki b’umwuga dukorera neza urutoki rwacu niyo mpamvu ubu ibitoki byacu harrimo ibipima ibiro birenga 130 kg.

Ubu Koperative yateye imbere abanyamuryango bageze kubikorwa bizamura imibereho yabo (Inzu nziza , imirima amasambu, kwishyurira abana ishuri mutuweri n’ibindi...)

Ubu isoko n’igiciro cy’ikilo cy’ibitoki ni koperative irigena bishingiye ku musaruro, bitandukanye na mbere aho abacuruzi aribo bagenaga igiciro bakatwunamaho’’

Ubwo twasuraga Urutoki ruhingwa na Koperative Ubumwe twasanze rusasiye neza ndetse ntabindi bihingwa birimo kugira ngo umusaruro wiyongere kubwiza no kubwinshi. Abanyamuryango bayo bateye imbere mu rwego rw’Imibereho. Nyuma yo guhugurwa na RCA ku micungire ya Koperative ubu iyi Koperative ifite abakozi babiri ( 2) bashinzwe imicungire y’umutungo umunsi ku munsi.

Kwibumbira muri koperative birumvikana ko koko byahinduye ubuzima bwabo.

Koperative y’abahinzi b’urutoki yahinduye ubuzima bw’abanyamuryango

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IMIYOBORERE n’imicungire mibi igaragara mu Makoperative bituma habaho gusesagura ndetse no kunyereza umutungo w’Amakoperative, ibyo bigakorwa n’Abayobozi b’Amakoperative n’abakozi bayo.

Ikibazo cy’imicungire mibi y’umutungo ndetse no kunyereza umutungo kigaragara mu Makoperative, gihangayikishije cyane abanyamuryango b’Amakoperative ariko cyane cyane Leta ishinzwe kubungabunga umutekano w’abantu n’ibyabo.

Kurwanya inyerezawa ry’umutungo mu Makoperative ni ikibazo cyahagurukiwe n’inzego za Leta zinyuranye harimo Ikigo cy’Igihugu gishinzwe guteza imbere Amakoperative, Ikigo cy’Igihugu gishinzwe kugenza ibyaha, Polisi y’Igihugu n’ Inzego z’ibanze.

Ikigaragara ni uko hari intambwe ikomeye yatewe mu rwego rwo gukumira Inyerezwa n’itorokana ry’umutungo w’Amakoperative, ibyo bikaba byarakozwe mu rwego rwo kurengera inyungu z’abanyamuryango.

Ku ubufatanye cyane cyane n’Urwego rw’Ubugenzacyaha (RIB) n’Urwego rw’Ubushinjacyaha (NPPA), hari amafaranga agera kuri miliyoni 420 FRW yanyerejwe mu makoperative yashoboye kugaruzwa.

Amadosiye y’abanyereje umutungo wa za SACCOs bagejejwe muri RIB ibakorera amadosiye, bashikirizwa inkiko, baraburana, baratsindwa, bategekwa gusubiza amafaranga bari banyereje. Ikigo cy’Igihugu gishinzwe guteza imbere

Kurwanya inyerezwa n’imicungire mibi y’umutungo mu Makoperative

Amakoperative cyashikirije kandi Urwego rw’Ubugenzacyaha (RIB) dosiye zigaragaramo miliyoni 205 Frw zaburiye mu makoperative y’abamotari mu gihugu hose. RIB igitangira akazi kayo, miliyoni 14.4 Frw zahise zigaruzwa kubera ko abayanyereje batinyaga ko bafatwa.

Hari miliyoni zisaga Magana abiri (200,000,000 frw) zanyerejwe muri Koperative y’ababazi b’i Rubavu n’ahandi. Abazinyereje barimo gukurikirwanwa na RIB ndetse hari n’icyizere ko ayo mafaranga azagaruzwa.

