Amakoperative

Abanyamuryango, imigabane, inguzanyo n'ibitabo ahantu hamwe horoshye. Raporo za RCA n'ibihe ntarengwa (deadlines) nk'uko bigenwa n'itegeko rigenga amakoperative.

Tangira igerageza ku buntu Vugana natwe

Ntuzi neza icyo muri cyo? Kora isuzuma ry'umunota umwe

Ibyo amakoperative abona

Urugero: abahinzi, abamotari, abanyabukorikori n'abadozi, abacuruzi, amakoperative y'ubwikorezi n'ay'imiturire, n'amakoperative yo kuzigama no kuguriza (SACCO).

Igitabo cy'abanyamuryango cyivugurura ubwacyo. Andika abanyamuryango ukoresheje indangamuntu zabo. Nimero z'ubunyamuryango zitangwa ubwazo.
Buri faranga rigira icyemezo cyaryo. Undi muntu yemeza buri bwishyu mbere y'uko bubarwa. Ikosa rikosorwa n'iseswa ryandika impamvu yaryo, ntabwo ari ugusiba inyandiko.
Inguzanyo kuva ku busabe kugeza ku kwishyura kwa nyuma. Buri ntambwe ikorwa n'umuntu utandukanye.

Ibitabo byanyu byiyandika uko mukora.
Ntugomba kuba umucungamari.
Raporo RCA itegereje, ziteguye koherezwa.
Inyandiko z'umwaka zoherezwa RCA muri dosiye imwe ya ZIP.
Mugabane inyungu nk'uko itegeko ribiteganya.
e-Mali itanga igabanywa riteganywa n'ingingo ya 97 kandi ikabara inyungu ya buri munyamuryango hashingiwe ku migabane yishyuye.
Kuva ku mpapuro cyangwa Excel.
Uzuza icyitegererezo cyacu cya Excel mu ndimi ebyiri. e-Mali igenzura buri murongo ikakwereka amakosa yose.

Uko amakoperative akora mu Rwanda

Buri munyamuryango ashobora kureba amafaranga ye.

Abanyamuryango binjira bakoresheje nimero ya telefoni na PIN. Babona ubwizigame bwabo, imigabane, inguzanyo n'inyungu, kandi bashobora kohereza ubwishyu bufite ifoto y'inyemezabwishyu.

Tangira igerageza ku buntu

Ibibazo bya buri munsi by'itsinda rikoresha ikaye.

Amakoperative n'ibimina byinshi biracyakoresha amakaye, Excel n'isanduku. Dore ibibazo biterwa n'ibyo, n'icyo e-Mali ihindura.

Inyandiko n'icyizere

Inyandiko zanyu zirarinzwe, n'iyo ikaye yabura. Imvura, umuriro cyangwa igikapu cyabuze bishobora gusiba inyandiko z'imyaka myinshi. Muri e-Mali zibikwa kuri interineti, aho kubikwa mu gikapu cy'umuntu umwe.
Menya ubwizigame bwawe igihe cyose, si ku munsi w'inama gusa. Abanyamuryango bireba ubwizigame n'inguzanyo zabo kuri telefone, aho kubaza umwanditsi bakizera ibyo ababwiye.
Nta "Narishyuye ariko ntibyanditswe" ukundi. Buri bwishyu buherekezwa n'icyemezo cyabwo kandi bukagenzurwa n'undi muyobozi, bityo nta mpaka zibaho.
Abayobozi barahinduka. Inyandiko zigumaho. Iyo umubitsi agiye mu rugendo, arwaye cyangwa avuye ku mwanya, umusimbuye akomereza aho yari ageze.

Amafaranga n'imibare

Buri faranga ribarwa neza, buri gihe. Inyungu, amande n'imisanzu bibarwa mu buryo bwikora, bityo igiteranyo ntigishingira ku mibare y'umuntu.
Buri nguzanyo n'ubwishyu bwatinze ubibona ako kanya. Reba uwagurijwe, ibisigaye kwishyurwa n'uwatinze, utabanje gushakisha mu mpapuro.
Gusoza umwaka mu minota, aho kuba ibyumweru. Inyungu z'abanyamigabane muri koperative n'igabana mu kimina bibarwa bivuye mu nyandiko, kandi buri munyamuryango akabona uko byakozwe.
Wishyuye kuri MoMo? Biranditswe. Ubutumwa bwa MoMo cyangwa inyemezabwishyu ya banki bifatanywa n'ubwishyu, bityo bukandikwa ku munyamuryango nyawe.

