Sanlam Rwanda

**Sanlam** ni itsinda ry’ibikorwa by’imari ryo muri Afurika yepfo rifite icyicaro i Bellville, muri Cape, muri Afurika yepfo .  Sanlam ni isosiyete nini y'ubwishingizi muri Afurika . Urutonde rwimigabane ya Johannesburg, Isoko ry'imigabane rya Namibiya na A2X .  Yashinzwe muri 1918 nk'isosiyete y'ubwishingizi bw'ubuzima,  Sanlam Group yateye imbere mu bucuruzi butandukanye bwimari. Ibice bitanu by'ubucuruzi bigizwe na Sanlam Imari Yumuntu, Isoko rya Sanlam Emerging, Ishoramari rya Sanlam, Sanlam Corporate na Santam . 

Itsinda ry'inzobere mu matsinda harimo ubwishingizi (ubuzima na rusange), igenamigambi ry’imari, amafaranga y’izabukuru, ikizere, ubushake, ubwishingizi bw'igihe gito, gucunga umutungo, gucunga ibyago n'ibikorwa by'isoko ry'imari, ishoramari n'ubutunzi. Iri tsinda rikorera muri Afurika  , Namibiya , Botswana , Swazilande , Zimbabwe , Ubuhinde_ Malesiya_ Ubwongereza_ Amerika, Ositaraliya, Uburundi,  Lesotho na Philippines . Ifite imigabane yinzobere mu bwishingizi, Naho Micro-Ensure Holdings Limited ikorera mu Bwongereza, ifite icyicaro muri Afurika  no mu Buhinde ikorera abakiriya barenga miliyoni 10.

Kugura mu kwa 2018 kwa SAHAM Finance byatumye iba umukinnyi ukomeye muri Afurika muri serivisi z’imari itari iy'amabanki  kandi iha imurikagurisha Maroke, Angola, Alijeriya, Tuniziya, Niger, Mali, Senegali, Gineya, Burkina Faso, kote Divuwari, Togo, Benini, Kameruni, Gabon, Repubulika ya Kongo, Madagasikari, Libani na Arabiya Sawudite .

## Amateka
Muri Gashyantare 2023, umuyobozi w’umurage n’umutungo wa Afurika yepfo na Sanlam batangaje ko bazahuriza hamwe bashiraho ubucuruzi, isambu hamwe n’icyizere hamwe. Ubucuruzi bugomba kwemezwa n’amabwiriza, buzabona Sanlam Life Insurance Limited ( Sanlam Life ) igurisha ubucuruzi bwayo bwizewe, Sanlam Trust, muri Capital Legacy na Sanlam Life ibona hafi inyungu zigera kuri 26% mu itsinda ryagutse ry’umurage mukuru ririmo Sanlam Trust, ubucuruzi nyuma yo kurangiza ibikorwa. Ikigo cyahujwe kizacungwa nu Murage Murage.  

## Kongera imbaraga mu bukungu
Sanlam kuva muri 1993 yagize uruhare mu kuzamura ubukungu bw’abirabura ( B-BBEE ) binyuze mu bufatanye n’iryo tsinda n’Ubuntu-Botho Investments. 

Ubufatanye bwa Ubuntu-Botho B-BBEE bwatumye ihuriro rinini ry’ingufu z’abirabura zigura imigabane 10% muri Sanlam  mu cyagombaga kuba kimwe mu bikorwa bigera kure cyane muri Afurika yepfo kugeza ubu.

Mu Ukuboza 2013, igihe cya mbere cy'amasezerano y'imyaka 10 yu bucuruzi na Ubuntu-Botho  cyarangiye, hamwe na miliyoni  66.5 yatinze imigabane yujuje ibisabwa kugirango ihindurwe imigabane isanzwe. Amasezerano yashyizeho agaciro kangana na miliyoni 15, bigatuma twavuga ko ari kimwe mubikorwa byatsinzwe muburyo bwayo mumateka ya Afrika yepfo.  Muri 2014, habaye amasezerano yo kongera ubufatanye na Ubuntu-Botho mu bihe biri imbere. 

