SME Response Clinic ibifurije Iminsi Mikuru y’Ibyishimo n’Umwaka Mushya w’Uburumbuke.  

SME Response Clinic ibifurije Iminsi Mikuru y’Ibyishimo n’Umwaka Mushya w’Uburumbuke. 

Umwaka wa  2022 waranzwe n’amahirwe yo gutera inkunga cyane no kubaka ubushobozi; amenshi muri ayo mahirwe mukaba mwarayagejejweho na SME Response Clinic. Nk’uko twitegura kugira iminsi mikuru, turifuza gutekereza kuri bimwe mu bikorwa byacu byadufashije gukorana namwe bikanabegereza amahirwe yo kubona inkunga no guteza imbere ubucuruzi.

Dore bimwe mu bintu by’ingenzi byaranze umwaka wa 2022.

Gahunda ya Ramba kugirango ukunguhare  

KCB Bank Rwanda, ubu yahindutse Banque Populaire du Rwanda PLC (BPR) ku bufatanye na  ConsumerCentriX na African Management Institute (AMI), yayoboye Gahunda ya Ramba kugirango ukunguhare. Gahunda yamaze amezi 4 yatanzwe n’AMI yari igizwe n’amasomo yatangwaga hakoreshejwe ikoranabuhanga akuzuzwa n’ibiganiro by’amahugurwa byakorwaga imbonankubone,  ba rwiyemezamirimo bigiragamo imbumbabitekerezo z’ubucuruzi zirimo imihindagurikire y’abakiriya  n’iy’amasoko no kurwanya imbogamizi nko kugira amafaranga macye yinjira no kubona inyungu nke.

Kwizihiza Ukwezi kwa Werurwe, Ukwezi kw’Abagore

Muri Werurwe 2022, SME Response Clinic yashyizeho ba rwiyemezamirimo b’abagore batatu bato mu rwego rwo kwishimira uruhare rw’ingenzi abagore bagira muri sosiyete yacu n’uruhare  rukomeye bagira  mu bukungu bw’u Rwanda. Abo ba rwiyemezamirimo  b’abagore uko ari batatu babajijwe icyo Ukwezi kwa Werurwe, ukwezi kw’abagore gusobanuye kuri bo n’icyabateye guhitamo gukora akazi ka  ba rwiyemezamirimo.

Ikigega cyo Kuzahura Ubukungu  (HATANA 2)

Banki y’u Rwanda Itsura Amajyambere (BRD) n’Ikigega Gishinzwe Guteza Imbere Imishinga (BDF) batangije icyiciro cya kabiri cy’Ikigega cyo Kuzahura Ubukungu , Hatana, hagamijwe gushyigikira izahuka ry’ubukungu bw’ibigo by’ubucuruzi byazahajwe n’Icyorezo cya COVID-19. Ibinyujije muri BRD, Hatana izaha ibigo by’ubucuruzi inkunga bikeneye cyane mu rwego rwo kubifasha guhanga udushya, gutanga amahirwe yo guhanga imirimo, no kwimakaza Made in Rwanda mu rwego rw’ubwubatsi, gutunganya ibikomoka ku buhinzi, imyenda, n’inganda ntoya. Icyo kigega kandi kizaha inguzanyo yo gukoresha ibigo by’ubucuruzi bifite igicuruzo cyagabanutseho byibura 20% mu gihe cy’amezi 12 ashize ugereranyije na mbere ya COVID-19.

Usibye ibikorwa by’ingenzi byakozwe, twatanze kandi inama zijyanye n’ubucuruzi, dutanga n’amakuru ku byerekeranye n’amahirwe yo kubona imari no kubaka ubushobozi aboneka ku isoko. Twizeye ko muzinjira mu mwaka mushya mufite ibyiringiro byinshi kandi twiteguye ko muzagumya  gukorana natwe kubera ko dukora tugamije kubafasha  guteza imbere ubucuruzi bwanyu.

Muri urwo rwego, tubifurije Iminsi Mikuru Myiza n’Umwaka Mushya w’Uburumbuke!

by adminccxib

Iminsi mikuru ishobora kuba igihe cyiza cyo kuzamura ingano y’ibyo umuntu agurisha- dore uburyo byakorwa!

Iminsi mikuru ishobora kuba igihe cyiza cyo kuzamura ingano y’ibyo umuntu agurisha- dore uburyo byakorwa!

Iminsi mikuru izaba mu byumweru bicye biri imbere kandi abantu hafi ya bose bari kuzigama amafaranga kugirango bazabashe kuyizihiza mu buryo bwiza bushoboka. Kuri ba rwiyemezamirimo, iki ni igihe cy’agahebuzo cyo guteza imbere ingano y’ibyo mucuruza, kongera inyungu mukura mu bucuruzi bwanyu no kunoza imikoranire irambye n’abakiriya banyu. Muri iyi nyandiko, tuzabafasha kwifashisha  iyi minsi mikuru kugirango mubashe guteza imbere ubucuruzi bwanyu.

