Kwihangana kw'Imishinga Mito n'Iciriritse mu Bihe Bigoye.
Reka dutangire iyi nyandiko twemera ko, kuva icyorezo cya COVID-19 cyatangira mu 2020, ibibazo byazanye uburambe bwinshi kandi butandukanye ku bantu ku giti cyabo ndetse no ku bucuruzi. Nubwo ibibazo byahaye amahirwe atandukanye abantu bamwe, ingaruka nyinshi zagize ubucuruzi n'ingo ntizoroshye.
Twabonye ubucuruzi bufunga ibikorwa byabwo, bugahindura ingamba nshya zo kubaho mu gihe bugerageza gukomeza kubaho n'igishoro cyabwo cya nyuma.
Ku isi yose, ubucuruzi bwagombye gushaka udushya kugira ngo bubashe kubaho muri ibi bihe. Zimwe mu ngamba z'ingenzi zirebera kure ubucuruzi bugomba gutekerezaho kugira ngo bubeho ni izi:
Ubuzima n'umutekano by'abakozi n'ibikoresho
Kugabanya umubare w'abakozi kugira ngo hubahirizwe amabwiriza yagenwe yo kwirinda
Gushyiraho ingamba nshya nko gukorera mu rugo, gukora mu byiciro igihe bishoboka, kugabanya umushahara, kugabanya abakozi, n'ibindi
Kunoza ibikorwa by'ubucuruzi - gufunga bimwe mu bice/mu mishinga cyangwa gufunga burundu.
Uburyo bwo kugabanya ibiciro nabwo bukoreshwa mu buryo busanzwe
Ku rwego rwa macro, ubukungu bugomba guhangana n'ibintu bitigeze bibaho bigira ingaruka ku bidukikije by'ubucuruzi. Ibi byatumye ubucuruzi busubira ku cyiciro cya mbere gishakisha uburyo bwo kubaho. Ubucuruzi bw'imishinga mito n'iciriritse (MSME) bwamenyekanye ko butuma ubukungu bwo hirya no hino ku isi bugira ituze kandi bukihangana aho hashyizweho ibidukikije bifasha neza. MSME yahindutse ijambobanze rikoreshwa kenshi risobanura Micro, Small, and Medium Enterprise (Imishinga mito, iciriritse n'iri hagati) kandi ni ryo rikoreshwa muri iki kiganiro.
Dukurikije inyandiko ya Phyllis Wakiaga, Umuyobozi Mukuru w'Ihuriro ry'Abakora Ibicuruzwa mu Rwanda akaba n'Uhagarariye Rwanda muri UN Global Compact Network, imishinga mito, iciriritse n'iri hagati (MSMEs) mu Rwanda itanga hafi 40% by'umusaruro mbumbe w'igihugu (GDP), kandi benshi muri yo bakora mu rwego rutemewe mu buryo bwa gihugu (informal sector).
Ibi bishingiye ku mbaraga n'ingamba zirebera kure I&M Bank yashyizeho kugira ngo imishinga mito n'iciriritse igere ku iterambere rirambye mu gihugu. Mu rwego rwo gushyigikira ko imishinga mito n'iciriritse igerwaho na serivisi z'imari, I&M Bank yazanye uburyo bwuzuye kandi bugenda bwihinduranya igihe cyose bwo kugendana n'abakiriya b'imishinga mito n'iciriritse, bigamije ubunararibonye bwiza ku bakiriya no gukomeza ubucuruzi bwabo. Dore zimwe muri serivisi zitangirwa imishinga mito n'iciriritse:
Umubano mwiza urimo inama z'ubucuruzi zihariye
Ibisubizo byoroshye by'igishoro cy'ibikorwa bigera kuri Kes. miliyoni 3 bifite igihe gito cyo kubitunganya (TAT) gihiganwa
(inguzanyo z'igihe gito, overdraft z'igihe gito, LPO n'uburyo bwo kugabanya agaciro k'inyemezabuguzi (Invoice discounting), n'ibindi)
Uburyo bugezweho bwo gukoresha serivisi z'imari butari ubusanzwe - Swift Mobile na Internet Banking
Inyungu zishimishije ku konti ya buri gihe (current account)
Ingwate zihuse zitari iz'umutungo (Quick Unsecured bid bonds)
Mu gihe twese tunyura muri ibi bihe bigoye, turizeza abakiriya b'imishinga mito n'iciriritse ko twumva neza ibibazo byabo kandi tugendana na bo muri uru rugendo. Turabinginga bakoreshe neza ibisubizo byacu bihari kuko turi kumwe namwe!
