Amahugurwa ku bumenyi ngiro mu bijyanye n’ubucuruzi yatewe inkunga na Mastercard Foundation agenewe Ibigo by’ubucuruzi bito n’ibiciriritse 2.500 (MSME) binyuze mu bufatanye bushya hagati y’Urwego Rushinzwe Iterambere mu Rwanda na African Management Institute
Amahugurwa ku bumenyi ngiro mu bijyanye n’ubucuruzi yatewe inkunga na Mastercard Foundation agenewe Ibigo by’ubucuruzi bito n’ibiciriritse 2.500 (MSME) binyuze mu bufatanye bushya hagati y’Urwego Rushinzwe Iterambere mu Rwanda na African Management Institute
Urwego Rushinzwe Iterambere mu Rwanda rwagiranye amasezerano n’ikigo cya African Institute Management (AMI) yo guha ku buntu Ibigo by’ubucuruzi bito n’ibiciriritse 2.500 (MSME) ubumenyi ngiro mu bijyanye n’ubucuruzi n’ibikoresho byo kwimenyereza mu rwego rwo gufasha igihugu kuzahuka nyuma y’icyorezo cyugarije isi. Ubufatanye bushya, bwagiyeho hifashishijwe inkunga yo mu rwego rw’imari yatanzwe na Mastercard Foundation’s COVID-19 Response and Resilience Programme, buzatera inkunga ingamba yo kuzahura ubukungu bw’u Rwanda mu rwego rw’ibigo by’ubucuruzi bito n’ibiciriritse.
Gahunda z’amahugurwa za AMI zigamije kuzamura umubare w’ibigo by’ubucuruzi bitsinda ingorane byatewe n’icyorezo cyayogoje isi zibifasha kugumishaho imirimo isanzweho no gushyiraho andi mahirwe yo guhanga indi mirimo, by’umwihariko ku bategarugori n’urubyiruko.
Bwana Diederik Wokke, Umuyobozi Uhagarariye African Institute Management yaravuze ati : “Kuva muri Gicurasi kugeza muri Kanama uyu mwaka, AMI yakoranye na SME Response Clinic noneho hashyirwaho ingando 5 zikomeza ibigo by’ubucuruzi (Business Survival Bootcamp) zo guhugura abafite ibigo by’ubucuruzi na ba rwiyemezamirimo.Twashimishijwe no gusangira ubumenyi ngiro bwo gufasha ibigo by’ubucuruzi guhangana n’ibihe bikomeye, kandi dushishikajwe kurushaho no kuzakorana n’ibigo by’ubucuruzi 2.500 mu myaka iri imbere,”.
AMI izakoresha ubwoko bubiri bw’amahugurwa ku buntu ku buryo buhoraho guhera mu Ugushyingo 2020 kugeza muri Mata 2020:
- Ingando zikomeza ibigo by’ubucuruzi – Amasomo azamara ukwezi agamije gufasha ibigo by’ubucuruzi kwikura mu ngorane birimo muri iki gihe hashyirwaho uburyo bwo kubona no gukora inama nyunguranabitekerezo bagiramo uruhare hakoreshejwe ikoranabuhanga, ibikoresho n’indongozi y’ikoranabuhanga, n’uburyo bwo gushyiraho imikoranire n’ibindi bigo by’ubucuruzi.
- Gumya ubeho maze ukungahare – isomo ryisumbuyeho rimara amezi 6 rifasha ibigo by’ubucuruzi guhanga udushya no gutegura iterambere ryabyo mu bihe biri imbere.
Amahugurwa azatangwa hakoreshejwe ikoranabuhanga mu Kinyarwanda n’Icyongereza.
Ingando zikomeza Ibigo by’Ubucuruzi ya mbere yatangiye kuwa 24 Ugushyingo naho amasomo ya mbere ya Gumya Ubeho maze ukungahare akazatangira mu ntangiriro za 2021. Kugira ngo usabe gukurikira aya masomo, sura urubuga rwa: www.africanmanagers.org/rwanda
Niba ukeneye ibindi bisobanuro, ohereza SMS kuri: +250 787 339 435 cyangwa ukoreshe WhatsApp.
Free business skills training funded by the Mastercard Foundation available for 2,500 MSMEs through a new partnership between Rwanda Development Board and African Management Institute
The Rwanda Development Board has signed an agreement with the African Management Institute (AMI) to provide 2,500 MSMEs with free business skills and practical tools to support the country’s recovery following the pandemic. The new partnership, which has been made possible by financial support provided by Mastercard Foundation’s COVID-19 Response and Resilience Programme, will support Rwanda’s economic recovery strategy of investing in micro, small and medium-sized enterprises.
AMI’s training programmes aim to increase the number of businesses that overcome the challenges brought about by the pandemic, helping them retain jobs and creating additional employment opportunities, particularly for women and young people.
“From May to August this year, AMI worked with the SME Response Clinic and offered five Business Survival Bootcamp to train Rwandan business owners and entrepreneurs. We were happy to share skills to help businesses manage difficult times, and we are even more excited to work with 2,500 businesses in the years ahead,” said Diederik Wokke, Rwanda Country Manager, African Management Institute.
AMI will offer two types of free training programmes on an ongoing basis from November 2020 to April 2022:
- Business Survival Bootcamp – a one-month course designed to help businesses make it through the ongoing crisis with access to engaging and interactive online workshops, digital tools and guidance, and an opportunity to network with other businesses.
- Survive to Thrive – a six-month advanced course that supports businesses to innovate and prepare for future growth.
The programs will be delivered virtually in Kinyarwanda and English.
The first Business Survival Bootcamp began on 24th November, and the first Survive to Thrive courses will kick-off at the start of 2021. To apply for the programs, visit: www.africanmanagers.org/rwanda
For more information, please contact: +250 787 339 435 via SMS or WhatsApp.
Ikibazo: Ni iki nkeneye kumenya ku bijyanye n’uko ibikorwa by’ubucuruzi bihagaze mu Rwanda muri iki gihe hariho icyorezo cya COVID-19?
Ikibazo: Ni iki nkeneye kumenya ku bijyanye n’uko ibikorwa by’ubucuruzi bihagaze mu Rwanda muri iki gihe hariho icyorezo cya COVID-19?
Igisubizo: Kuva umuntu wa mbere wanduye indwara ya COVID-19 yagaragara mu Rwanda kuwa 14 Werurwe 2020, igihugu cyashyizeho ingamba nyinshi zigamije gukumira ikwirakwira ryayo n’ubwandu bwayo. Izo ngamba zihora zisubirwamo nyuma ya buri minsi 15 zikaba zari zirimo ihagarikwa ry’ibikorwa byose by’ubucuruzi usibye gusa serivisi za ngombwa, kugumisha abantu mu ngo no gutwara ibintu mu masaha runaka. Muri iki gihe, mu Rwanda, ibikorwa by’ubucuruzi hafi ya byose byongeye gutangira, harimo amaresitora, amahoteli, amaduka, n’ibikorwa by’ubukerarugendo ukuyemo za bare (harimo na za bare zo mu mahoteli no mu maresitora) zigifunze. Gusohoka mu mazu mu gihugu byemewe gusa kuva saa cumi za mu gitondo kugeza saa ine z’ijoro. Pariki z’igihugu zirafunguye ku bantu badafite ubwandu bwa COVID-19 kandi ingendo mpuzamahanga mu ndege zongeye gutangira. U Rwanda rwafunguye igice cy’umupaka w’ubutaka ruhuriyeho na Repubulika Iharanira Demokarasi ya Kongo gihuza igihugu n’umujyi mutoya wa Goma mu rwego rwo koroshya ubucuruzi buto bwambukiranya imipaka. Ariko indi mipaka yose y’ubutaka iracyafunze uretse ku bwikorezi bw’ibicuruzwa no ku banyarwanda batahuka n’abasanzwe baba mu gihugu. Abagenzi bajya mu Rwanda bagomba kugaragaza icyemezo cyigaragaza ko bapimwe COVID-19 hakoreshejwe ibipimo bya PCR bagasanga ari nta bwandu bafite; ibyo bipimo bikaba bigomba kuba byarafashwe mu gihe kitarenze amasaha 120 kuva igihe urugendo rw’indege rwatangiriye.