  • Kwitegura hakiri kare:  Abantu bagura ibicuruzwa na serivisi nyinshi mu minsi mikuru. Kubera iyo mpamvu rero, ni ngombwa kugira ibicuruzwa bihagije mu bubiko  bizahura n’ibyo abantu bazaba bakeneye. Reba ibicuruzwa cyangwa serivisi ikigo cy’ubucuruzi cyawe kizagurisha kurusha ibindi noneho ubishyire mu bubiko cyangwa uvugane n’abo uranguraho  ibicuruzwa hakiri kare kugirango babikugezeho mbere y’igihe. Ibi bigufasha kwitegura mbere y’igihe kandi bikaguha igihe gihagije cyo gukemura ibibazo byose bishobora kuvuka nko gutanga ibicuruzwa ukererewe. Kugira ibicuruzwa bihagije bituma abakiriya bawe bumva ufite ubushobozi bwo kubona ibyo bakeneye kandi bigatuma ubasha kubaka umubano ukomeye nabo.
  • Gabanya ibiciro utange n’impano mu buryo budasanzwe: Kugabanya ibiciro no gutanga impano mu buryo budasanzwe bishobora kuba uburyo bwiza bwo gukurura abakiriya bashya no guhemba abakiriya usanganywe. Mbere yo kugabanya ibiciro by’ibicuruzwa na serivisi zawe, ugomba kumenya niba ufite intego yumvikana ituma ubikora. Bishobora kuba bigamije kongera ingano y’ibyo ucuruza, gushaka abakiriya bashya, cyangwa kumenyakanisha izina ry’ubucuruzi bwawe cyangwa kunoza imikoranire n’abakiriya. Urugero rumwe rwo kugabanya ibiciro mu buryo budasanzwe rushobora kuba ari ukurekera umukiriya wawe umubare w’amafaranga runaka cyangwa ijanisha runaka ry’amafaranga igihe aguze ibintu bifite agaciro k’amafaranga runaka; urugero, umuntu uguze ibicuruzwa by’amafaranga ibihumbi ijana (100.000 frws) ukamusubiza amafaranga ijana (100frws(. Ibi bishobora gutuma abakiriya bawe bagura byinshi kurushaho cyangwa bigatuma ubasha kubona abakiriya bashya banyuze mu miryango yawe.
  • Huza imipfunyikire y’ibicuruzwa n’uko abakiriya babyifuza kandi utange serivisi zifite umwihariko:  Ibintu byinshi biranga ubucuruzi byarahindutse bitewe no guhiganwa ku isoko. Kubera iyo mpamvu rero, ni ngombwa gutekereza ku byerekeranye n’uburyo bunyuranye ubucuruzi bwawe bwabasha kuzamuka. Pfunyika ibicuruzwa byawe ku buryo abakiriya babasha kumva ko igicuruzwa cyangwa uburyo gipfunyitsemo ari bo byagenewe. Igihe usabwe gutanga ibicuruzwa runaka, shyiramo izina ry’umukiriya n’aho abarizwa ndetse n’ubutumwa bumugenewe we by’umwihariko bwo kumushimira. Ibyo bituma abasha kwibona mu kigo cy’ubucuruzi no kumva ko kimwitayeho kandi abakiriya bazumva bashaka kugumana nawe nk’ikigo cy’ubucuruzi bakunda kurusha ibindi.  
  • Koresha insanganyamatsiko z’iminsi mikuru ukora iyamamazabikorwa rikorwa hifashishijwe imbuga nkoranyambaga : Mu gihe utekereza ku butumwa bw’iyamamazabikorwa, ku butumwa butangwa binyuze ku mbuga nkoranyambaga, kuri imeyili cyangwa SMS woherereza abakiriya bawe, tekereza ku bijyanye n’uburyo washyiramo n’intashyo z’iminsi mikuru bumva ibafitiye akamaro kurusha iyindi. Tegura ubutumwa bw’iyamamabikorwa bufite ibishushanyo cyangwa amashusho y’amatariki y’ingenzi yo muri iyo minsi mikuru nka Noheri n’Ubunani. Ibi bituma ubutumwa utanga bubasha guhura neza n’ibyifuzo by’abakiriya bawe kuberako buba bugaragaza ikintu baba bari kwishimira.
  • Koresha imbuga nkoranyambaga ushaka abakiriya: Buri mukiriya yifuza ko umushimira ko yaguhaye icyashara akoresheje amafaranga yabonye bimugoye cyane.  Guhemba abakiriya baguha icyashara ukoresheje imbuga nkoranyambaga bishobora gukangura abakiriya batari basanzwe bitabira kuguha icyashara cyane no kureshya abakiriya bashya. Kusanya ibitekerezo ku nsanganyamatsiko zishimishije zijyanye n’iminsi mikuru cyangwa ku byerekeranye n’ibicuruzwa byawe bikwiye kugabanyirizwa ibiciro. Baza ibibazo ukoresheje ikoranabuhanga ku byerekeranye n’ubucuruzi bwawe noneho uhembe abagukurikira batanze ibisubizo by’ukuri. Bitekerezeho nk’uburyo bwo guha inyiturano abakiriya bawe kubera ko bagize uruhare mu gushyigikira ubucuruzi bwawe.

Utekereje neza  kandi ukabitegura witonze, iminsi mikuru ni igihe gikomeye cyo guteza imbere ubucuruzi bwawe. Watekereza neza mbere y’igihe ku byerekeranye n’ibicuruzwa abaguzi bazakenera kurusha ibindi, wagabanya ibiciro mu buryo budasanzwe, cyangwa wakoresha  insanganyamatsiko z’iminsi mikuru, hari uburyo bunyuranye bwo kureshya abakiriya muri iki gihe. Tugezeho ibitekerezo usanga byafasha ibigo by’ubucuruzi bito kuzamura ingano y’ibyo bicuruza no kuzamura ubucuruzi bwabyo.

by adminccxib

Amakosa Asanzwe Amenyerewe Ushobora kuba Ukora nk’Umucuruzi n’Uburyo Wayirinda  

Amakosa Asanzwe Amenyerewe Ushobora kuba Ukora nk’Umucuruzi n’Uburyo Wayirinda  

Abacuruzi bato bagira ibitekerezo bikomeye n’ibisubizo- ibyo ari byo byose, ibi bishobora kuba ari byo byatumye utangira gukora ubucuruzi; ariko rimwe na rimwe, ibi bitekerezo ntibikunze gushyirwa mu bikorwa uko bikwiye kugirango bibashe gutanga umusaruro. Nubwo hashobora kubaho impamvu nyinshi zatuma ikigo cy’ubucuruzi gito gikora nabi, dore amwe mu makosa ashobora kwirindwa abacuruzi bakora ndetse n’uburyo bwo kuyirinda.

 

