“Study Now, Pay Later” Ishobora Guhindura Ubuzima bw’Urubyiruko Rutabona Amafaranga yo Kwiga Kaminuza

Mu gihe mu Rwanda no mu bindi bihugu byinshi bya Afurika, ikibazo cy’amikoro macye gikomeje kubera imbogamizi urubyiruko rwinshi rufite inzozi zo gukomeza amashuri makuru. Hari abanyeshuri barangiza amashuri yisumbuye bafite amanota meza, bafite ubushake bwo gukomeza kwiga, ariko bakabura ubushobozi bwo kubona amafaranga ya kaminuza.

Ni ikibazo kimaze imyaka kigarukwaho cyane, aho bamwe mu rubyiruko bahitamo guhagarika amashuri, gukora imirimo iciriritse cyangwa gutegereza imyaka myinshi ngo babanze bashake ubushobozi bwo kongera kwiga.

Mu rwego rwo gushaka ibisubizo kuri iki kibazo, Chancen International Rwanda ku bufatanye na Institut Catholique de Kabgayi (ICK), batangije ubukangurambaga bugamije gusobanurira urubyiruko uburyo rwafashwa gukomeza amashuri makuru binyuze muri gahunda ya “Study Now, Pay Later”. Iyi gahunda ishingiye ku buryo bwo kwiga wishyurirwa amafaranga y’ishuri, hanyuma ukazishyura nyuma warangije amasomo ndetse warabonye akazi. Ni uburyo bushya benshi bavuga ko bushobora guhindura ubuzima bw’urubyiruko ruturuka mu miryango itishoboye.

Urubyiruko Rwinshi Rurangiza Amashuri Rutaragera muri Kaminuza

Nubwo uburezi bw’u Rwanda bukomeje gutera imbere, haracyari urubyiruko rwinshi rudakomeza amashuri makuru kubera ubushobozi buke bw’amikoro.

Bamwe mu rubyiruko bavuga ko ikibazo atari ubushake bwo kwiga, ahubwo ari amafaranga y’ishuri, icumbi, ibikoresho ndetse n’ibindi bikenerwa kugira ngo umuntu abe yakwiga neza.

Mu kiganiro cyabereye muri ICK kuwa 20 Gicuransi 2026, kigamije kumenyesha urubyiruko amahirwe ahari yo kwiga wishyurirwa ukazishyura nyuma, babifashijwemo n’Umuryango Chancen International Rwanda (CIR), benshi mu bitabiriye bagaragaje ko iyi gahunda ije nk’igisubizo ku rubyiruko rwari rwaratangiye gutakaza icyizere cyo gukomeza amashuri.

Mutuyimana Divine, Umwe mu rubyiruko rwari rwitabiriye yagize ati:

“Iyo urangije amashuri yisumbuye ukabura amafaranga ya kaminuza, hari igihe wumva inzozi zawe zirangiriye aho. Kuba hari gahunda ituma umuntu yiga akishyura nyuma ni ikintu gitanga icyizere.”

Gahunda Ishingiye ku Kwizera Ubushobozi bw’Umunyeshuri

Abahagarariye Chancen International Rwanda basobanuye ko iyi gahunda yubakiye ku masezerano azwi nka “Income Share Agreement” (ISA), aho umunyeshuri afashwa kwiga, akazatangira kwishyura amaze kubona akazi kamwinjiriza amafaranga.

Basobanuye ko intego atari uguha umuntu umwenda usanzwe, ahubwo ari ugushora imari mu burezi bw’urubyiruko kugira ngo rubashe kwigirira icyizere no kwiteza imbere.

Bagaragaje ko iyo umuntu abonye amahirwe yo kwiga aba anongerewe amahirwe yo kubona akazi keza, kwihangira umurimo no kuzamura imibereho ye ndetse n’iy’umuryango we.

Abanyeshuri Basabwa Gukoresha Neza Aya Mahirwe.

Nubwo iyi gahunda yakiriwe neza n’urubyiruko, bamwe mu bayobozi bagaragaje ko abanyeshuri bazahabwa aya mahirwe bakwiye kuyakoresha neza, bakiga bashyizeho umuhate kugira ngo bazabashe kurangiza amasomo yabo no kugera ku ntego bafite.

Banashimangiye ko gahunda nk’iyi ishobora kugira uruhare mu kugabanya umubare w’urubyiruko ruta amashuri kubera ubushobozi buke.

Uruhare rw’Ibigo by’Amashuri n’Abafatanyabikorwa

Iki gikorwa kandi cyagaragaje uruhare rw’ibigo by’amashuri makuru n’abafatanyabikorwa mu gushakira ibisubizo ibibazo bikibangamiye urubyiruko.

Institut Catholique de Kabgayi yavuze ko gukomeza gufasha urubyiruko kubona amahirwe yo kwiga biri mu murongo wo guteza imbere uburezi bufite ireme kandi bugera kuri benshi.

Ku ruhande rwa Chancen International Rwanda, bavuga ko bazakomeza kwegera urubyiruko hirya no hino mu gihugu kugira ngo rurusheho gusobanukirwa aya mahirwe ndetse n’uburyo rwayabyaza umusaruro.

Ese Iyi Gahunda Ishobora Guhindura Ejo Hazaza h’Urubyiruko?

Bamwe mu basesenguzi bavuga ko gahunda nka “Study Now, Pay Later” zishobora kugira uruhare runini mu kongera umubare w’urubyiruko rugera muri kaminuza, cyane cyane uruturuka mu miryango ifite ubushobozi buke.

Iyo urubyiruko rubonye amahirwe yo kwiga, rubona n’amahirwe yo kubona akazi, kwihangira imirimo no kugira uruhare mu iterambere ry’igihugu.

Ku rubyiruko rwitabiriye iki gikorwa cyabereye muri ICK, icyizere ni cyose ko amahirwe nk’aya ashobora kubafasha kugera ku nzozi zabo no kubaka ejo hazaza heza.

Umwanditsi: CYIZA Theogene

Indi Nkuru Wasoma: 👇

Chancen International mu Rwanda: Uburyo bushya bwo guteza imbere uburezi binyuze muri Income Share Agreements (ISA)

Urubyiruko rwa Diyosezi za Kabgayi na Butare rwasobanuriwe gahunda ya “Study Now, Pay Later”