Plan to retire? First, ask yourself these big questions.
Bye Musabyimana Theophile
IMAGE: Mark Allen Miller
As
a self-employed registered financial consultant, Mar Sue Durrbeck is in
a business from which "you don't have to retire--ever," she says. But,
now in her 70s, Durrbeck is ready to spend more time visiting her
children, far from the nasty Chicago-area winters. While she has ample
experience helping others plan their retirement,
when she started contemplating her own, she faced some tough
questions--ones that everyone should face sooner rather than later. The
most fundamental one involves how much money you'll need.
It's a crucial yet often neglected question; more than a quarter of
small-business owners don't think they have enough savings to fund a
comfortable retirement. A good starter calculation: Figure out what your
annual expenses will be once you retire, minus Social Security and
pensions, and stash away 25 times that amount.
Also important are the more philosophical questions, Durrbeck says--for example, "What will I do that is meaningful?" Answering these questions now is the best first step to getting ready for your long-term financial future.
1. What's your ideal vision?
How do you see spending your time so that your mind, body, and spirit
are engaged? Since you may be spending 30 years or more in retirement,
write down what you'd like to do. Maybe it involves volunteering and
part-time work; maybe it involves travel or moving to a second home or
another activity that will require a significant cash reserve. Whatever
your vision, put a price tag on it now, so that you can afford to do
what you want, in the style you would like.
2. Do you want to take a plunge--or gradually wade in?
Look around at others who have retired and ask yourself whom you
envy. Maybe you're ready to stop working entirely--though going cold
turkey doesn't work for a lot of people, according to Mitch Anthony, a
coach to financial advisers (including Durrbeck) and the author of The New Retirementality: Planning Your Life and Living Your Dreams at Any Age You Want.
Many new retirees get bored sitting around the house--which can be a
recipe for marital annoyance, especially if you or your spouse is used
to being alone during the day.
Going part-time is a good way to make a gradual transition. Like many
small-business owners, Durrbeck isn't retiring all at once, but she is
starting to shift more operations to her business's buyer, another
experienced adviser who "shares my values," she says.
3. What's your backup plan?
Like many retirees, Durrbeck is concerned about what will happen if
she gets sick or disabled. She and her husband both carry long-term-care
insurance, for expenses including nursing-home or in-home care. If you
retire before 65 (the usual age of Medicare eligibility), it gets
complicated: Will you need to buy medical coverage, or to "self-insure" using your savings? If so, you'll probably need at least $200,000 to cover health care expenses.
4. What do you want to be your legacy?
An estate-planning lawyer can always help you with leaving money to
heirs or favorite causes. But first you need to figure out the greater,
less financial contribution you want to make to your community.
Durrbeck, for example, wanted to leave a business that treats its
clients with integrity. She spent her career building her client
relationships, and so looked long and hard for a buyer who would maintain the reputation of her business.
To kick off your retirement planning, you can figure out this legacy
right now. As Durrbeck says, "Our memories will have very little to do
with the money we made--but rather with the kind of life we have
lived."
So
you never thought selling tens of thousands of everyday, low-margin
products online would make a great business and a great story? Neither
did the guys behind Pharmapacks. Until they did it.
Bye Musabyimana Theophile
Thanks to Amazon and other
platforms, Pharmapacks is building an empire by selling more than 25,000
quotidian products - including those seen here - online.
IMAGE: Andrew B. Myers
COMPANY PROFILE
Company:Pharmapacks 2015 Inc. 5000 Rank: 115 Headquarters: Queens, NY Year Founded: 2010 2014 Revenue: $31.5 million 3-Year Growth: 3,035%
To show off the secret behind Pharmapacks, his $70 million retail business, Andrew Vagenas picked up an EOS lip balm and tossed it to his buddy Brad Tramunti.
"Watch," Vagenas said. "He's like a special kid."
There is nothing about Tramunti that makes you think: lip-balm guy.
