Businesswomen call for streamlined means of access to finance and investment opportunities
SME Response Clinic at Rwanda Broadcasting Agency
Businesswomen call for streamlined means of access to finance and investment opportunities
Check out our upcoming event ‘Relief Measures available for Women Entrepreneurs during and post COVID19′ here.
Amahugurwa ya AMI atangwa kuri interineti: Amasomo ku Guhangana n’Ingorane no Kwigira ku Bandi - Mathew Rwahigi
Amahugurwa ya AMI atangwa kuri interineti: Amasomo ku Guhangana n’Ibibazo no Kwigira ku Bandi
Ongera ubumenyi bwawe bwo gucunga ibikorwa by’ubucuruzi ubikesheje amahugurwa ya AMI atangwa ku buntu:
Amahugurwa: https://smeresponse.clinic/2020/07/08/ami-business-bootcamp/
Ubuhamya: Matthew Rwahigi, Nyiri Thella Café – Kuwa gatandatu tariki ya 30 Gicurasi, 2020
Matthew Rwahigi, ufite igikorwa cy’ubucuruzi buto ku Gisozi, yahuye n’ibibazo bikomeye igihe gahunda ya “guma mu rugo” yatangiraga muri Kigali bitewe na COVID-19. Ku bw’amahirwe, bitewe n’uko yitabiriye amahugurwa ya AMI ku bikorwa by’ubucuruzi buto, yigiyemo uburyo bwo kuganira n’abamuha ibicuruzwa ndetse n’abo akodeshereza inzu mu rwego rwo gufata ibyemezo bikomeyo byo gutuma ubucuruzi bwe burokoka.
“Ibiganiro hamwe n’ibyo wumvana bagenzi bawe mu gihe cy’amahugurwa ya AMI, bituma wumva utari wenyine. Mbere nabanje kumva ko ahari nahisemo nabi ibikorwa by’ubucuruzi nakoraga, ariko ibi ntibyari byo, ahubwo napfushije ubusa ibyo nari narizigamye nta mpamvu. Ariko iyo wumvise abandi bantu, wumva ko hari abandi bantu benshi musangiye ibibazo. Bityo bikagutera imbaraga zo gukomeza no gushaka ubushobozi bwo kubikemura.”
Ni iki cyakugiriye akamaro kurusha ibindi mu mahugurwa ya AMI?
Icyambere, nize gushyira imbaraga mu gucunga igikorwa cy’ubucuruzi. Nabashije gushyira imbaraga kurushaho ku bucuruzi bwanjye. Kuva natangira gushyira imbaraga ku bucuruzi bwanjye kurushaho – nabonye ko mbere ntakoraga ubucuruzi, sinari narabonye amasomo n’ubumenyi mu gutegura gahunda no gufata ibyemezo bikomeye, nko kwirukana abakozi.
Icyakabiri, nungukiye mu guhura n’abandi no kumenya ibibazo abandi bahura na byo. Ibi byanyigishije byinshi. Rwose mpa agaciro abandi bacuruzi n’ibitekerezo byabo, kugira ngo ibikorwa by’ubucuruzi byanjye bikomeze, ngomba kugirana imikoranire na bo. Ubu nibura mfite ubumenyi, kandi niyo ibi bikorwa by’ubucuruzi byanjye byahagarara, ngatangira ibindi, naba mfite amakuru n’ubushobozi bihagije.
Ni gute AMI yagufashije?
Iyo ukeneye kubaza ikibazo runaka, AMI ikubwira amayeri wakoresha, ikanaguha ibitekerezo. Bafite ipaji ku rubuga rwabo rwa interineti yifashishwa mu gushakisha amakuru ku bucuruzi, iriho ibyo wakenera n’amasomo, kandi ibi ni ingenzi mu rwego rwo gukomeza kongera ubumenyi.
“Itsinda rya AMI ryadufashije rwose kumva ko ubuzma butahagaze, kumva ko hari icyorezo, ariko ko dushobora gukomeza guteza imbere ibikorwa by’ubucuruzi tukabasha kurokoka icyorezo, kandi ko dufite amahirwe yo gukomeza nyuma y’icyorezo.”
Ongera ubumenyi bwawe bwo gucunga ibikorwa by’ubucuruzi ubikesheje amahugurwa ya AMI atangwa ku buntu:
Amahugurwa: https://smeresponse.clinic/2020/07/08/ami-business-bootcamp/
AMI Online Bootcamp: Tools for Managing Risk and Learning from Others
Improve your business management skills with AMI’s free Bootcamp and Trainings:
Bootcamp: Tuesday, July 14th, 2020 – https://www.africanmanagers.org/rwandabusinessbootcamp/
Testimonial: Matthew Rwahigi, Owner, Thella Café – Saturday May 30, 2020
Matthew Rwahigi, a small business owner in Gisozi, was hit hard when the COVID-19 lockdowns began in Kigali. Luckily, as a participant in AMI’s trainings for small businesses, he learned the skills to negotiate with suppliers and his landlords and to make the tough decisions needed to help his business survive.
“The conversations and hearing from other colleagues through the AMI workshops, you feel like you’re not alone. At first I thought maybe I was in the wrong business, this was a bad idea, I just burnt my savings for no good reasons. But then you hear other people and you feel that you are in this with so many others. It gives you the strength to stay the course and find the resources to manage.”
What was most valuable for you about the AMI trainings?
First, I learned to focus on learning how to manage a business. I got to focus a bit on my business. Since I Getting to focus a bit – I hadn’t done business in the past, I did not have the tools and skills to plan and make tough decisions, like having to lay off staff.
Second, I benefited from networking and finding out what other people are going through. I learned a lot from this. I really value the community of business people and their input, because if my business is going to survive, I need these relationships. Now at least I have some knowledge, and if my business doesn’t survive, and if I started another business I would be better informed, and more empowered.
How has AMI supported you?
AMI is there when you need to ask a question, to give you tips and ideas. There is an online business portal with tools and courses, and these are important in continuing to build skills.
“The AMI group really helped us in empowering us to feel that this is not the end of the road, to have a feeling that yes, there is a pandemic but you can still try to tune your business up a bit to survive the pandemic, and even have an opportunity to continue after the pandemic.”
Improve your business management skills with AMI’s free Bootcamp and Trainings:
Bootcamp: Tuesday, July 14th, 2020 – https://www.africanmanagers.org/rwandabusinessbootcamp/
Iyandikishe uyu munsi!/ Sign Up Today!
AMI Online Bootcamp: Tools for Managing Risk and Learning from Yannick Tuyishime
AMI Online Bootcamp: Tools for Managing Risk and Learning from Others
Testimonial: Yannick Tuyishime, CEO and cofounder of Tsapal Company Ltd
Yannick Tuyishime is the CEO and co-founder of Tsapal Company Ltd, a footwear and apparel manufacturing company since late 2019. The company was brand new when the COVID-19 pandemic hit, but participating in the AMI Bootcamp helped to keep business afloat during crisis.
“When we came up with the idea for our company, we saw that there are many problems in the community that we can do something about. The first is that there are high rates of unemployment in Rwanda and in Africa. The other is that we see that we can do something that can do boost Made in Rwanda products. Import taxes are high in Rwanda, and so by increasing Made in Rwanda products we can fill the gap by bringing prices down and manufacturing locally.”
With the AMI Bootcamp, Yannick learned how to better manage cashflow, negotiate with his landlord, improve communications between staff and with customers, and assess and plan for risks. This allowed him to receive a reduction on rent during the worst part of the lockdown, as well as to keep all staff employed by making some salary reductions as well as cutting down on unnecessary costs. The company even reduced some of the product prices so as to keep customers on board and not lose them during the pandemic.
Yannick encourages other Rwandan entrepreneurs to attend AMI’s courses and upcoming Bootcamps so that they too can benefit from the toolkit and learn to manage risks, negotiate with customers and suppliers, and bring larger visions to fruition while dealing with today’s challenges.
“I appreciate the AMI Bootcamp because now I record weekly all of our expenses in the business and use the project management plan. The other thing is that I’ve learned how to assess some risks – like in this time, what I’ve learned from AMI bootcamp is that I can sit down and see what is not going well, what is going well, in cash management. I can make an action plan to meet the risks that I’ve assessed. Wholeheartedly, I can’t thank AMI enough and I encourage everyone to attend AMI Bootcamps and for those who have already attended to take some of the other courses that they provide. When someone wants to grow a business sustainably the AMI bootcamp will really help.”
