imihigo 2016-2017

RAPORO YA MANDA MU ISHORA MALI NO GUTEZA IMBERE UMURIMO MU 2011-2015

RAPORO Y’IBIKORWA BY’INGENZI BYAKOZWE MURI MANDAT Y’IMYAKA ITANU  2011-2015

 

ITANGIRIRO

 

Isi yose, ibihugu byose byaba ibyateye imbere n’ibitaraterimbere; ibiri munsi y’umurongo w’ubukene n’ibifite ubukungu buciriritse byose intero n’imwe iterambere.

kamere muntu, n‘umuntu wese umaze guca akenge yifuza kandi aba aharanira gutera imbere urwego yaba agezeho rwose  yaba yarize cyangwa atarize, umuhinzi, umucuruzi, umunyabukorikori, umunyenganda n’ibandi mu mitekerereze yabo baba bifuza itera mbere muri byose.

Hari ibihugu n’abaturage bamwe byagaragye ko bo bamaze gutera intambwe ishimishije mu kwivana m’ubukene no kwihaza mu by’ibanze umuntu akenera mu mibereho ya buri munsi (Les besoins Primaires) aha twavuga kwihaza mu biribwa, kugira aho kuba, kwambara n’ibindi. Ariko hakaba hari n’ibindi byinshi(ibihugu) bikigaragaza ko inzira ikiri ndende yo gukemura ibibazo byibanze umuntu akenera buri munsi. 

U Rwanda kimwe n’ibindi bihugu bikiri munzira y’amajyambere bifite inshingano yo gufasha abaturage kuzamura umusaruro, ni muri urwo rwego icyerekezo 2020 u Rwanda rwihaye gikubiyemo ibitekerezo n’umugambi n’ingamba zituma ubukungu buhinduka ku buryo igihugu cyacyu kigomba kubarirwa mu bihugu bifite umutungo uciriritse aho uyu mugambi uteganya ko umusaruro rusange ku muturage ugomba kugera ku madorari y’abanyamerika angana na 900$ mu mwaka wa 2020 uvuye ku madorari 220 mu mwaka wa 2000. Nkuko vision 2020 ibivuga bizagerwaho aruko ubukungu bwacu busanzwe bushingiye ku buhinzi buhinduwemo ubushingiye ku bumenyi bushigikiwe n’izigama n’ishoramari ry’abikorera, kugira umuco wo gukorera hamwe bityo ibi bikazatuma imfashanyo z’amahanga zigabanuka.

Kugirango ibi bizagerweho hari ingamba nyinshi zigomba gushyirwa mu bikorwa  harimo:

1)    Guhindura ubuhinzi bukaba urwego rugamije inyongeragaciro kandi rugamije isoko;

2)   Gutezimbere urwego rw’abikorera rurangwa n’ipiganwa n’umuco wo kwihangira imirimo;

3)   Kubaka ubukungu bushingiye ku bantu bafite ubushobozi n’ubumenyi.

 

 

Akarere ka Nyaruguru kagizwe n’Imirenge 14, Utugari 72 n’Imidugudu 332 na Zone 1,660, kakaba gatuwe n’abaturage 286 737 ku buso bwa km1010.

Ubukungu bw’Akarere bushingiye cyane cyane ku buhinzi n’ubwozi bwihariye ikigero cya 88%. Ubuhinzi n’ubworozi bwaravuguruwe kuva 2007, abaturage bava mu bworozi n’ubuhinzi bya gakondo bikorwa kijyambere. Mu rwego rwo gushyira mu bikorwa icyerekezo 2020  na politike y’ishoramari           Akarere kashyize imbaraga mu gukangurira abaturage gukora ishoramari rifatanyije hamijwe kongera umusaruro no gutezimbere uruhererekane nyongeragaciro ku bihingwa byera mu karere.  Iyi raporo ikubiyemo ibikorwa by’ingenzi byagezweho muri mandat y’imyaka itanu guhera muri 2011-2015 mu nkingi zikurikira:

-      Amakoperative, ubucuruzi, ubukerarugendo n’ishoramari.