He's 33 years old and hefty, with a two-day scruff and a faded T-shirt
wrapped around his torso. But he held the lip balm in his paw carefully,
inspecting its lollipop-purple-swirl case like a savant.
"This is a new flavor," he said. "Just came out. Blackberry nectar."
He took it to his desk and brought up its Amazon.com product page. He
checked its weight--0.25 ounce. He pursed his lips and calculated the
shipping cost in his head: "$1.89," he muttered. He looked at its Amazon
sales rank: 54,000. He brought up a page with suppliers' prices.
"We get this wholesale for $2.23," he said, smiling. "That, plus
shipping, plus our margin? We'll be in the number-one spot." That meant
when a shopper clicked Add to Cart on Amazon, Pharmapacks would get the
sale.
Vagenas grinned. Then he tossed Tramunti a box of Vitamin Friends Iron Diet Supplement.
"He just gave me a crazy product right now," Tramunti said. He
pointed to his screen: The vitamins already had 201 Amazon reviews. "If
we can get this for under 10 bucks, it's a home run."
"We're getting it for 11 bucks," Vagenas said.
"OK, it's a double," he shot back. "But we're going to be number one
on this product--and it's ranked 1,451 in all of personal care, number
two in vitamins. This is crazy! This is bonkers!" Whatever you want to
call it, within hours, Pharmapacks would be the number-one seller on
Amazon for both of those products--a ranking it would hold for weeks.
"He's my special boy," beamed Vagenas.
The next time you buy some humdrum product on Amazon, pause for a
moment and check the Other Sellers listed on the right side of the page.
That lip balm? Thirteen vendors offer it. Those vitamins? Twenty. As
you click and shop, a battle rages in that little box, fought every day
by entrepreneurs like Vagenas and Tramunti on practically every one of
Amazon's 410 million product pages.
This is the Amazon Marketplace,
where anybody can sell just about anything right alongside Amazon's own
wares. Unlike eBay, where each vendor maintains a separate listings
page, Amazon tidily groups its Marketplace sellers by item, hiding away
the inferior offers, to showcase the best deals up front. (In seller
parlance, landing the number-one spot is called "getting the buy box.")
What looks so clean on your screen obscures the messy and massive jungle
of the Marketplace: There are now more than two million sellers on
Amazon. While the Seattle-based giant still sells the most popular items
on the site itself, Marketplace sellers now ship nearly half of the
products--about two billion items each year, all told--and those sales
are growing twice as fast as Amazon's, according to the consultancy ChannelAdvisor.
The Marketplace started in 2000 selling used books. In 2016, it's a
retail phenomenon as significant as any in the past 50 years--together
these sellers ring up what ChannelAdvisor estimates to be $132 billion
in sales each year. That's more than Walmart sold in 1997. Yet we know
so little about who they are.
On 2015's Inc. 500
list of America's fastest-growing private companies, something stood
out about the retailers. Nearly all of them, companies that were growing
by 1,000 percent or more, had websites that looked a decade out of date.
Like, a homepage. Maybe a few links to products. Why? That's because,
these days, such retailers don't use their own sites much. They build
their businesses on platforms--eBay, Walmart.com, Overstock, and
especially Amazon.
Vagenas's company, Pharmapacks, notched $31.5 million in revenue in
2014, which made its three-year growth rate 3,035 percent, good enough
to earn it the 115th spot
on the Inc. 500. By the end of 2015, its annual revenue was $70
million. Vagenas proudly told me the company was on track to do $140
million to $160 million in revenue in 2016, the vast majority coming
from those platforms (and around 40 percent from Amazon). While other
platform retailers have identified a niche opportunity and
capitalized--search Amazon for horse brushes or pickle ball paddles and
you can buy from two other Inc. 500 entrepreneurs--Pharmapacks sells
everyday stuff found in drugstores: This upstart has succeeded by
selling what most every retailer in the world, Amazon included, already
offers. How?