  • Kudafata umwanya wo gukora igenamigambi : Kudakora igenamigambi bituma akazi gakorwa nabi.Iyo bigenze gutyo, umuntu aba agerageza gukora buri kintu cyose ku munota wa nyuma kandi ari nta ntego zigaragara yashyizeho cyangwa inzira yo kunyuzamo izo ntego. Fata umwanya noneho utegure gahunda y’ibikorwa irambuye hanyuma urebe niba ishyira ku mugaragaro ibicuruzwa cyangwa serivisi zawe, urebe  uburyo uzabasha kwinjiza amafaranga, uburyo uzashora amafaranga mu bucuruzi bwawe, ndetse n’izindi ngingo nyinshi z’ingenzi zatuma ubasha gukora neza. Kugira gahunda y’ibikorwa biha icyerekezo ubucuruzi bwawe, bikagufasha kubona ingorane ushobora guhura nazo no guteganya ubushobozi uzakenera kugirango ubashe gukora ubucuruzi bwawe. Iga byinshi ku byerekeranye n’uburyo bwo gutegura gahunda y’ibikorwa ukanda  hano.
  • Kugerageza kwikorera Ibintu Byose wenyine: Ni byiza kwinjiza abandi bantu mu mitekerereze yawe uko ugenda ushyira igitekerezo cyawe mu bikorwa no guhitamo ibisubizo bijyana n’ingorane zishobora kuvuka. Umutwe umwe uzana ibitekerezo bimeze kimwe kandi ushobora kubuza rwiyemezamirimo kunguka ubumenyi bwafasha ubucuruzi bwe kurushaho. Ubakira ku itsinda ry’abantu banyuranye bitewe n’ibyo ikigo cy’ubucuruzi cyawe gikeneye mu bijyanye n’umutungo w’abantu noneho ushinge abandi bantu imirimo hakurikijwe ibyo bashoboye gukora.
  • Gukoresha amafaranga menshi cyane cyangwa macye cyane: Gukoresha amafaranga menshi cyane kenshi na kenshi bituma imyenda yiyongera cyane kandi no gukoresha amafaranga macye cyane bigatuma rwiyemezamirimo atabasha kubona ibintu by’ingenzi biba bigomba gukorwa kugirango ubucuruzi bubashe kugenda neza. Ibi bintu uko ari bibiri bituma igitekerezo kitabasha kuramba; ibyo bigatuma ubucuruzi bwahagarara cyangwa ntibubashe kuzamuka. Tegura ingengo y’imari maze ugene amafaranga ubucuruzi bwawe buzakoresha n’ayo buzinjiza mu gihe runaka. Urugero, mu mwaka utaha cyangwa mu gihembwe gitaha. Subiramo iyo ngengo y’imari uyigereranye n’amafaranga wakoresheje mu by’ukuri kugirango umenye aho ushobora kuba warakoresheje amafaranga menshi cyane cyangwa macye cyane mu bucuruzi bwawe; ibyo bizaguha igisubizo cy’ikibazo ufite.
  • Kwibagirwa Aho amafaranga azakomoka: Uko igitekerezo cyaba cyiza kose, tugomba gutekereza ku byerekeranye n’aho amafaranga azakomoka kugirango icyo gitekerezo kibashe kuzamuka no gukomeza gukora n’ibyo dusabwa nka ba nyir’ubucuruzi kugirango tubashe kuyabona. Gahunda y’ibikorwa igomba kugaragaza imari shingiro yo gutangiza umushinga cyangwa amafaranga azakenerwa mu gutangiza ubucuruzi bwawe. Mbere yo kwegera abaterankunga, banza urebe niba gahunda y’ibikorwa byawe yumvikana kandi iteguye neza noneho urebe niba wumva neza impamvu ubucuruzi bwawe ari ishoramari rikomeye rigomba gukorwa. Shakisha amafaranga ahantu hasanzwe hemewe uko bishoboka kose nko bigo by’imari bizwi, amafaranga y’imfashanyo atangwa na Leta, cyangwa amafaranga atangwa n’abaterankunga kugirango ubashe kwirinda gutanga amafaranga y’umurengera cyangwa mu buryo butumvikana, uburyo bwo kwishyuza budakwiye, n’ingorane zijyanye n’umutekano zishobora kuvuka.
  • Kutamamaza ibikorwa: Abantu bamenya ibyo dukora iyo tubyamamaje. Iyo utamamaje neza ibyo ukora, utakaza abantu bashoboraga kuba abakiriya bawe. Bitewe n’isoko ugamije, koresha umuyoboro w’iyamamazabikorwa utuma ubasha kugera ku bantu benshi; unatuma ubasha kubona abantu benshi babasha kugura ibyo ukora muri iryo soko ugamije. Bitewe n’ikoranabuhanga ryateye imbere ku isi yose, tekereza uburyo wakoresha imbuga nkoranyambaga nka Facebook cyangwa Instagram zikunze gukoreshwa muri Afurika y’Iburasirazuba kugirango ubashe kumenyekanisha ibicuruzwa cyangwa serivisi zawe ahongaho. Tegura gahunda y’ubutumwa bwajya butambuka buri cyumweru cyangwa buri kwezi kugirango abakiriya bawe bakomeze buri gihe kugira amakuru ajyanye n’ibicuruzwa cyangwa serivisi nshya ikigo cy’ubucuruzi cyawe gitanga. Niba ufite amafaranga ahagije, shaka uburyo wakoresha iyamamazabikorwa ryishyurwa wifashishije imbuga nkoranayambuga zizwi cyane n’abakiriya bawe bateganyijwe nka Facebook. Shyira mu butumwa bw’iyamamabikorwa nomero ya telefone ukoresha mu bucuruzi bwawe n’aderesi y’aho ukorera kugirango byorohere abashobora kuba abakiriya bawe kukubona.
  • Kureka igitekerezo nyamukuru kigamijwe: Kureka igitekerezo nyamukuru kigamijwe ni kimwe no gutakaza umutima w’icyo gitekerezo. Benshi mu bacuruzi bato bareka ibitekerezo nyamukuru iyo badafite gahunda ikwiye y’ibikorwa by’ubucuruzi bwabo ya buri munsi, buri cyumweru, cyangwa iya buri kwezi. Tegura ingengabihe igaragaza ibikorwa biteganyijwe, igihe buri gikorwa kigomba gutangirira n’igihe kigomba kurangirira. Kugira ingengabihe n’ibikorwa biteganyijwe bizagufasha guhuza imbaraga nyinshi n’ibikorwa byihutirwa kurusha ibindi ari nako ukurikirana ibyo ugenda ugeraho ugereranyije n’igihe ibyo bikorwa uba washyizeho biba bigomba kurangirira.

Kugirango igitekerezo cyangwa igisubizo runaka kibashe kugenda neza, ni ngombwa kugitegura neza no kwita ku ngingo zose zavuzwe hejuru. Kuzishyira zose mu bikorwa byongerera ubundi buzima icyo gitekerezo hakanaboneka n’andi mahirwe akomeye ajyanye n’icyo gisubizo ndetse n’uburambe bwacyo.

by adminccxib

Banki ya Kigali itangije Ikigo giha serivisi Ibigo by’ubucuruzi Bito n’Ibiciriritse (SME)

Banki ya Kigali itangije Ikigo giha serivisi Ibigo by’ubucuruzi Bito n’Ibiciriritse (SME)   

SME Response Clinic yaganiriye na Darius Mukunzi, Umuyobozi ushinzwe Serivisi z’amabanki zihabwa Ibigo Bito n’Ibiciriritse muri Banki ya Kigali ku byerekeranye n’uburyo banki iha serivisi Ibigo by’Ubucuruzi Bito n’Ibiciriritse (SME). Banki ya Kigali ni iyo banki y’ubucuruzi nini kurusha izindi mu Rwanda; ikaba iha serivisi Ibigo by’Ubucuruzi Bito n’Ibiciriritse birenga 200.000 mu gihugu. Muri Nyakanga 2022, Banki ya Kigali yatangije Ikigo giha serivisi Ibigo by’Ubucuruzi Bito n’Ibiciriritse ; ubwo bukaba ari uburyo bwo guha  serivisi z’imari n’iz’ubujyanama abacuruzi bashaka guteza imbere ibigo by’ubucuruzi byabo.

