Strategies for Managing Risk as an SME

Ingamba zo gucunga Ingorane mu Kigo cy’Ubucuruzi Gito n’Igiciritse

Imicungire y’ingorane ijyana no gufata no gushyira mu bikorwa ibyemezo bigamije kugabanya ingaruka mbi ku bikorwa by’ubucuruzi. Ubungubu kurusha mu bindi bihe byahise, bitewe n’icyorezo cya COVID-19 gihungabanya uburambe bw’ibikorwa by’ubucuruzi ku isi hose, iki ni igice gikomeye kijyanye n’imicungire y’ibikorwa by’ubucuruzi. Kudacunga ingorane neza bishobora kugira ingaruka mbi cyane cyane ku bigo by’ubucuruzi bito kuko bikunze kuba bifite amikoro adahagaije  ari nta n’ubuzobere mu bucuruzi ugereranyije n’ibigo by’ubucuruzi binini byabifasha guhangana n’ibihe by’amage bitunguranye. Muri urwo rwego, hari ingamba nyinshi ibigo by’ubucuruzi bito n’ibiciriritse bishobora gukoresha mu gucunga ingorane mu bucuruzi bwabyo.

Soma ibikurikira maze umenye uburyo wacunga ingorane neza mu bucuruzi bwawe.

Curuza ibicuruzwa cyangwa serivisi zinyuranye.

Hari amagambo akunze kuvugwa agira ati: Ntugashyire amagi yawe yose mu nkangara imwe. Utitaye ku rwego waba ukoreramo rwose rwaba urwa serivisi, urw’ubucuruzi, urw’inganda cyangwa urundi rwego urwo ari rwo rwose, gukora ibintu binyuranye mu bucuruzi bwawe ni igitekerezo cy’agahebuzo. Guha abaguzi bawe uburyo bwo guhitamo ibintu byinshi bizamura uburyo bumva bishimiye ibyo ukora; ibyo bigatuma hinjira amafaranga menshi mu bucuruzi bwawe. Ibyo bishobora kandi gushyiraho intera  hagati yawe n’abo muhiganwa. Urugero rumwe rufatika  ni iduka ricuruza ibijyanye n’ikoranabuhanga rigurisha telefoni zigendanwa cyangwa ibikoresho bya elegitoronike. Uburyo bumwe bene icyo kigo cy’ubucuruzi gishobora kongera mu bucuruzi bwacyo ibindi bicuruzwa binyuranye ni ugucuruza ibyuma byo kubikora igihe byapfuye- ibi bishobora gutuma wa mukiriya waje rimwe ahinduka umukiriya uhoraho uza buri gihe.

Iyigishe ibijyanye n’amategeko.

Kugira amakuru asanzwe nko kwandikisha ubucuruzi, ibigomba gukorwa mu rwego rw’ubuzima n’isuku cyane cyane muri ibi bihe, ingamba zo kwirinda ikwirakwira rya COVID-19 bishobora kugufasha gucunga ingorane zishingiye ku mategeko. Ibi ni ngombwa ku bafite ibikorwa by’ubucuruzi kugira ngo babashe kumenya uburenganzira ibigo by’ubucuruzi byabo bifite ugereranyije n’ibindi bigo by’ubucuruzi cyangwa abandi bantu ku giti cyabo. Ni ingenzi kandi kumva ibikorwa bimwe bishobora gutuma ikigo cy’ubucuruzi cyawe gifungwa n’ubuyobozi; urugero, niba ushaka gufungura uruganda rukora amasabune cyangwa umuti wo gukaraba intoki, ugomba kureba niba ibyo ukora byemewe n’Ikigo cy’Igihugu Gishinzwe Ubuziranenge mbere yo kubishyira ku isoko. Byongeye kandi, niba ikigo cy’ubucuruzi kigomba kugirana amasezerano n’ikindi kigo cy’ubucuruzi, kigomba kumenya uwo kigiranye amasezerano nawe n’ibizakurikiraho igihe umuntu umwe cyangwa  benshi mu bashyize umukono ku masezerano atazabasha gukora cyangwa gutanga ibyo yiyemeje mu buryo bushingiye ku mategeko.

Kubika inyandiko zumvikana ziciye mu mucyo.   

Ni ngombwa buri gihe kubika inyandiko z’ibikorwa bikomeye by’ikigo cy’ubucuruzi cyawe nk’inyandiko z’ibyacurujwe, imyenda uha abakiriya bawe, ikiguzi cy’ibikorwa, ingengabihe z’akazi, n’ubwishyu bw’imisoro. Ni ngombwa nanone kumenya niba abakozi bawe bandika ibikorwa by’ubucuruzi byawe uko bikwiye ku buryo nawe byagufasha gutegura raporo z’imari. Ibi bigabanya ingorane zijyanye n’igihombo gishobora kubaho, amakimbirane n’abakiriya, ubujura cyangwa uburiganya bushobora gukorwa n’abakozi;  kwandika ibikorwa by’ikigo cy’ubucuruzi cyawe bigufasha kugenzura aho imari yawe yerekeza kandi bikagufasha kumenya niba amafaranga usohora akwiye cyangwa adakwiye. Urugero, niba ucuruza imyenda, amakuru wandika atuma umenya ibicuruzwa byo mu iduka ryawe bigurwa kurusha ibindi kandi byinjiza amafaranga menshi; ibyo bikagufasha gufata ibyemezo uzi n’impamvu yabyo ku byerekeranye n’ibicuruzwa ugomba kwibandaho.

Mu gihe ukeneye amafaranga, saba inguzanyo ahantu hazwi hakorera mu mucyo.  

Benshi mu bantu bafite ibigo by’ubucuruzi bari mu ngorane zakomotse ku cyorezo bakeneye amafaranga yo kongera gutangira cyangwa kongera imbaraga mu bikorwa byabo by’ubucuruzi. Inguzanyo itanzwe n’ikigo cy’imari kizwi ishobora kugira akamaro cyane muri uru rwego. Irinde gusaba inguzanyo abandi bantu cyangwa ngo uguze amafaranga ahantu hatazwi kuko bashobora kuguca ibiguzi bitagaragara  cyane cyane inyungu zihanitse cyane cyangwa bakakwishyuza mu buryo budakwiye igihe ugize ikibazo cyo kwishyura. Mu gihe usaba inguzanyo mu kigo cy’imari kizwi, ugomba kureba niba amafaranga usabwa kwishyura ushobora kuyabona, niba ijanisha ku nyungu n’amafaranga yo kwiga dosiye aciye mu mucyo kandi niba ikigo usabamo inguzanyo kizewe.

Niba bishoboka, fata ubwishingizi.

Ubwishingizi ni kimwe mu bikoresho byifashishwa mu gucunga ingorane mu nzego nyinshi z’ubucuruzi ariko bukaba butabasha kwishingira ingorane zose ubucuruzi bwawe bushobora guhura nazo. Ubwishingizi bwose bugira ibintu butishingira; ibyo bikavuga ko ari ngombwa kumva ikishingirwa icyo ari cyo. Ni ingenzi kumva ubwoko bw’ubucuruzi ukora kugira ngo ubashe kumenya n’ingorane bushobora guhura nazo. Nk’urugero, umucuruzi wa resitora ashobora guhitamo ubwishingizi bw’inkongi y’umuriro kubera ko akoresha umuriro igihe ategura ibiryo naho umucuruzi ukora imirimo y’ubwikorezi agahitamo ubwishingizi bw’impanuka bitewe n’urwego rw’akazi akoramo. Baza ushinzwe gucuruza ubwishingizi maze agusobanurire ibyishingirwa n’ibitishingirwa mu bucuruzi bwawe.

 

Strategies for Managing Risk as an SME

Risk management involves making and carrying out decisions to minimize potential adverse effects of risk on a business. More than ever, with the COVID-19 pandemic threatening business survival worldwide, this is an important part of running a business. Failing to effectively manage risks can be especially damaging for small businesses since they tend to have fewer resources and expertise than large businesses to help contain unexpected emergencies or situations. With that in mind, there are a number of strategies SMEs can use to manage risk in their businesses. Read below to find out how to effectively manage risk in your own business.  

