Ibi byagarutsweho mu Nteko rusange ya 23 yahuje abanyamuryango basaga 400 bahagarariye abandi muri iyi Koperative, baturutse hirya no hino mu gihugu, yabaye kuri uyu wa 30 Ukuboza 2021.
Mu 2019, Umwalimu Sacco yungutse miliyari 6.7 Frw zivuye mu mafaranga aturuka ku nyungu ku nguzanyo aba yahawe abarimu muri gahunda yo kubafasha kwiteza imbere.
Mu 2020, Covid-19 yatumye ibintu bitagenda nk'uko byifuzwaga kubera ko inguzanyo zari zatanzwe zimwe zahagaritswe kwishyurwa ndetse n'amaserano yazo aravugururwa, bituma inyungu igabanuka igera kuri miliyari 5.9 Frw.
Umuyobozi Mukuru wa Koperative Umwalimu SACCO, Uwambaje Laurence, yavuze ko icyorezo cya Covid-19 cyagize ingaruka ku bucuruzi bwabo.
Yagize ati 'Nk'uko byagiye bigenda n'ahandi, umwalimu SACCO nawo wagizweho ingaruka na Covid-19 cyane ko abarimu bigisha mu bigo byigenga bari bahagarikiwe kubona umushahara bituma batabasha kwishyura inguzanyo zabo, nabyo bituma n'umwalimu SACCO ubigiriramo igihombo.'
Yagaragaje ko mu 2022, Umwalimu SACCO iteganya inyungu ya miliyari 10 Frw, inyongera ya miliyari 1 Frw kuko mu 2021, iyi Koperative yungutse miliyari 9.8 Frw.
Uwambaje yavuze ko biteguye ko inyungu y'iyi Koperative iziyongera, ati 'Muri uyu mwaka byariyongereye cyane kuko abarimu basubiye mu kazi batangira kwishyura inguzanyo ndetse n'abandi bashya barinjizwa bituma tubona abanyamuryango benshi bakoresha serivisi zacu.'
Uyu muyobozi yavuze ko hari impinduka zatangiye gukorwa ku buryo zizatangirana na Mutarama 2022, zikazagirira akamaro abanyamuryango b'iyi banki.
Muri izo mpinduka harimo kuba inyungu ku nguzanyo y'ingoboka izagabanuka ku kigero cya 2%, ikava kuri 16% ikaba 14%, kandi ni iyi ni imwe mu nguzanyo zikunze kwitabirwa n'abanyamuryango.
Hari kandi kuba inguzanyo yo kubaka inzu yongererewe igihe ntarengwa cyo kwishyura, kikava ku myaka 10 kigashyirwa kuri 12 , ariko bikaba binashoboka ko mu gihe kiri imbere, ishobora kuzashyirwa ku myaka 15.
Ku bijyanye n'inguzanyo ku mushahara, igihe ntarengwa cyo kwishyura cyari gisanzwe ari imyaka ine cyongereweho umwaka umwe ndetse n'amafaranga ntarengwa akurwaho ahubwo hazajya harebwa ingano y'umushahara w'umwarimu.
Umwalimu SACCO yashinzwe mu 2006 ariko itangira gutanga inguzanyo mu 2008 ku gitekerezo cyo guharanira kuzamura ubuzima bwa mwarimu binyuze mu kumuha inguzanyo yunganira umushahara abona.
Umwalimu SACCO ifite ubwoko butandukanye bw'inguzanyo bugera kuri 11, kandi buri wese ahitamo iyo afata bitewe n'icyo agiye kuyikoresha.
Kugeza ubu iyi Koperative ifite amashami 30 ndetse imikoranire n'Umurenge SACCO yarahujwe ku buryo umwarimu yafatira amafaranga ahamwegereye.
Ikoranabuhanga ryarimakajwe
Umukozi Ushinzwe Igenamigambi n'Isuzumabikorwa mu Mwalimu SACCO, Kavatiri Fronçois, yavuze ko Covid-19 yagaragaje ko ibintu byose bikozwe hifashishijwe ikoranabuhanga birushaho gutanga umusaruro.
Koperative Umwalimu SACCO yazanye serivisi z'ikoranabuhanga zitandukanye zirimo na serivisi ya Mobile Banking, mu gihe hatangijwe 'application' (Mobile App) igamije gufasha abanyamuryango kubona serivisi bitabagoye.
Muri ubu buryo bwa Mobile Banking, umunyamuryango abasha kubitsa, kubikuza no gufata inguzanyo ya 'overdraft' hakoreshejwe telefoni. Ashobora kandi kureba amakuru yose ajyanye na konti ye, akishyura amazi n'amashanyarazi, ama-inite yo guhamagara, ifatabuguzi rya televiziyo (Startimes, DSTV, Canal+, etc.) no kwishyura amafaranga y'ishuri bakoresheje serivisi y'Urubuto ku bufatanye bw'Umwalimu SACCO na BK Techhouse.
Iyi serivisi ifasha ababyeyi kwishyura amafaranga y'ishuri bakoresheje telefoni zigendanwa, ibigo by'amashuri na byo bikamenyeshwa ko ubwishyu bwakozwe bidasabye ko basaba umubyeyi kuzana inyemezabwishyu ku ishuri.
Uwambaje yagaragaje ko hari gahunda yo gukomeza konoza serivisi z'Umwalimu SACCO by'umwihariko mu bijyanye n'ikoreshwa ry'ikoranabuhanga.
Muri iyi nama hamurikiwe ku mugaragaro Mobile Banking App izashyirwaho n'uburyo umunyamuryango yafata inguzanyo y'ingoboka akoresheje telefoni, na internet banking (Gukoresha interineti mu kohereza amafaranga no gukurikirana ibibera kuri konti).
Harateganywa kandi serivisi z'inguzanyo zisanzwe hifashishijwe ikoranabuhanga, umuntu agasubizwa atiriwe agera ku ishami ry'Umwalimu SACCO (online loan application).
Ubuyobozi bw'Umwalimu SACCO kandi buvuga ko buteganya kongera amahugurwa y'abanyamuryango ku birebana no gucunga imishinga, kugira ngo barusheho kumenya uko bashobora gucunga imishinga yabo mu buryo burambye, bakarushaho kwiteza imbere.
- Abanyamuryango ba Umwalimu SACCO batangarijwe iterambere yagezeho mu myaka itatu ishize, na gahunda ifite mu mwaka uri imbere
- Umuyobozi Mukuru wa Koperative Umwalimu SACCO, Uwambaje Laurence, yavuze ko icyorezo cya Covid-19 cyagize ingaruka ku bucuruzi bwabo
