Hura na Mushiyimana Beatrice, Umunyamuryango wa KCB Bank Biashara

Hura na Mushimiyimana Beatrice, Umunyamuryango wa KCB Bank Biashara

SME Response Clinic  yaganiriye na Mushiyimana Beatrice, nyir’ubucuruzi buciriritse akaba n’umwe mu bagize KCB Bank Biashara Club, ku bijyanye n’ingaruka za Biashara Club ku bucuruzi bwe. Beatrice yerekanye inyungu nyinshi zo kuba umunyamuryango, harimo kubona amahugurwa no kubona inguzanyo ku gipimo cy’inyungu kigabanyije.

Kugira ngo umenye byinshi, reba videwo hanyuma usure KCB Bank Biashara Club wiyandikishe kugirango ube umunyamuryango wa Biashara Club.


Uruhererekane rwa Ubaka ufite ubuzima bwiza kurushaho : Ikiganiro kinyura kuri Radiyo  - Ubyumva Ute?

Uruhererekane rwa Ubaka ufite ubuzima bwiza kurushaho : Ikiganiro kinyura kuri Radiyo  – Ubyumva Ute?

Insanganyamatsiko : Gushyigikira imibereho myiza ya ba rwiyemezamirimo mu bihe bya COVID-19

Kuva icyorezo cya COVID-19 cyatera, imiryango n’ibigo binyuranye byafashe ingamba zikomeye zo gukumira ikwirakwira rya virusi yacyo. Izo ngamba zagize ingaruka ku bantu mu rwego rw’imitekerereze n’urw’imibereho myiza n’ubukungu. Mu bantu bagizweho  ingaruka cyane n’izo ngamba harimo abacuruzi na ba rwiyemezamirimo. Ingamba nko kuguma mu rugo no gufunga imipaka ndetse n’izindi zatumye ba rwiyemezamirimo batarabashaga gukomeza ibikorwa byabo cyangwa bakananirwa rwose gukomeza imirimo yabo ya buri munsi.

Kubera ko abacuruzi na ba rwiyemezamirimo bari gukora kugira ngo babashe kwikura mu ngorane zatewe n’icyo cyorezo, SME Clinic Response irashaka ko imibereho myiza ishyirwa imbere mu bigomba kwitabwaho kubera ko ari ingenzi gushyigikira ifatwa ry’ibyemezo n’ubushobozi bwa ba rwiyemezamirimo bwo gucunga ubucuruzi bwabo uko bikwiye.

Kubera iyo mpamvu, SME Response Clinic, ku bufatanye na Geruka Healing Center (GHC) izakoresha ikiganiro kizanyura kuri radiyo kuwa mbere tariki ya 18 Ukwakira 2021 saa moya za nimugoroba. Icyo kiganiro kizaba kitwa Gushyigikira imibereho myiza ya ba rwiyemezamirimo mu bihe bya COVID-19 kikazanyura mu kiganiro cya KT Radio Ubyumva Ute? Icyo kiganiro kizahuza inzobere mu by’imitekerereze na ba rwiyemezamirimo bakazaba baganira nazo ibyababayeho. Inzobere zizabagezaho ibijyanye n’imigenzereze ikwiye mu byerekeranye no kwiyitaho ubwabo hagamijwe  gushyigikira ibikorwa byabo bya buri munsi.

Intego z’ikiganiro kizanyura kuri radiyo:

  • Gukangurira ba rwiyemezamirimo n’abacurizi bafite ibigo by’ubucuruzi bito n’ibiciriritse ibyerekeranye n’imibereho myiza rusange bishobora gutuma barushaho kugira ubuzima bwiza.
  • Kureba ibibazo bijyanye n’imibereho myiza byugarije ba rwiyemezamirimo n’abacuruzi bafite ibigo by’ubucuruzi bito n’ibiciriritse byatewe n’icyorezo cya COVID-19.
  • Kungurana ubumenyi n’inama bwite ndetse n’ubumenyi ngiro ku byerekeranye no kwiyitaho n’uburyo bwo guhangana n’ibibazo abantu bagenda bahura nabyo umunsi ku wundi.
  • Gushyiraho urubuga rwo kunguraniramo ubumenyi rwigirwamo ibintu binyuranye bijyanye n’imigenzereze myiza yo guteza imbere imibereho myiza ya ba rwiyemezamirimo.
  • Gusangira amakuru ku bijyanye na serivisi z’ubufasha ziriho zihabwa abantu ku giti cyabo bafite