 

I.             GUTEZIMBERE UBUCURUZI,AMAKOPERATIVE N’UBUKERARUGENDO

I.1 AMASOKO:

Igihe cyose abantu,  ibihugu byahoze bihahirana, byaba ibihugu bituranye cyangwa ibiri kure. Ntabwo wavuga ubucuruzi utavuze ibikorwa remezo kuko biri mu bituma ubucuruzi butera imbere cyangwa bukadindira. Akarere ka Nyaruguru muri iyi manda kihatiye cyane kongera amasoko y’ubucuruzi ni muri urwo rwego hubatswe amasoko ya: Rugalika, Ruramba, Ruheru, isoko ry’amatungo rya Cyahinda, Ndago, Gatunda n’isoko rya Viro ryavuguruwe ndetse rirongerwa.

Ibi byatumye abacuruzi bakorera ahantu hagutse bituma bava mu mikorere y’akajagali, bityo Akarere kazamura imisoro yinjira, kongera amasoko y’ubucuruzi byagize ingaruka nziza kuko hari n’utundi dusoko tugenda tuvuka hirya no hino mu mirenge igize Akarere twavuga nka:harimo: Rusuzumiro, Rugerero (Kivu), kibeho, Gisizi, Nyarure, Munini(Munini) Rugogwe, Nyarugano(Ruramba), Nyanza (Ngera), Kiyonza, Mutakwa (Ngoma), Cyahinda, Coko, Rutabo(Cyahinda), Ryabidandi, Birambo (Nyagisozi) Rwamiko, Murambi, Gorwe (Mata) Remera,Gisanze,Gitita, Remera, Mukato(Ruheru), Gambiriro, Mukongoro(Muganza)

 

 

 

 

 

 

 

 

 

 

AKARERE KA NYARUGURU

IMBONERAHAMWE IGARAGAZA UMUBARE W'ABACURUZI 2011-2015

UMURENGE

 2011-2012

2013-2014

2014-2015

ABIYONGEREYE

IJANISHA

BUSANZE

                    340

                         310

                          264

                                  (46)

-17.4

CYAHINDA

                    241

                         206

                          343

                                  137

39.9

KIBEHO

                    197

                         173

                          220

                                    47

21.4

KIVU

                    185

                         220

                          186

                                  (34)

-18.3

MATA

                    113

                         103

                          115

                                    12

10.4

MUGANZA

                    142

                         137

                          184

                                    47

25.5

MUNINI

                       58

                           90

                            74

                                  (16)

-21.6

NGERA

                    105

                           90

                            99

                                      9

9.1

NGOMA

                    123

                         108

                          163

                                    55

33.7

NYABIMATA

                    119

                         102

                          102

                                     -  

0.0

NYAGISOZI

                    113

                           77

                          155

                                    78

50.3

RUHERU

                    113

                         167

                          229

                                    62

27.1

RURAMBA

                    143

                         129

                          160

                                    31

19.4

RUSENGE

                    103

                         117

                          122

                                      5

4.1

TOTAL

                 2,095

  2,029           

      2,416        

    387                   

16.0

NKuko iyi mbonerahamwe zibigaragaza uko umwaka utashye hari impinduka ziba m’ubucuruzi bitewe n’impamvu zitandukanye: harimo kwimuka, guhomba, guhindura umwuga n’ibindi. Ni muri urwo rwego abacuruzi ku rwego rw’Akarere biyongereye muri uyu mwaka wa 2014-2015 Ni kuvuga bavuye ku bacuruzi 2,095 muri 2011 ubu muri uyu mwaka  wa 2014-2015 bangana n’i 2,416 bingana na 16%; Nubwo iyi % y’umuvuduko w’abacuruzi biyongera atari ndende nk’uko bikwiye, ariko ntawatinya kuvuga ko hari ikizere ko abacuruzi baciriritse bagenda biyongera nubwo imirenge imwe n’imwe bagabanutse twavuga nka Busanze bagabanutse ku kigereranyo cya  17.4%, Kivu bagabanuka ku kigereranyo cya 18.4% Munini bagabanuka ku kigereranyo cya 21.1%. Imirenge ikurikira niyo igaragaza ko yongereye abacuruzi benshi ugereranyije n’iyindi:

-      Nyagisozi hiyongereya abangana : 50.3%;

-      Cyahinda hiyongereye abangana na 39.9%;

-      Ngoma hiyongereye : 33.7%;

-      Ruheru yongereye abangana na 27,1%;

-      Muganza hiyongereye abangana na: 25,5%;

-      Kibeho hiyongereye 21,4%;

-      Ruramba hiyongereye 19,4%.