Gutwara abantu mu modoka rusange no mu modoka z’abantu ku giti cyabo byasubijweho mu gihugu cyose; bisi zishobora gutwara abagenzi bose zemerewe gutwara ku bantu bicaye n’abantu 50 % ku bagenzi bagenda bahagaze. Umubare w’abakozi bo mu rwego rw’abikorera n’urwa leta bemerewe gukorera aho basanzwe bakorera warazamutse uva kuri 30% ugera kuri 50%. Ku bijyanye no kwakira abantu mu makwe no mu nama, abategura ibyo bikorwa ntibagomba kwemerera abashyitsi kurenga 50% by’abantu bashobora kwakirirwa ahantu habera ibyo bikorwa. Mu gusoza, kwipimisha COVID-19 ntibikiri ngombwa ku materaniro ahuza abantu batarenze 75.
Ibyifashishijwe: https://www.primature.gov.rw/index.php?id=43
Ibyemezo by’Inama y’Abaminisitiri (Ibiro bya Minisitiri w’Intebe, Rwanda, 2020)
Question: What do I need to know about the current state of business operations in Rwanda amid the COVID-19 outbreak?
Answer: Since the first case of COVID-19 infection was reported in Rwanda on March 14th, 2020, the country has implanted several measures to contain the spread and infection of the virus. The measures are reviewed every 15 days and have ranged from closing all business operations except for essential services to restrictions of the movement of people and cargo to between certain hours.
Currently, Rwanda has resumed most business operations, including restaurants, hotels, shops, and tourism operations with the exception of bars (including bars located inside of hotels and restaurants), which remain closed. Movement in the country is allowed from 4 am to 10 pm. National parks are open to visitors with a negative COVID-19 test and international air travel has resumed. Rwanda has partially opened its land border with the Democratic Republic of Congo linking the country to DRC’s small city of Goma to ease small cross border business. However, all the other land borders remain closed except for cargo and returning Rwandan citizens and residents. Travelers to Rwanda must present a negative PCR COVID-19 test certificate for a test taken no more than 120 hours before their initial flight.
Public and private transport has resumed all over the country with public buses operating at full capacity for sitting passengers and 50% for standing passengers. Capacities for staff in private and public workplaces has increased from 30% to 50%. For wedding reception and conferences, event organizers must not allow guests to exceed 50% of venue capacity. Finally, COVID- 19 tests are no longer required for gatherings of fewer than 75 in number.
References: https://www.primature.gov.rw/index.php?id=43
Cabinet Decisions (Office of the Prime Minister, Rwanda, 2020)
Hura na Fidele Nshimiiyimana, Abajyanama b'Ubucuruzi
SME Response Clinic yavuganye na Fidele Nshimiiyimana, Umujyanama w’ubucuruzi mu iterambere ry’imishinga wigisha ba rwiyemezamirimo kwigobotora amakuba ndetse ningorane.
Hura na Gisele Mukanyandwi, Abajyanama b'Ubucuruzi
SME Response Clinic yavuganye na Gisele Mukanyandwi, Umujyanama w’ubucuruzi mu iterambere ry’imishinga wigisha ba rwiyemezamirimo kwigobotora amakuba ndetse ningorane.
Niba narasonewe umusoro kubera ibibazo byatewe na COVID-19, itangazo rishya ry’Ikigo cy’Imisoro n’Amahoro (RRA) risobanuye iki kuri njye?
Niba narasonewe umusoro kubera ibibazo byatewe na COVID-19, itangazo rishya ry’Ikigo cy’Imisoro n’Amahoro (RRA) risobanuye iki kuri njye?
Ikigo cy’Imisoro n’Amahoro (RRA) cyatanze itangazo kuwa 21 Kanama 2020, rigenewe abasora basabye gukurirwaho ibihano, amande, n’inyungu ku bukererwe bwo kwishyura umusoro ku bihembo, umusoro ku nyongeragaciro, n’umusoro ufatirwa muri Werurwe, Mata, na Gicurasi 2020, ndetse n’ababisabye ku musoro ku nyungu z’amasosiyete wa 2019.
Muri iryo tangazo, RRA yatangaje ko itariki ntarengwa yo kwishyura imisoro ku basabye gusonerwa ari kuwa 30 Nzeri 2020.
Bityo rero, niba uri umwe mu basora basabye gusonerwa kimwe mu byavuzwe haruguru, ugomba kwishyura imisoro urimo bitarenze kuwa 30 Nzeri 2020.
Iri tangazo ni ingenzi kuko abatazishyurira ku gihe bazahabwa ibihano, bacibwe amande n’inyungu ku misoro batishyuye. Iki ni ikintu cy’ingenzi uheraho uteganya ibijyanye n’amafaranga uzakoresha mu bucuruzi bwawe muri uku kwezi.
Ushobora gusura urubuga rwa interineti rwa RRA; rra.gov.rw, n’urutonde rw’abasora, kugira ngo urebe ko uri ku rutonde rwa RRA.
If I received a tax waiver because of COVID-19 hardships, what does the new announcement from RRA mean for me?
The Rwanda Revenue Authority (RRA) released an announcement on August 21st, 2020, for those taxers who requested waivers of penalties, fines, and interest for late payment of Pay as You Earn (PAYE), VAT, and withholding tax (WHT) in March, April, and May 2020, as well as those who requested for Corporate Income Tax (CIT) for 2019.
In that announcement, RRA has stated that the due date for principal tax payments for those who requested waivers is no later than 30 September 2020.
So, if you are a taxpayer who has requested one of the waivers above, be sure to pay the principal taxes owed by 30 September 2020.
This is an important announcement, as those not having paid on time will be subject to all penalties, fines, and interest for the unpaid taxes. This will be an important part of planning your business finances this month.
You can visit the RRA website, rra.gov.rw, and the list of taxpayers, to check to make sure you are on RRA’s list.
Amahugurwa ya AMI atangwa kuri interineti: Amasomo ku Guhangana n’Ingorane no Kwigira ku Bandi - Justine
Amahugurwa ya AMI atangwa kuri interineti: Amasomo ku Guhangana n’Ingorane no Kwigira ku Bandi
Ongera ubumenyi bwawe bwo gucunga ibikorwa by’ubucuruzi ubikesheje amahugurwa ya AMI atangwa ku buntu:
Amahugurwa: https://smeresponse.clinic/2020/07/08/ami-business-bootcamp/
Ubuhamya: Justine Ntaganda, Nyiri La Corniche Hotel iherereye i Rubavu na Nyabihu, na Salma Nkusi, Umuyobobozi (ni ibikorwa by’ubucuruzi by’umuryango)
Justine Ntaganda na Salma Nkusi bakorera ibikorwa bya hoteli “La Corniche” ahantu habiri mu Rwanda, Rubavu na Nyabihu. Urwego rwo gucumbira abantu n’ubukerarugendo rwagizweho ingaruka zikomeye n’icyorezo cya COVID-19 kandi muri ibi bikorwa bibiri byuzuzanya, byagaragaye ko amahugurwa yabafashishije gusubiza amaso inyuma, bakunguka ubumenyi bushya bwo gukora ubucuruzi, no gufata ibyemezo bizafasha amahoteli gutera imbere mu gihe kiri imbere.
Ni iki cyakugiriye akamaro kurusha ibindi mu mahugurwa ya AMI?
“Njyewe n’umukobwa wanjye Salma twungukiye bikomeye ku nyigisho zatanzwe na AMI. Njyewe ku giti cyanjye, inama bampaye mu masomo yerekeye imikoranire myiza, zamfashije guhitamo gukoresha uburyo bwa “One Drive” mu rwego rwo gusangira amakuru. Isomo ryerekeye gusesengura ibyo abakiriya bakeneye ni umukoro ukomeye muri iki gihe kubera ko ibyo abakiriya bakeneye byarahindutse cyane. Ni ngombwa ko dusanisha n’igihe ibikorwa by’ubucuruzi byacu kugira ngo bibashe gukomeza.” ~ Justine Ntaganda
Tubikesheje amasomo ya AMI, ubu tugenzura ibitabo by’ubucuruzi buri cyumweru, tugakurikirana amafaranga yinjiye n’ayasohotse, kandi tukaba twabazwa ku nshingano zacu. Ubu dusigaye dukorana inama ya buri cyumweru n’abakozi, tugakoresha amakuru, tugafata n’ibyemezo bitewe n’uko ibikorwa bihagaze. Urugero: nihe dukwiye kugabanya amafaranga akoreshwa?