Amahugurwa ya AMI atangwa kuri interineti: Amasomo ku guhangana n’ingorane no kwigira ku bandi
Ubuhamya: Yannick Tuyishime, Umuyobozi Mukuru, akaba no mu bashinze Tsapal Company Ltd
Yannick Tuyishime ni Umuyobozi Mukuru, akaba no mu bashinze Tsapal Company Ltd, ikigo gikora inkweto n’imyenda kuva mu mpera za 2019. Iki kigo niho cyari kigitangira ubwo icyorezo cya COVID-19 cyadukaga, ariko amahugurwa ya AMI yabafashije gukomeza gukora ibikorwa by’ubucuruzi byabo mu gihe cy’icyorezo.
“Mu gihe twagiraga igitekerezo cyo gutangiza ikigo cyacu, twari twabonye ko hari ibibazo byinshi mu muryango nyarwanda dushobora kugiramo uruhare mu gukemura. Icya mbere ni uko hari abantu benshi badafite akazi mu Rwanda no muri Afurika. Ikindi ni uko tubona ko dushobora gukora ikintu gishobora guteza imbere ibikorerwa mu Rwanda. Bitewe n’uko imisoro n’amahoro ku bicuruzwa bitumizwa hanze bihanitse mu Rwanda, turamutse twongereye ibikorerwa mu Rwanda, dushobora kuziba icyo cyuho ibiciro bikagabanuka kuko ibicuruzwa byaba bikorewe mu gihugu.”
Mu mahugurwa ya AMI, Yannick yigiyemo uburyo bwo gucunga neza imikoreshereze y’amafaranga, kumvikana n’abo akodeshereza inzu, kunoza uburyo bwo guhanahana amakuru hagati y’abakozi n’abakiriya, hamwe no gusesengura no gukora igenamigambi mu rwego rwo guhangana n’ingorane. Ibi byatumye agabanyirizwa amafaranga akodesha inzu mu bihe byari bikomeye bya Gahunda ya Guma mu rugo, hamwe no kugumana abakozi bose yakoreshaga binyuze mu kugabanya imishahara n’amafaranga yakoreshwaga mu bintu bitari ngombwa. Ikigo cyanagabanyije ibiciro bya bimwe mu bicuruzwa hagamijwe kugumana abakiriya kugira ngo batabatakaza mu gihe cy’icyorezo.
Yannick arashishikariza abandi ba rwiyemezamirimo b’Abanyarwanda kwitabira amasomo ya AMI hamwe n’amahugurwa ari imbere kugira ngo na bo babashe kuyungukiramo kandi banige uburyo bwo guhangana n’ingorane, kumvikana n’abakiriya ndetse n’ababagemurira ibicuruzwa, kandi bashyire mu bikorwa intego bafite, banahangana n’imbogamizi ziboneka muri iyi minsi.
“Nshimishijwe n’amahugurwa ya AMI kubera ko ubu noneho nandika amafaranga yose yakoreshejwe mu bikorwa by’ubucuruzi buri cyumweru kandi ngakoresha gahunda yo gucunga neza ubucuruzi. Ikindi ni uko nize uburyo bwo gusesengura ingorane – nk’ubu ngubu, icyo nigiye mu mahugurwa ya AMI ni uko nshobora kwicara nkabasha kubona ibitagenda neza mu bijyanye no gucunga amafaranga. Nshobora gukora gahunda y’ibikorwa nifashisha mu guhangana n’ingorane nasesenguye. Mbikuye ku mutima, sinzi uko nashimira AMI, kandi ndashishikariza abantu bose kwitabira amahugurwa ya AMI, abamaze kuyitabira bakaba bakwiga andi masomo batanga. Niba ushaka gukora ubucuruzi ku buryo burambye, amahugurwa ya AMI azagufasha rwose.”
Sign Up Today!
Survey Conducted to Understand Impact of COVID-19 on MFIs and SACCOs in Rwanda
Survey Conducted to Understand the Impact of COVID-19 on MFIs and SACCOs in Rwanda
Access to Finance Rwanda (AFR) in partnership with the Association of Microfinance Institutions in Rwanda (AMIR) recently conducted a survey to understand the impact and challenges faced by the microfinance sector due to the COVID-19 pandemic. A total of 177 microfinance institutions responded to the survey, which aims to provide key information to inform stakeholders and policymakers on ways to provide support to the sector. The survey revealed various mitigation measures implemented by the sector to stay afloat during the pandemic; however, the sector needs external support to meet a variety of needs going forward. These include the urgent need for liquidity, to digitize operations, and for the extension of relief from BNR to support liquidity.
The focus note and research findings can be found here: Focus Note and Research Findings.
For more information, reach out to AFR at info@afr.rw or AMIR here.
AMI Online Bootcamp: Tools for Managing Risk and Learning from Others - Mathew Rwahigi
AMI Online Bootcamp: Tools for Managing Risk and Learning from Others
Improve your business management skills with AMI’s free Bootcamp and Trainings:
Bootcamp: Tuesday, August 11th, 2020 – https://smeresponse.clinic/2020/07/19/ami-business-bootcamp/
Testimonial: Matthew Rwahigi, Owner, Thella Café – Saturday May 30, 2020
Matthew Rwahigi, a small business owner in Gisozi, was hit hard when the COVID-19 lockdowns began in Kigali. Luckily, as a participant in AMI’s trainings for small businesses, he learned the skills to negotiate with suppliers and his landlords and to make the tough decisions needed to help his business survive.
“The conversations and hearing from other colleagues through the AMI workshops, you feel like you’re not alone. At first I thought maybe I was in the wrong business, this was a bad idea, I just burnt my savings for no good reasons. But then you hear other people and you feel that you are in this with so many others. It gives you the strength to stay the course and find the resources to manage.”
What was most valuable for you about the AMI trainings?
First, I learned to focus on learning how to manage a business. I got to focus a bit on my business. Since I Getting to focus a bit – I hadn’t done business in the past, I did not have the tools and skills to plan and make tough decisions, like having to lay off staff.
Second, I benefited from networking and finding out what other people are going through. I learned a lot from this. I really value the community of business people and their input, because if my business is going to survive, I need these relationships. Now at least I have some knowledge, and if my business doesn’t survive, and if I started another business I would be better informed, and more empowered.
How has AMI supported you?
AMI is there when you need to ask a question, to give you tips and ideas. There is an online business portal with tools and courses, and these are important in continuing to build skills.
“The AMI group really helped us in empowering us to feel that this is not the end of the road, to have a feeling that yes, there is a pandemic but you can still try to tune your business up a bit to survive the pandemic, and even have an opportunity to continue after the pandemic.”
Improve your business management skills with AMI’s free Bootcamp and Trainings:
Bootcamp: Tuesday, August 11th, 2020 – https://smeresponse.clinic/2020/07/19/ami-business-bootcamp/
Amahugurwa ya AMI atangwa kuri interineti: Amasomo ku Guhangana n’Ibibazo no Kwigira ku Bandi
Ongera ubumenyi bwawe bwo gucunga ibikorwa by’ubucuruzi ubikesheje amahugurwa ya AMI atangwa ku buntu:
Amahugurwa: kuwa kabiri, tariki ya 14 Nyakanga2020 –https://www.africanmanagers.org/rwandabusinessbootcamp/
Ubuhamya: Matthew Rwahigi, Nyiri Thella Café – Kuwa gatandatu tariki ya 30 Gicurasi, 2020
Matthew Rwahigi, ufite igikorwa cy’ubucuruzi buto ku Gisozi, yahuye n’ibibazo bikomeye igihe gahunda ya “guma mu rugo” yatangiraga muri Kigali bitewe na COVID-19. Ku bw’amahirwe, bitewe n’uko yitabiriye amahugurwa ya AMI ku bikorwa by’ubucuruzi buto, yigiyemo uburyo bwo kuganira n’abamuha ibicuruzwa ndetse n’abo akodeshereza inzu mu rwego rwo gufata ibyemezo bikomeyo byo gutuma ubucuruzi bwe burokoka.
“Ibiganiro hamwe n’ibyo wumvana bagenzi bawe mu gihe cy’amahugurwa ya AMI, bituma wumva utari wenyine. Mbere nabanje kumva ko ahari nahisemo nabi ibikorwa by’ubucuruzi nakoraga, ariko ibi ntibyari byo, ahubwo napfushije ubusa ibyo nari narizigamye nta mpamvu. Ariko iyo wumvise abandi bantu, wumva ko hari abandi bantu benshi musangiye ibibazo. Bityo bikagutera imbaraga zo gukomeza no gushaka ubushobozi bwo kubikemura.”
Ni iki cyakugiriye akamaro kurusha ibindi mu mahugurwa ya AMI?
