gisagara gutereranwa ninzego zibafite nshingano byadindije iterambere bamwe baturage
kwishyuzwa umwenda bamwe batazi kutubahiriza amategeko miyoborere koperative bimwe bigaragaza inzego zibanze nizishinzwe amakoperative zatereranye abanyamuryango basaga magana ane koperative yabahinzi bibigori bishanga rwibona kihene murenge kansi ho karere gisagara rwibona kihene bitandukanywa n’umuhanda uva i huye ukomeza ukanaca biro by’umurenge kansi koabirwiki koperative yahawe ubuzimagatozi tariki gicurasi nikigo cyigihugu gishinzwe guteza imbere amakoperative ihabwa icyangombwa nimero rca iva mikorere yishyirahamwe ryari ryarashinzwe pasiteri kaje wayoboye amezi make agasimburwa mwaka habimana alexis usanzwe umunyamuryango waje kugirirwa icyizere agakomeza kuyobora imaze kuba koperative kugeza magingo muri nyakanga koperative yatse inguzanyo urwego bank ikitwa urwego opportunity bank ihabwa miliyoni cumi neshanu yagombaga kuguriza abanyamuryango binyuze mbuto nifumbire ndetse bikorwa gukusanya umusaruro nkuko umuyobozi wayo abivuga iyi nguzanyo ntiyaje gukora yasabiwe kuko miliyoni umunani gusa zakoreshejwe nyungu koperative miliyoni zirindwi zamafaranga yu rwanda zigurizwa umukozi wiyo bank ushinzwe inguzanyo icyemezo cyafashwe perezida habimana alexis ndetse numucungamutungo koperative hatagishijwe inama komite cyangwa ibimenyeshwe byakomeje kuba ibanga batatu kugera mpera nyuma yinama yinteko rusange yazamuye impaka ideni iyi nguzanyo yagombaga kwishyurwa bitarenze tariki nyakanga ariko raporo banki igaragaza umwenda koperative uhagaze kugeza tariki kanama yagaragaje hanagiyeho amande yubukererwe umwenda ugera miliyoni zisaga makumyabiri nicyenda frw asobanura ibyuyu mwenda habimana yemeza miliyoni zirindwi zagurijwe umukozi banki ariko ntiyubahirize bavuganye umuyobozi wakarere gisagara jerome rutaburingoga avuga kuba koperative yaragurijwe amafaranga menshi arenze kuyo ikeneye bagahitamo kuyaguriza umuntu giti cye ibintu bidasobanutse ibi byarushijeho guteza umwuka mubi banyamuryango ndetse bamwe bifuza muyobozi yavanwaho ariko inzego zibanze ntizabishyigikira kimonyo innocent uyobora umurenge kansi avuga hari abanyamuryango benshi bagiye bifuza akomeza kubayobora amatora yagera bakamwongeza manda kimonyo avuga bateganya gufasha koperative gukora amatora komite igaragaje raporo yishusho rusange koperative raporo yagombaga gutangwa bitarenze kanama nkuko muyobozi abivuga nyamara ugushyingo kwatangiye itaraboneka ibi biha habimana gukomeza kuyobora buryo bunyuranyije nitegeko kuko manda yemerewe azirengejeho amezi atanu ingingo yitegeko n ryo rigena ishyirwaho imiterere nimikorere yamakoperative rwanda nkuko ryavuguruwe kugeza igira iti manda yinama yubuyobozi imyaka itatu nta muntu nama yubuyobozi ushobora gukora manda zirenze ebyiri zikurikirana koperative nsengimana baptiste visi perezida koperative akaza kwirukanwa avuga kuguriza umukozi banki atabimenyeshejwe yabimenye nyuma agasobanura gutinda buyobozi habimana byatewe numuyobozi wumurenge agira kubera amadeni habaye amatora uwari umuyobozi wumurenge aravuga koperative irimo ibibazo byamafaranga yurwego bank wajyaho naya madeni byamugora ndumva komite mwayongeza igakurikirana