Diversify your products or services. 

There is a common expression that says: Never put all your eggs in one basket. Regardless of whether you are involved in the service, trade, manufacturing or any other sector, diversifying your business offers is an excellent idea. Offering a wide range of options to your clients enhances customer satisfaction while also creating several income streams for your businessIt can also give you a competitive edge over your competition. One example would be a tech shop selling mobile phones or electronicsOne way that kind of business can diversify its offering by providing device repair for damaged items – this can turn one-time customers into regulars.  

Educate yourself about the law. 

Simple information like business registration, health and hygiene protocols, and most importantly in today’s environment, COVID-19 preventive measures can help you manage legal risks. This because its critical for business owners to be aware of what rights their businesses have against other businesses and individuals. It is also essential to understand certain activities that may lead to closure of your business by governing authorities; for example, if you want to start a small manufacturing business with products like soap or hand sanitizers, you need to make sure your products are approved by the Rwanda Standards Boards before you put them on the market. Additionally, if a business is to engage in contracting agreement with another business, its important to know who is bound to the contract and what may happen if one or more parties cannot perform what they legally agreed to do or deliver. 

Keep clear, transparent records.   

It is critical always to document important transactions in your business such as sales, credit you offer to clients, operations costs, work schedules, and tax payments. It is also essential to make sure that your staff are documenting transactions properly so that you can in turn prepare accurate financial records. This reduces the risk of loss of income, potential conflict with clients, and employee theft or fraud. This is because documenting your business transactions helps you monitor where your finances go, and it will also help you determine whether your spending is appropriate or not. For example, If you’re operating a clothing business, your accounts information will help you determine which products from your shops have more sales and generate more incomes hence enabling you to make informed decisions on which products to focus on. 

When you need financing, acquire business loans from a formal, transparent source.  

Many business owners struggling due to the adverse effects of the pandemic need financing to restart or invigorate their businesses. A loan from a formal financial institution can be a great resource to help in this case. Avoid using moneylenders or other informal sources of financing, which may charge hidden costs, typically have very high interest rates, and may resort to unethical recovery practices should you run into trouble paying. When looking for a business loan from a formal financial institution, be sure that the repayment amount is manageable, the interest rate and fees are transparent, and the institution is trusted. 

If possible, invest in insurance. 

Insurance is one of the tools used to manage risks in several business disciplines but may not cover all the risks to which your business may be exposed. All insurance policies have exclusions, making it essential to understand what is covered. It is critical to understand the nature of businesses you are operating to ascertain the likely risk that can affect it. For example, a restaurant business may opt for fire insurance given they deal with fire to prepare meals, and a transport business may opt for an accident insurance given their line of work. Consult with an insurance broker who can clearly explain both what is covered by your business insurance and what is not. 


Access to Finance Rwanda, ConsumerCentriX n’Abafatanyabikorwa Bishimiye 

Itangazo rigenewe abanyamakuru – Ririhutirwa 

Kigali, Rwanda – kuwa 30 Mata  2021 

Access to Finance Rwanda, ConsumerCentriX n’Abafatanyabikorwa Bishimiye 

Gutangaza Abatsindiye Ibihembo bya SME Response Clinic 

  • Ibigo bitatu by’ubucuruzi binyuranye byatsindiye ibihembo bitangwa na SME Response Clinic ku nshuro ya mbere bihwanye na miliyoni y’amafaranga y’u Rwanda 
  • Abatsindiye ibihembo batoranyijwe nyuma y’uko abagera ku 1200 mu gihugu cyose batanze amazina 
  • Icyiciro cy’ibigo bitanu byaje ku mwanya wa kabiri batewe inkunga yo gukurikira amahugurwa y’amezi atandatu azabungura ubuhanga mu by’ubucuruzi nta kiguzi 

Uyu munsi Access to Finance Rwanda na ConsumerCentriX batangaje amazina y’abatsindiye ibihembo bya  SME Response Clinic ku nshuro ya mbere nyuma y’ubukangurambaga bwiswe Twiteze Imbere bwo kuzirikana uruhare rw’ibigo by’ubucuruzi buto mu gufasha u Rwanda kwigobotora ingaruka zatewe n’icyorezo cya COVID-19. 

Muri ubwo bukangurambaga, abantu bose muri rusange batanze amazina y’ibigo by’ubucuruzi buto, babiha amahirwe yo gutsindira igihembo cya SME Response Clinic. Irushanwa ryari rigizwe n’ibyiciro bitatu: ibigo by’ubucuruzi byashinzwe cyangwa biyoborwa n’abagore, icy’ibigo by’ubucuruzi bikiyubaka cyangwa ibifite udushya hamwe n’ibigo byamaze gukomera. Abanyarwanda batoye ibigo baha amahirwe bifashishije urubuga rwa SME Response Clinic na terefoni. 

Ibigo by’ubucuruzi buto bitatu byegukanye imyanya ya mbere muri buri cyiciro, ibyaje ku mwanya wa kabiri, ndetse n’ibigo 30 byashyizwe ku rutonde nyuma y’ijonjora ry’ibanze byose byatoranyijwe hakurikijwe isuzuma ryimbitse. Access to Finance Rwanda na Consumer Centrix binejejwe no gutangaza ko abatsinze n’abaje ku myanya ya kabiri ari: 

  • Icyiciro cy’ibigo by’ubucuruzi biyoborwa n’abagore 
    1. Ku mwanya wa mbere: Kurema Kureba Kwiga, Ikigo gikora ibijyanye n’ubugeni giherereye i Kigali 
    2. Ku mwanya wa kabiri: Kicirwanda, ikigo gifite ububiko bw’ibikoresho by’ubugeni n’ubukorikori buherereye i Kigali 
  • Icyiciro cy’ibigo by’ubucuruzi buto bikiyubaka cyangwa ibifite udushya: 
    1. Ku mwanya wa mbere: HADI Constructions, ikigo cy’ubwubatsi gikorera mu karere ka Nyagatare 
    2. Ku mwanya wa kabiri: Bhiku Bakery, ikigo gikora imigati cyo mu karere ka Rwamagana na Johnson’s Bakery yo mu karere ka Kicukiro, umujyi wa Kigali 
  • Icyiciro cy’ibigo by’ubucuruzi buto bimaze gukomera: 
    1. Ku mwanya wa mbere: Umucyo Company, ikigo gikora isabune zisukika giherereye mu karere ka Kirehe 
    2. Ku mwanya wa kabiri: Blessed Garden, inzu yakira ba mukerarugendo iyobowe n’umugore iherereye mu karere ka Kayonza na Crema, iduka ricuruza ikawa mu mujyi wa Musanze 

Ibi bihembo bije bikurikira ubukangurambaga bwiswe ‘Twiteze Imbere’ bwateguwe na SME Response Clinic bwari bugamije kwishimira uburyo ibigo by’ubucuruzi buto byabashije guhangana n’ibihe bikomeye no kuzirikana uruhare rwabyo mu rugendo rwo kuzahura ubukungu bw’u Rwanda. SME Response Clinic ni ihuriro ryashyizweho na Access to Finance 

Rwanda na ConsumerCentrix ku bufatanye n’Urugaga rw’Abikorera mu Rwanda (PSF), Ishyirahamwe ry’Ibigo by’Imari Iciriritse Bikorera mu Rwanda (AMIR), Ikigo Nyafurika Kigamije Guteza Imbere Imiyoborere (AMI), New Faces New Voices Rwanda, n’Ishyirahamwe ry’Amabanki mu Rwanda. 

Asobanura iby’ibi bihembo n’ubukangurambaga, Jean Bosco Iyacu, Umuyobozi Mukuru wa Access to Finance mu Rwanda, aragira ati: “Twishimiye abatsindiye ibihembo bya SME Response Clinic n’icyiciro cy’ibigo byaje ku mwanya wa kabiri. Mu byumweru bicye ubukangurambaga bwamaze, habashije gutora abantu bagera ku 1200 mu gihugu cyose. Twishimiye kubona hatorwa ibigo by’ubucuruzi buto mu ngeri zinyuranye, ishyaka n’akanyamuneza k’ababigana, ndetse n’uruhare biri kugira mu guteza imbere aho biherereye muri uru rugendo turimo rwo kuzahura ubukungu bw’igihugu bwashegeshwe n’icyorezo cya COVID-19.” 