Icyambere, nize gushyira imbaraga mu gucunga igikorwa cy’ubucuruzi. Nabashije gushyira imbaraga kurushaho ku bucuruzi bwanjye. Kuva natangira gushyira imbaraga ku bucuruzi bwanjye kurushaho – nabonye ko mbere ntakoraga ubucuruzi, sinari narabonye amasomo n’ubumenyi mu gutegura gahunda no gufata ibyemezo bikomeye, nko kwirukana abakozi.
Icyakabiri, nungukiye mu guhura n’abandi no kumenya ibibazo abandi bahura na byo. Ibi byanyigishije byinshi. Rwose mpa agaciro abandi bacuruzi n’ibitekerezo byabo, kugira ngo ibikorwa by’ubucuruzi byanjye bikomeze, ngomba kugirana imikoranire na bo. Ubu nibura mfite ubumenyi, kandi niyo ibi bikorwa by’ubucuruzi byanjye byahagarara, ngatangira ibindi, naba mfite amakuru n’ubushobozi bihagije.
Ni gute AMI yagufashije?
Iyo ukeneye kubaza ikibazo runaka, AMI ikubwira amayeri wakoresha, ikanaguha ibitekerezo. Bafite ipaji ku rubuga rwabo rwa interineti yifashishwa mu gushakisha amakuru ku bucuruzi, iriho ibyo wakenera n’amasomo, kandi ibi ni ingenzi mu rwego rwo gukomeza kongera ubumenyi.
“Itsinda rya AMI ryadufashije rwose kumva ko ubuzma butahagaze, kumva ko hari icyorezo, ariko ko dushobora gukomeza guteza imbere ibikorwa by’ubucuruzi tukabasha kurokoka icyorezo, kandi ko dufite amahirwe yo gukomeza nyuma y’icyorezo.”
Ongera ubumenyi bwawe bwo gucunga ibikorwa by’ubucuruzi ubikesheje amahugurwa ya AMI atangwa ku buntu:
Amahugurwa: kuwa kabiri, tariki ya 14 Nyakanga, 2020 –https://www.africanmanagers.org/rwandacovidwebinars/
Sign Up Today! / Iyandikishe uyu munsi!
Guverinoma y’u Rwanda yatangije Ikigega cyo Kuzahura Ubukungu hamwe no Gushyigikira Ibigo by’ubucuruzi Bito n’Ibiciriritse
Guverinoma y’u Rwanda yatangije Ikigega cyo Kuzahura Ubukungu hamwe no Gushyigikira Ibigo by’ubucuruzi Bito n’Ibiciriritse
Ushaka amakuru yose yerekeye Ikigega cyo Kuzahura Ubukungu, wasura urubuga rwa interineti rwa Minisiteri y’Imari n’Igenamigambi (MINECOFIN): Amabwiriza agenga imikorere y’Ikigega cyo Kuzahura Ubukungu .
Ikigega cyo Kuzahura Ubukungu giherutse gutangizwa gishyigikira by’umwihariko ibyiciro by’ Ibigo by’ubucuruzi Bito n’Ibiciriritse bikurikira:
Ushaka amakuru yose kuri iyi nguzanyo, wasoma inyandiko ikurikira: |
Kuwa 02/06/ 2020, Banki Nkuru y’u Rwanda yatangije Ikigega cyo Kuzahura Ubukungu hagamijwe gufasha ibikorwa by’ubucuruzi byahuye n’ibibazo bitewe n’icyorezo cya COVID-19. BNR yabonye ko ari ngombwa gufasha abafite ibikorwa by’ubucuruzi kongera gusubukura ibikorwa byabo no kubungabunga imirimo, kandi ibyo bikorwa bishingiye ku Bigo by’ubucuruzi Bito n’Ibiciriritse.
Hari ubwoko bune bw’ibikorwa by’ubucuruzi icyo Kigega kizibandaho, harimo n’Ibigo by’ubucuruzi Bito n’Ibiciriritse. Ari byo:
- Ibigo by’ubucuruzi binini: Ibigo by’ubucuruzi cyangwa amakoperative afite igicuruzo rusange kirenga miliyoni 500 FRW ku mwaka;
- Ibigo by’ubucuruzi Bito n’Ibiciriritse: Ibigo by’ubucuruzi cyangwa amakoperative afite igicuruzo rusange kiri hagati ya miliyoni 20 na miliyoni 500 FRW ku mwaka.
- Ibikorwa by’ubucuruzi bito: Ibigo by’ubucuruzi cyangwa amakoperative afite igicuruzo rusange kiri munsi ya miliyoni 20 FRW ku mwaka;
- Ibigo by’imari bigira uruhare mu bikorwa by’ubucuruzi: Amabanki n’Ibigo by’imari biciriritse;
Ibyo Bigo by’imari bigira uruhare mu bikorwa by’ubucuruzi byemerewe guhabwa inguzanyo binyuze mu Kigega, byemerewe guhabwa iyo nguzanyo mu gihe cy’imyaka ibiri uhereye igihe amabwiriza ya BNR yashyiriwe umukono. Ikigega kigamije by’umwihariko guha inguzanyo ibikorwa by’ubucuruzi byujuje ibisabwa, by’umwihariko mu byiciro bitatu bikurikira: guha inguzanyo amahoteli, ubukerarugendo no kwakira abantu, imari shingiro n’umwenda ntarengwa ku bigo binini n’ Ibigo by’ubucuruzi Bito n’Ibiciriritse hamwe n’ibikorwa by’ubucuruzi biciriritse.
Amahoteli, Ubukerarugendo no Kwakira ababagana:
Amafaranga yose yagenewe urwego rw’ubukerarugendo agera kuri miliyari 50 FRW. Hashingiwe ku Kigega, bisobanurwa ko “hoteli” ari ikigo gicumbikira, kigaburira, kandi kinatanga izindi serivisi ku babagenderera na bamukerarugendo. Mu gihe ikigo kidafite amacumbi, ntikizashyirwa mu cyiciro cy’ibizahabwa amafaranga.
Amafaranga azahabwa amahoteli yagizweho ingaruka n’icyorezo cya COVID-19 kandi yujuje ibisabwa, azanyuzwa mu mabanki, kandi inyungu ku nguzanyo ntigomba kurenga 5% ku mwaka. Kugira ngo ayo mahoteli ahabwe izo nguzanyo, agomba kuba yari afite inguzanyo yari itarishyurwa mbere yo kuwa 31/05/2020. Ikindi kandi, inguzanyo igomba kuba yarishyurwaga neza kugera mu mpera za Gashyantare 2020.
Ibikorwa by’ubucuruzi bizahabwa inguzanyo, bizahabwa imyaka itatu bitishyura inguzanyo mbere y’uko bitangira kwishyura; muri ikigihe ntibasabwa kwishyura –kandi bahabwa igihe kingana n’imyaka 15 yo kwishyura inguzanyo yose, izatangirwa kwishyurwa nyuma y’imyaka itatu batishyura inguzanyo. Urugero, nuhabwa inguzanyo n’ikigo cy’imari muri Kamena 2020, uzatangira kuyishyura muri Nyakanga 2023.
Imari shingiro n’umwenda ntarengwa:
Mu mafaranga yose yagenewe urwego rw’ubukerarugendo, miliyari 30 FRW zagenewe ibigo binini, mu gihe miliyari 15 FRW zagenewe Ibigo by’ubucuruzi Bito n’Ibiciriritse.
Ibikorwa by’ubucuruzi by’ibigo binini n’ iby’Ibigo by’ubucuruzi Bito n’Ibiciriritse bizahabwa inguzanyo zo kuziba icyuho mu mari shingiro yabyo. Hazashyirwaho n’amafaranga y’inguzanyo ntarengwa azakoreshwa mu gusana, kuvugurura, ibikoresho, no gushora imari mu ikoreshwa ry’ikoranabuhanga, nko kuba hakifashishwa ikoranabuhanga mu kugemura ibicuruzwa no gutanga serivisi. Ibikorwa by’ubucuruzi n’Ibigo by’ubucuruzi Bito n’ibiciriritse byujuje ibisabwa bizahabwa izi nguzanyo inshuro imwe gusa binyuze mu mabanki, kandi bizaba byemerewe amafaranga ashobora kugera kuri miliyo 75 FRW (Ibigo by’ubucuruzi Bito n’Ibiciriritse) na miliyoni 300 FRW (Ibigo binini), hashingiwe ku isesengura rya banki no ku bushobozi bwo kwishyura bw’usaba inguzanyo.