Mu rwego rwo guha serivisi icyo cyiciro cy’abakiliya, Banki ya Kigali yifashisha abayobozi bashinzwe imibanire n’abakiliya n’abakozi bakorera ku Kigo giha serivisi Ibigo by’Ubucuruzi Bito n’Ibiciriritse (SME) no kuri buri shami rya banki.   Aba bakozi bashinzwe gufasha banki kumva neza ibyo abakiliya bo mu cyiciro cya SME bakeneye;  ibyo bigatuma Banki ya Kigali ibasha kunoza ibicuruzwa na serivisi zijyanye n’ibyo bikenewe uko bigenda bitera imbere ku isoko. By’agahebuzo, amashami ashinzwe Ubucuruzi n’ashinzwe Inguzanyo mu kigo giha serivisi Ibigo by’ubucuruzi Bito n’Ibiciriritse (SME) arakorana cyane; ibyo bikoroshya ifatwa ry’ibyemezo bikanagabanya igihe abakiliya bo mu cyiciro cya SME bakoresha kugirango babone  ibicuruzwa byo mu rwego rw’imali bagura muri banki.

Banki ya Kigali kandi yifashisha ibikorwaremezo bya Leta kugirango ibone abakiliya bashya bo mu cyiciro cya SME kandi igaha Ibigo Bito n’Ibiciriritse (SME) inguzanyo ku ijanisha ry’inyungu ryiza. Banki yagize uruhare mu gusohora amafaranga Leta ishyira muri Renewable Energy Fund none ubungubu ikaba igira uruhare mu gutanga amafaranga y’Ikigega  Economic Recovery Fund (Hatana 2) n’ay’ikigega Export Growth Fund. Banki ya Kigali kandi iri gukora ku ngamba igamije guha Ibigo Bito n’Ibiciriritse (SME) serivisi zitari izo mu rwego rw’Imari, ikaba itegura kongera ubushobozi bujyanye n’Insanganyamatsiko nko kugira ubumenyi mu bijyanye no gukoresha imari mu Bigo Bito n’Ibiciriritse n’imisoro. Serivisi zitari iz’imari kandi zizazana Amakelebe y’Ubucuruzi n’Uburyo bwo guhuza ibigo bigira uruhare mu ruhererekane rw’ibicuruzwa mu gihe cyiri imbere.

Sura ikigo cya SME Center  cya Banki ya Kigali muri Kigali, mu Nyubako ya CHIC, mu Igorofa ya kabiri kugirango umenye byinshi ku byerekeranye n’ibyo banki itanga muri icyo cyiciro cy’abakiliya.

by KachecheMusa

rwiyezamirimo

Bisaba iki kugirango umuntu abe rwiyemezamirimo mwiza?

Bisaba iki kugirango umuntu abe rwiyemezamirimo mwiza?

Kuba rwiyemezamirimo bigira akamaro kandi bikabamo ingorane. Nta banga ririmo kuba rwiyemezamirimo mwiza, ariko hari ibintu bimwe bizwi neza ba rwiyemezamirimo bagomba kwimakaza kugirango babashe gushinga ibigo by’ubucuruzi byiza kurushaho kandi byunguka. Menya byinshi mu bice bikurikira.

Gukorana ishyaka: Nubwo kugira abantu bagushyigikira ari ngombwa, ba rwiyemezamirimo bakora neza kenshi na kenshi bakorana ishyaka kandi ntibakenera guterwa akanyabugabo kugirango bafate intera yo gushinga ibigo by’ubucuruzi bikora neza. Batangira umunsi bafite ibikorwa bagomba gukora n’intego bagomba kugeraho, bagahora bibuka  intego nyamukuru y’ubucuruzi bwabo. Bafata ingorane bagenda bahura nazo nk’amahirwe atuma biga ibintu bishya bakanatera imbere aho kugirango bibaviremo impamvu yo gucika intege no kureka ibikorwa byabo.

Ubaka imbaraga zawe muri uru  rwego ushyiraho buri gihe ibikorwa n’intego zawe n’iz’itsinda ryawe – buri munsi cyangwa buri cyumweru. Tekereza ku byerekeranye n’uburyo wazamura ubucuruzi bwawe ku yindi ntera yisumbuyeho aho gutegereza ko amahirwe yigaragaza ubwayo.  Fata ingorane nk’amahirwe yo gutanga ibicuruzwa cyangwa serivisi nziza kurushaho kandi ugerageze  kunezeza abaguzi bawe ubaha ibyo bakeneye.

Imyitwarire mu kazi ihamye: Ba rwiyemezamirimo bakomeye usanga baba bafite imyitwarire mu kazi ihamye; ibyo bikagena uburyo bakoresha igihe cyabo. Barangwa n’umuhate wo gukora bagamije kugera ku ntego runaka baba bashyizeho, kabone n’iyo byaba bisaba gukora nyuma y’amasaha y’akazi asanzwe.

Ubaka imbaraga zawe muri uru rwego ushyiraho imikorere ya buri munsi iri mu murongo mwiza, wuzuza inshingano kandi ushyiraho imyumvire iranga umurimo ukomeye binyuze mu bwitange no kwita ku cyo umuntu akora.

Guhanga udushya:  Bitewe no guhigana gukomeye kugaragara muri ba rwiyemezamirimo, ba rwiyemezamirimo bakora neza baba ari abantu bahanga udushya ubwabo cyangwa ari abantu bakoresha abakozi bahanga udushya. Kugirango ba rwiyemezamirimo babashe gushyiraho ibitekerezo byihariye no kubona ibisubizo bijyanye n’ibyo abaguzi baba bakeneye bisaba gutekereza ku buryo bwihariye mu bintu byose uhereye ku iyamamazabikorwa ukagera ku itangwa rya serivisi no ku ikorwa ry’ibicuruzwa.  

Ubaka imbaraga zawe muri uru rwego wimakaza imyumvire yo kugira amatsiko mu buzima bwawe bwa buri munsi kandi ukorana n’abantu bashobora kuba bishimiye urwego rw’imirimo ukoramo. Gukorana n’abandi bishobora kugufasha kunguka ibitekerezo bishya no kumenya neza uko abandi babona ibisanzweho.

Kugira ubuhanga bwinshi mu bijyanye no kuyobora: Kenshi na kenshi, abakozi n’abaturage bavuga ko benshi muri ba rwiyemezamirimo bakora neza baba ari abayobozi bakomeye kandi barangwa n’ubupfura. Ubushobozi bwo kuyobora bufasha ba rwiyemezamirimo guteza imbere impano mu matsinda bakoramo, bikongera imikorere myiza bikanatuma hakorwa ibicuruzwa  hakanatangwa serivisi zifite ireme.

Ubaka imbaraga zawe muri uru rwego usabana buri gihe n’abakozi bawe kugirango ubashe kumva ingorane zabo, ibyo bakora neza, intege nke zabo ndetse n’imbaraga zabo. Ibi bizagufasha kumenya icyo ugomba gukora kugirango barusheho gutanga umusaruro.

