Ni iyihe politiki y’isoresha ikurikizwa muri iki gihe cy’Icyorezo cya Covid-19?
Tariki ya 1 Kamena 2020: Amakuru mashya arebana n’imisoro
Ni ayahe mabwiriza agenga imisoro muri ibi bihe by’icyorezo cya COVID-19?
Igisubizo: Humura! Leta y’u Rwanda yafashe ingamba zo gushyigikira abakora ibikorwa by’ubucuruzi buto n’ubuciriritse muri ibi bihe. Serivisi hafi ya zose z’Igiko cy’imisoro n’amahoro (RRA) zitangirwa kuri interineti, mu rwego rwo kubungabunga ubuzima bw’abantu no kubarinda gukora ingendo muri iki gihe basabwa kuguma mu rugo.
AMAKURU MASHYA: Ku itariki ya 29 Gicurasi 2020, Rwanda Revenue Authority
yatangarije abasoreshwa bose ko itariki ntarengwa yo gutanga ibitabo by’ibaruramari
byamejwe byo mu mwaka wa 2019, yavuye ku ya 31 Gicurasi 2020, ikimurirwa ku ya 30
Kamena 2020. Nyuma y’iyo tariki, igihe ntarengwa cyo kwishyura kizasubira uko byahoze.
Zirikana ibi:
- Kuva ku itariki ya 11 Gicurasi 2020, kubara avansi y’umusoro ku nyungu z’ibigo (CIT) n’umusoro ku nyungu z’abantu ku giti cyabo (PIT) bizashingirwa ku byacurujwe muri uyu mwaka.
- Abafite ibinyabiziga bikora imirimo ibyara inyungu bazishyura avansi y’umusoro ku nyungu, hashingiwe ku gihe batangiriye gukora.
- Igihe cyo gusonera umusoro ku bihembo (PAYE) abakozi bo mu bigo by’ubukerarugendo n’amahoteri bahembwa amafaranga 150.000 (umushahara utahanwa) cyongeweho amezi atatu, ni ukuvuga kuva muri Mata kugeza muri Kamena 2020.
- Nanone igihe cyo gusonera umusoro ku bihembo (PAYE) abarimu bo mu bigo by’abikorera bahembwa amafaranga 150.000 (umushahara utahanwa) kizongerwaho amezi atandatu, ni ukuvuga kuva muri Mata kugeza muri Nzeri 2020.
- Udupfukamunwa twose dukorerwa mu Rwanda hagamijwe kwirinda COVID-19 dusonewe umusoro ku nyongeragaciro (VAT).
Itangazo rya Rwanda Revenue Authority– 29 Gicurasi 2020
Mwizere mudashidikanya ko Leta y’u Rwanda ikora ibishoboka byose ngo abacuruzi boroherezwe kwishyura imisoro. Niba hari ibindi ushaka kumenya cyangwa gusobanuza ku bucuruzi bwawe, jya kuri https://www.rra.gov.rw/.
Rinda ubuzima bwawe! Niba ukora ubucuruzi buto cyangwa ubuciriritse, menya amabwiriza y’imisoro agenga ubucuruzi bwawe kugira ngo budahungabana muri ibi bihe bidasanzwe. Nanone kandi, komeza kwita ku buzima bwawe!
Aho byavuye:
Itangazo rya Minisiteri y’Imari n’Igenamigambi – 9 Gicurasi 2020
Ingamba u Rwanda rwafashe zirebana n’imisoro no gushyigikira ubukungu mu bihe by’icyorezo cya COVID-19 – CGTN News, 10 Gicurasi 2020
UPDATE June 1st, 2020
Taxation
What is the current policy on taxes during the COVID-19 pandemic?
Answer: Do not fear! The Government of Rwanda is taking action to help small and medium businesses right now. The Rwanda Revenue Authority is offering most services online – to keep you safe, and to keep you from having to move during a time when it is important to stay at home.
UPDATE: The Rwanda Revenue Authority (RRA) announced on May 29th, 2020, that for all taxpayers with an obligation to submit certified financial statements for 2019, the deadline for submission has been extended from May 31st, 2020 to June 30th, 2020. After this, payment deadlines will return to normal.
Here is more important information:
- As of May 11th, 2020, computation of your quarterly payments for Corporate Income Taxes (CIT) and Person Income Tax (PIT) will be based on transactions of the current year.
- Transport motor vehicles are required to pay their quarterly fixed PIT this year, pro-rated to the period of operation.
- Pay As You Earn (PAYE) will be waived for a period of three months from April to June 2020 for employees in the tourism and hotel sector and are earning up to 150,000 RWF net salary.
- PAYE will also be waived for a period of six months from April to September for teachers in private schools earning up to 150,000 RWF net salary.