Yarongeye ati: “Turashimira buri muntu wese wagize uruhare mu bukangurambaga bwiswe Twiteze Imbere, abafatanyabikorwa, ndetse n’ibitangazamakuru dufatanya byadufashije gusakaza amakuru kuri ubwo bukangurambaga. Birashimishije kubona SME Response Clinic ibasha kugera ku bigo by’ubucuruzi buto muri buri gice cyose cy’iki gihugu kandi tuzakomeza kubishyigikira muri ibi bihe bikomeye na nyuma yaho”. 

Judith Kaine, umuyobozi wa Kurema Kureba Kwiga, kimwe mu bigo by’ubucuruzi byatsindiye igihembo yagize ati: “Ni ishema kuri jye kandi nejejwe no kuba umwe mu batsindiye ibihembo bya SME Response Clinic. Iki gihembo ni icyo kuzirikana uruhare rw’ingenzi abahanzi bagira mu rwego rw’ubukungu kandi igihembo cy’amafaranga kizafasha ubucuruzi bwanjye gutera imbere. Ndashimira SME Response Clinic n’abafatanyabikorwa bayo kuba barateguye ubu bukangurambaga no kuba batekereza ku bigo by’ubucuruzi buto.” 

Ikigo cy’ubucuruzi buto cyatsinze muri buri cyiciro kizahabwa igihembo cy’amafaranga y’u Rwanda angana na miliyoni imwe (1,000,000) yakwifashishwa mu bucuruzi bwabo, ndetse na serivisi z’ubujyanama zitangwa n’inzobere mu bijyanye n’ubucuruzi nta kiguzi. Icyiciro cy’ubucuruzi bwatsinze ku mwanya wa kabiri kizahabwa inkunga yo gukurikirana amahugurwa atangwa n’Ikigo Nyafurika Kigamije Guteza Imbere Imiyoborere (AMI), yiswe “Komeza Utere Imbere – Survive to Thrive” aho ba rwiyemezamirimo bazamenya uko bahangana n’ibibazo bahura nabyo mu bucuruzi bakanahahurira n’abandi bacuruzi bo mu Rwanda no muri Afurika. 

Ibyerekeye SME Response Clinic 

Muri Gicurasi 2020, Access to Finance Rwanda (AFR) yafatanyije na Consumer Centrix hatangizwa icyiswe SME Response Clinic; ihuriro rifasha ba rwiyemezamirimo bagerageza guhangana n’icyorezo cyugarije isi cya COVID-19. SME Response Clinic igenera ba rwiyemezamirimo bo mu Rwanda bagerageza kumenyera imiterere y’ubucuruzi bwazanywe n’icyorezo cya COVID-19, amahugurwa, ubujyanama ku bigezweho, n’uburyo bw’icungamari. Ku bindi bisobanuro, wasura urubuga smeresponse.clinic 

Ibyerekeye Access to Finance Rwanda 

AFR yatangiye ibikorwa byayo muri 2010 ifite intego nyamukuru yo guteza imbere urwego rw’imari mu Rwanda. AFR igamije gukuraho inzitizi zo muri sosiyete tubamo zibuza abantu kubona serivisi zijyanye n’imari hibandwa ku bantu binjiza macye, cyane cyane abatishoboye n’abagore bo mu cyaro. AFR ishyigikira iterambere n’itangwa rya serivisi z’imari zirimo ubwizigame, gutanga inguzanyo, ubwishingizi, ubwishyu, no guhererekanya amafaranga. Ushobora kubona amakuru kuri AFR unyuze ku rubuga rwa afr.rw 

Ibyerekeye ConsumerCentriX 

ConsumerCentriX ni sosiyete y’inzobere mu bijyanye no gushyiraho ingamba ikorana n’abatanga serivisi z’imari n’abashyiraho za politiki. Iyo sosiyete ihindura ibitekerezo by’abaguzi mo ingamba na politiki zijyanye n’imiterere y’isoko hagamijwe kwegera abantu badakunze kubona izo serivisi. Icyo tugamije ni ugutanga ibisubizo bishobora guhinduka bigendeye ku bitekerezo bihamye bijyanye n’imibereho, ibikenewe, n’imbogamizi z’abantu badakunze kubona serivisi z’imari mu masoko agenda avuka hagamijwe kuzamura imibereho yabo no guhanga imirimo bateza imbere ubukungu. 

Aho wabariza amakuru 

Niba hari ibyo wifuza kubaza, andikira Nadege Nzeyimana, Inzobere mu bijyanye n’Ihererekanyamakuru muri AFR kuri nadege@afr.rw. 

Access to Finance Rwanda, ConsumerCentriX, and Partners Announce Winners of SME Response Clinic Business Awards 

  • Three diverse Rwandan businesses win inaugural SME Response Clinic Business Awards with Rwf 1,000,000 prize 
  • Winners selected from 1,200 nominations across the country 
  • Five runners-up awarded 6-month business skills course 

Access to Finance Rwanda and ConsumerCentriX today announced the winners of the inaugural SME Response Clinic Business Awards following the Twiteze Imbere campaign to recognise the role of small businesses in Rwanda’s road to recovery from the COVID-19 pandemic. 

Through the campaign, the general public nominated their favourite small businesses, giving their nominees the chance to win an SME Response Clinic Business Award. The competition featured three categories: women-owned businesses, start-up or innovative businesses, and established businesses. Rwandans made online nominations via the SME Response Clinic website and over the phone. 

The three winning small businesses and five runners-up were selected from among 30 shortlisted companies after careful and thorough deliberation. Access to Finance Rwanda and ConsumerCentriX are pleased to announce that the winners and runners-up are: 

  • Women-owned business category: 
    1. Winner: Kurema Kureba Kwiga, a public-arts social enterprise located in Kigali 
    2. Runner-up: Kicirwanda, an art and craft store based in Kigali 
  • Startup/Innovative business category: 
    1. Winner: HADI Constructions, a construction consulting firm based in Nyagatare District 
    2. Runners-up: Bhiku Bakery from Rwamagana District and Johnson’s Bakery from Kicukiro District 
  • Established business category: 
    1. Winner: Umucyo Company, a liquid soap manufacturer based in Kirehe District 
    2. Runners-up: Blessed Garden, a female-owned guest house based in Kayonza District, and Crema, a coffee shop located in Musanze District 

The awards come as a result of the SME Response Clinic campaign ‘Twiteze Imbere’ (Let’s Move Forward Together), which celebrated the resilience of small businesses and recognised their contribution to Rwanda’s economic recovery. The SME Response Clinic is a platform developed by Access to Finance Rwanda and ConsumerCentriX in collaboration with the Private Sector Federation, the Association of Microfinance Institutions in Rwanda, African Management Institute, New Faces New Voices Rwanda, and Rwanda Bankers’ Association. 

“Congratulations to the winners and runners-up of the SME Response Clinic Business Awards. In just a few weeks, we received 1,200 nominations from across the country. We were pleased to see great diversity among the nominated small businesses, enthusiasm from their customers, and the impact they are having in their communities on our journey of COVID-19 recovery,” said Jean Bosco Iyacu, Country Director, Access to Finance Rwanda. 

“We are grateful to everyone who took part in the Twiteze Imbere campaign, partner institutions as well as media partners who helped us spread the word. It’s rewarding to see the SME Response Clinic reaching small businesses in every corner of this country and we will continue to support them in these difficult times and beyond,” he added. 

“I am honoured and excited to be one of the winners of the SME Response Clinic Business Awards. This award recognises the important role of the creative industry in the economy and the prize money will support my business to grow. Thank you to the SME Response Clinic and its partners for organising this campaign and for looking out for small businesses,” said Judith Kaine, Director of Kurema Kureba Kwiga, one of the winning businesses. 

The winner in each category receives a cash prize of Rwf 1,000,000 to invest in their business as well as expert advisory services. Runners-up will be sponsored to participate in the African Management Institute‘s Survive to Thrive programme where they will learn how to navigate business challenges and network with other entrepreneurs in Rwanda and across Africa. 