Kuba rwiyemezamirimo mwiza bisobanura kuba umuntu ukora cyane kandi ufite ubushobozi bwinshi mu bintu binyuranye. Isuzume ubwawe uhereye ku ngingo zimaze gusobanurwa noneho urebe aho ugomba kongeramo imbaraga zawe. Kanda hano maze wikorere isuzuma rigufi nka rwiyemezamirimo noneho urebe ibyo ushobora kunoza nka rwiyemezamirimo.

by KachecheMusa

gutangiza

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.

by Viktoria Wittlinger de Lima

Ntabwo uzi neza niba ugomba kwandikisha ubucuruzi bwawe? Dore impamvu ugomba kubikora!  

Ntabwo uzi neza niba ugomba kwandikisha ubucuruzi bwawe? Dore impamvu ugomba kubikora!  

Ibigo by’ubucuruzi bito bitinya kwiyandikisha ku bigo bishinzwe kugenzura. Kubera iki? Kubera ko batekereza ko bitwara amafaranga menshi kandi kwiyandikisha bikaba bikomeye cyangwa bikaba ari ibigo by’ubucuruzi bicungwa n’umuryango biba bishaka kubuza abantu bo hanze kubyinjiramo. Mu gihe kwiyandikisha bitwara igihe gito (hagati y’iminsi y’akazi ibiri n’itatu iyo inyandiko zisabwa zose zatanzwe), ibigo by’ubucuruzi byanditse bigira uburenganzira bumwe, inyungu,  n’ibindi byiza byihariye ibigo by’ubucuruzi bitanditse bitabona.  

Dore inyungu enye zo kwandikisha ubucuruzi bwawe.    

  • Kubona imari no gukora ishoramari ku buryo bworoshye   

Kwandikisha ubucuruzi bisabwa by’umwihariko ku bigo by’ubucuruzi bishaka imari mu bigo bitanga serivisi z’imari byemewe; ibyo bigo bikaba ari byo bitekanye kurusha ibindi kandi na serivisi zabyo zikaba zihendutse ugereranyije n’abandi batanga amafaranga y’inguzanyo baboneka ku isoko. Abashoramari – cyane abakomeye cyangwa abashoramari mpuzamahanga – kenshi na kenshi bashora imari yabo mu masosiyete yanditse, kubera ahanini baba bazi ko hariho urwego ruzwi rushinzwe kwakira ishoramari rya bo. Iyo wandikishije ubucuruzi bwawe, uba ufashe intumbero yo  kuzamuka mu bucuruzi wiyemeje gukora kandi iryo zamuka rikaba rishobora kugerwaho gusa iyo ubwo bucuruzi bushowemo imari.    

  • Kugabanya uburyozwe ku giti cyawe  

Iyo ufite ubucuruzi butanditse biba bisobanuye ko imbere y’amategeko wirengera ibibazo byose bijyanye n’ubucuruzi bwawe, harimo n’amadene n’ibihombo. Byongeye kandi, ni wowe ku giti cyawe ubibazwa iyo ucuruje igicuruzwa kibi  cyangwa utanze serivisi mbi. Ibi bishobora kugira ingaruka mbi kuberako izina ryawe rishobora kwandura n’umutungo wawe ugahura n’ibibazo. Kwandikisha ubucuruzi biba bivuga ko buzwi nk’ikigo kihariye imbere y’amategeko; ibyo bikaba bishobora kurengera umutungo bwite wawe.    

  • Kubaka izina ry’ubucuruzi ryiza  

Kwandikisha sosiyete bizamura izina ry’ikigo cy’ubucuruzi n’uko icyo kigo  kigaragara ku isoko. Sosiyete ni ikigo cy’ubucuruzi ubwa cyo gikora mu buryo bwihariye butandukanye na we nyiracyo. Abakiriya ba sosiyete bareshywa kenshi n’ibigo by’ubucuruzi byanditswe kubera ko bumva batekanye igihe bakorana n’ibigo byanditswe mu buryo bwemewe n’amategeko aho gukorana n’ibigo bitanditswe. Mu gihe kinini, ibi bishobora kugira ingaruka zifatika ku musaruro uba utegerejwe.    

  • Gushyigikira ubwitabire bwawe mu bikorwa byo gupiganira amasoko yo gutanga ibicuruzwa na serivisi.  

Ibigo by’ubucuruzi byanditswe ni byo byonyine byemererwa kwitabira ibikorwa byo gupiganira amasoko. Bizakubuza amahirwe nk’umucuruzi niba   ubucuruzi bwawe butanditswe. Ibi bireba amasoko yose yaba aya Leta cyangwa ay’abikorera.  

Igikorwa cyo kwandikisha ubucuruzi cyoroshye kurusha uko wowe ubitekereza  – Sura urubuga rwa  Uganda Registration Services Bureau (URSB) niba ukeneye andi makuru. Tangira uyu munsi!   

Urakoze kubireba.  

Niba ukeneye kumenya andi makuru ku byerekeranye n’uburyo bwo kwandikisha ubucuruzi, sura urubuga rwa : https://covid19businessinfohub.com/ 

 

by SME Response Clinic

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 musa.kacheche@consumercentrix.ch 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 musa.kacheche@consumercentrix.ch!

by Viktoria Wittlinger de Lima

SME Response Clinic ikoresha ikiganiro hifashishijwe ikoranabuhanga ku nsanganyamatsiko yerekeranye n’ibisubizo bishoboka byo kunoza imibereho myiza ya ba rwiyemezamirimo b’abagore

SME Response Clinic ikoresha ikiganiro hifashishijwe ikoranabuhanga ku nsanganyamatsiko yerekeranye n’ibisubizo bishoboka byo kunoza imibereho myiza ya ba rwiyemezamirimo b’abagore

Kuwa 8 Ukuboza 2021,   SME Response Clinic yakoresheje ikiganiro hifashishijwe ikoranabuhanga ku nsanganyamatsiko yerekeranye n’ibisubizo bishoboka byo kunoza imibereho myiza ya ba rwiyemezamirimo b’abagore mu Isomero Rusange rya Kigali.

Icyo kiganiro gitambuka hakoreshejwe ikoranabuhanga ni igice cy’uruhererekane rw’ibiganiro bya Ubaka ufite ubuzima bwiza kurushaho byatangijwe n’ikiganiro cyanyuze kuri KT Radio kuwa 18 Ukwakira 2021 kikaza gukurikirwa n’ikindi kiganiro ku nsanganyamatsiko yerekeranye n’ingamba zishoboka zo kurwanya umunaniro  cyabaye mu Ugushyingo. Urwo ruhererekane rutegurwa ku bufatanye na n’Ikigo cya  Geruka Healing Centre.