- Kugira ngo ibi bikorwa by’ubucuruzi byemererwe guhabwa izo nguzanyo, hagomba kugaragazwa ko ibyo bikorwa byagize igihombo kigera kuri 50% giturutse ku cyorezo cya COVID-19 (Mutarama – Gicurasi 2020 ugereranyije na Mutarama – Gicurasi 2019) hashingiwe ku Musoro ku Nyongeragaciro (TVA) watanzwe mu Kigo cy’Igihugu cy’Imisoro n’Amahoro (RRA). Ugomba kandi kwerekana icyemezo cy’uko nta birarane by’imisoro wari ufitiye RRA mu mpera za Gashyantare 2020, ukerekana kandi ko wishyuraga neza inguzanyo iyo ari yo yose wari ufite kugeza mu mpera za Gashyantare 2020. Ibikorwa by’ubucuruzi bikeneye ingoboka, ba nyirabyo bagomba kuba bafite inyandiko zerekeye imari n’iz’imisoro ziri ku murongo mbere yo gutanga ubusabe bwabo.
Ku bijyanye n’inguzanyo, mbere na mbere zizahabwa abasa inguzanyo bujuje ibisabwa na BNR:
- Abasa inguzanyo bagaragaza ko izabafasha kuzahura igicuruzo rusange kugera nibura kuri 75% y’urwego bariho mbere y’icyorezo cya COVID-19;
- Abasa inguzanyo bagaragaza ko izabafasha kubungabunga imirimo cyangwa guhanga imishya. Mu kugaragaza ibi, ba nyiribikorwa by’ubucuruzi bagomba kugaragaza umusoro ku Bihembo n’imisanzu y’ubwiteganyirize batangira abakozi mu rwego rwo kugaragaza umubare w’abakozi bari bafite mbere y’icyorezo cya COVID-19, kugira ngo hagaragazwe umubare w’imirimo izabungwabungwa cyangwa imishya izahangwa nyuma ya COVID-19 babikesheje iyo nguzanyo;
- Abasa inguzanyo bagaragaza ko bazongera ingano y’imisoro batanga babikesheje iyo nguzanyo. Ibi bishobora guturuka ku mirimo izabungwabungwa cyangwa igicuruzo rusange kiziyongera bigatuma n’amafaranga yishyurwa imisoro yiyongera. Ibi bigaragarira ku Musoro ku Nyongeragaciro, Umusoro ku Bihembo, n’umusoro ku nyungu wakiriwe.
Niba ibikorwa by’ubucuruzi byawe byaratangiye nyuma ya Gicurasi 2019, ushobora nawe kwemererwa inguzanyo mu gihe werekanye uruhare rwawe mu guteza imbere ubukungu kandi ko COVID-19 yagize ingaruka ku bikorwa by’ubucuruzi byawe. Ugomba kandi kuba ufite inyandiko zigaragaza izo ngaruka ku gicuruzo rusange cyawe.
Ku bijyanye n’imari shingiro cyangwa umwenda ntarengwa:
Banki zizaba zifite ubushobozi bwo gutanga izi nguzanyo ku Bigo by’ubucuruzi Bito n’Ibiciriritse ku nyungu ya 8% mu gihe cy’imyaka itanu, harimo n’umwaka umwe wo kutishyura inguzanyo. Usaba inguzanyo wese uzahabwa iyi nguzanyo, azaba ayemerewe inshuro imwe gusa mu kigo kimwe.
Inguzanyo ku bikorwa by’ubucuruzi bito:
Mu mafaranga yose yagenewe urwego rw’ubukerarugendo, miliyari 3 FRW (miliyari 1 RWF yagenewe abafite ibikorwa by’ubucuruzi bito bagana Ibigo by’imari iciriritse na miliyari 2 FRW yagenewe abakiriya ba SACCO).
Abafite ibikorwa by’ubucuruzi bito bujuje ibisabwa bazahabwa inguzanyo zo kubafasha kuzahura ibikorwa byadindijwe na COVID-19. Izi nguzanyo zizatangwa binyujijwe mu Bigo by’Imari Iciriritse bifite uburyozwe buhinnye. Abasaba inguzanyo bazaba bemerewe guhabwa amafanga agera kuri miliyoni 5 FRW inshuro imwe gusa binyujijwe muri ibi Bigo by’Imari Iciriritse, hashingiwe ku isesengura ryakozwe n’Ikigo cy’Imari Iciriritse ndetse no ku bushobozi bwo kwishyura.
Ibigo bito bizahabwa inguzanyo bigomba kuba byujuje ibi bikurikira:
- Abasaba inguzanyo bagomba kuba bafite ibikorwa by’ubucuruzi byanditswe ku buryo bwemewe n’amategeko nk’ikigo cy’ubucuruzi, koperative cyangwa nk’uwikorera;
- Abasaba inguzanyo bagomba kugaragaza ingaruka za COVID-19 berekana ko bagize nibura igihombo cya 50% (Mutarama – Gicurasi 2020 ugereranyije na Mutarama – Gicurasi 2019), bifashishije Umusoro ku Nyongeragaciro batanze mu Kigo cy’Igihugu cy’Imisoro n’Amahoro (RRA) nk’urugero.
- Abasaba inguzanyo bagomba kugaragaza icyemezo cya RRA cyo kutabamo ibirarane by’umusoro kugeza mu mpera ya Gashyantare 2020 mu rwego rwo kugaragaza ko bishyuraga imisoro neza mbere y’icyorezo;
- Abafite ibikorwa by’ubucuruzi bito basaba izi nguzanyo bagomba kugaragazo ko bishyuraga neza inguzanyo iyo ari yo yose bari bafite kugeza mu mpera ya Gashyantare 2020;
- Hari ibikorwa by’ubucuruzi bito biba bitanditse mu Musoro ku Nyongeragaciro. Ba nyirabyo bashobora kwereka Ikigo cy’Imari Iciriritse bakorana izindi nyandiko mu rwego rwo kugaragaza ingaruka COVID-19 yabagizeho. Ushaka kumenya ibisabwa, wakwegera Ikigo cy’Imari Iciriritse mukorana bakaguha amakuru yose.
Ibikorwa by’ubucuruzi bito byose bizahabwa inguzanyo binyuze mu Kigega, bizayihabwa ku nyungu ya 8% ku mwaka, binahabwe n’igihe cy’amezi atatu yo kutishyura. Uhabwa iyi nguzanyo wese, ayihabwa inshuro imwe gusa kandi mu kigo kimwe gusa.
Ni gute nakorana n’Ikigega cyo Kuzahura Ubukungu?
Ushaka guhabwa iyi nguzanyo, wakwegera Ikigo cy’Imari mukorana. Ikigo cy’ubucuruzi giciriritse icyo ari cyo cyose cyangwa abandi bafite ibikorwa by’ubucuruzi bifuza gukorana n’Ikigega, bazatanga inyandiko isaba inguzanyo muri banki cyangwa Ibigo by’Imari Iciriritse bakorana nabyo, hanyuma bige dosiye yawe, bagusabe izindi nyandiko za ngombwa, banarebe niba wujuje ibisabwa kugira ngo uhabwe inguzanyo. Ushobora kubona urutonde rw’amabanki na nomero z’abakozi bazo wahamagaraho ku rubuga rwa interineti rwa SME Response Clinic.
Ushobora no kwandikira Minisiteri y’Imari n’Igenamigambi ukayigezaho ibibazo byawe ubinyujije kuri erf@minecofin.gov.rw.
Icyitonderwa: Kuba warujuje neza dosiye yawe, kuba warishyuye neza inguzanyo wigeze gufata cyangwa wishyura neza izo ufite, no kugaragaza igihombo watewe na COVID-19, bizagufasha gukorana n’Ikigega cyo Kuzahura Ubukungu binyujijwe muri banki mukorana. Ibyemezo byose bizafatwa n’amabanki ashingiye kuri dosiye ya buri muntu kugira ngo ayo mafaranga azakoreshwe neza kandi ahabwe ibikorwa by’ubucuruzi biyakwiriye koko.
Ibyifashishijwe mu gutegura iyi nyandiko:
Itangazo 3000/2020 – 04931/0010BNR [902.4]. Banki Nkuru y’u Rwanda.
Amabwiriza agenga imikorere y’Ikigega cyo Kuzahura Ubukungu . MINECOFIN. May 2020.
Government of Rwanda Launches Economic Recovery Fund – Including Support to SMEs
For full information on the Economic Recovery Fund, please see the website of the Ministry of Finance and Economic Planning (MINECOFIN): Economic Recovery Fund Operational Guidelines.
| The newly launched Economic Recovery Fund includes key areas of support to SMEs:
For a full description of the Fund, please read the article below.
|
On June 2nd, 2020, the National Bank of Rwanda launched the Economic Recovery Fund, with the goal of providing support to those businesses hit hardest by the COVID-19 pandemic. BNR has recognized the need to help businesses resume their operations and safeguard employment, and SMEs are core to the response.
