Urashaka gutangiza ikigo cy’ubucuruzi? Hitamo imiterere y’ikigo yemewe n’amategeko ikwiye

Urashaka gutangiza ikigo cy’ubucuruzi? Hitamo imiterere y’ikigo yemewe n’amategeko ikwiye

 Ikintu cy’ingenzi gikwiye kwitabwaho iyo umuntu atangije ikigo cy’ubucuruzi ni imiterere y’ikigo cy’ubucuruzi yemewe n’amategeko aba  agenga ubwo bucuruzi. Mu Rwanda, ikigo cy’ubucuruzi gishobora kuba ari umutungo bwite w’umuntu ku giti cye, cyangwa kiba ari sosiyete. Imiterere y’ikigo yemewe n’amategeko  umuntu ahitamo igira ingaruka ku byerekeranye n’ubwoko n’umubare w’abanyamigabane ( ba nyirisosiyete) icyo kigo kiba gishobora kugira, uburyozwe bw’umuntu ku giti cye ku byerekeranye n’imyenda y’ikigo, no ku kiguzi cyo gutangiza no gufata neza ikigo cy’ubucuruzi cye.

Dore imwe muri iyo miterere n’ibyiza n’ibibi byayo.

  1. Umutungo w’umuntu ku giti cye:

Iyi miterere kenshi na kenshi iba myiza kurusha iyindi iyo rwiyemezamirimo umwe atangije ikigo cy’ubucuruzi. Ku byerekeranye n’ibyiza, biroroha gutangiza no kwandikisha ikigo cy’ubucuruzi cy’umuntu ku giti cye. Kandi, nk’umutungo w’umuntu ku giti cye, umuntu akomeza kugira ububasha busesuye bwo kugenzura ibikorwa by’ikigo cy’ubucuruzi. Ikindi kintu cyiza kiba gihari ni uko inshingano zihoraho zo kubahiriza ibisabwa ziba  nkeya kuberako umuntu aba adasabwa gukoresha inama rusange, gukora amaraporo, gukora raporo z’umwaka, cyangwa kugaragaza inyungu za buri mwaka. Ikintu kibi cy’ingenzi cyo kuba ikigo cy’ubucuruzi runaka ari umutungo w’umuntu ku giti cye ni uko nyiracyo aryozwa we wenyine ibyo ikigo cy’ubucuruzi cye kiba kigomba  abandi, harimo n’imyenda ishobora gushyira umutungo w’umuntu ku giti cye mu ngorane iyo icyo kigo cy’ubucuruzi gihuye n’ingorane zo mu rwego rw’imari.

  1. Ikigo cy’ubucuruzi cy’ubufatanye:

Ubu bwoko bw’imiterere y’ubucuruzi bwemewe mu rwego rw’amategeko mu Rwanda kuva muri 2021. Ni ubufatanye buba hagati y’abantu babiri cyangwa barenga bemera gukorera ubucuruzi bwabo hamwe. Buri wese ku giti cye ashora amafaranga, umutungo, imbaraga, n’ubuhanga bwe mu kigo cy’ubucuruzi noneho agateganya uruhare azagira ku nyungu no ku bihombo. Ibigo by’ubucuruzi by’ubufatanye bitangiza amafaranga macye, biroroha kubishinga, kandi ababigize bakagabana inyungu. Ba nyirabyo batanga imisoro ku nyungu bwite gusa. Iyo umwe mu banyamuryango ashatse kuva mu kigo cy’ubucuruzi cy’ubufatanye, ashobora kukivanamo inyungu ze.

Ku ruhande rw’ibibi, uburyozwe bw’umuntu ku giti cye bukomeza kuba ikibazo. Biragora kandi kwegeranya amafaranga kandi kubona abafatanyabikorwa bakwiye rimwe na rimwe biba ari ingorabahizi.

