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

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

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

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

Gahunda ya Ramba kugirango ukunguhare  

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

Kwizihiza Ukwezi kwa Werurwe, Ukwezi kw’Abagore

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

Ikigega cyo Kuzahura Ubukungu  (HATANA 2)

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

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

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

by adminccxib

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

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

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

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

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

by adminccxib

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

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

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

 

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

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

by adminccxib

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

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

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

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

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

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

by KachecheMusa

rwiyezamirimo

Bisaba iki kugirango umuntu abe rwiyemezamirimo mwiza?

Bisaba iki kugirango umuntu abe rwiyemezamirimo mwiza?

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

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

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

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

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

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

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

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

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

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

by KachecheMusa

gutangiza

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

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

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

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

  1. Umutungo w’umuntu ku giti cye:

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

  1. Ikigo cy’ubucuruzi cy’ubufatanye:

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

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

  1. Sosiyete

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

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

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

Launching a Business? Choose the Right Legal Structure

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

Learn more about these structures and their advantages and disadvantages.

  1. Sole proprietorship:

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

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

  1. Partnerships:

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

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

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

 

  1. Corporation

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

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

by Viktoria Wittlinger de Lima

Inama eshanu zifasha umucuruzi gufata ibyemezo byiza byo mu rwego rw’imari 

Inama eshanu zifasha umucuruzi gufata ibyemezo byiza byo mu rwego rw’imari 

Kenshi na kenshi, abacuruzi bakenera kugura imitungo cyangwa ibicuruzwa bijya mu bubiko cyangwa bakagura ibindi bintu bagamije guteza imbere ubucuruzi bwabo. Ariko, kenshi na kenshi amikoro aba ari macye, kubera iyo mpamvu, ni ngombwa gufata ibyemezo byo mu rwego rw’imari byiza kurusha ibindi byose bishoboka.

Nimucunga amikoro yanyu uko bikwiye, muzabasha kugera ku ntego zanyu neza kandi mubashe  kunoza imikorere y’ikigo cy’ubucuruzi cyanyu muri rusange. Dore inama eshanu zabafasha gufata ibyemezo bitanu byo mu rwego rw’imari.

  • Ruhuka: Mbere yo kugira ibintu ugurira ikigo cy’ubucuruzi cyawe, ikintu cya mbere ugomba gukora ni ukuruhuka noneho ugatekereza ku ntego ufitiye ikigo cy’ubucuruzi cyawe. Ese igicuruzwa ugurira ikigo cyawe gishyigikira izo ntego cyangwa gihabanye nazo? Wikwishyiraho igitutu cyangwa ngo abandi bakigushyireho.
  • Baza: Baza ibibazo bijyanye n’ibiguzi n’ingorane zijyana n’ibyo ugomba kugura. Komeza ubaze ibindi bibazo kugeza igihe wumviye icyo wishyurira n’icyo uhawe. Wigira isoni zo kubaza ibibazo byinshi. Dore bimwe mu bitekerezo by’ingirakamaro: Bizagenda gute nibidakora? Ese nshobora guhagarika kugura iki gicuruzwa ngasubizwa amafaranga? Ese hari amafaranga y’igihembo, imisoro, ibihano, cyangwa andi mafaranga ajyanye n’icyo gicuruzwa? Mu by’ukuri ni iki mpawe kubera amafaranga nishyuye? Iki gicuruzwa gifite iyihe garanti?
  • Gereranya: Gereranya ibiciro maze urebe niba uri kwishyura igicuruzwa ku giciro gikwiye. Itegereze cyane maze urebe niba atari ikintu kigaragara nk’aho ari cyiza kurusha uko kiri mu by’ukuri. Genzura niba abantu cyangwa ibigo by’ubucuruzi mukorana byanditswe mu buryo bwemewe.
  • Cishiriza : Cishiriza ikiguzi cy’ibyo ushaka kugura noneho urebe niba kijyanye n’amafaranga usabwa kwishyura. Ushobora kubona kuri interineti ibikoresho n’ibyo ushobora kwifashisha ubara bikagufasha kugereranya ibicuruzwa cyangwa serivisi zo mu rwego rw’imari. Gereranya ikiguzi cya byose, harimo amafaranga y’ibihembo n’andi yose usabwa kwishyura n’agaciro k’igicuruzwa uhabwa.
  • Fata icyemezo : Niba watekereje ku byerekeranye n’uburyo igicuruzwa runaka cyagira uruhare ku ntego zawe, nyuma yo kubaza ibibazo byawe byose, nyuma yo kugereranya ibiciro, no gucishiriza ku bijyanye n’ikiguzi cyacyo, fata icyemezo niba ugomba gukomeza gukora igikorwa cyo kugura icyo gicuruzwa cyangwa kukireka. Andika ibi byose bimaze kuvugwa noneho ubirebe nk’uko biri koko kugirango ubashe gufata icyemezo.

