Corilac S.A.

Mu Burundi, aho isoko ry'imari ngereranyo rishigikira iterambere ry'abanyagihugu benshi, Corilac S.A. irahagaze neza nk'umufatabugingo w'ingenzi. Iki kigo c'imari ngereranyo, co ku rwego rwa mbere, kirerekana ubushobozi mu gutanga ingurane zikwiye abantu batandukanye, guhera ku barimyi bato bato gushika ku badandaza n'abakozi bahembwa.

Incamake y'Ishirahamwe rya Corilac S.A. n'Amateka yaryo mu Burundi

Corilac Microfinance S.A. yashizweho mu mwaka wa 2010 nk'ikoperative igamije gufasha abarimyi b'umuceri. Kuva ico gihe, yagiye iratera imbere, ihinduka ishirahamwe ritanga ingurane (Société Anonyme) ku wa 24 Myandagaro 2010, ironswa uruhusha rwo gukora nk'ikigo c'imari ngereranyo co ku rwego rwa kabiri n'Ibanki nkuru y'Uburundi (BRB) ku bw'Acte n° D1/908/2010. Mu mwaka wa 2019, uruhusha rwayo rwaravuguruwe rushirwa ku rwego rwa mbere (Acte n° D1/694/2019), ruyemerera kugira ibikorwa vyagutse.

Ubu, Corilac S.A. ifise inyubako zayo mu mazu agera kuri mirongo ine mu gihugu cose, ikorera mu ntara zirenga cumi na zibiri. Ubu buryo bwagutse butuma ishobora gushikira abakiriya benshi mu migi no mu duce tw'imijaruguru. Intumbero yayo nyamukuru ni ugutanga serivisi z'imari n'izitari iz'imari zishikira abantu batunze bike ariko bafise ubushobozi bwo kwiteza imbere, haba ku giti cabo canke mu mashirahamwe.

Ubwoko bw'Ingurane na Serivisi za Corilac S.A.

Corilac S.A. itanga ubwoko butandukanye bw'ingurane buhuye n'ivyiyumviro bitandukanye vy'abakiriya bayo. Ni ngombwa ko abasaba ingurane bose bimenyereza neza amasezerano yose n'inyungu kugira ngo bafate ingingo nziza.

• Ingurane z'Uburimyi (Crédit Agricole): Izi ngurane zigenewe gufasha abarimyi, haba abahinga umuceri, ibigori, canke ibitoke, hamwe n'aborozi.
  • Imbere: Kuva ku 1.000.000 BIF
  • Inyungu: Hagati ya 4% ku kwezi (amafaranga 24.000 BIF ku kwezi kugeza ku mezi 6 ku ngurane ya 1.000.000 BIF)
  • Igihe co kwishura: Kuva ku mezi 6
  • Ibisabwa: Konti yo kubitsa imaze amezi atatu ikora, hamwe n'ibimenyetso vy'uko uriko urakora ubudandaji.
• Ingurane z'Ubudandaji (Crédit Commercial): Zigenewe abantu n'amasahirahamwe mato mato y'ubudandaji.
  • Igihe co kwishura: Kuva ku mezi 3 kugeza ku mezi 12
• Ingurane z'Abakozi (Salary Credit): Zigenewe abakozi bahembwa.
  • Imbere: Gushika ku 10.000.000 BIF
  • Inyungu: Hagati ya 1% kugeza kuri 3% ku kwezi (APR yayo igera kuri 12-36%)
  • Igihe co kwishura: Kuva ku mezi 6 kugeza ku mezi 24
  • Ibihano: Amafaranga y'igihano c'ukugereza agera kuri 2% ku kwezi ku mafaranga atarishurwa.
  • Ibisabwa: Urupapuro rw'umushahara, hamwe n'icyemezo c'umukoresha.
• Ingurane Ngereranyo z'Abantu ku Giti cabo (Personal Microloan): Zigenewe abanyagihugu bafise ivyo bakeneye vito.
  • Imbere: Kuva ku 50.000 BIF gushika ku 500.000 BIF
  • Inyungu: Hagati ya 5% ku kwezi (APR yayo igera kuri 60%)
  • Igihe co kwishura: Kuva ku kwezi 1 kugeza ku mezi 3
  • Amafaranga y'agaciro: 1% y'umubare w'ingurane.
  • Ibisabwa: Nta ngwate ikomeye isabwa, rimwe na rimwe bakaba basaba umukingira.

