Rwanda Chamber of Women Entrepreneurs/PSF with Support of UN Women provides Business Clinics for Women-Led Businesses affected by COVID-19 in Rwanda

Rwanda Chamber of Women Entrepreneurs/PSF with Support of UN Women provides Business Clinics for Women-Led Businesses affected by COVID-19 in Rwanda

In Rwanda, women-owned businesses account for about one-third of all businesses, a large portion of the economy. As the PSF – Chamber of Women Entrepreneurs’ mandate is to provide advocacy, capacity building, linkages to local and international markets, and experience sharing among women through networking, they initiated a series of Business Clinics to help their members cope during the COVID-19 pandemic, and build back better.

With support from UN Women, and in partnership with BPN Rwanda and the Kora Coaching Group, the Chamber of Women Entrepreneurs assessed their members to find out their challenges and greatest needs during the pandemic. From this assessment, they designed a series of business continuity advisory services combined with psychosocial support services, with one-on-one coaching sessions for a pilot cohort of thirty women-owned businesses in Kigali.

The biggest challenge for women during the pandemic was that it came with no warning, and no business had time to prepare or make a strategy. The major challenges the entrepreneurs faced were that those who had merchandise at customs were unable to access them and had difficulties paying employees when there was no work.

These challenges brought both psychological and professional distress to many businesses. Women in the business clinic needed both support in assessing how their businesses were operating prior to COVID-19, as well as the assistance in making recovery plans for the future.

These interventions have been greatly appreciated by women who were part of the first cohort who noted that they had never imagined that they could find ways to either transform or adjust their business practices to survive the pandemic.

What they have received in terms of knowledge and skills has contributed much more to our businesses than money ever could.”

– Agnès Samputu, Director, PSF Chamber of Women Entrepreneurs

The Chairperson of RCWE insists on the expected outcome and impact of this project on the lives of women entrepreneurs in Rwanda.

“As the Chamber of Women Entrepreneurs, the COVID-19 pandemic provides us with a challenge and an opportunity to advocate for systemic changes and appropriate policies, interventions and actions that protect Rwandan women entrepreneurs and all the women in general from being disproportionately affected by shocks like these in the future. It is our belief that these changes could also have a far-reaching effect on the state of women entrepreneurs and women equality in Rwanda at even more stable times, post COVID-19.”

Jeanne Francoise Mubiligi, The Chairperson, PSF-Chamber of Women Entrepreneurs

UN Women noted that the efforts made through the business clinic to restore women’s businesses and provide the necessary psychosocial support have shown positive results, and that they look forward to continuing these types of business clinics in a sustainable way. Since a core value of UN Women is to “Leave No One Behind,” partners are exploring ways to bring these workshops and mentoring to small businesses in other provinces of the country.

‘‘The COVID-19 crisis is both a health and a socio-economic crisis. With this business clinic we hope to provide the quick and quality support to assist as many women-owned businesses as possible. We have already secured funding to extend the support to 100 women entrepreneurs and we are encouraged that new partners might be joining us in this endeavor. Supporting more women-owned businesses to launch, own and manage small and medium enterprises is integral to our work as UN Women. This is at the heart of our collaboration with the government and with the private sector. As we enter the decade of the SDGs and try to build a better, greener, inclusive, and equitable world post COVID-19, we must ensure that women are not left behind.’’

Fatou Lo, UN Women Representative in Rwanda

To this end, a second cohort will begin soon. While the situation of COVID-19 is stabilizing to some extent, the knowledge and skills conveyed through the business clinic, along with the psycho-social support and mentoring, have the potential to reach out to small businesses nationwide. It may also help women entrepreneurs who are not aware of the Chamber of Women Entrepreneurs to learn about its existence and activities, and motivate them to join.

Currently, the business clinics are available only to those women who are members of the Chamber of Women Entrepreneurs in good standing, and who have expressed their needs and committed to participate in the program and improving or transforming their businesses.

How can one become a member of the PSF chamber?

To become a member of the PSF- Chamber of Women Entrepreneurs, a business woman must have a legally registered business, and pay dues on a yearly basis. For more information, contact the Chamber’s Membership Coordinator, Marie Olga Mukayisenga, or visit them on Twitter (@chamberofwomen):

marieolga1985@gmail.com

womenchamber.psf@gmail.com

To learn more about the Women’s Business Clinics, you can also check out these videos:

CNBC Africa: Chamber Launches Business Clinics…https://www.cnbcafrica.com/videos/2020/07/09/chamber-launches-business-clinics-to-support-women-led-businesses/

KORA Coaching Group: Business Clinic Launch Rwanda Women Entrepreneurs https://www.youtube.com/watch?v=mslpOQ8kUws

CNBC Africa: This Business Advisory Clinic Seeks to Empower Women Entrepreneurs in Rwanda https://www.cnbcafrica.com/videos/2020/07/20/this-business-advisory-clinic-seeks-to-empower-women-entrepreneurs-in-rwanda/

Ishami ry’Abagore mu Rugaga rw’Abikorera, kuwa 21 Kanama

Ishami ry’Abagore mu Rugaga rw’Abikorera hamwe na UN Women batanga amahugurwa ku bucuruzi bwa ba Rwiyemezamirimo b’Abagore mu Rwanda.

Mu Rwanda, ibikorwa by’ubucuruzi by’abagore byihariye hafi kimwe cya gatatu cy’ibikorwa by’ubucuruzi byose, bikaba bigize igice kinini cy’ubukungu. Nk’uko Ishami ry’Abagore mu Rugaga rw’Abikorera rifite inshingano zo kubakorera ubuvugizi, kubaka ubushobozi, kubahuza n’amasoko yo mu gihugu no hanze yacyo, hamwe no gusangira ubunararibonye hagati y’abagore binyujijwe mu gukorana, batangije uruhererekane rw’amahugurwa ku bucuruzi mu rwego rwo gufasha abanyamuryango babo guhangana n’ibibazo byatewe n’icyorezo cya COVID-19, no kurushaho kwiyubaka.