Umusaruro utegerejwe uzava muri icyo kiganiro:

  • Kurushaho kumenya ibibazo bijyanye n’imitekerereze n’imibereho myiza ba rwiyemezamirimo n’abacuruzi bato n’abaciriritse bagize bitewe na COVID-19.
  • Kurushaho kwiga no kungurana ibitekerezo hagati ya ba rwiyemezamirimo n’abacuruzi bato n’abaciriritse bakorera mu cyaro n’abakorera mu mijyi ku byerekeranye n’imigenzereze myiza ijyanye no kwita ku mibereho myiza mu gihe havutse ibibazo.
  • Kongerera ubushake ba rwiyemezamirimo n’abacuruzi bato n’abaciriritse bwo gushaka ubufasha mu bijyanye n’ubuzima bwo mu mutwe.
  • Kurushaho kumenya impamvu ari ngombwa guteza imbere ishami ryita ku mibereho myiza mu rwego rw’imitekerereze kuri ba rwiyemezamirimo bagitangira.

 

 


SME Response Clinic inejejwe no kubagezaho Ubaka ufite ubuzima bwiza kurushaho, uruhererekane ku mibereho myiza ya ba rwiyemezamirimo.

SME Response Clinic inejejwe no kubagezaho Ubaka ufite ubuzima bwiza kurushaho, uruhererekane ku mibereho myiza ya ba rwiyemezamirimo.

Kuva icyorezo cya COVID-10 cyatera, twese twagiye duhura n’ingorane mu buzima bwacu bwa buri munsi. Kuri ba rwiyemezamirimo, ingaruka z’icyorezo zigaragaje mu nzego ebyiri. Zahungabanyije  ubucuruzi bwabo kimwe n’ubuzima bwabo bwite. Muri SME Response Clinic, twumva ko mu gihe u Rwanda rwemereye ibigo by’ubucuruzi kongera gukora mu bushobozi bwabyo bwose n’iguhugu kiba kiri gutanga urukingo, ibintu biracyari kure yo kujya mu buryo “uko bikwiye.”

SME Response Clinic irabashimira ishyaka mwagize mucunga ubucuruzi bwanyu mu ngorane zatewe n’icyorezo. Turifuza kubashyigikira kubera ko murushaho kubaka neza. Nyuma y’ibingibi, tunejejwe no kubagezaho uruhererekane rwiswe Ubaka ufite ubuzima bwiza kurushaho; rukaba rugizwe n’uruhererekane runyura kuri radiyo, ibiganiro bikorwa mu buryo bw’ikoranbuhanga, ibiganiro, n’inyandiko zinyuzwa mu binyamakuru bibafasha nk’abantu bafite ibikorwa by’ubucuruzi ndetse nk’abantu ku giti cyabo.

Uruhererekane ruzatangizwa n’ikiganiro  kizanyura kuri radiyo gifite insanganyamatsiko igira iti : Ubaka ufite ubuzima kurushaho: Gushyigikira imibereho myiza ya ba rwiyemezamirimo mu bihe bya COVID-19 kizanyura mu kiganiro  cya Ubyumva ute cya KT Radio kizatambuka kuwa 18 Ukwakira 2021. Icyo kiganiro kizahuza inzobere mu bijyanye n’imitekereze zizaba ziganira na ba rwiyemezamirimo bahuye n’ingorane nyinshi mwahuye nazo. Ikiganiro kizanyura kuri radiyo kizakurikirwa n’ibiganiro bibiri bizakorwa hifashishijwe ikoranabuhanga n’ibiganiro na ba rwiyemezamirimo n’inzobere bizibanda ku mibereho myiza mu byiciro binyuranye by’abantu birimo urubyiruko, abagore, abacuruzi bagitangira, n’ibigo by’ubucuruzi  bikomeye ku buryo buri wese ashobora kuzagira icyo akuramo.  