Aya masomo adufasha mu micungire y’ibikorwa bya buri munsi, kandi ibyo bigishije mu mahugurwa byarumvikanaga. Ikindi, isomo rijyanye no gushyiraho intego ryari ryiza cyane. Ubu, twese hamwe nk’itsinda rimwe, turaganira, tukanatekerereza hamwe ku ntego zacu z’igihe kirekire kandi tukazishyira mu nyandiko. Ibi bidufasha kumenya ibyihutirwa no gufatira hamwe icyemezo ku bijyanye no gukurikirana iterambere ryacu twese hamwe.
“AMI imfasha gushyira mu bikorwa ibi bitekerezo byose bishya nari mfite ariko bitari byanditse, kandi bitari bifite igihe runaka cyo kubishyira mu bikorwa –Amasomo ni meza cyane, kandi no kwita ku bijyanye n’ingengo y’imari y’ikigo nacyo ni ikintu tugomba gukora mu rwego rwo gukorana n’amabanki kugira ngo tubone amafaranga.” ~ Salma Nkusi
Ni gute AMI yagufashije?
Kuri njye, byabaye nko gusubira ku ishuri, bimfasha gutera imbere ku giti cyanjye, bigirira n’akamaro ibikorwa by’ubucuruzi byacu. AMI ntiyadufashije gukora ingengo y’imari gusa, ahubwo yanadufashije kumenya kuganira n’abakozi kugira ngo basobanukirwe impamvu dufata ibyemezo bijyanye n’imari tuba tugomaba gufata.
Ikindi kintu cy’ingenzi AMI yadufashijemo ni uburyo bw’imitekereze ya buri munsi bise “New Rise”. Ni ubundi buryo bwo gutangira umunsi wawe usukura ibitekerezo byawe, imihumekere, ukanategura gahunda yawe aho gukanguka umeze nk’aho ibintu byose ukora bigutunguye.
Ongera ubumenyi bwawe bwo gucunga ibikorwa by’ubucuruzi ubikesheje amahugurwa ya AMI atangwa ku buntu:
Amahugurwa: https://smeresponse.clinic/2020/07/08/ami-business-bootcamp/
AMI Online Bootcamp: Tools for Managing Risk and Learning from Others
Improve your business management skills with AMI’s free Bootcamp and Trainings:
Bootcamp: Tuesday, July 14th, 2020 – https://www.africanmanagers.org/rwandabusinessbootcamp/
Testimonial: Justine Ntaganda, Owner, La Corniche Hotel in Rubavu and Nyabihu, and Salma Nkusi, Manager (it is a family business)
Justine Ntaganda and Salma Nkusi operate the “La Corniche” hotels in two locations in Rwanda, Rubavu and Nyabihu. The hospitality and tourism industry has been hard-hit by the COVID-19 pandemic and the mother-daughter team has found that the AMI trainings have provided an opportunity to take a step back, learn new business skills, and make decisions that will help the hotels to thrive in the future.
What was most valuable for you about the AMI trainings?
“My daughter Salma and I have benefited enormously from the tools shared by AMI. For me personally, the advice shared on tools for better collaboration helped us to choose to use “One Drive” to share information. The tool for analyzing clients’ needs was also an interesting exercise during this time because demand has changed a lot. It is important that we adapt and continue to do our business.” ~ Justine Ntaganda
With the AMI tools, we are now able to check our books on a weekly basis, track cashflow and be accountable. Now, we even have a meeting on a weekly basis with our staff using the data and make decisions about where we stand. Where do we need to cut, for example?
These tools are helping with day-to-day management and the trainings have provided content in an understandable way. What’s more, the session on goal setting has been very great. Now as a team we talk and think together about our long-term goals and put them in writing as well. This helps us to prioritize and to decide how we will track our progress together.
“AMI is pushing me towards the implementation of all of these new ideas that I had but weren’t written down, and didn’t have a timeline –the tools are great, and looking at budgeting of the organization is something that we need to have in place for banks in terms of funding, too.” ~ Salma Nkusi
How has AMI supported you?
For us, it has been like going back to school, only for our personal growth and for the benefit of our business. AMI has helped us create a budget, and not only that, but to learn how to communicate with our staff so that they clearly see that there are reasons that we make the financial decisions we need to make.
One other interesting area of support from AMI is their “A New Rise” daily meditation. It’s another way to start your day by clearing your mind, breathing, and planning instead of waking up and feeling as if you are just facing emergencies.
Improve your business management skills with AMI’s free Bootcamp and Trainings:
Bootcamp: Tuesday, July 14th, 2020 – https://www.africanmanagers.org/rwandabusinessbootcamp/
Iyandikishe uyu munsi!/ Sign Up Today!
Inkomoko yatangije «Ikigega cy’ingoboka cy’Inkomoko» kizatanga imfashanyo ku Bigo by’ubucuruzi Bito n’Ibiciriritse mu Rwanda
Kuwa 03 Nyakanga, Inkomoko, Nathalie Niyonzima
Inkomoko yatangije «Ikigega cy’ingoboka cy’Inkomoko» kizatanga imfashanyo ku Bigo by’ubucuruzi Bito n’Ibiciriritse mu Rwanda
Itsinda ry’abantu bo muri SME Response Clinic bagize amahirwe yo kuganira na Nathalie Niyonzima, Umuyobozi Mukuru w’Inkomoko mu Rwanda ku bijyanye n’Ikigega gishya kigamije kugoboka Ibigo by’ubucuruzi Bito n’Ibiciriritse mu kuzahura ibikorwa by’ubucuruzi byabo mu gihe cy’icyorezo cya COVID-19.
Inkomoko yatangije «Ikigega cy’ingoboka cy’Inkomoko» – gahunda yo gutanga imfashanyo ku Bigo by’ubucuruzi Bito n’Ibiciriritse mu Rwanda. Umunsi wo gutangiza icyo Kigega ku mugaragaro ni kuwa gatanu tariki 17 Nyakanga, kandi iyo gahunda iboneka ku rubuga rwa interineti: www.inkomoko.com. Ni imfashanyo izatangwa inshuro imwe ku bikorwa by’ubucuruzi byayisabye kandi byujuje ibisabwa mu rwego rwo kubifasha gukemura ibibazo batewe n’ibihombo bigize mu gihe cya “guma mu rugo” bitewe na COVID-19.
Iyi gahunda yamaze gutangizwa ku bakiriya b’Inkomoko kandi izatangizwa no ku bandi batari abakiriya b’Inkomoko kuwa 17 Nyakanga. Kugeza ubu, ba rwiyemezamirimo 1400 bamaze guhabwa iyi mfashanyo mu Rwanda.
Iki kigega nikimara gutangira, Ibigo by’ubucuruzi Bito n’Ibiciriritse mu Rwanda hose, bizaba byemerewe gusaba iyo mfashanyo. Imfashanyo izatangwa binyuze mu nzira y’ihiganwa kandi abasaba imfashanyo bagomba gutanga ibi bikurikira:
- Kuba banditse muri RDB cyangwa muri RCA
- Kuba baratanze umusoro w’ipatanti wa 2020
- Kugaragaza ko ibyo binjiza byagabanutse bitewe n’icyorezo cya Covid-19
- Kugaragaza ubushobozi bwo kongera kugeza ku byo binjizaga mbere y’icyorezo cya COVID-19 mbere y’uko umwaka urangira
- Kugaragaza ubushobozi bwo guhanga imirimo mishya cyangwa kugumana abakozi
- Inyandiko igaragaza imikoreshereze ya konti kuva mu Kuboza 2019 kugeza muri Gicurasi 2020
- Raporo y’imikoreshereze y’amafaranga kuva mu Kuboza 2019 kugeza mu Kuboza 2020
- Raporo y’itubyamutungo n’iyongeramutungo
- Ifoto y’umutungo
Ibyo bikorwa by’ubucuruzi bitanga akazi, biboneka mu nzego zahungabanye cyane nk’ubukerarugendo no gucumbikira abantu cyangwa inganda zikorera ibintu bitandukanye mu Rwanda – nk’abakora ibikoresho bitandukanye byo mu mbaho n’ibyuma, imyenda, n’ibindi – ubusanzwe byatumizwaga mu mahanga, ni byo bizahabwa umwihariko mu guhabwa imfashanyo. Ibikorwa by’ubucuruzi bitanga umusaruro mwinshi bibarizwa mu nzego zahawe umwihariko nk’ishoramari mu buhinzi, inganda nto, hamwe n’abandi bakorera ibintu mu Rwanda ubusanzwe byatumizwaga hanze, barashishikarizwa gusaba iyo mfashanyo.