About the SME Response Clinic 

In May 2020, Access to Finance Rwanda (AFR) partnered with ConsumerCentriX to launch the SME Response Clinic – a platform that supports entrepreneurs in Rwanda struggling in the face of the COVID-19 pandemic. The SME Response Clinic provides access to training, industry insights, and financial management advice to entrepreneurs in Rwanda struggling to adjust to the economic realities of COVID-19. Access the platform at smeresponse.clinic 

About Access to Finance Rwanda 

AFR began its operations in 2010 with the core objective of stimulating the development of the financial sector in Rwanda. AFR’s intention is to remove the systemic barriers that hinder access to financial services by putting low-income people particularly the rural poor and women at the centre of its interventions. AFR supports the development and provision of financial services including savings, credit, insurance, payments, and remittances. Learn more at afr.rw. 

About ConsumerCentriX 

ConsumerCentriX is a strategy consulting firm that works with financial service providers and policymakers on translating consumer insights into market strategies and policies to reach the un/underserved. Our mission is to develop scalable solutions that are based on deep insights into the lives, needs, and constraints of un/underserved people in emerging markets to improve their livelihoods and create opportunities for economic growth. 

Media Contact 

For any enquiries, write to Nadege Nzeyimana, AFR Communications Consultant, at nadege@afr.rw. 


Radio show I Uruhare rw’Ibigo by’Ubucuruzi Buto mu Rugendo rwo Kuzahura Ubukungu

Uruhare rw’Ibigo by’Ubucuruzi Buto mu Rugendo rwo Kuzahura Ubukungu

Kuwa 18 Werurwe 2021,  SME Response Clinic yatangije ubukangurambaga bwa Twiteze Imbere bugamije kwishimira uruhare Ibigo by’ubucuruzi bito n’ibiciriritse bifite mu rugamba rwo kuzahura ubukungu bwazahajwe n’Icyorezo cya COVID-19 mu Rwanda. Ubwo bukangurambaga bwatewe inkunga n’abafatanyabikorwa ba SME Response Clinic n’abatanga serivisi z’iterambere ry’ubucuruzi harimo Ikigo cy’igihugu gishinzwe amakoperative, kwihangira imirimo, n’ibigo by’imari iciriritse (RICEM).

Muri ubwo bukangurambaga, hakozwe  ikiganiro cyaciye  kuri radiyo gitangwa na Esperance Niyitegeka, ukuriye gahunda y’amahugurwa muri RICEM na Angelique Uwimana, rwiyemezamirimo ukora mu kigo cy’ubudozi  cyanyuze muri gahunda y’amahugurwa ya RICEM. Esperance yasobanuye mu buryo burambuye ibijyanye n’ubukangurambaga anashimangira uruhare ibigo by’ubucuruzi bito n’ibiciriritse bigira mu kazahura ubukungu bwazahajwe na COVID-19 mu Rwanda harebwa uruhare rwa byo mu misoro igihugu cyinjiza.  Angelique kandi yashishikarije ba rwiyemezamirimo b’abagore kugira uruhare muri ubu bukangurambaga bagerageza amahirwe yabo yo kubona igihembo cyabafasha  kongera imari yabo; izabafasha guteza imbere ubucuruzi bwabo.

Kanda hano maze wumve icyo kiganiro!

The role of SMEs in the road to recovery

On 18th March 2021, the SME Response Clinic launched the Twiteze Imbere campaign to recognize and celebrate the role SMEs play in Rwanda’s road to recovery from the COVID-19 pandemic. The campaign was supported by the partners of the SME Response Clinic and business development service providers, including the Rwanda Institute of Cooperatives, Entrepreneurship, and Microfinance (RICEM) 

During the campaign, a radio show was conducted featuring Esperance Niyitegeka, a lead trainer at RICEM and Angelique Uwimana, an entrepreneur involved in the tailoring business that had gone through RICEM’s training program. Esperance gave a detailed overview of the campaign and highlighted the role SMEs play in Rwandas recovery from COVID-19, sighting their contribution to taxes. Angelique also encouraged women entrepreneurs to participate in the campaign to stand a chance to win and increase their capital, which would help them develop their businesses.  


Leta y’u Rwanda yashyize ahagaragara ibyemezo bishya byo kurwanya COVID-19.

Leta y’u Rwanda yashyize ahagaragara  ibyemezo bishya byo kurwanya COVID-19.  

Kuwa 14 Mata 2021, Leta yashyize ahagaragara ibyemezo bishya byo kurwanya COVID-19. Ingendo  hagati ya Kigali n’izindi ntara n’uturere bizakomeza harimo Bugesera, Nyanza na Gisagara. Ingendo zirabujijwe hagati ya saa tatu z’ijoro na saa kumi za mu gitondo usibye mu Ntara y’Amajyepfo mu turere twa Ruhango, Nyanza, Huye, Gisagara, Nyaruguru na Nyamagabe aho ingendo zibujijwe hagati ya saa moya z’ijoro na saa kumi za mu gitondo kubera izamuka ry’ubwandu bw’icyorezo cya COVID-19.

Serivisi za Leta zizakomeza gukoresha gusa abakozi ba ngombwa batarenze 30% by’abakozi bose zishobora gukoresha. Ibigo by’ubucuruzi by’abikorera nabyo bizakomeza gukoresha abakozi ba ngombwa batarenze 50% by’abakozi bose bishobora gukoresha. Amasoko akorera mu mazu manini kimwe n’amasoko asanzwe azakomeza gukora ; abayacururizamo bagurisha  ibicuruzwa by’ingenzi kandi ntibagomba kurenga 50% by’abemerewe gucururiza muri bene ayo masoko banditse. Amaresitora n’aho bafatira amafunguro bizakomeza gukora kugeza ku kigero cya 50% cy’ubushobozi bw’abakiriya bishobora kwakira kandi bigomba gufunga saa mbiri z’ijoro,  naho gutwara ibintu bizajya bikora kugeza saa tatu z’ijoro.

Imodoka zitwara abagenzi n’izitwara abantu ku giti cyabo zizakomeza gukora ariko za bisi ntabwo zemerewe gutwara abantu barenze 50% by’ubushobozi bwazo. Ba nyir’amabisi basabwa kubahiriza amabwiriza yo guhana intera hagati y’umuntu n’undi kandi bagatwara mu mabisi yabo gusa abantu bambaye udupfukamunwa. Inama zihuza abantu zizakomeza kujya zikorwa ariko abazitabira ntibagomba kurenga 30% by’ubushobozi bw’ahantu izo nama zikorerwa. Ku bijyanye n’inama zihuza abantu barenze 20, abazitabira bagomba kuba baripimishije COVID-19.

Ubukerarugendo buzakomeza hubahirizwa cyane ingamba zo kwirinda COVID-19, harimo amahoteri, abatembereza abantu mu gihugu na serivisi zo gutwara abantu zifasha abashyitsi. Ba mukerarugendo n’abatanga serivisi bagomba kumenyesha  RDB ibijyanye n’inzira bazanyuramo. Ikibuga cy’indege mpuzamahanga cya Kigali kizakomeza gukora, ariko abagenzi binjira mu gihugu bagomba kwerekana ibisubizo by’ibizami bigaragaza ko batanduye indwara ya COVID-19 byafashwe  hakoreshejwe ibizami bya PCR mu masaha 72 mbere y’uko bahaguruka mu bihugu baturutsemo kandi bakagomba kubahiriza amabwiriza yo kwirinda ubwandu. Abagenzi bava mu Rwanda bagomba kwerekana  ibisubizo by’ibizami bigaragaza ko batanduye indwara ya COVID-19 byafashwe  hakoreshejwe ibizami bya PCR mbere yo kugenda.

Siporo zikorwa n’umuntu ku giti cye n’izikorerwa hanze abantu badakoranaho zizakomeza ariko hubahirizwa amabwiriza ya Minisiteri ya Siporo. Amazu akorerwamo siporo, ibikorwa bijyanye n’imikino, ndetse n’ibigo byo kuruhukiramo bizakomeza gufungwa.