-      Rusenge hiyongereye abangana na: 4.1%.

Imibare igaragaza ko Nyabimata umwaka wa 2013-2014 abacuruzi bagabanutse ugereranyije n’umwaka wa 2011-2012. Umwaka wa 2014-2015 ntabwo ntabwo biyongereye ahubwo bakomeje kuba 102.

 

 



 

 

I.2 GUTEZIMBERE UBUCURUZI BWAMBUKIRANYA IMIPAKA

Mu rwego rwo gutezimbere ubucuruzi bwambukiranya imipaka ubu hubatswe Cross-Border Trade Complex ku mupaka uhuza u Rwanda n’igihugu cy’u Burundi. Iyi nyubako izafasha abacuruzi, amabanki, abashoramali bato n’abaciriritse kubona ahantu hagutse ho gukorera;

 

iyi ni  cross-border trade complex yubatswe ku kanyaru( Umupaka uhuza u Rwanda n’igihugu cy’u Burundi);

Ibikorwa remezo byajyanye no gufasha abacuruzi kongera ubumenyi abacuruzi n’inzego za PSF zakoze ingendo shuri hagamijwe gusangira n’abandi bacuruzi ubunararibonye mu mikorere;ibi twabijyanishije no kubakangurira kubahiriza itegeko no: 15/2001 ryo kuwa 28/01/2001 rihindura kandi ryuzuza itegeko no 35/91 ryo kuwa 05 kanama 1991 ritunganya ubucuruzi bw’imbere mu gihugu no kubahiriza amabwiriza ya Minisiteri y’Ubucuruzi n’Inganda no 01/2008 yo kuwa 17/05/ 2008 agenga ubucuruzi bw’imbere mu gihugu aho asaba abacuruzi  ko bagomba kubahiriza ibipimo by’ubuziranenge bakoresha iminzani yemewe, kumanika ibiciro, gutanga inyemezabuguzi igihe bagurishije ibintu ku bakiriya babo n’ibindi.

Gutezimbere abanyamuryango b’amakoperative yambukiranya imipaka:

Mu rwego rwo gutezimbire ubucuruzi bwambukiranya imipaka hashimangirwa gahunda yo guca ubucuruzi bw’akajagari na magendu, imbaraga zashyizwe mu gushishikariza abacuruzi bato kwibumbira mu makoperative.

Ni muri urwo rwego ubu  abanyamuryango n’abagize inama y’ubuyobozi n’ubugenzuzi bahuguwe ku itegeko rigenga amakoperative amahame agenga amakoperative, itegeko rigenga imisoro, icungamutungo.

Muri izi koperative 2 zigizwe n’abagore benshi ku bufatanye na BDF batewe inkunga ingana na miriyoni 10,000,000frws.

 

I.3 KUVUGURURA CENTRES Z’UBUCURUZI

 

Mu rwego rwo gutezimbere ubucuruzi Akarere kashyize ingufu muri gahunda yo gushishikariza abaturage n’abacuruzi mu buryo bw’umwihariko kuvugurura amazu bacururizamo, hagamijwe gutunganya uburyo bwo kwakira abagana izi centres ikindi cyari kigamijwe ni gufasha abaturage kubaka inyubako zijyanye n’igihe kandi zifata amazi. Ni muri urwo rwego centres za:Kabere,Viro Ruramba,Kamirabagenzi,Gatunda,Rugalika,Ndago,Cyahinda na Munini zavuguruwe Gahunda ikaba ari gukomeza kuvugurura no kongera imbaraga mu gufasha abaturage n’abacuruzi gukomeza kubaka amazu y’ubucuruzi yubahirije ibipimo. DSCN8993IMG_20140329_124353

 

 

 

 

 

I.4  GUTEZIMBERE IBIGO BY’IMARI

 

Kuva mu mwaka w’ 2009, Akarere ka Nyaruguru  kageze ku iterambere mu buryo bushimishije harimo kubaka ibigo by’imari iciriritse bifite uruhare mu iterambere, kubungabunga ukudahungabana k’ubukungu rusange no kugabanya ubukene binyuze mu kongera no kunoza uburyo bwo kugera kuri serivisi z’ibanze z’ibigo by’imari.