"Sex Toys, I'm Telling You!"
Pharmapacks operates out of a low-slung warehouse in the College
Point section of Queens, New York. From there, you can see the new World
Trade Center, but otherwise the glitz of Manhattan might as well be a
thousand miles away. Planes take off and land practically overhead.
(LaGuardia Airport is across a nearby inlet.) The closest neighbor is a
vast parking lot jammed with Time Warner Cable vans.
From top:
COO Adam Berkowitz. The in-house sourcing expert knows how to get suppliers to go lower.
CMO
Brad Tramunti. His fascination with figuring out precisely what to
charge for products led to the insights that drive the Pharmapacks
system the guys call the Master Brain.
CRO James Mastronardi. He joined his old friends Vagenas and Tramunti shortly after they took their business online.
Pharmapacks' warehouse has a different name on the sign out front.
Tramunti got the door, and Vagenas was waiting behind his desk, a wary
look on his face. He's 34 and trim, and a slim gold chain was tucked
beneath his plaid shirt.
"I Googled your picture to make sure you were actually from Inc.,"
he told me. Nothing personal, he said--but competitors always try to
steal their secrets. One even sent a guy undercover to apply for a
packing job, he added, staring at me for an extra beat. Then he cracked a
smile.
Vagenas introduced me to his partners. Tramunti is an old buddy who
grew up a few blocks from his house. Jimmy Mastronardi knows Tramunti
and Vagenas from the neighborhood too. He once had a job in finance, so
he's the CFO. Two other guys, Jonathan Webb and his business partner,
Adam Berkowitz, joined recently. They are older, in their 40s. The
younger guys busted their chops about their age. But really, everybody
was busting chops about everything. Constantly.
"We're adding 4,000 makeup products, fragrances--" said Vagenas.
"And sex toys, I'm telling you!" Webb chimed in.
"Not under the Pharmapacks brand!"
"Call it Splash!"
"This guy--no shame," Vagenas sighed, a thought bubble reading, See what I gotta deal with?
But the company was considering it. "I always joke our bread and butter
is anal cream," Vagenas said. "Our top sellers are things nobody wants
to buy at a store. But from there, people buy everything else."
All the while, more than a hundred workers, mostly women, stood at
tables in the warehouse packing products into bubble-pack containers
that looked like tiny space pods--Colgate toothpaste, Pantene shampoo. A
man sat, an air gun in hand, inflating the containers nonstop. As soon
as one crackled into shape, he grabbed the next, 15 times a minute. Psst-thwap. Psst-thwap.
Originally, Vagenas and Tramunti and another friend ran a pharmacy in
the South Bronx. When they started selling health and beauty products
online in 2011, they thought it could make a nifty side business. They
rented a little warehouse on a leafy street six blocks from Vagenas's
childhood home in Whitestone, Queens, and started spending half the day
there. Mastronardi soon joined them to help run the numbers. As they
hammered out kinks, they discovered that selling on a platform like
Amazon was totally different from running their drugstore or even a
standalone website. It was also a much bigger opportunity.
You could fill a book with all the differences, of course, but the
big one was: They could sell whatever they wanted, at whatever price,
for whatever period of time. A marketplace vendor
doesn't worry about stocking a full line of shampoos, or whether
certain soaps are always on sale. If they want to sell lotion one week
and hairspray the next, they can do that.
Early on, the guys decided that it would be easiest to offer whatever
their suppliers had in stock. They built each online listing, and had a
developer code a script that scraped the suppliers' databases to enter
each product's information. When a customer ordered something, they in
turn would order it from the supplier, pick it up, and then pack and
ship it. That's still the model, more or less, though nowadays they
order in bulk using sales projections and need three trucks and a van to
pick everything up. Inventory often stays in their warehouse only for a
few hours before going right back out the door. The business is less
like traditional merchandising than it is like a commodities trader from
a bygone era, buying and selling well-known goods and turning a profit
on each transaction.