Ku nkunga ya UN Women, no ku bufatanye na BPN Rwanda hamwe na Kora Coaching Group, Ishami ry’Abagore mu Rugaga rw’Abikorera bakoze ubushakashatsi ku banyamuryango babo hagamijwe kureba imbogamizi bahura nazo n’ibyo bakeneye kurusha ibindi mu gihe cy’icyorezo. Muri ubwo bushakashatsi, bashyizeho serivisi zitandukanye z’ubujyanama bwakwifashishwa mu gukomeza ibikorwa by’ubucuruzi hamwe na serivisi z’ubujyanama mu rwego rw’imitekerereze n’imibereho myiza, binyujijwe mu masomo ahabwa buri muntu ku giti cye yahawe ibikorwa by’ubucuruzi 30 by’abagore biri mu cyiciro kimwe muri Kigali byakoreweho igeragezwa.

Imbogamizi ikomeye abagore bahuye nayo mu gihe cy’icyorezo ni uko cyaje gitunguranye, bityo nta gihe cyo kwitegura cyangwa cyo gushyiraho ingamba cyabayeho. Imbogamizi  zikomeye kandi ba rwiyemezamirimo bahuye nazo ni uko abari bafite ibicuruzwa kuri gasutamo batabashije kubibona, kandi ntibanabasha kwishyura abakozi kuko nta kazi kari gahari.

Izi mbogamizi zateje ibibazo mu rwego rw’imitekerereze no mu rwego rw’akazi ku bacuruzi benshi. Abagore bitabiriye amahugurwa ku bucuruzi bari bakeneye ubufasha mu gusuzuma uko ubucuruzi bwabo bwari buhagaze mbere ya COVID-19, hamwe n’ubufasha mu gushyiraho gahunda zo kuzahura ubukungu mu gihe kizaza.

Abagore bitabiriye icyiciro cya mbere bishimiye ibi bikorwa; bavuze ko batigeze batekereza na rimwe ko bashoboraga guhindura cyangwa kujyanisha n’igihe ibikorwa by’ubucuruzi byabo kugira ngo babashe kurokoka icyorezo.

Agnès Samputu, Umuyobozi w’Ishami ry’Abagore mu Rugaga rw’Abikorera yagize ati : «ubumenyi n’ubumenyi ngiro baduhaye bwaradufashije cyane mu bucuruzi bwacu kurusha kuba bari kuduha amafaranga.»

Umuyobozi wa RCWE ashimangira inyungu zitezwe n’impinduka nziza uyu mushinga uzagira ku buzima bwa ba rwiyemezamirimo b’abagore mu Rwanda.

Jeanne Francoise Mubiligi, Umuyobozi w’Ishami ry’Abagore mu Rugaga rw’Abikorera yagize ati:

 «Nk’Ishami ry’Abagore mu Rugaga rw’Abikorera, icyorezo cya COVID-19 cyatubereye imbogamizi ariko kinatubera uburyo bwo gukora ubuvugizi kugira ngo hakorwe impinduka z’uburyo ibintu bikorwamo, hanashyirweho politiki zikwiriye, hamwe n’ibikorwa byo kurengera ba rwiyemezamirimo b’Abanyarwandakazi ndetse n’abagore bose muri rusange kugira ngo mu gihe kizaza batazongera kwibasirwa n’ibibazo nk’ibi cyane kurusha abandi. Twizera ko izi mpinduka zishobora kugira ingaruka ku mibereho ya ba rwiyemezamirimo b’abagore benshi no ku buringanire bw’abagore n’abagabo mu Rwanda mu bihe bisanzwe, nyuma ya COVID-19.”

UN Women yagaragaje ko ibyakoze mu mahugurwa yo kuzahura ubucuruzi bw’abagore hamwe no gutanga ubufasha bukenewe mu rwego rw’imitekerereze n’imibereho myiza byatanze umusaruro, kandi ko bateganya kuzakomeza amahugurwa nk’aya ku bucuruzi ku buryo burambye. Bitewe n’uko indangagaciro ngenderwaho ya UN Women igira iti : « Ntagusiga n’umwe inyuma », abafatanyabikorwa bari kwiga uburyo bwo kuzatanga aya mahugurwa n’ubujyanama ku bacuruzi bato mu zindi ntara z’igihugu.

Fatou Lo, Uhagarariye UN Women mu Rwanda yagize ati:

« COVID-19 ni ikibazo gikomeye ku buzima no ku bukungu n’imibereho y’imiryango. Muri aya mahugurwa ku bucuruzi, twizeye ko tuzatanga ubufasha bwihuse kandi bunoze mu gushyigikira ibikorwa by’ubucuruzi by’abagore byinshi bishoboka. Twamaze kubona amafaranga yo kongera ubufasha dutanga bukagera kuri ba rwiyemezamirimo 100 b’abagore, kandi twizeye ko hari abafatanyabikorwa bashya bashobora kuzadushyigikira muri iki gikorwa. Gufasha abagore benshi gutangiza ibikorwa by’ubucuruzi, kugira no kuyobora ibigo by’ubucuruzi bito n’ibiciriritse biri mu nshingano zacu nka UN Women. Iki ni ikintu cy’ingenzi mu mikoranire yacu na guverinoma hamwe n’urwego rw’abikorera. Bitewe n’uko turi muri Gahunda y’Intego z’iterambere rirambye, hamwe no kugerageza kubaka isi nziza kurushaho, yita ku bidukikije, idaheza, kandi idasumbanya nyuma ya COVID-19, tugomba gukora ku buryo abagore badasigara inyuma

Ni muri uru rwego, ikindi cyiciro kizatangira vuba. Uko COVID-19 izagenda igabanuka, ubumenyi n’ubumenyi ngiro bwatanzwe mu mahugurwa ku bucuruzi, hamwe n’ubufasha mu rwego rw’imitekerereze n’imibereho, ndetse n’ubujyanama, bizagera ku bacuruzi bato mu gihugu hose. Bizafasha kandi ba rwiyemezamirimo b’abagore batari bazi Ishami ry’Abagore mu Rugaga rw’Abikorera kumenya ko ririho n’ibikorwa rikora, bityo bikanabatera imbaraga zo kurijyamo.

