Ibanki BIJE, ibikorwa bigeze he?

Yashinzwe canecane kugira ishigikire imigambi y’urwaruka, hambavu yuko ari ibanki y’ubudandaji. Ibanki yo gushigikira imigambi y’iterambere mu rwaruka BIJE, ubu iri ku kivi kuva muri Nzero 2021. Amadosiye 825 y’abashaka gushigikirwa yaremewe, nayo urwaruka 166 rumaze kuronswa ingurane gushika mu ntango z’ukwezi kwa Myandagaro 2021 …

« Iyo banki isa n’iyatanguye ibikorwa iteba gato, ariko igihambaye nuko ubu iri ku kivi. » Ivyo vyavuzwe n’umwe mu rwaruka rwitunganiriza imigambi y’iterambere wo mu Kayanza, igihe twari mw’isekeza ry’umugambi « NUKU » wo kumenyekanisha urwaruka ruriko rurarangura imigambi yo kwiteza imbere hirya no hino mu gihugu. Sixte Niyuhire umuyobozi mukuru wa « BIJE” yemeza ko amadosiye 825 y’abashaka kwitunganiriza imigambi yari amaze kwemerwa kugira azoronswe ingurane gushika kw’igenekerezo rya 6 Myandagaro 2021.

Gutyo nyene, gushika kuri iryo genekerezo, urwaruka 166 rwitunganiriza imigambi ruva mu makomine 19 ari mu ntara 12 rwari rumaze kuronswa ingurane nkuko abandanya abimenyesha. Ariko rero urwo rwaruka ni urwishize hamwe mu makoperative canke mu mashirahamwe nk’uko vyashikirijwe na Niyuhire ku wa 6 Myandagaro aho umushikiranganji ajejwe urwaruka yagendera iyo banki.

Ingurane itangwa hakurikijwe ibisabwa… 

Urwaruka rutari ruke ntiruzi ibisabwa n’iyo ruca kugira ruronke ingurane muri « BIJE ». Iyo ngurane itangwa ari uko ikigega kijejwe guteza imbere imigambi y’urwaruka « FIGA » kikwishingiye. Ivyo rero kugira bikunde hari ivyo urwaruka rusabwa kugira rwuguruze ikonti. Ivyo na vyo ni nkuko rutegerezwa kuba ruhurikiye muri koperative canke rufise ishirahamwe, kuba iryo shirahamwe canke ihinguriro rifise amategeko arigena kandi rikaba ryemewe n’ikigo « API » canke « ANACOOP » b’ibindi

Ivyo kumenya ku bisabwa n’ibanki BIJE…

Ibisabwa mu kwuguruza konti mw’ibanki BIJE
> Kuba ari ikoperative, ishirahamwe canke ihinguriro
> Kuba ishirahamwe rifise amategeko agena ishirahamwe ariko n’icemezo ca ANACOOP canke ca API
> Kuba ishirahamwe rifise icegeranyo c’inama ya bose gishinga ishiramwe 
> Kuba ishirahamwe rifise icegeranyo c’inama ya bose gishiraho abazokurikirana ubutunzi bw’ishirahamwe kuri konte igihe batavuzwe mu cegeranyo gishinga ishirahamwe
> Ikete ryo gusaba kwugurura konti ryerekana abafise uburenganzira bwo gukura amahera kuri konti nuko bashobora kubikora (babiri muri batatu canke ko batatu bose bategerezwa kuvyemeza)
> Kuba mufise urupapuro ndangakoperative rutangwa na ANACOOP
> Inomero ndangamudandaza hamwe n’igitabu c’ubudandaji
> Kuzana ifoto ngufi (photo passeport) imwe ku muntu kuri bamwe batorwa ngo bazohore bakurikirana ubutunzi bw’ishirahamwe
> Kuzana ifotokopi z’amakarata karangamuntu zabamwe batorerwa igikorwa co gukurikirana ubutunzi bw’ishirahamwe
> Urutonde rw’abanywanyi bose b’ishiramwe ruriko inomero za karangamuntu zabo, amanimero y’amaterefone yabo hamwe n’imikono yabo hamwe
> Kwibangikanya imbitso z’ibanze zingana n’ibihumbi mirongo ibiri vy’amarundi (20.000fbu).

Ibikenewe mu gusaba ingurane

> Umugwi ishirahamwe ririmwo ikoperative (Ishirahamwe (Entreprise), Ihinguriro)
> Umwidondoro (Inomero ndangamudandaza (NIF), Igitabu c’ubudandaji (RC))
> Impapuro zitangwa n’intwaro kandi zica kwa noteri (Amategeko agena ishirahamwe, Amategeko ngenderwako y’ishirahamwe, Icegeranyo c’inama nkuru ya bose gishiraho abajejwe gukurikirana ubutunzi kuri konte, Icegeranyo c’inama nkuru ya bose yo gusaba ingurana muri BIJE) 
> Abajejwe gukurikirana ubuzima bw’ishirahamwe (Umwidondoro w’abajejwe gukurikirana ubutunzi kuri konte, abagize urwego nshingwantwaro hamwe n’abagize urwego nkenguzabikorwa, Inomero za terefone z’abajejwe gukurikirana ubuzima bw’ishirahamwe, Ikopi z’amakarata karangamuntu z’abajejwe gukurikirana ubutunzi bw’ishirahamwe kuri konte, Ikopi z’amakarata karangamuntu z’abanywanyi bose b’ishirahamwe 
> Gusaba ingurane (Ikete ryo gusaba ingurane ririko icemezo ca musitanteri wa komine)
> Ibisata bishigikirwa na BIJE (Uburimyi, Ubworozi, Guhingura ibivuye mu burimyi, Guhingura ibivuye mu bworozi, Igisata c’ingenzi n’amahoteri, Igisata kijanye n’ubuhinga bwo guhanahana amakuru no gutumatumanako, Ubuhinga n’akaranga, Ibidukikije)
> Ibindi bisabwa (Ibiharuro vyitezwe inyuma yirangurwa ry’umugambi, Integuro y’umugambi mugiye gukora , Ibiharuro vyerekana ubutunzi bw’ishirahamwe
> Urutonde rw’abaheranye (Gusuzuma ko atamunywanyi numwe ari kurutonde rw’abanywanyi b’amabanki baheranye)