* Ubuzima bwa Botswana, Botswana - 60% binyuze muri Botswana Insurance Holdings Limited  (BIHL)
* Ubuzima bwa Sanlam, Namibiya - 100%
* Sanlam Namibia Holdings, Namibiya - 59%
* Ubuzima bwa NICO, Malawi - 62%
* Ubwishingizi bw'ubuzima bwa Sanlam, Kenya - 57% binyuze muri Sanlam Kenya Group
* Ubwishingizi bw'ubuzima bwa Sanlam, Tanzaniya - 64%
* Ubwishingizi bw'ubuzima bwa Sanlam, Zambiya - 70%
* Ubwishingizi bw'ubuzima bwa Sanlam, Uganda - 100%
* Ubwishingizi bw'ubuzima bwa Sanlam, Nijeriya - 100%
* Ubwishingizi rusange bwa Sanlam, Nijeriya - 100%
* Ubwishingizi bw'ubuzima bwa Shriram, Ubuhinde - 42% binyuze muri Shriram Capital
* Soras Vie, u Rwanda - 100%
* Ubwishingizi bwa MCIS, Maleziya - 51%
* Ubwishingizi bw'ubuzima bwa Sanlam, Mozambike - 51%
* Ubuzima bwa Zimnat, Zimbabwe - 40%

### Ishoramari rya Sanlam

#### Gucunga umutungo

* Imicungire y’ishoramari rya Sanlam (SIM) - icunga ibigo hamwe nishoramari rusange hamwe (ikigega cyizere)
* Sanlam Ibisubizo byubatswe - ibicuruzwa byubatswe

#### Ubuyobozi bwinshi

* Sanlam Multi Manager International (SMMI) - ubucuruzi bwo gutanga inama zishoramari

#### Ubundi ishoramari

* Blue Ink - umuyobozi w'ikigega cya hedge yibanda kumasoko yishoramari ryaho ndetse nisi yose
* Sanlam Ubundi Ishoramari - ryibanda ku guhuza inyungu nziza zishoramari hamwe ningamba zo kurinda ingaruka mbi kugirango habeho ubutunzi kubakiriya bacuruza nibigo.
* Ishoramari rya Sanlam Afurika - hamwe n’ibihugu 13 bya Afurika, Ishoramari rya Sanlam rifasha abashoramari kubyaza umusaruro amahirwe yo kuzamuka kw’Afurika binyuze mu gushakisha no gucunga neza ishoramari mu byiciro bitandukanye by’umutungo

#### Ishoramari ryoroshye

* Satrix  - itanga abashoramari byoroshye, bidahenze kugera kumasoko binyuze muburyo butandukanye bwibicuruzwa byishoramari byacunzwe neza .

#### Gucunga imari:

* Imicungire y’imari - icunga igice cyumutungo wa gatatu wa Sanlam hamwe nabafatanyabikorwa ba politiki
* Isoko ry'imari shingiro rya Sanlam (SCM)
* Sanlam Yigenga (SPE)

#### Inyungu z'abakozi

* Inyungu z'abakozi ba Sanlam - Itanga serivisi zishinzwe gucunga no gushora imari mubigo n'amafaranga y'izabukuru
* Itsinda rya Sanlam Risk (SGR)
* Umukozi wa Sanlam Yunguka Ishoramari (Ishoramari rya SEB)
* Sanlam Umbrella Ibisubizo (SUS)
* Ubuyobozi bw'ikigega cy'izabukuru cya Sanlam (RFA)
* Abajyanama ba Simeka hamwe nabakinnyi

#### Gucunga umutungo

* Sanlam Umutungo Wigenga (SPW) - Gucunga umutungo wumukiriya wigenga no kubika imigabane
* Ishoramari rya Calibre - 50.1% - Gucunga ishoramari rya Ositaraliya
* Sanlam Ishoramari ryigenga Ubwongereza - 97% - Ubwongereza bwita ku mutungo wigenga hamwe n’imigabane
* Inama y'Inama - 65% - Itsinda mpuzamahanga ryigenga ryigenga ryu Busuwisi
* Serivisi zubujyanama bwishoramari na serivisi ziringirwa n’imisoro