Muri iyi minsi, amahugurwa ku bucuruzi ahabwa gusa abagore bari mu Ishami ry’Abagore mu Rugaga rw’Abikorera bagaragaje ko bayakeneye kandi bakiyemeza kugira uruhare muri iyo gahunda, kandi bakanoza cyangwa bagahindura ubucuruzi bwabo.

Ni gute umuntu aba umunyamuryango w’Ishami ry’Abagore mu Rugaga rw’Abikorera?

Kugira ngo abe umunyamuryango w’Ishami ry’Abagore mu Rugaga rw’Abikorera, rwiyemezamirimo w’umugore agomba kuba afite ubucuruzi bumwanditseho ku buryo bwemewe n’amategeko, kandi akishyura umusanzu buri mwaka.  Ku yandi makuru, wakwegera Umuhuzabikorwa ushinzwe abanyamuryango b’Ishami ry’Abagore mu Rugaga rw’Abikorera, Marie Olga Mukayisenga, cyangwa ukabasura kuri Twitter yabo (@chamberofwomen):

marieolga1985@gmail.com

womenchamber.psf@gmail.com

Ushaka kumenya byimbitse ibyerekeranye n’amahugurwa ku bikorwa by’ubucuruzi by’abagore, ushobora kureba aya mashusho:

CNBC Africa: Chamber Launches Business Clinics…https://www.cnbcafrica.com/videos/2020/07/09/chamber-launches-business-clinics-to-support-women-led-businesses/

KORA Coaching Group: Business Clinic Launch Rwanda Women Entrepreneurs https://www.youtube.com/watch?v=mslpOQ8kUws

CNBC Africa: This Business Advisory Clinic Seeks to Empower Women Entrepreneurs in Rwanda https://www.cnbcafrica.com/videos/2020/07/20/this-business-advisory-clinic-seeks-to-empower-women-entrepreneurs-in-rwanda/

 


Relief Measures for Women Entrepreneurs

Relief Measures Available for Women Entrepreneurs During and Post COVID-19

Relief Measures for Women Entrepreneurs

Relief Measures Available for Women Entrepreneurs During and Post COVID-19

 

 New Faces New Voices Rwanda in collaboration with the SME Response Clinic will be hosting a live discussion focused on existing government relief measures that can help support women entrepreneurs during and post COVID-19. The discussion will be hosted on the SME Response Clinic’s Facebook page at 3:00 pm on July 16 and will be held primarily in Kinyarwanda.

Micro, small, and medium enterprises (MSMEs) play a significant role in the Rwandan economy and contribute to sustain livelihoods for many.  According to the National Institute of Statistics of Rwanda’s Establishment Census 2017, the sector, including private sector and cooperatives, represents 99% of businesses and over 70% of in-establishment employment. Women entrepreneurs are a vital force in Rwanda’s economy. Statistics from the National Gender Policy in Rwanda indicate that women head 42 percent of enterprises and comprise 58 percent of enterprises in the informal sector, which accounts for 30 percent of GDP. National surveys indicate that women entrepreneurs also have a tremendous impact on job creation in Rwanda, with many hiring between 3 and 5 employees to work in their businesses.

In addition to contributing to the development of their local communities through offering employment opportunities, women entrepreneurs contribute substantially to the development of their families through health and nutrition, ensuring funds are available for school fees and higher education for their children, and making improvements to their homes with profits from their businesses. Their contributions, however, are not without challenges. Women entrepreneurs in Rwanda face difficulties in access to three important factors: information, business skills training and development, and finance. They grapple with issues such as high taxes and transportation costs as well as discrimination in property ownership.

As in many markets across the globe, women entrepreneurs in Rwanda have been adversely affected by the COVID-19 pandemic, and measures to contain the spread of the virus have deepened some of the existing challenges they face. In the face of drops in demand or disruptions in the supply chains, a number of jobs have been lost or are at the brink while loans, taxes and rent are going unpaid. To respond to the challenge, the Government of Rwanda introduced the Economic Recovery Fund (ERF) as a mechanism to mitigate the threats that the pandemic is putting on the sector. Due to known barriers women in business face, there is a legitimate concern that without a deliberate effort women-owned/led MSMEs are likely to remain ill-informed and their uptake of ERF less than optimal.

To provide information about ERF and other private and public sector measures available to support women entrepreneurs in these uncertain times, New Faces New Voices Rwanda in collaboration with the SME Response Clinic will be hosting a live discussion focused on how government measures to address the economic effects of COVID-19 can support women entrepreneurs. The discussion will be hosted on the SME Response Clinic’s Facebook page at 3:00 pm on July 16. To increase accessibility for women entrepreneurs, the event will be held primarily in Kinyarwanda.

Panelists include:

Dr. Monique Nsanzabaganwa, Deputy Governor, National Bank of Rwanda

Jeanne Françoise Mubiligi, Chairperson, Rwanda Chamber of Women Entrepreneurs

Claude Kabutware, Project Coordinator, Pro- Femmes Twese Hamwe

Hannington Namara, Managing Director, Equity Bank Rwanda

The panel will be moderated by Ida Ingabire, Secretariat at New Faces, New Voices Rwanda and Ruziga Emmanuel Masantura, Business Jounalist, Rwanda Broadcasting Agency

 This discussion will be the first of a two-part conversation with key stakeholders in the Rwandan economy. The second webinar, scheduled for July 30, will focus on how financial services providers are addressing the specific needs of women entrepreneurs in the face of COVID-19.