Hubakiwe kuri uyu musingi, Akarere kashyizeho uburyo butuma serivisi z’imari zigera kuri benshi kuko ari imwe mu nzira z’ibanze zo kuzamura ubukungu bw’igihugu. Ukutagera kuri serivisi z’imari byabaye imbogamizi ikomeye by’umwihariko ku mishinga mito n’iciriritse.

Mu gushaka gukemura iki kibazo, inama nyungurana bitekerezo yabaye ku rwego rw’Igihugu mu Kuboza 2008, yasabye ko hashyirwaho nibura SACCO imwe muri buri  Murenge.

 Nyaruguru nk’Akarere k’icyaro gatuwe n’abaturage ibihumbi 294,334, abagejeje imyaka yo kuba bakorana n’ibigo by’imari bangana n’ibihumbi:166,997 kari gafite ikibazo cyo kuba hakorera banki imwe y’abaturage, bityo ntibashe gukwirakwiza serivise z’ibigo by’imari mu mirenge yose; ibi bigatuma  abaturage bahura n’ibibazo bikomeye byo kutagira ibigo by’imari bibegereye bishobora kubafasha mu kwitezimbere.

Ni muri urwo rwego mu karere ka Nyaruguru hashyizweho koperative zo kubitsa no kugurizanya ziha abaturage serivise z’imali

 

ü  Kongera abanyamuryango: Imbaraga n’ubukangurambaga mu baturage batuye Akarere byatumye izi koperative zo kubitsa no kugurizanya zongera abanyamuryango koperative zo kubitsa kuko abanyamuryango bavuye ku bihumbi 42 ubu abanyamuryango bangana n’ibihumbi 108,059 bafite

ü  Kongera imigabane shingiro y’abanyamuryango n’umubare w’abafite konti  imarishingiro  yavuye kuri miriyoni 15,000,000frws  ubu igeze kuri miriyoni: 263,869,753frws;

ü  Kongera umubare w’abaturage bakorana n’ibigo by’imari nabyo byashyizwemo imbaraga kuko ubu bageze ku bihumbi 116,593 bingana na na 69,8% by’abaturage bafite imyaka ibemerera gukorana n’ibigo by’imari.

 

ü  Umutekano w’amafaranga y’abanyamuryango wariyongereye kuko abanyamuryango biyubakiye inyubako zigezweho zo gukoreramo.

 

 

 

 

 

 

 

 

 

 


IMBONERAHAMWE IGARAGAZA INGUZANYO ZATANZWE, IZISHYUWE, IZISIGAYE, IZIFITE KUVA 2011 UBUKERERWE UKWEZI KWA NZERI 2015

 

IZINA RY'UMU

RENGE

IZINA RYA SACCOS

 INGUZANYO ZATANZWE  NA SACCOs KUVA juin 6/ 2011

ABAZI

HAWE

INGUZANYO ZISHYUWE

INGUZANYO ZISIGAYE

INGUZANYO

ZIFITE

UBUKERWE

%Y’UBUKE

RERWE

% Y'UBUKERERWE

 

BUSANZE

  SACCO JYAMBERE

208, 091,600

1,467

157, 797,843

50, 293,757

1,208,262

2

2

 

CYAHINDA

 SACCO AMIZERO

142, 818,357

758

80, 591,486

62, 226,871

3,056,940

5

5

 

KIBEHO

 SACCO IMBONI

278, 716,000

1,369

 217, 393,436

61, 322,564

 5,631,179

9

9

 