Uko gucunga nabi umutungo w’Amakoperative no kuwunyereza, byatumye habaho kuvugurura amakoperative amwe n’amwe (abamotari, abahinzi b’ibirayi, ababazi n’abandi), aho yagiye asobanurirwa ko abacunga nabi cyangwa abakinisha amafaranga ya koperative mu nyungu zabo bwite bazabiryozwa nta shiti.

Uretse kunyereza umutungo w’Amakoperative bayobora, abayobozi b’amakoperative bakunze gukora ibindi byaha binshi harimo guhishira amakuru ku bitagenda neza, gutanga raporo zitujuje ubuziranenge, gukoresha izina rya Koperative

mu nyungu z’umuntu ku giti cye, gutanga umugabae we ho ingwate, kudatumiza inama, guca abanyamuryango mo ibice n’ibindi; ibyo byose bikaba bikurikiranwa kandi bigahanwa n’amategeko.

Kubera ubufanye bw’inzego zitandukanye, abanyereza umutungo w’amakoperative bagacika cyangwa bagatoroka, bamenye ko bazagumya gukurikiranwa kugeza igihe bafatiwe kandi ko imitungo yabo izafatirwa mu rwego rwo kurengera inyungu z’abanyarwanda bakorera mu Mamakoperative.

Mu rwego rwo gukumira imicungire mibi y’amakoperative n’inyerezwa ry’imitungo yayo, Ikigo cy’Igihugu gishinzwe guteza imbere Amakoperative cyafashe ingamba zijyanye no guhugura amakoperative (coaching), kuyakurikirana no kuyakorera ubugenzuzi buhoraho (Inspection) k’ubufatanye n’inzego z’ibanze, kuyakorera ubugenzuzi bwimbitse (audit) no gushikiriza Urwego rw’Ubugenzacyaha amadosiye y’abakekwaho kuba baranyereje cyangwa baracunze nazi umutungo w’Amakoperative bayobora cyangwa babereye abakozi.

“Agapfa kaburiwe ni Impongo”.

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MU rwego rwo kwimakaza umuco mwiza w’ubutore ku bayobozi b’amakoperative hagamijwe kongera Indangagaciro na kirazira z’umuco nyarwanda , ku bufatanye na Komisiyo y’Igihugu y’Itorero (NIC) mu ntego yayo igira iti ‘’kubaka Umunyarwanda ukunda Igihugu, ukunda umurimo, ufite indangagaciro na kirazira z’umuco nyarwanda kandi ufite umuco w’ubutore», Minisiteri y’Ubucuruzi n’Inganda , Ikigo cy’Igihugu gishinzwe Guteza Imbere Amakoperative (RCA) n’abandi bafatanyabikorwa, bateguye Itorero ry’Abayobozi b’Amakoperative kuva ku ya 10 kugeza ku ya 21 Weruwe 2017, i Nkumba mu Kigo gitorezwamo umuco w’Ubutore kiri mu Karere ka Burera Intara y’Amajyarugu.

Iri torero ryari rifite insanganyamatsiko igira

Umuco w’ubutore

iti: “Imiyoborere myiza mu makoperative iteza imbere ishoramari rirambye kandi ryunguka” Itorero ryitabiriwe n’abatozwa 482 barimo Abagore 84 n’Abagabo 398 baturutse mu Gihugu hose mu byiciro bitandukanye harimo Abayobozi n’Abakozi bakuru b’Amakoperative, Abakozi ku Karere bafite iterambere ry’Amakoperative mu nshingano, n’abayobozi muri za Federasiyo za Koperative.

Aba bitabiriye iri torero, batojwe kwimakaza indangagaciro na kirazira z’umuco nyarwanda mu nshingano zabo nk’abayobozi b’amakoperative. Itorero ry’Abayobozi b’amakoperative INDEMYABUKUNGU ryari rigamije kandi guhuriza hamwe aba bayobozi b’amakoperative kugira ngo rigere ku intego z’umwihariko zifuzwa arizo , kugira Itorero ry’Abayobozi

b’Amakoperative barangwa n’umuco w’Ubutore ugaragarira mu myumvire, mu myitwarire, mu mitekerereze no mu mikorere; kubaka mu Bayobozi b’Amakoperative umuco wo kwanga ikibi no gukunda icyiza mu byo bakora, kubaka amakoperative afite umwimerere nyarwanda ; kubaka mu Itorero ry’Abayobozi b’Amakoperative ishyaka ryo gukunda u Rwanda n’Abanyarwanda; Gutsura imikoranire myiza n’abandi bafatanyabikorwa (Leta, abaturage, abikorera, abaterankunga n’abandi bafatanyabikorwa mu iterambere).