Ingamba zo kuzahura ubucuruzi zafashwe kuri ba rwiyemezamirimo b’abagore mu gihe cy’icyorezo cya COVID-19 na nyuma yacyo.

 

New Faces New Voices Rwanda ku bufatanye na SME Response Clinic, izacisha ikiganiro kirimo kuba ako kanya ku ipaji yayo ya Facebook ku kuntu ingamba za Leta n’iz’Urwego rw’abikorera zo guhangana n’ingaruka za COVID-19 zafasha ba Rwiyemezamirimo b’abagore. Icyo kiganiro kizacishwa ku ipaji ya Facebook ya SME Response Clinic saa 15:00 kuwa 16 Nyakanga, na ururimi ruzakoreshwa cyane mu nama ni Ikinyarwanda.

 

Ibigo by’ubucuruzi bito n’ibiciriritse bigira uruhare rukomeye mu bukungu bw’u Rwanda, kandi bikanatunga abantu benshi. Hashingiwe ku ibarura ryakozwe mu 2017 n’Ikigo cy’Igihugu cy’Ibarurishamibare ku bikorwa by’ubucuruzi n’imirimo mu Rwanda, uru rwego, harimo n’abikorera ku giti cyabo n’amakoperative, byihariye 99% by’ibikorwa by’ubucuruzi na hejuru ya 70% by’imirimo yose.  Ba Rwiyemezamirimo b’abagore bafatiye runini ubukungu bw’u Rwanda. Imibare yatanzwe na Politiki y’Uburinganire mu Rwanda igaragaza ko abagore bayobora 42 ku ijana by’ibigo by’ubucuruzi, kandi bakaba bihariye 58 ku ijana by’ibigo by’ubucuruzi bibarizwa mu bucuruzi butanditse, bigira uruhare rwa 30 ku ijana mu Musaruro mbumbe w’Igihugu.  Ubushakashatsi butandukanye bukorwa mu Gihugu bugaragaza kandi ko ba Rwiyemezamirimo b’abagore bagira uruhare rukomeye mu guhanga imirimo mu Rwanda, aho abenshi baha akazi hagati y’abakozi batatu na batanu mu bikorwa by’ubucuruzi byabo.

Uretse uruhare bagira mu guteza imbere aho batuye binyuze mu gutanga akazi, ba Rwiyemezamirimo b’abagore banagira uruhare runini mu iterambere ry’imiryango yabo mu buzima ndetse n’imirire, aho batanga amafaranga y’ishuri, bakarihira abana babo mu mashuri makuru, kandi bagateza imbere ingo zabo babikesheje ubucuruzi bwabo. Ariko nubwo batanga uwo musanzu, ntihabura n’imbogamizi. Ba Rwiyemezamirimo b’abagore mu Rwanda bahura n’ibibazo mu kugera ku bintu bitatu by’ingenzi bikurikira : amakuru, amahugurwa ku bumenyi bwo gukora no guteza imbere ibikorwa by’ubucuruzi, no kubona imari. Babangamirwa n’ibibazo bitandukanye nk’imisoro ihanitse, ikiguzi cyo gutwara ibicuruzwa, ndetse no gukorerwa ivangura rishingiye ku mutungo.

Nk’uko bimeze no mu yandi masoko atandukanye ku Isi, ba Rwiyemezamirimo b’abagore mu Rwanda bagizweho ingaruka n’icyorezo cya COVID-19, kandi ingamba zo guhagarika ikwirakwira ry’iyo virusi zatumye imbogamizi bahura nazo zirushaho kugira ubukana.  Bitewe n’uko abaguzi bagabanutse no kuba gukwirakwiza ibicuruzwa bidakorwa neza, abantu benshi babuze akazi cyangwa barenda kukabura, mu gihe inguzanyo, imisoro n’ubukode bitishyurwa. Mu rwego rwo guhangana n’iki kibazo, Guverinoma y’u Rwanda yatangije Ikigega cyo Kuzahura Ubukungu nk’uburyo bwo kugabanya ingaruka icyorezo cya COVID-19 kiri kugira kuri uru rwego. Hashingiwe ku mbogamizi zizwi abagore bari mu bikorwa by’ubucuruzi bahura nazo, hari impungenge ko hadashyizweho ingamba zifatika, Ibigo by’ubucuruzi Bito n’Ibicirirtse bifitwe cyangwa biyobowe n’abagore bishobora kutamenya amakuru, bityo bigatuma batitabira Ikigega cyo Kuzahura Ubukungu uko bikwiye.

Mu rwego rwo gutanga amakuru ku Kigega cyo Kuzahura Ubukungu no ku zindi ngamba zihari za Leta n’iz’Urwego rw’abikorera zo gushyigikira ba Rwiyemezamirimo b’abagore muri ibi bihe bigoye, New Faces New Voices Rwanda, ku bufatanye na SME Response Clinic izacisha ikiganiro kirimo kuba ako kanya ku ipaji yayo ya Facebook ku buryo ingamba za Leta zo guhangana n’ingaruka za COVID-19 zafasha ba Rwiyemezamirimo b’abagore. Icyo kiganiro kizanyura ku ipaji ya Facebook ya SME Response Clinic saa 15:00 kuwa 16 Nyakanga. Mu rwego rwo kugira ngo ba Rwiyemezamirimo b’abagore benshi babashe kugikurikirana, muri icyo gikorwa hazakoreshwa Ikinyarwanda cyane.