There are four categories of businesses that are targeted through the Fund, including SMEs. These are:
- Large Corporate Businesses: Those companies or cooperatives with annual turnover of greater than FRW 500 million;
- Small and Microenterprises (SMEs): Those companies or cooperatives with an annual turnover between FRW 20 Million and FRW 500 Million.
- Micro Businesses: Companies or cooperatives with an annual turnover of less than FRW 20 million;
- Participating Financial Institutions or PFIs: Banks and Limited Microfinance Institutions;
Those participating financial institutions who are eligible for financing through the Fund will have access for a period of two years, beginning with the signature of the BNR directive. The Fund has a specific focus on refinancing for those businesses who will be deemed eligible, especially in three areas: hotel, tourism and hospitality refinancing, working capital and lines of credit for corporations and SMEs, and micro businesses.
Hotels, Tourism and Hospitality:
Funds allotted for the tourism industry overall total 50 Billion RWF. Under the fund, a “hotel” refers to an establishment providing accommodation, meals, and other services for travelers and tourists. If the establishment does not provide accommodation will not be treated under the refinancing window category.
Refinancing for hotels negatively affected by COVID-19 and eligible for the facility will be available through banks, and interest rates for these loans will not exceed 5.0% per annum. To access these loans, hotels must have a current loan that was still outstanding prior to May 31st, 2020. Importantly, the loan must have been performing as of the end of February, 2020.
Those businesses receiving refinancing will have a three-year grace period, a period in which they are not required to make repayments – as well as a period of up to 15 years to repay in full , which will commence after the three-year grace period. For example, if you receive a loan in June 2020 from a financial institution, your repayment will start from July 2023.
Working capital and lines of credit:
Funds allotted for the tourism industry overall total 30 Billion RWF for large companies and 15 Billion RWF for SMEs.
Large corporate businesses and SMEs will have access to financing to cover needs for working capital. There will also be lines of credit available to cover expenses for repairs, restorations, equipment, and investment in technological solutions, such as moving to online distribution channels. Eligible businesses and SMEs will also access these facilities through banks one time only, and will have access to up to FRW 75 million (SMEs) and FRW 300 Million (large corporations), subject to the bank’s assessment and the borrower’s capacity to repay.
To be eligible, these businesses must demonstrate a 50% loss due on their operations to COVID-19 (January – May 2020 vs. January – May 2019) based on VAT returns submitted to RRA. You must also present your RRA tax clearances as of the end of February 2020, and demonstrate that any existing loans were performing at the end of February 2020. It will be of the utmost importance that those businesses seeking relief have their financial and tax paperwork in order to make their applications.
In terms of loans, priority will be given to borrowers fitting certain criteria outlined by BNR:
- Borrowers who demonstrate that the Fund can aid in a recovery of business turnover to at least 75% of pre-COVID-19 levels;
- Borrowers that demonstrate that the Fund will either help to preserve existing jobs or create new employment. To demonstrate this, businesses will need to show PAYE and Social Security Returns to prove number of employees pre-COVID, and demonstrate the number of jobs that will be preserved or created post-COVID through access to the Fund;
- Borrowers that demonstrate an increased fiscal contribution through accessing the Fund. This could be through jobs preserved or increased turnovers that result in an increase in tax payments. This can be demonstrated through VAT, PAYE, and income tax receipts.
If your business began operating after May of 2019, you may still be considered if you can demonstrate both your contribution to economic development and the negative impact on your business from COVID. Again – you must have the paperwork to show the negative trend on your turnover.
In terms of working capital or lines of credit:
Banks will have the ability to grant these facilities to SMEs at an interest rate of 8.0% over a period of five years, with a grace period of one year. Any borrower accessing these facilities can do so only once, from one institution.
Micro business financing:
Funds allotted for the tourism industry overall total 3 Billion RWF (1 Billlion RWF for microbusiness clients of MFIs and 2 Billion RWF for SACCO clients).
Eligible micro businesses will have access to financing to help recover from COVID-19. Lending for these funds will be provided through Limited Liability Microfinance Institutions (MFIs). Borrowers will be able to access up to FRW 5 million through these MFIs one time only, based on an assessment by the MFI and the borrower’s ability to repay.
Eligible microbusinesses must meet the following criteria:
- Borrowers must have a legally registered business as a company, cooperative or sole proprietor
- Borrowers must demonstrate the negative impact of COVID-19 by proving at least 50% losses (January – May 2020 vs. January – May 2019), using VAT returns submitted to RRA as a reference
- Borrowers should be able to show their RRA tax clearance certificates as of the end of February 2020 to demonstrate good tax standing prior to the pandemic
- Micro businesses seeking these loans must show that any existing loans were in good standing as of the end of February 2020
- Some micro businesses are not eligible for VAT registration. These may show their MFI other paperwork to demonstrate the negative impact of COVID-19. To find out what is needed, talk with your MFI for more information
Any micro business receiving a loan through the Fund will receive an interest rate of 8.0% per annum and a loan term of three years with a grace period of three months. Any borrower accessing these facilities can do so only once, from one institution.
How do I access the Economic Recovery Fund?
To access the fund, talk with your financial institution. Any SMEs or other businesses wishing to access the Fund will submit their loan application directly to their bank or MFI, who will review your paperwork, request any additional documents needed, and assess your eligibility for the Fund. You can find the list of Banks with contact numbers of dedicated staff in the SME clinic website.
You may also write directly to MINECOFIN with questions at erf@minecofin.gov.rw.
Remember: Being able to present your paperwork, your good standing with any previous or outstanding loans, and your losses due to COVID will be key in accessing the Economic Recovery Fund through your bank. All decisions will be made by banks on a case by case basis, so that these funds can be used in the most prudent and responsible way possible and businesses that need them will have access.
Reference:
Announcement 3000/2020 – 04931/0010BNR [902.4]. National Bank of Rwanda.
Economic Recovery Fund Operational Guidelines. MINECOFIN. May 2020.
IBICIRO BIGEZWEHO KU BIJYANYE NA SERIVISI ZA MOBILE MONEY
IBICIRO BIGEZWEHO KU BIJYANYE NA SERIVISI ZA MOBILE MONEY: Kuwa 22 Kamena 2020
Ni ngombwa kugira amakuru ku bijyanye na serivisi z’imari kugira ngo ubashe gucunga imikoreshereze y’amafaranga yinjira n’asohoka! Amafaranga asabwa kuri serivisi za Mobile Money yasubijweho.
Guhera kuwa 19 Werurwe 2020 kugeza mu gihe cy’amezi atatu, hari harakuweho amafaranga yo :
- Guhererekanaya amafaranga hagati ya konti z’amabanki n’amakofi ngendanwa.
- Guhererekanya amafaranga
- Amafaranga y’ubwishyu hakoreshwa utumashini twifashishwa mu kwishyura (POS devices)
Kugira ngo abatanga serivisi za Mobile Money bakomeze kuzitanga,amafaranga asabwa mu itangwa ryazo azasubiraho guhera kuwa 22 Kamena 2020.
Ariko, gukoresha ikoranabuhanga ni bwo buryo bwizewe ushobora gukoresha. Mu gihe cyose bishoboka, koresha Mobile Money na serivisi z’ikoranabuhanga kugira ngo wirinde, urinde abakiriya bawe, n’umuryango wawe kwandura!
Ibyifashishijwe mu gutegura iyi nyandiko:
Itangazo rya Banki Nkuru y’u Rwanda: Isubiraho ry’amafaranga asabwa kuri serivisi za Mobile Money. Kuwa 18 Kamena 2020.
UPDATE ON MOBILE MONEY CHARGES: 22 June 2020
Keep yourself informed on financial services to best manage your cash flow! Mobile money charges have now been reinstated.
From 19 March 2020 for a period of three months, fees had been waived on:
- Transfers between bank accounts and mobile wallets
- Mobile money transfers
- Payments at points of sale (POS devices)
To ensure that mobile service providers can continue offering these services, fees will be charged on these services again as of 22 June 2020.
However, digital services are STILL your safest option. Whenever possible, use mobile money and digital services to keep yourself, your customers, and your family healthy and safe!
Reference:
BNR Public Notice: Reinstatement of Mobile Money Transaction Charges. 18th June 2020.
Moving Business Online in the Era of COVID: What Do I Need to Consider if I am Interested in E-Commerce?
18 June 2020
Moving Business Online in the Era of COVID: What Do I Need to Consider if I am Interested in E-Commerce?
