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

Perezida w’Inama y’Ubuyobozi
SACCO URUFUNGUZO RW’UBUKIRE KADUHA
Umurenge: Kaduha
Akarere: Nyamagabe
Intara: Amajyepfo
Tel: 0787567526/0788561947

Madamu/Bwana,
Impamvu: Raporo y’ubugenzuzi bwakorewe SACCO URUFUNGUZO RW’UBUKIRE KADUHA.

Nyuma y’Ubugenzuzi bwakozwe na Banki Nkuru y’U Rwanda muri SACCO URUFUNGUZO
RW’UBUKIRE KADUHA kuva ku wa 06 kugeza kuwa 08 Kamena, 2022. Tunejejwe no kubagezaho bimwe
mubyagaragajwe n’ubugenzuzi bikurikira:

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

 Ikibazo cyo kudakura no kutagira gahunda ihamye yo gukangurira abaturage b’Umurenge wa
KADUHA muri rusange n’abanyamuryango ba SACCO URUFUNGUZO RW’UBUKIRE KADUHA
kuzigama no gusaba inguzanyo. Ubugenzuzi bwagaragaje ko hafi ibipimo by’imari fatizo biri ku
rwego rwo hasi ugereranije n’izindi SACCO zo mu Karere ka NYAMAGABE. Urugero, mu mpera ya
Mata 2022, umutungo rusange wanganaga na FRW 212,562,885, ubwizigame
bw’abanyamuryango bwagana na FRW 120,192,451 n’inguzanyo zingana na FRW 83,704,862.
Ubugenzuzi kandi bwagaragaje ikibazo cyo kutuzuza inshingano z’umuhuza mu
by’imari(financial intermediation) SACCO yashyiriweho. Ibi bishimangirwa n’uko aho gushora
amafaranga mu nguzanyo cyangwa murindi shoramari ryunganira inguanyo, iyabika mu mabanki
y’ubucuruzi ku nyungu idahagije. Mu mpera za Mata 2022 amafaranga yari abitswe mu mabanki
y’ubucuruzi yari FRW 116,492,336 (54.8% by’umutungo wose);
 Ubugenzuzi bwagaragaje ko SACCO itashyize mu bikorwa 40% by’inama yari yagiriwe
n’ubugenzuzi bwa Banki Nkuru y’u Rwanda bwakozwe kuva ku wa 20 kugeza ku wa 22 Ugushyingo,
2019. Murizo harimo kohereza kuri BNR ibyangombwa byabagize komite batowe kugirango
bemezwe, koherereza BNR raporo z’imari zikoze neza, kugabanya igipimo cy’inguzanyo zitishyurwa
neza, gukora urutonde rw’inguzanyo nk’uko bigenwa n’ingingo ya 59-61 y’ibwiriza no 02/2009
ryerekeye imicungire y’ibigo by’imari iciriritse;
2. SACCO ifite ikibazo cy’inguzanyo zidacunzwe neza. Raporo ya Mata 2022, yagaragaje igipimo
cy’inguzanyo zakererewe kingana na 10.4%. Nyuma yo gusesengura inguzanyo zose (161), ubugenzuzi
bwagaragaje igipimo cya 14%, inguzanyo zakererekwe zinyongera zingana na FRW 2,589,408 ndetse
n’iteganyirizagihombo ry’inyongera ringana na FRW 1,038,226. Inguzanyo zazibukiriwe (written-off
loans) zingana na FRW 2,089,495 zihwanye na 3% by’inguzanyo zose zari zisigaye hanze zingana na
FRW 86,294,270(n’izazibukiriwe zirimo);

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

 Iibitabo by’ibaruramari bituzuzwa ntibinagenzurwe buri gihe. Igitabo cyandikwamo ibyabereye

kuri konti za SACCO mubindi bigo by’imari (bank legder/book) giheruka kuzuzwa ku wa
30/04/2022;
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 Raporo z’imari zoherejwe muri BNR zikubiyemo amakuru atariyo. Imigabane y’abanyamuryango
ingana na FRW 83,704,862 yatanzwe muri raporo mugihe ibitabo by’ibaruramari bigaragaza
FRW 83,697,894, ibi bigatanga ikinyuranyo kingana na FRW 6,968;
 Iteganyirizagihombo ry’inyongera ku nguzanyo zitishyurwa neza n’ubwicungure bw’inyongera
ku mitungo iramba bizagabanya urwunguko kuva kuri FRW 4,714,469 kugera kuri FRW
3,263,709 n’imari bwite (equity) kuva kuri FRW 89,171,008 kugera kuri FRW 87,720,248.

Hashingiwe bibazo by’ingenzi byavuzwe haruguru, mu rwego rwo kurengera inyungu za SACCO
n’iz’abanyamuryango bayo, SACCO URUFUNGUZO RW’UBUKIRE KADUHA 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. SACCO
URUFUNGUZO RW’UBUKIRE KADUHA 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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