Muri iyi minsi, abayobozi b’amakoperative yo kubitsa no kugurizanya bari gucicikana kuri minisiteri y’ubutabera, bashaka noteri wa Leta.
Icyo bamushakira ahanini ni ukugira ngo bashobore kuzuza ibyangombwa basabwa na banki nkuru y’igihugu. Iyo banki yabahaye ku wa mbere tariki ya 31 Ugushyingo kugira ngo babe bujuje ibyangombwa basabwa, batabikora bagahagarikwa.
Nk’uko bisobanurwa na banki nkuru y’igihugu, amenshi muri ayo makoperative bita COOPEC (Cooperative d’Epargne et de Credit) yashinzwe mu gihe cy’akaduruvayo kakurikiye genocide yo muri 1994. Ba nyiri ayo makoperative bayashingaga nta mategeko bakurikije. Ubwo buryo bw’imikorere ngo bwari buteye impungenge ku mutekano w’amafaranga y’abakiriya.
Nk’uko ubuyobozi bwa banki nkuru y’igihugu bubivuga, imikorere y’ayo makoperative yari iteye inkeke, cyane cyane ko hari abashoboraga kuyihisha inyuma bagamije kwirira amafaranga y’abayabitsamo.
Ikindi kandi ni uko abanyamuryango na bo bashoboraga kuguza amafaranga ntibayishyure, kuko uburyo bwo gutanga amafaranga butakurikizaga amategeko.
Ayo makoperative kandi ahanini ngo akoresha abantu batabizobereyemo ibyo bigatuma badakurikiza amabwiriza agena imikorere y’amakoperative yo kubitsa no kugurizanya.
Indi mpungenge ni uko ba nyiri amakoperative bashobora kuyashinga bagamije kujya babona amafaranga yo gushora mu bucuruzi cyangwa mu bindi bikorwa byabo, cyane cyane ko abanyamuryango ahanini batita ku kumenya imicungira ya koperative babereye abanyamuryango.
Kubera ubwinshi bw’ayo makoperative, usanga ari gupiganirwa abakiriya, k’uburyo amenshi abizeza n’ibidashoboka. Bamwe mu bakiriya b’ayo makoperative ngo bayinjiyemo babwirwa ko iyo utanze amafaranga aya n’aya ushobora guhabwa inguzanyo iyakubye gatanu n’ibindi.
Bene abo bakiriya iyo bagezemo bakabura ibyo basezeranijwe, bahita bajya ahandi, ugasanga umukiriya umwe afite udutabo tw’amakoperative nk’ane cyangwa atanu atandukanye, ari ukugira ngo ashakishe abamuha amafaranga vuba.
Banki nkuru y’igihugu ubu yashyizeho amabwiriza agomba gukurikizwa kugira ngo ayo makoperative ashobore kubungabunga umutungo w’abanyamuryango bayo, ndetse na yo ashobore kugaruza inguzanyo atanga.
Ubu harabarurwa amakoperative agera ku 120. Cyakora ababikurikiranira hafi barasobanura ko menshi muri yo ashobora gufungwa kuko kuzuza ibyangombwa bisabwa bitazayorohera.
Bamwe mu bakiriya b’ayo makoperative baranasobanura ko amwe muri yo yaba yaratangiye kugira ibibazo byo guhomba n’ubwo ba nyirayo bo badashaka kubivuga.
Bamwe mu banyamabanki y’ubucuruzi nabo ariko ntibashimishijwe n’umubare munini w’ayo makoperative, kuko ngo yaba abatwara abakiriya. Gahunda ya Leta ariko yo ishyira imbere ikwirakwira ry’ayo makoperative mu gihugu cyose, kuko aribwo buryo bwo gukwirakwiza amafaranga mu giturage no kwigisha abaturage bo mu cyaro kumenya kubitsa no kuguza. Amabanki y'abaturage kugeza ubu ni yo menshi muri ayo makoperative.