EAFF ni Umuryango w’abahinzi n’aborozi bo mu karere k’iburasirazuba ugizwe n’imiryango minyamuryango 24 iriho nk’amakoperative cyangwa imiryango y’ishyize hamwe ikaba iboneka mu bihugu 10 byo mu burasirazuba bwa Afurika aribyo: Uburundi, Congo, Djibouti, Eritrea, Ethiopia, Kenya, Rwanda, South Sudan, Tanzania na Uganda. Intego nyamukuru z’umuryango w’abahinzi n’aborozi bo mu karere k’Iburasirazuba bwa Afurika (EAFF) ni ugukora ubuvugizi bw’abahinzi n’aborozi hagamijwe inyungu zabo ndetse no gukorera hamwe.

Umuryango w’abahinzi n’aborozi mu Karere k’Iburasirazuba (EAFF) ku bufatanye n’UMURYANGO IMBARAGA ,SYNDICAT INGABO, URUGAGA NYARWANDA RW’AMAKOPERATIVE (NCCR) Ku nkunga y’ikigo mpuzamahanga nterankunga gitezimbere ubuhinzi (IFAD), Hatangiye gushyirwa mu bikorwa umushinga ugamije kurwanya ubukene n’inzara muri Afurika y’iburasirazuba niy’Amajyepfo, Bikazagerwa ho binyujijwe mu kugaragariza urubyiruko amahirwe ahari yarufasha kubona ubushobozi, buzarufasha mu ishyirwamubikorwa ry’imishinga yarwo rugashobora kwitez’imbere ndetse no guhanga umurimo uyu mushinga watangiye gushyirwa mu bikorwa mu gushyingo 2017 ukaba uzageza mu kwakira 2020.

Iri tangazo rihamagarira urubyiruko rwibumbiye mu matsinda/Amakoperative cyangwa umuntu ku giti cye bakora ibikorwa byo kwitezimbere binyuze mu buhinzi n’ubworozi ndetse n’ibifite aho bihuriye nabyo gutegura imishinga izafashwa muri gahunda y’uyu mushinga.

EAFF Nyuma yo kubona ko urubyiruko rutoroherwa n’uburyo bwo kunona inguzanyo yo kurufasha kwitezimbere mu bikorwa bitandukanye by’umwihariko ubuhinzi mu rwego rwo kwihangira umurimo mu buhinzi n’ubworozi. EAFF yakoze inyigo igamije gushakishiriza urubyiruko amahirwe ashobora kurufasha kubona ubushobozi bwo kwihangira umurimo. Kugirango EAFF ishobore kugera kurubyiruko yashyize ho uburyo buri mwaka hatangwa amatangazo ashishikariza urubyiruko gukora no gutanga imishinga ruba rushyira mu bikorwa cyangwa ruteganya gukora, Itangazo rya mbere rishishikariza urubyiro gutanga imishinga ryatanzwe mu mwaka 2018, iri rikaba ari itangazo rya kabiri ari naryo ryanyuma ritanzwe muri gahunda y’uyu mushinga. Mu itangazo rya mbere ryatanzwe urubyiruko rwashoboye gutanga imishinga yarwo rungana n’6569 rw’abagore n’abagabo bafite imyaka iri munsi ya 35 rukora ibikorwa by’ubuhinzi n’ubworozi. Kugez’ubu urubyiruko rungana 6000 rwahawe amahugurwa ku gutegura neza imishinga ndetse rumwe muri rwo rubasha guhuzwa n’ibigo/Abantu ku giti cyabo hagamijwe kurwubakira ubushobozi no kubona amafaranga arufasha mu ishyirwa mubikorwa ry’imishinga itandukanye rukora.

