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.

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.


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.

 

 

 

 

 

 

 

 

 

 


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.

 

 

 

 

 

 

 

 

 

 

 

 


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/ 

 


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!


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

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

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

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

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

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

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

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

Ibyabaye kuri Scovia:

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

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

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

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

 

Ibyabaye kuri Amina :

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

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

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

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

Kongera kubaka ufite ubuzima bwiza kurushaho :

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

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

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

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

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

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

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

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

 

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

 

 

Scovia’s Experience:

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

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

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

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

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

Amina’s Experience:

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

 

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

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

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

Building Back Healthier:

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

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

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

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


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

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

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

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

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

Saba kwitabira hano:  Survive to Thrive Application


SME Response Clinic irakoresha ikiganiro hifashishijwe ikoranabuhanga ku nsanganyamatsiko yerekeranye no gushaka ibisubizo bishoboka bigamije kunoza Imibereho Myiza ya ba Rwiyemezamirimo b’Abagore

SME Response Clinic irakoresha ikiganiro hifashishijwe ikoranabuhanga ku nsanganyamatsiko yerekeranye no gushaka ibisubizo bishoboka bigamije kunoza Imibereho Myiza ya ba Rwiyemezamirimo b’Abagore

Kuwa 8 Ukuboza 2021 mu Isomero Rusange Kigali, SME Response Clinic yakoresheje ikiganiro hifashishijwe ikoranabuhanga ku nsanganyamatsiko yerekeranye no gushaka ibisubizo bishoboka bigamije kunoza imibereho myiza ya ba rwiyemezamirimo b’abagore. Icyo kiganiro gikorwa hifashishijwe ikoranabuhanga ni kimwe mu bice bigize uruhererekane rw’ibiganiro byiswe Kongera kubaka ufite ubuzima bwiza kurushaho byatangijwe n’Ikiganiro cyanyuze kuri radiuo KT Radio kuwa 18 Ukwakira 2021 kikaza gukurikirwa n’ikindi kiganiro cyakozwe hifashishijwe ikoranabuhanga ku nsanganyamatsiko yerekeranye n’ingamba zishoboka zo kurwanya umunaniro  cyabaye mu Ugushyingo. Urwo ruhererekane rwakozwe ku bufatanye na  Geruka Healing Centre.

Intego y’icyo kiganiro gikorwa hifashishijwe ikoranabuhanga ni ukumenyesha, gutanga ibitekerezo, no gusangira ubumenyi n’ubushobozi abacuruzi b’abagore bashobora gukoresha mu kunoza imibereho myiza yabo bahangana n’ikibazo cy’umunaniro wa buri munsi ukomoka ku mirimo yo gucunga ubucuruzi ari nako buzuza n’izindi nshingano. Byongeye kandi, icyo kiganiro gikorwa hifashishijwe ikoranabuhanga kibanze kuri tekiniki zishoboka zo kongera umutekano wo mu rwego rw’imitekerereze n’umusaruro no ku buryo bwo gutanganya neza aho abantu bakorera cyane cyane kuri ba rwiyemezamirimo b’abagore.

Icyo kiganiro cyahuje Madamu Adelite Mukamana, M.Sc akaba inzobere mu bijyanye n’ubuzima bwo mu mutwe n’abacuruzi b’abagore babiri bakomeye aribo Scovia Umutoni na Amina Umuhoza. Madamu Mukamana yatangije ikiganiro atanga urugero rwiza rwari rugamije gufasha abagikurikiranaga kumva byimazeyo ibyerekeranye n’ubuzima bwo mu mutwe n’imibereho myiza:

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

 

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

Ibyabaye kuri Scovia :

Scovia Umutoni ni we washinze  KGL Flour Limited, uruganda rutunganya ibihingwa mu rwego rw’ubucuruzi, urwo ruganda rukaba rukora ifu y’ibigori- izwi ku izina rya kawunga- n’ibiryo by’amatungo. Mbere ya COVID-19, yakoraga ahandi hantu, ariko yaje gutakaza akazi ke kimwe n’abandi bantu benshi ubwo icyorezo cyadukaga. Aho kwiheba, yafashe icyemezo cyo gushora amafaranga yari yarizigamiye maze atangiza ubucuruzi bwe bwite. Nubwo byari igitekerezo cyiza, byabaye ibihe bikomeye kubera ko ubwo yatangiraga ubucuruzi bwe, u Rwanda rwagiye muri Guma mu Rugo, ibintu byose bihita bihagarara. Guma mu rugo irangiye, ubwo ubundi bucuruzi bwongeraga gutangira gukora, isoko rya Scovia  ryari rigizwe n’ibigo by’amashuri n’amahoteli ryari ritaratangira gukora. Yatangiye kumva bimubabaje atanabona neza uko ejo hazaza he hazaba hameze. Scovia yahise atekereza vuba noneho afata icyemezo cyo guhindura uburyo bw’imikorere, agamije isoko ryo muri Repubulika iharanira Demokarasi ya Congo (DRC). Ubwo yatangiye kujya aha ibicuruzwa bye abaguzi bo muri DRC guhera ubwo ngubwo. Noneho u Rwanda rutangiye kuzahuka buva mu ngaruka z’icyorezo yongera gutangira kugurisha  ibicuruzwa bye mu Rwanda.  