Inkomoko izigana ubushishozi dosiye z’abasaba imfashanyo hasuzumwa niba abasaba bujuje ibiteganywa n’Ikigo cy’ihererekanyamakuru ku myenda, kandi nibiba ngombwa izajya ibasura aho bakorera.
Ku bafite Ibigo by’ubucuruzi Bito n’Ibiciriritse bifuza gukorana n’Ikigega, bakomeza gusura urubuga rwa interineti hamwe n’imbuga nkoranyambaga by’Inkomoko kugira ngo babone ibisobanuro birambuye mu minsi iri imbere.
«Ni nk’igitonyanga mu nyanja, kandi turabizi ko hakenewe byinshi birenzeho, ariko iki Kigega kigamije gufasha Ibigo by’ubucuruzi Bito n’Ibiciriritse kuva muri ibi bibazo by’ubukungu, kubona ibicuruzwa cyangwa serivisi, kwitabira ikoranabuhanga, cyangwa kongera kubona abakiriya, abakozi, n’inyungu.»
Ikigega cy’ingoboka cy’Inkomoko kiri gutangizwa ku nkunga ya MasterCard Foundation.
Uramutse wifuza kumenya birambuye amakuru yerekeye Inkomoko no gukomeza kumenya amakuru agezweho ku bijyanye n’itangizwa ry’iki kigega, wasura imbuga za interineti zikurikira:
- Urubuga rwa interineti: inkomoko.com
- Facebook: https://www.facebook.com/inkomoko/
- Twitter: https://twitter.com/inkomoko
- Instagram: https://www.instagram.com/inkomoko/
July 3, Inkomoko, Nathalie Niyonzima
Inkomoko Launches the “Inkomoko Relief Fund” to Provide Grants SMEs in Rwanda
The SME Response Clinic team had the opportunity to speak with Nathalie Niyonzima, the Managing Director of Inkomoko in Rwanda about a new grant designed to help SMEs in their recovery during the period of COVID-19. get back to business.
Inkomoko is launching the “Inkomoko Relief Fund” – a grant program for SMEs in Rwanda. The opening date will be Friday, July 17, and can be found at www.inkomoko.com. This is a, one-time grant that will be offered to those businesses that apply and qualify to help them deal with losses during the COVID-19 lockdown.
The grant has already been launched for Inkomoko clients and will be opened up to non-Inkomoko clients on July 17. So far, over 1,400 entrepreneurs in Rwanda have benefited from this grant.
Once launched, SMEs and MSMEs across the country will be eligible to apply for the grant. The grant will be offered on a competitive basis, and to apply, applicants will need to provide:
- Be registered with RDB or RCA
- Have 2020 Patent tax
- Show a decrease in revenue due to Covid-19
- Show the potential to grow back to pre-COVID revenue by year-end
- Show the potential to create jobs or maintain employees
- bank statements from December 2019 to May 2020
- cashflow statement from December 2019 to December 2020
- P&L statement
- Balance Sheet
Those businesses that create jobs, are in hard-hit sectors like tourism and hospitality or do local manufacturing of items – like furniture, clothing, and others – that are normally imported will be a focus for the grant. Businesses with high growth potential in priority sectors such as agribusinesses, light manufacturing as well as other business that offer locally made products that are normally imported are encouraged to apply.
Inkomoko will do due diligence on applicants, ensuring that they are in good standing the Credit Reference Bureau, as well as carry out site visits if deemed necessary.
If you are an interested SME, stay tuned by watching Inkomoko’s website and social media for more instructions. In the coming days.
“It is a drop in the ocean, and we know that there is so much that is needed, but this grant is meant to help those SMEs to re-emerge from recent economic challenges, pivot products or services, go digital, or regain customers, staff, and revenue.”
The Inkomoko Relief Fund is being offered with the support of the MasterCard Foundation.
To learn more about Inkomoko and to stay updated on the launch for the fund, see:
- Website: inkomoko.com
- Facebook: https://www.facebook.com/inkomoko/
- Twitter: https://twitter.com/inkomoko
- Instagram: https://www.instagram.com/inkomoko/
Ingamba zo kuzahura ubucuruzi zafashwe kuri ba rwiyemezamirimo b'abagore mu gihe cy'icyorezo cya COVID-19 na nyuma yacyo
Ingamba zo kuzahura ubucuruzi zafashwe kuri ba rwiyemezamirimo b’abagore mu gihe cy’icyorezo cya COVID-19 na nyuma yacyo.
New Faces New Voices Rwanda ku bufatanye na SME Response Clinic, izacisha ikiganiro kirimo kuba ako kanya ku ipaji yayo ya Facebook ku kuntu ingamba za Leta n’iz’Urwego rw’abikorera zo guhangana n’ingaruka za COVID-19 zafasha ba Rwiyemezamirimo b’abagore. Icyo kiganiro kizacishwa ku ipaji ya Facebook ya SME Response Clinic saa 15:00 kuwa 16 Nyakanga, na ururimi ruzakoreshwa cyane mu nama ni Ikinyarwanda.
Ibigo by’ubucuruzi bito n’ibiciriritse bigira uruhare rukomeye mu bukungu bw’u Rwanda, kandi bikanatunga abantu benshi. Hashingiwe ku ibarura ryakozwe mu 2017 n’Ikigo cy’Igihugu cy’Ibarurishamibare ku bikorwa by’ubucuruzi n’imirimo mu Rwanda, uru rwego, harimo n’abikorera ku giti cyabo n’amakoperative, byihariye 99% by’ibikorwa by’ubucuruzi na hejuru ya 70% by’imirimo yose. Ba Rwiyemezamirimo b’abagore bafatiye runini ubukungu bw’u Rwanda. Imibare yatanzwe na Politiki y’Uburinganire mu Rwanda igaragaza ko abagore bayobora 42 ku ijana by’ibigo by’ubucuruzi, kandi bakaba bihariye 58 ku ijana by’ibigo by’ubucuruzi bibarizwa mu bucuruzi butanditse, bigira uruhare rwa 30 ku ijana mu Musaruro mbumbe w’Igihugu. Ubushakashatsi butandukanye bukorwa mu Gihugu bugaragaza kandi ko ba Rwiyemezamirimo b’abagore bagira uruhare rukomeye mu guhanga imirimo mu Rwanda, aho abenshi baha akazi hagati y’abakozi batatu na batanu mu bikorwa by’ubucuruzi byabo.
Uretse uruhare bagira mu guteza imbere aho batuye binyuze mu gutanga akazi, ba Rwiyemezamirimo b’abagore banagira uruhare runini mu iterambere ry’imiryango yabo mu buzima ndetse n’imirire, aho batanga amafaranga y’ishuri, bakarihira abana babo mu mashuri makuru, kandi bagateza imbere ingo zabo babikesheje ubucuruzi bwabo. Ariko nubwo batanga uwo musanzu, ntihabura n’imbogamizi. Ba Rwiyemezamirimo b’abagore mu Rwanda bahura n’ibibazo mu kugera ku bintu bitatu by’ingenzi bikurikira : amakuru, amahugurwa ku bumenyi bwo gukora no guteza imbere ibikorwa by’ubucuruzi, no kubona imari. Babangamirwa n’ibibazo bitandukanye nk’imisoro ihanitse, ikiguzi cyo gutwara ibicuruzwa, ndetse no gukorerwa ivangura rishingiye ku mutungo.
Nk’uko bimeze no mu yandi masoko atandukanye ku Isi, ba Rwiyemezamirimo b’abagore mu Rwanda bagizweho ingaruka n’icyorezo cya COVID-19, kandi ingamba zo guhagarika ikwirakwira ry’iyo virusi zatumye imbogamizi bahura nazo zirushaho kugira ubukana. Bitewe n’uko abaguzi bagabanutse no kuba gukwirakwiza ibicuruzwa bidakorwa neza, abantu benshi babuze akazi cyangwa barenda kukabura, mu gihe inguzanyo, imisoro n’ubukode bitishyurwa. Mu rwego rwo guhangana n’iki kibazo, Guverinoma y’u Rwanda yatangije Ikigega cyo Kuzahura Ubukungu nk’uburyo bwo kugabanya ingaruka icyorezo cya COVID-19 kiri kugira kuri uru rwego. Hashingiwe ku mbogamizi zizwi abagore bari mu bikorwa by’ubucuruzi bahura nazo, hari impungenge ko hadashyizweho ingamba zifatika, Ibigo by’ubucuruzi Bito n’Ibicirirtse bifitwe cyangwa biyobowe n’abagore bishobora kutamenya amakuru, bityo bigatuma batitabira Ikigega cyo Kuzahura Ubukungu uko bikwiye.