KIVU

 SACCO INKINGIYITERAMBERE

284, 554,050

919

217, 504,535

67, 049,515

2,933,005

4

4

 

MATA

 SACCO ITEZIMBERE

245, 573,400

656

158, 081,007

87, 492,393

2, 741,332

3

3

 

MUGANZA

 SACCO UMURAVA

280, 245,367

3,774

201, 952,898

78, 292,469

1,795,607

2

2

 

MUNINI

 SACCO WISIGARA

432, 146,017

5,224

297, 550,746

134, 595,271

4,754,352

4

4

 

NGERA

 SACCO TWIZIGAMIRE

194, 950,000

1346

140, 880,585

54, 069,415

2,111,770

4

4

 

NGOMA

 SACCO ZAMUKA

175, 125,000

1006

91, 502,372

83, 622,628

6,398,712

8

8

 

NYABIMATA

 SACCO UKURI

128, 385,010

1,446

97, 891,866

30, 493,144

 1,635,131

5

5

 

NYAGISOZI

 SACCO EJOHAZAZA

209, 167,000

1,261

135, 236,789

73, 930,687

 2,985,984

4

4

 

RUHERU

 SACCO NKUNGANIRE

127, 389,700

888

97, 723,211

29, 405,489

1,323,298

5

5

 

RURAMBA

 SACCO KORA UKIRE RURAMBA

347, 227,044

4,683

278, 371,832

68, 855,212

374,777

1

1

 

RUSENGE

 SACCO INOZAMIHIGO

335, 099,300

538

227, 460,680

107, 197,396

24,855,647

23

23

 

 

 

3, 389, 487,845

25,335

2,399,939,286

988, 846,811

61,805,996

6

6

 

 

 

ü  Kongera ubwizigame bwavuye kuri:444,650,285 muri 2011 bugera kuri 1,835,523,491frws;

ü  Korohereza abaturage kubona inguzanyo: Inguzanyo zatanzwe zavuye kuri:14,055,500 muri 2011 ubu hamaze gutangwa izigera kuri miriyari 3,259,129,125frws;

ü  Abanyamuryango bahawe inguzanyo kugeza ubu bangana n’ibihumbi 24,783;

ü  Gutanga inguzanyo byajyanye no gukangurira abanyamuryango kwishyura neza inguzanyo ubu inguzanyo zishyurwa neza ku kigereranyo cya 102%;

 

I.5   GUTEZIMBERE AMAKOPERATIVE

 

Leta yasanze ko KOPERATIVE ari yo nzira nziza yo kurwanya ubukene bukaranduranwa n’imizi yabwo igihe cyose umunyarwanda azakira Koperative nta kureba inyuma, ahubwo akamenya aho avuye, ahanze amaso aho agiye. Akarere muri iyi mandat kashyigikiye  ishyigikiye iterambere rya koperative mu buryo ubwo aribwo bwose kuko byabonetse ko ariyo ntwaro ikomeye ibihugu by’amahanga byitwaje kugirango bibe ibihangange. Amakoperative ashobora kurwanya ubukene kuko atuma abantu bihangira imirimo;

I)   Kongera kugarura  umuco wo gukorera hamwe no guhuza imbaraga mu baturarwanda;

II)Kwihutisha ishoramari rifatanyijwe(Collective investment) kandi abaturage bakabigiramo uruhare rukomeye;

III)             Gushyigikira gahunda y’ubumwe n’ubwiyunge bw’abanyarwanda ect.

 

IKARITA Y’AMAKOPERATIVE MU KARERE KA NYARUGURU MURI MANDAT Y’IMYAKA ITANU ISHIZE.

Map635720335547934244.emf

63_8_25_0635720335547934244.emf

Nyaruguru kimwe n’ahandi mu gihugu twatangiye gushyira mu bikorwa politike yo gutezimbere amakoperative ubu hariho amakoperative arenga magana 281, arimo abanyamuryango ibihumbi ijana 112,987 bingana na 67,65% by’abaturage bafite imyaka ibemerera gukorera mu makoperative ni kuvuga abujuje imyaka 16. Ni kuvuga ko iyi segiteri y’amakoperative i kubiyemo igice kini cy’abaturage bafite imbaraga zo gukora. Nkuko iyi karita ibigaragaza mu karere dufite amakoperative asaga 281 akwiriye mu mirenge yose igize Akarere: Busanze hari amakoperative agera kuri 21, cyahinda 13, kibeho 35, Kivu 29, Mata 23, Muganza 29, Munini 21, Ngera 16 Ngoma 16,Nyabimata 16, Ruheru 24, Ruramba 16 na Rusenge 22.