Ni ngombwa kumenya ko inyungu nyirizina, amafaranga y'agaciro, n'ingwate bishobora gutandukana bitewe n'ubwoko bw'ingurane ndetse n'umukiriya. Abasaba ingurane barashishikarizwa gusaba imigagarago irambuye ku mashami ya Corilac S.A.

Uko Basaba Ingurane, Porogaramu yo kuri Terefone (CORICASH), n'Izingiro ry'Amategeko

Kugira ngo Corilac S.A. irusheho gushikira abakiriya bayo, yashizeho uburyo butandukanye bwo gusaba ingurane. Iki kigo kinakurikiza amategeko y'igihugu neza kugira ngo itunganirwe mu bikorwa vyayo.

Uburyo bwo Gusaba Ingurane n'Ibisabwa

Uburyo bwo gusaba ingurane muri Corilac S.A. bworoshe kandi burashikira abantu benshi:

• Mu Mashami: Abariko basaba ingurane barashobora kwishikira ku mashami arenga 40 ya Corilac mu gihugu cose, aho bazohura n'abakozi babafashe.
• Uburyo bwa USSD & SMS (CORICASH): Mu gukoresha terefone ngendanwa, abakiriya barashobora gukoresha uburyo bwa CORICASH. Iki ni igice c'ingenzi mu kwiyegereza abakiriya mu duce tw'imijaruguru.
• Porogaramu yo kuri Terefone (mu bwihishiro): Corilac iriko irategura porogaramu yo kuri terefone zigezweho (iOS/Android) izofasha abakiriya gusaba ingurane, kubona amabanki yabo, n'ibindi, biciye kuri terefone zabo.

Ibisabwa mu ntango bigizwe n'ibingibi:

• Indangamuntu canke Pasiporo iriko irakora.
• Igitigiri c'aho uba (Urupapuro rw'umuhora w'amazi canke rw'umuhora w'umuyagankuba, canke urupapuro rwo kwemeza aho uba).
• Konti yo kubitsa canke iy'ibikorwa imaze amezi atatu ikora.
• Icyemezo c'akazi canke icyemezo c'uko wikorera.

Porogaramu ya CORICASH n'Uko Abakiriya Bayibona

CORICASH ni urubuga rwa elegitoronike rwa Corilac rugenewe gufasha abakiriya gukoresha serivisi z'imari biciye kuri terefone zabo. Muri iki gihe, CORICASH ikoresha uburyo bwa USSD/SMS butuma abakiriya bashobora kubitsa, gukura amafaranga, kurungikanya amafaranga, no kumenya amafaranga bafise kuri konti yabo.

CORICASH yafatanije n'ibigo binini bitanga serivisi za terefone ngendanwa (Mobile Money Operators) mu Burundi, bituma abakiriya bashobora kubitsa no gukura amafaranga biciye ku ba agence babo. Ivyo bituma Corilac irushiriza gushikira abantu benshi batashobora kugera ku mashami y'ibanki mu duce tw'imijaruguru. Porogaramu ya terefone y'ubuhinga bwa none yitezwe kuzongerako ibindi biranga nko kureba amakuru y'amakonti, kwinjira hakoreshejwe ibimenyetso vy'umubiri, n'uko baronka ingurane zo kubara.

Izingiro ry'Amategeko n'Uruhusha

Corilac S.A. ikorera mu buryo bwemewe n'amategeko y'Uburundi. Ifise uruhusha rw'ikigo c'imari ngereranyo co ku rwego rwa mbere rwatanzwe na BRB (Acte n° D1/694/2019). Iki kigo kigenzurwa na BRB ku bibazo bijanye n'amafaranga, ubushobozi bwo kwishura, hamwe n'amategeko ajanye no kurinda abakiriya.

Corilac inakurikiza amategeko ajanye no kurwanya isukwa ry'amafaranga no gukingira iterabwoba (AML/CFT) akurikira Itegeko n° 001/2019 ryo kurinda abakiriya. Itanga raporo kuri BRB buri gihe kandi igacungwa n'abacungamutungo bo mu gihugu no mpuzamahanga. Abakiriya barashishikarizwa kumenya ko Corilac igendererwa na BRB kugira ngo barebe ko amategeko akurikizwa, kandi kugeza ubu nta bihano bikomeye bigeze biyihagarika.