Mu rwego rwo gutanga amakuru ku Kigega cyo Kuzahura Ubukungu no ku zindi ngamba zihari za Leta n’iz’Urwego rw’abikorera zo gushyigikira ba Rwiyemezamirimo b’abagore muri ibi bihe bigoye, New Faces New Voices Rwanda, ku bufatanye na SME Response Clinic izacisha ikiganiro kirimo kuba ako kanya ku ipaji yayo ya Facebook ku buryo ingamba za Leta zo guhangana n’ingaruka za COVID-19 zafasha ba Rwiyemezamirimo b’abagore. Icyo kiganiro kizanyura ku ipaji ya Facebook ya SME Response Clinic saa 15:00 kuwa 16 Nyakanga. Mu rwego rwo kugira ngo ba Rwiyemezamirimo b’abagore benshi babashe kugikurikirana, muri icyo gikorwa hazakoreshwa Ikinyarwanda cyane.
Abazatanga ibiganiro barimo:
Dr. Monique Nsanzabaganwa; Umuyobozi Wungirije wa Banki Nkuru y’ u Rwanda,
Jeanne Françoise Mubiligi; Umuyobozi w’Ishami ry’Abagore mu Rugaga rw’Abikorera,
Claude Kabutware; Uhagarariye Imishinga muri Pro- Femmes Twese Hamwe, na Hannington Namara, Umuyobozi Mukuru wa Equity Bank, Rwanda.
Ibiganiro bizayoborwa na Ida Ingabire, Umunyamabanga wa New Faces, New Voices Rwanda na Ruziga Emmanuel Masantura, Umuyamakuru mu Bukungu Rwanda Broadcasting Agency.
Iki kiganiro kizaba ari igice cya mbere cy’ibiganiro bibiri bizakorwa n’abafatanyabikorwa b’ingenzi mu bukungu bw’u Rwanda. Inama ya kabiri iteganyijwe kuwa 30 Nyakanga, kikaba kizibanda ku buryo abatanga serivisi z’imari bari gufasha by’umwihariko mu gukemura ibibazo ba Rwiyemezamirimo b’abagore bahura nabyo kubera COVID-19.
Relief Measures Available for Women Entrepreneurs During and Post COVID-19
New Faces New Voices Rwanda in collaboration with the SME Response Clinic will be hosting a live discussion focused on existing government relief measures that can help support women entrepreneurs during and post COVID-19. The discussion will be hosted on the SME Response Clinic’s Facebook page at 3:00 pm on July 16 and will be held primarily in Kinyarwanda.
Micro, small, and medium enterprises (MSMEs) play a significant role in the Rwandan economy and contribute to sustain livelihoods for many. According to the National Institute of Statistics of Rwanda’s Establishment Census 2017, the sector, including private sector and cooperatives, represents 99% of businesses and over 70% of in-establishment employment. Women entrepreneurs are a vital force in Rwanda’s economy. Statistics from the National Gender Policy in Rwanda indicate that women head 42 percent of enterprises and comprise 58 percent of enterprises in the informal sector, which accounts for 30 percent of GDP. National surveys indicate that women entrepreneurs also have a tremendous impact on job creation in Rwanda, with many hiring between 3 and 5 employees to work in their businesses.
In addition to contributing to the development of their local communities through offering employment opportunities, women entrepreneurs contribute substantially to the development of their families through health and nutrition, ensuring funds are available for school fees and higher education for their children, and making improvements to their homes with profits from their businesses. Their contributions, however, are not without challenges. Women entrepreneurs in Rwanda face difficulties in access to three important factors: information, business skills training and development, and finance. They grapple with issues such as high taxes and transportation costs as well as discrimination in property ownership.
As in many markets across the globe, women entrepreneurs in Rwanda have been adversely affected by the COVID-19 pandemic, and measures to contain the spread of the virus have deepened some of the existing challenges they face. In the face of drops in demand or disruptions in the supply chains, a number of jobs have been lost or are at the brink while loans, taxes and rent are going unpaid. To respond to the challenge, the Government of Rwanda introduced the Economic Recovery Fund (ERF) as a mechanism to mitigate the threats that the pandemic is putting on the sector. Due to known barriers women in business face, there is a legitimate concern that without a deliberate effort women-owned/led MSMEs are likely to remain ill-informed and their uptake of ERF less than optimal.
To provide information about ERF and other private and public sector measures available to support women entrepreneurs in these uncertain times, New Faces New Voices Rwanda in collaboration with the SME Response Clinic will be hosting a live discussion focused on how government measures to address the economic effects of COVID-19 can support women entrepreneurs. The discussion will be hosted on the SME Response Clinic’s Facebook page at 3:00 pm on July 16. To increase accessibility for women entrepreneurs, the event will be held primarily in Kinyarwanda.
Panelists include:
Dr. Monique Nsanzabaganwa, Deputy Governor, National Bank of Rwanda
Jeanne Françoise Mubiligi, Chairperson, Rwanda Chamber of Women Entrepreneurs
Claude Kabutware, Project Coordinator, Pro- Femmes Twese Hamwe
Hannington Namara, Managing Director, Equity Bank Rwanda
The panel will be moderated by Ida Ingabire, Secretariat at New Faces, New Voices Rwanda and Ruziga Emmanuel Masantura, Business Jounalist, Rwanda Broadcasting Agency
This discussion will be the first of a two-part conversation with key stakeholders in the Rwandan economy. The second webinar, scheduled for July 30, will focus on how financial services providers are addressing the specific needs of women entrepreneurs in the face of COVID-19.
Amahugurwa ya AMI atangwa kuri interineti: Amasomo ku Guhangana n’Ingorane no Kwigira ku Bandi - Mathew Rwahigi
Amahugurwa ya AMI atangwa kuri interineti: Amasomo ku Guhangana n’Ibibazo no Kwigira ku Bandi
Ongera ubumenyi bwawe bwo gucunga ibikorwa by’ubucuruzi ubikesheje amahugurwa ya AMI atangwa ku buntu:
Amahugurwa: https://smeresponse.clinic/2020/07/08/ami-business-bootcamp/
Ubuhamya: Matthew Rwahigi, Nyiri Thella Café – Kuwa gatandatu tariki ya 30 Gicurasi, 2020
Matthew Rwahigi, ufite igikorwa cy’ubucuruzi buto ku Gisozi, yahuye n’ibibazo bikomeye igihe gahunda ya “guma mu rugo” yatangiraga muri Kigali bitewe na COVID-19. Ku bw’amahirwe, bitewe n’uko yitabiriye amahugurwa ya AMI ku bikorwa by’ubucuruzi buto, yigiyemo uburyo bwo kuganira n’abamuha ibicuruzwa ndetse n’abo akodeshereza inzu mu rwego rwo gufata ibyemezo bikomeyo byo gutuma ubucuruzi bwe burokoka.
“Ibiganiro hamwe n’ibyo wumvana bagenzi bawe mu gihe cy’amahugurwa ya AMI, bituma wumva utari wenyine. Mbere nabanje kumva ko ahari nahisemo nabi ibikorwa by’ubucuruzi nakoraga, ariko ibi ntibyari byo, ahubwo napfushije ubusa ibyo nari narizigamye nta mpamvu. Ariko iyo wumvise abandi bantu, wumva ko hari abandi bantu benshi musangiye ibibazo. Bityo bikagutera imbaraga zo gukomeza no gushaka ubushobozi bwo kubikemura.”
Ni iki cyakugiriye akamaro kurusha ibindi mu mahugurwa ya AMI?
Icyambere, nize gushyira imbaraga mu gucunga igikorwa cy’ubucuruzi. Nabashije gushyira imbaraga kurushaho ku bucuruzi bwanjye. Kuva natangira gushyira imbaraga ku bucuruzi bwanjye kurushaho – nabonye ko mbere ntakoraga ubucuruzi, sinari narabonye amasomo n’ubumenyi mu gutegura gahunda no gufata ibyemezo bikomeye, nko kwirukana abakozi.