  1. Sosiyete

Sosiyete ni ikigo cyemewe n’amategeko gifasha rwiyemezamirimo gutandukanya umutungo we bwite n’uw’ikigo cy’ubucuruzi. Ibi bishaka kuvuga ko abantu bashobora imari muri sosiyete ( abanyamigabane baryozwa gusa imyenda y’ikigo cy’ubucuruzi kugeza ku gaciro k’amafaranga baba barayishoyemo. Kubera iyo mpamvu rero, ni uburyo bwiza cyane bwo kureshya ishoramari budashyira umutungo w’umuntu ku giti cye mu ngorane. Ariko, ni bwo bwoko bw’imyubakire y’ikigo cy’ubucuruzi bwemewe n’amategeko butwara amafaranga menshi mu kugihanga, buragenzurwa cyane, kandi bukenera kubika inyandiko cyane. Bwanyuma, isoreshwa rikorwa inshuro ebyiri. Habaho umusoro ku nyungu za sosiyete n’umusoro ku nyungu bwite.

Iyi nyandiko igaragaza mu magambo macye imiterere y’ikigo cy’ubucuruzi yemewe n’amategeko iba iri imbere yawe iyo ugiye gutangira ikigo cy’ubucuruzi. Ukeneye andi makuru, washaka umunyamategeko cyangwa inzobere mu bijyanye n’imisoro mu gihe waba ufite ibibazo runaka.

Sura urubuga rwa Rwanda Development Board kugirango umenye ibijyanye no kwiyandikisha mubucuruzi

Launching a Business? Choose the Right Legal Structure

A major factor to consider when starting a business is the legal structure. In Rwanda, your business can be a sole proprietorship, a partnership, or a corporation. The structure you select will impact the kind and number of shareholders (co-owners of the firm) you can have, your personal accountability for business debts, and the costs of beginning and maintaining your business.

Learn more about these structures and their advantages and disadvantages.

  1. Sole proprietorship:

This structure is usually best when a single entrepreneur launches a business. On the plus side, it is easier to set up and register a sole proprietorship, and as the sole proprietor, you retain complete control over the business’s operations. A major plus is that ongoing compliance responsibilities are limited since you are not required to have general meetings, submit yearly reports, or file annual returns.

The primary drawback of being a sole proprietor is that you are personally accountable for all business obligations, including debts, which can put your personal assets at risk should you find your business in financial trouble.

  1. Partnerships:

This form of legal structure has only been allowed in Rwanda since early 2021. It is an alliance of 2 or more people who agree to conduct a business together. Each individual invests money, property, effort, and expertise in the firm and anticipates a share of the gains and losses.

Partnerships have low startup costs, are simple to create, and members share the profits. Owners are taxed only on their own personal income. If a partner wants to leave the partnership, they may withdraw from their corporate interests.

On the downside, personal liability may still be an issue. Raising more funds and finding acceptable partners are also sometimes challenging.


  1. Corporation

A corporation is a legally recognized entity that enables the entrepreneur to separate personal assets from your business. This means that people who invest in the firm (shareholders) are only liable for the business’s debts up to the value of their investment. As a result, it is a highly effective method of attracting investment without risking your personal wealth. However, it is the most expensive legal business structure to form, is highly regulated, and requires considerable record keeping. Finally, there is double taxation, first on company profits and then on your personal earnings.

This is a quick review of the legal structures available to you when starting a business. For more advice, seek a legal or tax specialist if you have any specific concerns.

Survive to Thrive

Apply for the Survive to Thrive Programme

Are you a member of KCB Bank Rwanda Biashara Club or a client of Bank Populaire Rwanda? Apply for the Survive to Thrive Programme 

KCB Bank Rwanda, in partnership with ConsumerCentriX and the African Management Institute, invite their SME clients to participate in an exciting 4-month entrepreneurial journey with online courses, virtual learning labs, and practical tools.