Aya makoperative tuvuga ni koperative zanditse mu gitabo cy’Akarere ni kuvuga koperative zahawe icyemezo cy’agateganyo gitangwa n’Ubuyobozi bw’Akarere, muri aya makoperative byibura koperative 150 zifite ubuzimagatozi butangwa n’ikigo cy’igihugu gishinzwe gutezimbere amakoperative binganga na 53% by’amakoperative yose akorera mu karere.

 

I.5.1 UBWOKO BW’AMAKOPERATIVE AKORERA MU KARERE KA NYARURGU, ABANYAMURYANGO N’IMARISHINGIRO BATANGIZANYIJE  

Nkuko imbonerahamwe ikurikira ibigaragaza mu karere hari amakoperative arenga 281. Izi koperative ziri mu bwoko butandukanye nkuko bigaragazwan’iyi mbonerahamwe.

 

No

Igikorwa cya koperative (domaine)

Umubare wa koperative

Abanyamuryango

Imari shingiro

1

Koperative z’abahinzi

97

11,816

121, 708,222

2

Koperative z’ubworozi

55

3,116

56, 604,240

3

Kurengera ibidukikije no gufata neza imihanda

19

265

8.001.000

4

Koperative z’ubukorikori

23

741

14, 491,000

5

Koperative z’abacuruzi

41

1,170

 66, 492,090

6

Koperative zo kubitsa no kugurizanya

14

108,388

265, 604,235

7

Koperative yo gutwara ibintu

6

91

10, 048,000

14

Amakoperative yo kwita ku bikorwaremezo

9

290

10,704,000

 

 

264

 

 

Nkuko iyi mbonerahamwe ibigaragaza koperative zo kubitsa no kugurizanya nizo zifite umubare muni w’abanyamuryango kuko bangana na 108,388;

ubuhinzi n’ubworozi bufite umwanya wa kabiri ku makoperative agaragaramo abaturage benshi , ibi bishimangira ko Akarere ka Nyaruguru ari Akarere kaberanye n’ubuhinzi n’ubworozi kuko abaturage bako 88% batunzwe n’ubuhinzi n’ubworozi.

NB: Muri izi koperative 281 koperative 169 bingana na 60% by’amakoperative yose zifite ubuzimagatozi butangwa n’ikigo cy’igihugu gishinzwe gutezimbere amakoperative. 

 

 

 

Ibikorwa byagezweho n’Amakoperative amwe:

Koperative zagiye zitera intambwe ishimishije haba muushora imari no kwagura ibikorwa harimo no gutunganya umusaruro ukomoka k’ubuhinzi. Muri izi koperative twavuga nka:

ü  Kaimu yageze ku bikorwa bishimishije kuko imaze kwiyubakira aho ikorera

ü  Yiguriye imodoka iyifasha kugeza umusaruro wayo kwisoko

ü  Koperative Nyampinga k’ubufatanye n’umushinga wa Women for women biyubakiye uruganda rutunganya kawa;

ü  Koperative Jyambere mu byeyi k’ubufatanye n’umushinga wa Action Aids bubatse uruganda ruciriritse rutunganya ibigori;

ü  Koperative Twitezimbere itunganya ibikomoka ku mpu yaguze ibikoresho (Machine) ziyifasha kunoza ibikorwa byayo;

 

I.6  GUTEZIMBERE UMURIMO

 

Mu rwego rwo guteimbere umurimo Akarere ka Nyaruguru kashyize imbaraga mugushaka ibikorwa bini biha abaturage akazi. Ibyo bikorwa byagiye bikorerwa mu mirenge yose igize Akarere ka Nyaruguru. Bimwe muri byo ni:

-      Gukora no gusana imihanda

-      Amaterasi y’indinganire

-      Gukora imirwanyasuri,

-      Gutunganya ibishanga;

-      Gusazura amashyamba

-      Kubaka inyubako za leta n’amashuri;

-      Kubaka amasoko; ect.