Icyakabiri, nungukiye mu guhura n’abandi no kumenya ibibazo abandi bahura na byo. Ibi byanyigishije byinshi. Rwose mpa agaciro abandi bacuruzi n’ibitekerezo byabo, kugira ngo ibikorwa by’ubucuruzi byanjye bikomeze, ngomba kugirana imikoranire na bo. Ubu nibura mfite ubumenyi, kandi niyo ibi bikorwa by’ubucuruzi byanjye byahagarara, ngatangira ibindi, naba mfite amakuru n’ubushobozi bihagije.
Ni gute AMI yagufashije?
Iyo ukeneye kubaza ikibazo runaka, AMI ikubwira amayeri wakoresha, ikanaguha ibitekerezo. Bafite ipaji ku rubuga rwabo rwa interineti yifashishwa mu gushakisha amakuru ku bucuruzi, iriho ibyo wakenera n’amasomo, kandi ibi ni ingenzi mu rwego rwo gukomeza kongera ubumenyi.
“Itsinda rya AMI ryadufashije rwose kumva ko ubuzma butahagaze, kumva ko hari icyorezo, ariko ko dushobora gukomeza guteza imbere ibikorwa by’ubucuruzi tukabasha kurokoka icyorezo, kandi ko dufite amahirwe yo gukomeza nyuma y’icyorezo.”
Ongera ubumenyi bwawe bwo gucunga ibikorwa by’ubucuruzi ubikesheje amahugurwa ya AMI atangwa ku buntu:
Amahugurwa: https://smeresponse.clinic/2020/07/08/ami-business-bootcamp/
AMI Online Bootcamp: Tools for Managing Risk and Learning from Others
Improve your business management skills with AMI’s free Bootcamp and Trainings:
Bootcamp: Tuesday, July 14th, 2020 – https://www.africanmanagers.org/rwandabusinessbootcamp/
Testimonial: Matthew Rwahigi, Owner, Thella Café – Saturday May 30, 2020
Matthew Rwahigi, a small business owner in Gisozi, was hit hard when the COVID-19 lockdowns began in Kigali. Luckily, as a participant in AMI’s trainings for small businesses, he learned the skills to negotiate with suppliers and his landlords and to make the tough decisions needed to help his business survive.
“The conversations and hearing from other colleagues through the AMI workshops, you feel like you’re not alone. At first I thought maybe I was in the wrong business, this was a bad idea, I just burnt my savings for no good reasons. But then you hear other people and you feel that you are in this with so many others. It gives you the strength to stay the course and find the resources to manage.”
What was most valuable for you about the AMI trainings?
First, I learned to focus on learning how to manage a business. I got to focus a bit on my business. Since I Getting to focus a bit – I hadn’t done business in the past, I did not have the tools and skills to plan and make tough decisions, like having to lay off staff.
Second, I benefited from networking and finding out what other people are going through. I learned a lot from this. I really value the community of business people and their input, because if my business is going to survive, I need these relationships. Now at least I have some knowledge, and if my business doesn’t survive, and if I started another business I would be better informed, and more empowered.
How has AMI supported you?
AMI is there when you need to ask a question, to give you tips and ideas. There is an online business portal with tools and courses, and these are important in continuing to build skills.
“The AMI group really helped us in empowering us to feel that this is not the end of the road, to have a feeling that yes, there is a pandemic but you can still try to tune your business up a bit to survive the pandemic, and even have an opportunity to continue after the pandemic.”
Improve your business management skills with AMI’s free Bootcamp and Trainings:
Bootcamp: Tuesday, July 14th, 2020 – https://www.africanmanagers.org/rwandabusinessbootcamp/
Iyandikishe uyu munsi!/ Sign Up Today!
Guverinoma y’u Rwanda yatangije Ikigega cyo Kuzahura Ubukungu hamwe no Gushyigikira Ibigo by’ubucuruzi Bito n’Ibiciriritse
Guverinoma y’u Rwanda yatangije Ikigega cyo Kuzahura Ubukungu hamwe no Gushyigikira Ibigo by’ubucuruzi Bito n’Ibiciriritse
Ushaka amakuru yose yerekeye Ikigega cyo Kuzahura Ubukungu, wasura urubuga rwa interineti rwa Minisiteri y’Imari n’Igenamigambi (MINECOFIN): Amabwiriza agenga imikorere y’Ikigega cyo Kuzahura Ubukungu .
Ikigega cyo Kuzahura Ubukungu giherutse gutangizwa gishyigikira by’umwihariko ibyiciro by’ Ibigo by’ubucuruzi Bito n’Ibiciriritse bikurikira:
Ushaka amakuru yose kuri iyi nguzanyo, wasoma inyandiko ikurikira: |
Kuwa 02/06/ 2020, Banki Nkuru y’u Rwanda yatangije Ikigega cyo Kuzahura Ubukungu hagamijwe gufasha ibikorwa by’ubucuruzi byahuye n’ibibazo bitewe n’icyorezo cya COVID-19. BNR yabonye ko ari ngombwa gufasha abafite ibikorwa by’ubucuruzi kongera gusubukura ibikorwa byabo no kubungabunga imirimo, kandi ibyo bikorwa bishingiye ku Bigo by’ubucuruzi Bito n’Ibiciriritse.
Hari ubwoko bune bw’ibikorwa by’ubucuruzi icyo Kigega kizibandaho, harimo n’Ibigo by’ubucuruzi Bito n’Ibiciriritse. Ari byo:
- Ibigo by’ubucuruzi binini: Ibigo by’ubucuruzi cyangwa amakoperative afite igicuruzo rusange kirenga miliyoni 500 FRW ku mwaka;
- Ibigo by’ubucuruzi Bito n’Ibiciriritse: Ibigo by’ubucuruzi cyangwa amakoperative afite igicuruzo rusange kiri hagati ya miliyoni 20 na miliyoni 500 FRW ku mwaka.
- Ibikorwa by’ubucuruzi bito: Ibigo by’ubucuruzi cyangwa amakoperative afite igicuruzo rusange kiri munsi ya miliyoni 20 FRW ku mwaka;
- Ibigo by’imari bigira uruhare mu bikorwa by’ubucuruzi: Amabanki n’Ibigo by’imari biciriritse;
Ibyo Bigo by’imari bigira uruhare mu bikorwa by’ubucuruzi byemerewe guhabwa inguzanyo binyuze mu Kigega, byemerewe guhabwa iyo nguzanyo mu gihe cy’imyaka ibiri uhereye igihe amabwiriza ya BNR yashyiriwe umukono. Ikigega kigamije by’umwihariko guha inguzanyo ibikorwa by’ubucuruzi byujuje ibisabwa, by’umwihariko mu byiciro bitatu bikurikira: guha inguzanyo amahoteli, ubukerarugendo no kwakira abantu, imari shingiro n’umwenda ntarengwa ku bigo binini n’ Ibigo by’ubucuruzi Bito n’Ibiciriritse hamwe n’ibikorwa by’ubucuruzi biciriritse.
Amahoteli, Ubukerarugendo no Kwakira ababagana:
Amafaranga yose yagenewe urwego rw’ubukerarugendo agera kuri miliyari 50 FRW. Hashingiwe ku Kigega, bisobanurwa ko “hoteli” ari ikigo gicumbikira, kigaburira, kandi kinatanga izindi serivisi ku babagenderera na bamukerarugendo. Mu gihe ikigo kidafite amacumbi, ntikizashyirwa mu cyiciro cy’ibizahabwa amafaranga.
Amafaranga azahabwa amahoteli yagizweho ingaruka n’icyorezo cya COVID-19 kandi yujuje ibisabwa, azanyuzwa mu mabanki, kandi inyungu ku nguzanyo ntigomba kurenga 5% ku mwaka. Kugira ngo ayo mahoteli ahabwe izo nguzanyo, agomba kuba yari afite inguzanyo yari itarishyurwa mbere yo kuwa 31/05/2020. Ikindi kandi, inguzanyo igomba kuba yarishyurwaga neza kugera mu mpera za Gashyantare 2020.