- All masks made in Rwanda to help prevent COVID-19 are exempt from value-added tax (VAT).
Be Safe! Make sure you find out about the tax requirements for your small or medium business, to help you keep your business afloat during these difficult times. And stay healthy!
References:
Rwanda Revenue Authority Public Announcement – May 29th, 2020
Ministry of Finance and Economic Planning Public Announcement – May 9th, 2020
Rwanda Announces Tax Exemptions to Support Economic Recovery Amid COVID-19 – CGTN News, May 10th, 2020
Ni iki nsabwa gukora iyo ntumiza ibicuruzwa mu mahanga nkaba ngomba kujya ku mupaka kwakira iyo mizigo?
Ni iki nsabwa gukora iyo ntumiza ibicuruzwa mu mahanga nkaba ngomba kujya ku mupaka kwakira iyo mizigo?
Igisubizo:
Ku wa 9 Gicurasi 2020, Minisiteri y’Ubucuruzi n’Inganda yamenyesheje ba nyiri amakamyo yikorera imizigo, abatumiza ibicuruzwa mu mahanga, ba nyiri imizigo, abacunga ububiko bw’ibigega bya gasutamo bakeneye gukora ingendo bagana ku mupaka gutumiza cyangwa kohereza ibicuruzwa mu mahanga ibicuruzwa ko bashobora kugana imipaka ya Rusmo na Kagitumba.
Mu rwego rwo kwirinda icyorezo, uhereye ubu umuntu wese ukorera ingendo ku mupaka mu rwego rwo kwakira ibicuruzwa yatumije mu mahanga cyangwa ibyo yoherezayo agomba kwiyandikisha muri Minisiteri y’Ibikorwa remezo. Itariki ntarengwa yo kwiyandikisha yari ku wa 11 Giurasi 2020, ariko niba waracikanwe ku mpamvu iyo ariyo yose wahamagara nimero ikurikira:
- Imirongo itishyurwa: 4287 cyangwa +250788387125
- Terefoni: +250788884431 cyangwa +250788698556
- Email: cargotracking@mininfra.gov.rw
Amabwiriza yo ku itariki ya mbere Gicurasi asaba ko ibicuruzwa byose n’imizigo bihita byishyurirwa amahoro ya gasutamo bikavanwa mu bubiko bwa gasutamo ku mipaka bitarenze igihe cy’umunsi umwe aracyakurikizwa. Nk’uko byakorwaga mbere, iyo uwatumije ibicuruzwa mu mahanga adatwaye ibicuruzwa cyangwa imizigo ye mu minsi ibiri, asabwa kubyishyurira amafaranga bimara mu bubiko no kwishyura amafaranga yo guparika ku makamyo atwaye byo bicuruzwa agenwe ku buryo bukurikira:
- Amafaranga abiri ku kilo ku munsi ikamyo imara iparitse.
- Amafaranga abiri ku kilo yiyongera ku mafaranga asanzwe yishyurwa ku bubiko mu bubika bwa gasutamo.
- Nyuma y’iminsi ibiri, ibicuruzwa cyangwa imizigo bizajyanwa i Kigali mu bubiko bwa Gasutamo. Uwatumije ibyo bicuruzwa ni we uzishyura ikiguzi cyo kubitwara kugera i Kigali.
Guverinoma y’u Rwanda irimo gukora ibishoboka byose mu kugenzura ko ibicuruzwa n’imizigo byishyura amahoro ya gasutamo kandi bigakorwa mu mutekano usesuye.
Zirikana umutekano wawe! Komeza gukurikiza amabwiriza rusange mu rwego rwo kwirinda icyorezo maze ukomeze kugira ubuzima bwiza!
Aho wasanga ayo mabwiriza:
Ikigo cy’Igihugu cy’Imisoro n’Amahoro (RRA). Ref. 702/RRA/CG/CSD/2020. Yatanzwe ku itariki ya mbere Gicurasi 2020.
Itangazo rigenewe rubanda ryatanzwe na Minisiteri y’Ibikorwa remezo ku itariki ya mbere Gicurasi 2020.
Itangazo rigenewe rubanda ryatanzwe na Minisiteri y’Ibikorwa remezo. Ryatanzwe ku wa 9 Gicurasi 2020.
UPDATE May 12th: Cargo and Import
What do I do if I import goods and need to visit a border to get this cargo?
Answer:
On May 9th, 2020, the Ministry of Infrastructure announced that truck owners, importers, cargo owners, and warehouse operators who need to travel to a border to import or export goods can travel to Rusumo and Kagitumba borders for that reason.