Ibi bikorwa byagiye bitanga akazi ku bantu bari hagati y’ibihumbi 6000-10,000 buri mwaka, ibi bikorwa byagiye bifasha abaturage gutera intambwe bava m’ubukene ndetse bakabasha gukemura ibibazo bisaba amafaranga umunsi ku munsi. Harimo mutuelle, kurihira abanaa mashuri, kwambara n’ibindi.

 

I.6.1 GAHUNDA YA HANGA UMURIMO

Mu karere ka Nyaruguru, kimwe n’ahandi mu gihugu gahunda ya Hanga umurimo yagiye yitabirwa n’ibyiciro bitandukanye by’abaturage bashaka guhanga umurimo no kwivana m’ubukene.

Imbonerahamwe ikurikira igaragza uko ibyiciro byose uko ari bitatu byagiye byitabirwa.

 (Kongeramo imishinga yatewe inkunga ku byiciro by’abagore, urubyiruko, abafite ubumuga) no kuvuga ku gakiriro

 

No

Imishinga yagejejwe kuri banque

Imishinga yemewe na banque

Imishinga yabonye inguzanyo

Imishinga yanzwe

Imishinga yadindiriye muri banques

Phase 1 (umwaka)

18

6

3

12

3

Phase 2

40

19

3

21

16

Phase 3

14

3

3

0

11

Igiteranyo

72

28

9

33

30

Nkuko iyi mbonerahamwe ibigaragaza ibyiciro byose byitabiriye gahunda ya Hanga umurimo bakagera ku rwego rwo kugeza imishinga yabo muri banki bangana na 72; muriyo imishinga 28 gusa niyo banki yemeye bingana na 38,8%. Mu mishinga 28 yagejejwe muri banki kandi banki ikemeza ko yujuje ubuziranenge,  kubera impamvu zitandukanye za banki ntabwo zashoboye gutanga amafaranga kuri iyo mishinga yose  nkuko bikwiye ahubwo banki yabashije gutanga amafaranga ku mishinga 9 bingana na 12%. Imishinga yadindiriye muri banki yihariye 41%.

 

I.        6. 2 GUTEZIMBERE GAHUNDA YO KUREMERA NO KWIGISHA URUBYIRUKO IMYUGA ICIRIRITSE

Gahunda ya Hanga umurimo mu karere ka Nyaruguru yajyanye na gahunda yo kwigisha urubyiruko imyuga iciriritse no kubaha inkunga y’ibikoresho bibafasha gukora imyuga iciriritse. Ni muri urwo rwego kubufatanye na Minicom urubyiruko rungana na 102 rwigishijwe imyuga ndetse babona n’ibikoresho bibafasha kunoza imyuga. Nabibutsa iyo myuga yari mu byiciro bikurikira:

-      Ububaji (umubare w’amakoperative akora mu bubaji)

-      Gutunganya imisatsi(umubare w’amakoperative)

-      Gusudira (umubare)

-      Ubudozi (umubare)

 

I.7 GUTEZIMBERE UBUKERARUGENDO N’ISHORAMARI

 

1)  Ubukerarugendo:

Uko imyaka igenda itambuka ubukerarugendo bugaragara nk’isoko ikurura abanyamahanga n’abaturawanda benshi mu Karere ka Nyaruguru bitewe n’amateka n’iyoboka mana. Kuva aho kiriziya gaturika yemereje ko Kibeho ari ubutaka butagatifu kuko habereye amabonekerwa yemewe ku rwego rw’isi, uyu muji uragenda ukurura abantu benshi baza kuwusura no kwiherera basenga Imana. Mu rwego rwo gukemura ikibazo cy’amacumbi cyakomeje kugenda kiba imbogamizi  Akarere ka Nyarurugu k’ubufatanye n’abihaye imana bakomeje gushora imari bubaka amacumbi(Centre d’acceuille) zizafasha kwakira abagana ikibeho.Ni muri urwo rwego muri iyi mandat huzuye centre d’acceuille zikurikira:

-      Centre d’Accueil Fondation notre dame de kibeho yarangiye itwaye amafaranga arenga miriyoni 300,000,000frws, ikiba ifite ibyumba 38;

-      Centre d’Accueil de Soeur Pallotine hafi miriyoni zirenga 200,000,000;ikaba ibifite ibyumba 17;

-       Centre d’Accueil Nazareth ifite ibyumba; Izi centre zaje ziyongera ku zindi nka Centre d’Accueil Regina Pacis na Centre d’Accueil des Peres mariens de Nyarushishi.

 

Iyi ni Centre d’Accueil Fondation Notre dame de kibeho.

ü  Mu rwego rwo gutezimbere ubukerarugendo bushingiye ku iyoboka mana hakozwe ibikorwa bikurura ba mukerarugendo:

ü  Harimo inzira y’umusaraba ibi bituma umutambagiro w’iyoboka mana ukomeza gukurura abantu benshi uko umwaka utashye;

ü  Dushingiye ku mibare itangwa n’ingoro ya Bikiramariya bemeza ko  muri 2013 umwaka warangiye umutambagiro nyobokamana witabiriwe n’abantu basaga ibihumbi 300,000

ü  Muri 2014 ingoro igaragaza ko urugendo nyobokamana rwitabiriwe n’abantu basaga ibihumbi 500,000. Ibi bitwereka ko byibura buri mwaka umutambagiro nyoboka Mana i kibeho ugenda ukurura ba mukerarugendo bari hagati y’ibihumbi byibura 150,000.

ü  Mu rwego rwo gutezimbere kandi ubukerarugendo bushingiye ku iyoboka Mana ku bufatanye na Minisiteri y’ubucuruzi n’inganda n’Ikigo cy’Igihugu gishinzwe iterambere(RDB) hakozwe herritage corridor Tourism Sub master plan igaragaza amahirwe aboneka ikibeho na filiyeri yashorwamo imari mu rwego rwo gukurura ba mukerarugendo no gufasha abaturage gukora ibikorwa bibinjiriza amafaranga;

ü  Mu rwego rwo gukomeza gushaka ibyatezimbere ubukerarugendo hakozwe igikorwa cyo kwemeza ahantu nyaburanga(Sites Touristiques)  arizo ikibuye parike y’igihugu ya Nyungwe ikibuye cya shari, urutare rwa Munanira, ahantu hari impyisi y’igihinyage, ibigabiro by’umwami, amazi y’amakera, amazi atukura ect. Aya ni hamwe mu hantu nyaburanga hagomba kwitabwaho mu rwego rwo kubangabunga amateka no gukurura ba mukerarugendo.

 

IMG_0054

I.8 Inganda:

-      Icyayi :Mu rwego rwo gutezimbere inganda nto n’iziciriritse no gufasha abaturage kongera agaciro umusaruro hubatswe uruganda rutunganya icyayi Muganza-Kivu thea Factory uru ruganda rwubatswe mu murenge wa kivu rwaje rusanga izindi nganda 2 zose ubu zikaba ari inganda 3; zitunganya icyayi.

-      IKAWA: Kawa iri mu bihingwa byinjiriza abaturage amafaranga menshi ni muri urwo rwego hubatswe inganda zitunganya kawa rwa Nyakizu Montain Coffee, uruganda rwa Koperative Nyampinga. Izi nganda zaje zisanga izndi nganda 4 zitunganya kawa mu karere;

-      Ibigori: Ibigori nabyo biri mu bihingwa byera mu karere ka Nyaruguru, mu rwego rwo kongera agaciro umusaruro k‘ubufatanye n’amakoperative  Jyambere mubyeyi na CTCMU hamaze kubakwa inganda mu mirenge ya Ruheru na Muganza; urundi ruganda rutunganya ibigori rwubatswe mu murenge wa Rusenge. 

IMIHIGO YA 2016-2017