″Umuco wo kuziga ni umusingi w’iterambere rirambye.″ Moses Kirenga Umuyobozi w’ Agateganyo w’Akarere ka Gicumbi.

Abaturage bo mu Karere ka Gicumbi barashishikarizwa kwimakaza umuco wo kuzigama no kugurizanya, nk'imwe mu nzira zifasha ingo kwiteza imbere, kwihangira imirimo no kwihaza mu bukungu.

Ibi byagarutsweho, ubwo mu Murenge wa Shangasha, Akagari ka Bushara, hizihizwaga Umunsi Mpuzamahanga wo Kuzigama, mu gikorwa cyateguwe ku bufatanye bw'Akarere ka Gicumbi, EAR Diyosezi ya Byumba na HOPE International.

Iki gikorwa cyitabiriwe n'Umuyobozi w'Agateganyo w'Akarere ka Gicumbi, Kirenga Moses, abafatanyabikorwa n'abaturage, bagarutse ku kamaro ko kuzigama, gukorana mu matsinda no gukoresha neza serivisi z'imari.

Mu butumwa yagejeje ku bitabiriye iki gikorwa, Bwana Kirenga yashimangiye ko kuzigama bitagombera kugira amafaranga menshi, ahubwo ko bitangirira ku duke umuntu afite.

Yagize ati: "Abantu benshi batekereza ko kwizigama ari ukuba ufite byinshi, nyamara si ko biri, kuko umuco wo kuzigama ushobora gutangirira ku duke, ntakabuza ukagenda utera imbere."

Yashishikarije abaturage kwitabira amatsinda yo kuzigama no kugurizanya azwi nka SILC (Savings and Internal Lending Communities), abafasha kwizigamira make make, kugurizanya no kubona igishoro cyo gutangiza cyangwa kwagura ibikorwa bibyara inyungu.

Aya matsinda kandi afasha abanyamuryango kubaka umuco wo kwizerana, gufashanya no gufata ibyemezo bigamije guteza imbere imiryango yabo, by'umwihariko abagore n'urubyiruko.

Mu Karere ka Gicumbi habarurwa amatsinda 2,578 yo kuzigama no kugurizanya, afite abanyamuryango 69,511, barimo abagabo 29,510 n'abagore 40,001. Muri ayo matsinda, 1,987 akorana n'ibigo by'imari.

Akarere kandi gafite amakoperative 284 afite abanyamuryango 24,769, ndetse n'abanyamuryango 191,413 ba INTWALI SACCO. Abanyamuryango b'amakoperative na SACCO bose hamwe bagera kuri 216,182.

Mu rwego rwo kwagura uburyo abaturage babonamo serivisi z'imari, Gicumbi ifite amabanki y'ubucuruzi umunani, ibigo by'ubwishingizi bine, ibigo by'imari iciriritse bitanu, Umwarimu SACCO, amashami 21 ya INTWALI SACCO n'indi SACCO ikorera ku rwego rw'Akarere.

Ihuzwa rya SACCO zo mu Mirenge rikavamo INTWALI SACCO GICUMBI ryongereye amahirwe yo kwegereza abaturage serivisi z'imari, harimo no kuzikoresha hifashishijwe ikoranabuhanga na telefoni.

Mu bijyanye no kwizigamira igihe kirekire, Akarere ka Gicumbi kamaze kugira abanyamuryango 168,992 muri gahunda ya Leta ya Ejo Heza, barimo abagabo 80,964 n'abagore 88,028. Ubwizigame bwabo bumaze kugera kuri miliyari 3,219,382,171 z'amafaranga y'u Rwanda.

Mu mwaka wa 2025–2026, Akarere kari kihaye intego yo gukusanya amafaranga 504,103,300, ariko gakusanya 717,766,060, angana na 142.4% by'intego yari yihaye. Ibi bivuze ko karengejeho amafaranga 213,662,760.

Ku mwaka wa 2026–2027, Gicumbi yihaye intego yo kwizigamira amafaranga 755,511,202 muri gahunda ya Ejo Heza, bikaba bisaba uruhare rw'abaturage, abayobozi n'abafatanyabikorwa.

Ku bijyanye no gukoresha serivisi z'imari muri rusange, imibare yatanzwe igaragaza ko 90.3% by'abaturage bafite imyaka 16 kuzamura bazikoresha, harimo n'iz'ikoranabuhanga nka Mobile Money za MTN na Airtel Money.

Iyi mibare igaragaza intambwe imaze guterwa mu kugeza serivisi z'imari ku baturage, nubwo hakiri icyuho mu kwitabira izi serivisi, cyane cyane ku bagore n'urubyiruko. Mu Karere ka Gicumbi, abagore 39.7% ni bo bitabiriye gahunda zo gukorana n'ibigo by'imari.

Mu rwego rwo koroshya imikoreshereze y'izi serivisi, Akarere gafite kandi ba ambasaderi b'ikoranabuhanga 75, abatanga serivisi za Airtel Money bagera kuri 600 n'abandi bagera ku 3,000 ba MTN.

Guverinoma y'u Rwanda, binyuze muri Minisiteri y'Imari n'Igenamigambi, yashyizeho kandi urubuga rwa murandasi rwifashishwa mu kwandikisha no gucunga ibimina, hagamijwe kunoza imikorere n'imicungire yabyo.

Mu bindi byaranze uwo munsi, hatanzwe impamyabushobozi ku bantu barangije amahugurwa mu myuga itandukanye irimo ubudozi no gutunganya imisatsi. Ni ubumenyi bugamije kubafasha kwihangira imirimo no kwinjiza amafaranga.

Hatashywe inzu yubakiwe umuryango utishoboye binyuze mu matsinda yo kuzigama no kugurizanya, igikorwa cyagaragaje uruhare rw'ubufatanye mu gufasha abatishoboye no kuzamura imibereho yabo.

Umunsi Mpuzamahanga wo Kuzigama wabaye umwanya wo kongera kugaragaza ko kwizigamira atari ukubika amafaranga gusa, ahubwo ko ari uburyo bwo guteganyiriza ejo hazaza, kwiyubakira ubushobozi bwo guhangana n'ibibazo no gushora imari mu bikorwa biteza imbere umuryango.