BIMWE MU BIBAZO BIKUNZE KUBAZWA

Oya ntibishoboka. Uturere tune (4) ni two twatoranyijwe ngo dukorerwemo igerageza rya LCF, ni ukuvuga; Nyagatare, Gisagara, Gakenke na Rutsiro. Bisobanura ngo imishinga iterwa inkunga igomba kuba iherereye muri kamwe muri utu turere, ikaba igomba kugira inyongeragaciro muri utwo Turere mu gihe kiramye (Urugero: ibigo by’ubucuruzi byanditse mu Turere tw’igerageza). Kugeza ubu imishinga iri mu tundi turere ntiyemererwa inkunga ya LCF.
Yego. Mu cyiciro cya mbere cy’inkunga, hashobora kubaho ubufatanye hagati y’Umuryango utegamiye kuri Leta n’ibigo by’ubucuruzi bito cyangwa koperative bigasaba inkunga muri LCF. Iyo bigenze bityo, Umuryango utegamiye kuri Leta ni wo wandika usaba inkunga; ikigo cy’ubucuruzi cyangwa koperative bikaba bitarabona ibyangombwa. Cyakora Umuryango utegamiye kuri Leta ntushobora kuba mu bufatanye bw’imishinga iterwa inkunga mu cyiciro cya kabiri.
Yego, binyuze mu cyiciro cya mbere cy’inkunga. Cyakora ikigo cy’ubucuruzi kitemewe n’amategeko kigomba kwifatanya n’ikigo kizwi cyangwa Umuryango utegamiye kuri Leta, maze bigasaba inkunga muri LCF. Icyo gihe ikigo cy’ubucuruzi kizwi cyangwa Umuryango utegamiye kuri Leta ni byo byandika bisaba inkunga muri LCF, maze ikigo kitemewe n’amategeko kikaba kimwe mu mpande zigize ubufatanye.
Ikigo cy’ubucuruzi cyonyine ntibishobora gusaba inkunga ya LCF. Ibigo by’ubucuruzi byishyize hamwe ni byo bishobora guhabwa inkunga.
Yego, birashoboka. Ibigo byigisha imyuga bya Leta cyangwa byigenga bishobora kuba bimwe mu bigize ubufatanye, aho byaba bikorera hose mu Rwanda. Cyakora ntibyemerewe kuyobora ubufatanye mu gusaba inkunga.

Ikigega cyo guteza imbere ubufatanye ku bikorera (LCF) ntigitanga inkunga mu buryo bukurikira:

Ibibujijwe ku basaba inkunga:

  • Ibigo by’ubucuruzi ubwabyo ntibishobora guhabwa inkunga (keretse iyo byishyize hamwe bigasaba inkunga).
  • Amatsinda yishyize hamwe ashobora gusabira inkunga umushinga umwe mu gihe hatangajwe inyandiko zisaba imishinga iterwa inkunga ( Ntawe ujya mu bufatanye bubiri)
  • Ibigo bya Leta byigenga mu micugire, imiryango itegamiye kuri Leta/imiryango idaharanira inyungu n’ibigo bya Leta nyibyemerewe, keretse imiryango itegamiye kuri Leta ishobora gusaba inkunga yo mu cyiciro cya mbere nk’uko byasobanuwe haruguru, ndetse n’ibigo byigisha imyuga (TVET)
  • Abayobozi mu nzego za Leta, baba abakoresha ndetse n’abakozi mu bigo bya Leta n’inzego z’ubuyobozi ntibemerewe kuba abagenerwabikorwa b’imishinga iterwa inkunga, kandi ntibemerewe kwishyira hamwe n’itsinda rigize ubufatanye.
  • Umuntu ku giti cye yemerewe kuba yajya mu itsinda rimwe gusa mu matsinda yishyize hamwe
  • Ibigo by’ubucuruzi bitiyandikishije muri RDB ntibishobora kuba mu bufatanye n’itsinda rihabwa inkunga muri LCF

 

Ubwoko bw’mishinga itemewe

  • Imishinga ijyanye no kurangura ibicuruzwa no kubidandaza, idafite ibikorwa nyongeragaciro ntiterwa inkunga (ni kuvuga ko LCF idatera inkunga ubucuruzi bwo kuranguza no kudandaza)
  • Imishinga y’ubukungu bushingiye ku musaruro w’ubuhinzi, ubucukuzi bw’amabuye y’agaciro, amashyamba, ubuhinzi-bworozi, inzuri, uburobyi na kariyeri/ ibinombe, ntishobora guterwa inkunga.