Leta y’u Rwanda izasohora ingamba nshya zo kwirinda COVID -19 mu minsi 15.

April 14th 2021

On 14th April 2021, the government announced new preventive measures for COVID-19. Movement between Kigali and other provinces and districts will continue, including Bugesera, Nyanza and Gisagara. Movements are prohibited between 9 pm-4 am except for south region in the districts of Ruhango, Nyanza, Huye, Gisagara, Nyaruguru and Nyamagabe, where movements are prohibited between 7pm-4am due to a rise in the cases of infection.  

Public offices will continue to operate with only essential staff not exceeding 30% capacity. Private businesses will also continue to work with only essential staff not exceeding 50% capacity. Malls and markets will continue with vendors providing critical products and will not exceed 50% mall and market capacity of registered vendors. Restaurants and cafés will continue operations with a 50% occupancy limit, closing by 8 pm with deliveries operating till 9pm.  

Public and private transport will continue with not more than 50% capacity for buses. Bus operators will be required to maintain social distancing and only allow passengers with masks. Physical meetings will continue not exceeding 30% venue capacity. Physical meetings of more than 20 people will require participants to have been tested for COVID-19. 

Tourism will continue with strict adherence to COVID-19 health measures, including hotels, tour operators and transport services facilitating guests. Tourists and service providers must inform RDB of itineraries. Kigali’s international airport will remain open, but arriving passengers must present a negative PCR within 72 hours before the first departure and must comply with health guidelines. Departing passengers must show negative PCR results before departure.  

Individual and non-contact outdoor sports will continue while following the Ministry of Sports guidelines. Gyms, gaming activities, and recreational centers will remain closed. 

The government of Rwanda will update COVID-19 preventive measures after 15 days. 

March 29th 2021

On 29th March 2021, the government announced new preventive measures for COVID-19. Movement between Kigali and other provinces and districts will continue including Bugesera, Nyanza and Gisagara. Movements are prohibited between 9pm-4am except for south province in the districts of Ruhango, Nyanza, Huye, Gisagara, Nyaruguru and Nyamagabe where movements are prohibited between 7pm-4am due to a rise in the cases of infection.

Public offices and private business will resume with only essential staff not exceeding 30% capacity. Malls and markets will continue with only vendors providing essential products and will not exceed 50% mall and market capacity of registered vendors. Restaurants and cafés will continue operations with a 30% occupancy limit, closing by 8pm with deliveries operating till 9pm.

Public and private transport will continue with not more than 50% capacity for buses. Bus operators will be required to maintain social distancing and only allow passengers with masks.

Tourism will continue with strict adherence to COVID-19 health measures, including hotels, tour operators and transport services facilitating guests. Tourists and service providers must inform RDB of itineraries. Kigali’s international airport will remain open but arriving passengers must present a negative PCR within 72 hours before the first departure and must comply with health guidelines. Departing passengers must present negative PCR results before departure.

Individual and non-contact outdoor sports will continue while following guidelines from the Ministry of Sports. Gyms, gaming activities, and recreational centers will remain closed.

The government of Rwanda will update COVID-19 preventive measures after 15 days.

March 15th 2021

On 15th March 2021, the government issued new preventive measures for COVID-19. Movement between Kigali and other provinces and districts has been resumed except for Bugesera, Nyanza and Gisagara with curfew starting from 9pm-4am. Specific guidelines will be issued for the three districts by the Ministry of Local Government.

Public offices and private business will resume with only essential staff not exceeding 30% capacity, closing at 6pm. Malls and markets will continue with only vendors providing essential products and will not exceed 50% mall and market capacity of registered vendors. Restaurants and cafés will continue operations with a 30% occupancy limit, closing by 8pm with deliveries operating till 9pm.

Public and private transport will continue with not more than 75%% capacity for buses. Bus operators will be required to maintain social distancing and only allow passengers with masks.

Tourism will continue with strict adherence to COVID-19 health measures, including hotels, tour operators and transport services facilitating guests. Tourists and service providers must inform RDB of itineraries. Kigali’s international airport will remain open but arriving passengers must present a negative PCR within 72 hours before the first departure and must comply with health guidelines. Departing passengers must present negative PCR results before departure.

Individual and non-contact outdoor sports will continue while following guidelines from the Ministry of Sports. Gyms, gaming activities, and recreational centers will remain closed.

The government of Rwanda will update COVID-19 preventive measures after 15 days.

February 19, 2021

On 19th February 2021, the government issued new preventive measures for COVID-19. The issued measures will take effect nation-wide effective 23rd February 2021. Movement between Kigali and other provinces and district remains restricted with curfew starting from 8pm-4am. Public offices and private business will resume with only essential staff not exceeding 30% capacity, closing at 6pm. Malls and markets will open with only vendors providing essential products and will not exceed 50% mall and market capacity of registered vendors. Restaurants and cafés will resume operations with a 30% occupancy limit, closing by 6pm and deliveries operating till 8pm.

Public and private transport will continue with not more-than 75% capacity for buses. Bus operators will be required to maintain social distancing and only allow passengers with masks. Motorcycles and bicycles will also resume operations while observing strict hygiene.

Tourism will continue with strict adherence to COVID-19 health measures, including presenting a negative COVID-19 test for traveling tourists and informing RDB of itineraries. Kigali’s international airport will remain open but arriving passengers must present a negative PCR within 72 hours before the first departure and self-quarantine for seven days, taking a PCR test at the end of this period. Departing passengers must present negative PCR results before departure.

Individual and non-contact outdoor sports will resume while following guidelines from the Ministry of Sports. Gym, gaming activities, and recreational centers will remain closed.

The government of Rwanda will COVID-19 preventive measures after 15 days.

February 2, 2021

On 2nd February 2021, the government issued new preventive measures for COVID-19 with specific measures for the city and Kigali and different measures for the rest of the districts. The current lockdown in the city of Kigali will prevail till 7th February 2021, after which movements are permitted only between the hours of 4 am and 7 pm. Private businesses will resume with only 30% capacity of employees working from offices while other employees working from home, closing at 5pm. Malls and markets will open with only vendors providing essential products and will not exceed 50% mall and market capacity. Restaurants and cafes may provide takeaway services only.

Public and private transport in Kigali not 50% capacity for buses. Bus operators will be required to maintain social distancing and only allow passengers with masks. Motorcycles and bicycles will also resume operations while observing strict hygiene.

Tourism will continue with strict adherence to COVID-19 health measures, including presenting a negative COVID-19 test for traveling tourists and informing RDB of itineraries. Kigali’s international airport will remain open but arriving passengers must present a negative PCR within 72 hours before the first departure and self-quarantine for seven days, taking a PCR test at the end of this period. Departing passengers must present negative PCR results before departure.

Preventive measures for the rest of the country include the prohibition of movements from 4 am to 7 pm. For the hospitality industry, social gatherings and events are all prohibited, and public gyms and swimming pools are restricted from the public.

The government of Rwanda will COVID-19 preventive measures after 15 days.

January 20, 2021

Given an increase in COVID-19 cases, the government of Rwanda has issued new preventive measures to curb its spread. Preventive measures for Kigali include the prohibition of movements of unnecessary movements including visits outside of homes except for essential services including medical/healthcare, food shopping, and banking. All other movements will require an approved permit from the Rwanda National Police. Travel between Kigali and other provinces and districts has been restricted with for the exception of travel for essential services and tourism, whereby tourists must possess a negative COVID-19 test.

Public transport has been halted with exception of transportation of food and other essential services. Businesses involved in farming will continue to operate for the ongoing agricultural season while observing COVID-19 control measures. All businesses must be closed except those selling food, pharmacies, cleaning products, which may operate at 30% capacity and close by 6 pm. Restaurants and cafes may provide takeaway only.

Preventive measures for the rest of the country include the prohibition of movements from 4 am to 6 pm. For the hospitality industry, social gatherings and events are all prohibited and public gyms and swimming pools shall be restricted from the public.

COVID-19 preventive measures are reviewed every 15 days.