Not that any of their family and friends knew the difference, at
first. Their moms' friends would call asking the Pharmapacks guys to
pick stuff up for them. "I'm like, Listen! There's a website!" said Vagenas.
From top:
CEO Andrew Vagenas, who quickly grasped that selling toiletries online was a much bigger opportunity than running a pharmacy.
President Jonathan Webb. He brought business and operations smarts - and a crucial family connection - to Pharmapacks.
In the platform business, they learned, price is everything.
Set a price too high, and Amazon buries it. Setting it too low is
worse, earning the buy box and leading to thousands of orders flooding
in--and a loss of money on every sale.
The conundrum fascinated Tramunti. He'd struggled with dyslexia in
school, and like many with it, he'd developed an ability to memorize
huge chunks of facts and figures to compensate--as he puts it, "we find
workarounds." He began studying all their products, memorizing
competitors' prices, watching as new items climbed the rankings. He
toyed with different pricing strategies, figuring out formulas for how
much they could charge for certain products and still get the sale. They
started getting the buy box--and making money--more often.
Vagenas, a problem solver at heart, loved turning Tramunti's tricks
into rules. He and the team had a developer code the tactics into
algorithms, and baked them right into their proprietary software. Now
the listings had optimal prices. Sales took off. They called the
software the Master Brain.
The Pharmapacks guys love the Master Brain. They protect it the way a
star pit master guards the recipe for his barbecue's rub. Or the way
Pablo Escobar guarded the source of his ultrapure cocaine. Speaking of
which: "You ever seen the movie Blow?" Tramunti asked me one
day. He showed me the YouTube clip of the scene in which Johnny Depp,
who plays the kingpin drug smuggler in the film, has his product tested
by a black-market chemist--who goes gaga over its off-the-charts purity.
"That's us. We've got the Colombian cocaine of algorithms," a proud Tramunti declared.
And as it did with Depp's character in Blow, life got pretty
crazy once the Master Brain's pricing kicked in. Orders poured in.
Sales increased sixfold in a year. Neighbors began complaining about the
never-ending stream of UPS and postal trucks. They were also unhappy
about the warehouse packers who, in the absence of a decent-size company
cafeteria or nearby restaurants, plopped down on their lawns each day
to eat lunch.
Other marketplace sellers have algorithms. There are now companies that design pricing software for platform vendors: ChannelAdvisor, WisePricer.
But that's all chump stuff when you have a Master Brain. "We can make
listings in seconds," Tramunti boasted. "Everybody else has to do all
this hoopala hoppala."
Because Even Mom Complains
Life as a Marketplace seller isn't all algorithms and cash. Vendors also need high customer-service ratings
to get the buy box. Keeping them that way is a grind, especially when
you sell almost 25,000 different products and ship 570,000 orders a
month. People get emotional about personal-care products. Including
Vagenas's mother, who called last summer to complain about her
Coppertone suntan lotion. In July, it came with 10 percent extra. In
August, it didn't.
"She was like, You basically robbed me," Vagenas said. "I'm like, Mom! It was a promo!"
As Pharmapacks' sales mushroomed, so did the complaints. Part of this
was growing pains--it took a while to figure out how to fill so many
orders fast without screwing up. But complainers are a naturally
occurring species in e-commerce, and Pharmapacks now employs 16
customer-service reps, who field almost 200 concerns over the phone and
by email every day. They write back to all customer inquiries within 24
hours--one of the key metrics Amazon tracks in its customer-service
ratings. Two employees use a software program called Trustpilot
to scroll through every 1-, 2-, and 3-star review the company receives
and give each of them special attention. If a customer remains
unsatisfied and won't change the low mark, the reps appeal to Amazon's Seller Support group--the
judge, jury, and executioner in all customer-seller disputes--with
detailed objections. Thanks to such micro-advocacy, Pharmapacks had more
than 3,300 low ratings removed in 2015 alone. To put that into
perspective, Pharmapacks products have been rated more than 280,000
times--and its Amazon rating is 4.9 stars.