To stay safe and secure, anyone traveling for that reason must now register with the Ministry of Infrastructure. The deadline for registration was May 11th, 2020, but if for some reason you missed this you may contact the following:
- Toll-free lines: 4287 or +250788387125
- Telephone: +250788884431 or +250788698556
- Email: cargotracking@mininfra.gov.rw
The May 1st, 2020 regulations that require all goods/cargo to be immediately cleared and taken within one day from customs border posts are still in place. As before, if an importer fails to take their goods/cargo within two days, they will be required to pay storage and parking fees as follows:
- Two Rwandan Francs per kilogram per day for parking.
- Two Rwandan Francs per kilogram in addition to normal storage fees in the warehouse.
- After two days, goods/cargo will be transported to Kigali warehouses. The cost will be the responsibility of the importer.
The Government is doing all possible to be sure that the clearance of goods/cargo takes place as efficiently and safely as possible.
Be Safe! Make sure you continue to follow general preventative measures. And stay healthy!
Reference:
Rwanda Revenue Authority. Ref. 702/RRA/CG/CSD/2020. Issued 1 May 2020.
Ministry of Infrastructure Public Announcement. Issued 1 May 2020.
Ministry of Infrastructure Public Announcement. Issued 9 May 2020.
Mfite resitora kandi ndifuza ko abakiriya banjye bakomeza kwirinda. Ni iki nakora kugira ngo nite ku mutekano wabo kandi nkomeza gukora ubucuruzi?
Ku wa 12 Gicurasi : Amahoteri & Ubukerarugendo
Mfite resitora kandi ndifuza ko abakiriya banjye bakomeza kwirinda. Ni iki nakora kugira ngo nite ku mutekano wabo kandi nkomeza gukora ubucuruzi?
Igisubizo: Ku wa 11 Gicurasi, Urwego rushinzwe iterambere mu Rwanda (RDB) rwasohoye itangazo rishya rimenyesha ibigo byose byakira abantu nka za resitora, amahoteri n’aho bafatira icyayi na kawa. Iri tangazo risaba ko abakiriya bose bagana ibi bigo bagomba kwiyandikisha batanga imyirondoro ikurikira:
- Amazina
- Nimero za terefoni
- Isaha bahagereye
- Akarere batuyemo
Izi ngamba nshya zigamije gufasha Leta y’u Rwanda kubasha gukurikirana uburyo n’igihe abantu bagiye bahura n’abandi mu rwego rwo kwirinda ko hagira abantu bashya bandura mu gihe hari abagaragayeho kwandura COVID-19. Aya makuru azagirwa ibanga ku buryo adahererekanywa.
Amahoteri, amaresitora acuruza icyayi na kawa n’amaresitora asanzwe byemerewe gufungura guhera ku wa 4 Gicurasi 2020 ariko bigafunga saa moya z’umugoroba buri munsi. Bigomba kandi gushyiraho uburyo n’ibikoresho by’isuku n’isukura kugira ngo abakiriya n’abakozi babashe gukaraba intoki cyangwa gukaraba umuti wica udukoko mbere yo kwinjira. Nk’uko bigenda ku bikorwa byose by’ubucuruzi, abakozi bose bagomba kwambara agapfukamunwa ndetse n’abakiriya bakaza bakambaye! Bagomba kandi kubahiriza intera ya metero imwe hagati yabo.
Inyubako zikorerwamo siporo rusange, utubyiniro, utubari, kiriziya n’insengero n’ahandi hantu hateranira abantu benshi birakomeza gufunga kugeza igihe hatangiwe andi mabwiriza.
Zirikana ibi! Niba ubarizwa mu rwego rw’amahoteri, gerageza kumenya amakuru agezweho ukurikira amatangazo ya Minisiteri y’Ubucuruzi n’Inganda yerekeye inguzanyo n’izindi ngamba zafashwe kandi ukorane bya hafi n’ishyirahamwe ubarizwamo, urwego rw’inganda na PSF (Urugaga rw’Abikorera) kugira ngo ubashe kumenya amahirwe ari mu rwego rw’ibikorwa bijyanye n’ubucuruzi ukora.
Ukeneye amakuru arambuye
Kurikira RDB kuri Twitter: @RDBrwanda
Kurikira Minisiteri y’Ubucuruzi n’Inganda kuri Twitter: @RwandaTrade
Reba inyandiko yasohotse ku wa 11 Gicurasi 2020: “Notice to All Hospitality Establishments”
I have a restaurant and I want to keep my clients safe. What can I do to ensure their safety while still doing business?
Answer: On May 11th, the Rwanda Development Board (RDB) issued a new notice to all hospitality establishments, such as restaurants, hotels and coffee shops. This notice requires that all customers visiting these establishments MUST register the following:
- Full names
- Telephone numbers
- Time of visit
- District of residence
These new measures will ensure that the Government of Rwanda can conduct contact tracing if and when new cases of COVID-19 are discovered. Note that this information will be kept confidential and not shared.