Ibimenyetso byerekana ko imibereho myiza igira uruhare mu gufata ibyemezo neza, mu gukemura ibibazo, no mu guhanga udushya; ibyo byose bikagira ingaruka ku musaruro wa nyir’ikigo cy’ubucuruzi. Tugane rero ubu dutangije igikorwa cyiza cyo gushyigikira imbereho myiza ya ba rwiyemezamirimo!


KCB Bank,

SME Response Clinic iri gufatanya  na Banki ya KCB  

SME Response Clinic iri gufatanya  na Banki ya KCB  

SME Response Clinic yafatanyije  na Banki ya KCB Rwanda mu bikorwa byayo bikomeza byo kwegereza ba rwiyemezamirimo ibigo by’imari bitanga serivisi z’imari n’izitari iz’imari kugira ngo babashe gukemura ibibazo bafite muri ibi bihe bya COVID-19 na nyuma yayo.

Binyuze muri ubu bufatanye, ba rwiyemezamirimo bazajya babonera amakuru ku gihe ajyanye n’ibikorwa by’imari bya KCB na serivisi zitari iz’mari z’iyo banki nka Biashara Club itanga serivisi z’indobanure, amahugurwa, inama nyunguranabitekerezo ku bijyanye n’ubucuruzi, n’amahirwe yo guhuza abantu n’abandi. Binyuze muri ubwo bufatanye, abasura SME Response Clinic bazahabwa umurongo wa telefoni  bashobora gukoresha mu buryo butaziguye bavugana n’ikigo. Uwo murongo ni: +250788140000.

Tunejejwe n’amahirwe ubu bufatanye bushobora kugeza ku kigo cy’ubucuruzi cyawe kandi tubijeje ko  buri gihe tuzajya tubagezaho amakuru mashya ku bijyanye n’ibicuruzwa na serivisi za KCB!

The SME Response Clinic Partners with KCB Bank  

The SME Response Clinic has partnered with KCB Bank Rwanda as part of our ongoing efforts to bring entrepreneurs even closer to financial institutions that offer access to finance and non-financial services to meet business needs through COVID-19 and beyond.  

Through this partnership, entrepreneurs will have access to timely information on KCB Bank’s financial products as well as non-financial services such as KCB Bank’s Biashara Club, which features preferential offerings, trainings, business workshops, and networking opportunities. Through the partnership, SME Response Clinic visitors will also have a direct line to the institution at +250788140000. 

We are excited about the  opportunities this partnership can create for your businesses, and we look forward to providing you with regular updates on KCB Bank’s products and services! 


Inama  4 zagufasha gucunga ubucuruzi bwawe mu gihe hakiriho ingamba zo kuba abantu bategetswe kugera mu rugo mu masaha runaka

Inama  4 zagufasha gucunga ubucuruzi bwawe mu gihe hakiriho ingamba zo kuba abantu bategetswe kugera mu rugo mu masaha runaka

Icyorezo cya COVID-19 cyateje ibibazo byinshi, none imbogamizi zikiriho zifitanye isano n’ingamba zo kuba abantu bategetswe kugera mu rugo mu masaha runaka mu rwego rwo gukumira ikwirakwira ryacyo. Muri iki gihe, abantu ntibaba bemerewe kugenda kuva saa yine z’ijoro ukarangira saa kumi za mu gitondo. Ibi byahinduye cyane amasaha y’akazi n’imiterere y’uburyo abaguzi baguramo ibicuruzwa. Iyi ngamba ishobora kugutera ingorane nk’umucuruzi. Dore rero ibintu ugomba guhora wibuka:   