Ibikorwa by’ubucuruzi bizahabwa inguzanyo, bizahabwa imyaka itatu bitishyura inguzanyo mbere y’uko bitangira kwishyura; muri ikigihe ntibasabwa kwishyura –kandi bahabwa igihe kingana n’imyaka 15 yo kwishyura inguzanyo yose, izatangirwa kwishyurwa nyuma y’imyaka itatu batishyura inguzanyo. Urugero, nuhabwa inguzanyo n’ikigo cy’imari muri Kamena 2020, uzatangira kuyishyura muri Nyakanga 2023.
Imari shingiro n’umwenda ntarengwa:
Mu mafaranga yose yagenewe urwego rw’ubukerarugendo, miliyari 30 FRW zagenewe ibigo binini, mu gihe miliyari 15 FRW zagenewe Ibigo by’ubucuruzi Bito n’Ibiciriritse.
Ibikorwa by’ubucuruzi by’ibigo binini n’ iby’Ibigo by’ubucuruzi Bito n’Ibiciriritse bizahabwa inguzanyo zo kuziba icyuho mu mari shingiro yabyo. Hazashyirwaho n’amafaranga y’inguzanyo ntarengwa azakoreshwa mu gusana, kuvugurura, ibikoresho, no gushora imari mu ikoreshwa ry’ikoranabuhanga, nko kuba hakifashishwa ikoranabuhanga mu kugemura ibicuruzwa no gutanga serivisi. Ibikorwa by’ubucuruzi n’Ibigo by’ubucuruzi Bito n’ibiciriritse byujuje ibisabwa bizahabwa izi nguzanyo inshuro imwe gusa binyuze mu mabanki, kandi bizaba byemerewe amafaranga ashobora kugera kuri miliyo 75 FRW (Ibigo by’ubucuruzi Bito n’Ibiciriritse) na miliyoni 300 FRW (Ibigo binini), hashingiwe ku isesengura rya banki no ku bushobozi bwo kwishyura bw’usaba inguzanyo.
- Kugira ngo ibi bikorwa by’ubucuruzi byemererwe guhabwa izo nguzanyo, hagomba kugaragazwa ko ibyo bikorwa byagize igihombo kigera kuri 50% giturutse ku cyorezo cya COVID-19 (Mutarama – Gicurasi 2020 ugereranyije na Mutarama – Gicurasi 2019) hashingiwe ku Musoro ku Nyongeragaciro (TVA) watanzwe mu Kigo cy’Igihugu cy’Imisoro n’Amahoro (RRA). Ugomba kandi kwerekana icyemezo cy’uko nta birarane by’imisoro wari ufitiye RRA mu mpera za Gashyantare 2020, ukerekana kandi ko wishyuraga neza inguzanyo iyo ari yo yose wari ufite kugeza mu mpera za Gashyantare 2020. Ibikorwa by’ubucuruzi bikeneye ingoboka, ba nyirabyo bagomba kuba bafite inyandiko zerekeye imari n’iz’imisoro ziri ku murongo mbere yo gutanga ubusabe bwabo.
Ku bijyanye n’inguzanyo, mbere na mbere zizahabwa abasa inguzanyo bujuje ibisabwa na BNR:
- Abasa inguzanyo bagaragaza ko izabafasha kuzahura igicuruzo rusange kugera nibura kuri 75% y’urwego bariho mbere y’icyorezo cya COVID-19;
- Abasa inguzanyo bagaragaza ko izabafasha kubungabunga imirimo cyangwa guhanga imishya. Mu kugaragaza ibi, ba nyiribikorwa by’ubucuruzi bagomba kugaragaza umusoro ku Bihembo n’imisanzu y’ubwiteganyirize batangira abakozi mu rwego rwo kugaragaza umubare w’abakozi bari bafite mbere y’icyorezo cya COVID-19, kugira ngo hagaragazwe umubare w’imirimo izabungwabungwa cyangwa imishya izahangwa nyuma ya COVID-19 babikesheje iyo nguzanyo;
- Abasa inguzanyo bagaragaza ko bazongera ingano y’imisoro batanga babikesheje iyo nguzanyo. Ibi bishobora guturuka ku mirimo izabungwabungwa cyangwa igicuruzo rusange kiziyongera bigatuma n’amafaranga yishyurwa imisoro yiyongera. Ibi bigaragarira ku Musoro ku Nyongeragaciro, Umusoro ku Bihembo, n’umusoro ku nyungu wakiriwe.
Niba ibikorwa by’ubucuruzi byawe byaratangiye nyuma ya Gicurasi 2019, ushobora nawe kwemererwa inguzanyo mu gihe werekanye uruhare rwawe mu guteza imbere ubukungu kandi ko COVID-19 yagize ingaruka ku bikorwa by’ubucuruzi byawe. Ugomba kandi kuba ufite inyandiko zigaragaza izo ngaruka ku gicuruzo rusange cyawe.
Ku bijyanye n’imari shingiro cyangwa umwenda ntarengwa:
Banki zizaba zifite ubushobozi bwo gutanga izi nguzanyo ku Bigo by’ubucuruzi Bito n’Ibiciriritse ku nyungu ya 8% mu gihe cy’imyaka itanu, harimo n’umwaka umwe wo kutishyura inguzanyo. Usaba inguzanyo wese uzahabwa iyi nguzanyo, azaba ayemerewe inshuro imwe gusa mu kigo kimwe.
Inguzanyo ku bikorwa by’ubucuruzi bito:
Mu mafaranga yose yagenewe urwego rw’ubukerarugendo, miliyari 3 FRW (miliyari 1 RWF yagenewe abafite ibikorwa by’ubucuruzi bito bagana Ibigo by’imari iciriritse na miliyari 2 FRW yagenewe abakiriya ba SACCO).
Abafite ibikorwa by’ubucuruzi bito bujuje ibisabwa bazahabwa inguzanyo zo kubafasha kuzahura ibikorwa byadindijwe na COVID-19. Izi nguzanyo zizatangwa binyujijwe mu Bigo by’Imari Iciriritse bifite uburyozwe buhinnye. Abasaba inguzanyo bazaba bemerewe guhabwa amafanga agera kuri miliyoni 5 FRW inshuro imwe gusa binyujijwe muri ibi Bigo by’Imari Iciriritse, hashingiwe ku isesengura ryakozwe n’Ikigo cy’Imari Iciriritse ndetse no ku bushobozi bwo kwishyura.
Ibigo bito bizahabwa inguzanyo bigomba kuba byujuje ibi bikurikira:
- Abasaba inguzanyo bagomba kuba bafite ibikorwa by’ubucuruzi byanditswe ku buryo bwemewe n’amategeko nk’ikigo cy’ubucuruzi, koperative cyangwa nk’uwikorera;
- Abasaba inguzanyo bagomba kugaragaza ingaruka za COVID-19 berekana ko bagize nibura igihombo cya 50% (Mutarama – Gicurasi 2020 ugereranyije na Mutarama – Gicurasi 2019), bifashishije Umusoro ku Nyongeragaciro batanze mu Kigo cy’Igihugu cy’Imisoro n’Amahoro (RRA) nk’urugero.
- Abasaba inguzanyo bagomba kugaragaza icyemezo cya RRA cyo kutabamo ibirarane by’umusoro kugeza mu mpera ya Gashyantare 2020 mu rwego rwo kugaragaza ko bishyuraga imisoro neza mbere y’icyorezo;
- Abafite ibikorwa by’ubucuruzi bito basaba izi nguzanyo bagomba kugaragazo ko bishyuraga neza inguzanyo iyo ari yo yose bari bafite kugeza mu mpera ya Gashyantare 2020;
- Hari ibikorwa by’ubucuruzi bito biba bitanditse mu Musoro ku Nyongeragaciro. Ba nyirabyo bashobora kwereka Ikigo cy’Imari Iciriritse bakorana izindi nyandiko mu rwego rwo kugaragaza ingaruka COVID-19 yabagizeho. Ushaka kumenya ibisabwa, wakwegera Ikigo cy’Imari Iciriritse mukorana bakaguha amakuru yose.
Ibikorwa by’ubucuruzi bito byose bizahabwa inguzanyo binyuze mu Kigega, bizayihabwa ku nyungu ya 8% ku mwaka, binahabwe n’igihe cy’amezi atatu yo kutishyura. Uhabwa iyi nguzanyo wese, ayihabwa inshuro imwe gusa kandi mu kigo kimwe gusa.
Ni gute nakorana n’Ikigega cyo Kuzahura Ubukungu?
