Published Tuesday , on 26 November 2019, 10:06:14 by Christophe Hitayezu

Kwishyuzwa umwenda bamwe batazi, no kutubahiriza amategeko mu miyoborere ya koperative, ni bimwe mu bigaragaza ko inzego z’ibanze n’izishinzwe amakoperative zatereranye abanyamuryango basaga Magana ane (400) ba Koperative y’Abahinzi b’Ibigori mu bishanga bya Rwibona na Kihene mu murenge wa Kansi ho mu Karere ka Gisagara.


Rwibona na Kihene bitandukanywa n’umuhanda uva i Huye ukomeza ukanaca ku biro by’umurenge wa Kansi

KOABIRWIKI ni koperative yahawe ubuzimagatozi tariki 13 Gicurasi 2013 n’ikigo cy’igihugu gishinzwe guteza imbere amakoperative, ihabwa icyangombwa nimero RCA/420/2013, iva mu mikorere y’ishyirahamwe ryari ryarashinzwe muri 2012 na Pasiteri Kaje wayoboye amezi make agasimburwa muri uwo mwaka na Habimana Alexis wari usanzwe ari umunyamuryango. Waje no kugirirwa icyizere agakomeza kuyobora imaze kuba koperative kugeza magingo aya.

Muri Nyakanga 2014, iyi koperative yatse inguzanyo mu Urwego Bank (yari ikitwa Urwego Opportunity Bank), ihabwa miliyoni cumi n’eshanu yagombaga kuguriza abanyamuryango binyuze mu mbuto n’ifumbire ndetse no mu bikorwa byo gukusanya umusaruro nk’uko umuyobozi wayo abivuga.

Iyi nguzanyo ntiyaje gukora ibyo yasabiwe yose kuko miliyoni umunani gusa ari zo zakoreshejwe mu nyungu za koperative. Miliyoni zirindwi z’amafaranga y’u Rwanda zigurizwa umukozi w’iyo Bank ushinzwe inguzanyo, ni icyemezo cyafashwe na Perezida Habimana Alexis ndetse n’umucungamutungo wa koperative, hatagishijwe inama komite cyangwa ngo ibimenyeshwe, byakomeje kuba ibanga rya batatu kugera mu mpera za 2018 nyuma y’inama y’inteko rusange yazamuye impaka ku ideni.

Iyi nguzanyo yagombaga kwishyurwa bitarenze tariki 7 Nyakanga 2018, ariko raporo ya Banki igaragaza uko umwenda wa Koperative uhagaze kugeza tariki 5 Kanama 2019, yagaragaje ko hanagiyeho amande y’ubukererwe, umwenda ugera kuri miliyoni zisaga makumyabiri n’icyenda (29,294,891Frw).

Asobanura iby’uyu mwenda, Habimana yemeza ko miliyoni zirindwi zagurijwe umukozi wa Banki ariko ntiyubahirize ibyo bari bavuganye. Umuyobozi w’Akarere ka Gisagara, Jerome Rutaburingoga, avuga ko kuba koperative yaragurijwe amafaranga menshi arenze k’uyo ikeneye, bagahitamo kuyaguriza umuntu ku giti cye ari ibintu bidasobanutse.

Ibi byarushijeho guteza umwuka mubi mu banyamuryango ndetse bamwe bifuza ko uyu muyobozi yavanwaho ariko inzego z’ibanze ntizabishyigikira. Kimonyo Innocent uyobora Umurenge wa Kansi avuga ko hari abanyamuryango benshi bagiye bifuza ko akomeza kubayobora, amatora yagera bakamwongeza manda.

Kimonyo avuga ko bateganya gufasha koperative gukora amatora ari uko komite igaragaje raporo y’ishusho rusange ya koperative, ni raporo yagombaga gutangwa bitarenze Kanama 2019 nk’uko uyu muyobozi abivuga. Nyamara Ugushyingo kwatangiye itaraboneka.

Ibi biha Habimana gukomeza kuyobora mu buryo bunyuranyije n’itegeko kuko manda yemerewe azirengejeho amezi atanu. Ingingo ya 65 y’itegeko N° 50/2007 ryo ku wa 18/09/2007 rigena ishyirwaho, imiterere n’imikorere y’amakoperative mu Rwanda, nk’uko ryavuguruwe kugeza ubu, igira iti “Manda y’Inama y’Ubuyobozi ni imyaka itatu (3). Nta muntu wo mu Nama y’Ubuyobozi ushobora gukora manda zirenze ebyiri zikurikirana muri Koperative”.

Nsengimana Baptiste wari Visi Perezida wa Koperative akaza kwirukanwa, avuga ko kuguriza umukozi wa Banki atabimenyeshejwe, nawe yabimenye nyuma, agasobanura ko gutinda ku buyobozi kwa Habimana byatewe n’umuyobozi w’umurenge, agira ati “Kubera amadeni, habaye amatora uwari umuyobozi w’umurenge aravuga ati koperative irimo ibibazo by’amafaranga y’Urwego Bank, undi wajyaho n’aya madeni byamugora, ndumva iyi komite mwayongeza igakurikirana ibintu by’ideni”.


