Ihamagara ry’imishinga rizanyura mu itangazo rizatangwa ku rubuga rwa interineti rwa LODA, urw’Ikigega LCF, imbuga z’uturere Ikigega LCF kizakoreramo kimwe n’izindi zikunzwe cyane zinyuzwaho amatangazo. Ihamagara rya kabiri ry’imishinga rizatangira ku wa 14 Werurwe 2018 kugeza ku wa 15/07/2018. Ibisobanuro ku bifuza kohereza imishinga kimwe núko babona impapuro zuzuzwa babisanga ku rubuka rw’Ikigega ari rwo www.lcf.rw. Bashobora kandi kwitabira inama zinyuranye zibera muri buri Karere.  Itariki ntarengwa yo gutanga incamake z’imishinga kuri iri hamagara rya kabiri, ni ku wa 20 Mata 2018 saa kumi n’imwe za nimugoroba (5:00).

Incamake y’umushinga ni yo ntambwe ya mbere yo gutanga umushinga usaba inkunga mu kigega LCF. Incamake y’umushinga izaba igamije kugeza ku Bunyamabanga bw’Ikigega amakuru y’ibanze ku mushinga, kugira ngo bibafashe kureba ko ujyanye n’Intego z’ikigega.  Inyandiko ngenderwaho y’’incamake y’umushinga murayisanga ku mugereka wa 1. Iyo nyandiko urayisanga mu Kinyarwanda, mu Cyongereza.

Hamwe n’inyandiko ngenderwaho y’incamake y’umushinga, hazatangwa ibyangombwa bikurikira :

• Abayoboye ubufatanye : Icyemezo cy’uko ubucuruzi bwanditse (RDB) cyangwa ubuzima gatozi bwa Koperative (RCA), cyangwa icyemezo cy’Umuryango utari uwa Leta /NGO (RGB).
• Ibigo bifatanyije: Icyemezo cy’uko ubucuruzi bwanditse (RDB) cyangwa ubuzima gatozi bwa Koperative (RCA), cyangwa icyemezo cy’Umuryango utari uwa Leta /NGO (RGB), icyemezo cya TVET gitangwa na WDA (Ibi ntibireba abari mu bufatanye busaba inkunga yo mu cyiciro cya mbere mu gihe ubucuruzi bwabo butanditswe cyangwa badafite ibyangombwa byemewe n’amategeko)
• Icyemezo cy’uko ibigo biri mu bufatanye  byose bikorera mu Karere Ikigega gikoreramo. Ikigo kiyoboye ubufatanye kigomba kuba gikorera muri kamwe mu Turere tune (4) twatoranijwe (Gakenke, Gisagara, Nyagatare, Rutsiro).
• Amasezerano y’Ubufatanye asinye

Ibyangombwa bivuzwe haruguru bigomba gutangwa ari umwimerere cyangwa ari kopi ziriho umukono wa Noteri.

Incamake y’umushinga izatangwa binyuze ku rubuga rw’Ikigega ari rwo www.lcf.rw. Ukimara kohereza umushinga wawe uzabona igisubizo ko incamake y’umushinga yakiriwe, uhabwe na nimero yayo. Iyo nimero ni cyo gihamya ko incamake y’umushinga yoherejwe neza, kandi izakomeza gukoreshwa mu ihererekanyamakuru rizakurikira hagati y’uwatanze umushinga n’ubunyamabanga bw’Ikigega ku Karere cyangwa kuri LODA. Nimero y’incamake y’umushinga izajya ihita yoherezwa n’urubuga cyangwa itangwe n’Umuyobozi w’Ikigega.

Imishinga izoherezwa hakoreshejwe ubundi buryo nk’iposita, fagisi cyangwa ubutumwa bwo kuri interineti ntizakirwa.

Itariki ntarengwa yo gutanga incamake z’imishinga kuri iri hamagara rya mbere, ni ku wa 20 Mata 2018 saa kumi n’imwe za nimugoroba (5:00).

