Hatangijwe Umwiherero ku mirimo y’ubucuruzi ikorwa hifashishijwe ikoranabuhanga mu Rwanda

Ku wa Kabiri, tariki ya 12 Gicurasi 2020, abahagarariye ibigo bito by’ubucuruzi mu Rwanda byo mu nzego zinyuranye kandi bitandukanye mu bunini bw’ibikorwa by’ubucuruzi bikora bitabiriye Umwiherero ugamije Kuzahura Ubucuruzi wateguwe n’Ikigo Nyafurika gishinzwe Icungamutungo (AMI).

Jean Bosco Iyacu wo mu kigo Access to Finance Rwanda (AFR), ni we wafunguye uwo mwiherero witabiriwe hakoreshejwe ikoranabuhanga atanga ubutumwa bwo kwisungana basuzumwa 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, ibiganiro bizatangwa mu rurimi rw’Ikinyarwanda ku wa Kane, tariki ya 14 Gicurasi 2020, bizasuzuma 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?

“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 bazagezwaho 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. 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 no kuri Facebook.

Rwandan Online Business Bootcamp Launched

On Tuesday, May 12th, small businesses in Rwanda from different sectors and with different business sizes joined the FREE “Business Survival Bootcamp”  facilitated by the African Management Institute (AMI).

Jean Bosco Iyacu of Access to Finance Rwanda (AFR), opened the webinar with a message of solidarity for the SME Response Clinic and SMEs in Rwanda.

The webinar, which will be held in Kinyarwanda on Thursday, May 14th, takes businesses through important tools for planning during the COVID-19 pandemic. These include:

    • Scenario planning for your business – how do you deal with issues regarding customers, suppliers, infrastructure, staff and cash flow? How will these be affected if I close or have slow business for two weeks? What if it is two months?
    • Organizational risk assessments – looking at the different dimensions of business, the risks they face, and how to mitigate them. What do you do if you can’t get the goods you need for your store, or supply your customers?
    • Impact on cash flow – what to do if and when your cash flow is affected by an unexpected closure or low period.
WHAT PARTICIPANTS HAD TO SAY

“These will be great resources to use.”

“Thanks AMI and team for this lovely webinar and the resources.”

 

All participants are given access to tools, such as cash flow planning spreadsheets, from AMI to use to help in their own businesses. These resources are free and designed specifically to navigate the issues in the COVID-19 pandemic, and include additional courses.

These tools and conversations are important given that the pandemic is likely to continue to affect SMEs in Rwanda – and around the world – for an unknown period of time. According to Diederik Wokke of AMI, many small businesses originally thought they would be affected for just the first two weeks of the lockdown. Now that the situation is stabilizing but slowly, businesses still need to build these skills and plan for a more uncertain future.

Conversation during the training highlighted some of the questions that SMEs have right now. For example, supplier negotiation is becoming more difficult now that businesses are able to open little by little. A shop renting a space may have had more flexibility in terms of payment during the lockdown, but this is changing as the country opens.

Finally, there are still many questions around payments and transferring to contactless mechanisms as much as possible. Many businesses are switching to digital payments and are still in the learning phase.

But with planning, management, and resources like those available from the SME Response Clinic, small businesses will be more likely to survive this pandemic.

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