Muri icyo gihe cy’ibyumeru bibiri itorero ryamaze, Intore zatojwe hakoreshejwe uburyo butandukanye bw’imitoreze, harimwo Ibiganiro, akarasisi, imyitozo ngororamubiri, kwiyereka gakondo, imikoro-

Abatoza b’Intore

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ngiro, Gutarama no guhiga.

Umusaruro wari witezwe muri iryo Itorero I N D E M Y A B U K U N G U harimo ko Indangagaciro na kirazira z’umuco nyarwanda zimakazwa mu makoperative, Umuco w’ubutore ko ugomba gusakazwa mu banyamuryango b’amakoperative binyuze mu bayobozi babo, Impinduramatwara ko zigomba kugaragara mu mikorere, imiyoborere, imicungire n’imikoranire mu makoperative, Abayobozi b’Amakoperative ko bagomba kugira uruhare mu ruhererekane nyongeragaciro ku bikorerwa iwacu Amakopertive ko agira uruhare mu kongera no gutunganya umusaruro

hagamijwe guhaza isoko ry’imbere mu Gihugu no gusagurira amasoko yo hanze, amakoperative agomba kugira uruhare mu guteza imbere umuco wo gukunda umurimo, kuwunoza no kuwuhesha

agaciro, Amakoperative ko agomba kugira umuco wo kwizigamira no kwigira, kumenyana kw’inzego zitandukanye z’amakoperative no gukorana mu mucyo hagamijwe iterambere rusange, guhiga no kwesa imihigo.

Itorero ryahize kandi ryemerera imbere y’Abatoza bakuru kuzesa Imihigo cumi n’enye ibumbuye mu ngingo enye biyemeje harimo gufatanya n’ubuyobozi bw’ibanze aho bakorera gutoza abandi bayobozi b’amakoperative n’abanyamuryango, ugira uruhare mu mpinduramatwara mu miyoborere n’imicungire y’amakoperative, kugira uruhare mu guteza imbere ishoramari no kongera umusaruro mu bwinshi no mu bwiza. Itorero ryashojwe hakorwa umuhango wo kwinjiza Intore mu zindi, kuziha izina ndetse n’Icyivugo cy’Umutwe w’intore. Intore zahawe izina INDEMYABUKUNGU n’Icyivugo cy’Intore kigira kiti :

“Ndi Indemyabukungu mu Nkomezamihigo;

Ndi Ingabonziza mu Rungano;

Urungano rusizanira ubukire bushingiye bushingiye ku by’iwacu;

Nkaba ku isonga mu kubaka u Rwanda rushya n’iterambere rya Afurika”

mu Makoperative

Umwe mu Abayobozi b’isibo

Abavuzi b’amacumu/Umuhango wo kwinjiza intore muzindiUmutoza w’Intore:

MUSERUKA RWIGAMBA Ivan

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Umunsi mpuzamahanga w’Amakoperative 2018

Umuyobozi Mukuru wa RCA ageza ijambo ku bitabiriye uwo muhango

Intangiriro:

Umunsi mpuzamahanga w ’ A m a k o p e r a t i v e (International Cooperative Day) wizihijwe ku ncuro ya mbere muri 1923. Ni ukuvuga ko mu mwaka ushize wa 2018, uwo munsi wijihijwe ku ncuro ya 95.