Icyo kiganiro cyakozwe hifashishijwe ikoranabuhanga cyari kigamije kumenyesha, kungura ibitekerezo, no gusangira ubumenyi n’ubushobozi na ba rwiyemezamirimo b’abagore; ibyo bikaba byabafasha kunoza imibereho myiza yabo igihe baba bahanganye n’umunaniro wa buri munsi ukomoka ku kazi kajyanye no gucunga ubucuruzi bwabo ari nako banakurikirana izindi nshingano baba bafite. Byongeye kandi,  icyo kiganiro cyakozwe hifashishijwe ikoranabuhanga kibanze ku buryo bushoboka bwo kubungabunga umutekano mu rwego rw’imitekerereze no kongera umusaruro no ku buryo bwo gutunganya neza aho akazi gakorerwa cyane cyane kuri ba rwiyemezamirimbo b’abagore.

Icyo kiganiro gikorwa hifashishijwe ikoranabuhanga cyitabiriwe n’impuguke mu bijyanye n’ubuzima bwo mutwe, Adelite Mukamana, M.Sc.,  hamwe n’abacuruzi bakomeye b’abagore ari bo Scovia Umutoni na Amina Umuhoza. Madame Mukamana yatangije ikiganiro atanga urugero rutangaje rufasha abari bitabiriye ikiganiro kugira imyumvire yimbitse ku byerekeranye n’ubuzima bwo mu mutwe n’imibereho myiza:

Mu mutwe hacu hameze nka moteri y’imodoka iyo ari yo yose. Uko imodoka yaba igaragara neza hanze kose, idafite moteri, ntabwo yashobora kugenda. Imodoka ishobora kugenda gusa iyo moteri ikorana ingufu zayo zose. Mufate ubuzima bwo mu mutwe n’imibereho yanyu muri ubwo buryo.Iyo hari ikintu kitameze neza muri moteri y’imodoka, ushaka umukanishi. Mu gihe wumvise ubuzima bwo mu mutwe cyangwa imibereho yawe itameze neza,  saba ubufasha bwo mu rwego rw’umwuga.  

Scovia na Amina buri wese yatumenyesheje ibyamubayeho. Mureke tubyinjiremo maze turusheho kumenya byinshi:

Ibyabaye kuri Scovia:

Scovia Umutoni ni we washinze  KGL Flour Limited, uruganda rutunganya ibihingwa mu rwego rw’ubucuruzi, urwo ruganda rukaba rukora ifu y’ibigori- izwi ku izina rya kawunga- n’ibiryo by’amatungo. Mbere ya COVID-19, yakoraga ahandi hantu, ariko yaje gutakaza akazi ke kimwe n’abandi bantu benshi ubwo icyorezo cyadukaga. Aho kwiheba, yafashe icyemezo cyo gushora amafaranga yari yarizigamiye maze atangiza ubucuruzi bwe bwite. Nubwo byari igitekerezo cyiza, byabaye ibihe bikomeye kubera ko ubwo yatangiraga ubucuruzi bwe, u Rwanda rwagiye muri Guma mu Rugo, ibintu byose bihita bihagarara.

Guma mu rugo irangiye, ubwo ubundi bucuruzi bwongeraga gutangira gukora, isoko rya Scovia  ryari rigizwe n’ibigo by’amashuri n’amahoteli ryari ritaratangira gukora. Yatangiye kumva bimubabaje atanabona neza uko ejo hazaza he hazaba hameze. Scovia yahise atekereza vuba noneho afata icyemezo cyo guhindura uburyo bw’imikorere, agamije isoko ryo muri Repubulika iharanira Demokarasi ya Congo (DRC). Ubwo yatangiye kujya aha ibicuruzwa bye abaguzi bo muri DRC guhera ubwo ngubwo. Noneho u Rwanda rutangiye kuzahuka buva mu ngaruka z’icyorezo yongera gutangira kugurisha  ibicuruzwa bye mu Rwanda.

Scovia akeka ko ba rwiyemezamirimo b’abagore kenshi na kenshi bagira ingorane mu kazi kabo baterwa n’uko ari abagore. Urugero, yagombye gutumiza imashini isya ifu y’ibigori ku mucuruzi w’umugabo, ubwo yatangiriraga ku busa. Uwo mucuruzi yari yaramurangiwe na Rwanda Standard Board. Uwo mucuruzi yabwiye Scovia ko azamuha imashini mu byumweru bibiri. Ariko, ntabwo yabashije kuzuza amasezerano bari bagiranye, ahubwo byarengeje ukwezi kugirango amuhe izo mashini. Byabaye ngombwa ko ajyana yo n’inshuti ze magara z’abagabo kugirango zimurebere kugira ngo zimufashe guhabwa izo mashini. Ibi byaramubabaje cyane kandi ni kimwe mu bintu bibi cyane yahuye na byo mu kazi ke nka rwiyemezamirimo.

Muri COVID-19, Scovia yasubiye inyuma atekereza ku byari biri kuba noneho atangira gutekereza ku ngamba nshya zigamije kunoza ubucuruzi bwe. Yakoze ibikorwa byinshi byamushimishije kandi byamunogeye mu buzima bwe. Urugero, kumva indirimbo z’Imana nka kimwe mu bintu bigamije gushyigikira ubuzima bwo mu mutwe bwe. Ubuzima bwe nk’umucuruzi ntibubuzemo ingorane- aracyahura n’ingorane nk’umugore ukora mu rwego rwiganjemo abagabo kimwe n’inzitizi zishingiye ku ihagarikwa ry’ingendo bitewe n’icyorezo kigikomeza. Ariko, ntabwo ateganya guhagarika imirimo ye. Scovia yaje kumva ko ingorane zizahoraho igihe cyose kandi ko icy’ingenzi ari ugushaka ibisubizo bigamije guhangana n’izo ngorane.

 

Ibyabaye kuri Amina :

Amina Umuhoza ni we washinze SAYE – DUKATAZE LTD akaba n’Umuyobozi Mukuru wayo. SAYE ni sosiyete igamije kurwanya inda zitateganyijwe ziterwa abakobwa b’abangavu bitewe n’akato bakorerwa iyo bari mu mihango y’ukwezi. Sosiyete ye iha abagore bato amakuru yerekeranye n’ubuzima bw’imyororokere, imicungire y’isuku igihe bari mu mihango y’ukwezi, ikanabongerera ubushobozi bwo mu rwego rw’ubukungu igurisha ibicuruzwa bakora hifashishijwe ikoranabuhanga n’ubwitange bw’abaturanyi.

Icyorezo cya COVID-19 cyagabanyije cyane ibikorwa bya SAYE . Ntabwo ari ibintu byoroheye sosiyete mu bihe bya Guma mu rugo. Byabaye ngombwa ko sosiyete ikora ibikorwa byayo byose ikoresheje ikoranabuhanga; ibyo bikaba byaratumye Amina na bagenzi be batangira kwibaza niba bazashobora kugera ku ntego bihaye. Amina yagombye guhitamo ibikorwa byihutirwaga kurusha ibindi. Urugero, sosiyete yagombaga gukoresha inyungu yabonaga mu guhemba abakozi imishahara yabo ku buryo babasha gukomeza akazi kandi bakabaho bishimye. Birumvikana, ibi byagize ingaruka zikomeye ku mikorere ya sosiyete no ku mibereho myiza y’abakozi. Bakomeza gukora neza mu gihe cy’icyorezo kuberako bize kubaho nk’aho ari ibintu bishya ariko bisanzwe.

