Abahagarariye ibigo bito by’ubucuruzi mu Rwanda byo mu nzego zinyuranye kandi bitandukanye mu bunini bw’ibikorwa by’ubucuruzi bikora, ku wa Kabiri, tariki ya 12 Gicurasi 2020, bitabiriye umwiherero ugamije kuzahura ubucuruzi wateguwe n’Ikigo Nyafurika gishinzwe Icungamutungo (AMI).
- Ba rwiyemezamirimo mu nzego zitandukanye bakanguriwe gukoresha ikoranabuhanga mu bucuruzi bwabo
Jean Bosco Iyacu wo mu kigo Access to Finance Rwanda (AFR), ni we wafunguye uwo mwiherero witabiriwe hakoreshejwe ikoranabuhanga, atanga ubutumwa bwo kwisungana basuzuma uko Ibigo Bito n’Ibiciriritse (SME) byabasha guhangana n’ibihe bikomeye, no kwiga ku ishusho y’Ibigo Bito n’Ibiciriritse mu Rwanda.
Muri uwo mwiherero, hatanzwe ibiganiro mu rurimi rw’Ikinyarwanda ku wa Kane tariki ya 14 Gicurasi 2020, ibiganiro byari bigamije gusuzuma uburyo ubucuruzi bwakomeza hubahirizwa ingamba n’amabwiriza by’ingirakamaro mu igenamigambi mu gihe cy’Icyorezo cya COVID-19.
Muri izo ngamba n’amabwiriza harimo:
• Guteganya ingamba wafatira ubucuruzi ukora – ni gute ukemura ibibazo byerekeye abakiriya, abagemura ibicuruzwa, ibikorwaremezo, abakozi n’uko ugenzura amafaranga winjiza n’ayo usohora? Ese ubucuruzi buzabangamirwa gute nindamuka mfunze cyangwa ubucuruzi bugakendera mu byumweru bibiri? Nibimara amezi abiri bizagenda bite?
• Gusuzuma ingaruka zishingiye ku kigo – gusuzuma ibyiciro bitandukanye by’ibigo by’ubucuruzi, ingorane bihura na zo n’uburyo bigerageza kubyitwaramo. Ni iki wakora niba udashobora kubona ibicuruzwa ushyira mu iduka ryawe, cyangwa ibyo ugurisha abakiriya bakugana?
• Ingaruka ku mafaranga winjiza n’ayo usohora – icyo wakora mu gihe amafaranga winjiza n’ayo usohora agizweho ingaruka n’ifunga ritateganyijwe cyangwa igihe ingano y’amafaranga winjiza n’ayo usohora iri ku gipimo cyo hasi.
Ni iki abitabiriye umwiherero babivuzeho?
Abitabiriye uwo mwiherero bagize bati “Izi ni zimwe mu ngamba ziboneye tuzifashisha.”
“Turashimira AMI n’itsinda ryateguye uyu mwiherero kubera ko wagenze neza kandi wagize ibyo utwungura.”
Abitabiriye umwiherero bose bagejejweho ibikoresho bifashisha nk’impapuro zigaragaza igenamigambi ry’amafaranga yinjira n’asohoka, zateguwe na AMI, kugira ngo zifashishwe mu kubunganira mu bikorwa byabo by’ubucuruzi. Ibyo bikoresho bitangirwa ubuntu kandi byateguwe by’umwihariko hasesengurwa ibibazo bivuka mu gihe cy’Icyorezo cya COVID-19 kandi bikubiyemo n’amasomo y’inyongera.
Ibi bikoresho n’ibiganiro byatanzwe ni ingirakamaro kubera ko icyorezo gishobora gukomeza kubangamira Ibigo Bito n’Ibiciriritse mu Rwanda – no hirya no hino ku isi – kuko igihe kizamara kitazwi.
Nk’uko Diederik Wokke wo muri AMI abibona, ibigo byinshi bito byabanje gutekereza ko bizagirwaho ingaruka mu byumweru bibiri gusa bya mbere ingamba zo guhagarika ibikorwa bitari iby’ingenzi zigitangira. Kubera ko ubu ibintu bitangiye kujya mu buryo ariko buhoro buhoro, ibigo biracyakeneye kubaka ubumenyi ngiro no gufata ingamba z’igihe kiri imbere gikomeje kubera abenshi urujijo.
Ibiganiro byatangiwe muri uwo mwiherero byagaragaje bimwe mu bibazo biri mu Bigo Bito n’Ibiciriritse muri iki gihe. Urugero, ingorane mu kumvikana n’abagemura ibicuruzwa zirarushaho gukomera kuko muri iki gihe ibikorwa by’ubucuruzi bigenda bifungura buhoro buhoro.
- Ba rwiyemezamirimo bafite ibikorwa bito n’ibiciriritse barakangurirwa gukoresha urubuga rwabashyiriweho kugira ngo rubafashe gukora ubucuruzi bifashishije ikoranabuhanga
Iduka rikorera mu mwanya ukodeshwa rishobora kuba ryararushijeho koroherezwa mu byerekeye kwishyura ubukode mu gihe ibikorwa bitari iby’ingenzi bihagaritswe, ariko ubu ibintu biragenda bihinduka uko mu gihugu ibikorwa bigenda bikomorerwa.
Mu gusoza, haracyari ibibazo byinshi mu myishyuranire no guhererekanya amafaranga kubera ingamba zo kubahiriza intera hagati y’abantu mu buryo bwose bushoboka. Ibigo byinshi byahisemo kwishyurana hakorehejwe ikoranabuhanga ku buryo bikiri kwimenyereza izo mpinduka.
Icyakora, kubera igenamigambi, imicungire ndetse n’amikoro akenewe nk’aboneka mu Bigo Bito n’Ibiciriritse mu buryo n’ingamba bifite byo guhangana n’ibihe bikomeye, ibigo bito bizarushaho kugira amahirwe yo kutazahazwa n’ingaruka z’iki cyorezo.
Shakisha amakuru arambuye ku masomo tuzabagezaho ubutaha, usura “Expanding My Skills” ku rubuga rwa SME Response Clinic ari rwo https://smeresponse.clinic no kuri Facebook.