 

Ibindi bibujijwe

  • Imishinga iterwa inkunga ni iyo mu turere tune (4) twatoranyijwe gusa.
  • Imishinga ibona inkunga y’urundi rwego rwa Leta cyangwa undi muterankunga nayo ntibona inkunga ya LCF.
  • Imishinga isaba inkunga kugirango idatezwa cyamunara cyangwa ngo yikure mu gihombo ntishobora guterwa inkunga.
  • Imishinga itabarirwa mu byiciro byagaragajwe ntiterwa inkunga.
  • Uruhare rwa nyir’umushinga ntirushobora gutangwa n’undi muterankunga.

Ibiciro byemejwe ni byo bigenderwaho mu gutanga inkunga. Ni ukuvuga ko ingengo y’imari bivuga igiciro kigereranyije cy’ibyemewe kwishyurwa. Ibyemerwa kwishyurwa bigomba kuba bishingiye ku biciro nyakuri biherekejwe n’inyandiko zibihamya.

Ibyemewe kwishyurwa Ibitemewe kwishyurwa
  • Ibiciro byose bigomba kuba bigaragara mu ngengo y’imari y’umushinga wemejwe;
  • Ikiguzi gishobora kuba icy’ibikoresho, serivisi, abakozi, amahugurwa, imirimo y’amaboko, n’imirimo y’ubwenge.
  • Ibiciro byose bigomba kugenderwaho mu gihe cyose cy’ishyiwa mu bikorwa ry’umushinga, bikaba byanditse mu bitabo by’ibaruramari kandi bikaba bifite inyandiko zibihamya.
  • Imyenda n’ibihombo
  • Amafaranga yakoreshejwe atarateganyijwe mu ngengo y’imari
  • Inyungu
  • Ibintu byishyuwe binyuze mu bundi buryo
  • Kugura kugaragaramo guharira
  • Ubutaka n’inyubako
  • Inguzanyo
  • Impapuro mpeshamwenda
  • Amafaranga y’igihombo ku isoko ry’ivunjisha
  • Ikiguzi kijyanye no kuzuza impapuro zisaba inkunga muri LCF

Yego, birashoboka. Uwemerewe wese gusaba inkunga ashobora kunganirwa mu bikorwa byo kubaka ubushobozi bifitanye isano n’uko yanditse inyandiko y’umushinga isaba inkunga muri LCF. Byongeye kandi, buri tsinda ry’ubufatanye riba rifite amahirwe yo kubakirwa ubushobozi mu bijyanye no:

  • Gucunga imishinga
  • Gucunga imari n’uburyo bwo kugura ibintu
  • Gushaka amasoko

Iyo imishinga imaze kwemerera inkunga, abayihawe bagenewrwa amahugurwa abongerera ubushobozi nta kiguzi. Byongeye kandi, iyo hari ubundi bumenyi bukenewe kugirango umushinga ubashe gushyirwa mu bikorwa, abasabye inkunga bashobora gusaba amahugurwa abongerera ubumenyi cyangwa ubushobozi hakoreshejwe ingengo y’imari y’umushinga.

Ifishi ushobora kuyisanga hano. Mu gihe hazaba hatangwa amakuru kuri LCF, hazatangwa inyandiko zose zifashishwa mu gusaba inkunga ku bifuza kuyisaba.

Yego, birashoboka. Muri buri Karere hazategurwa inama zigamije gusobanurira no korohereza abifuza gusaba inkunga muri LCF. Amatariki izi nama zizaberaho mushobora kuyasanga hano. Muri izi nama, hazatangwa impapuro zisobanura LCF mu ncamake, amabwiriza agenga LCF n’inyandiko zifashishwa mu gusaba inkunga.


Muramutse mukeneye andi makuru na nyuma y’izi nama, mushobora kuyasanga kuri uru rubuga, ndetse no mu mabwiriza agena uburyo bwo gusaba inkunga.

Uretse inama zisobanura imikorere ya LCF, hazanatangwa kandi ubufasha ku kuzuza inyandiko zisaba inkunga (mu gihe usaba ahuye n’imbogamizi), iminsi/amatariki buzatangirwaho akazamenyekanishwa mu gihe cy’inama. Ubufasha bujyanye no kuzuza no kohereza inyandiko, bushobora kandi gutangwa n’ishami ry’ubucuruzi n’umurimo mu Karere ndetse n’impuguke za LODA,. Ubu bufasha buzajya mutangwa mu cyiciro cyo gutanga incamake y’umushinga no mu cyiciro cyo gutanga umushinga urambuye.

Mu gihe mukeneye ubundi bufasha, mushobora kohereza ubutumwa bwanyu mu Bunyamabanga bwa LCF kuri aderesi “e-mail” ikurikira: info@lcf.rw

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