An interview with HeHe, Rwanda
The SME Response Clinic was able to speak with Richard Rusa and Crepin Kayisire of HeHe, a Rwandan business that is helping to digitize commerce throughout the country. We wanted to find out more about what it means to move online at a time when in-person business has faced many challenges.
Moving to e-commerce or other digital solutions became an area of interest for many Rwandan businesses during the COVID-19 lockdown in the country. While some businesses had been considering doing more online business, the pandemic created a situation in which many needed to take the next step forward.
Solutions like HeHe’s help to connect supply and demand, as well as to facilitate logistics – things like shipping between provinces, delivering products, or picking up stock from warehouses. They also provide free training and support during the process of moving online – from advice on marketing, providing digital payment solutions, tips on using social media, and regular feedback – that can help a business to make a smooth transition.
Those businesses that sell online with HeHe pay once they are onboarded, either a monthly fee for a dedicated site or on commission if they sell on the larger marketplace.
“We’ve onboarded a number of retailers but for the pandemic, some of the key sectors were things like fast-moving consumer goods like groceries and things people need day-to-day in their homes. Pharmaceuticals as well were actively engaged online, especially items for mothers and babies.” ~ Crepin Kayisire
Which types of businesses can benefit from an online presence?
Any type of business could benefit from an online presence. The key is choosing what is right for you. From HeHe’s experience:
- There are some businesses – many falling under the “Made in Rwanda” category – that prefer to have a dedicated website for their products. These may choose to create their own website but could also become part of the HeHe marketplace with their own page.
- Some businesses, like farmers’ cooperatives, do not need their own website in the same way that a clothing business or artisan might. For these types of businesses, they can sell directly things like groceries or produce online through platforms like HeHe or others.
What do I need before I go online?
- First, you need to be registered legally as a business with RDB. This is an absolute necessity
- Next, you or someone on your staff needs to have basic computer literacy and an internet connection, so that you can monitor and manage your online presence.
- HeHe has found that businesses do better when they are not just “one person” operations.
- Make sure you treat your online presence just as you would your brick-and-mortar store. There should be a staff person dedicated to online sales, who can follow up with customers who have questions or issues.
- Make a list of your inventory and be sure that you actually have the products or services you will offer online. This will help to keep customers satisfied as well as to establish a good reputation for your business.
- There are a number of other online or mobile-based businesses in Rwanda, to be covered in upcoming interviews.
| HeHe offers two main platforms for e-commerce in Rwanda:
· Online marketplace: https://hehe.rw/ · Logistics: https://shypt.rw/ To find out more, you can visit the HeHe business site at www.dmmhehe.com, email at hello@hehe.rw, or call +250 788 317 916. |
Government of Rwanda Launches Economic Recovery Fund – Including Support to SMEs
Government of Rwanda Launches Economic Recovery Fund – Including Support to SMEs
For full information on the Economic Recovery Fund, please see the website of the Ministry of Finance and Economic Planning (MINECOFIN): Economic Recovery Fund Operational Guidelines.
| The newly launched Economic Recovery Fund includes key areas of support to SMEs:
For a full description of the Fund, please read the article below.
|
On June 2nd, 2020, the National Bank of Rwanda launched the Economic Recovery Fund, with the goal of providing support to those businesses hit hardest by the COVID-19 pandemic. BNR has recognized the need to help businesses resume their operations and safeguard employment, and SMEs are core to the response.
There are four categories of businesses that are targeted through the Fund, including SMEs. These are:
- Large Corporate Businesses: Those companies or cooperatives with annual turnover of greater than FRW 500 million;
- Small and Microenterprises (SMEs): Those companies or cooperatives with an annual turnover between FRW 20 Million and FRW 500 Million.
- Micro Businesses: Companies or cooperatives with an annual turnover of less than FRW 20 million;
- Participating Financial Institutions or PFIs: Banks and Limited Microfinance Institutions;
Those participating financial institutions who are eligible for financing through the Fund will have access for a period of two years, beginning with the signature of the BNR directive. The Fund has a specific focus on refinancing for those businesses who will be deemed eligible, especially in three areas: hotel, tourism and hospitality refinancing, working capital and lines of credit for corporations and SMEs, and micro businesses.
Hotels, Tourism and Hospitality:
Funds allotted for the tourism industry overall total 50 Billion RWF. Under the fund, a “hotel” refers to an establishment providing accommodation, meals, and other services for travelers and tourists. If the establishment does not provide accommodation will not be treated under the refinancing window category.
Refinancing for hotels negatively affected by COVID-19 and eligible for the facility will be available through banks, and interest rates for these loans will not exceed 5.0% per annum. To access these loans, hotels must have a current loan that was still outstanding prior to May 31st, 2020. Importantly, the loan must have been performing as of the end of February, 2020.
Those businesses receiving refinancing will have a three-year grace period, a period in which they are not required to make repayments – as well as a period of up to 15 years to repay in full , which will commence after the three-year grace period. For example, if you receive a loan in June 2020 from a financial institution, your repayment will start from July 2023.
Working capital and lines of credit:
Funds allotted for the tourism industry overall total 30 Billion RWF for large companies and 15 Billion RWF for SMEs.
Large corporate businesses and SMEs will have access to financing to cover needs for working capital. There will also be lines of credit available to cover expenses for repairs, restorations, equipment, and investment in technological solutions, such as moving to online distribution channels. Eligible businesses and SMEs will also access these facilities through banks one time only, and will have access to up to FRW 75 million (SMEs) and FRW 300 Million (large corporations), subject to the bank’s assessment and the borrower’s capacity to repay.
To be eligible, these businesses must demonstrate a 50% loss due on their operations to COVID-19 (January – May 2020 vs. January – May 2019) based on VAT returns submitted to RRA. You must also present your RRA tax clearances as of the end of February 2020, and demonstrate that any existing loans were performing at the end of February 2020. It will be of the utmost importance that those businesses seeking relief have their financial and tax paperwork in order to make their applications.
In terms of loans, priority will be given to borrowers fitting certain criteria outlined by BNR:
- Borrowers who demonstrate that the Fund can aid in a recovery of business turnover to at least 75% of pre-COVID-19 levels;
- Borrowers that demonstrate that the Fund will either help to preserve existing jobs or create new employment. To demonstrate this, businesses will need to show PAYE and Social Security Returns to prove number of employees pre-COVID, and demonstrate the number of jobs that will be preserved or created post-COVID through access to the Fund;
- Borrowers that demonstrate an increased fiscal contribution through accessing the Fund. This could be through jobs preserved or increased turnovers that result in an increase in tax payments. This can be demonstrated through VAT, PAYE, and income tax receipts.
If your business began operating after May of 2019, you may still be considered if you can demonstrate both your contribution to economic development and the negative impact on your business from COVID. Again – you must have the paperwork to show the negative trend on your turnover.
In terms of working capital or lines of credit:
Banks will have the ability to grant these facilities to SMEs at an interest rate of 8.0% over a period of five years, with a grace period of one year. Any borrower accessing these facilities can do so only once, from one institution.
Micro business financing:
Funds allotted for the tourism industry overall total 3 Billion RWF (1 Billlion RWF for microbusiness clients of MFIs and 2 Billion RWF for SACCO clients).
Eligible micro businesses will have access to financing to help recover from COVID-19. Lending for these funds will be provided through Limited Liability Microfinance Institutions (MFIs). Borrowers will be able to access up to FRW 5 million through these MFIs one time only, based on an assessment by the MFI and the borrower’s ability to repay.
Eligible microbusinesses must meet the following criteria:
- Borrowers must have a legally registered business as a company, cooperative or sole proprietor
- Borrowers must demonstrate the negative impact of COVID-19 by proving at least 50% losses (January – May 2020 vs. January – May 2019), using VAT returns submitted to RRA as a reference
- Borrowers should be able to show their RRA tax clearance certificates as of the end of February 2020 to demonstrate good tax standing prior to the pandemic
- Micro businesses seeking these loans must show that any existing loans were in good standing as of the end of February 2020
- Some micro businesses are not eligible for VAT registration. These may show their MFI other paperwork to demonstrate the negative impact of COVID-19. To find out what is needed, talk with your MFI for more information
Any micro business receiving a loan through the Fund will receive an interest rate of 8.0% per annum and a loan term of three years with a grace period of three months. Any borrower accessing these facilities can do so only once, from one institution.
How do I access the Economic Recovery Fund?
To access the fund, talk with your financial institution. Any SMEs or other businesses wishing to access the Fund will submit their loan application directly to their bank or MFI, who will review your paperwork, request any additional documents needed, and assess your eligibility for the Fund. You can find the list of Banks with contact numbers of dedicated staff in the SME clinic website.
You may also write directly to MINECOFIN with questions at erf@minecofin.gov.rw.