The Survive to Thrive Programme will allow an entrepreneur and one (1) senior staff from their business the opportunity to learn how to set SMART growth goals and implement new business habits and tools to support business growth. Upon completing the programme, participants will have access to AMI’s Growth Network, an exclusive community of ambitious African entrepreneurs who have successfully graduated from AMI programmes. Participants will gain access to premium services such as AMI’s Finance Link for funding opportunities, mentoring and coaching networks, exclusive networking events, and continued access to AMI’s world-class business tools, courses, and resources.

New deadline: June 7th, 2022

Apply here: 

Tourism Challenge

Are you a startup in the tourism sector with a solution to the UN SDGs? Apply for the Awake Tourism Challenge before 30 June 2022

Tourism Challenge

Are you a startup in the tourism sector with a solution to the UN SDGs? Apply for the Awake Tourism Challenge before 30 June 2022

The World Tourism Organization (UNWTO), a United Nations agency responsible for promoting responsible, sustainable and universally accessible tourism, invites applicants for the Awake Tourism Challenge. Through the Challenge, UNWTO seeks to support the most innovative startups working to advance the United Nations Sustainable Development Goals. The Challenge seeks solutions to six challenges: local and community involvement, green and blue economies, ecological and sustainable capita creation, tourism tech for good, tourism education, and women empowerment.

Successful applicants will benefit from the following:

  • Pitch at a UNWTO Demo Day
  • Curated mentorship programme including one-on-one and in-group sessions focused on Intellectual Property (IP), sustainability, business, and leadership
  • Connection to the UNWTO Innovation Network for meeting public and private stakeholders to explore funding and piloting opportunities
  • Potential matchmaking with partners to scale up the startups, including investors, corporations, and governments

The Challenge targets startups that meet the following criteria:

  • Innovative in nature, providing value-added solutions
  • Sustainability-driven
  • Scalable potential for international growth or to be applied by corporations and in other countries or regions
  • Early-stage or series A startup
  • Introduction or adoption of digital and technological elements
  • Have a tested pilot and business plan
  • Have been accelerated before
  • Have a full-time team including at least 2 members under 35 years; gender balance will also be considered.

Applicants will be subject to further evaluation to assess their contribution to SDGs, potential business impact, maturity of the product or technology, team and organisation maturity, and partnership readiness.

To apply for this Challenge, visit: Applications

For more information on the Challenge, visit: UNWTO Awake Tourism Challenge

Future to Work program

Are you an impact-driven company with a focus on solving unemployment? Apply for the Future to Work program before 29 April 2022

Are you an impact-driven company with a focus on solving unemployment? Apply for the Future to Work program before 29 April 2022

Village Capital, an impact investment company in partnership with Moody’s Foundation, invites startups across Sub-Saharan Africa to apply for the Future to Work 2022 program. Future to Work supports impact-focused startups leveraging highly sensitive data to improve quality and access to digital, financial, and healthcare services. Venture Capital aims to help entrepreneurs with investment readiness training through the program.

Successful applicants will benefit from the following during the program:

  • Networking with fellow impact-driven founders in their cohort
  • Mentorship from investors
  • Interactive, tailored training sessions to support startup companies identify early milestones and preparing them for the next round of capital
  • Coaching from an investment analyst on building a financial model, identifying unit economics, and using financial metrics
  • Feature on Village Capital’s program website and other collateral

Interested applicants must have ventures addressing unemployment through the following:

  • Technical, professional, upskilling, or reskilling programs
  • Testing and credentialing programs
  • New approaches to apprenticeship or employment matching, such as gig, job matching, and distributed manufacturing platforms
  • Financial health for informal workers and/or
  • Edtech for post-secondary and tertiary institutions

To apply for this program, visit: Future to Work Applications


Are you a tech startup interested in scaling up your business? Apply for the Microsoft for Startups challenge before 23 May 2022

Are you a tech startup interested in scaling up your business? Apply for the Microsoft for Startups challenge before 23 May 2022

Microsoft for Startups, a global program supported by a team of startup veterans and industry experts, invites applicants for the Microsoft for Startups Challenge. Microsoft for Startups aims to provide a customized set of offerings and resources to support tech startups grow from ideation to scale.