Nka rwiyemezamirimo w’umugore, imwe mu ngorane ahura nazo ni amagambo atari meza abantu bagenda bavuga, harimo no gukorerwa iterabwoba ku mbuga nkoranyambaga. Urugero, akunda kumva cyangwa agasoma ( ku mbuga nkoranyambaga) iyo sosiyete ye yungutse umufatanyabikorwa mushya cyangwa yafunguye ishami rishya igurishirizamo ibicuruzwa byayo amagambo agira ati:  “uzashyingirwa ryari ?” cyangwa “utegereje kubanza gukira kugirango ubone gushaka?” Atekereza ko aya magambo yose akomoka mu muco wacu wakomeje kujya ugenda inyuma y’abagore mu bice byose by’ubuzima. Ariko, ibintu byatangiye guhinduka kubera ko Leta yacu yagiye yigisha abanyarwanda akamaro k’umugore mu iterambere ry’igihugu, iry’umuryango n’iry’umuntu ku giti cye.

Ibyo bihe ntabwo byoroheye Amina. Ikintu cyamukomereye mu rwego rwo guhangana n’ingorane zifitanye isano n’Icyorezo cya COVID-19 ni ukugira imbaraga zihagije no gukomeza gukora we n’abo bakorana. Kugirango babashe kubigeraho, yakoresheje ibihe bya guma mu rugo abibyaza umusaruro uko bishoboka kose, yitekerezaho akanakora imirimo yo mu mpapuro. Ibyo byamuteye akanyabugabo, kandi n’ibyo byiyumviro byamufashije kubasha kugera ku bo bakorana binyuze mu mbuga nkoranyambuga. Amina kandi yagerageje kwita ku bikorwa yari yarasubitse mbere y’icyorezo; ibyo bikorwa bikaba byarahaye SAYE amahirwe mashya nyuma ya guma mu rugo.

Kongera kubaka ufite ubuzima bwiza kurushaho :

Scovia n’Amina bifuza gutera imbere nk’abacuruzi b’abagore ariko ntabwo byoroshye. Bose amagambo atari meza abageraho ashingiye ku bintu bisanzwe bivugwa hafi ya buri munsi; urugero, igitekerezo kivuga ko ba rwiyemezamirimo b’abagore bashobora gutera imbere gusa ari uko bashatse.  Adelite Mukamana ntabwo yemera ibyo bivugwa. Yaravuze ati : “ Kenshi na kenshi twumva bavuga ko iterambere ry’abagore rishingira ku mugabo. Scovia n’Amina ni ingero zifatika zigaragaza ko rwiyemezamirimo w’umugore ashobora gucunga ubucuruzi bwe neza kandi agatera imbere mu bihe ibyo ari byo byose kandi twizeye ko ari ingero nziza abandi bagore bagenzi bacu bashobora kureberaho muri sosiyete nyarwanda ”.

Ba rwiyemezamirimo bombi bemeranyijwe ku kintu kimwe – umuntu ahitamo imyumvire ye bwite, kandi kugira imyumvire myiza ku bijyanye n’imibereho myiza ni ikintu cy’ingenzi gifasha guhangana n’ibintu bibi. Adelite Mukamana yemera ibi bikurikira: “ Dukora dukurikije uburyo dutekereza kandi dufata icyemezo kubyerekeranye n’uburyo dutekereza”.

Ba rwiyemezamirimo b’abagore by’umwihariko bahura n’ingorane zo guhuza akazi kabo n’ubuzima bwo mu rugo. Amina akeka ko kugira umugabo ugushyigikira kandi wumva icyerekezo cye ari ikintu cy’ingenzi gifasha rwiyemezamirimo w’umugore gutera imbere. Madamu Adelite Mukamana, inzobere mu kazi ke akaba n’umubyeyi, yagiriye inama ba rwiyemezamirimo b’abagore kudatinya kugira imiryango kubera ko umugore ari ikiremwa muntu gishobora gukora imirimo myinshi. Yagiriye inama abagore gukora ibikorwa by’ubucuruzi batitaye ku buzima bwabo bwo mu muryango mu gihe cyose bifitemo icyizere ko bashobora kubikora. Yashimangiye kandi ko abagabo batagomba  guterwa ubwoba n’uko abagore bagira ubushobozi bwo mu rwwego rw’ubukungu cyangwa n’iterambere ry’abo bashakanye ahubwo ko bagomba kwibanda ku iterambere ryabo bombi.

Sura urubuga rwa   SME Response Clinic maze ubone inama zigirwa ba rwiyemezamirimo zibafasha gukomeza ubuzima bwo mu mutwe n’imibereho myiza yabo n’iy’abakozi babo. Tubasabye  kandi kujya mukurikirana ku mbuga nkoranyambaga zacu inkuru za ba rwiyemezamirimo ku byerekeranye n’uburyo ibikorwa by’ubucuruzi byabo bishyira imbere ubuzima bwo mu mutwe n’imibereho myiza nk’imwe mu ngamba zo guhangana n’ingorane zatejwe n’icyorezo cya COVID-19. Ushobora kandi kudusanga kuri  YouTube, Facebook, Twitter, na  LinkedIn.

SME Response Clinic hosts webinar on Practical Solutions for Improving the Wellbeing of Women Entrepreneurs

The SME Response Clinic held a webinar on practical solutions for improving the wellbeing of women entrepreneurs at Kigali Public Library on the 8th of December 2021. The webinar was part of the Building Back Healthier Series that was launched with a talk show on KT Radio on the 18thof October 2021 and followed another webcast on practical strategies to deal with stress held in November. The series is organized in partnership with the Geruka Healing Centre.

The objective of the webinar was to inform, inspire, and share knowledge and skills that businesswomen can use to better their wellbeing when dealing with day-to-day stresses of running a business while managing other responsibilities. In addition, the webinar dove into practical techniques for increasing psychological safety and productivity and how to optimize the workplace especially for women entrepreneurs.

The webinar featured a mental health expert, Adelite Mukamana, M.Sc., with two active businesswomen, Scovia Umutoni and Amina Umhoza. Mme. Mukamana started the session with a fantastic example to help the audience have an in-depth appreciation of mental health and wellbeing:

 

Our mind is like an engine of any car.  No matter how good-looking the car might seem on the outside, without the engine, it wouldn’t start. The car can only move when the engine is working in full force. Think about your mental health and wellbeing like that. When something is wrong with your car engine, you look for a mechanic. The moment you feel that your mental health or wellbeing is struggling, look for professional help.” 