Muri 1994, Umuryango w’Abibumbye wagaragaje ko ushyigikiye iyizihizwa ry’uyu munsi, hanemezwa ko koko Amakoperative agira uruhare rukomeye mu bukungu, imibereho myiza n’iterambere ry’umuco w’abantu.

Uyu munsi watangiwe kwizihizwa nk’Umunsi Mpuzamahanga w’Umuryango w’Abibumbye muri 1995, aho waje gusaba za Leta z’Ibihugu biwugize gufatanya n’Umuryango y’Amakoperative yo mu bihugu byayo gufatanya kwizihiza uwo munsi Mpuzamahanga. Ni ukuvuga ko muri mwaka ushize wa 2018, ibihugu byawizihije ku nshuro ya 23 ku rwego rw’Umuryango

w’Abibumbye.

Mu Gihugu cyacu cy’u Rwanda, uyu munsi mpuzamahanga w’Amakoperative watangiye kwizihizwa muri 2005.. ni ukuvuga ko mu mwaka wa 2018 u Rwanda rwawizihije ku nshuro ya 14.

Iyizihizwa ry’umunsi Mpuzamahanga w’Amakoperative mu Gihugu cyacu cy’u Rwanda mu

mwaka wa 2018.

§Ubusanzwe Umunsi mpu-zamahanga w’Amakoper-ative wizihizwa ku rwego mpuzamahanga buri mwaka ku munsi wa gatandatu wa mbere w’ukwezi kwa Nyakan-ga (First Saturday of July).

§Mu Rwanda ariko kubera im-pamvu nyinshi zitandukanye, uwo munsi wizihijwe ku ncu-ro yawo ya 14, ku itariki ya 14/7/2018, ibirori bibera mu Murenge wa Mudende, Akar-ere ka Rubavu, Intara y’Ibu-rengerazuba.

§ Insanganyamatsiko y’uwo munsi ni: “Umusaruro uhagi-

je ndetse n’indyo yuzuye kan-di ya buri gihe”.

Kuri uwo munsi, abayobozi batandukanye b’Igihugu bab-oneyeho umwanya mwiza wo kongera gushishikariza aban-yarwanda gukorera hamwe mu Makoperative, gukome-za guharanira ko Amakop-erative yabo acungwa neza, atanga umusaruro mwiza kandi mwinshi nk’uko insan-ganya-matsiko ibivuga. Muri urwo rwego kandi, amako-perative yasabwe kujya ako-rera ku mihigo no kurangwa n’umuco wo kwizigamira kugira ngo arusheho kwiteza imbere kandi abashe gushora imari itubutse mu bindi bin-tu, bityo ubukungu bw’igihu-gu bukiyongera.

Amateka magufi y’amakoperative mu Rwanda

§Mu rwego rwo kwihuti-sha iterambere ry’Igihugu, hashingiwe ku cyerekezo 2050 n’izindi gahunda z’Igihugu nka SDGs, nyuma ya Geno-cide yakorewe Abatutsi mu

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INSANGANYAMATSIKO Z’UMUNSI MPUZAMAHANGA ZAZIRIKANWEHO MU RWANDA (2005-2018)

IGIHE INSANGANYAMATSIKO ZAZIRIKANWEHO (2005-2018)

2005 Amakoperative yo kuzigama no kugurizanya ni inshingano zacu! Dufatanye kwivana mu bukene

2006 Amakoperative ni imwe mu nzira yo kubaka amahoro

2007 Amahame n’imico biranga Amakoperative biteza imbere imibanire magirirane y’abantu

2008 Amakoperative agira uruhare mu kurwanya imihindagurikire y’ikirere

2009 Amakoperative afasha abagore kwiteza imbere

2010 Kuzamura imibereho y’abantu binyuze mu makoperative

2011 Urubyiruko, amizero y’ishoramari mu makoperative

2012 Ishoramari mu makoperative, isi y’agahebuzo !

2013 Koperative zigumana ingufu no mu bihe bibi by’ubukungu

2014 Koperative zigeza iterambere rirambye kuri bose

2015 Hitamo Koperative, uce ukubiri n’ubusumbane

2016 Ingufu zo gukorera ejo hazaza harambye

2017 Dukorere hamwe mu Makoperative ntawusigaye inyuma,duteza imbere iby’iwacu,dushyigikira imiyoborere myiza

2018 Umusaruro uhagije mu Makoperative ndetse n’indyo yuzuye kandi ya buri gihe.

1994, Guverinoma y’ubumwe bw’abanyarwanda yashyize-ho gahunda y’Igihugu yo gu-teza imbere amakoperative kuko iyabona nk’umusingi w’iterambere rirambye.