  • Menyesha abakiriya  bawe, abakozi bawe, n’abafatanyabikorwa bawe nk’abakugemurira ibicuruzwa  impinduka zigenda ziba muri gahunda z’akazi kawe. Shaka uburyo wajya ufungura ibikorwa by’ubucuruzi mbere kandi ubifunge hakiri kare kugira ngo abakozi n’abakiriya bawe babashe kugerera imuhira ku gihe kandi ibyo ni ubikora,ugomba kubibamenyesha wifashisije  uburyo bunyuranye bw’ihanahana makuru. Hamagara bamwe mu bakiriya bawe b’ingenzi, cyangwa utange ubutumwa ukoresheje Whatsapp cyangwa imbuga nkoranyambaga.   
  • Koresha neza serivisi zawe zo kugeza ku bantu ibicuruzwa byawe. Abakiriya  bawe bashobora kutabona umwanya wo kuza ku iduka ryawe kubera ko baba nabo bahuze bacunga akazi kabo, imiryango yabo n’ibikenewe mu ngo zabo, banita ku buzima bwabo. Shyiraho uburyo bwo kugemura ibicuruzwa byawe aho bakorera cyangwa mu ngo mu gihe kubikora bidahungabanya  umutekano.  
  • Niba ubishoboye, tekereza uburyo abakozi bawe bajya baza ku kazi basimburana. Kora ku buryo bose cyangwa bamwe muri bo bakorera mu ngo zabo kandi ubafashe kujyana n’uburyo bushya bwo gukora. Shaka uburyo wabaha ibikoresho by’akazi nka murandasi kugira ngo iborohereze akazi no guhanahanamakuru.  
  • Koresha cyane imbuga nkoranyambaga. Abantu bakoresha murandasi muri iki gihe kurusha mbere, bityo rero hari amahirwe agenda arushaho kwiyongera yo kugera ku bakiriya bashya n’abasanzwe ukoresheje uyu muyoboro. Dore zimwe mu nama zagufasha gutangira  iyamamazabikorwa rikoresha imbuga nkoranyambaga 

Ibitekerezo bishya? Bitumenyeshe? Bitugezeho mu bwisanzure unyuze kuri imeyili ikurikira:  musa.kacheche@consumercentrix.com 

Four tips to help you to manage your business with the ongoing curfew.

The COVID-19 pandemic has created much uncertainty, and an ongoing challenge is the curfew implemented as a preventative measure. Currently, the curfew starts at 8 pm and ends at 4 am. This has dramatically changed the working hours and consumption patterns of customers. This can create challenges for you as a business owner, so here are some things to keep in mind:  

  • Communicate changes in work schedules to your customers, employees and business partners like suppliers.  Consider  opening a bit earlier and closing sooner to allow both customers and employees to have more time to get home, and if you do, make sure you get that message out across various channels Call some of your main customers, or communicate through WhatsApp or social media.  
  • Tap into delivery services for your products. Your customers may not get time to visit your shop since they are also busy managing work, family and household needs, and  looking our for their health. Provide an option of delivering your products to their workplaces or homes where it is safe to do so.  
  • If you can, think about having employees come in to work in shifts. Have all or some of them work from home and support them to adjust to their new working environment. Consider providing them with work tools such as internet to facilitate their work and also communication. 
  • Get active on social media. People are spending more time on the internet than ever, so there is a growing opportunity to reach new and existing customers through this channel. Here are a few tips to kick start your social media marketing 

New ideas? Feedback for us? Feel free to share with us s at musa.kacheche@consumercentrix.com 


Ese byarakugoye gutandukanya ubuzima bwo ku kazi n’ubuzima bwo mu rugo kuva icyorezo cyatangira? Dore inama zafasha abacuruzi bato gushyiraho imbibi  z’ubuzima.

Ese byarakugoye gutandukanya ubuzima bwo ku kazi n’ubuzima bwo mu rugo kuva icyorezo cyatangira? Dore inama zafasha abacuruzi bato gushyiraho imbibi  z’ubuzima.

