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Amakoperative n'ibimina mu Rwanda: iby'ingenzi

Koperative ni iki, uko wandikisha ikimina, n'aho wasanga amabwiriza yemewe. Mu magambo yoroshye, hamwe n'imiyoboro ijya kuri RCA na MINECOFIN.

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

Koperative ni iki?

Mu Rwanda, amakoperative yandikwa kandi akagenzurwa n'Ikigo cy'Igihugu Gishinzwe Amakoperative (RCA), akagengwa n'Itegeko N° 057/2024 ryo ku wa 20/06/2024 rigenga amakoperative mu Rwanda.

Inkomoko: RCA, Ibyerekeye amakoperative(irafungukira mu idirishya rishya)

Koperative ni ishyirahamwe ryigenga ry'abantu bishyize hamwe ku bushake kugira ngo bahaze ibyo bakeneye n'ibyo bifuza bahuriyeho mu by'ubukungu, imibereho n'umuco, binyuze mu kigo bafatanyije gutunga kandi bayobora mu buryo bwa demokarasi, hakurikijwe indangagaciro n'amahame y'amakoperative yemewe ku rwego mpuzamahanga.

Ikigo cy'Igihugu Gishinzwe Amakoperative (RCA), byashyizwe mu Kinyarwanda

Icyo itandukaniyeho n'ubucuruzi busanzwe

  • Igamije intego y'imibereho myiza cyangwa y'ibidukikije, cyangwa ishingirwa guhaza ibyo abanyamuryango bayo bakeneye.
  • Abanyamuryango bayo ni bo bayitunze kandi bakayigenzura mu buryo bwa demokarasi.
  • Ifite uburyo bwayo bwihariye bwo gukora.
  • Ifite imiterere yayo yihariye mu mategeko.

Amahame arindwi y'amakoperative

  1. Kwinjira ku bushake kandi bifunguriwe bose
  2. Kugenzurwa n'abanyamuryango mu buryo bwa demokarasi
  3. Uruhare rw'abanyamuryango mu bukungu
  4. Kwigenga no kwiyobora
  5. Uburezi, amahugurwa n'amakuru
  6. Ubufatanye hagati y'amakoperative
  7. Kwita ku muryango mugari

Ibyiciro bitanu

Amakoperative ashobora gukora mu nzego zose z'ubukungu n'imibereho.

  1. Amakoperative y'umusaruro
  2. Amakoperative y'ubucuruzi n'abaguzi
  3. Amakoperative yo kuzigama no kuguriza (SACCO)
  4. Amakoperative atanga serivisi
  5. Amakoperative akora imirimo itandukanye

Indangagaciro z'amakoperative

  • Kwirengera inshingano
  • Demokarasi
  • Uburinganire
  • Ubutabera
  • Ubufatanye
  • Ubunyangamugayo
  • Gukorera mu mucyo
  • Inshingano ku muryango mugari
  • Kwita ku bandi

Kuva kuri koperative y'ibanze kugera ku rugaga

Amakoperative ashobora kwishyira hamwe kugira ngo arusheho gucunga umutungo wayo no kurengera inyungu zayo zihuriweho.

  1. Koperative y'ibanzeAbanyamuryango bahuriza hamwe ibitekerezo, imbaraga n'umutungo ku ntego imwe.
  2. IhuriroAmakoperative y'ibanze atatu cyangwa arenga. Koperative ntishobora kuba mu mahuriro abiri icyarimwe.
  3. ImpuzamahuriroAmahuriro atatu cyangwa arenga, ku rwego rw'igihugu.
  4. UrugagaImpuzamahuriro eshatu cyangwa zirenga: urwego rukuru (APEX) rw'amakoperative mu gihugu.