"Our top sellers are things no one wants to buy at a store." Then those shoppers "buy everything else."
But Vagenas's desk is constantly cluttered with products that have
caused problems. Each day, the Seller Support group takes down one or
more Pharmapacks listings without warning because of customer
complaints. One day it was a bottle of Dove Advanced Hair Series Quench
Absolute Serum that was listed for fine hair but turned out to be for
coarse hair. (The manufacturer changed the UPC code, Vagenas said.)
Another day it was Cold-Eeze Cold Remedy lozenges. In each case,
customer-service reps send Amazon copies of supplier invoices, product
photos, and other documentation to get the item relisted, and Vagenas
tries to identify the root of the problem and develop a protocol his
staff can use to rapidly identify and solve similar problems in the
future, so more products won't end up on his desk. But every time I
visited, some new toiletry had taken the place of the others on his
desk. Uneasy lies the head that wears the crown of 4.9 stars.
How the Goods Are Gotten
Ever heard the phrase "It fell off the back of a truck"?
No, not like that. Pharmapacks buys from the same established,
law-abiding distributors that sell to national chains like Walmart,
Costco, and CVS. But ask these distributors where they get the products,
and some will give an answer as gruff and dismissive as the vehicular
estrangement explanation above.
Pharmapacks has agreements with 16 suppliers. Some deal directly with
manufacturers. Others get their goods in more circuitous ways. These
tight-lipped suppliers are known by their critics as diverters. (They
prefer "secondary market distributors.") They acquire deeply discounted
goods through gray-market methods, such as buying deodorant from a
company that ordered too much. But diverters don't discuss where they
get their goods. Their lawyers will cheerfully tell you they don't have
to.
When people discuss the rise of online marketplaces, they tend to
focus on the tech companies that have made it possible for shoppers to
find and purchase things in a matter of clicks. But that explains only
the demand side of the equation. It doesn't explain the supply side--why
all this product is available so cheaply and freely in the first place.
In 2014, a guy from Vagenas's regular pickup basketball game asked to
introduce him to a guy his girlfriend had met, Jonathan Webb. He ran a
similar business, called StocknGo. Vagenas grudgingly agreed. "I'm
thinking, I don't know this fucking guy from a hole in the wall," he
said. "I didn't want to bring him to the warehouse." He brought Webb to a
tiny offsite office where Mastronardi ran the numbers.
Webb, like Vagenas, has little patience for nonsense. "He was like,
'What kind of shit is this?'" Vagenas remembered. "You guys doing $25
million out of this office?"
Vagenas showed him a UPS statement so he could see exactly what kind
it was: The shipper was processing 21,000 Pharmapacks orders a week.
Webb and Vagenas connected right away. "Definitely don't record
this," said Webb directly into my tape recorder. "But it was like love
at first sight."
"Weird as that sounds, he's exactly right," Vagenas said. Webb had
barely driven away when Vagenas called his cell phone to propose they
work together.
Webb brought business and branding experience, since he'd previously
run an ad agency. Webb also had a pertinent family connection. His
wife's uncle was the CEO of a distributor based in Ronkonkoma, New York,
called Quality King, which is widely regarded as the largest and most
successful diverter in the world.
As the tech companies have disrupted retail online, Quality King has
spent the past few decades disrupting retail behind the scenes--on
trucks, on freighter ships, and through good old-fashioned American
litigation. Take, for instance, the 1998 Supreme Court case involving
Quality King and a fancy shampoo maker named L'Anza Research. To
preserve its cachet, L'Anza made its U.S. distributors sell only to
exclusive boutiques and salons at high prices. But L'Anza sold its
shampoo more cheaply in Europe, where it was less known. So several tons
of L'Anza shampoo intended for distribution in Malta ultimately ended
up on a ship headed for Ronkonkoma, for Quality King to sell wherever.