Hotels, coffee shops and restaurants have been allowed to open since May 4th, 2020, but they must close by 7:00 pm each day. They must also install hygiene stands so that customers and staff can wash their hands, or apply hand sanitizer when they enter. As with all businesses, all employees must wear a mask – and customers too! And always keep a distance of one meter in-between
Gyms, nightclubs, bars, churches, and other large gathering places will stay closed until further notice.
Be Alert! If you are part of the hospitality sector, make sure to stay up-to-date by following RDB and the Ministry of Trade and Industry for announcements on loans and other measures, as well as keeping in touch with your association, chamber and PSF so that you know what is available to your business.
For more information
Follow RDB on Twitter: @RDBrwanda
Follow the Ministry of Trade and Industry on Twitter: @RwandaTrade
See the 11th May 2020: “Notice to All Hospitality Establishments”
Hatangijwe Umwiherero ku mirimo y’ubucuruzi ikorwa hifashishijwe ikoranabuhanga mu Rwanda
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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What is Equity Bank Rwanda doing to support SME customers during this crisis?
What is Equity Bank Rwanda doing to support SME customers during this crisis?
The SME Response Clinic spoke with Hannington Namara, Managing Director of the Equity Bank Rwanda, about the ways in which the bank is going digital to support customers at this time.
We understand that the new normal is not going to be an easy one. The effects of this pandemic will be with us for some time. This will require that we transform the way we do things.
What is Equity Bank Rwanda doing to support SME customers during this crisis?
Equity Bank Rwanda has put a framework in place to help guide our actions with the intention of making it as easy as possible for SMEs to make it out of the pandemic and get back to business. For those who have loans, for instance, we’ve put in place arrangements to reschedule them in conversation with borrowers. For those who have been affected in a way that may make it necessary for them to change their business models entirely, we are talking to them about what else can be done. We are partnering with consultants to provide technical assistance and will help all of our staff become advisors.
Can you tell us about some of the digital initiatives the bank is undertaking to support SME customers?
As a bank, we now have complete end-to-end virtual banking available. We have a platform specifically for SMEs called EazzyBiz, which allows them to make and receive payments, purchase currencies, make transfers, and more. We are trying to make it easy for SMEs to do business from anywhere, including to request facilities to help them restart their businesses
How can customers engage with the bank?
Customers can bank through our Eazzy Banking App, and SMEs can bank through EazzyBiz. Our website is www.equitybankgroup.com, and we have a call center number [455#].
Facebook: https://www.facebook.com/RwEquityBank/
Twitter: https://twitter.com/RwEquityBank
Have questions? Please email smeresponseclinic@gmail.com
Ni iki Equity Bank Rwanda ikora mu gufasha ibigo bito n’ibiciriritse (SMEs) bikorana na yo muri ibi bihe bikomeye?
Ihuriro rishinzwe kwiga uburyo SME zihangana n’ingorane zatewe n’icyorezo cya COVID-19 ryaganiriye na Hannington Namara, Umuyobozi Mukuru wa Equity Bank Rwanda ku buryo banki irimo gukoresha ikoranabuhanga ifasha abakiriya bayo muri iki gihe.
Turasanga kugira ngo ibintu bizasubire mu buryo bitazaba byoroshye. Tuzamara igihe kitari gito tugihanganye n’ingaruka zatewe n’iki cyorezo. Bizadusaba kugira bimwe duhindura mu mikorere yacu.
Ni iki Equity Bank Rwanda ikora kugira ngo ifashe ibigo bito n’ibiciriritse (SMEs) bikorana na yo muri ibi bihe bikomeye?
Equity Bank Rwanda yashyizeho gadunda ifasha mu guha umurongo ibyo dukora hagamijwe korohereza mu buryo bushoboka Ibigo bito n’ibiciriritse (SMEs) kugira ngo bibashe kwivana mu bihe bibi byatewe n’icyorezo kugira ngo bisubukure neza ibikorwa. Urugero: ibigo bisanganywe inguzanyo, twabishyiriyeho ingamba zo kuzivugurura tumaze kubiganiraho n’abayobozi b’ibigo byahawe inguzanyo. Naho ku bigo byagizweho ingaruka mu buryo byaba ngombwa ko bihindura imiterere yose y’uburyo byakoraga, turimo kuganira n’ababikuriye ngo turebe ikindi cyakorwa. Turimo gukorana n’impuguke kugira ngo zitugire inama mu bya tekiniki ku cyakorwa kandi zizanaduhugurira abakozi bose ku buryo bahinduka abajyanama ku bakiriya bagana banki yacu.