Through the challenge, participants will gain:

  • Opportunity to unlock up to $150,000 in free Azure credits (a perk offered by Microsoft to save money on your cloud bill)
  • Access to robust development and productivity tools, including GitHub and Microsoft 365
  • Mentorship guidance from business and technical experts
  • Startup-friendly offers from Microsoft partners
  • Access to VivaTech onsite event (annual networking event for tech entrepreneurs)

Interested applicants must meet the following criteria:

  • Have a startup engaged in developing a software-based product or service that will form a core piece of your current or intended business – this software must be owned, not licensed
  • Have a startup that has not already received more than a total of $10,000 in free Azure
  • Have headquarters residing in the countries covered by our Azure global infrastructure (including…[insert ones relevant to us in Africa])
  • Have a startup that has not gone through a Series D or later funding round
  • Have a for-profit business that is not an educational institution, government entity, personal blog, dev shop, consultancy, agency, bitcoin or crypto mining company

To apply for the Microsoft for Startups Challenge, create an account at Challenge Signup

Katapult Africa

Are you a business in the Agritech or Foodtech industry interested in scaling your business? Apply for the Katapult Africa Accelerator Program

Are you a business in the Agritech or Foodtech industry interested in scaling your business? Apply for the Katapult Africa Accelerator Program 

Katapult, an investment company focused on highly scalable impact tech startups, has opened applications for the Katapult Africa Accelerator Program for startups in Agritech and Foodtech. Selected participants will benefit from training from experts, local and international mentorship, and access to a global network. Additionally, a select group of participants in the Accelerator program will receive seed capital.  

All startup businesses in the Agritech and Foodtech industry are encouraged to apply. 

To apply for Katapult Africa Accelerator Program, visit: Application Form  

empower women

Are you a social entrepreneur with an innovative solution focused on empowering women and girls? Apply for the Innovations to Empower Women and Girls Challenge before 30 March 2022!

Are you a social entrepreneur with an innovative solution focused on empowering women and girls? Apply for the Innovations to Empower Women and Girls Challenge before 30 March 2022! 

The United Nations Population Fund (UNFPA), in partnership with World Intellectual Property Organizational (WIPO), and the International Telecommunications Union (ITU) are launching the Innovations to Empower Women and Girls Challenge (the Challenge). The Challenge was launched to develop further and position innovative solutions to scale to help combat inequalities and advance the empowerment of women and girls in all their diversity. 

Through the Challenge, UNFPA aims to support social enterprises registered in UNFPA programme countries to pivot from grant-making models to self-sustaining financial models. Participants in the Challenge will receive mentorship, technical assistance in key focus areas including intellectual property management and business modelling, and grants of up to USD 60,000.  

Interested applicants must fulfil the following to apply: 

  • Company, including any joint venture/consortium members and any of its individual members, must not be under procurement prohibitions derived from the Compendium of United Nations Security Council Sanctions Lists at the time of application 
  • Company, including any joint venture/consortium members and any of its individual members, has not been suspended, debarred, sanctioned, or otherwise identified as ineligible by any UN Organization or the World Bank Group 
  • Innovation must be implemented in the UNFPA programme country in which the company is registered  
  • The proposed innovation should promote the empowerment of women and girls and contribute to one of the following challenges: 
  • Ending unmet need for family planning 
  • Ending preventable maternal deaths 
  • Ending gender-based violence and harmful practices 

(See descriptions here) 

  • Company must have already tested a prototype, undergone proof of concept, and have a minimum viable product (MVP) that has been piloted and is ready to be positioned to scale; the MVP must belong to the submitting organization 
  • Innovative solution must have a viable pathway to scale and sustainability via the market or public sector (definition as per UN Innovation Toolkit: driving adoption beyond the initial pilot’s target population) 
  • No similar solution to the one being proposed, or the proposed solution delivers more development impact per dollar or is more cost-effective than other ways of achieving the same objectives; there must be evidence to support this claim 


Interested applicants must register on the UNFPA platform to submit an expression of interest to be shortlisted for proposals.  