To read more about the Cabinet’s communication, visit: Cabinet Communique 18TH January 2021

January 7, 2021

With an increasing number of COVID-19 infections, the government of Rwanda has issued new preventive measures. Key measures introduced include the prohibition of movements of persons from 8 pm to 4 am. The cabinet also resolved that business establishments including shops, restaurants, markets, and malls must close business operations by 6 pm. Public and private transport between Kigali and other districts is prohibited except for domestic and international tourists that present negative COVID-19 test results and vehicles transporting goods with not more than two people on board.

Specifically for the hotel/hospitality industry, social gatherings and events including hosting of wedding ceremonies, receptions, meetings, and conferences have been prohibited. Public gyms and swimming pools are restricted from public use with the exception of hotel guests with negative COVID-19 test results.

COVID-19 preventive measures are reviewed every 15 days.

To read more about the Cabinet’s communication, visit: Cabinet Communique 4th January 2021


Menya Ubukanguramabaga bwa Twiteze Imbere na SME Response Clinic

Menya Ubukanguramabaga bwa Twiteze Imbere na SME Response Clinic

Kuwa 26 Werurwe 2021, SME Response Clinic yatangije ubukangurambaga bwa  Twiteze Imbere bugamije kwemera no kwishimira uruhare ibigo by’ubucuruzi bito n’ibiciriritse bigira mu rugamba rwo kuzahura ubukungu bwajahajwe n’Icyorezo cya COVID-19. Ubwo bukangurambaga bwatewe inkunga n’abafatanyabikorwa ba SME Response Clinic, barimo Ikigo Nyafurika cy’Icungamutungo (AMI), kizatanga amafaranga yo guhitamo abazahatanira igihembo gihabwa ikigo cy’ubucuruzi muri ubu bukangurambaga kugira ngo kibashe kwitabira Gahunda yayo ya Komeza Utere Imbere (Survive to Thrive). Gahunda iha abafite ibigo by’ubucuruzi ubumenyi ngiro, ibikoresho, n’ingamba zo guhangana n’ingorane no gutera imbere mu bihe bikomeye.

Umuyobozi w’AMI mu rwego rw’igihugu, Bwana Malik Shaffy Lizinde, yahawe umwanya kuri Radiyo Rwanda wo gukora ikiganiro cy’iminota 30 kuri gahunda y’Amahumbezi. Bwana Malik yavuze muri make ibijyanye n’ubwo bukangurambaga anasobanura mu buryo bwimbitse  uburyo ibigo by’ubucuruzi bito n’ibiciriritse bikwiye kwitabira iyi gahunda kugira ngo bibashe kubona miliyoni imwe y’amafaranga y’u Rwanda na serivisi z’ubujyanama bizahabwa n’inzobere.

Get to know the Twiteze Imbere Campaign and SME Response Clinic

On 26th March 2021, the SME Response Clinic launched the Twiteze Imbere campaign to recognize and celebrate the role SMEs play in Rwandas road to recovery from the COVID-19 pandemic. The campaign was supported by the partners of the SME Response Clinic, including the African Management Institute (AMI), which will be providing sponsorship to select runners-up of the campaign’s Business Awards competition to participate in its Survive to Thrive programme. The programme equips business owners with the skills, tools, and strategies to navigate challenges and thrive in difficult times.   

AMI’s country director, Malik Shaffy Lizinde, was featured on Radio Rwanda for a 30-minute discussion on the Amahumbezi program. Malik gave a detailed overview of the campaign and highlighted how SMEs could engage with the campaign to stand a chance to win 1 million Rwandan Francs and expert advisory services.  


Uburyo butatu bwo kumenyereza umukozi akazi 

Uburyo butatu bwo kumenyereza umukozi akazi  

Nk’umuntu ufite ibikorwa by’ubucuruzi bito, uhora ushakisha buri gihe uburyo bwo kunoza ibikorwa byawe no kongera umusaruro. Niba ufite abakozi, ni kimwe mu bintu by’ingenzi bigize ubucuruzi bwawe kandi ukumenyera akazi kwa bo ni ingenzi cyane kugira ngo ubwo bucuruzi  burusheho kugenda neza. Uhereye kuri ibyo ngibyo, dore uburyo butatu bwagufasha kumenyereza abakozi bawe akazi  

1. Koresha politiki y’urugi rufunguye 

Politiki y’urugi rufunguye bisobanura ko uganira n’abakozi bawe nta mbereka. Ganira n’abakozi bawe mu buryo butaziguye, ubabaze icyo batekereza n’ibigomba gukorwa kandi nawe ushyireho akawe. Ibi bituma abakozi barushaho gushishikarira gukora (morale) kandi bakabasha no kuvuga ibitekerezo byabo mu bwisanzure. Bashobora no kukungura ibitekerezo byatuma ubucuruzi bwawe burushaho kugenda neza. Ibi bizana umwuka mwiza mu kazi bigatuma abakozi bongera umusaruro ari nako bishimangira umubano mwiza ku kazi  

2. Imenyereze kujya uhindura imitunganyirize y’akazi igihe bibaye ngombwa. 

Gutunganya akazi mu buryo bushobora guhinduka igihe ari ngombwa bigenda biba uburyo bukurikizwa mu bikorwa by’ubucuruzi byinshi mu nzego zose. Udukorwa dusanzwe nko gufata ikiruhuko abantu basangira ikawa cyangwa kubaha ikiruhuko kugira ngo babashe gukemura ibibazo byihutirwa cyangwa ibibazo byo mu muryango bishobora gutuma imiterere y’ubuzima bwo ku kazi bw’umukozi ijyana neza n’ireme ry’ubuzima. Gutunganya akazi muri ubwo buryo bituma gusiba ku kazi bya hato na hato bigabanuka, umusaruro ukiyongera ndetse n’abakozi bakarushaho kuba indahemuka  

3. Bwira abakozi bawe icyerekezo nyamukuru cy’ubucuruzi bwawe 

Nk’umuntu ufite ibikorwa by’ubucuruzi bito, uhora buri gihe ushakisha uko ubwo bucuruzi bwakwaguka. Ganiriza abakozi bawe ibyerekeranye n’imigambi y’ibihe biri imbere ufitiye ubucuruzi bwawe  kandi utege amatwi wumve ibitekerezo byabo. Nutega amatwi ibitekerezo byabo, bazumva bahawe agaciro, ibyo bikazatuma barushaho kwitangira akazi kabo  

Ibikorwa by’ubucuruzi hafi ya byose biri hafi yo kongera gukora mu Rwanda; shaka uburyo bwo gushyira izi nama mu bikorwa maze harusheho kuza umwuka mwiza mu kazi; ibyo bizatuma abakozi bawe bumva bafite agaciro noneho bafashe ubucuruzi bwawe gutera imbere!   


e-Commerce Webinar Kwinjiza Ibigo by’ubucuruzi bito n’ibiciriritse byo mu Rwanda mu bucuruzi bukoresha ikoranabuhanga: Amahirwe n’inzitizi zirimo

Kwinjiza Ibigo by’ubucuruzi bito n’ibiciriritse byo mu Rwanda mu bucuruzi bukoresha ikoranabuhanga: Amahirwe n’inzitizi zirimo. 

Kuwa 30 Werurwe 2021 saa cyenda z’amanywa  

Utumiwe mu kiganiro nyunguranabitekerezo kizakoreshwa na SME Response Clinic  hifashishijwe  ikoranabuhanga kikazakorwa hamwe n’abafatanyabikorwa b’ingenzi bakomoka mu nzego za Leta n’iz’abikorera zifite uruhare mu bucuruzi bukoresha ikoranabuhanga mu Rwanda.  Icyo kiganiro kizakorwa hakoreshejwe ikoranabuhanga kizaba kigamije  kungurana ibitekerezo ku bikorwa biriho byo kwinjiza ibigo by’ubucuruzi bito n’ibiciriritse mu mahuriro y’ibigo bikora ubucuruzi bikoresheje ikoranabuhanga kikazibanda ku mahirwe ibigo bito n’ibiciriritse bifite muri urwo rwego , inzitizi bihura nabyo, ndetse n’ibisubizo bishoboka bijyanye no gukuraho izo nzitizi.    