Abifuza gutanga imishinga bafite ibibazo ku mikorere y’Ikigega cyangwa ku buryo bwo gutanga imishinga bashobora kubicisha mu nzira zikurikira :

• Kwitabira inama zivuga ku Kigega ziteganyijwe mu Turere no mu Mirenge
• Kureba abashinzwe gutanga ubufasha n’ibisobanuro ku Turere no ku Mirenge
• Kohereza ubutumwa bwa internet kuri info@lcf.rw
• Guhamagara umwe mu bashinzwe Ikigega mu Turere

Uko incamake zizajonjorwa bigaragara mu mbonerahamwe ikurikira:

Incamake y’Umushinga igomba mbere na mbere kuba iherekejwe n’inyandiko zose bigendana kimwe n’ibirebana n’amabwiriza y’Ubufatanye. Incamake zizaba zujuje impapuro n’ibyangombwa bisabwa kandi zubahirije amabwiriza y’ubufatanye ni zo zizasuzumwa hakurikijwe ibisabwa kuri buri mushinga. Incamake z’imishinga zizahabwa amanota kuri 25. Incamake zizagira nibura amanota 18 ni zo zizaba zitsinze ku buryo abazitanze bazasabwa gutanga imishinga irambuye.

Hakurikijwe ibyavuye mu ijonjora ry’incamake z’imishinga, ibigo byatanze imishinga bizamenyeshwa mu nyandiko amanota byagize kuri iki cyiciro, bimenyeshwe kandi niba byaratsindiye gukomeza ku rwego rwo gutanga imishinga irambuye.

Ibigo bizaba byatsinze ku Ncamake y’Umushinga, bizasabwa n’Ubunyamabanga bw’Ikigega mu nyandiko gutanga imishinga yabo irambuye. Inyandiko zijyanye n’umushinga urambuye na zo zizatangwa binyuze ku rubuga www.lcf.rw. Inyandiko ngenderwaho yo gutanga umushinga izagezwa ku bigo bizaba byatsindiye gutanga imishinga irambuye.

Ibyangombwa bizaherekeza umushinga urambuye bizaba bitadunkanye hakurikijwe ko ikigo gisaba amafaranga yo mu cyiciro cya mbere cyangwa ayo mu cyiciro cya kabiri. 

Abasaba mu cyiciro cya mbere bazatanga ibyangombwa bikurikira mu gihe cyo kohereza umushinga urambuye:

• Icyemezo cy’uko bafite uruhare rwabo mu mushinga (urugero: kugaragaza uko konti ya Banki ihagaze, ibyemezo by’imitungo, inyemezabuguzi z’ibikoresho batunze bibarwa nk’uruhare rwabo)

• Amasezerano y’ubufatanye yemejwe na Noteri w’Akarere.

Abasaba mu cyiciro cya kabiri, bazatanga ibyangombwa bikurikira mu gihe cyo kohereza umushinga urambuye:

• Icyemezo cy’uko bafite uruhare rwabo mu mushinga (urugero : kugaragaza uko konti ya Banki ihagaze, ibyemezo by’imitungo, inyemezabuguzi z’ibikoresho batunze bibarwa nk’uruhare rwabo)
• Amasezerano y’ubufatanye yemejwe na Noteri w’Akarere
• Raporo z’Ubugenzuzi bw’imari ku myaka ibiri ya nyuma
   

Ibyangombwa bivuzwe haruguru bigomba gutangwa ari umwimerere cyangwa ari kopi ziriho umukono wa Noteri.
 

Ukimara kohereza umushinga wawe uzabona igisubizo ko umushinga urambuye wakiriwe, uhabwe na nimero yawo. Iyo nimero ni cyo gihamya ko umushinga urambuye woherejwe neza, kandi izakomeza gukoreshwa mu ihererekanyamakuru rizakurikira hagati y’uwatanze umushinga n’ubunyambanga bw’Ikigega ku Karere cyangwa kuri LODA. Nimero y’umushinga urambuye izajya ihita yoherezwa n’urubuga cyangwa itangwe n’Umuyobozi w’Ikigega

Imishinga izoherezwa hakoreshejwe ubundi buryo nk’iposita, fagisi cyangwa ubutumwa bwo kuri interineti ntizakirwa.

Komite y’ijonjora y’Akarere ko incamake zizajonjorwa bigaragara mu mbonerahamwe ikurikira:

Mu gihe cyo gusuzuma ko umushinga wuzuje ibisabwa, impuguke zishobora kuvugana n’abagize ubufatanye batanze umushinga kugira ngo bagenzure ukuri kw’aamakuru yatanzwe mu nyandiko.