Abazatanga ibiganiro barimo:

Dr. Monique Nsanzabaganwa; Umuyobozi Wungirije wa Banki Nkuru y’ u Rwanda,

Jeanne Françoise Mubiligi; Umuyobozi w’Ishami ry’Abagore mu Rugaga rw’Abikorera,

Claude Kabutware; Uhagarariye Imishinga muri Pro- Femmes Twese Hamwe, na Hannington Namara, Umuyobozi Mukuru wa Equity Bank, Rwanda.

 

Ibiganiro bizayoborwa na Ida Ingabire, Umunyamabanga wa New Faces, New Voices Rwanda na Ruziga Emmanuel Masantura, Umuyamakuru mu Bukungu Rwanda Broadcasting Agency.

Iki kiganiro kizaba ari igice cya mbere cy’ibiganiro bibiri bizakorwa n’abafatanyabikorwa b’ingenzi mu bukungu bw’u Rwanda. Inama ya kabiri iteganyijwe kuwa 30 Nyakanga, kikaba kizibanda ku buryo abatanga serivisi z’imari bari gufasha by’umwihariko mu gukemura ibibazo ba Rwiyemezamirimo b’abagore bahura nabyo kubera COVID-19.

 


Online Business Bootcamp Signup submit

Thank you for signing up. We will send  the webinar link to your email.  If you have any questions kindly get in touch with us at rwanda@africanmanagers.org or  call +250 787 339 435

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How to Access AMI's Free Training

How to Access AMI’s Free Training

We know things are tough for entrepreneurs right now and believe you want to explore ways of improving your business in the face of COVID-19. The 90-minute webinar, Reboot and Adapt Your Business: Innovation in the “New Normal,” is a great place to start! There are only two simple steps you need to follow to participate in the AMI’s free training.

Step 1. Sign up by filling out this form.  Once you sign up, you will receive a confirmation email. The email will include a link to a platform called Zoom.

Step 2. About 10 minutes before the webinar begins, open the confirmation email and click on the meeting link, and it will launch the platform. Then, the facilitator will walk you through how to use the platform.

If you have any trouble, reach out via WhatsApp at +250 78 7339 435 or via email at rwanda@africanmanagers.org. After the webinar, you will receive an email with log-in information to access free tools and to engage in a community discussion with participants.

You can ask questions anytime either via the Reboot and Adapt community on the AMI platform or via the WhatsApp group.


What can I do if I have corporate income taxes and/or personal income taxes due, but I cannot fully pay?

What can I do if I have corporate income taxes and/or personal income taxes due, but I cannot fully pay?

 

As of 24 June 2020, the Rwanda Revenue Authority (RRA) has authorized taxpayers like you to make partial payments on your corporate income taxes and/or personal income taxes.

RRA recognizes the financial hardship that many people – especially SMES – are facing at this time, and has issued this authorization to help those struggling with cashflow.

This means that at this moment you may make a partial payment. If you owe, for example, 100,000 RWF in taxes, but you can only pay 50,000 at this time, it will be accepted. 50% of your taxes owed will have been paid at this time.

Remember to keep all receipts and documentation so that in the future, when full taxes will be due, you have your paperwork in order!

For more information, as well as contact information if you need more clarification, see the Authorization on RRA’s website here:

Authorization to Receive Partial Tax Payments: 24 June 2020.


Assessing Your Business Risk

Assessing Your Business Risk

The International Labour Organization (ILO) has developed a Self-Assessment Tool that is designed to help small and medium-sized enterprises (SMEs) during the COVID-19 crisis. The SME Response Clinic has adapted the tool for use in Rwanda.

The goal of the tool is to help SMEs like you to assess the level of risk and vulnerability of your business by looking at four key aspects of your business called the “4Ps” by the ILO:

People

How are your workers and their families affected by COVID-19?

Processes

How are the everyday operations of your business affected?

Profits

To what extent is your income and revenue affected?

Partnerships

How is the environment around your business affected by COVID?


Ubufasha Cogebanque iha ibigo (SMEs) bikorana na yo muri ibi bihe by’Icyorezo

Ubufasha Cogebanque iha ibigo (SMEs) bikorana na yo muri ibi bihe by’Icyorezo

Ihuriro rishinzwe kwiga uburyo ibigo bito n’ibiciriritse (SME) bihangana n’ingorane byatewe n’icyorezo cya COVID-19 ryaganiriye na Joel Kayonga, Umuyobozi ushinzwe Ubucuruzi muri Cogebanque ku byerekeye ingaruka zihariye zibangamiye ibyo bigo n’ingamba iyi banki irimo gufata kugira ngo ibufashe muri iki gihe bikomeje guhangana n’ingaruka byatewe n’iki cyorezo.

Nubwo ingamba zafashwe mu rwego rwo kwirinda icyorezo zigenda zoroshywa, haracyari kare kugira ngo abakiriya bagire ibyemezo bikomeye bafata byerekeye ibikorwa by’ubucuruzi bakora. Ba nyiri ibigo by’ubucuruzi ubu bahisemo kuba bategereje ngo barebe ko hari impinduka zigaragara ziba. Kubera umwuka uteye utyo, SMEs zikeneye kubona amakuru ku gihe yerekeye uburyo ibintu birimo kugenda bihinduka. 

Ni izihe ngorane zikomeye zibangamiye SMEs muri iki gihe?

Ingorane ya mbere ni ukuzahara kw’ibikorwa by’ubucuruzi. Gahunda yo gufunga bimwe mu bikorwa bitari iby’ingenzi yatumye ibikorwa by’ubucuruzi  bihagarara.  Ingorane zihari ni izifitanye isano no kubona igishoro cyo gukoresha mu kwishyura imishahara y’abakozi no kwegeranya amikoro mu rwego rwo kwitegura gusubukura ibikorwa by’ubucuruzi. Inzego z’imirimo zitagizweho ingaruka cyane ni ubuhinzi bugamije ubucuruzi n’ubw’ibihingwa ngengabukungu byoherezwa mu mahanga. Urwogo rw’amahoteri n’amacumbi  ni rwo rwagizweho ingaruka cyane kubera ingamba zo kugabanya urujya n’uruza rw’abantu.