Icyo kiganiro kizanyura kuri paji ya Facebook ya SME Response Clinic; abazakitabira bakazabasha  kubaza ibibazo no gutanga ibitekerezo byabo kuwa 30 Werurwe saa cyenda z’amanywa mu rurimi rw’ikinyarwanda ahanini  

Uzayobora ikiganiro: Christophe Nkurunziza: Umuyobozi wa IHUZO PROJECT 

Abatumirwa 

  • Alex Ntale: Umuyobozi Mukuru wa ICT Chamber 
  • Albert Munyabugingo: Umuyobozi Mukuru wa Vuba Vuba 


SME Response Clinic yatangije ubukangurambaga bwo gushyigikira no kuzirikana uruhare rw’ibigo by’ubucuruzi bito mu kuzahura ubukungu bw’u Rwanda bwazahajwe n’ icyorezo cya COVID-19

Itangazo rigenewe abanyamakuru - Ririhutirwa

Kigali, Rwanda – kuwa 18 Werurwe 2021

SME Response Clinic yatangije ubukangurambaga bwo gushyigikira no kuzirikana uruhare rw’ibigo by’ubucuruzi bito mu kuzahura ubukungu bw’u Rwanda bwazahajwe n’ icyorezo cya COVID-19.

Ibitewemo inkunga na Access to Finance Rwanda, ConsumerCentriX, Urugaga rw’Abikorera mu Rwanda (PSF), Ishyirahamwe ry’Ibigo by’Imari Iciriritse Bikorera mu Rwanda (AMIR), Ikigo Nyafurika Kigamije Guteza Imbere Imiyoborere (AMI), New Faces New Voices Rwanda, n’Ishyirahamwe ry’Amabanki mu Rwanda, SME Response Clinic yatangije ubukangurambaga bugamije gushyigikira no kuzirikana uruhare rw’ibigo by’ubucuruzi bito byo mu Rwanda mu rugendo rwo rwo gusohoka mu bibazo byatewe n’icyorezo cyugarije isi cya COVID-19. SME Response Clinic ni ihuriro ryashyizweho muri 2020 kugira ngo rifashe ibigo by’ubucuruzi bito n’ibiciriritse gukemura ibibazo byatewe na COVID-19 bihabwa ibyangombwa bikeneye n’amahirwe yo kwiyungura ubumenyi.

Binyuriye kuri ubu bukangurambaga buzamara ibyumweru bitatu bwiswe ‘Twiteze Imbere’, buzaba bukumiyemo gusangira inkuru z’uburyo ibigo by’ubucuruzi buto byabashije guhangana n’ibihe bikomeye turimo. Nanone, ba rwiyemezamirimo na ba nyir’ibigo by’ubucuruzi bitandukanye bazashishikarizwa kwitabira gahunda za SME Response Clinic, hanatangwe agashimwe ku bigo by’ubucuruzi byagaragaje ubudasa.

Mu gihe cyose ubu bukangurambaga buzamara, abantu bose muri rusange hamwe n’abafite ibigo by’ubucuruzi bazahabwa umwanya wo guhitamo ibigo by’ubucuruzi bito bizahabwa agashimwe na SME Response Clinic. Ibigo bizatoranywa bigomba kuba biri mu cyiciro cy’ibigo biyoborwa n’abagore, icy’ibigo by’ubucuruzi bikiyubaka cyangwa ibifite udushya hamwe n’ibigo byamaze gukomera. Gutanga amazina y’ibigo bizatoranywamo ibizahembwa bizatangira kuwa 18 Werurwe bisozwe kuwa 2 Mata 2021.

Ikigo cy’ubucuruzi kizatsinda muri buri cyiciro kizahabwa igihembo cy’amafaranga y’u Rwanda angana na miliyoni imwe (1,000,000) yakwifashishwa mu bucuruzi bwabo, hakiyongeraho guhabwa serivisi z’ubujyanama n’inzobere mu bijyanye n’ubucuruzi nta kiguzi. Icyiciro cy’ubucuruzi buzatsinda ku mwanya wa kabiri kizahabwa inkunga yo gukurikirana amahugurwa atangwa n’Ikigo Nyafurika Kigamije Guteza Imbere Imiyoborere (AMI), yiswe “Komeza Utere Imbere – Survive to Thrive”. Binyuze kuri ayo mahugurwa, ba rwiyemezamirimo bazunguka ubuhanga, bahabwe ibikoresho byabugenewe, bige n’ingamba zabafasha guhangana n’ibibazo bagakomeza gutera imbere muri ibi bihe bikomeye byatewe n’icyorezo cya COVID-19. Nanone, bazahahurira n’abandi bacuruzi bo mu Rwanda no muri Afurika.

Mu gusobanura iby’ubu bukangurambaga, Jean Bosco Iyacu, umuyobozi wa Access to Finance mu Rwanda, aragira ati: “Ibigo by’ubucuruzi bito ni urutirigongo rw’ubukungu bw’u Rwanda kandi biha akazi abantu hafi ya bose mu Rwanda hose. Ubukangurambaga bwiswe ‘Twiteze Imbere’ bugamije kuzirikana icyo kintu no gushyigikira uruhare rwa byo mu gufasha u Rwanda kwikura mu bibazo by’ubukungu byazanywe n’icyorezo cyugarije isi cya COVID-19. Ndashishikariza Abanyarwanda bose guhitamo ibigo by’ubucuruzi bito byujuje ibisabwa bityo bizahabwe ibihembo byagenewe na SME Response Clinic nk’uburyo bukomeye bwo kugaragaza ko bishyikigiwe mu ruhare bigira mu buzima bwacu bwa buri munsi.”

Naho Anna Gincherman, umufatanyabikorwa wo muri ConsumerCentrix aragira ati: “Tunejejwe no gutangiza ubu bukangurambaga bugamije kwishimira uburyo ba rwiyemezamirimo bo mu Rwanda bakoze iyo bwabaga ntibaheranwe n’ibihe bikomeye turi gucamo. Ibihembo bizatangwa na SME Response Clinic ni uburyo bumwe bwo guha icyubahiro no gutera ingabo mu bitugu ibigo by’ubucuruzi bito byabereye abaturage inkingi ya mwamba mu gihe cy’icyorezo cya COVID-19.”

Ku bindi bisobanuro kuri ubu bukangurambaga n’uko watora ikigo cy’ubucuruzi gito gikwiye guhabwa agashimwe, jya ku rubuga www.smeresponse.clinic/awards cyangwa uhamagare 0781024420.

Ibyerekeye SME Response Clinic

Muri Gicurasi 2020, Access to Finance Rwanda (AFR) yafatanyije na Consumer Centrix hatangizwa icyiswe SME Response Clinic; ihuriro rifasha ba rwiyemezamirimo bagerageza guhangana n’icyorezo cyugarije isi cya COVID-19. SME Response Clinic igenera ba rwiyemezamirimo bo mu Rwanda bagerageza kumenyera imiterere y’ubucuruzi bwazanywe n’icyorezo cya COVID-19, amahugurwa, ubujyanama ku bigezweho, n’uburyo bw’icungamari. Ku bindi bisobanuro, wasura urubuga smeresponse.clinic

Ibyerekeye Access to Finance Rwanda

AFR yatangiye ibikorwa byayo muri 2010 ifite intego nyamukuru yo guteza imbere urwego rw’imari mu Rwanda. AFR igamije gukuraho inzitizi zo muri sosiyete tubamo zibuza abantu kubona serivisi zijyanye n’imari hibandwa ku bantu binjiza make, cyane cyane abatishoboye n’abagore bo mu cyaro. AFR ishyigikira iterambere n’itangwa rya serivisi z’imari zirimo ubwizigame, gutanga inguzanyo, ubwishingizi, ubwishyu, no guhererekanya amafaranga. Ushobora kubona amakuru kuri AFR unyuze ku rubuga rwa afr.rw

Aho wabariza amakuru

Niba hari ibyo wifuza kubaza cyangwa ukeneye andi makuru, andikira musa.kacheche@consumercentrix.ch cyangwa wandikire Emile Ndayambaje, Umuyobozi ushinzwe ihererekanyamakuru muri AFR kuri emile@afr.rw.page2image18272192 page2image18182528

SME Response Clinic Launches Campaign to Recognise the Role of Small Businesses in Rwanda’s COVID-19 Recovery

The SME Response Clinic, a platform powered by Access to Finance Rwanda and ConsumerCentriX in collaboration with the Private Sector Federation, the Association of Microfinance Institutions in Rwanda, African Management Institute, New Faces New Voices Rwanda, and Rwanda Bankers’ Association, has today launched a campaign to recognise and celebrate the role of small businesses in Rwanda’s road to recovery from the COVID-19 pandemic. The SME Response Clinic is a platform launched in 2020 to support small and medium-sized enterprises to overcome challenges brought about by COVID-19 through resources and learning opportunities.