Umushinga urambuye uzasuzumwa ku manota 75. Imishinga irambuye izaba yagize amanota asabwa azemezwa n’impuguke hakurikijwe umubare w’imishinga yakiriwe, izaba yatsinze. Ni yo izajya mu cyiciro cy’isuzuma ryimbitse aho imishinga izakorera.

Ibizava mu isuzuma ry’imishinga irambuye bizamenyeshwa by’agateganyo ibigo byatanze imishinga mu gihe cy’iminsi ine (4) nyuma y’uko isuzuma rirangiye.

Isuzuma ryimnitse rizakorwa nyuma yo gutangaza amanita y’agateganyo ku Mishinga irambuye. Intego yíngenzi y’iri suzuma ni ugusesengura ubushobozi bw’ibigo bigize ubufatanye mu kuzacunga neza umushinga.  Hazasuzumwa niba ikigo kibaho koko, amategeko akigenga, imicungire y’umutungo, itangwa ry’amasoko, imicungire y’abakozi, imitunganyirize y’imishinga n’icyizere cy’uburambe bw’inzego z’ikigo.  

Mu gihe cy’iri suzuma, hazakorwa kandi inama izahuza Ubunyamabanga bw’Ikigega n’ibigo bigize ubufatanye kugira baganire ku gitekerezo cy’umushinga batanze, niba warizwe neza kandi uzabyara inyungu.

Umwanzuro w’’isuzuma ryimbitse ushobora kuburizamo amanota umushinga urambuye wari wagize. Mu gihe isuzuma ryimbitse ritageze ku mwanzuro ushimishije, Ikigega LCF gifite uburenganzira bwo kudasinya amasezerano n’ibigo byatanze umushinga bityo kigaharika itangwa ry’inkunga.   

Komite y’Ishoramari y’Ikigega ni yo yonyine izaba ifite inshingano yo kwemeza itangwa ry’amafaranga y’Ikigega LCF ku mishinga yatsinze. Izaterana mu gihe cy’icyumweru kimwe isuzuma ryimbitse rirangiye. Izafata icyemezo ishingiye ku ngingo zateguwe n’Ubunyamabanga bw’Ikigega, amanotayatanzwe n’impuguke mu mishanga ziturutse hanze ya LODA n’umwanzuro w’isuzuma ryimbitse aho umushinga uzakorera.

Icyemezo cya nyuma cyo gutanga inkunga giturutse muri Komite y’ishoramari y’ikigega LCF kizamenyeshwa ibigo bifite imishinga yatsinze hakurikijwe ingano y’inkunga ihari. Imishinga izashyirwa ku rutonde hakurikijwe amanota. Urutonde ruzaba rifute agaciro mu gihe cy’imyaka ibiri (2).

Mu gihe imishinga yemerewe inkunga izaba imaze kumenyeshwa ko ibiganiro ku masezerano bishobora gutangira, bazasabwa kuzana ubwishingizi bw’igice cya mbere cy’inkunga bazahabwa. Amafaranga asabwa kugira ngo ubwishingizi butangwe yishyurwa n’ibigo bigize ubufatanye.

Amasezerano y’Inkunga azashyirwaho umukono hagati y’Akarere n’Ikigo kiyoboye ubufatanye bwatanze umushinga. Amasezerano azagaragaza neza ibizubahirizwa mu ishyirwa mu bikorwa ry’imishinga ndetse n’inshingano za buri ruhande.

Uko amafaranga azajya atangwa bizasobanrwa mu masezerano hagati y’’Ikigo kiyoboye ubufatanye cyatanze umushinga n’Akarere. Amafaranga azajya atangwa mu byiciro bikurikira 40% – 40% – 20 %. Gahunda y’Ikurikirana n’isuzumabikorwa izitabwaho kuva mu itegurwa ry’’imishinga kuzageza isojwe.

Buri kigo cyahawe inkunga kizajya gitanga raporo buri gihembwe. Hateganyijwe inyandiko ngenderwaho zo gukora raporo z’ubwoko bubiri. Iyerekeye raporo y’’icungamutungo n’iyerekeye ibikorwa. Inyandiko ngenderwaho mu gukora raporo zibarirwa mu zigize amasezewrano.

Mu gihe cyo gusoza umushinga, hazashobora gukorwa ubugenzuzi bw’imari.