Watubwira imwe mu mishinga mufite ishishikariza ikoranabuhanga banki yatangije igamije gufasha ibigo bito n’ibiciriritse (SMEs) bikorana na yo?
Nka banki, tumaze gushyiraho uburyo koranabuhanga buifasha banki n’abakiriya bayo muri serivisi za banki hakoreshejwe ikoranabuhanga nta wuvuye aho ari. Dufite programu koranabuhanga yihariye ifasha banki gukorana na SMEs yitwa EazzyBiz, yorohereza ibyo bigo bito n’biciriritse kwishyura no kwishyurwa, kugura amafaranga, kohereza amafaranga, n’izindi zerivisi. Turimo kugerageza korohereza ibigo bito n’ibiciriritse (SMEs) gukora bizinesi aho biri hose, harimo kubyorohereza mu nguzanyo bisaba kugira ngo byongere bisubukure ibikorwa by’ubucuruzi byakoraga.
Muri serivisi bakenera, ni gute abakiriya babasha kugeza ibibazo byabo kuri banki?
Abakiriya bashobora kubona serivisi za banki bifashishije programu twabashyiriyeho yitwa Eazzy Banking App, naho ibigo (SMEs) bikabasha kubona serivisi za banki byifashishije EazzyBiz. Urubuga rwacu ni www.equitybankgroup.com , dufite nimero abakiriya bakeneye serivisi bahamagara [455#].
“Dushimishijwe no kubana n’abakiriya bacu mu byo dukora. Turizeza abakiriya bacu ko tureba kure mu byo dukora byose. Mukomeze kutugana.”
Have questions? Please email smeresponseclinic@gmail.com
How is the Association of Microfinance Institutions in Rwanda supporting its members in this time of crisis?
How is the Association of Microfinance Institutions in Rwanda supporting its members in this time of crisis?
The SME Response Clinic spoke with Aimable Nkuranga, Executive Director of the Association of Microfinance Institutions in Rwanda, to understand how the institution is supporting its members in this time of crisis.
I advise clients of MFIs and SACCOs to approach their institutions to express challenges and concerns and if they need to, to renegotiate their loan terms. MFIs and SACCOs are here to support in the best way that they can through this difficult time.
What makes MFIs and SACCOs so important in Rwanda for SMEs?
MFIs and SACCOs are important because of the type of services that they offer. They try to help clients in running their businesses, managing their finances, and understanding how to interact with financial institutions in addition to providing financial services.
What is the Association of Microfinance Institutions in Rwanda (AMIR) doing to support members during the COVID-19 crisis?
AMIR has been in close contact with its members, which include SACCOs and microfinance institutions across the country. We have held several meetings and conducted assessments to understand the impact of this situation on their operations. We have gathered ideas that need advocacy and engaged various stakeholders to see how best to support our members. We are currently negotiating with donors and other stakeholders to see how we can set up an emergency fund. We have also helped our members with policy documents and carried out online training. We’re now working to see how we can help institutions better serve clients through digital channels.
What are some of the solutions your members are implementing to support clients during this time?
Our members are allowing their clients to renegotiate payment terms on a case-by-case basis. MFIs and SACCOs are also working on their systems; they are working to implement digital channels so that they can serve their clients without their clients needing to come in. A few of our members are also training their clients on topics such as the usage of digital channels.
Rwandan Online Business Bootcamp Launched
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:
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- 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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Upcoming Sessions:
2nd June 2020 at 1400hrs (Kigali) / Kinyarwanda | Open
4th June 2020 at 1400hrs (Kigali) / English | Open
Find out more about the upcoming sessions at “Expanding My Skills” on the SME Response Clinic website and on Facebook.
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.
Have questions? Please email smeresponseclinic@gmail.com
What do I do if I import goods and need to visit a border to get this cargo?
UPDATE May 12th: Cargo and Import
What do I do if I import goods and need to visit a border to get this cargo?
Answer:
On May 9th, 2020, the Ministry of Infrastructure announced that truck owners, importers, cargo owners, and warehouse operators who need to travel to a border to import or export goods can travel to Rusumo and Kagitumba borders for that reason.
To stay safe and secure, anyone traveling for that reason must now register with the Ministry of Infrastructure. The deadline for registration was May 11th, 2020, but if for some reason you missed this you may contact the following:
- Toll-free lines: 4287 or +250788387125
- Telephone: +250788884431 or +250788698556
- Email: cargotracking@mininfra.gov.rw
The May 1st, 2020 regulations that require all goods/cargo to be immediately cleared and taken within one day from customs border posts are still in place. As before, if an importer fails to take their goods/cargo within two days, they will be required to pay storage and parking fees as follows:
- Two Rwandan Francs per kilogram per day for parking.
