Our/Ref: 2200/2022-……./2000BNR Kigali, ku wa 12 Kanama, 2022

Perezida w’Inama y’Ubuyobozi

INDATWA KIBIRIZI SACCO
Umurenge: Kibirizi
Akarere: Nyamagabe
Intara: Amajyepfo
Tel: 0787007618/0783048786

Madamu/Bwana,

Impamvu: Raporo y’ubugenzuzi bwakorewe INDATWA KIBIRIZI SACCO.

Nyuma y’Ubugenzuzi bwakozwe na Banki Nkuru y’U Rwanda muri INDATWA KIBIRIZI SACCO kuva ku
wa 19 kugeza kuwa 23 Kamena, 2022. Tunejejwe no kubagezaho bimwe mubyagaragajwe n’ubugenzuzi
bikurikira:

1. Imiyoborere ya SACCO itanoze bitewe n’impamvu zikurikira:

SACCO ifite indangacyerecyezo cya 2020-2024 n’ingengo y’imari ya 2022. Ubugenzuzi

bwagaragaje ko indangacyerecyezo idashyirwa mu bikorwa n’iteganya bikorwa kandi ko
ibiteganyijwe kugerwaho byashingiye ku mibare itariyo. Urugero, raporo y’ukuboza 2019
igaragaza ko urwunguko rwakozwe mu myaka yashize(retained earnings) ari FRW 73,140,404
mu gihe indangakerekezo igaragaza ko urwo rwunguko ari FRW 59,479,623 akaba ari narwo
rugomba gushingirwaho(baseline) mu myaka izakurikiraho. Ubugenzuzi bwagaragaje ko kandi
indangacyerecyezo n’ingengo y’imari bitajya bikorerwa isuzuma. Ibi bikaba binyuranije
n’ingingo ya 3.7 ya politiki y’ubugenzuzi bwimbere mu kigo n’umutekano;
Ubugenzuzi bwagaragaje ko SACCO itashyize mu bikorwa 30% by’inama yari yagiriwe
n’ubugenzuzi bwa Banki Nkuru y’u Rwanda bwakozwe kuva 29 kugeza kuwa 31 Mutarama, 2020.
Murizo harimo kohereza muri BNR ibyangombwa byabagize komite batowe kugirango bemezwe,
koherereza BNR raporo z’imari zikoze neza, kugabanya igipimo cy’inguzanyo zitishyurwa neza,
gukora urutonde rw’inguzanyo neza nkuko bigenwa n’ingingo ya 59-61 y’ibwiriza no 02/2009;

2. SACCO ifite ikibazo cy’inguzanyo zidacunzwe neza. Raporo ya Mata 2022, yagaragaje igipimo
cy’inguzanyo zakererewe kingana na 6.9%. Nyuma yo gusesengura inguzanyo zose (446), ubugenzuzi
bwagaragaje igipimo cya 7.3%, inguzanyo zakererekwe z’inyongera zingana na FRW 963,092 ndetse
n’iteganyirizagihombo ry’inyongera ringana na FRW 779,342. Inguzanyo zazibukiriwe (written-off loans)
zingana na FRW 32,603,680 zihwanye na 12.5% by’inguzanyo zose zisigaye hanze mumpera za Mata
2022;

3. Imicungire y’imbere mukigo n’ibaruramari bitanoze bitewe n’impamvu zikurikira:

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Igitabo cyandikwamo ibyabereye kuri konti za SACCO mubindi bigo by’imari (bank legder/book)
giheruka kuzuzwa ku wa 30/04/2022;
Raporo z’imari zoherejwe muri BNR zikubiyemo amakuru atariyo. Imigabane y’abanyamuryango
ingana na FRW 259,460,841 yatanzwe muri raporo mugihe ibitabo by’ibaruramari bigaragaza FRW
257,805,341 ibi bigatanga ikinyuranyo kingana na FRW 1,655,500;
Ubugenzuzi bw’imbere mu kigo, ibaruramari n’umutekano ku gashami ka GATABA ntibicunzwe
neza. Ibitabo by’ibararuamari kuri ako gashami ntibigenzurwa n’umukozi ubishinzwe, ikindi n’uko
kuva agashami ka GATABA kabona icyangomwa cya BNR mrui Nyakanga 2015, umutekano
w’agashami ucungwa n’abarinzi badafite ibikoresho bihagije byo gucunga umutekano. Ibi bikaba
bifite ingaruka zikomeye cyane ku mafaranga ya SACCO n’ubwizigame bw’abanyamuryango;
Iteganyirizagihombo ry’inyongera kunguzanyo zitishyurwa neza rizagira ingaruka ku rwunguko
rwakozwe n’imari bwite (net worth) kuko bizongera igohombo SACCO yari isanzwe ifite kikava
kuri FRW 15,162,203 cyikagera kuri FRW 14,382,861, naho imari bwite ikazagabanyuka ikava kuri
FRW 162,413,010 ikagera kuri FRW 161,633,668.

Hashingiwe bibazo by’ingenzi byavuzwe haruguru ndetse n’ibikubiye muri raporo muri rusange, INDATWA
KIBIRIZI SACCO irasabwa kohereza muri BNR bitarenze iminsi 30 ikimara kubona iyi baruwa, gahunda
yerekana uko igiye gushyira mu bikorwa inama yagiriwe n’ubugenzuzi nk’uko zigaragara mu gice cya II.3
n’icya IV bya raporo iri ku mugereka. INDATWA KIBIRIZI SACCO iramutse itinze kohereza cyangwa
ntiyohereze iyo gahunda, izafatirwa ibihano hakurikijwe amategeko n’amabwiriza agenga ibigo by’Imari
Iciriritse.

Mugire amahoro.

MUHUTU Gilbert NYINAWINKINDI Agathe

Cluster Manager Cluster Manager & Ag. Director
Microfinance Supervion Department Microfinance Supervision Deaprtment

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