(You could say it fell off the back of a boat.) L'Anza sued, claiming a
Copyright Act violation, but the Supreme Court ruled unanimously for
Quality King: A company buying products on the open market can resell
them as it sees fit.
Quality King has been named in more than 50 lawsuits because of its
business practices, four times under the RICO Act, the racketeering
statute designed to bring down organized crime bosses. Time and again,
Quality King walks away, no matter the circumstances. There was the
freighter full of Paul Mitchell products that went all the way to China,
where much was resold and loaded onto another ship heading to the
Netherlands before ending up in Ronkonkoma. There was the con woman who
promised to distribute various product samples on college campuses and
elsewhere, but sold much of it to the University of Quality King
instead. She went to prison; Quality King was untouched.
"Other tech companies--I'm not saying they don't work hard," sighs one founder, "but do you see what we have to deal with?"
And courts continue to rule that, so long as the goods are authentic
and the buyers come by them honestly, they can resell them as they
please. One frustrated lawyer for brand owners, writing in a legal
handbook, referred to the company as the "ever-innocent Quality King."
Precedents like these mean that if marketplace sellers find a product
for less, they can buy it, list it on Amazon, and get the buy box until
they sell out, and there's not much brands can do about it.
In June 2014, Webb and Vagenas teamed up, with Webb and Berkowitz
taking an equity position in the company. Quality King is now a
supplier, although Vagenas and Webb stress it is only one of
Pharmapacks' four major distributors and not its largest--it buys more
from suppliers Kinray and H.D. Smith, for example.
But it's easy to see the influence. "We constantly get bombarded by
manufacturers saying they want us to take their products off our
websites," said Webb. "Before I met these guys, they stopped selling
products. They didn't know any better. Now we have a team of attorneys."
The same way the Pharmapacks guys won't divulge the inner workings of
their algorithm, they won't tell manufacturers who their suppliers are,
to keep them from snooping up the chain. "We don't have to tell brands
anything, and we don't want to," said Vagenas. "And, hypothetically, say
a distributor cuts us off from a particular item. We'll just go find it
somewhere else," said Webb. "You know who it works out for?" asked
Vagenas. "The consumer. The consumer's no longer getting gouged."
"It's Like Blood Diamond!"
With all the pieces in place, Pharmapacks' growth continues to
skyrocket. Vagenas just signed a lease on a new, 142,000-square-foot
headquarters. Late last year, the company installed robotics and
conveyor belts to help package goods, and it can now prepare 50 orders
per minute. They are in talks with the grocery-deliverer Fresh Direct,
to sell and fulfill orders for health and beauty products on its site.
The company is already doing the same for Walmart.com. It is also
working with two of its distributors--naturally, Vagenas won't say
who--to bring a white-label version of its site to mom-and-pop
brick-and-mortar drugstores, so that pharmacies like Vagenas and
Tramunti's old one in the Bronx can deliver goods as fast as the big
guys. After growing up on Amazon's platform, Pharmapacks is
concentrating on its own.
Still, on a recent afternoon, Tramunti was hard at work, sifting
through delisted items, checking and uploading each one using the Master
Brain. "It's tedious, it's hard, it's a real grind," he said, checking
boxes on his computer. "Other tech companies--I'm not saying they don't
work hard, but do you see the amount of shit we have to deal with? It's
not sexy. It's like Blood Diamond! This is our Sierra Leone!" He cracked
a wry smile, knowing, as always, that if he ever slips up, two million
other sellers are out there, ready to do whatever they can to beat him
to the buy box.