- Two Rwandan Francs per kilogram in addition to normal storage fees in the warehouse.
- After two days, goods/cargo will be transported to Kigali warehouses. The cost will be the responsibility of the importer.
The Government is doing all possible to be sure that the clearance of goods/cargo takes place as efficiently and safely as possible.
Be Safe! Make sure you continue to follow general preventative measures. And stay healthy!
Reference:
Rwanda Revenue Authority. Ref. 702/RRA/CG/CSD/2020. Issued 1 May 2020.
Ministry of Infrastructure Public Announcement. Issued 1 May 2020.
Ministry of Infrastructure Public Announcement. Issued 9 May 2020.
Ni iki nsabwa gukora iyo ntumiza ibicuruzwa mu mahanga nkaba ngomba kujya ku mupaka kwakira iyo mizigo?
Igisubizo:
Ku wa 9 Gicurasi 2020, Minisiteri y’Ubucuruzi n’Inganda yamenyesheje ba nyiri amakamyo yikorera imizigo, abatumiza ibicuruzwa mu mahanga, ba nyiri imizigo, abacunga ububiko bw’ibigega bya gasutamo bakeneye gukora ingendo bagana ku mupaka gutumiza cyangwa kohereza ibicuruzwa mu mahanga ibicuruzwa ko bashobora kugana imipaka ya Rusmo na Kagitumba.
Mu rwego rwo kwirinda icyorezo, uhereye ubu umuntu wese ukorera ingendo ku mupaka mu rwego rwo kwakira ibicuruzwa yatumije mu mahanga cyangwa ibyo yoherezayo agomba kwiyandikisha muri Minisiteri y’Ibikorwa remezo. Itariki ntarengwa yo kwiyandikisha yari ku wa 11 Giurasi 2020, ariko niba waracikanwe ku mpamvu iyo ariyo yose wahamagara nimero ikurikira:
- Imirongo itishyurwa: 4287 cyangwa +250788387125
- Terefoni: +250788884431 cyangwa +250788698556
- Email: cargotracking@mininfra.gov.rw
Amabwiriza yo ku itariki ya mbere Gicurasi asaba ko ibicuruzwa byose n’imizigo bihita byishyurirwa amahoro ya gasutamo bikavanwa mu bubiko bwa gasutamo ku mipaka bitarenze igihe cy’umunsi umwe aracyakurikizwa. Nk’uko byakorwaga mbere, iyo uwatumije ibicuruzwa mu mahanga adatwaye ibicuruzwa cyangwa imizigo ye mu minsi ibiri, asabwa kubyishyurira amafaranga bimara mu bubiko no kwishyura amafaranga yo guparika ku makamyo atwaye byo bicuruzwa agenwe ku buryo bukurikira:
- Amafaranga abiri ku kilo ku munsi ikamyo imara iparitse.
- Amafaranga abiri ku kilo yiyongera ku mafaranga asanzwe yishyurwa ku bubiko mu bubika bwa gasutamo.
- Nyuma y’iminsi ibiri, ibicuruzwa cyangwa imizigo bizajyanwa i Kigali mu bubiko bwa Gasutamo. Uwatumije ibyo bicuruzwa ni we uzishyura ikiguzi cyo kubitwara kugera i Kigali.
Guverinoma y’u Rwanda irimo gukora ibishoboka byose mu kugenzura ko ibicuruzwa n’imizigo byishyura amahoro ya gasutamo kandi bigakorwa mu mutekano usesuye.
Zirikana umutekano wawe! Komeza gukurikiza amabwiriza rusange mu rwego rwo kwirinda icyorezo maze ukomeze kugira ubuzima bwiza!
Aho wasanga ayo mabwiriza:
Ikigo cy’Igihugu cy’Imisoro n’Amahoro (RRA). Ref. 702/RRA/CG/CSD/2020. Yatanzwe ku itariki ya mbere Gicurasi 2020.
Itangazo rigenewe rubanda ryatanzwe na Minisiteri y’Ibikorwa remezo ku itariki ya mbere Gicurasi 2020.
Itangazo rigenewe rubanda ryatanzwe na Minisiteri y’Ibikorwa remezo. Ryatanzwe ku wa 9 Gicurasi 2020.
I have a restaurant and I want to keep my clients safe. What can I do to ensure their safety while still doing business?
I have a restaurant and I want to keep my clients safe. What can I do to ensure their safety while still doing business?