Nsengimana ntakiri muri koperative ariko yakomeje ibikorwa bye by’ubuhinzi

Byabereye bamwe imbogamizi zo kwiteza imbere

Niyonsaba Anastasie ni umupfakazi ufite imyaka 43, atuye mu kagali ka Bwiza mu murenge wa Kansi, yirukanywe muri iyi koperative tariki 20 Mata 2018 azira ko yabuze ubushobozi bwo guhinga “parcel” ze zikarara. Muri uyu mwaka, irindi tsinda abamo ry’abagore 35 rigira igitekerezo cyo kuguza amafaranga ngo rigure amatungo magufi ryoroze abanyamuryango, ariko ntibyashoboka kuko raporo ya TransUnion Menyesha (CRB) yerekana ko indangamuntu ye irimo umwenda Banki.

Kuva ubwo nibwo yamenye ko Banki imubaraho umwenda wa miliyoni ebyiri nk’uko raporo ya CRB dufitiye kopi ibigaragaza, biba intambamyi yo kugura ayo matungo ku itsinda ryose kugeza ubu. Ibi byaramuyobeye kuko avuga ko nta nguzanyo yigeze asaba cyangwa ngo asinyire muri Banki kandi ko atanabasha kuyishyura, yari mu cyiciro cya mbere cy’ubudehe, gusa uyu mwaka ngo yisanze mu cya kabiri.


Niyonsaba Anastasie ari iwe mu rugo

Avuga ko uretse na we, byabereye imbogamizi n’abandi bagore bari muri iryo tsinda kuko batarabasha guhabwa iyo nguzanyo ngo borozanye. Ikibazo cye yakigejeje ku muyobozi wa koperative amubwira ko nta kundi byagenda agomba kwishyura uwo mwenda, umujyanama muri koperative witwa Nzeyimana Andre, we ngo yamubajije aho yakuye ibyo bipapuro bya CRB abungana! Agira ati, “Yarambwiye ati ubundi ibyo wabikuye he umuntu uri mu cyiciro cya mbere, ubundi ko muri aba Leta wakwiturije ko ari yo izishyuzwa”.

Twagerageje kuvugana na Ntezimana Andre ariko yanga gutanga amakuru, atitaye ku byangombwa by’akazi umunyamakuru yamweretse, yagize ati “Amakuru yose atangwa n’ubuyobozi, jye ntayo naguha. Tuzi se amakuru uyashakira iki, haba hari impamvu amakuru akenewe tukamenye impamvu wahagurutse ukaza hano. Ubwo se umuntu wese yaza ari n’umucengezi ukamuha amakuru!”


Ntezimana uri mu bajyanama ba koperative yanze kugira amakuru atanga

Si Niyonsaba gusa kuko na Munyawera Mathias yatswe icyangombwa cy’ubutaka amezi akaba asaga atandatu, avuga ko ahubatswe ubuhunikiro n’ibiro bya koperative hari ubutaka bwe bwaguzwe, arishyurwa ariko umuyobozi wa Koperative akaza kumwaka icyangombwa cy’ubutaka ngo icyo gice gikurwe ku butaka bwe, avuga ko amezi asaze atandatu akimwaka akamusaba kuba yitonze.


Tuganira na Munyawera, inyuma gato hari Ntezimana akurikiranira hafi abavugisha itangazamakuru

Gusa Habimana avuga ko Munyawera amasezerano yayagiranye na MINAGRI atari koperative, mu mvugo iteruye akumvikanisha ko iby’icyo cyangombwa atabizi, ariko ati “Nyine baramuguriye, bagombaga kujya gukuraho ubutaka bwaguzwe”.


Inyubako ya koperative irimo ibiro n’ububiko bw’umusaruro

Munyawera avuga ko byamudindije kuko yari afite gahunda yo kugisabiraho inguzanyo muri SACCO akiteza imbere, uretse ibyo kandi ngo afite impungenge zikomeye ko ibyabaye kuri Niyonsaba nawe byamubaho akazasanga cyarifashishijwe ubutaka bwe bugatangwaho ingwate atabizi.

Uretse aba hari n’abandi byabereye ikibazo gikomeye kuko n’abagize ayo bagurizwa babazweho imyenda ihabanye n’ibyo bagurijwe nk’uko byagarutsweho n’itsinda ry’abanyamuryango twasanze rihinga mu gishanga, barimo uwitwa Nikuze Delphine, bati “Perezida ubwe ntacyo yari adutwaye, ariko ririya deni hari abo riremereye, ariko ni gute umuntu yaba yaragurijwe ibihumbi mirongo itanu, akishyuzwa ibihumbi Magana atandatu, ayo mafaranga wayishyura ute?”.


Abahinzi twasanze mu murima nabo bavuga ko hari abishyuzwa umurengera

Urutonde dufitiye kopi rw’abarimo umwenda, rugaragaza abanyamuryango 305, bose hamwe bakabamo amafaranga 9,888,819. Ibi bigaragaza ko koperative itizeye aho ubwishyu buzava.

