COOJAD ubundi ni impine y’amagambo y’Igifaransa(Cooperative de la Jeunesse pour l’auto-emploi et le developpement),bishatse kuvuga mu Kinyarwanda ko ari Koperative y’urubyiruko rugamije kwihangira umurimo no kwiteza imbere.
Nk’uko bisobanurwa n’umucungamutungo wa Coojad-Bugesera, Mucyeza Denyse, ngo ni Koperative yatangijwe n’urubyiruko rwo mu Mujyi wa Kigali rufashijwe n’Inama y’Igihugu y’Urubyiruko ndetse n’Umujyi wa Kigali.
Bimaze kwemezwa ko iyo Koperative ijyaho, urubyiruko rwasabwaga gutanga amafaranga y’umugabane agera ku bihumbi icumi (10.000Frw), umuntu akaba yayishyurira rimwe abishoboye cyangwa se mu byiciro. Ayo mafaranga amaze gukusanywa ngo yashyizwe kuri konti ya Coojad yafunguwe muri Banki nkuru y’igihugu ‘BNR’,ni uko Coojad ya mbere yavutse mu 2007, ishyira icyicaro i Remera hafi ya Sitade.
Icyari kigamijwe mu ishingwa rya Coojad ni ugufasha urubyiruko kubona inguzanyo ku buryo bwihuse mu gihe rufite imishinga yo kwiteza imbere. Nk’uko bisobanurwa na Mwesigwa Robert Umunyamabanga Nshingwabikorwa w’Inama y’Igihugu y’Urubyiruko, akaba yari n’umunyamuryango wa Coojad-Remera.
Avuga ko kubera ishyirwaho ry’izo Coojad ritari riteguye neza ndetse n’ubuyobozi n’imicungire y’imari itaragenze neza, byatumye Coojad-Remera ihomba, kuko hari abantu bari baragiye bafata inguzanyo ntibishyure n’ubu Banki Nkuru y’Igihugu ikaba ifite urutonde rwabo.
Gusa ku bantu bari bafite amafaranga muri Coojad-Remera, Banki nkuru y’igihugu yarayabishyuye, igasigamo makeya ya serivisi nk’uko Mwesigwa akomeza abivuga kuko na we ubwe ngo ari mu bishyuwe na BNR mu gihe Coojad-Remera yari imaze guhomba.
Mucyeza Denyse uhagarariye Coojad-Bugesera, avuga ko iyo Coojad abereye umucungamutungo(Manager),yashinzwe muri Mutarama 2008, itangira gukora ariko ibona ibyangombwa byose biyemerera gukora nka Koperative yigenga muri Nyakanga 2009.
- Mucyeza Denyse
Mucyeza na we avuga ko iyo Koperative itangira yari igamije gufasha urubyiruko kubona inguzanyo ku buryo bworoshye, kuko mu bindi bigo by’imari n’amabanki barusabaga ingwate no kwerekana ubushobozi bwo kwishyura bikabura, icyo gihe Coojad iza ije gukemura icyo kibazo ku rubyiruko.
Coojad-Bugesera ngo yabaye iya mbere muri Coojad zafunguwe mu Ntara nyuma ya Coojad yo mu Mujyi wa Kigali, kuko hari n’izindi zafunguwe mu Ntara zitandukanye ariko ntizakomeza gukora.
Mu zindi Coojad zafunguwe harimo iya Kamonyi, Huye, Nyaruguru, Rusizi, Rubavu, Musanze, Burera ndetse na Nyagatare zose zari zaratangiye gukora ariko, havutse Umurenge-SACCO, ngo byabaye ngombwa ko izo Coojad ziseswa ahubwo zikavangwa n’Umurenge SACCO, cyane ko Umurenge Sacco wari uvutse usanga izo Coojad zitarabona ibyangombwa byuzuye byo gukora.
Izo Coojad zindi zimaze kuvangwa n’Umurenge-Sacco, ubwo ngo hari mu 2010, umutungo zari zifite ndetse n’abakiriya bose bimuriwe mu Murenge-Sacco, bakomezanya na wo. Icyo gihe hasigaye Coojad ebyiri iya Remera n’iya Bugesera gusa, kuko zari zujuje ibyangombwa byo gukora, bisabwa na Banki Nkuru y’Igihugu.
Izo Coojad ebyiri zari zisigaye, zakomeje kubona inkunga ituruka mu nama y’igihugu y’urubyiruko, ariko na yo iza guhagarara, nko kuri Coojad-Bugesera iyo nkunga y’amafaranga yaturukaga mu nama y’igihugu y’urubyiruko ngo yahagaze guhera mu 2011.
Icyakurikiyeho kwari ukwishakamo ibisubizo, igakomeza igakora kandi igasangira abakiriya n’ibindi bigo by’imari nk’uko bisobanurwa n’Umucungamutungo wa Coojad-Bugesera.
Mucyeza ati “Mu ntangiriro twari dufite inkunga y’Akarere ka Bugesera kadutije aho dukorera, ndetse kaduha n’amafaranga yo gutangira gushaka ahantu hacu twakorera, tukagira inkunga y’amafaranga twahabwaga n’Inama y’Igihugu y’Urubyiruko adufasha gukora neza no kugera ku ntego nka Koperative yari ikivuka itariyubaka neza, ariko guhera mu 2011 iyo nkunga yarahagaze, dusigara twishakira ibisubizo kandi turabishobora”.
Mu ntangiriro, Coojad-Bugesera yakoraga ikintu cyo gushishikariza urubyiruko rugize imirenge y’Akarere ka Bugesera kuyoboka Coojad bakagura imigabane, urubyiruko ruranitabira cyane rwose nk’uko bisobanurwa na Mucyeza, ariko Umurenge Sacco uje byarahindutse, urubyiruko rwinshi ruyoboka Sacco kurusha Coojad.
Coojad-Bugesera yagombaga kugabana abakiriya n’Umurenge Sacco ndetse n’izindi Banki zikorera mu Bugesera. Icyo yakoze ni ukurushaho kwegera abakiriya yari ifite, ikabaha serivisi nziza, ntibakerereze abakiriya basabye inguzanyo. Ikindi bakora nk’uko bivugwa n’Umucungamutungo wa Coojad-Bugesera, ni ukuzamura inguzanyo batanga kuko mbere umukiriya yahabwaga inguzanyo itarenze ibihumbi magana atatu y’u Rwanda(300.000Frw), ariko ubu bashobora no kuguriza umuntu Miliyoni eshanu (5.000.000Frw) cyangwa zinarenga.
Mucyeza avuga ko inguzanyo batanga ari zo zibazamura, kuko hari abakiriya bagorana mu kuzishyura, ariko hari abazishyura neza ku buryo ubu muri rusange ngo Coojad-Bugesera imaze gutanga inguzanyo zigera kuri Miliyari ebyiri na Miliyoni ijana na mirongo inani n’ibihumbi mirongo cyenda na bitanu na magana ane na cumi n’atanu (2,183,095,415).
Uwahawe inguzanyo muri Coojad-Bugesera asabwa kwishyura yongeyeho inyungu ya 16% ku mwaka, kandi abakiriya bayo ngo barabyishimira iyo bagereranyije n’inyungu zo mu bindi bigo by’imari n’amabanki. Coojad-Bugesera ubu ifite abakiriya bagera ku bihumbi birindwi birenga (7080).