Kuva icyorezo cyatangira, ibigo by’ubucuruzi bito byahanganye n’ibibazo bitarangira byo guhagarika ibikorwa byabyo bitewe n’ingamba za guma mu rugo kimwe n’izindi ngamba zigamije gukumira ikwirakwira ry’icyorezo. Kuri byinshi mu bigo by’ubucuruzi, ibikorwa byabyo byagiye mu ikoranabuhanga, ibyo bigatuma bigomba kuba biri buri gihe ku murongo w’itumanaho amasaha 24 kuri 24 mu cyumweru cyose. Izi mpinduka zatumye bikomerera benshi mu bafite ibikorwa by’ubucuruzi gushyiraho imbibi hagati y’ubuzima bwo ku kazi n’ubuzima bwabo bwite; ibyo bikaba byagombye kuba urufunguzo rutuma ikigo cy’ubucuruzi gikora neza bikanazana umwuka wo kumva umuntu amerewe neza.   

Dore zimwe mu nama zagufasha gushyiraho imbibi z’ubuzima bwiza, ibyo bikagufasha guhorana ingoga, gukorana umurava, no gutanga umusaruro.

  • Niba ukora mu iduka cyangwa ahandi hantu, fata umwanya wo gutekereza uri mu nzira werekeza cyangwa uva mu bucuruzi bwawe. Benshi mu bacuruzi batangiye kugenda n’amaguru berekeza cyangwa bava mu rugo kugira ngo birinde ibibazo bijyanye no gutwara abantu n’urucucike rw’abantu. Koresha iki gihe neza wibaza ku byagenze neza uwo munsi, utekereza ku ngorane wahuye nazo n’uburyo wazikuyemo kandi unategura ibintu ugomba gutegereza imbere. Ibi bitekerezo by’akanya gato bishobora kugufasha kugumya kugenzura ibikorwa by’ubucuruzi bwawe, ukagumya kugira ibyiringiro bizima, ari nako bikubuza gutekereza cyane ku bibazo bijyanye n’akazi igihe uri mu rugo.  
  • Niba ukorera mu rugo, shyiraho amasaha y’akazi ko mu biro- teganya ibiruhuko byo gufatiramo amafunguro n’akaruhuko gato uri kure ya mudasobwa yawe cyangwa telefoni yawe. Inanure cyangwa utembere akanya gato nyuma ya buri saha cyangwa y’amasaha 2. Izi ntera zishobora gutuma utarangara bya hato na hato, ukanagabanya n’igihe gipfa ubusa. Imyitozo no gufata amafunguro ahoraho na byo ni ingenzi kugira ngo ubashe kugira ibitekerezo bitanga umusaruro.  
  • Gukorera mu rugo byahindutse ibintu abantu benshi badashobora kwirinda, kandi noneho ibyo bigatuma abantu bumva ko akazi gasimbura ubuzima bwo mu rugo. Mu rwego rwo kwirinda ibingibi, shyiraho ahantu hihariye ho gukorera. Gushyira akameza gato cyangwa ameza manini ahantu hihariye hagenewe gukorerwa gusa bishobora gutuma umuntu yumva yitaruye, ibyo kandi bikanamufasha kugaruka mu buzima bwe bwite igihe amaze gukora akazi k’umunsi. Ibyo binaha umuryango ikimenyetso cy’uko umuntu ari mu kazi bikanagabanya ibintu byose bishobora kumubuza gukora.

Nubwo ari nta n’imwe muri izi nama zakemura imbogamizi zo kugera ku gipimo gikwiye hagati y’akazi n’ubuzima ubwayo, kuzitabira ni umwanya mwiza wo gutangira. Tumenyeshe  uko zikora ku bikwerekeyeho wifashishije iyi imeyili:  musakacheche@consumercentrix.ch

Has it been tough to separate work and home life since the start of the pandemic? Here are tips for small business owners to create healthy boundaries.

 

Since the pandemic started, small businesses have dealt with ongoing disruptions in business activities caused by lockdowns and other preventative measures. For many, operations have gone virtual, which can lead to being online 24/7. These changes have made it hard for many business owners to set boundaries between work and personal life, which is key to a successful business and a sense of well-being.  