ibintu byideni nsengimana ntakiri koperative ariko yakomeje ibikorwa bye by’ubuhinzi byabereye bamwe imbogamizi kwiteza imbere niyonsaba anastasie umupfakazi ufite imyaka atuye kagali bwiza murenge kansi yirukanywe koperative tariki mata azira yabuze ubushobozi guhinga parcel ze zikarara muri mwaka irindi tsinda abamo ryabagore rigira igitekerezo kuguza amafaranga rigure amatungo magufi ryoroze abanyamuryango ariko ntibyashoboka kuko raporo transunion menyesha crb yerekana indangamuntu irimo umwenda banki kuva nibwo yamenye banki imubaraho umwenda miliyoni ebyiri nkuko raporo crb dufitiye kopi ibigaragaza biba intambamyi kugura matungo itsinda ryose kugeza ibi byaramuyobeye kuko avuga nguzanyo yigeze asaba cyangwa asinyire banki kandi atanabasha kuyishyura cyiciro mbere cyubudehe gusa mwaka yisanze kabiri niyonsaba anastasie iwe rugo avuga uretse byabereye imbogamizi nabandi bagore iryo tsinda kuko batarabasha guhabwa nguzanyo borozanye ikibazo cye yakigejeje muyobozi koperative amubwira kundi byagenda agomba kwishyura mwenda umujyanama koperative witwa nzeyimana andre yamubajije yakuye bipapuro crb abungana agira yarambwiye ubundi wabikuye he umuntu cyiciro mbere ubundi leta wakwiturije izishyuzwa twagerageje kuvugana ntezimana andre ariko yanga gutanga amakuru atitaye byangombwa byakazi umunyamakuru yamweretse yagize amakuru atangwa nubuyobozi jye ntayo naguha tuzi se amakuru uyashakira haba hari impamvu amakuru akenewe tukamenye impamvu wahagurutse ukaza hano ubwo se umuntu wese yaza numucengezi ukamuha amakuru ntezimana bajyanama koperative yanze kugira amakuru atanga si niyonsaba gusa kuko munyawera mathias yatswe icyangombwa cyubutaka amezi akaba asaga atandatu avuga ahubatswe ubuhunikiro nibiro koperative hari ubutaka bwe bwaguzwe arishyurwa ariko umuyobozi koperative akaza kumwaka icyangombwa cyubutaka gice gikurwe butaka bwe avuga amezi asaze atandatu akimwaka akamusaba kuba yitonze tuganira munyawera inyuma gato hari ntezimana akurikiranira abavugisha itangazamakuru gusa habimana avuga munyawera amasezerano yayagiranye minagri atari koperative mvugo iteruye akumvikanisha ibyicyo cyangombwa atabizi ariko nyine baramuguriye bagombaga kujya gukuraho ubutaka bwaguzwe inyubako koperative irimo ibiro n’ububiko bw’umusaruro munyawera avuga byamudindije kuko afite gahunda kugisabiraho inguzanyo sacco akiteza imbere uretse kandi afite impungenge zikomeye ibyabaye niyonsaba byamubaho akazasanga cyarifashishijwe ubutaka bwe bugatangwaho ingwate atabizi uretse hari nabandi byabereye ikibazo gikomeye kuko nabagize bagurizwa babazweho imyenda ihabanye nibyo bagurijwe nkuko byagarutsweho nitsinda ryabanyamuryango twasanze rihinga gishanga barimo uwitwa nikuze delphine bati perezida ubwe ntacyo adutwaye ariko ririya deni hari riremereye ariko gute umuntu yaba yaragurijwe ibihumbi mirongo itanu akishyuzwa ibihumbi magana atandatu mafaranga wayishyura ute abahinzi twasanze murima nabo bavuga hari abishyuzwa umurengera urutonde dufitiye kopi rwabarimo umwenda rugaragaza abanyamuryango hamwe bakabamo amafaranga ibi bigaragaza koperative itizeye ubwishyu buzava ku muyobozi wakarere makuru mashya umuyobozi wakarere gisagara rutaburingoga