To register on the UNFPA Innovation Challenge platform, visit: Registration 

To submit an expression of interest for this Challenge, visit: Applications  

For more information on the Challenge, visit: Innovations to Empower Women and Girls Challenge 


Women Entrepreneurs

Celebrating Women Entrepreneurs this March with the SME Response Clinic – Insights from Women Entrepreneurs and Leaders

Celebrating Women Entrepreneurs this March with the SME Response Clinic – Insights from Women Entrepreneurs and Leaders  

As we continue to celebrate March, the women’s history month, the SME Response Clinic is pleased to share with you a recap of some of the highlights from our engagements with women entrepreneurs and leaders in Rwanda over the past two years. Women entrepreneurs play a vital role in developing Rwanda’s entrepreneurship ecosystem and make a tremendous contribution to the nation’s economy. Join us in celebrating women entrepreneurs this month and throughout the year! 

Here are some of the highlights:  

Webinar on “Practical Solutions for Improving the Wellbeing of Women Entrepreneurs” 

On 8 December 2021, the SME Response Clinic, in partnership with Geruka Healing Center, held a webinar featuring women entrepreneurs at the Kigali Public Library as part of the Building Back Healthier series. The webinar’s objective was to inform, inspire and share knowledge and skills that businesswomen can use to better their wellbeing as they deal with their day-to-day business activities while managing other responsibilities. The webinar featured a mental health expert, Adelite Mukamana and two businesswomen, Scovia Umutoni and Amina Umuhoza. 

Learn More 

Interview with Her Excellency Dr Monique Nsanzabaganwa, former Deputy Governor of National Bank of Rwanda and current Deputy Chairperson of the African Union Commission 

In July 2020, the SME Response Clinic interviewed Her Excellency Dr. Monique Nsanzabaganwa to understand the barriers women face in accessing information to help them better manage their businesses. During the interview, H.E. Dr. Monique emphasized the importance of not just making information available online but also mobilizing women to access that knowledge with a personal touch.  

Watch the video to learn more 

Learn about AMI’s Business Survival Bootcamp from Justine Ntaganda, owner of La Cornicle Hotel Rubavu and Nyabihu 

Justine Ntanganda, a businesswoman who co-owns La Cornicle Hotel operating in Rubavu and Nyabihu districts, attended a Business Survival Bootcamp training organized by the SME Response Clinic in partnership with the African Management Institute. Ms. Ntanganda shared with the SME Response Clinic more about what she learned.  

Watch the video to learn more 

To learn more about AMI training offers in Rwanda, visit: Africa Management Institute 

WE Empower

Are you a social women entrepreneur advancing the UN SDGs? Apply for the WE Empower UN SDG Challenge before 15 April 2022

Are you a social women entrepreneur advancing the UN SDGs? Apply for the WE Empower UN SDG Challenge before 15 April 2022

The WE Empower UN SDG Challenge is a global competition for social entrepreneurs advancing or inspiring others to advance the UN Sustainable Development Goals (SDGs). It will honour innovative women leaders globally who incorporate the SDGs in sustainable business practices and inspire others to follow suit.

Awardees will receive capacity building sessions and opportunities to network with an unparalleled global network to advance their businesses. Additionally, awardees will participate in events surrounding the 77th UN General Assembly and in a dynamic pitch competition for an opportunity to receive a grant worth USD 20,000.