Ku muyobozi w’Akarere aya makuru yari mashya

Umuyobozi w’Akarere ka Gisagara, Rutaburingoga Jerome, yabashije kutuganiriza kuri iki kibazo hafi saa moya z’umugoroba tariki 15 Ukwakira 2019, gusa kuko yari yamenye amakuru dukeneye, yari yatumyeho Habimana Alexis, babanje kuganirira mu muhezo mu biro bya Meya iminota isaga mirongo itatu, mu biganiro bagiranye yanamubajije umuntu wajyanye iki kibazo mu itangazamakuru.

Meya Rutaburingoga yavuze ko iki kibazo atari akizi ariko ko mu biganiro yari amaze kugirana na Habimana yamubwije ukuri uko byagenze, agira ati, “Buriya uramfashije, numvaga gusa ngo muri Koperative harimo ibibazo nkabyumva nk’ibintu bisanzwe! Ariko ubundi ibyo uvuga byo byabayeho sinakubeshya rwose. Muri ya mafaranga batse banki ngo yabahaye menshi, wa muntu ushinzwe inguzanyo muri Bank arababwira ati n’ubundi nimuyagarura bazabaka inyungu, nimuyangurize mbasinyire ko nzayabishyura n’inyungu zayo, baba barayamuhaye icyemezo gifatwa na Perezida n’Umucungamutungo gusa.”


Meya Rutaburingoga mu biro bye aganira n’umunyamakuru

Uyu muyobozi avuga ko ibyakozwe na Habimana bigize icyaha kandi nawe abyemera ariko ko ari utuntu duto ndetse agira inama umunyamakuru yo kureka iyi nkuru akajya avuga ibyiza gusa bikorerwa muri aka karere kuko nawe agakomokamo.

Ibindi Meya avuga ko bidasobanutse ni uburyo Banki yandika umwenda ku muntu ku giti cye kandi warasabwe na koperative nk’uko byagendekeye umukecuru Niyonsaba. Ntiyumva kandi uburyo Banki ibura gukura ubwishyu mu ngwate iba yarahawe ikajya gushyirisha abantu muri CRB.

Ushinzwe ishami ry’ubucuruzi mu Urwego Banki, Ndoli John Bosco, avuga ko mu mikorere y’amakoperative nta ngwate batanga kuko intego y’ibigo by’imari bito n’ibiciriritse ari ukuzamura abaturage akenshi usanga badafite n’ingwate bakwerekana ngo bagurizwe n’amabanki y’ubucuruzi. Asobanura ko n’ubwo Banki iba yaragurije koperative ndetse ikaba ari nayo yishyuza, buri munyamuryango aba afite amafaranga y’umwenda amwanditseho. Ibi bigaragaza ko za miliyoni zirindwi zifite abanyamuryango zanditseho aricyo cyazamuye umubare w’umwenda bamwe babarwaho.


Ndoli John Bosco asobanura imitangire y’inguzanyo mu bigo by’imari bito

Ndoli agira ati “Iyo bagiye gufata inguzanyo nta ngwate tubasaba, ababahagarariye nibo bahitamo noneho bakaza kuko koperative iba irimo abantu benshi cyane, haza ababahagarariye, kuri iriya koperative ho haje Perezida n’Umucungamutungo. Ubundi abandi bo baba basinye, nibo bahitamo ayo bafata bakaduhereza tukayabaha.”

Gusa avuga ko ibyo umukozi wayo yakoze ari amakosa kuko nk’umunyamwuga atagombaga kwakira amafaranga y’abakiriya. Banki ikibimenya yahise imukoraho ubugenzuzi bwihariye bwatangiye tariki 10 bugeza tariki 27 Ukwakira 2018, amakosa aramuhama bamusezerera mu kazi.

Umuyobozi w’Ikigo cy’igihugu gishinzwe guteza imbere amakoperative, Harelimana Jean Bosco, avuga ko kuba umuyobozi w’akarere yavuga ko ikibazo nk’iki atakizi “Nta kitareba Meya muri Koperative, nk’uko iyo mu kigo nderabuzima harimo ikibazo abibazwa, ni nako muri koperative iyo harimo ikibazo abibazwa “.

Ku kibazo cya KOABIRWIKI, avuga ko nk’izindi koperative zose zifite ubuzimagatozi, ari uburenganzira bwazo gufata ibyemezo ibyo ari byo byose byaba gusaba inguzanyo, gutanga impano n’ibindi, ati “Ariko iyo ibyo byemezo bibaye bibi bigatera imicungire n’imiyoborere mibi, twe duhita tubimenya ako kanya, abacunze nabi turagenda tugakora ubugenzuzi, tukahava twizeye ko tubashyikirije inzego z’ubutabera “.

Nk’uko inzego zombi zibyemeza, kuva ibi byamenyekana nta bugenzuzi akarere cyangwa RCA byakoreye iyi koperative ngo hakurikiranwe imvano n’icyakorwa ngo irusheho kubera abanyamuryango inzira yo gutera imbere.

Iyi nkuru yatunganyijwe ku bufatanye n’Ishyirahamwe ry’Abanyamakuru mu Rwanda, ARJ.