Answer: On May 11th, the Rwanda Development Board (RDB) issued a new notice to all hospitality establishments, such as restaurants, hotels and coffee shops. This notice requires that all customers visiting these establishments MUST register the following:
- Full names
- Telephone numbers
- Time of visit
- District of residence
These new measures will ensure that the Government of Rwanda can conduct contact tracing if and when new cases of COVID-19 are discovered. Note that this information will be kept confidential and not shared.
Hotels, coffee shops and restaurants have been allowed to open since May 4th, 2020, but they must close by 7:00 pm each day. They must also install hygiene stands so that customers and staff can wash their hands, or apply hand sanitizer when they enter. As with all businesses, all employees must wear a mask – and customers too! And always keep a distance of one meter in-between
Gyms, nightclubs, bars, churches, and other large gathering places will stay closed until further notice.
Be Alert! If you are part of the hospitality sector, make sure to stay up-to-date by following RDB and the Ministry of Trade and Industry for announcements on loans and other measures, as well as keeping in touch with your association, chamber and PSF so that you know what is available to your business.
For more information
Follow RDB on Twitter: @RDBrwanda
Follow the Ministry of Trade and Industry on Twitter: @RwandaTrade
See the 11th May 2020: “Notice to All Hospitality Establishments”
Ku wa 12 Gicurasi : Amahoteri & Ubukerarugendo
Mfite resitora kandi ndifuza ko abakiriya banjye bakomeza kwirinda. Ni iki nakora kugira ngo nite ku mutekano wabo kandi nkomeza gukora ubucuruzi?
Igisubizo: Ku wa 11 Gicurasi, Urwego rushinzwe iterambere mu Rwanda (RDB) rwasohoye itangazo rishya rimenyesha ibigo byose byakira abantu nka za resitora, amahoteri n’aho bafatira icyayi na kawa. Iri tangazo risaba ko abakiriya bose bagana ibi bigo bagomba kwiyandikisha batanga imyirondoro ikurikira:
- Amazina
- Nimero za terefoni
- Isaha bahagereye
- Akarere batuyemo
Izi ngamba nshya zigamije gufasha Leta y’u Rwanda kubasha gukurikirana uburyo n’igihe abantu bagiye bahura n’abandi mu rwego rwo kwirinda ko hagira abantu bashya bandura mu gihe hari abagaragayeho kwandura COVID-19. Aya makuru azagirwa ibanga ku buryo adahererekanywa.
Amahoteri, amaresitora acuruza icyayi na kawa n’amaresitora asanzwe byemerewe gufungura guhera ku wa 4 Gicurasi 2020 ariko bigafunga saa moya z’umugoroba buri munsi. Bigomba kandi gushyiraho uburyo n’ibikoresho by’isuku n’isukura kugira ngo abakiriya n’abakozi babashe gukaraba intoki cyangwa gukaraba umuti wica udukoko mbere yo kwinjira. Nk’uko bigenda ku bikorwa byose by’ubucuruzi, abakozi bose bagomba kwambara agapfukamunwa ndetse n’abakiriya bakaza bakambaye! Bagomba kandi kubahiriza intera ya metero imwe hagati yabo.
Inyubako zikorerwamo siporo rusange, utubyiniro, utubari, kiriziya n’insengero n’ahandi hantu hateranira abantu benshi birakomeza gufunga kugeza igihe hatangiwe andi mabwiriza.
Zirikana ibi! Niba ubarizwa mu rwego rw’amahoteri, gerageza kumenya amakuru agezweho ukurikira amatangazo ya Minisiteri y’Ubucuruzi n’Inganda yerekeye inguzanyo n’izindi ngamba zafashwe kandi ukorane bya hafi n’ishyirahamwe ubarizwamo, urwego rw’inganda na PSF (Urugaga rw’Abikorera) kugira ngo ubashe kumenya amahirwe ari mu rwego rw’ibikorwa bijyanye n’ubucuruzi ukora.
Ukeneye amakuru arambuye
Kurikira RDB kuri Twitter: @RDBrwanda
Kurikira Minisiteri y’Ubucuruzi n’Inganda kuri Twitter: @RwandaTrade
Reba inyandiko yasohotse ku wa 11 Gicurasi 2020: “Notice to All Hospitality Establishments”
Uko Bank ya Kigali irimo gufasha abakiriya bayo muri ibi bihe bidasanzwe
Uko Bank ya Kigali irimo gufasha abakiriya bayo muri ibi bihe bidasanzwe
Itsinda ritanga ubufasha kuri ba rwiyemezamirimo baciriritse ryagereye bwana Santos Musonera, Umuyobozi w’ishami ry’ubucuruzi muri Banki ya Kigali, rimubaza icyo barimo gukora kugira ngo bafashe abakiriya babo muri ibi bihe bidasanzwe.