Hagendewe ku byagenzwe ho ndetse n’amahirwe ahari ku rubyiruko rukora ibikorwa by’ubuhinzi n’ubworozi, EAFF yabonye amahirwe ayifasha gukomeza gushishikariza urubyiruko rushishikajwe no gutez’imbere ubuhinzi n’ubworozi kubikora nk’abanyamwuga nyabo. EAFF irahamagariara urubyiruko rwibumbiye mu matsinda,Amakoperative cyangwa umuntu ku giti cye ukora/uteganya gukora ibikorwa by’Ubuhinzi n’Ubworozi kinyamwuga(Agri business) akaba aherereye muri ibi bihugu Rwanda,Uganda na Kenya gutanga imishinga kugirango bafashwe gushashikishirizwa ubufasha ndetse no kububakira ubushobozi muri ibi bikurikira;
Kwigishwa uburyo bwo gutegura neza imishinga ishobora guhangana n’iyindi mu gihe hasabwa inguzanyo mu ma banki cyangwa ku baterankunga.
Gufasha guhuzwa n’inararibonye zakoze imishinga y’ubuhinzi n’ubworozi zigashobora kwitez’imbere.

Gushakishirizwa abaterankunga bafasha imishinga myiza kubona igishoro ndetse no kubaka ubufanye mu gusaranganya amahirwe yaboneka agamije gufasha urubyiruko.
Ubufasha buzatangwa ku mishinga isanzwe ikora ndetse n’itaratangira gushyirwa mu bikorwa iteganywa n’urubyiruko hagamijwe kurufasha guhanga umurimo.
Inkunga yerekeye ubuhinzi n’ubworozi bugomba kuba bugaragaramo guhanga udushya muri ibi bikurikira;

 Gutubura, gucuruza no gutunganya umusaruro w’ubuhinzi n’ubworozi
 Gukoresha ikoranabuhanga rigamije gukora ubuhinzi bugamije ubuhinzi, Urugero: Kuhira ibihingwa, Kubibika n’ibindi...
 Ubuhinzi bw’unguka, urugero: Nko gukora amatsinda atanga ubufasha nko kuhira imyaka, Guhinga cyangwa no bindi bikorwa byo mu buhinzi n’ubworozi.
 Gucunga neza umusaruro no kuwugeza ku masoko
 Ubucuruzi bw’inyongeramusaruro (Amafumbire, imbuto n’imiti y’ibihingwa)
 Inganda ntoya z’ibikorwa by’ubukorikori
 N’indi mishinga ifite aho ihuriye n’ubuhinzi n’ubworozi

1. Ibigenderwaho ku mushinga

Umushinga ugomba kuba ugizwe n’ibi bikurikira;

 Umushinga ugomba kuba ari uw’itsinda/Koperative cyangwa umuntu ku giti cye ufite atarengeje imyaka 35.
 Agomba kuba afite umushinga usanzwe ukora cyangwa utaratangira gushyirwa mu bikorwa
 Itsinda/Cooperative rifite ubuzimagatozi rigomba kuba rifite byibuze 70% ari urubyiruko. CBOs/FBOs ntabwo byemerewe.
 Utanga umushinga agomba kubahiriza ibi bikurikira bigaragara mu gice cya 3.
 Iyitonderwa: Imishinga iri mu ntangiriro ni iba byibuze imaze amezi ari munsi ya 6 naho imishinga ishyirwa mu bikorwa ni iba irengeje amezi 6, yaratangiye kubarirwa uburyo yinjiza amafaranga.

2. Ibizagenderwa ho mu guhitamo umushinga

Guhitamo umushinga hazibandwa kuri ibi bikurikira;

 Umushinga ugomba kuba ugaragaza udushya mu buhinzi n’ubworozi
 Uko umushinga ugaragaza uburambe bwawo n’imyungukire
 Umubare w’urubyiruko uzagera ho (Uzaha akazi)
 Urubyiruko rufite ibikorwa byarwo, n’abitabira ibikorwa byibuze batari munsi ya 70% by’urubyiruko.

3. Imitere y’umushinga utangwa

Umushinga ugomba kuba wujuje ibi bikurikira mbere y’uko utangwa, umushinga uzaba utujuje ibi byose uzakurwa mu yindi utizwe ho.

• Ugomba kuba ufite page ibanza igaragaraza Amazina ya nyirawo, Ikigo cyangwa itsinda, imyirondoro, na Logo niba muyifite.