Ibitabo 12 by'ibaruramari RCA igaragaza

  1. Igitabo cy'isanduku
  2. Igitabo cy'abo twishyuza
  3. Igitabo cy'abo tubereyemo imyenda
  4. Igitabo cy'imigabane y'abanyamuryango
  5. Igitabo cy'ibyaguzwe
  6. Igitabo cy'ibyagurishijwe
  7. Inyandiko z'ububiko
  8. Inyandiko z'imitungo itagaragara
  9. Fagitire
  10. Inyandiko zo kugeza ibicuruzwa
  11. Ifoto y'umutungo
  12. Imbonerahamwe y'injira n'isohoka

Imfashanyigisho ya RCA ku bitabo by'ibaruramari (PDF)(irafungukira mu idirishya rishya)

Ikimina ni iki, kandi cyandikishwa gute?

Ikimina (ibimina mu bwinshi) ni itsinda ry'abantu bazigama hamwe ku gihe cyagenwe, kandi akenshi bakagurizanya. Ibimina byandikishwa kuri IBIMINA, urubuga rwemewe ruri mu igenzura rya Minisiteri y'Imari n'Igenamigambi (MINECOFIN).

Inkomoko: MINECOFIN, urubuga IBIMINA(irafungukira mu idirishya rishya)

Ibyo ukeneye mbere yo gutangira

  • Nibura abanyamuryango 5.
  • Indangamuntu cyangwa pasiporo yemewe kuri buri munyamuryango.
  • Amategeko, amabwiriza n'inzira by'ikimina (sitati).
  • Inyandikomvugo y'inama y'ishingwa ry'ikimina, isinyweho.
  • Urutonde rw'abanyamuryango, n'itariki buri wese yinjiriyeho n'umusanzu we wa mbere.

Kwandikisha, intambwe ku yindi

  1. Fungura kontiIyandikishe ukoresheje indangamuntu cyangwa pasiporo maze wemeze nimero ya telefoni yawe.
  2. Amakuru y'ibanzeIzina, intego, itariki y'ishingwa, aho ikimina gikorera n'umubare w'abanyamuryango.
  3. AbanyamuryangoOngeramo abanyamuryango umwe umwe, ubashyiremo ukoresheje icyitegererezo cya Excel, cyangwa wandike abana bafite ubarera.
  4. AbayoboziHitamo Perezida, Visi-perezida n'Umunyamabanga mu banyamuryango.
  5. ImisanzuIngano y'umusanzu, inshuro utangwa, uburyo utangwamo n'aho amafaranga abikwa.
  6. InyandikoShyiramo sitati, urutonde rw'abanyamuryango n'inyandikomvugo y'inama y'ishingwa.
  7. Ohereza, uhabwe icyemezoReba amakuru yose maze wohereze. Nyuma yo kwemezwa, umurenge ikimina gikoreramo utanga Icyemezo cy'iyandikwa.

Nyuma yo kwandikwa, kuri urwo rubuga

  • Gusaba guhindura amakuru y'ikimina; impinduka zigaragara ku cyemezo gishya.
  • Kwimura ikimina ukakijyana ahandi.
  • Guhindura abahagarariye ikimina, cyangwa kongeramo no guhagarika abanyamuryango, hamwe n'inyandiko ibishimangira.
  • Kugenzura ko icyemezo ari cy'ukuri, cyangwa gusaba gusesa ikimina.
Iyandikishe kuri IBIMINA(irafungukira mu idirishya rishya)

IBIMINA, CMIS na e-Mali: icyo buri rubuga rukora

Imbuga ebyiri za Leta zandika amatsinda. e-Mali ni aho itsinda ricungira imari yaryo buri munsi.