#### Ishoramari mpuzamahanga

* Abafatanyabikorwa ba Sanlam International Investment - bayobora ubufatanye bwashyizweho n’ibigo by’inzobere mu gucunga ishoramari mu mahanga
* SIM Global - icunga igihe kirekire-cyihariye cyinzobere mumafaranga mpuzamahanga
* Imicungire y'umutungo wa Sanlam Irlande ( SAMI ) - Urubuga mpuzamahanga rwa Sanlam rwo gucunga ishoramari i Dublin gucunga amafaranga atuye muri Irilande
* Sanlam UK - Umukinnyi ucunga umutungo muri serivisi zicuruzwa zicuruzwa mu Bwongereza, ugizwe n’ishoramari rya Sanlam na Pansiyo, Ikwirakwizwa rya Sanlam, Umutungo bwite wa Sanlam no gucunga ishoramari
* P2 Mpuzamahanga - Serivisi ishinzwe ishoramari mpuzamahanga
* Ishoramari rusange rya Sanlam - gucuruza, gucungwa byinshi, ibigo nundi muntu wa gatatu gushora hamwe.

### Santam
Sanlam ifite inyungu 60% muri Santam, nayo ikora binyuze mubucuruzi bukurikira:

* Ubwishingizi bwa Santam - imirongo gakondo ninzobere hagati yubucuruzi
* MiWay  na Centriq  - ubwishingizi bwigihe gito kubakiriya binyuze mumiyoboro itaziguye
* Santam Re - ubwishingizi mumasoko agaragara

## Umuyobozi mukuru wa Sanlam

* Paul Hanratty, Umuyobozi mukuru w'itsinda
* Anton Gildenhuys, Umuyobozi mukuru: SA Umutunzi wo gucuruza
* Tavaziva Madzinga, Umuyobozi mukuru: Santam Limited
* Bongani Madikiza, Umuyobozi mukuru: SA Misa yo gucuruza
* Sydney Mbhele, Umuyobozi w'itsinda: Sanlam Brand
* Jeanett Modise, Umuyobozi mukuru: Abakozi
* Kanyisa Mkhize, Umuyobozi mukuru: Sanlam Corporate
* Wikus Olivier, Umuyobozi mukuru w'itsinda: Ingamba
* Robert Roux, Umuyobozi mukuru: Itsinda ry’ishoramari rya Sanlam
* Karl Socikwa, Umuyobozi mukuru w'itsinda: Iterambere ry'isoko
* Jurie Strydom, Umuyobozi mukuru: Ubuzima no Kuzigama
* Heinie Werth, Umuyobozi mukuru: Isoko rya Sanlam. Umuyobozi mukuru
* Mlondolozi Mahlangeni, Umuyobozi mukuru ushinzwe ibyago. Umuyobozi mukuru
* Abigail Mukhuba, Umuyobozi ushinzwe imari

## Amakuru ya vuba
Sanlam yatangaje ko kwiyongera kwa 22% mu bucuruzi bushya bugera kuri miliyari 100 mu mezi atandatu kugeza muri Kamena 2015,  ugereranije n’icyo gihe cyo muri 2014. Umusaruro uva muri serivisi zimari wazamutseho 5% mugice cya mbere cyumwaka wa 2014, naho 11% mugihe ibintu bimwe byigihe kimwe. Buri mwaka RoGEV kumugabane wa 13% yarenze intego ya 12.1%. Itsinda ryibanze ryibikorwa byo gupima agaciro kinyamigabane ni RoGEV.

Muri Gashyantare 2023 Umurage Umurage na Sanlam batangaje ko bagiye guhuriza hamwe imbaraga mu gushyiraho ubushake bukomeye, imitungo ndetse n’ubucuruzi hamwe.   

## Reba kandi
 

* Ubukungu bwa Afrika yepfo

## Reba