Here are a few tips to help you set healthy boundaries, which can help keep you energized, motivated, and productive.  

  • If you are working from a shop or other location, take time to reflect on your way to and from your business. Many business owners have begun walking to and from home to avoid transportation issues and crowding. Use this time well by asking yourself what went well for the day, thinking about any challenges you faced and how you responded to them and planning something to look forward to. This quick reflection can help you stay on top of your business activities, maintain a positive mindset, and avoid worrying about work when you are home.  
  • If you are working from home, set office hours—schedule breaks for meals and a quick break from your computer or phone. Stretch or take a short walk once every hour or two. These steps can make you less vulnerable to distractions, eliminating wasted time. Exercise and regular meals are also important to a productive mindset.  
  • Home offices have become inevitable for many, and unfortunately, can lead to feeling like work is taking over your home. To avoid this, create a designated space in your home to work. A small table or desk in a specific spot used just for work can create this sense of physical distance, making it easier to return to your personal life when the work day is done. It will also send a signal to your family that you are working and minimize the likelihood that you are disrupted. 

While none of these tips will solve the challenges of achieving a good work-life balance on their own, they are a strong place to start. Let us know how they work for you via this email musakacheche@consumercentrix.ch.

 

 


Ese wumva uremerewe n’ibibazo? Gerageza ukore uyu mwitozo muto wo guhumeka!

Ese wumva uremerewe n’ibibazo? Gerageza ukore uyu mwitozo muto wo guhumeka!

Icyorezo cya COVID-19 cyazanye ingorane  zinyuranye mu buzima bwacu. Nk’umucuruzi muto, ushobora kumva uremerewe n’ibibazo cyangwa ukaba utabona neza icyo ugomba gukora mu micungire y’ikigo cy’ubucuruzi. Icyorezo cyazanye n’izindi ngorane nshya kandi abantu benshi muri twe biri kubagiraho ingaruka.

Muri SME Response Clinic turi gutanga inama nke zifasha umuntu guhangana n’ikibazo cyo kumva aremerewe n’ibibazo no kutabona neza icyo  agomba gukora. Icya mbere ni umwitozo muto ushobora gufasha umuntu – iminota itageze kuri itanu, ntabwo usaba amafaranga, ushobora gukorerwa aho umuntu yaba ari hose, kandi nta bikoresho bidasanzwe umuntu akenera cyangwa ngo abe azi cyangwa atazi uko ukorwa.

Uyu mwitozo muto ukorwa umuntu yibanda ku buryo ahumeka; ibi bikaba ari uburyo bwagaragaye bufasha umuntu kubaganya ikibazo cyo kumva aremerewe n’ibibazo mu mubiri we. Dore mu buryo bworoshye uko bikorwa :

  • Shaka ahantu heza ushobora kuryama cyangwa kwicara wisanzuye. Funga amaso buhoro buhoro noneho witse umwuka incuro imwe cyangwa ebyiri. Humeka cyane winjiza umwuka mu mazuru kandi uwusohorera mu kanwa.
  • Humeka ku buryo busanzwe noneho wumve uburemere bw’umubiri wawe butsikamiye aho wicaye cyangwa uryamye.
  • Umva uko umubiri wawe umeze. Uhereye ku mutwe ukageza ku mano, tekereza uko wumva umubiri wawe umerewe. Ese urumva ufite amahoro? Ese urumva ugenda uzenguruka hirya no hino cyane? Ese urumva umerewe neza ? Ese urumva utamerewe neza?
  • Uko ugenda winjiza umwuka unawusohora, reka ibitekerezo bize kandi bisohoke. Niba hari igitekerezo kikurangaje, ongera nanone utekereze ku buryo wumva umubiri wawe umeze.
  • Nyuma y’iminota micyeya, ongera nanone ufungure amaso buhoro buhoro.

