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Diogène Mutabaruka
Agashinguracumu Ltd - Ibinyobwa
"Amahugurwa ya BPN yamfashije gusobanukirwa isi yose ku bucuruzi bwanjye, kandi byanyigishije uko nafata ubucuruzi bwanjye mu maboko yanjye."
Muri BPN, twizera ko ba rwiyemezamirimo bafite imbaraga bafite ubushobozi bwo kubaka imishinga irambye. Icyo bakeneye ni umufatanyabikorwa wizewe kandi wizewe kugirango afashe gufungura ubwo bushobozi. Abatoza ba BPN babigize umwuga bagendana na ba rwiyemezamirimo nk'abafatanyabikorwa bizewe mu rugendo rwabo rwo gukura.
Mugihe cyose cya gahunda, BPN itanga ubufasha bwa rwiyemezamirimo. Ibi bifasha kubaka ikizere hagati ya BPN na rwiyemezamirimo kandi ni urufunguzo rwubufatanye bwiza. Iyi gutoza itangirana no kumenya ubushobozi bwa rwiyemezamirimo. Umutoza ku giti cye akora mukumenya ibibazo byubucuruzi n'amahirwe yihariye. Abatoza bacu bafasha rwiyemezamirimo kubona inzira nziza yo kunyuramo mugihe ahuye nibibazo kandi bashishikariza ba rwiyemezamirimo gukora muburyo bwubunyangamugayo.
Turabikesha imyitozo isanzwe yo gutoza, ibihe bikomeye birashobora kumenyekana hakiri kare bityo tukirinda. Ibintu nkubuyobozi bwa HR, iterambere ryihariye rya rwiyemezamirimo, ruswa, umubano mwiza nubuyobozi, nibindi bikemurwa mugihe cyo gutoza. Icy'ingenzi cyane, mugihe cyo gutoza, turasesengura ubushobozi bwiterambere ryubucuruzi, kandi rwiyemezamirimo arasabwa intego yo hejuru nkuko bishoboka.
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"Amahugurwa ya BPN yamfashije gusobanukirwa isi yose ku bucuruzi bwanjye, kandi byanyigishije uko nafata ubucuruzi bwanjye mu maboko yanjye."
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BPN yaje mubuzima bwanjye mugihe gikwiye. Nari narumiwe, mpura nibibazo byumuntu numwuga, kandi ngiye kureka. Inkunga nahawe binyuze muri gahunda yamfashije gutunganya ubucuruzi bwanjye, kubaka imiterere ikwiye, no gushyira mu bikorwa sisitemu nziza. Nize kandi uburyo bwo kuba umuyobozi ukomeye muri sosiyete yanjye. Hatariho BPN, ndizera ko nizera ko naba narahagaritse ubucuruzi bwanjye. Uyu munsi, ibikorwa byacu birateguwe neza, kandi ibyo twinjije byikubye kabiri.
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BPN rwose yaje mugihe cyingenzi mukuzamura ubu bucuruzi, kandi twari dukeneye gusa ubwo buyobozi kugirango tugere kumurongo ukurikira. BPN ifite uburyo bwo kukubaza ibibazo byingenzi kugirango ucukure cyane mubucuruzi bwawe ntigeze mbona. Ibi byanyemereye rwose gufata ibyemezo bifite ishingiro kandi bidashingiye gusa kumarangamutima, ibyemezo byumvikana mukuzamuka kwubucuruzi.
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Ati: “BPN yamfashije gutera imbere, atari nka rwiyemezamirimo gusa, ahubwo nk'umuntu. Niteguye cyane, nibanda cyane, kandi nabonye impinduka nziza mu mibanire yanjye n'umuryango n'inshuti. Porogaramu yampaye ibikoresho byo kuzamura ubucuruzi bwanjye, ariko kandi n'ibitekerezo byo kubaho no kuyobora neza.”
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"Amezi umunani muri gahunda, natangiye kubona ibisubizo. Navuye ku bakozi 3 njya kuri 21. Nta BPN, ntekereza ko nta muntu n'umwe wari kumenya uwo ndi we. BPN yanyigishije ubunyamwuga n'uburyo bwo gukora ubucuruzi. Ariko icy'ingenzi, batwigishije ko gushyiramo bigomba kuba nkana."
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"Rimwe mu masomo y'ingenzi nakuye muri BPN ni ukureba ibibazo no kumenya ko hari amahirwe abihishe. Hari igihe ububaji bwanjye bwuzuyemo amazi y'imvura. Narebye akajagari ndavuga nti:" iyi izaba icyumba cyacu cyo kwerekana ". Kandi ihinduka icyumba cyacu cyo kwerekana!"
Nyuma yo gutoranya gukomeye, abitabiriye gahunda bahugurwa mumyaka ibiri mumahame shingiro yubuyobozi bwubucuruzi kandi baherekejwe ninzobere zacu tekinike mugutezimbere kwabo. BPN itanga amahugurwa atandukanye, buri minsi 2-5.