Inama n'imirimo y'ubuyobozi

Inama ni izo gufata ibyemezo, si izo kubara. Ubwishyu bwandikwa uko bugeze, bityo nta muntu utegereza ku murongo ngo umwanditsi cyangwa umucungamari yandike.
Abanyamuryango, imigabane, ubwizigame n'inguzanyo ahantu hamwe. Igitabo kimwe cy'abanyamuryango aho kuba intonde zitandukanye zitajya zihura.
Impapuro nke ku bayobozi batuma itsinda rikomeza. Abayobozi batanga igihe cyabo ku buntu. e-Mali ibakorera kwandika no guteranya.
Inyandiko-mvugo z'Inteko Rusange ntizizongera kubura. Inama, umubare wa ngombwa, inyandiko-mvugo zasinyweho n'ibyemezo bifite nimero bibikwa hamwe n'ibitabo by'ibaruramari.

Ku banyamuryango n'abafatanyabikorwa

Mu Kinyarwanda, kuri telefone yawe. Abanyamuryango binjira bakoresheje nimero ya telefone na PIN, bakabona imibare yabo mu rurimi rwabo.
Inyandiko zikwiye kwerekwa SACCO cyangwa banki. Erekana amateka asobanutse y'ubwizigame n'ubwishyu igihe itsinda risaba inguzanyo.
Raporo ziteguye igihe RCA cyangwa Umurenge bizisabye. Reba ibyo RCA isaba n'igihe ntarengwa, kandi ubone raporo ziva mu nyandiko ubwazo, muri PDF cyangwa Excel.

Ibibazo amatsinda atubaza

Koperative ni iki mu Rwanda?

Ni ishyirahamwe ry'abantu bishyize hamwe ku bushake kugira ngo bahaze ibyo bakeneye mu by'ubukungu, imibereho n'umuco, binyuze mu kigo batunze kandi bayobora mu buryo bwa demokarasi. Amakoperative yandikwa kandi akagenzurwa n'Ikigo cy'Igihugu Gishinzwe Amakoperative (RCA), hakurikijwe Itegeko N° 057/2024.

e-Mali ni iy'amatsinda yo mu byaro gusa?

Oya. e-Mali ikorera itsinda ryose rizigama, riguriza cyangwa rigabana inyungu, i Kigali cyangwa ahandi hose mu gihugu. Ibimina by'abanyeshuri, iby'abakorana ku kazi, iby'abaturanyi, iby'amatorero n'iby'abize hamwe birayikoresha, kimwe n'amakoperative y'abamotari, abanyabukorikori, abacuruzi n'abahinzi. Abanyamuryango bakenera telefoni gusa kugira ngo barebe amafaranga yabo.

Ni ibihe bitabo by'ibaruramari koperative igomba kugira?

RCA igaragaza ibitabo 12: igitabo cy'isanduku, igitabo cy'abo twishyuza, igitabo cy'abo tubereyemo imyenda, igitabo cy'imigabane y'abanyamuryango, igitabo cy'ibyaguzwe, igitabo cy'ibyagurishijwe, inyandiko z'ububiko, inyandiko z'imitungo itagaragara, fagitire, inyandiko zo kugeza ibicuruzwa, ifoto y'umutungo n'imbonerahamwe y'injira n'isohoka. e-Mali ibika igitabo cy'isanduku n'icya banki, igitabo cy'imigabane na raporo z'imari uko mukora.

Itsinda ryacu rigomba kubanza kwandikwa?

Oya. Koperative cyangwa ikimina icyo ari cyo cyose gishobora gutangira ako kanya. Nimwiyandikisha nyuma, inyandiko zanyu zizaba ziri ku murongo.

Dushobora kuzana inyandiko dusanganywe?

Yego. Uzuza icyitegererezo cyacu cya Excel maze e-Mali igenzure buri murongo mbere yo kubyinjiza. Tuzagufasha kubikora.

Koperative n'ikimina bitandukaniye he?

Koperative ni ikigo cy'ubucuruzi gitunzwe n'abanyamuryango bacyo, cyanditswe muri RCA, kandi kigomba kugira ibitabo by'ibaruramari byuzuye. Ikimina ni itsinda ryo kuzigama: abanyamuryango batanga imisanzu ku gihe cyagenwe, akenshi bakagurizanya, kandi bakagabana ku musozo w'igihe. Ibimina byandikishwa mu murenge binyuze ku rubuga IBIMINA rwa MINECOFIN. e-Mali ikorera byombi.

Mwiteguye kubona imari y'itsinda ryanyu neza?

Fungura koperative cyangwa ikimina cyanyu uyu munsi. Tuzabafasha kwinjiza inyandiko zanyu no gutangiza itsinda ryanyu.

Tangira igerageza ku buntu Vugana natwe