The three-week campaign is called ‘Twiteze Imbere’ (Let’s Move Forward Together) and will share stories of small business resilience, encourage entrepreneurs and business owners to utilise SME Response Clinic resources, and celebrate exceptional businesses through the inaugural SME Response Clinic Business Awards.

Over the course of the campaign, the general public and other business owners will be invited to nominate their favourite small businesses for a SME Response Clinic Business Award. Nominations are open in the categories of women-owned businesses, start-up or innovative businesses, and established businesses. The winner in each category will receive a cash prize of one million Rwandan francs to invest in their business as well as expert advisory services. Nominations are open from 18 March until 2 April 2021. Selected runners-up will be sponsored to participate in the African Management Institute’s Survive to Thrive programme. Through this programme, business owners will be equipped with the skills, tools, and strategies to navigate challenges and thrive in difficult times, and network with other entrepreneurs in Rwanda and across Africa.

“Small businesses are the backbone of Rwanda’s economy and employ the vast majority of people across the country. The ‘Twiteze Imbere’ campaign celebrates this and recognises their contribution to Rwanda’s recovery from the pandemic. I encourage all Rwandans to nominate their favourite small business for the SME Response Clinic Business Awards as a great way to show support for local business and the role they play in our day-to-day lives,” said Jean Bosco Iyacu, Country Director, Access to Finance Rwanda.

“We’re delighted to launch this campaign to celebrate the tremendous resilience of entrepreneurs in Rwanda. The SME Response Clinic Business Awards are one way we hope to honor and further support the small businesses that have been pillars of the communities during the COVID-19 pandemic,” said Anna Gincherman, Partner, ConsumerCentriX.

Learn more about the campaign and nominate your favourite small business at www.smeresponse.clinic/awards or by calling 0781024420.

About the SME Response Clinic

In May 2020, Access to Finance Rwanda (AFR) partnered with ConsumerCentriX to launch the SME Response Clinic – a platform that supports entrepreneurs in Rwanda struggling in the face of the COVID-19 pandemic. The SME Response Clinic provides access to training, industry insights, and financial management advice to entrepreneurs in Rwanda struggling to adjust to the economic realities of COVID-19. Access the platform at smeresponse.clinic

About Access to Finance Rwanda

AFR began its operations in 2010 with the core objective of stimulating the development of the financial sector in Rwanda. AFR’s intention is to remove the systemic barriers that hinder access to financial services by putting low-income people particularly the rural poor and women at the centre of its interventions. AFR supports the development and provision of financial services including savings, credit, insurance, payments, and remittances. Learn more at afr.rw

Media Contact

For any enquiries or more information, write to musa.kacheche@consumercentrix.ch or reach out to Emile Ndayambaje, AFR Communications Manager, at emile@afr.rw.page2image18544704 page2image18544896


Guteza imbere ubumenyi mu micungire y’ibikorwa by’ubucuruzi mu gihe u Rwanda rwongeye gufungura ibikorwa by’ubucuruzi

Guteza imbere ubumenyi mu micungire y’ibikorwa by’ubucuruzi mu gihe u Rwanda rwongeye gufungura ibikorwa by’ubucuruzi

Kuwa 18 Gashyantare , 2021, saa cyenda  z’manywa

Itabire ibiganiro nyunguranabitekerezo bya  SME Response Clinic bizahita ako kanya bizibanda ku batanga serivisi z’iterambere ry’ubucuruzi mu Rwanda. Menya amahirwe ahari yo guteza imbere ubumenyi bwo gucunga umutungo mu gihe ibikorwa by’ubucuruzi byongeye gufungurwa mu Rwanda. Ibyo biganiro bizanyura ku rubuga rwa Facebook rwa SME Response Clinic kuwa 18 Gashyantare saa cyenda CAT; bikazakorwa mu rurimi rw’Ikinyarwanda.

Umuyobozi w’ibiganiro : Eric Musizana, Umukozi wa  Agriculture & Rural Finance Project, Access to Finance Rwanda

Abatumirwa:

  • Mukulira Olivier, Umuyobozi wa Rwanda Institute of Cooperatives, Entrepreneurship, and Microfinance
  • Sarah Rukundo, umuyobozi wa Westerwelle Startup Haus Kigali
  • Malik Shaffy Lizinde, umuyobozi wa African Management Institute, ishami ry’u Rwanda


AMI igiye guha ba rwiyemezamirimo 100 b’abagore bo muri Rwanda Chamber of Women Entrepreneurs amahugurwa ku bumenyi ngiro mu bijyanye n’ubucuruzi.

AMI igiye guha ba rwiyemezamirimo 100 b’abagore bo muri Rwanda Chamber of Women Entrepreneurs amahugurwa ku bumenyi ngiro mu bijyanye n’ubucuruzi.

Afican Management Institute (AMI) igiye guha ba rwiyemezamirimo 100 b’abagore amahugurwa ku bumenyi ngiro n’ibikoresho  mu bijyanye n’ubucuruzi binyuze mu masezerano y’ubufatanye azamara umwaka yagiranye na Rwanda Chamber of Women Entrepreneurs  ikorera mu Rugaga rw’Abikorera. Ayo mahugurwa azaba agamije gufasha ba rwiyemezamirimo b’abagore kuva mu ngorane  ubucuruzi bwabo bwatewe n’icyorezo cyugarije isi cya coronavirus binyuze mu mahugurwa na serivisi z’ubujyanama. Amahugurwa azahabwa ba rwiyemezamirimo b’abagore b’abanyamuryango ba Chamber of women entrepreneurs. Abazemererwa kujya muri ayo mahugurwa bazitabira gahunda z’amahugurwa y’AMI 2  ni ukuvuga amahugurwa yo gukomeza ibigo by’ubucuruzi n’amahugurwa ya gumya ubeho maze ukunguhare,ayo mahugurwa  akazibanda ku bumenyi bushya bwongereweho bwo gukemura ingorane zihariye ba rwiyemezamirimo b’abagore bahura nazo.

Kugira ngo wiyandikishe, sura urubuga:  https://www.africanmanagers.org/rwandabusinessbootcamp/

Niba ukeneye ibindi bisobanuro, ohereza ubutumwa bugufi (SMS) cyangwa ukoreshe Whatsapp kuri nomero ya telefoni: +250 787 339 435

Niba ukeneye andi makuru ku bijyanye n’abanyamuryango ba Rwanda Chamber of Women Entrepreneurs, saba ibisobanuro ukoresheje imeyili aderesi : marieolga@gmail.com cyangwa womenchamber.psf@gmail.com

AMI to offer 100 Female Entrepreneurs from Rwanda Chamber of Women Entrepreneurs with free business skills training.

The African Management Institute (AMI) is set to provide 100 female entrepreneurs with training in business skills and tools through a one-year partnership agreement signed with the Rwanda Chamber of Women Entrepreneurs operating under the Private Sector Federation. The training will aim to support female entrepreneurs to bounce back from the impact of the coronavirus pandemic on their businesses through training and advisory services. The training will be accessible to women entrepreneurs who have a membership with the Chamber of women entrepreneurs. Successful applicants will have access to two AMI training programs, Business Survival Bootcamp, and Survive to Thrive with new learning content added to address specific challenges faced by female entrepreneurs.

To apply, visit: https://www.africanmanagers.org/rwandabusinessbootcamp/

For more information, please contact: +250 787 339 435 via SMS or WhatsApp

For more information about the Rwanda Chamber of Women Entrepreneurs membership, contact: marieolga@gmail.com or womenchamber.psf@gmail.com