Mu gihe ingamba zo kwirinda icyorezo zirimo koroshywa, haracyari imbogamizi kuko imipaka  yakomeje gufungwa. U Rwanda rutumiza mu mahanga ibyinshi mu bicuruzwa ku masoko yarwo kandi ba rwiyemezamirimo bakenera gukora ingendo  kugira ngo babashe gushora amafaranga bahaha ibicuruzwa. Abakiriya  ntibazabasha kubona ibicuruzwa bakeneye imipaka itarafungurwa, ni yo mpamvu, ”bahisemo kuba bategereje kugira ngo ibintu bisubire mu buryo.”

Watubwira ubufasha banki igenera ibigo bito n’ibiciriritse (SME) bikorana na yo?

Ibyinshi mu bigo bito n’ibiciriritse (SME) bikorana na banki yacu byatugaragarije ko bikeneye ko inguzanyo  zabyo zivugururwa, ni yo mpamvu turimo gukora ibishoboka ngo dufashe ibyo bigo tubyorohereza  kwishyura inguzanyo kandi tubyongerera igihe cyo kwishyura izo nguzanyo. Nka banki, Cogebanque yibanda ku nzego z’imirimo zazahajwe cyane n’ibi bihe turimo by’icyorezo ifasha bimwe mu bigo bikorana na yo kuzahura ubucuruzi byabyo. Iyo ikigo cyishyuraga neza  kandi ingorane gihura na zo  zikaba zifitanye isano n’Icyorezo cya COVID-19, icyo gihe banki yahitaga igisonera kwishyura inguzanyo mu gihe cy’amezi atatu (3). Ariko ku bigo byo mu nzego zimwe na zimwe  by’umwihariko amahoteri n’urwego rw’ubukerarugendo, byasubikiwe kwishyura mu gihe cy’amezi atandatu (6). Banki kandi irifuza kongera igihe iyi gahunda izamara bitewe  n’uko ibintu bizaba byifashe, kubera ko bizatwara igihe kirekire kugira ngo ibi bigo bisubukure neza ibikorwa byabyo. Cogebanque kandi yahaye inguzanyo zihuse abakorera umushahara cyangwa ibindi bigo byari bikeneye kongera igishoro.

Ni gute banki yabashije gukomeza serivisi iha Ibigo bito n‘ibiciriritse (SMEs) bikorana na yo?

Ubwo hatangizwaga ingamba zo guhagarika ingendo n’ibikorwa by’ubucuruzi bitari iby’ingenzi, twasanze ari ngombwa gufunga amwe mu mashami kubera igabanuka ry’urujya n’uruza rw’abantu n’ibintu. Muri Kigali, amashami atatu (3) ni yo yakomeje gufungura ariko twanagabanyije amasaha y’akazi. Mu by’ukuri nta kirogoya yabaye muri serivisi dutanga kuko banki yari yashyizeho ubundi buryo bwo guha serivisi abayigana. Twasanze abantu benshi baritabiriye gukoresha uburyo bw’ikoranabuhanga, kubona serivisi za banki ukoresheje terefoni ngendanwa, gahunda ya Mobile Wallet (Gahunda y’ikofi) na USSD.

Ibigo (SMEs) bike cyane ni byo byari bitariyandikisha gukorana na banki hifashishijwe murandasi no kugezwaho serivisi za banki hifashishijwe terefoni ngendanwa kubera ko ibyinshi (SMEs) bikunda guhererekanya amafaranga mu buryo bwa cash. Ikintu twiboneye ni uko umubare w’abakiriya bitabiriye gukoresha uburyo bw’ikoranabuhanga banki yacu yabashyiriyeho wazamutse cyane kubera ko guhererekanya amafaranga mu ntoki (cash) gusa bitashobokaga, cyane cyane kubera ko nta wari wemerewe gukora ingendo.

Mu rwego rwo korohereza abakiriya ba banki kubona serivisi batavuye aho bari, Cogebanque yabafashije gukoresha umuyoboro wa WhatsApp n’izindi mbuga nkoranyambaga mu kuzuza imyirondoro no kuyohereza, bityo bibarinda gukora ingendo bajya aho banki ikorera.  Twagejeje ku bakiriya amafishi basabiraho amakarita ya banki (yo kwishyura no kubikuza) hifashishijwe ikoranabuhanga maze tuyaboherereza dukoresheje email. Twoherereje abakiriya amwe mu makuru abagenewe ibindi bisobanuro tubishyira ku rubuga rwacu aho bashobora kubisanga.

Cogebanque provides support to SME customers through the pandemic

The SME Response Clinic spoke with Joel Kayonga, Commercial Director at Cogebanque about specific challenges for SMEs and the actions that the bank is taking to support them during this ongoing pandemic.

Even if the lockdown has been eased, it is a bit early for clients to make big decisions related to their businesses.  Business owners are taking an approach of “let’s wait and see.” Given this, SMEs need timely information about how the situation is evolving. 

What are the biggest challenges SMEs are facing right now?

First, a slowdown in business. The lockdown brought business to a standstill.  Challenges are related mainly to working capital to be used to pay salaries and stock up in preparation for business picking up again. The only sectors that have not been truly affected are agribusiness and commodities. The hospitality sector has been the hardest hit because of restrictions on movement.

While the lockdown has been eased, there are still challenges because borders remain closed.   Rwanda is a net importer, and Cogebanque’s clients need to travel to be able to deploy funds and stock up on goods. Until the borders are open, clients will be unable to do this, so they have the approach of “let’s wait and see.”

Can you tell us about the support the bank is providing to SME customers?