“Turi mu bihe botoroshye. Muri banki yacu turimo gukora ibishoboka byose ngo dufashe abakora ibikorwa by’ubucuruzi buciriritse, guca muri ibi bihe bya COVID-19 kandi bazakomeze akazi kabo na nyuma yayo. Ibikorwa by’ubucuruzi buciriritse byagize uruhare rukomeye mu bukungu bwacu, kandi bizakomeza.”
How the Bank of Kigali meets customer needs in this crisis
The SME Response Clinic met with Santos Musonera, Head of Business of Bank of Kigali, to understand how they are meeting customer needs in this time of crisis.
“This is a very difficult time. As a bank, we are committed to making sure SMEs are supported not just during COVID-19 but also after. SMEs have always played and continue to play a critical role in our economy.”
What steps is Bank of Kigali undertaking to support its customers during the crisis?
The pandemic is driving digital initiatives at the bank. Now, more than ever, the bank is using digital platforms to support our clients. We have expanded our reach on the IKOFI platform, our platform for the agriculture sector, as their businesses have not stopped. It is really helping our customers to be able to transact. We have also established a 24/7 call center with double the staff, speaking all languages, to accommodate all customers.
In addition, the bank is working with clients on their ability to service their loans. Customers can request a grace period on interest and principal for three months, and we are also offering restructuring. We have introduced a new product, Turi Kumwe Special Loan, to support businesses hit by the pandemic. It provides up to two times the customers’ salary and is for a period of twelve months with a three-month grace period for the first payment. We’re also seeing an uptick in a microloan product we offer called Bkquick. The loan is almost instant, and you do not need to come into a branch or submit paper physically.
How should customers engage with the bank?
If you have a request, engage the bank as soon as possible by calling your Relationship Officer or Relationship Manager or via our call center.
- Call center number: 4455
- Twitter: @BankofKigali
- Facebook: https://www.facebook.com/BankofKigali/
- Branch hours: 8.00am to 3.00pm from Monday – Friday, with some branches operating on Saturdays and Sundays. Dial the call center for more information.
- Bkquick loan: Dial *334# for USSD access.
Ni izihe ngamba Banki ya Kigali yafashe kugira ngo ifashe abakiriya bayo muri iki gihe kitoroshye?
Iki cyorezo cyatumye tuyoboka inzira y’ikoranabuhanga. Ubu banki yacu irimo gukoresha ikoranabuhanga kuruta mbere hose. Twaguye porogaramu yacu ifasha abahinzi n’aborozi yitwa IKOFI, kuko bo ibikorwa byabo bitahagaze. Ifasha abakiriya bacu mu birebana no kugura no kwishyura. Nanone twashyizeho ikipe ikora iminsi yose amanywa n’ijoro (24/7), kugira ngo ijye isubiza ibibazo by’abakiriya bacu bavuga indimi zitandukanye.
Nanone banki yacu irimo kwita ku bakiriya bafite ibibazo bijyanye n’inguzanyo. Abakiriya bashobora gusaba kongererwa igihe cyo kwishyura inguzanyo, hagendewe ku gihe kingana n’amezi atatu. Nanone tubafasha kuvugurura amasezerano yo kwishyura inguzanyo bafashe. Twatangije n’ubundi bwoko budasanzwe bwo kwaka inguzanyo bwitwa Turi Kumwe Special Loan, mu rwego rwo gufasha abacuruzi bagizweho n’ingaruka z’iki cyorezo. Umukiriya ashobora guhabwa inguzanyo ikubye kabiri umushahara we; yishyurwa mu gihe cy’amezi cumi n’abiri, kandi umuntu akaba ashobora gutangira kwishyura nyuma y’amezi atatu ayihawe. Nanone turimo kureba uko twakwagura ubundi bwoko bw’inguzanyo dutanga yitwa BKquick. Iyo ni inguzanyo yihuse, kandi umukiriya ayihabwa bitabaye ngombwa ko yuzuza impapuro ngo azijyane ku ishami ryacu.”
Abakiriya bafite ikibazo bagana banki bate?
“Niba ufite ikibazo, ihutire kwegera banki uhamagara Urwego Rushinzwe Kwita ku Bakiriya cyangwa umwe mu bakozi barwo cyangwa agahamagara terefoni yacu.”
Terefoni yacu: 4455
Amasaha y’akazi mu mashami yacu: kuva ku wa Mbere kugeza ku wa Gatanu ni ukuva 8:00 (mu gitondo) kugeza 3:00 (z’umugoroba), no mu mashami amwe n’amwe akora ku wa Gatandatu no ku Cyumweru. Ukeneye ibindi bisobanuro wahamagara nomero yacu.
Ushaka inguzanyo ya BKquick: Kanda *334# ukurikize amabwiriza.