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

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

Ibyabaye kuri Amina:

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

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

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

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

Kongera kubaka ufite ubuzima bwiza kurushaho :

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

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

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

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


Ibiruhuko byiza n’Umwaka Mushya w’Uburumbuke

Ibiruhuko byiza n’Umwaka Mushya w’Uburumbuke

Uko tugenda turushaho kwegera impera z’umwaka wa 2021, SME Response Clinic iri gutekereza ku bikorwa byadufashije kugera ku ntego yacu yo kwegereza ikigo cy’ubucuruzi cyawe  serivisi z’imari kimwe n’ibindi bikorwa bijyanye no guteza ubucuruzi imbere. Turabashimira cyane kubera ubufasha mwaduhaye muri uyu mwaka kandi turifuza gukomeza gukorana namwe mu mwaka wa 2022.

Dore bimwe mu bikorwa twakoze muri 2021.

Ibihembo byatanzwe na SME Response Clinic

Muri Werurwe 2021, SME Response Clinic yatangije ubukangurambaga bwa Twiteze Imbere (Let’s Move Forward) bwari bugamije gushimira uruhare ibigo by’ubucuruzi bito byagize mu kuzahura ubukungu bw’u Rwanda bwari bwarazahajwe n’Icyorezo cya COVID-19. Igikorwa nyamukuru cy’ubwo bukangurambaga cyari  ukugena ibigo by’ubucuruzi byahabwaga n’abantu benshi amahirwe yo kwegukana igihembo. Hagenwe ibigo by’ubucuruzi bitatu byari  muri buri kimwe mu byiciro bitatu bikurikira :  ibigo biyobowe n’abagore, ibigo bigitangira, n’ibigo byashinze imizi. Buri kigo cyahawe igihembo cy’amafaranga y’u Rwanda miliyoni imwe na serivisi z’ubujyanama butangwa n’inzobere.

Ubufatanye na Banki ya KCB.

Muri Kanama 2021, SME Response Clinic yatangije ubufatanye na Banki ya KCB. Ubwo bufatanye bwari bugamije guhuza ba rwiyemezamirimo n’ikigo gitanga serivisi z’imari. Abakoresha serivisi z’imari barenga 900 bagize icyo bavuga ku butumwa bwanyuze ku mbuga nkoranyambaga bujyanye n’ubufatanye bwacu na Banki ya KCB. Ba rwiyemezamirimo barenga 30 babajije ibibazo ku bijyanye n’ibicuruzwa byo mu rwego rw’imari bicuruzwa na Banki ya KCB; bahamagara mu buryo butaziguye bifashishije umurongo utishyurwa wa Banki ya KCB.   

Kongera kubaka ufite ubuzima bwiza kurushaho.

Mu Ukwakira 2021, twatangije ibiganiro by’uruhererekane rwiswe Kongera kubaka ufite ubuzima bwiza kurushaho; bikaba ari ibikorwa by’imibereho myiza yo mu mutwe bigamije gufasha ba rwiyemezamirimo guhangana n’ibibazo by’imibereho myiza yo mu mutwe bagenda bahura nabyo bitewe n’icyorezo cya COVID-19. Uwo mushinga washyizwe mu bikorwa ku bufatanye n’ikigo gitanga serivisi z’imibereho myiza yo mu mutwe cya Geruka Healing Center. Binyuze muri uwo mushinga twakoresheje ikiganiro kimwe gihita kuri radiyo n’ibiganiro bibiri bihita  hifashishijwe ikoranabuhanga bihuza ba rwiyemezamirimo bakomeye bo mu Rwanda n’inzobere mu bijyanye n’imibereho myiza yo mu mutwe. Abantu banyuranye bagize uruhare muri ibyo biganiro mpaka, noneho bakoresha ibyo biganiro byakorwaga hifashishijwe ikoranabuhanga nk’urubuga rwo kwigiramo, kubaza ibibazo, no kugeza ku bandi bimwe mu byo bakoze mu rwego rwo kwiyitaho kugirango babashe gucunga ibikorwa by’ubucuruzi bwabo uko bikwiye.

Usibye kandi ibyo bikorwa by’ingenzi, twatanze  n’inama zo mu rwego rw’ubucuruzi, urw’imibereho myiza, n’izijyanye n’amahirwe yo kubona imari no kongera ubushobozi ari ku isoko. Twizeye ko mugenda musatira umwaka mushya mufite icyizere cyinshi kandi twifuza ko mwazakomeza gukorana natwe kuberako tubereyeho kubafasha guteza imbere ubucuruzi bwanyu.

Muri urwo rwego, tubifurije kuzagira Ibiruhuko Byiza n’Umwaka Mushya w’Uburumbuke!


Gufasha ba rwiyemezamirimo ba’abagore kuzamura imibereho myiza mu buryo burambye

Gufasha ba rwiyemezamirimo ba’abagore kuzamura imibereho myiza mu buryo burambye.

SME Response Clinic ifatanyije na Geruka Healing Centre yakoze ikiganiro gicaho uwo mwanya ku gufasha ba rwiyemezemririmo kongera kwiyubaka nka kimwe mu biganiro by’uruhererekane bizakomeza gutambuka bigamije gufasha ba rwiyemezamirimo b’abagore kuzamura imibereho myiza mu buryo burambye.

Abatumirwa muri icyo kiganiro bari Adelite Mukamana, Inzobere mu miterekeze ya muntu, Scovia Mutoni, Umuyobozi wa KGL Flour Limited na Amina Muhoza, Umoyobozi wa Saye Company Limited. Iki kiganiro kiri mu kinyarwanda.