Ni porogaramu yatangijwe ku wa 18 Gicurasi 2023 ku bufatanye n'Ikigo mpuzamahanga kizobereye mu gutanga Amasomo ajyanye no gukoresha neza imari ku bari mu rwego rw'uburezi, Opportunity International.
I&M Bank izajya yita kuri serivisi zo gutanga inguzanyo ku buryo bworoshye ku bari muri urwo rwego mu gihe Opportunity International izatanga amahugurwa ajyanye no kuzamura ubushobozi bw'amashuri mu bijyanye n'imari no kwitabira serivisi zijyanye na yo.
Abari mu ruhererekane nyongeragaciro rw'uburezi barimo amashuri, ababyeyi bayarereramo, abarimu, abakozi, ba rwiyemezamirimo bakorana na yo n'abandi bashoramari bagira uruhare kugira ngo umwana yige abona ibikenewe byose.
Bisobanuye ko niba umubyeyi ufite umwana ku kigo runaka, mu gihe akeneye wenda kwishyura amafaranga y'ishuri kandi ntayo afite ako kanya, kuko akorana na I&M Bank izajya ihita imwishyurira kuri cya kigo.
Nyuma yo gukemura ikibazo impande zombi zizumvikana uburyo ya nguzanyo izajya yishyurwa bitagoranye.
Ibigo by'ishuri runaka na byo bikeneye kugura ibikoresho nk'imodoka zijyana abanyeshuri cyangwa ibikoresho by'ikoranabuhanga, kubaka za laboratwari, kongera umubare w'amashuri cyangwa ibindi na byo I&M izajya ibibafasha by'umwihariko, bishyure gahoro gahoro.
Ku bijyanye n'inyungu y'inguzanyo I&M Bank izajya yaka abazishaka, nta nyungu fatizo ihari kuko izajya ishingirwa ku nguzanyo umukiliya ashaka, ubwoko bw'imirimo ashaka kuyikoresha n'uko iyo mirimo yunguka n'uburyo izishyurwamo.
Icy'ingenzi ni uko izo nyungu zizajya zishyirwaho mu murongo w'iziteganywa na Banki Nkuru y'u Rwanda.
Umuyobozi Mukuru wa I&M Bank mu Rwanda, Robin Bairstow, ati 'Ibigo by'amashuri ntibingana mu bunini, ntibifite porogaramu zingana yewe n'ibikorwaremezo bikeneye kubaka ntibingana. Urumva ko n'inyungu utayigira imwe. Dusesengura buri kimwe cyose noneho tugashyiraho inyungu bijyanye n'ikigo kiyisaba.'
Yongeraho ko buri kigo cyose gishaka inguzanyo gishyirirwaho uburyo bwo kwishyura butakigoye 'kuko natwe tuzi uko ubukungu buhagaze ni yo mpamvu twashatse gukorana n'abo muri uru rwego ku buryo bw'umwihariko.'
Birungi Ronald wo muri Life International Christian Academy, LICA, yagaragaje ko iyi porogaramu izabafasha muri serivisi zitandukanye zirimo kubahugurira abakozi ariko ngo bikaba akarushyo ku nguzanyo ijyanye no kubafasha kugura nk'imodoka zitwara abanyeshuri, kuko zihenda cyane.
Ati "Amafaranga y'ishuri ntaba ahagije kugira ngo ikigo cy'ishuri kibeho. Ubu tugiye kuba twabona inguzanyo yo kubaka bitagoranye. Iyi gahunda izanakemura n'ikibazo cyo gusaba inyemezabwishyu umunyeshuri yishyuriyeho bya buri kanya, kuko nidufatanya na I&M Bank uwishyuye tuzajya tumubona muri sisiteme bikiba."
Kuva mu 2016 Opportunity International imaze gufatanya n'ibigo by'imari 148 mu bihugu ikoreremo, bitanga inguzanyo ku bigo bifite aho bihuriye n'uburezi ibihumbi 602. Abanyeshuri bo mu bihugu 31 bangana na miliyoni 11.5 bungukiye muri ibyo bikorwa.
Ibyo bigo by'imari byashoye agera kuri miliyoni 614 z'Amadorali mu burezi bwigonderwa na buri wese ndetse abayobozi b'ibigo by'amashuri bagera ku 2000 bo mu bihugu 10 barahuguwe.
Iki kigo kandi ngo cyabonye ko hari amahirwe y'uko ibigo by'amashuri byo mu Rwanda 3401 byigenga n'amashuri y'imyuga 366 bikeneye serivisi za EduFinance mu buryo butaziguye.
Umuyobozi wa Opportunity International mu Karere, Julius Omoding, yavuze ko biyemeje gufatanya na I&M Bank kugira ngo no mu Rwanda uburezi butezwe imbere mu buryo bufatika.
Ati 'Twabonye ko izi serivisi zikenewe haba ku buryo bw'amafaranga ndetse n'ubumenyi kuri serivisi z'imari. Nk'ubu twakoze ubushakashatsi dusanga 37% y'ibigo by'amashuri twabajije bashaka impuzandengo y'inguzanyo ntarengwa (average loan size) yo kubaka ingana n'ibihumbi 24 by'Amadorali.'
Akomeza ati '73% by'ababyeyi bakeneye impuzandengo y'inguzanyo ntarengwa y'amafaranga y'ishuri, ingana n'ibihumbi 224$ mu gihe 63% by'abarimu na bo bashaka bene iyo nguzanyo ku mpuzandengo y'ibihumbi 2.3$.'
Ati 'Ubu twatangiye urugendo dufatanyije ndetse turateganya ko buzahoraho tugafasha abari mu burezi kubona serivisi ziborohereza kubuteza imbere. Ubu abo mu burezi bashyira mu bikorwa gahunda zabo kuko bafite umufatanyabikorwa wumva ibyo bakora.'
Kugeza ubu muri Afurika Edufinance ibarirwa agaciro ka miliyari 2.7$ mu gihe mu Rwanda ifite agaciro ka miliyari 152 Frw. Iyi porogaramu izajya ikorana n'ibigo by'ishuri byose.
Amafoto: Ndayisenga Mohamed