Twizeye ko nimukoresha ubu buryo, muzabasha gufata ibyemezo byo mu rwego rw’imari birushijeho kuba byiza bizafasha ibikorwa by’ubucuruzi byanyu.

Five Tips to Make Better Financial Decisions

Business owners generally need to purchase assets or inventory or make other purchases to help their businesses grow. But resources are often scarce, so it is important, therefore, to ensure you’re making the best financial decisions you can.

If you manage resources appropriately, you will be able to better accomplish your goals and improve your company’s overall performance. Here are five tips to make better financial decisions.

  1. Pause: Before making a purchase for your business, the first thing you should do is pause and think about what your goals are for your business. Will the item you are purchasing support those goals or deter from them? Don’t pressure yourself or let other people pressure you.
  2. Ask: Ask questions about the costs and risks associated with a purchase. Keep asking more questions until you understand what you’re paying for and what you are receiving. Don’t be shy about asking many questions. Here are some ideas: What will happen if it doesn’t work out? Can I stop the transaction and get my money back? Are there fees, taxes, penalties, or other charges? What exactly am I receiving in return for the amount I am paying? What warranty or guarantee does this come with?
  3. Compare: Compare prices to make sure you are paying a fair price. Keep an eye out for anything that seems too good to be true. Ensure that the people and businesses with whom you are working are properly registered.
  4. Estimate: Estimate the costs associated with your purchase and make sure you are getting value for your money. You can find online tools and calculators to compare financial products or services. Compare the total cost, including fees and chargers, to the value you are receiving.
  5. Decide: If you thought about how a purchase will contribute toward your goals, asked all your questions, compared prices, and estimated your total costs, make a decision whether to move forward with the transaction or not. Write down all of the above and look at it objectively to help you decide.

We hope that by applying this method, you will be able to make better financial decisions to support your business.

 

 

 

 

 

 

 

 

 

 

by SME Response Clinic

unique selling proposition

Intera enye zo gushyiraho Igitekerezo cyo gucuruza ikintu kimwe

Intera enye zo gushyiraho Igitekerezo cyo gucuruza ikintu kimwe

Igitekerezo cyo gucuruza ikintu kimwe gifatwa kandi nk’ikintu kihariye gishyira ku isonga ubucuruzi bwawe ugereranyije n’abo muba muhigana ku isoko.

Kimwe na benshi muri twe, abaguzi bananirwa gukora amahitamo y’ibyo baba bagomba kugura  noneho bagashaka guhita bareba ikintu gituma igicuruzwa kimwe cyangwa ubwoko bw’ibicuruzwa runaka bitandukana n’ibindi. Gushaka uburyo bwo kuzamura urwego rw’igicuruzwa cyangwa rwa serivisi ku buryo kirushaho kugaragara aho kugirango kivange mu bindi ni ingenzi. Kubera iyo mpamvu, ni ngombwa ko ba rwiyemezamirimo bashaka ingingo yo gucuruza ikintu kimwe ishobora gukoreshwa mu kuyobora ibyemezo bigamije gushyiraho izina ry’igicuruzwa cyangwa serivisi  no kuyamamaza.

Dore intera enye umuntu agomba gukurikiza mu ishyirwaho ry’igitekerezo cyo gucuruza ikintu kimwe gusa ( USP):