• Ugomba kuba ufite inyandiko y’incamake y’umushinga: Iyi isobanura umushinga, intego zawo n’ibyo uzagera ho, isoko riteganywa n’uburyo bwo kurigera ho n’uko umushinga uzinjiza byibuze mu gihe cy’imyaka irindwi (7). Ntibirenze urupapuro rumwe (1).

• Gusobanura umushinga: Hano ni byiza gutanga ubusobanuro bwose bw’umushinga, ugaragaza amazina yawo, uruhare uwufitemo, aho uherereye/uzakorera, imyirondoro n’aho washakirwa, gusobanura icyerekezo cy’umushinga, n’intego zawo, igikorwa uzakora cyangwa serivise ugiye gutanga, amakuru rusange ku mushinga no kugaragaza ingufu, intege nke, amahirwe, n’ibishobora kubangamira umushinga wawe (SWOT Analysis) (Impapuro 3)

• Uburyo bwo kumenyekanisha ibyo ukora: Sobanura neza ibyavuye bushakashatsi wakoze ku guhitamo isoko ndetse unagaragaze uburyo uzamenyekanisha ibyo ukora, Gerageza kugaragaza uburyo uzbona abaguzi benshi hagendewe kubyo bakeneye, isoko ndetse n’ibiciro bizariranga, garagaza ibyo uzagurisha n’uburyo uzabigeza n’uburyo uzabigeza ku baguzi. (Impapuro 2)

• Imikorere y’umushinga: Garagaza ibikenewe mu mushinga wawe uzakora, ikoranabuhanga, uburyo bizakorwa ndetse nuko uzabungabunga ireme ry’ubwiza bw’ibyo ukora, garagaza uburyo uzacunga ibyinjiye n’ibyasohotse mu ibikorwa byawe haba mu buryo bw’inyandiko z’impapuro (Hard copy) cyangwa mu buryo bw’ikoranabuhanga (Soft copy).

• Imicungire y’umushinga: Muri macye garagaza inzego zizafasha mu gucunga umushinga n’uburyo zizashyirwa ho, igihe cy’ibikorwa by’umushinga n’uburyo bwo kwiyubaka mo ubushobozi.

• Gahunga y’icungamutungo (Financial Plan): Ni amafaranga angahe acyenewe kugirango utangire cyangwa ukomeze umushinga, n’uko azakoreshwa, hano gerageza ugaragaze imikoreshereze y’amafaranga mu mushinga, koresha imbonerahamwe iri hepfo ubigaragaze mu gihe cy’imyaka 7 ya mbere.

• Garagaza Gahunda yo guhangana n’ibiza/imbogamizi no gufata ingamba zo kubyirinda
Gufata ngamba; guteganya ibishobora kugenda ku bidateganyijwe

• Ibindi: shyiraho ibi bikurikira

 Incamake y’ibiranga abayoboye umushinga
 Ibaruwa y’imenyesha
 Impapuro z’amasezerano (Abaguzi, abagurisha) niba hari izihari
 Uburyo bw’imicungire/Imikoreshereze y’amafaranga
 Urutonde rw’abanyamuryango rugaragaza gender, Imyaka,na nomero z’amarangamuntu, list igomba kuba isinye n’uhagarariye itsinda/Koperative,Umubitsi cyangwa umwanditsi.

ICYITONDERWA.Umushinga ugomba kuba ugaragaza neza igihugu uzakorera mo.

Igihe cy’itangwa ry’imishinga

Iri tanagazo riramara ibyumweru 4 kuva kuri 17 z’ukwa 1 kugeza kuri 13 z’ukwa 2, umwaka wa 2019

NB: Imishinga izakirwa niyo mu bihugu bikurikira, Rwanda, Kenya, Uganda
Imishinga izatangwa kuri e-mail gusa.

Mwohereze kuri izi e-mail:
UBUNYAMABANGA BWA EAFF
YOUTH ENTREPRENEURSHIP AND YOUTH PROGRAM
P.O.BOX 13747 – 00800 NAIROBI
EMAIL: [email protected]
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NYIRASAFARI DATIVA
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