Remember: Being able to present your paperwork, your good standing with any previous or outstanding loans, and your losses due to COVID will be key in accessing the Economic Recovery Fund through your bank. All decisions will be made by banks on a case by case basis, so that these funds can be used in the most prudent and responsible way possible and businesses that need them will have access.
Reference:
Announcement 3000/2020 – 04931/0010BNR [902.4]. National Bank of Rwanda.
Economic Recovery Fund Operational Guidelines. MINECOFIN. May 2020.
Guverinoma y’u Rwanda yatangije Ikigega cyo Kuzahura Ubukungu hamwe no Gushyigikira Ibigo by’ubucuruzi Bito n’Ibiciriritse.
Ushaka amakuru yose yerekeye Ikigega cyo Kuzahura Ubukungu, wasura urubuga rwa interineti rwa Minisiteri y’Imari n’Igenamigambi (MINECOFIN): Amabwiriza agenga imikorere y’Ikigega cyo Kuzahura Ubukungu .
Ikigega cyo Kuzahura Ubukungu giherutse gutangizwa gishyigikira by’umwihariko ibyiciro by’ Ibigo by’ubucuruzi Bito n’Ibiciriritse bikurikira:
Ushaka amakuru yose kuri iyi nguzanyo, wasoma inyandiko ikurikira: |
Kuwa 02/06/ 2020, Banki Nkuru y’u Rwanda yatangije Ikigega cyo Kuzahura Ubukungu hagamijwe gufasha ibikorwa by’ubucuruzi byahuye n’ibibazo bitewe n’icyorezo cya COVID-19. BNR yabonye ko ari ngombwa gufasha abafite ibikorwa by’ubucuruzi kongera gusubukura ibikorwa byabo no kubungabunga imirimo, kandi ibyo bikorwa bishingiye ku Bigo by’ubucuruzi Bito n’Ibiciriritse.
Hari ubwoko bune bw’ibikorwa by’ubucuruzi icyo Kigega kizibandaho, harimo n’Ibigo by’ubucuruzi Bito n’Ibiciriritse. Ari byo:
- Ibigo by’ubucuruzi binini: Ibigo by’ubucuruzi cyangwa amakoperative afite igicuruzo rusange kirenga miliyoni 500 FRW ku mwaka;
- Ibigo by’ubucuruzi Bito n’Ibiciriritse: Ibigo by’ubucuruzi cyangwa amakoperative afite igicuruzo rusange kiri hagati ya miliyoni 20 na miliyoni 500 FRW ku mwaka.
- Ibikorwa by’ubucuruzi bito: Ibigo by’ubucuruzi cyangwa amakoperative afite igicuruzo rusange kiri munsi ya miliyoni 20 FRW ku mwaka;
- Ibigo by’imari bigira uruhare mu bikorwa by’ubucuruzi: Amabanki n’Ibigo by’imari biciriritse;
Ibyo Bigo by’imari bigira uruhare mu bikorwa by’ubucuruzi byemerewe guhabwa inguzanyo binyuze mu Kigega, byemerewe guhabwa iyo nguzanyo mu gihe cy’imyaka ibiri uhereye igihe amabwiriza ya BNR yashyiriwe umukono. Ikigega kigamije by’umwihariko guha inguzanyo ibikorwa by’ubucuruzi byujuje ibisabwa, by’umwihariko mu byiciro bitatu bikurikira: guha inguzanyo amahoteli, ubukerarugendo no kwakira abantu, imari shingiro n’umwenda ntarengwa ku bigo binini n’ Ibigo by’ubucuruzi Bito n’Ibiciriritse hamwe n’ibikorwa by’ubucuruzi biciriritse.
Amahoteli, Ubukerarugendo no Kwakira ababagana:
Amafaranga yose yagenewe urwego rw’ubukerarugendo agera kuri miliyari 50 FRW. Hashingiwe ku Kigega, bisobanurwa ko “hoteli” ari ikigo gicumbikira, kigaburira, kandi kinatanga izindi serivisi ku babagenderera na bamukerarugendo. Mu gihe ikigo kidafite amacumbi, ntikizashyirwa mu cyiciro cy’ibizahabwa amafaranga.
Amafaranga azahabwa amahoteli yagizweho ingaruka n’icyorezo cya COVID-19 kandi yujuje ibisabwa, azanyuzwa mu mabanki, kandi inyungu ku nguzanyo ntigomba kurenga 5% ku mwaka. Kugira ngo ayo mahoteli ahabwe izo nguzanyo, agomba kuba yari afite inguzanyo yari itarishyurwa mbere yo kuwa 31/05/2020. Ikindi kandi, inguzanyo igomba kuba yarishyurwaga neza kugera mu mpera za Gashyantare 2020.
Ibikorwa by’ubucuruzi bizahabwa inguzanyo, bizahabwa imyaka itatu bitishyura inguzanyo mbere y’uko bitangira kwishyura; muri ikigihe ntibasabwa kwishyura –kandi bahabwa igihe kingana n’imyaka 15 yo kwishyura inguzanyo yose, izatangirwa kwishyurwa nyuma y’imyaka itatu batishyura inguzanyo. Urugero, nuhabwa inguzanyo n’ikigo cy’imari muri Kamena 2020, uzatangira kuyishyura muri Nyakanga 2023.
Imari shingiro n’umwenda ntarengwa:
Mu mafaranga yose yagenewe urwego rw’ubukerarugendo, miliyari 30 FRW zagenewe ibigo binini, mu gihe miliyari 15 FRW zagenewe Ibigo by’ubucuruzi Bito n’Ibiciriritse.
Ibikorwa by’ubucuruzi by’ibigo binini n’ iby’Ibigo by’ubucuruzi Bito n’Ibiciriritse bizahabwa inguzanyo zo kuziba icyuho mu mari shingiro yabyo. Hazashyirwaho n’amafaranga y’inguzanyo ntarengwa azakoreshwa mu gusana, kuvugurura, ibikoresho, no gushora imari mu ikoreshwa ry’ikoranabuhanga, nko kuba hakifashishwa ikoranabuhanga mu kugemura ibicuruzwa no gutanga serivisi. Ibikorwa by’ubucuruzi n’Ibigo by’ubucuruzi Bito n’ibiciriritse byujuje ibisabwa bizahabwa izi nguzanyo inshuro imwe gusa binyuze mu mabanki, kandi bizaba byemerewe amafaranga ashobora kugera kuri miliyo 75 FRW (Ibigo by’ubucuruzi Bito n’Ibiciriritse) na miliyoni 300 FRW (Ibigo binini), hashingiwe ku isesengura rya banki no ku bushobozi bwo kwishyura bw’usaba inguzanyo.
- Kugira ngo ibi bikorwa by’ubucuruzi byemererwe guhabwa izo nguzanyo, hagomba kugaragazwa ko ibyo bikorwa byagize igihombo kigera kuri 50% giturutse ku cyorezo cya COVID-19 (Mutarama – Gicurasi 2020 ugereranyije na Mutarama – Gicurasi 2019) hashingiwe ku Musoro ku Nyongeragaciro (TVA) watanzwe mu Kigo cy’Igihugu cy’Imisoro n’Amahoro (RRA). Ugomba kandi kwerekana icyemezo cy’uko nta birarane by’imisoro wari ufitiye RRA mu mpera za Gashyantare 2020, ukerekana kandi ko wishyuraga neza inguzanyo iyo ari yo yose wari ufite kugeza mu mpera za Gashyantare 2020. Ibikorwa by’ubucuruzi bikeneye ingoboka, ba nyirabyo bagomba kuba bafite inyandiko zerekeye imari n’iz’imisoro ziri ku murongo mbere yo gutanga ubusabe bwabo.
Ku bijyanye n’inguzanyo, mbere na mbere zizahabwa abasa inguzanyo bujuje ibisabwa na BNR:
- Abasa inguzanyo bagaragaza ko izabafasha kuzahura igicuruzo rusange kugera nibura kuri 75% y’urwego bariho mbere y’icyorezo cya COVID-19;
- Abasa inguzanyo bagaragaza ko izabafasha kubungabunga imirimo cyangwa guhanga imishya. Mu kugaragaza ibi, ba nyiribikorwa by’ubucuruzi bagomba kugaragaza umusoro ku Bihembo n’imisanzu y’ubwiteganyirize batangira abakozi mu rwego rwo kugaragaza umubare w’abakozi bari bafite mbere y’icyorezo cya COVID-19, kugira ngo hagaragazwe umubare w’imirimo izabungwabungwa cyangwa imishya izahangwa nyuma ya COVID-19 babikesheje iyo nguzanyo;
- Abasa inguzanyo bagaragaza ko bazongera ingano y’imisoro batanga babikesheje iyo nguzanyo. Ibi bishobora guturuka ku mirimo izabungwabungwa cyangwa igicuruzo rusange kiziyongera bigatuma n’amafaranga yishyurwa imisoro yiyongera. Ibi bigaragarira ku Musoro ku Nyongeragaciro, Umusoro ku Bihembo, n’umusoro ku nyungu wakiriwe.