Bishobora kugaragara nk’ibintu byoroshye, ariko imyitozo yo guhumeka nk’iyingiyi izwiho gufasha abantu mu bihe bikomeye. Ishobora gutuma umuntu agira igihe gito cyo kumva aruhutse ibibazo bimuremereye  cyangwa akabasha kuruhuka ikibazo cyo kutabona neza ibigomba gukorwa, ibyo bikamufasha kurushaho gutekereza neza no gufata ibyemezo byiza byaba ibimwerekeyeho we ku giti cye , ibyerekeye ku muryango we, cyangwa ibyerekeye ku bucuruzi bwe.

Tumenyeshe niba ibi bikora neza kuri wowe utwandikira kuri imeyili ikurikira:  musa.kacheche@consumercentrix.ch!

Experiencing stress? Try this quick breathing exercise!

The COVID-19 pandemic has brought challenges in all aspects of our lives. As a small business owner, you may be used to the stress and uncertainty that come from running an enterprise. The pandemic has added new challenges to this, and many of us are feeling the effects.

At the SME Response Clinic, we are offering a few tools for dealing with stress and uncertainty. The first is a short exercise that may help – less than five minutes, it is free, can be done anywhere, and does not require any special tools or know-how.

The short exercise involves focusing on your breath, which is a proven way to lower stress in the body. Below is a simple guide:

  • Find a comfortable place to lie or sit down. Gently close your eyes and take two or three deep breaths. Breathe in through the nose and out through the mouth.
  • Allow the breath to return to its natural rhythm and feel the body’s weight press down where you are sitting or laying down.
  • Notice how the body feels. Starting at the top of the head, think about how your body feels from head to toe. Do you feel peaceful? Are you moving around a lot? Are you comfortable? Are you uncomfortable?
  • As you breathe in and out, allow thoughts to come and go. If you become distracted by a thought, return the attention to how your body feels.
  • After a few minutes, slowly open the eyes again.

It may seem simple, but breathing exercises like these are known to help in challenging times. They can give you a short break from your sense of stress or feelings of uncertainty, which can in turn help you to think more clearly and make better decisions for yourself, your family, and your business.

Let us know if this works for you by emailing us at smeresponseclinic@gmail.com!


Kubaka ubushobozi bw’ikigo  cy’ubucuruzi gito mu bihe bigoye

Kubaka ubushobozi bw’ikigo  cy’ubucuruzi gito mu bihe bigoye

Mu gihe u Rwanda ruhanganye n’ikibazo cy’izamuka ry’ubwandu bwa COVID-19 na guverinoma ikaba iri gushyiraho ingamba nshya zigamije gukumira umuvuduko wa gatatu w’ubwo bwandu, SME Response Clinic irashaka gufata umwanya wo kwemera  ingorane muhura nazo mwebwe nk’abantu mufite ibigo by’ubucuruzi bito. Ba rwiyemezamirimo nkamwe bageze kure boga mu nyanja itarigeze imenywa y’ikibazo cy’ubuzima n’ihungabana ry’ubukungu kitigeze kibaho, ariko ibigenda bigerwaho bishya biragaragaza ko hakiri intera igomba guterwa.

Ibigo by’ubucuruzi bito n’Ibiciriritse (MSME) bigize 97% by’ibigo by’ubucuruzi byose byo mu gihugu, bikagira n’uruhare rungana na 55% by’umusaruro mbumbe w’Igihugu (GDP) kandi bikanaba bikoresha abantu bangana na  40% by’abaturage bose b’u Rwanda ( Microsave Report, 2017). Itangira n’ihagarara ry’ibikorwa bya byinshi muri ibyo bigo  mu mwaka umwe n’igice ushize byagize ingaruka nyinshi ku bukungu ariko cyane cyane ku buzima bw’urwego rw’imari bwa ba rwiyemezamirimo bikorera ku giti cyabo nkamwe no ku miryango yanyu. Byongeye kandi bitewe n’ingaruka mbi zo mu rwego rw’ubukungu, twese duhanganye n’ingorane zihungabanya imibereho myiza yacu. Agahinda no kugira impungenge cyane bituma imibereho ya buri munsi irushaho gukomera. Ubushakashatsi kuri ba rwiyemezamirimo bo mu Rwanda bwakozwe mu mezi ashize bugaragaza ko abacuruzi bafite impungenge nyinshi baterwa no kutamenya neza uko ejo bizaba bimeze.