Most of our SME customers have expressed the need to have their facilities refinanced, so we are working to help them smooth their loan repayments and have given them deferments.  As a bank, Cogebanque is focusing relief on specific sectors that have been hit hardest.  If the client was up to date with payments and if the challenges they are facing are clearly COVID-related, the bank automatically gives them a deferment of 3 months.  But for some sectors, specifically hotels and others in the tourism sector, deferments are for 6 months. The bank is also willing to extend these as the situation evolves, because it will take longer for them to see business really pick up again. Cogebanque has also provided small overdrafts for salaries or other urgent capital needs that businesses have.

How has the bank ensured continuity of service to SMEs?

At the beginning of the lockdown, we saw the need to close some branches given reduced traffic. In Kigali, we kept 3 branches open and reduced opening hours, but there were really no disruptions in service given that the bank has alternative channels in place.  We saw a huge jump in terms of traffic on digital platforms, mobile banking, the mobile wallet and USSD.

Quite a few SMEs were not yet registered to our internet banking and mobile banking offerings since most SMEs tend to transact in cash. What we have seen is a growing appetite for clients to use our digital platforms given that doing only cash transactions is not feasible, especially if you can’t move around.

To facilitate onboarding, Cogebanque has had clients use channels like WhatsApp and other platforms to fill out and send documentation, eliminating the need for them to come to an office.  We also availed the forms for application for debit cards and credit cards online and sent them to clients via email. We have also sent out and posted useful tutorials for our clients.


Covid19 Business Survival Bootcamp

Reboot & Adapt Your Business: Innovation in the “New Normal”

With the aim of equipping businesses with practical tools to face challenges brought by COVID-19, African Management Institute (AMI) is conducting a FREE COVID -19 Business Survival Bootcamp. This short learning programme focuses on Reboot & Adapt Your Business: Innovation in the “New Normal” with practical tools and strategies for quickly adapting your products and business.

The bootcamp is designed specifically for business owners and entrepreneurs. Attendance is restricted at these sessions to keep them highly interactive, so please only sign up if you’re an entrepreneur (AMI will be organizing separate webinars for managers and leaders). Please share with other entrepreneurs and business owners in your network.

SCHEDULE

11th August 2020 at 1500hrs – English | Open

Sign up!

Have questions? Please email smeresponseclinic@gmail.com

Covid19 Business Survival Bootcamp

“This initiative that has helped us through business counseling and support during this pandemic, COVID-19.  We need it because it is not easy to work in this period. I am hopeful that we shall overcome. ”

Marume O.M., the Managing Director of Gout Africaine Ltd / Africano Restaurant in Huye.


Cogebanque provides support to SME customers through the pandemic

Cogebanque provides support to SME customers through the pandemic

The SME Response Clinic spoke with Joel Kayonga, Commercial Director at Cogebanque about specific challenges for SMEs and the actions that the bank is taking to support them during this ongoing pandemic.

Even if the lockdown has been eased, it is a bit early for clients to make big decisions related to their businesses.  Business owners are taking an approach of “let’s wait and see.” Given this, SMEs need timely information about how the situation is evolving. 

What are the biggest challenges SMEs are facing right now?

First, a slowdown in business. The lockdown brought business to a standstill.  Challenges are related mainly to working capital to be used to pay salaries and stock up in preparation for business picking up again. The only sectors that have not been truly affected are agribusiness and commodities. The hospitality sector has been the hardest hit because of restrictions on movement.

While the lockdown has been eased, there are still challenges because borders remain closed.   Rwanda is a net importer, and Cogebanque’s clients need to travel to be able to deploy funds and stock up on goods. Until the borders are open, clients will be unable to do this, so they have the approach of “let’s wait and see.”

Can you tell us about the support the bank is providing to SME customers?

Most of our SME customers have expressed the need to have their facilities refinanced, so we are working to help them smooth their loan repayments and have given them deferments.  As a bank, Cogebanque is focusing relief on specific sectors that have been hit hardest.  If the client was up to date with payments and if the challenges they are facing are clearly COVID-related, the bank automatically gives them a deferment of 3 months.  But for some sectors, specifically hotels and others in the tourism sector, deferments are for 6 months. The bank is also willing to extend these as the situation evolves, because it will take longer for them to see business really pick up again. Cogebanque has also provided small overdrafts for salaries or other urgent capital needs that businesses have.

How has the bank ensured continuity of service to SMEs?

At the beginning of the lockdown, we saw the need to close some branches given reduced traffic. In Kigali, we kept 3 branches open and reduced opening hours, but there were really no disruptions in service given that the bank has alternative channels in place.  We saw a huge jump in terms of traffic on digital platforms, mobile banking, the mobile wallet and USSD.

Quite a few SMEs were not yet registered to our internet banking and mobile banking offerings since most SMEs tend to transact in cash. What we have seen is a growing appetite for clients to use our digital platforms given that doing only cash transactions is not feasible, especially if you can’t move around.

To facilitate onboarding, Cogebanque has had clients use channels like WhatsApp and other platforms to fill out and send documentation, eliminating the need for them to come to an office.  We also availed the forms for application for debit cards and credit cards online and sent them to clients via email. We have also sent out and posted useful tutorials for our clients.

Ubufasha Cogebanque iha ibigo (SMEs) bikorana na yo muri ibi bihe by’Icyorezo

Ihuriro rishinzwe kwiga uburyo ibigo bito n’ibiciriritse (SME) bihangana n’ingorane byatewe n’icyorezo cya COVID-19 ryaganiriye na Joel Kayonga, Umuyobozi ushinzwe Ubucuruzi muri Cogebanque ku byerekeye ingaruka zihariye zibangamiye ibyo bigo n’ingamba iyi banki irimo gufata kugira ngo ibufashe muri iki gihe bikomeje guhangana n’ingaruka byatewe n’iki cyorezo.

