Urubuga rwabashinzwe ubucuruzi (BPN) numufatanyabikorwa wawe mugutezimbere no kwagura ibikorwa byawe.
Turatanga:
Turaguha amahame yubucuruzi meza kandi turaguhamagarira gukura kugiti cyawe no mubuhanga mugihe ukora neza uruganda rwawe.
BPN n’umuryango mpuzamahanga udaharanira inyungu ukorera mu Busuwisi ukorera mu bihugu 6 bitandukanye bikwirakwizwa ku migabane itatu. Intego nyamukuru ya BPN nukugabanya ubushomeri mugutezimbere kwihangira imirimo. Icyerekezo cya BPN rero ni uguhanga imirimo myinshi irambye kandi yiyubashye ishoboka, bityo ikagira ingaruka kumajyambere arambye yurwego rwubucuruzi, amaherezo iterambere ryigihugu muri rusange. Ibikorwa bya BPN byibanda cyane cyane ku guteza imbere kwihangira imirimo bishingiye ku kwihangira imirimo, gutsimbataza indangagaciro nk'inshingano, ubwitange, ubunyangamugayo, kwiringirwa, umwete, gukorera mu mucyo, ubunyangamugayo, no gukoresha neza umutungo muke. Mu myaka 23 ishize, BPN yanditse inkuru nziza. Ba rwiyemezamirimo nubukungu bwose bungukiwe no kuba BPN ihari.
Kugeza ubu BPN ikorera muri Kirigizisitani, Nikaragwa, u Rwanda, Uganda, Mongoliya na Jeworujiya hamwe na gahunda yo kwihangira imirimo.
Muri 2008 no muri 2010, intumwa ebyiri za BPN zasuye u Rwanda kandi zunguka ishusho nziza yerekana aho u Rwanda rugana. BPN yahise ifata icyemezo cyo gutanga umusanzu mubyerekezo byu Rwanda.
BPN yizera cyane ejo hazaza h’u Rwanda kandi itangiza gahunda yayo yo gutera inkunga imishinga mito n'iciriritse mu Rwanda mu Kwakira 2011. Intego ya gahunda ya BPN ni uguhitamo buri mwaka no gutera inkunga imishinga itanga icyizere, bityo bigatuma habaho imirimo mishya.
Nk’uko byatangajwe na Minisitiri w’ubucuruzi n’inganda mu Rwanda mu 2016, BPN izwi nka gahunda yo guteza imbere ubucuruzi (BDS) ifite ingaruka zigaragara mu Rwanda.
Muri 2020, iki kirego cyagarutsweho na Minisitiri w’ubucuruzi n’inganda.
Ati: " Iyo numvise ubuhamya bwa ba rwiyemezamirimo batandukanye basangiye ubunararibonye mbere na nyuma yo kunyura mu nkunga ya BPN dushobora kubona ko mu by'ukuri tudashobora gufata iyi nkunga y'ubucuruzi na serivisi zitangwa na BPN nk'ukuri. Iki ni ikintu dukeneye rwose nk'igihugu. "
Guhitamo ba rwiyemezamirimo nibyo bituma habaho itandukaniro nyaryo muri gahunda ya BPN. Imbaraga nyinshi zishyirwa mubikorwa byo gutoranya, nkuko twemera ko abantu bose bakora Ubucuruzi badafite ubushobozi, icyifuzo nicyerekezo cyo kuzamura ubucuruzi burambye.
Ikigamijwe ni ukongera agaciro hifashishijwe umutungo waho, kandi abaturage biyemeje kugira uruhare muri iryo terambere biragaragara mu Rwanda. Urubyiruko rwiyemeje gushaka akazi kandi bafite ubushake bwo kwihangira imirimo. Umuco nyawo wubucuruzi nuburyo bwo gukora ibikorwa byo kwihangira imirimo akenshi ntibibura bigatuma ihererekanyabubasha ryubumenyi bwubucuruzi bukenewe cyane.
Nkumunyarwandakazi kavukire wize kandi akorera i Burayi mu myaka 25 ishize, Alice Nkulikiyinka yashyigikiye cyane ko BPN yashingwa mu Rwanda. Amaze imyaka 15 akora mu masosiyete azwi yo mu Busuwisi azwi cyane mu Burayi, muri Amerika no muri Aziya, yahisemo gusubira mu gihugu cye, u Rwanda, hamwe n'umuryango we. Muri Mata 2011, Alice Nkulikiyinka yahawe akazi nk'umuyobozi wa BPN mu gihugu kandi kuva kuri uyu mwanya kuva icyo gihe.
BPN ifasha ibigo n'abakozi bayo guteza imbere no gushimangira ibicuruzwa na serivisi no gufata umwanya urambye ku isoko.
Icyitegererezo cya BPN cyubatswe ku nkingi 3:
Dukora neza, twitonze kandi mu mucyo. Ibi bigize ishingiro ryubufatanye bwizewe kandi bunoze.
BPN ishyigikira ba rwiyemezamirimo batitaye ku muco wabo n'idini ryabo. Ntitubogamye muri politiki no mu idini.