Urubuga IBIMINACMISe-Mali
Rucungwa naMINECOFINIkigo cy'Igihugu Gishinzwe Amakoperative (RCA)e-Mali, ikigo cyigenga
RugeneweIbimina (amatsinda yo kuzigama)AmakoperativeIbimina n'amakoperative
Akamaro k'ingenziKwandikisha ikimina no kuvugurura amakuru yacyo yemewe.Kwandikisha koperative, hanyuma gukurikirana ubusabe bwayo, igenzura n'ubugenzuzi bw'imari.Gucunga itsinda buri munsi: abanyamuryango, ubwizigame, imigabane, inguzanyo n'ibitabo.
AbarukoreshaAbayobozi b'itsinda, n'umurenge wemeza.Abasaba kwandikisha koperative, n'abakozi ba RCA, ab'akarere n'ab'umurenge.Abayobozi b'itsinda, n'abanyamuryango bareba amafaranga yabo.
Icyo ubonaIcyemezo cy'iyandikwa gitangwa n'umurenge.Icyemezo cy'agateganyo cy'ubuzimagatozi, hanyuma icya burundu.Inyandiko, raporo z'imari na raporo, bikurwa muri Excel cyangwa PDF.
Inshuro urukoreshaIgihe cyo kwandikisha, hanyuma ku mpinduka.Igihe cyo kwandikisha, hanyuma ku busabe, igenzura n'ubugenzuzi.Buri cyumweru cyangwa buri kwezi, igihe cyose amafaranga yinjiye cyangwa asohotse.
Ni itegeko?Yego, kugira ngo wandikishe ikimina.Yego, kugira ngo wandikishe koperative.Oya, ni igikoresho wihitiramo.

Uko byuzuzanya

  1. Tangirira kuri e-MaliBika inyandiko zanyu kuri e-Mali kuva ku munsi wa mbere, mwanditswe cyangwa mutanditswe.
  2. Iyandikishe ku rubuga rwemeweIBIMINA ku kimina, CMIS kuri koperative. Iyi ntambwe ikorwa n'itsinda ubwaryo.
  3. Tanga raporo uhereye kuri e-MaliInzego nizibasaba urutonde rw'abanyamuryango, raporo cyangwa inyandiko z'ubugenzuzi, mubikure kuri e-Mali maze mubyohereze ku rubuga rwemewe.

Aho wabona ibisubizo byemewe

Kwandika, amategeko n'igenzura bikorwa n'izi nzego. Imbuga zazo ni zo zishingirwaho.

e-Mali ni ikigo cyigenga, si igice cya RCA, MINECOFIN cyangwa urundi rwego rwa Leta. Iyi paji ni incamake mu magambo yoroshye igufasha gutangira. Inkomoko zemewe ni zo zihabwa agaciro mbere. Byagenzuwe bwa nyuma hifashishijwe inkomoko zemewe: Ukwakira 2026.

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.

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.

Twakwandikisha dute ikimina cyacu?

Kuri interineti, ku rubuga IBIMINA rwa MINECOFIN (ibimina.minecofin.gov.rw). Fungura konti ukoresheje indangamuntu cyangwa pasiporo, wandike amakuru y'ikimina, abanyamuryango, abayobozi n'imisanzu, ushyiremo sitati n'inyandikomvugo y'inama y'ishingwa, maze wohereze. Nyuma yo kwemezwa, umurenge mukoreramo utanga icyemezo.

Dukeneye abanyamuryango bangahe kugira ngo twandikishe ikimina?

Nibura 5, buri wese afite indangamuntu cyangwa pasiporo yemewe.

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.

IBIMINA, CMIS na e-Mali bitandukaniye he?

IBIMINA ni urubuga rwa MINECOFIN rwo kwandikisha ikimina. CMIS ni urubuga rwa RCA rwo kwandikisha koperative no gukurikirana ubusabe bwayo. e-Mali ni aho itsinda ryanyu ricungira imari yaryo buri munsi: abanyamuryango, ubwizigame, imigabane, inguzanyo n'ibitabo. Mwiyandikisha kuri IBIMINA cyangwa CMIS, mugakoresha e-Mali mu kubika inyandiko izo mbuga zisaba.

e-Mali itwandikisha muri RCA cyangwa MINECOFIN?

Oya. Itsinda ryanyu ni ryo ryiyandikisha, kuri IBIMINA ku kimina cyangwa kuri CMIS kuri koperative. e-Mali ntihuzwa n'urwo rubuga na rumwe. Ibika urutonde rw'abanyamuryango, imisanzu na raporo biteguye, kugira ngo mubikureho maze mubyohereze ubwanyu.

Mwiteguye kubona imari y'itsinda ryanyu neza?

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

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