Guhuza Koperative zo kubitsa no kugurizanya (Imirenge SACCO) byatangiye gutekerezwaho nyuma y’igihe gito zishinzwe nka bumwe mu buryo bwafasha mu kunoza serivisi no gukumira ubujura bwakorwaga n’abakozi bazo.
Mu 2014, Perezida Kagame yasabye ko umushinga wo gutangiza ‘Cooperative Bank’ yagombaga guhuriza hamwe Imirenge SACCO 416 wihutishwa, uwari Umuyobozi Mukuru wa RCA, Mugabo Damien, icyo gihe yavuze ko nyuma y’umwaka umwe bizaba byatunganye. Gilbert Habyarimana wamusimbuye na we yageze igihe asimburwa na Prof. Harelimana Jean Bosco umushinga ukiri agatereranzamba.
Hagati aho muri Gashyantare 2015, RCA yahaye Ikigo Fintech International Limited, isoko ryo gushyira mu bikorwa umushinga wo guhuza Imirenge SACCO, ariko nticyabasha kubahiriza amasezerano kugeza asheshwe.
Fintech International yari yaramaze kwishyurwa 3.393.218.370 Frw nk’uko bigaragara muri raporo y’Umugenzuzi Mukuru w’Imari ya Leta ya 2019/2020.
Uretse amafaranga yishyuwe Fintech, hari andi yishyuwe serivisi za ‘consultancy’ hamwe n’ayahembwe abakozi bashyizweho na RCA uyu mushinga ugitangira angana na 2.306.233.551 Frw.
Bigeze mu 2017, Imirenge Sacco yaguze ibikoresho by’ikoranabuhanga bifite agaciro ka 3.444.783.902 Frw, byagombaga kwifashishwa mu gihe ‘Cooperative Bank’ yari kuba itangiye, kuri ubu byabuze icyo bikoreshwa.
Muri Kamena 2020, RCA yishyuye Fintech International 406.294.802 Frw mu rubanza rushobora kuba rukomeje muri KIAC (Kigali International Arbitration Center) hagati ya Fintech na RCA, amafaranga Umugenzuzi w’Imari ya Leta avuga ko yapfuye ubusa kimwe n’ayishyuwe serivisi za ‘consultance’ (ni ukuvuga 2 712 528 353 Frw).
Inteko Ishinga Amategeko mu 2019 yasabye Minisiteri y’Ubutabera kwinjira mu kibazo cy’isoko RCA yatanze ryo guhuza mu buryo bw’ikoranabuhanga Imirenge SACCO 416 ryatikiriyemo 3 393 218 370 Frw.
Nyamara Ubushinjacyaha bwavuze ko dosiye yaje gusubikwa nyuma yo gusanga nta wukwiye gukurikiranwaho icyaha ahubwo abari mu micungire y’uyu mushinga wahombye icyo bakoze ari amakosa y’imiyoborere.
Umushinga washyizwe mu maboko ya Minecofin
Kuri ubu umushinga wo guhuza Imirenge SACCO washyizwe mu maboko ya Minisiteri y’Imari n’Igenamigambi (Minecofin) ikaba irimo kuwushyira mu bikorwa ifatanyije na RISA hakoreshejwe abatekinisiye b’imbere mu gihugu.
Biteganyijwe ko uzashyirwa mu bikorwa mu byiciro bitatu bizarangira muri Werurwe 2022, utwaye miliyari indwi z’amafaranga y’u Rwanda.
Uretse igihombo cy’amafaranga atari make hiyongeraho no kuba abaturage batarabonye inyungu zari zitezwe kuri ‘Cooperative Bank’.
Mu bigo bya leta byakorewe igenzura ry’imikoreshereze y’umutungo mu mwaka ushize RCA ntikirimo kubera ko ngo cyarimo kwimurira icyicaro cyacyo mu Karere ka Muhanga mu Ntara y’Amajyepfo.
Imirenge SACCO zashinzwe mu 2009 hagamijwe kwegereza abaturage benshi serivisi z’imari zitabageragaho nk’uko bikwiye. Kuri ubu zikorera mu mirenge 416 yose yo hirya no hino mu gihugu.
Raporo y’inyigo ku miterere ya serivisi z’imari mu Rwanda (FinScope survey 2020) igaragaza ko Abanyarwanda bakuze bagera kuri 77% bakoresha serivisi z’imari zirimo izitangwa n’amabanki, ibigo by’imari na SACCO, ibigo by’ubwishingizi na Mobile money.