Abitabiriye BPN bahuguwe mugihe cyimyaka ibiri mumahame shingiro yo gucunga imishinga. BPN itanga amahugurwa atandukanye: amahugurwa 4 yibanze kubucuruzi, buri minsi 4-5. Ingingo nka 'Igitekerezo cyo kwihangira imirimo, gucunga imari, kwamamaza no kuyobora' bikemurwa muburyo bwuzuye, byubaka mubuzima bwa buri munsi bwa Rwiyemezamirimo mu Rwanda. Byongeye kandi, BPN itanga amahugurwa atabigenewe ahujwe n’imiterere y’ibanze, kandi akagaragaza ibikenewe, nko gucunga igihe, gucunga amakimbirane, amategeko agenga umurimo mu Rwanda, Amabanki kuri SMEs, kuvuga amazina make, hagamijwe kuzamura urwego rw’umwuga.
Abatoza ba BPN ni Impuguke gusa mubyiciro byabo byamahugurwa. Kubera ko amahugurwa yibanze cyane kubintu bifatika, gushyira mu bikorwa amahame yabonetse biroroshye, kandi amahirwe yo gutsinda asa naho atanga icyizere. Ishuri ry'ubucuruzi rya BPN rirakinguye kubantu. Aya mahugurwa, yitabiriwe n’uruvange rwinshi rwa ba rwiyemezamirimo ba BPN hamwe n’abandi bakozi barimo ibigo bya Leta n’imari, binemerera kwiga urungano rw’urungano no guhuza imiyoboro, bityo bikagira ingaruka nziza.
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"Igihe navaga mu mahugurwa yanjye ya mbere ya BPN, numvaga meze nk'umuyobozi. Nabonye neza uko ubucuruzi bwanjye bugomba kumera n'uburyo bugomba gukorwa. Umugabo wanjye yarambonye arambwira ati:" uri umuntu utandukanye "."
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"Kera nizeraga ko ikintu kimwe nari nkeneye kugira ngo nkomeze ubucuruzi bwanjye ari ukubona imari. Ubu, kubera amahugurwa ya BPN no gutoza, nzi ko ngomba gushaka ayo mafaranga aho kuyakoresha. BPN, wakomeje imbaraga zanjye no kwiyemeza."
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"Amahugurwa ya BPN ni yo yagize ingaruka zikomeye nigeze kwitabira mu rugendo rwanjye rw'ubucuruzi. Zuzuyemo ibintu by'agaciro, kandi biranshimishije cyane. Buri gihe bansunikira gukora cyane no gukora neza."
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"Ndi umuganga, nzi neza umubiri w'umuntu. Amahugurwa ya BPN nk'inyongera anyigisha ishingiro ryo kwihangira imirimo. Byongeye kandi, byamfashije gusobanukirwa n'akamaro ko gucunga imari mu kigo."
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"Amahugurwa ya BPN yamfashije kureba ibibazo byanjye mu bucuruzi mu buryo butandukanye no kubishakira amahirwe. Ibi kuri njye, ni impinduka zikomeye."
Ishyirahamwe rya ba nyiri ubucuruzi bwa BPN (BOA) rihuza neza Abashoramari barangije neza bafite inyungu rusange hagamijwe kuzamura iterambere ryubaka ryihangira imirimo mu Rwanda. Hamwe niyi ntego, ihagarariye inyungu zabanyeshuri ba BPN kumugaragaro no mumibanire yabo na leta. Ni urubuga rufungura imiryango ya Bottom-up ibiganiro na guverinoma.
Ba rwiyemezamirimo bungukirwa n'inkunga ihoraho n'amahirwe yo kwiga na nyuma yo kurangiza gahunda yemewe. Mugutezimbere umuryango wurungano rutekereza kimwe, twihingamo urusobe rukomeye rutera imbere guterana hamwe nubufatanye burambye.
Abanyeshuri barangije gahunda ya BPN bonyine bashobora kwinjira mu ishyirahamwe rya ba nyiri ubucuruzi BPN
Reba ibikorwa byambere b y Ishyirahamwe ryaba nyiri ubucuruzi :
Ikigo cya Magnet cyashinzwe n’abanyamuryango b’ishyirahamwe ry’abafite ubucuruzi bwa BPN bafite icyerekezo gisobanutse: kuba ikigo cy’indashyikirwa mu gukemura ibibazo by’izungura hamwe n’amahugurwa akenewe kuri ba rwiyemezamirimo muri Afurika.
