Aguka Youth Fund yagarutse : Amahirwe agamije gushyigikira imishinga y’urubyiruko n’abahanzi

Minisiteri y’Urubyiruko n’Iterambere ry’Ubuhanzi (MoYA), ku bufatanye na Banki y’Iterambere ry’u Rwanda (BRD), yashyizeho ikigega cyihariye cyiswe Aguka Youth Fund, kigamije guteza imbere urubyiruko n’abahanzi babinyujije mu kuborohereza kugera kuri serivisi z’imari no kubona igishoro cyo guteza imbere imishinga yabo.

Iki kigega ni igisubizo ku mbogamizi urubyiruko n’abahanzi bakunze guhura na zo, zirimo kubura inguzanyo zidahenze ndetse n’ingwate zisabwa n’ibigo by’imari.

Aguka Youth Fund itanga amahirwe yihariye arimo kuba usaba inguzanyo asabwa ingwate itarenze 10% by’inguzanyo asaba.

Iyi nguzanyo iba ifite inyungu ya 9%, iri hasi ugereranyije n’izindi zisanzwe ku isoko, ndetse uwishyuye neza inguzanyo ye ahabwa inkunga ingana na 10% by’inguzanyo yafashe, iyo amaze kuyishyura neza.

Kwishyura inguzanyo bitangira nyuma y’amezi 3 uyifashe, ikishyurwa mu gihe kiri hagati y’amezi atandatu n’imyaka itanu bitewe n’ingano n’imiterere y’umushinga.

Ibisabwa kugira ngo wemererwe kubona Aguka Youth Fund

Kugirango umuntu yemererwe kugana iki kigega, asabwa kuba ari urubyiruko ruri hagati y’imyaka 18 na 30, cyangwa ari umuhanzi, gusa ku bahanzi imyaka ntirebwa.

Usaba iyi nguzanyo kandi agomba kuba afite umushinga w’ubucuruzi usanzwe ukora kandi ufite aho ugeze, ubucuruzi bwe bukaba bwanditse kandi yishyura imisoro, afite nomero y’umusoreshwa (TIN) n’ipatante.

Agomba kuba afite konte muri banki cyangwa ikindi kigo cy’imari akorana nacyo mu bucuruzi bwe, iyi konti imaze nibura umwaka ikora.

Usaba iyi nguzanyo agomba gutanga inyandiko igaragaza uko umushinga uhagaze, inyungu uteganya n’uko umushinga uzaramba, agomba kuba kandi asaba inguzanyo itarenze miliyoni 10 Frw, agatanga gahunda yo kwishyura inguzanyo, ndetse akaba yaritabiriye amahugurwa ajyanye n’ubucuruzi, yaba afite icyemezo cyabyo bikaba akarusho.

Abifuza kugana Aguka Youth Fund basabwa kwiyandikisha banyuze ku rubuga rwa Minisiteri y’Urubyiruko n’Iterambere ry’Ubuhanzi ndetse no ku mbuga nkoranyambaga zayo, aho basangaho link ibajyana ku ifishi yo gusaba inguzanyo.

Itariki ntarengwa yo kwiyandikisha ni ku wa 30 Gicurasi 2026. Nyuma y’aho, hazakorwa isuzuma ry’ibanze rigamije gutoranya abujuje ibisabwa, maze urutonde rwabo rushyikirizwe BRD kugira ngo ikore isesengura ryimbitse mbere yo gutanga inguzanyo.

Minisiteri y’Urubyiruko n’Iterambere ry’Ubuhanzi (MoYA) ku bufatanye na BRD Bank iramenyesha urubyiruko n’abahanzi ko Leta yabashyiriyeho ikigega kibafasha kugera kuri serivisi z’imari ku buryo buboroheye.

Aguka Youth Fund ni ikigega cyashyizweho na Minisiteri y’Urubyiruko n’Ubuhanzi mu Rwanda, kigamije gufasha urubyiruko rufite imishinga iciriritse cyangwa ruri gutangira ubushabitsi kubona igishoro kidahenze.

Announcement of MoYA

” Minisiteri y’ Urubyiruko n’Iterambere ry’Ubuhanzi (MoYA) kubufatanye na BRD yishimiye kumenyesha urubyiruko n’abahanzi ko Leta yabashyiriyeho ikigega kibafasha kugera kuri serivisi z’imari ku buryo buboroheye. Ikigega gitanga amahirwe ku rubyiruko n’abahanzi akurikira:

1. Usaba inguzanyo asabwa ingwate itarenze 10%;
2. Urwunguko ku mushinga (interest rate): 9%;
3. Uwishyuye neza ahabwa inkunga ingana na 10% y’inguzanyo yafashe, iyo arangije kwishyura kandi yarishyuye neza;
4. Kwishyura inguzanyo bikorwa nyuma y’amazi 3 ifashwe, ikishyurwa mu gihe kiri hagati y’amezi 6 n’imyaka itanu.
   Urubyiruko n’abahanzi bifuza gutangirana n’iki kigega basabwa ibi bikurikira:
   Kuba ari urubyiruko ruri hagati y’imyaka 18-30 cyangwa abahanzi (imyaka
   y’urubyiruko ntibareba);
   Kuba umushinga w’ubucuruzi usanzwe uhari kandi ukora neza; v Kuba ubucuruzi busanzwe bwishyura imisoro byibura umucuruzi afite nomero
   asanzwe yishyuriraho umusoro (Tin number) ndetse n’ipatante;
   Kuba usanzwe ufite konte mu kigo cy’imari, ikoreshwa mu mirimo y’ubucuruzi bwawe
   byibura imaze umwaka;

• Inyandiko igaragaza uko umushinga uhagaze, uko umushinga uzunguka (business projection) n’uko uzakomeza gutera imbere (sustainability);
• Kuba umushinga ukeneye inguzanyo itarenze miliyoni 10,000,000;
  v Inyandiko igaragaza uko inguzanyo izishyurwa;
• Kuba usanzwe ukorana n’ibigo bitanga amahugurwa ku ubucuruzi. Waba ufite icyemezo ko wahuguwe bikaba akarusho.

Uko kwiyandikisha bikorwa:

• Abifuza gusaba inguzanyo binyuze muri iki kigega biyandikisha banyuze kuri link
  iboneka kuri website n’izindi mbuga nkoranyambaga za Minisiteri
  y’Urubyiruko
  n’Iterambere ry’ Ubuhanzi.
• Igihe ntarengwa cyo kwiyandikisha muri iyi gahunda ni ku itariki ya 30 Gicurasi 2026.
  Hashingiwe ku rutonde rw’ibisabwa, urutonde rw’abujuje ibisabwa ruzashyikirizwa BRD kugirango hakorwe isesengura ryisumbuyeho mbere yo guhabwa inguzanyo.”