Turumva, kubaza, gutera imbaraga, kwigisha no gutekereza hamwe nawe. Nuburyo dufasha ba rwiyemezamirimo gutera imbere.
Dukorana ubushishozi, twubaka umubano kandi duharanira gutsinda hamwe.
Turashishikariza abantu kuva mukarere kabo keza, kureba ibibazo muburyo butandukanye no kugerageza ibintu bishya. Nuburyo twiga kandi tugahora tunonosora.
Icyerekezo cyacu ni ugutanga umusanzu mu bucuruzi bushingiye ku gaciro no guteza imbere kwihangira imirimo. Ibi bigirira akamaro ba rwiyemezamirimo, abakozi, imiryango, societe, nibihugu byose.
Turagaragaza ubushobozi bwibikorwa bito n'ibiciriritse bihari mu Rwanda tubaha amahame yubucuruzi tunatanga ubufasha bwo kubafasha kuyobora umwuga, gucunga no guteza imbere sosiyete yabo ku buryo burambye.
Ihuriro ry’abakozi bashinzwe ubucuruzi (BPN) rishyigikira icyerekezo kirekire no kwihangira imirimo mu bihugu biri mu nzira y'amajyambere, bityo bigatuma ba rwiyemezamirimo, abafatanyabikorwa mu bucuruzi, abakozi, imiryango yabo, ndetse, ku buryo bugaragara, igihugu cyose cyungukira kuri iryo terambere.
BPN ishyigikiye iterambere ry’ubucuruzi buciriritse n'ibiciriritse mu bihugu bikiri mu nzira y'amajyambere bitanga ubumenyi mu bucuruzi, gutoza n'inguzanyo mu buryo buboneye hagamijwe guhanga imirimo myinshi irambye ishoboka. Turashaka guhuza ubushobozi bw'abakozi bafite ubuhanga n'ubucuruzi buciriritse kandi dushyigikire iterambere ryabo kandi tubikora tubaha ubumenyi bakeneye kugira ngo bateze imbere kandi bakore ubucuruzi bwabo bwite bityo bihangire imirimo mu gihugu cyabo biha ba rwiyemezamirimo n'imiryango yabo amahirwe y'ejo hazaza heza ndetse n'inyungu zirambye ku gihugu cyose.
Umusanzu wacu ugomba kuba ufite ireme kandi ufite akamaro, intego yo kugereranya
Ati: " Uhe umugabo ifi uramugaburira umunsi umwe, umwigishe kuroba kandi ugaburira umuryango we ubuzima bwe bwose. Mumushyigikire kuko yubaka uburobyi bwe kandi nawe ugaburira abakozi be n'imiryango yabo. "
BPN iharanira iterambere ryujuje ubuziranenge ndetse n’ubwinshi bw’amafaranga afite ingaruka nke z’amafaranga mu bihugu biri mu nzira y'amajyambere. Intego yacu y'igihe kirekire ni uko ibihugu dukorana bigenda birushaho kwigenga no kubaha pisine yimari na banki yumutungo amaherezo bashobora gucunga bonyine.
Kuva gahunda yatangira
Ndi nde?
Nigute nshobora gushishikariza abandi?
Nabwirwa n'iki ko abakozi bakwiriye kubigiramo uruhare?
Abazi ubwabo n'abakozi babo bashoboye gusobanura imyitwarire yabo cyangwa abakozi babo kandi bagashyiraho ibyifuzo byabo kuri bo no kubandi.
Kubwibyo, umwirondoro wumuntu nigikoresho cyingenzi, haba mubuyobozi bwabakozi nubusabane bwabakiriya, ndetse no mubucuti bwihariye ninshuti, abafatanyabikorwa, abo mumuryango, nibindi. Tuzakoresha umwirondoro wumuntu aho tugomba guhura nabantu.
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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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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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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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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"Amahugurwa ya BPN yamfashije gusobanukirwa isi yose ku bucuruzi bwanjye, kandi byanyigishije uko nafata ubucuruzi bwanjye mu maboko yanjye."
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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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"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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"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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"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
Ndi nde?
Nigute nshobora gushishikariza abandi?
Nabwirwa n'iki ko abakozi bakwiriye kubigiramo uruhare?
Abazi ubwabo n'abakozi babo bashoboye gusobanura imyitwarire yabo cyangwa abakozi babo kandi bagashyiraho ibyifuzo byabo kuri bo no kubandi.
Kubwibyo, umwirondoro wumuntu nigikoresho cyingenzi, haba mubuyobozi bwabakozi nubusabane bwabakiriya, ndetse no mubucuti bwihariye ninshuti, abafatanyabikorwa, abo mumuryango, nibindi. Tuzakoresha umwirondoro wumuntu aho tugomba guhura nabantu.
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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"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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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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"Amahugurwa ya BPN yamfashije gusobanukirwa isi yose ku bucuruzi bwanjye, kandi byanyigishije uko nafata ubucuruzi bwanjye mu maboko yanjye."
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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!"
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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.”
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