 

 

Scovia’s Experience:

Scovia Umutoni is Founder of KGL Flour Limited, an agribusiness factory that produces maize flour – locally known as Kawunga – and animal feed. Before the pandemic, she was employed elsewhere, but she lost her job like many others when the pandemic hit. Undeterred, she decided to invest her savings to create her own business.

While exciting, it proved to be a very challenging time because once she started her business operations, Rwanda went into lockdown, putting everything on hold.

By the time lockdown was over, while many businesses were back up and running, Scovia’s target market including schools and hotels were still not operational. She started to feel frustrated and uncertain about the future. Scovia thought quickly and decided to change her approach, targeting the Democratic Republic of Congo (DRC). She has been serving customers in DRC since then, and as Rwanda has begun to recover, she has started to deliver her products locally.

Scovia believes that women entrepreneurs often face specific challenges based on the fact they are women. When she ordered a corn flour machine to start her business from a local businessman, Scovia struggled to get the machine in the agreed-upon two week period. It took engaging male friends to visit the provider with her for Scovia to get the machine two weeks later than promised. Scovia is certain that had she been a male entrepreneur, she would not have had to resort to engaging friends to help her. This is just one example of common obstacles faced by women entrepreneurs, many of whom were also disproportionately affected by COVID-19.

During the pandemic, Scovia took a step back to reflect on her businesses and to think of new strategies to improve operations. Recognizing the importance of her own wellbeing, she took a number of actions to improve her mental health, including listening to music. Her business life is not without challenges – she still faces challenges like being a woman in a male-dominated industry and travel restrictions due to the ongoing pandemic – but she doesn’t intend to stop. Scovia has learned that challenges will always exist, and what is important is to look for solutions to deal with them.

Amina’s Experience:

Amina Umuhoza is Founder and CEO of SAYE – DUKATAZE LTD, which aims to fight unintended pregnancies in young Rwandan women due to menstruation stigma. Her company provides young women with reproductive health information, menstrual hygiene management, and economic empowerment by selling products produced by young women through technology and community engagement.

 

The COVID-19 pandemic dramatically changed SAYE’s operations, and like many other businesses, the company took its business online during lockdowns. This major shift in operations led Amina and her colleagues to question whether they would attain their goals, and Amina had to work hard to balance competing priorities. For instance, the company had to use profits planned for investment to instead pay employee salaries to ensure proper staffing and employee satisfaction. Choices like these have allowed Amina to ensure SAYE continues delivering on its business and social objectives throughout the challenges of the pandemic.

Like Scovia, Amina also faces challenges unique to being a woman entrepreneur. A key example is negative comments from others, including social media bullying. It is not uncommon for Amina to receive questions about plans to marry when she posts about new products or partnerships. She believes that these comments come from cultural beliefs about the role of women, but things have started to change as the government has been educating Rwandans on the role of a woman in societal, family, and personal development.

The hardest part of responding to the COVID-19 pandemic for Amina was to ensure she was strong and resilient for herself as well as for her co-workers and employees. Amina used the lockdown as productively as possible to ensure a positive mindset, reflecting on herself and catching up on important paperwork. This cheered her up, and that feeling encouraged her to reach out to co-workers through virtual platforms. Amina also managed to take care of action items she had postponed or put off pre-pandemic, which provided SAYE with new opportunities after lockdown.

Building Back Healthier:

Scovia and Amina seek to thrive as businesswomen, but this is not always easy. Both receive negative comments based on stereotypes nearly every day; for example, the idea that as women entrepreneurs they can only be successful if they are married. Adelite Mukamana disagrees with this stereotype. “We often hear that the development of women depends on a man. Scovia and Amina are true examples that a businesswoman can run her business smoothly and shine through all circumstances, and we hope they are good examples to our fellow women in the Rwandan society,” she says.

Both entrepreneurs agreed on one fact – one chooses her or his own mentality, and a positive sense of wellbeing is key to carrying on in the face of adversity. Adelite Mukamana agrees. “We act how we think, and we decide how to think,” she says.

Women entrepreneurs are typically challenged by balancing work and home life. Amina believes that marrying to a partner who supports you and who understands your vision is a crucial element for a success as a businesswoman. Mme Adelite Mukamana, both an expert in her field and a mother, advised businesswomen to not be afraid of having families since a woman is a human being that is capable of carrying out multiple tasks. She advised women to launch businesses regardless of their family lives if they’re confident they can do it. She also pointed out that men shouldn’t be threatened by women’s economic empowerment and their partners’ success but instead focus on growing together.

Visit the SME Response Clinic for tips for entrepreneurs to support their mental health and wellbeing. We also invite you to keep an eye on our social media platforms for entrepreneurs’ stories on how their businesses are prioritizing mental health and wellbeing, as part of responding to the COVID-19 pandemic challenges. You can find us on YouTube, Facebook, Twitter, and LinkedIn. Submission

by Viktoria Wittlinger de Lima

Waba uri umukiriya wa KCB Bank Rwanda cyangwa Banque Populaire? Saba kwitabira amahugurwa ya Survive to Thrive mbere ya tariki 4 Werurwe 2022

Waba uri umukiriya wa KCB Bank Rwanda cyangwa Banque Populaire? Saba kwitabira amahugurwa ya Survive to Thrive mbere ya tariki 4 Werurwe 2022

Binyuze mu bufatanye hagati ya KCB, ConsumerCentriX na African Management Institute, KCB Bank izatanga amahugurwa y’amezi ane ku bakiriya bayo bato n’abaciriritse agamije gufasha ba rwiyemezamirimo gukomeza gutera imbere binyuze mu masomo atangwa hifashishijwe interineti, ibiganiro mbonankubone , urubuga ruhuza ba rwiyemezamirimo bakungurana ibitekerezo hamwe n’ibikoresho by’ibanze byifashishwa mu gukora ubucuruzi.

Amahugurwa ya Survive to Thrive azafasha rwiyemezamirimo hamwe n’undi muyobozi mukuru umwe mu kigo ayoboye kumenya uko wakwiga intego zihamye zo guteza imbere ubucuruzi ndetse ubashe no kwifashisha uburyo bushya n’ibikoresho bizagufasha mu bucuruzi bwawe.

Binyuze mu muryango mugari wa AMI, uzabasha guhura n’abandi ba rwiyemezamirimo bo mu bice bitandukanye by’Afurika, ubone amahirwe yo kugirwa inama ku gucunga neza imari, gukurikiranwa no guhabwa ubufasha, guhura n’abantu batandukanye hamwe no gukomeza kubona uburenganzira ku bikoresho bigezweho byifashishwa mu bucuruzi bitangwa na AMI, amasomo n’ubundi bufasha.

Saba kwitabira hano:  Survive to Thrive Application

by Viktoria Wittlinger de Lima