Ushaka guhabwa iyi nguzanyo, wakwegera Ikigo cy’Imari mukorana. Ikigo cy’ubucuruzi giciriritse icyo ari cyo cyose cyangwa abandi bafite ibikorwa by’ubucuruzi bifuza gukorana n’Ikigega, bazatanga inyandiko isaba inguzanyo muri banki cyangwa Ibigo by’Imari Iciriritse bakorana nabyo, hanyuma bige dosiye yawe, bagusabe izindi nyandiko za ngombwa, banarebe niba wujuje ibisabwa kugira ngo uhabwe inguzanyo. Ushobora kubona urutonde rw’amabanki na nomero z’abakozi bazo wahamagaraho ku rubuga rwa interineti rwa SME Response Clinic.
Ushobora no kwandikira Minisiteri y’Imari n’Igenamigambi ukayigezaho ibibazo byawe ubinyujije kuri erf@minecofin.gov.rw.
Icyitonderwa: Kuba warujuje neza dosiye yawe, kuba warishyuye neza inguzanyo wigeze gufata cyangwa wishyura neza izo ufite, no kugaragaza igihombo watewe na COVID-19, bizagufasha gukorana n’Ikigega cyo Kuzahura Ubukungu binyujijwe muri banki mukorana. Ibyemezo byose bizafatwa n’amabanki ashingiye kuri dosiye ya buri muntu kugira ngo ayo mafaranga azakoreshwe neza kandi ahabwe ibikorwa by’ubucuruzi biyakwiriye koko.
Ibyifashishijwe mu gutegura iyi nyandiko:
Itangazo 3000/2020 – 04931/0010BNR [902.4]. Banki Nkuru y’u Rwanda.
Amabwiriza agenga imikorere y’Ikigega cyo Kuzahura Ubukungu . MINECOFIN. May 2020.
Government of Rwanda Launches Economic Recovery Fund – Including Support to SMEs
For full information on the Economic Recovery Fund, please see the website of the Ministry of Finance and Economic Planning (MINECOFIN): Economic Recovery Fund Operational Guidelines.
| The newly launched Economic Recovery Fund includes key areas of support to SMEs:
For a full description of the Fund, please read the article below.
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On June 2nd, 2020, the National Bank of Rwanda launched the Economic Recovery Fund, with the goal of providing support to those businesses hit hardest by the COVID-19 pandemic. BNR has recognized the need to help businesses resume their operations and safeguard employment, and SMEs are core to the response.
There are four categories of businesses that are targeted through the Fund, including SMEs. These are:
- Large Corporate Businesses: Those companies or cooperatives with annual turnover of greater than FRW 500 million;
- Small and Microenterprises (SMEs): Those companies or cooperatives with an annual turnover between FRW 20 Million and FRW 500 Million.
- Micro Businesses: Companies or cooperatives with an annual turnover of less than FRW 20 million;
- Participating Financial Institutions or PFIs: Banks and Limited Microfinance Institutions;
Those participating financial institutions who are eligible for financing through the Fund will have access for a period of two years, beginning with the signature of the BNR directive. The Fund has a specific focus on refinancing for those businesses who will be deemed eligible, especially in three areas: hotel, tourism and hospitality refinancing, working capital and lines of credit for corporations and SMEs, and micro businesses.
Hotels, Tourism and Hospitality:
Funds allotted for the tourism industry overall total 50 Billion RWF. Under the fund, a “hotel” refers to an establishment providing accommodation, meals, and other services for travelers and tourists. If the establishment does not provide accommodation will not be treated under the refinancing window category.
Refinancing for hotels negatively affected by COVID-19 and eligible for the facility will be available through banks, and interest rates for these loans will not exceed 5.0% per annum. To access these loans, hotels must have a current loan that was still outstanding prior to May 31st, 2020. Importantly, the loan must have been performing as of the end of February, 2020.
Those businesses receiving refinancing will have a three-year grace period, a period in which they are not required to make repayments – as well as a period of up to 15 years to repay in full , which will commence after the three-year grace period. For example, if you receive a loan in June 2020 from a financial institution, your repayment will start from July 2023.
Working capital and lines of credit:
Funds allotted for the tourism industry overall total 30 Billion RWF for large companies and 15 Billion RWF for SMEs.
Large corporate businesses and SMEs will have access to financing to cover needs for working capital. There will also be lines of credit available to cover expenses for repairs, restorations, equipment, and investment in technological solutions, such as moving to online distribution channels. Eligible businesses and SMEs will also access these facilities through banks one time only, and will have access to up to FRW 75 million (SMEs) and FRW 300 Million (large corporations), subject to the bank’s assessment and the borrower’s capacity to repay.
To be eligible, these businesses must demonstrate a 50% loss due on their operations to COVID-19 (January – May 2020 vs. January – May 2019) based on VAT returns submitted to RRA. You must also present your RRA tax clearances as of the end of February 2020, and demonstrate that any existing loans were performing at the end of February 2020. It will be of the utmost importance that those businesses seeking relief have their financial and tax paperwork in order to make their applications.
In terms of loans, priority will be given to borrowers fitting certain criteria outlined by BNR:
- Borrowers who demonstrate that the Fund can aid in a recovery of business turnover to at least 75% of pre-COVID-19 levels;
- Borrowers that demonstrate that the Fund will either help to preserve existing jobs or create new employment. To demonstrate this, businesses will need to show PAYE and Social Security Returns to prove number of employees pre-COVID, and demonstrate the number of jobs that will be preserved or created post-COVID through access to the Fund;
- Borrowers that demonstrate an increased fiscal contribution through accessing the Fund. This could be through jobs preserved or increased turnovers that result in an increase in tax payments. This can be demonstrated through VAT, PAYE, and income tax receipts.
If your business began operating after May of 2019, you may still be considered if you can demonstrate both your contribution to economic development and the negative impact on your business from COVID. Again – you must have the paperwork to show the negative trend on your turnover.
In terms of working capital or lines of credit:
Banks will have the ability to grant these facilities to SMEs at an interest rate of 8.0% over a period of five years, with a grace period of one year. Any borrower accessing these facilities can do so only once, from one institution.
Micro business financing:
Funds allotted for the tourism industry overall total 3 Billion RWF (1 Billlion RWF for microbusiness clients of MFIs and 2 Billion RWF for SACCO clients).
Eligible micro businesses will have access to financing to help recover from COVID-19. Lending for these funds will be provided through Limited Liability Microfinance Institutions (MFIs). Borrowers will be able to access up to FRW 5 million through these MFIs one time only, based on an assessment by the MFI and the borrower’s ability to repay.
Eligible microbusinesses must meet the following criteria:
- Borrowers must have a legally registered business as a company, cooperative or sole proprietor
- Borrowers must demonstrate the negative impact of COVID-19 by proving at least 50% losses (January – May 2020 vs. January – May 2019), using VAT returns submitted to RRA as a reference
- Borrowers should be able to show their RRA tax clearance certificates as of the end of February 2020 to demonstrate good tax standing prior to the pandemic
- Micro businesses seeking these loans must show that any existing loans were in good standing as of the end of February 2020
- Some micro businesses are not eligible for VAT registration. These may show their MFI other paperwork to demonstrate the negative impact of COVID-19. To find out what is needed, talk with your MFI for more information
Any micro business receiving a loan through the Fund will receive an interest rate of 8.0% per annum and a loan term of three years with a grace period of three months. Any borrower accessing these facilities can do so only once, from one institution.
How do I access the Economic Recovery Fund?
To access the fund, talk with your financial institution. Any SMEs or other businesses wishing to access the Fund will submit their loan application directly to their bank or MFI, who will review your paperwork, request any additional documents needed, and assess your eligibility for the Fund. You can find the list of Banks with contact numbers of dedicated staff in the SME clinic website.
You may also write directly to MINECOFIN with questions at erf@minecofin.gov.rw.
Remember: Being able to present your paperwork, your good standing with any previous or outstanding loans, and your losses due to COVID will be key in accessing the Economic Recovery Fund through your bank. All decisions will be made by banks on a case by case basis, so that these funds can be used in the most prudent and responsible way possible and businesses that need them will have access.
Reference:
Announcement 3000/2020 – 04931/0010BNR [902.4]. National Bank of Rwanda.
Economic Recovery Fund Operational Guidelines. MINECOFIN. May 2020.