Niba ibikorwa by’ubucuruzi byawe byaratangiye nyuma ya Gicurasi 2019, ushobora nawe kwemererwa inguzanyo mu gihe werekanye uruhare rwawe mu guteza imbere ubukungu kandi ko COVID-19 yagize ingaruka ku bikorwa by’ubucuruzi byawe. Ugomba kandi kuba ufite inyandiko zigaragaza izo ngaruka ku gicuruzo rusange cyawe.
Ku bijyanye n’imari shingiro cyangwa umwenda ntarengwa:
Banki zizaba zifite ubushobozi bwo gutanga izi nguzanyo ku Bigo by’ubucuruzi Bito n’Ibiciriritse ku nyungu ya 8% mu gihe cy’imyaka itanu, harimo n’umwaka umwe wo kutishyura inguzanyo. Usaba inguzanyo wese uzahabwa iyi nguzanyo, azaba ayemerewe inshuro imwe gusa mu kigo kimwe.
Inguzanyo ku bikorwa by’ubucuruzi bito:
Mu mafaranga yose yagenewe urwego rw’ubukerarugendo, miliyari 3 FRW (miliyari 1 RWF yagenewe abafite ibikorwa by’ubucuruzi bito bagana Ibigo by’imari iciriritse na miliyari 2 FRW yagenewe abakiriya ba SACCO).
Abafite ibikorwa by’ubucuruzi bito bujuje ibisabwa bazahabwa inguzanyo zo kubafasha kuzahura ibikorwa byadindijwe na COVID-19. Izi nguzanyo zizatangwa binyujijwe mu Bigo by’Imari Iciriritse bifite uburyozwe buhinnye. Abasaba inguzanyo bazaba bemerewe guhabwa amafanga agera kuri miliyoni 5 FRW inshuro imwe gusa binyujijwe muri ibi Bigo by’Imari Iciriritse, hashingiwe ku isesengura ryakozwe n’Ikigo cy’Imari Iciriritse ndetse no ku bushobozi bwo kwishyura.
Ibigo bito bizahabwa inguzanyo bigomba kuba byujuje ibi bikurikira:
- Abasaba inguzanyo bagomba kuba bafite ibikorwa by’ubucuruzi byanditswe ku buryo bwemewe n’amategeko nk’ikigo cy’ubucuruzi, koperative cyangwa nk’uwikorera;
- Abasaba inguzanyo bagomba kugaragaza ingaruka za COVID-19 berekana ko bagize nibura igihombo cya 50% (Mutarama – Gicurasi 2020 ugereranyije na Mutarama – Gicurasi 2019), bifashishije Umusoro ku Nyongeragaciro batanze mu Kigo cy’Igihugu cy’Imisoro n’Amahoro (RRA) nk’urugero.
- Abasaba inguzanyo bagomba kugaragaza icyemezo cya RRA cyo kutabamo ibirarane by’umusoro kugeza mu mpera ya Gashyantare 2020 mu rwego rwo kugaragaza ko bishyuraga imisoro neza mbere y’icyorezo;
- Abafite ibikorwa by’ubucuruzi bito basaba izi nguzanyo bagomba kugaragazo ko bishyuraga neza inguzanyo iyo ari yo yose bari bafite kugeza mu mpera ya Gashyantare 2020;
- Hari ibikorwa by’ubucuruzi bito biba bitanditse mu Musoro ku Nyongeragaciro. Ba nyirabyo bashobora kwereka Ikigo cy’Imari Iciriritse bakorana izindi nyandiko mu rwego rwo kugaragaza ingaruka COVID-19 yabagizeho. Ushaka kumenya ibisabwa, wakwegera Ikigo cy’Imari Iciriritse mukorana bakaguha amakuru yose.
Ibikorwa by’ubucuruzi bito byose bizahabwa inguzanyo binyuze mu Kigega, bizayihabwa ku nyungu ya 8% ku mwaka, binahabwe n’igihe cy’amezi atatu yo kutishyura. Uhabwa iyi nguzanyo wese, ayihabwa inshuro imwe gusa kandi mu kigo kimwe gusa.
Ni gute nakorana n’Ikigega cyo Kuzahura Ubukungu?
Ushaka guhabwa iyi nguzanyo, wakwegera Ikigo cy’Imari mukorana. Ikigo cy’ubucuruzi giciriritse icyo ari cyo cyose cyangwa abandi bafite ibikorwa by’ubucuruzi bifuza gukorana n’Ikigega, bazatanga inyandiko isaba inguzanyo muri banki cyangwa Ibigo by’Imari Iciriritse bakorana nabyo, hanyuma bige dosiye yawe, bagusabe izindi nyandiko za ngombwa, banarebe niba wujuje ibisabwa kugira ngo uhabwe inguzanyo. Ushobora kubona urutonde rw’amabanki na nomero z’abakozi bazo wahamagaraho ku rubuga rwa interineti rwa SME Response Clinic.
Ushobora no kwandikira Minisiteri y’Imari n’Igenamigambi ukayigezaho ibibazo byawe ubinyujije kuri erf@minecofin.gov.rw.
Icyitonderwa: Kuba warujuje neza dosiye yawe, kuba warishyuye neza inguzanyo wigeze gufata cyangwa wishyura neza izo ufite, no kugaragaza igihombo watewe na COVID-19, bizagufasha gukorana n’Ikigega cyo Kuzahura Ubukungu binyujijwe muri banki mukorana. Ibyemezo byose bizafatwa n’amabanki ashingiye kuri dosiye ya buri muntu kugira ngo ayo mafaranga azakoreshwe neza kandi ahabwe ibikorwa by’ubucuruzi biyakwiriye koko.
Ibyifashishijwe mu gutegura iyi nyandiko:
Itangazo 3000/2020 – 04931/0010BNR [902.4]. Banki Nkuru y’u Rwanda.
Amabwiriza agenga imikorere y’Ikigega cyo Kuzahura Ubukungu . MINECOFIN. May 2020.
(UPDATE) Mobile money charges have now been reinstated
UPDATE ON MOBILE MONEY CHARGES: 22 June 2020
Keep yourself informed on financial services to best manage your cash flow! Mobile money charges have now been reinstated.
From 19 March 2020 for a period of three months, fees had been waived on:
- Transfers between bank accounts and mobile wallets
- Mobile money transfers
- Payments at points of sale (POS devices)
To ensure that mobile service providers can continue offering these services, fees will be charged on these services again as of 22 June 2020.
However, digital services are STILL your safest option. Whenever possible, use mobile money and digital services to keep yourself, your customers, and your family healthy and safe!
Reference:
BNR Public Notice: Reinstatement of Mobile Money Transaction Charges. 18th June 2020.
IBICIRO BIGEZWEHO KU BIJYANYE NA SERIVISI ZA MOBILE MONEY: Kuwa 22 Kamena 2020
Ni ngombwa kugira amakuru ku bijyanye na serivisi z’imari kugira ngo ubashe gucunga imikoreshereze y’amafaranga yinjira n’asohoka! Amafaranga asabwa kuri serivisi za Mobile Money yasubijweho.
Guhera kuwa 19 Werurwe 2020 kugeza mu gihe cy’amezi atatu, hari harakuweho amafaranga yo :
- Guhererekanaya amafaranga hagati ya konti z’amabanki n’amakofi ngendanwa.
- Guhererekanya amafaranga
- Amafaranga y’ubwishyu hakoreshwa utumashini twifashishwa mu kwishyura (POS devices)
Kugira ngo abatanga serivisi za Mobile Money bakomeze kuzitanga,amafaranga asabwa mu itangwa ryazo azasubiraho guhera kuwa 22 Kamena 2020.
Ariko, gukoresha ikoranabuhanga ni bwo buryo bwizewe ushobora gukoresha. Mu gihe cyose bishoboka, koresha Mobile Money na serivisi z’ikoranabuhanga kugira ngo wirinde, urinde abakiriya bawe, n’umuryango wawe kwandura!
Ibyifashishijwe mu gutegura iyi nyandiko:
Itangazo rya Banki Nkuru y’u Rwanda: Isubiraho ry’amafaranga asabwa kuri serivisi za Mobile Money. Kuwa 18 Kamena 2020.