Ibiyago vy'Abakiriya, Ikibanza mu Isoko, n'Impanuro z'Ingirakamaro

Uko abakiriya babona serivisi za Corilac S.A. ni ikimenyetso c'ukuntu ikigo gishikira intumbero yaco. Mu gihe haba hari abahiganwa mu isoko, Corilac S.A. irahagarara neza kubera ubwihariro bwayo.

Ivyiyumviro vy'Abakiriya n'Ikibanza mu Isoko

Ivyiyumviro vy'abakiriya kuri Corilac S.A. muri rusangi birahimbara. Abakiriya benshi barashima inyungu ngereranyo n'uburyo bworoshe bwo kwishura, hamwe n'abakozi bafise umutima mwiza mu mashami yo mu duce tw'imijaruguru. Ivyashitsweho biraboneka, aho abarimyi b'umuceri mu Muruta batubura umusaruro wabo kubera ingurane z'ibikoresho, n'abadandaza b'abigeme i Kamenge bashimika ubudandaji bwabo biciye ku ngurane z'amafaranga yo gukoresha.

Ariko rero, hari n'abagaragaza ingorane zishobora kuvuka, nko kuba umuhora wa USSD ushobora kugira ingorane rimwe na rimwe, hamwe n'ubusabe bwo kugabanya ingwate isabwa ku ngurane z'abakozi. Corilac S.A. irafise uburyo bwo gutunganya impungenge z'abakiriya, haba mu mashami yayo canke biciye kuri imeri.

Mu isoko ry'imari ngereranyo mu Burundi, Corilac S.A. iri mu bigo bitanu vya mbere bitanga ingurane nyinshi, ikaba ifise igice c'isoko kirenga 10% mu mwaka wa 2024. Abahiganwa bayo bakomeye ni nka MUTEC S.A., Hope Fund Burundi, Turame Community Finance, na ISHAKA. Corilac S.A. iratandukana n'abandi kubera yibanda cane ku burimyi, ifise amashami menshi mu duce tw'imijaruguru, kandi ikagira urubuga rwa CORICASH rw'ubuhinga bwa none.

Impanuro z'Ingirakamaro ku Basaba Ingurane

Ku bantu bategera gusaba ingurane kuri Corilac S.A., hari impanuro z'ingirakamaro zishobora kubafasha gufata ingingo nziza no kwiyungura ku buryo bwiza:

• Menya neza Amasezerano: Imbere yo gusinya amasezerano y'ingurane, soma neza kandi umenye inyungu, amafaranga y'agaciro yose, n'igihe co kwishura. Uramenyesha abakozi ba Corilac ko bakubwira ibyo udasobanukiwe.
• Gira Ingingo Y'Uko Uzishura: Ni ngombwa kugira ingingo y'uko uzishura ingurane yawe, ugasuzuma niba ubushobozi bwawe bwo kwishura buhagije. Kwishura ku gihe bigufasha kugira ishusho nziza y'ukwizigirwa (credit score) kandi bigabanya amafaranga y'igihano.
• Koresha CORICASH Neza: Ku bakiriya bakoresha CORICASH, ni ngombwa kumenya neza uburyo ikora no gukingira ibanga rya PIN yawe. Ubu buryo burashobora kugufasha gukora ibikorwa vy'imari mu buryo bworoshe kandi bwizigirwa.
• Kubika Neza: Kugira konti yo kubitsa igikora neza muri Corilac bishobora kugufasha kuronka ingurane mu buryo bworoshe, kuko berekana ko uri umukiriya yizigirwa.
• Gusaba Ubufasha: Nimba ugize ingorane zo kwishura canke ufise impungenge, ntutinye kwegera abakozi ba Corilac S.A. ku gihe. Barashobora kugufasha gushira hamwe umugambi wo kwishura canke kugutera impanuro.

Corilac S.A. irakomeza kugaragaza ko ari umufatanyabikorwa w'ingenzi mu iterambere ry'Uburundi, ikoresheje uburyo bwayo bwagutse mu duce tw'imijaruguru, urubuga rwayo rwa elegitoronike rw'ubuhinga bwa none, hamwe n'ubwoko butandukanye bw'ingurane. Ubufatanye n'ibigo mpuzamahanga nka IFAD na BNDE, hamwe n'ibigo vya terefone, birashimika ubushobozi bwayo bwo gutanga serivisi nziza. Naho amakuru arambuye y'imari atagaragara ku mugaragaro, ibikorwa vyayo n'ivyiyumviro vy'abakiriya birerekana ko iri ku ruhande rw'imbere mu bigo vy'imari ngereranyo mu Burundi.