  • Kumva isoko ugambiriye: Kuba ufite ikintu kihariye kiranga igicuruzwa cyangwa serivisi yawe  nta gaciro bigira igihe abaguzi bawe bumva kitabareba cyangwa batakishimiye. Ibi bisobanura ko ugomba kumva abaguzi bawe. Ese bakeneye iki?Kubera iki bashaka kugura ibicuruzwa byawe? Ese ni kubera ko bihendutse? Ni ukubera ko bitabatwara umwanya? Cyangwa ni ukubera ko bakugirira icyizere? Baza abaguzi n’inshuti zawe noneho ukore urutonde rw’impamvu zituma bagura ibicuruzwa byawe. Reba impamvu ikunze guhora igaruka kurusha izindi.
  • Sesengura abo muhigana: Kuva umaze kugira urutonde rw’ibyo abaguzi bawe baba bifuza ku bicuruzwa cyangwa serivisi zawe, kora urutonde rw’abo muhigana noneho urebe ibikenewe buzuza. Ibi bizatuma ubasha kumva ibintu byihariye biranga ibicuruzwa byawe kandi bikabitandukanya n’iby’abo muhiganwa.
  • Tangaza USP yawe: Iyo umaze kubona impamvu abaguzi bawe bakunda kugura ibicuruzwa byawe aho kugura iby’abo muhiganwa, utegura ubutumwa butangaza USP yawe. Ubu butumwa bugomba kuba bwumvikana, ari bugufi kandi burasa ku ntego. Ugomba kubasha kubutanga mu buryo bworoshye ku buryo abaguzi bawe babasha kubwumva kandi bakaba babasha kubwibuka. Ugomba kwibaza niba izina ryawe ku isoko n’ikimenyetso cy’ubucuruzi cyawe ( logo) bigaragaza neza inyungu ibicuruzwa/serivisi zawe zitanga.    
  • Kora igerageza kandi usubiremo: Iyo umaze gutegura imvugo ukoresha utangaza USP yawe, usaba abaguzi bawe kuvuga icyo bayitekerezaho. Ibi biganiro bigufasha gufata icyemezo ku byerekeranye n’uburyo bwiza bwo kwamamaza ubucuruzi bwawe.

Igitekerezo cyawe cyo gucuruza ikintu kimwe ntikigomba guhinduka hato na hato. Ahubwo, ni ngombwa guhora gihuzwa n’igihe. Impinduka izo ari zo zose zibaho ku byerekeranye n’imiterere y’isoko  cyangwa abo muhiganwa nabo  zishobora kugira impinduka kuri USP yawe. Kubera iyo mpamvu, ugomba guhora witegereza ibigenda biba ku isoko noneho ugakora impinduka zikwiye.

Four Steps to Defining Your Unique Selling Proposition

A unique selling proposition, also known as a USP, is a specific thing that gives your business an edge over the competition.

Like many of us, customers are overwhelmed by choice, and they want to quickly figure out what makes one product or brand different from the rest. Finding out how to position your product or service so that it stands out rather than simply blends in is key. So, it’s crucial for entrepreneurs to identify a unique selling point that can be used to guide your branding and marketing decisions.

Here are four steps to keep in mind when defining your USP:

  1. Understand your target market: Having a unique feature has no value if your customers are not concerned about or interested in it. This means that you need to understand your customers. What do they need? Why do they buy your products? Is it because it is cheaper, saves them time, or because they trust you? Interview clients, and friends and make a list of the reasons they buy your products. Identify what comes up most frequently.
  2. Analyze your competition: Now that you have a list of what benefits your products or service brings to your clients, make a list of your competitors and identify the needs they are meeting. This will help you understand what characteristic distinguishes your products from those of your competition.
  3. Communicate your USP: c, come up with a message that communicates your USP. This message needs to be clear, concise, and straightforward. Make sure you can communicate it easily, that your customers can understand it, and that it is easy to remember. Ask yourself if your reputation in the market and your branding (logo) clearly demonstrate the benefit you are providing.
  4. Test and revise: Once you develop language to communicate your USP, talk to customers to get their thoughts. These interviews should help you decide on the best way to market your business.

Your unique selling proposition shouldn’t change too often, but it’s essential to keep it up to date. Any changes in trends or competitors could affect your USP, so keep an eye on what is happening in the market and adjust accordingly.

 

 

 

 

 

 

 

 

 

 

 

 

by SME Response Clinic

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

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

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

Dore inyungu enye zo kwandikisha ubucuruzi bwawe.    

  • Kubona imari no gukora ishoramari ku buryo bworoshye   

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

  • Kugabanya uburyozwe ku giti cyawe  

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

  • Kubaka izina ry’ubucuruzi ryiza  

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

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

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

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

Urakoze kubireba.  

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

 

by SME Response Clinic

Kwishimira ibikorwa bya  ba rwiyemezamirimo b’abagore mu Rwanda

Kwishimira ibikorwa bya  ba rwiyemezamirimo b’abagore mu Rwanda

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

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

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

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

Celebrating Women’s Entrepreneurship in Rwanda

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

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

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

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

by Viktoria Wittlinger de Lima