§Ku wa 18/09/2007 hashy-izweho Itegeko N°50/2007 rigena ishyirwaho, imiterere n’imikorere y’amakoperative mu Rwanda, nk’uko ryavugu-ruwe kugeza ubu. Mu mwaka wa 2008 hashyizweho Ikigo cy’Igihugu gishinzwe iteram-bere ry’amakoperative (RCA).

§ Amakoperative abarizwa mu byiciro bitandukanye by’imirimo harimo ubuhinzi n’ubworozi; gutwara abantu n’ibintu; ubucukuzi bw’am-abuye y’agaciro; ubukorikori; kwizigama no kugurizanya (SACCOs), ubwubatsi n’izin-di serivisi, yaravutse.

§ Amakoperative yose kugeza mu mpera za 2018, yari ibi-humbi icyenda na mirongo ine n’atandatu (9.046) abariz-wa mu byiciro bitandukanye

by’ubukungu kandi afite abanyamuryango barenga miliyoni enye.

§Bimwe mu bimaze kugerwa-ho mu makoperative ni ibi bikurikira:

§ Amakoperative afite uruhare runini mu kuzamura ishora-mari, aho afite imari shingiro ingana na 45,254,210,454 frw;

§Umugabane nshingiro muri SACCOs yari ingana na 15,264,770473 frw mu kwezi kwa Cyenda 2018.

§Ubwizigame bwo bwari hafi miliyari 64 z’amafaranga y’u Rwanda;

§ Amakoperative afite uru-hare rugaragara mu guhanga imirimo ku banyamuryango bayo no gutanga akazi ku ba-fatanyabikorwa bayo;

§ Amakoperative afasha mu kwizigamira no gukorana n’Ibigo by’imari;

§ Amakoperative afasha kandi

mu kwigisha abanyarwanda gukorera hamwe.

N’ubwo bigaragara ko umubare w’Amakoperative wiyongereye, kandi ko Amakoperative akora neza kandi afite uruhare rukomeye mu kurwanya ubukene mu banyamuryango bayo ndetse no mu Gihugu muri rusange, cyane muri gahunda yo guteza imbere ibikorerwa iwacu ( Made in Rwanda), umubare munini w’abanyarwanda nturamenya ibyiza by’Amakoperative, ibi bigatuma abayitabira batagera ku umusaruro wifuzwa ndetse na bamwe muri bo bakaba batari bayagira ayabo koko.Hakenewe rero ubukangurambaga mu Gihugu binyuze mu bikorwa ndetse n’ibiganiro biganisha ku micungire n’imiyoborere myiza no mu gushishikariza abanyarwanda kwitabira gahunda ya Leta yo gukorera hamwe binyuze mu makoperative, byose bigamije iterambere ryihuse kandi rirambye.

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Rwanda Cooperative Agency (RCA) P.O. Box : 6249 KigaliWebsite : www.rca.gov.rwEmail : [email protected]:@RCARwanda Facebook: Rwanda Cooperative AgencyFlickr: Rwanda Cooperative AgencyYoutube: Rwanda Cooperative AgencyWEMIS: Web Enabled Cooperative Management Information System RCA Toll Free : 4163

Documents

Politiki y’Amakoperative mu Rwanda · NO: 001 Koperative MagazineMutarama-Kamena 2019 Politiki y’Amakoperative mu Rwanda. AMAKURU. Pg 6: Gahunda yo gukorera mu Makoperative no