Mwalimu SACCO yatanze umucyo ku bifuza inguzanyo ya Giriwawe

 


Bimwe mu bibazo by'inguzanyo zitandukanye abarimu benshi bakunze kwibaza harimo n'inguzanyo ya Giriwawe.Mu butumwa bugufi umwalimu SACCO yasubije uwari uyibajije ikibazo kuri iyi nguzanyo ku rukuta rwayo rwa x yatanze umucyo kubyo abenshi bakunze kwibaza cyane cyane abadafite amakuru ahagije kuri iyi nguzanyo.Mu Rwanda, ikibazo cy’amacumbi meza kandi ahendutse ni kimwe mu bibazo bikigaragara mu buzima bwa buri munsi bw’abaturage, cyane cyane abakozi ba Leta n’abikorera binjiza umushahara uri hasi. Kugira ngo iki kibazo kigabanuke, Leta y’u Rwanda ibinyujije mu bufatanye bwa Umwalimu SACCO, Ikigo cy’Iterambere mu Rwanda (BRD) n’Ikigo cy’Igihugu gishinzwe amacumbi (RHA), yatangije gahunda yitwa Gira Iwawe. Iyi gahunda ni uburyo bw’inguzanyo igenewe gufasha abaturage kuzuza inzozi zabo zo gutunga inzu zabo bwite.

1. Intego nyamukuru ya Gira Iwawe.

Gira Iwawe igamije korohereza abantu bafite ubushobozi buringaniye kubona amacumbi meza, arambye kandi yujuje ubuziranenge. Inyungu yayo si ugutunga inzu gusa, ahubwo ni uguteza imbere imibereho myiza y’umuryango, kongera umutungo w’urugo, ndetse no kurinda abaturage igihombo cy’ubukode buhoraho.

2. Abemerewe gusaba inguzanyo ya Gira Iwawe

Inguzanyo ya Gira Iwawe igenewe cyane cyane:

Abarimu bo mu mashuri abanza n’ayisumbuye, cyane cyane abo mu bigo bya Leta.Abakozi ba Leta n’abandi bakorera inzego zifitanye isano n’uburezi.

Abandi banyamuryango ba Umwalimu SACCO bujuje ibisabwa.Umuntu wese ushaka iyi nguzanyo agomba kuba ari umunyamuryango wa Umwalimu SACCO, agafite konti irimo ibikorwa bifatika, ndetse n’umushahara we ukajya unyuzwa kuri iyo SACCO.

3. Inyungu Gira Iwawe itanga ku banyamuryango

Gutunga inzu yawe ku giciro gito: Inyungu kuri iyi nguzanyo ni nto ugereranyije n’izindi nguzanyo zisanzwe.

Inyungu zishingiye ku bushobozi:

11% ku mwaka ku barimu bafite inguzanyo iri munsi ya Miliyoni 10 Frw.14% ku mwaka ku bandi banyamuryango cyangwa ku nguzanyo zirengeje miliyoni 10.Kwishyura mu gihe kirekire: Inguzanyo yishyurwa mu gihe cy’imyaka 12.Inguzanyo ntigomba kurenza 50% y’umushahara winjiza buri kwezi, bityo ntiguhungabanya imibereho yawe.Kwishyura bigenda neza kuko umushahara unyuzwa muri SACCO.

4. Ibisabwa kugira ngo usabe inguzanyo

Umuntu ushaka gusaba inguzanyo ya Gira Iwawe agomba kuba yujuje ibisabwa bikurikira:

a) Ibyangombwa by’ibanze

Kuba warishyuye Frw 40,000 y’umusanzu (share capital) muri SACCO.Kuba umunyamuryango wa Umwalimu SACCO wamaze byibuze ukwezi kumwe.Kuba umushahara wawe unyuzwa muri SACCO.Kuba urugo rwawe rwinjiza hagati ya Frw 1,200,000 na 1,500,000 ku kwezi.

Kuba umaze kuzigama 5% y’inguzanyo wasabye nk’ubwizigame buhoraho.

b) Inyandiko zikenewe

Indangamuntu yawe n’iy’uwo mwashakanye (niba ubishaka nk’umuryango).

Amasezerano y’akazi cyangwa icyemezo cy’umushahara.Amasezerano y’ubutaka cyangwa amazu agomba kuba ari ingwate yemewe (125% y’agaciro k’inguzanyo).Amafoto y’inzu (impande 4, A4 size).Icyemezo cy’ubutaka cyangwa icyemezo kigaragaza ko nta kindi kigo gifite uburenganzira kuri iyo nzu.Umushinga w’inyubako, urimo igiciro, fondasiyo n’imitunganyirize y’ubutaka (kubaka cyangwa kugura).

5. Uko wasaba inguzanyo ya Gira Iwawe.

Intambwe ya 1: Kwiyandikisha kuri Gira Iwawe

Jya ku rubuga https://giriwawe.brd.rw, ushyiremo amakuru yawe y’ibanze, uhitamo ubwoko bw’inguzanyo wifuza, hanyuma utegereze ubutumwa buguhamiriza ko wakiriwe.

Intambwe ya 2: Gusaba inguzanyo

Nyuma yo kwemererwa, ushyikiriza SACCO yawe impapuro zose zikenewe harimo izo twavuze haruguru.

Intambwe ya 3: Isuzuma n’iyemezwa

Rwanda Housing Authority (RHA) isuzuma ubusabe bwawe ishingiye ku makuru yatanzwe kuri Gira Iwawe, ikareba niba koko wuzuza ibisabwa. Iyo usabwe gutanga ibisobanuro birenzeho, ubikora mu gihe cyagenwe.

Intambwe ya 4: Gushyikirizwa amafaranga

Iyo ubusabe bwawe bwemejwe, amafaranga y’inguzanyo ahita yoherezwa kuri konti y’ugurisha inzu cyangwa ku mushinga wemewe, ntabwo uyahabwa mu ntoki. Ibi bigamije kwirinda ukoresha amafaranga mu bindi.

6. Ibibazo abantu bibaza kenshi (FAQs)

Ese inguzanyo nshobora kuyisaba nubwo naba ntari umwarimu?

Yego, igihe cyose uri umunyamuryango wa Umwalimu SACCO kandi winjiza umushahara unyuzwa kuri SACCO, ushobora gusaba.

Ese inguzanyo ishobora gukoreshwa mu gusana inzu?

Yego, inguzanyo ya Gira Iwawe ikoreshwa mu kugura, kubaka cyangwa gusana inzu.

Ese ingwate igomba kuba ari inzu gusa?

Oya, ishobora no kuba ari ikibanza gifite fondasiyo cyangwa indi mitungo yemewe n’amategeko.Ese ni ngombwa ko umugore cyangwa umugabo twese tuba twasinye?

Nibyiza cyane ku bashakanye, kuko umutungo uba rusange.

7.Umwanzuro: Impamvu iyi gahunda ari ingenzi.

Gira Iwawe si inguzanyo isanzwe; ni gahunda ifite intego yo guteza imbere ubuzima bw’Abanyarwanda binyuze mu gutunga inzu zabo. Iyi gahunda irengera abaturage mu buryo bw’igihe kirekire, ikabafasha kwikura mu bukode no kongera umutungo.

Bityo, niba uri umunyamuryango wa Umwalimu SACCO cyangwa uri mu nzira yo kuwubamo, ntuzacikwe n’amahirwe ya Gira Iwawe. Tangira urugendo rwo gutunga inzu yawe bwite uyu munsi!

Gira ejo hazaza hawe heza, tangira na Gira Iwawe!

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