Interested entrepreneurs should fulfil the following criteria to apply:

  • Woman entrepreneur with a lead decision-making role in for-profit or non-profit organization/business
  • Have a business/organization that has been in operation for three years
  • Have at least three full-time employees
  • Proficiency in writing and speaking English
  • Have a business/organization that generates at least USD 100,000 in annual revenue or sales
  • Be available to travel to New York and participate in events from 17-24 September 2022 or participate in a virtual program if needed from August through October 2022. (Both dependent on COVID-19 restrictions available at the time).

To apply for the Challenge, visit: WE Empower UN SDG Challenge Application

Kwishimira ibikorwa bya  ba rwiyemezamirimo b’abagore mu Rwanda

Kwishimira ibikorwa bya  ba rwiyemezamirimo b’abagore mu Rwanda

Ba rwiyemezamirimo b’abagore bagize igice kinini cya ba rwiyemezamirimo kizamuka vuba ku isi hose, kandi no mu Rwanda ni ko bimeze. Nk’uko bikubiye muri Raporo ya  FinScope Gender  2020, abagore bayobora 52%  by’ibigo by’ubucuruzi bito cyane, ibito n’ibiciriritse (MSME) mu Rwanda (cyangwa ibigo by’ubucuruzi byenda kugera kuri 420.0000). Binyuze muri ibi bikorwa by’ubucuruzi, ba rwiyemezamirimo b’abagore bagira uruhare runini mu izamuka ry’umusaruro mbumbe w’igihugu bagahanga n’imirimo ifite akamaro gakomeye mu mibereho y’abaturanyi babo no mu gihugu muri rusange.

Muri SME Response Clinic, duha agaciro gakomeye uruhare ba rwiyemezamirimo b’abagore bagira mu iterambere ry’ubukungu n’iry’imibereho myiza mu Rwanda. Kuva twatangira muri Gicurasi 2020, twagiye dutegura ubutumwa, twakira ibiganiro twifashishije ikoranabuhanga, kandi dukora ibikorwa by’iyamamaza bigambiriwe bigamije kugera neza kuri ba rwiyemezamirimo b’abagore no kubafasha guteza imbere ubucuruzi bwabo n’ubwo byari mu bihe bikomeye.

Muri uku kwezi, tuzibanda ku bikorwa byo kwishimira uruhare ba rwiyemezamirimo b’abagore bagira mu guteza imbere urwego rwa ba rwiyemezamirimo mu Rwanda. Tuzibanda cyane kuri bamwe muri ba rwiyemezamirimo b’abagore badasanzwe twahuye nabo ku buryo mwabigiraho cyangwa mukaba mwabona ubundi bwoko bw’ubucuruzi mwagerageza!

Ngwino hamwe natwe muri uku kwezi ubwo tuzaba turi mu byishimo – Dusange kuri aderesi maze utubwire ikigo cy’ubucuruzi kiyobowe n’umugore uzi kandi ukunda!

Celebrating Women’s Entrepreneurship in Rwanda

Women entrepreneurs represent the fastest-growing segment of entrepreneurs globally, and Rwanda is no exception. According to the 2020 FinScope Gender Report, women lead about 52% of micro, small, and medium enterprises (MSMEs) in Rwanda (or about 420,0000 businesses). Through these businesses, women entrepreneurs are significant contributors to GDP growth and create jobs critical to people’s livelihoods in their communities and the country at large.

At the SME Response Clinic, we value women entrepreneurs’ role in Rwanda’s economic and social development. Since our launch in May 2020, we have developed content, hosted webinars, and conducted targeted marketing activities to better reach women entrepreneurs and support them in business growth despite tough times.

This month, we will focus our efforts on celebrating the role played by women entrepreneurs in developing the entrepreneurship ecosystem in Rwanda. We will highlight some of the exceptional women entrepreneurs we have encountered so you can learn from their experiences or maybe find a new business to try out!

Join us this month as we celebrate – and reach out to us to share the name of a women-led business you know and love at!