Nubwo ingamba zafashwe mu rwego rwo kwirinda icyorezo zigenda zoroshywa, haracyari kare kugira ngo abakiriya bagire ibyemezo bikomeye bafata byerekeye ibikorwa by’ubucuruzi bakora. Ba nyiri ibigo by’ubucuruzi ubu bahisemo kuba bategereje ngo barebe ko hari impinduka zigaragara ziba. Kubera umwuka uteye utyo, SMEs zikeneye kubona amakuru ku gihe yerekeye uburyo ibintu birimo kugenda bihinduka. 

Ni izihe ngorane zikomeye zibangamiye SMEs muri iki gihe?

Ingorane ya mbere ni ukuzahara kw’ibikorwa by’ubucuruzi. Gahunda yo gufunga bimwe mu bikorwa bitari iby’ingenzi yatumye ibikorwa by’ubucuruzi  bihagarara.  Ingorane zihari ni izifitanye isano no kubona igishoro cyo gukoresha mu kwishyura imishahara y’abakozi no kwegeranya amikoro mu rwego rwo kwitegura gusubukura ibikorwa by’ubucuruzi. Inzego z’imirimo zitagizweho ingaruka cyane ni ubuhinzi bugamije ubucuruzi n’ubw’ibihingwa ngengabukungu byoherezwa mu mahanga. Urwogo rw’amahoteri n’amacumbi  ni rwo rwagizweho ingaruka cyane kubera ingamba zo kugabanya urujya n’uruza rw’abantu.

Mu gihe ingamba zo kwirinda icyorezo zirimo koroshywa, haracyari imbogamizi kuko imipaka  yakomeje gufungwa. U Rwanda rutumiza mu mahanga ibyinshi mu bicuruzwa ku masoko yarwo kandi ba rwiyemezamirimo bakenera gukora ingendo  kugira ngo babashe gushora amafaranga bahaha ibicuruzwa. Abakiriya  ntibazabasha kubona ibicuruzwa bakeneye imipaka itarafungurwa, ni yo mpamvu, ”bahisemo kuba bategereje kugira ngo ibintu bisubire mu buryo.”

Watubwira ubufasha banki igenera ibigo bito n’ibiciriritse (SME) bikorana na yo?

Ibyinshi mu bigo bito n’ibiciriritse (SME) bikorana na banki yacu byatugaragarije ko bikeneye ko inguzanyo  zabyo zivugururwa, ni yo mpamvu turimo gukora ibishoboka ngo dufashe ibyo bigo tubyorohereza  kwishyura inguzanyo kandi tubyongerera igihe cyo kwishyura izo nguzanyo. Nka banki, Cogebanque yibanda ku nzego z’imirimo zazahajwe cyane n’ibi bihe turimo by’icyorezo ifasha bimwe mu bigo bikorana na yo kuzahura ubucuruzi byabyo. Iyo ikigo cyishyuraga neza  kandi ingorane gihura na zo  zikaba zifitanye isano n’Icyorezo cya COVID-19, icyo gihe banki yahitaga igisonera kwishyura inguzanyo mu gihe cy’amezi atatu (3). Ariko ku bigo byo mu nzego zimwe na zimwe  by’umwihariko amahoteri n’urwego rw’ubukerarugendo, byasubikiwe kwishyura mu gihe cy’amezi atandatu (6). Banki kandi irifuza kongera igihe iyi gahunda izamara bitewe  n’uko ibintu bizaba byifashe, kubera ko bizatwara igihe kirekire kugira ngo ibi bigo bisubukure neza ibikorwa byabyo. Cogebanque kandi yahaye inguzanyo zihuse abakorera umushahara cyangwa ibindi bigo byari bikeneye kongera igishoro.

Ni gute banki yabashije gukomeza serivisi iha Ibigo bito n‘ibiciriritse (SMEs) bikorana na yo?

Ubwo hatangizwaga ingamba zo guhagarika ingendo n’ibikorwa by’ubucuruzi bitari iby’ingenzi, twasanze ari ngombwa gufunga amwe mu mashami kubera igabanuka ry’urujya n’uruza rw’abantu n’ibintu. Muri Kigali, amashami atatu (3) ni yo yakomeje gufungura ariko twanagabanyije amasaha y’akazi. Mu by’ukuri nta kirogoya yabaye muri serivisi dutanga kuko banki yari yashyizeho ubundi buryo bwo guha serivisi abayigana. Twasanze abantu benshi baritabiriye gukoresha uburyo bw’ikoranabuhanga, kubona serivisi za banki ukoresheje terefoni ngendanwa, gahunda ya Mobile Wallet (Gahunda y’ikofi) na USSD.

Ibigo (SMEs) bike cyane ni byo byari bitariyandikisha gukorana na banki hifashishijwe murandasi no kugezwaho serivisi za banki hifashishijwe terefoni ngendanwa kubera ko ibyinshi (SMEs) bikunda guhererekanya amafaranga mu buryo bwa cash. Ikintu twiboneye ni uko umubare w’abakiriya bitabiriye gukoresha uburyo bw’ikoranabuhanga banki yacu yabashyiriyeho wazamutse cyane kubera ko guhererekanya amafaranga mu ntoki (cash) gusa bitashobokaga, cyane cyane kubera ko nta wari wemerewe gukora ingendo.

Mu rwego rwo korohereza abakiriya ba banki kubona serivisi batavuye aho bari, Cogebanque yabafashije gukoresha umuyoboro wa WhatsApp n’izindi mbuga nkoranyambaga mu kuzuza imyirondoro no kuyohereza, bityo bibarinda gukora ingendo bajya aho banki ikorera.  Twagejeje ku bakiriya amafishi basabiraho amakarita ya banki (yo kwishyura no kubikuza) hifashishijwe ikoranabuhanga maze tuyaboherereza dukoresheje email. Twoherereje abakiriya amwe mu makuru abagenewe ibindi bisobanuro tubishyira ku rubuga rwacu aho bashobora kubisanga.