jerome yabashije kutuganiriza kibazo saa moya zumugoroba tariki ukwakira gusa kuko yamenye amakuru dukeneye yatumyeho habimana alexis babanje kuganirira muhezo biro meya iminota isaga mirongo itatu biganiro bagiranye yanamubajije umuntu wajyanye kibazo itangazamakuru meya rutaburingoga yavuze kibazo atari akizi ariko biganiro amaze kugirana habimana yamubwije ukuri byagenze agira buriya uramfashije numvaga gusa koperative harimo ibibazo nkabyumva nkibintu bisanzwe ariko ubundi uvuga byabayeho sinakubeshya rwose muri mafaranga batse banki yabahaye menshi muntu ushinzwe inguzanyo bank arababwira nubundi nimuyagarura bazabaka inyungu nimuyangurize mbasinyire nzayabishyura ninyungu zayo barayamuhaye icyemezo gifatwa perezida numucungamutungo gusa meya rutaburingoga biro bye aganira n’umunyamakuru uyu muyobozi avuga ibyakozwe habimana bigize icyaha kandi abyemera ariko utuntu duto ndetse agira inama umunyamakuru kureka nkuru akajya avuga ibyiza gusa bikorerwa aka karere kuko agakomokamo ibindi meya avuga bidasobanutse uburyo banki yandika umwenda muntu giti cye kandi warasabwe koperative nkuko byagendekeye umukecuru niyonsaba ntiyumva kandi uburyo banki ibura gukura ubwishyu ngwate iba yarahawe ikajya gushyirisha abantu crb ushinzwe ishami ryubucuruzi urwego banki ndoli john bosco avuga mikorere yamakoperative ngwate batanga kuko intego yibigo byimari bito nibiciriritse ukuzamura abaturage akenshi usanga badafite ningwate bakwerekana bagurizwe namabanki yubucuruzi asobanura nubwo banki iba yaragurije koperative ndetse ikaba nayo yishyuza buri munyamuryango afite amafaranga yumwenda amwanditseho ibi bigaragaza miliyoni zirindwi zifite abanyamuryango zanditseho aricyo cyazamuye umubare wumwenda bamwe babarwaho ndoli john bosco asobanura imitangire y’inguzanyo bigo by’imari bito ndoli agira iyo bagiye gufata inguzanyo ngwate tubasaba ababahagarariye nibo bahitamo noneho bakaza kuko koperative iba irimo abantu benshi cyane haza ababahagarariye iriya koperative ho haje perezida numucungamutungo ubundi abandi basinye nibo bahitamo bafata bakaduhereza tukayabaha gusa avuga umukozi wayo yakoze amakosa kuko nkumunyamwuga atagombaga kwakira amafaranga yabakiriya banki ikibimenya yahise imukoraho ubugenzuzi bwihariye bwatangiye tariki bugeza tariki ukwakira amakosa aramuhama bamusezerera kazi umuyobozi wikigo cyigihugu gishinzwe guteza imbere amakoperative harelimana jean bosco avuga kuba umuyobozi wakarere yavuga ikibazo nkiki atakizi nta kitareba meya koperative nkuko kigo nderabuzima harimo ikibazo abibazwa nako koperative harimo ikibazo abibazwa ku kibazo koabirwiki avuga nkizindi koperative zose zifite ubuzimagatozi uburenganzira bwazo gufata ibyemezo byose byaba gusaba inguzanyo gutanga impano nibindi ariko byemezo bibaye bibi bigatera imicungire nimiyoborere mibi twe duhita tubimenya ako kanya abacunze nabi turagenda tugakora ubugenzuzi tukahava twizeye tubashyikirije inzego zubutabera nkuko inzego zombi zibyemeza byamenyekana bugenzuzi akarere cyangwa rca byakoreye koperative hakurikiranwe imvano nicyakorwa irusheho kubera abanyamuryango inzira gutera imbere iyi nkuru yatunganyijwe bufatanye n’ishyirahamwe ry’abanyamakuru rwanda arj