Uku kutamenya neza uko ejo bizaba bimeze ntibitangaje bitewe nuko mukora mwivuruguta mu mabwiriza mashya kandi agenda ahindagurika mu buryo bwihuse, mukagenda mukora impinduka mu bikorwa by’ubucuruzi bwanyu kugira ngo mubashe gukomeza gukora, munacunga imikoranire yanyu n’abo muranguraho ibicuruzwa n’abakiriya banyu mu buryo bwa kure aho kubikora imbonankubone. Ibyo byose mubikora ari nako mukora ibisoboka kugira ngo imiryango yanyu irusheho kugira ubuzima bwiza kandi inagire n’umutekano.   

Kuva twatangira muri Gicurasi 2020, SME Response Clinic yashakishije uburyo bwo kubagezaho  amakuru ajyanye n’igihe n’uburyo bwo gucunga ubucuruzi bwanyu mu ngorane zinyuranye zavutse kandi zikomeza kuvuka bitewe n’icyorezo. Ubungubu, turashaka kubaha amahirwe yo kugira ngo mubashe kwiyibandaho mwebwe ubwanyu ku buryo namwe mubasha gucunga neza ubucuruzi bwanyu kurushaho, bikarushaho kugirira akamaro imiryango yanyu, abakozi banyu, n’abaturanyi banyu muri rusange.     

Mu mezi macye ari imbere, tuzagenda tubaha udukoresho dusanzwe tuzabafasha kongera intege mu bikorwa by’ubucuruzi byanyu. Ibyo bikoresho bizaba birimo, videwo ntoya, inyandiko, n’amajwi yafashwe ku byuma mushobora gukoresha murwanya agahinda,  mukanagira icyizere cy’uko amezi ari imbere azaba ari meza.

Mureke tugumane kuri smeresponseclinic@gmail.com kandi mwibuke kuguma mufite umutekano!

Building resilience for your small business through challenging times

As Rwanda faces an uptick in COVID-19 infections and the government mandates new measures aimed at preventing a third wave, the SME Response Clinic wants to take a moment to recognize the challenges you face as a small business owner. Entrepreneurs like you have come so far in navigating the unchartered waters of a truly unprecedented health and economic crisis, but new developments indicate that there is further yet to go.

Micro-, small- and medium-enterprises (MSMEs) make up 97% of businesses in the country, contributing to 55% of total GDP and employing over 40% of Rwanda’s population (Microsave Report, 2017). The start and stop of operations for many if not most businesses over the past year and a half has had a tremendous impact on the economy but also importantly on the financial health of individual entrepreneurs like you and, importantly, your families. In addition to and often caused by the significant negative economic impact resulting from the pandemic, we are all struggling with challenges that affect our wellbeing. Increased levels of stress and anxiety make our day-to-day even tougher. Studies of entrepreneurs in Rwanda (as well as globally) undertaken in recent months indicate that business owners are facing high levels of anxiety caused by uncertainty about the future.

This uncertainty is not surprising as you work to navigate new and rapidly evolving regulations, make changes to your business operations to work to stay afloat, and manage relationships with your suppliers and customers remotely rather than face-to-face. You do all of this while working to ensure your families are healthy and safe.

Since our launch in May 2020, the SME Response Clinic has sought to provide you with updates and tips relevant to managing your business through the various challenges that have arisen and continue to arise as a result of the pandemic. Now, we want to offer you the opportunity to also focus on yourself so that you can in turn better manage your business, positively impacting your family, your employees, and your community at large.

Over the next few months, we will be providing simple tools to support you in building business resilience. These will include short videos, articles, and audio recordings that you can use to manage stress and maintain a positive outlook in the months ahead.

Stay in touch with us at smeresponseclinic@gmail.com and remember to stay safe!


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

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.