Dushingiye ku bunararibonye bwabo nk'abayobozi batsinze neza mu bucuruzi, abashinze imishinga bagaragaje icyuho gikomeye mu bushobozi bwo gucunga kibangamira iterambere ry’ubucuruzi n’iterambere mu Rwanda. Kutagira nyirubwite no kwigenga mu bayobozi bo hagati akenshi bitera inzitizi mu gufata ibyemezo, bikabuza ba nyir'ubucuruzi gukoresha igihe cyabo n'imbaraga zabo mu igenamigambi no kwagura. Ibi, bidindiza iterambere rusange ryibikorwa byabo.
Mu gusubiza, Ikigo cya Magnet cyashyizweho kugira ngo gikemure ibyo byuho - haba mu bushobozi no mu bitekerezo - mu guha abayobozi bo hagati ubumenyi, ubumenyi, n’imyitwarire kugira ngo bayobore neza. Intego ni ukurera abayobozi bayobowe nicyerekezo bakora bafite imyumvire ikomeye kandi bafite imbaraga zo gukora ubucuruzi nkaho ari ubwabo.
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"BPN imfasha kumenya intandaro y'ibibazo nahuye nabyo kandi nize kubikemura mu buryo bwo guhanga. Ni intambwe y'ingenzi kugira ngo ubucuruzi bwanjye bugire umwuga."
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"Ni ngombwa kuri njye kuba mu gisekuru gitanga akazi kandi giha abantu akazi, kugira ngo bashobore kwita ku miryango yabo. Nishyura imisoro. Ndi umwe mu bagize ubukungu. Ndumva nishimiye cyane."
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"Nk'umunyamuryango w'ishyirahamwe rya ba nyir'ubucuruzi (BOA), naje gushimira byimazeyo ubwitange dusanganywe bwo kuba indashyikirwa busobanura umuryango wacu. BOA ishimangira akamaro ko gutanga ibicuruzwa na serivisi byujuje ubuziranenge bishobora guhangana ku rwego rw'isi yose. Iyi gahunda yo kugira ubuziranenge ntabwo ireba gusa intsinzi ku giti cye, ahubwo ni ukuzamura inzitizi yo kwihangira imirimo mu Rwanda ndetse no muri Afurika. Guharanira iterambere birenze inyungu zacu bwite, kandi ni iterambere ryacu, kandi ni iterambere riharanira inyungu rusange;
Urubuga
Gufasha ba rwiyemezamirimo gutunganya imari yabo no gushyiraho uburyo bwo gucunga neza imari ningirakamaro mugutegura ishoramari. Hamwe nogutoza hamwe namahugurwa, iyi intervention yongerera ubumenyi imicungire yimari, kuzamura imyumvire yibikenewe byiterambere hamwe nuburyo bwo gutera inkunga. Gushyira mubikorwa sisitemu yimari iha imbaraga ba rwiyemezamirimo gufata ibyemezo byuzuye muburyo bwo gutera inkunga ibikorwa byo kwagura ubucuruzi.
Abitabiriye BPN barashobora kubona inguzanyo ya BPN hamwe ninyungu iboneye. Ba rwiyemezamirimo bishyura inguzanyo mu buryo bujyanye n'imiterere yabo yihariye. Inguzanyo ya BPN irashobora gukoreshwa gusa mu gushora imari mu kwagura nko kugura ibikoresho n'ibikorwa remezo.
Byongeye kandi, BPN ifatanya na banki zimwe na zimwe z’ubucuruzi nini mu gihugu 'Banki ya Kigali' na 'I&M Bank', kugira ngo batange inguzanyo zitari mu rwego rwa BPN ku nyungu z’inyungu.
BPN ihora ifatanya nandi mashyirahamwe yizewe ashobora koroshya uburyo bwamafaranga yo gukura no kwaguka.
Kubona imari ni ibya ba rwiyemezamirimo bagize gahunda zacu.
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"Mbere yo kwinjira muri BPN, ni gake cyane nagenzuye raporo y’imari yanjye. Ubu nshoboye gusesengura uko ubukungu bwifashe mu bucuruzi bwanjye. Nagerageje kuzigama no kongera inyungu mu bucuruzi bwanjye."
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"Binyuze muri BPN, nasobanukiwe ko icy'ingenzi mu kuba rwiyemezamirimo ari ukongerera agaciro umuryango wawe. Wongerera agaciro abakozi bawe, ukongerera agaciro abakiriya bawe kandi ukongerera igihugu muri rusange."
Muri BPN, twizera imbaraga zubufatanye kugirango tugire ingaruka zirambye. Dufatanya n’imiryango mpuzamahanga ndetse n’amahanga, ibigo, nubucuruzi dusangiye inshingano zacu zo guha imbaraga ba rwiyemezamirimo. Binyuze muri ubwo bufatanye, dutanga umutungo wingenzi, ubumenyi bwinzobere, hamwe n'amahirwe yagutse yo gushyigikira iterambere niterambere ryibikorwa bito n'ibiciriritse byo mu Rwanda.
Reba bamwe mubafatanyabikorwa bacu