Yanditswe kuya 6-03-2016 saa 08:18' na THEOPHILE MUSABYIMANA
Rutagengwa Gabiro Herve w’imyaka 30 yabonye
isoko ryo gukwirakwiza ikoranabuhanga (ICT) mu ntara yose ya Amhara
cyane cyane mu Mujyi wa Bahir Dar muri Ethiopia.
Uyu munyarwanda Rutagengwa yabonye isoko ryo gusakaza
ikoranabuhanga mu Ntara ya Amhar Ethiopia ubwo sosiyete ye yitwa
Medmasoft yari yitabiriye imurikabikorwa ry’ikoranabuhanga muri Ethiopia
muri Gashyantare.
Mu kiganiro na Rutagengwa yavuze ko yahawe isoko ryo gusakaza
ikoranabuhanga mu Ntara yose ya Amhar nyuma y’uko abanya- Ethiopia
benshi bishimiye porogarame ze zirimo iyitwa Inka Track ikoreshwa muri
telefone ifasha kumenya ubuzima bw’amatungo, Ireme Smart School ifasha
ibigo by’amashuri mu buryo bujyanye n’icungamutungo, ndetse n’iyitwa
Direct ishobora kwifashishwa n’imiryango itegamiye kuri Leta (ONG).
Yagize ati “ Nahawe isoko kubera ko babonaga porogarame nakoze ari
nziza bazikeneye, gusa byanyeretse ko mu Rwanda abantu benshi babashije
gukora ibintu bitandukanye byajya ku isoko mpuzamahanga .”
Rutagengwa yizeye ko mu minsi iri imbere sosiyete ye ya Medmasoft
izaba ikomeye cyane bitewe n’amafaranga azakorera muri Ethiopia, kuko
uko buri Sosiyete azafasha muri Ethiopia izajya yishyura ama-birr
(amafaranga akoreshwa muri Ethiopia) angana n’ibihumbi icumi, asaga gato
ibihumbi 350 by’amafaranga y’u Rwanda.
Kugeza ubu kandi yatangiye kubona amasoko mu bihugu nka Congo Brazzaville, Ghana, Nigeria n’ahandi.
Yanditswe kuya 7-03-2016 saa 10:17' na Musabyimana Theophile
Mu Rwanda benshi bafite imishinga
y’Ikoranabuhanga itandukanye ndetse yatanga ibisubizo ku bibazo bihari,
ariko abashobora kuyishyira mu bikorwa bakaba ari bake, bituma igihugu
gikomeza gushingira ku ikoranabuhanga rikomoka ahandi maze ntirisubize
ibibazo bya nyabyo Abanyarwanda bafite.
Iki kibazo Leta y’u Rwanda yagitekerejeho kuko hari gukusanywa
amafaranga y’u Rwanda asaga miliyari 70 azifashishwa mu kigega
cyihariye cyo gushyigikira imishinga myiza y’ubucuruzi bushingiye ku
ikoranabuhanga.
Minisitiri w’Urubyiruko n’Ikoranabuhanga, Jean Philbert Nsengimana,
yavuze ko mu mezi make ari imbere ikigega gishobora kuba cyatangizwa mu
nama mpuzamahanga yiga ku bukungu izabera mu Rwanda muri Gicurasi.
Yagize ati “Urabizi ko u Rwanda ruzakira inama mpuzamahanga yiga ku
bukungu ‘World Economic Forum’ muri Gicurasi, twifuza ko twagera aho
tumaze kugira ikintu kigaragara cy’intambwe yamaze guterwa, haramaze
gukusanywa amafaranga ahagije, tukaba twagitangiza cyangwa yaba
atarageraho tukongera tukiha igihe kigira ngo ayo mafaranga tuyagereho
ariko intambwe twateye yo gushyiraho iki kigega ntabwo isubira inyuma.”
Iki kigega cyavuzweho cyane mu mwaka wa 2015 mu nama ya ‘Transform Africa’ ariko nyuma gato nticyongera kuvugwaho byinshi.
Minisitiri Nsengimana mu kiganiro na KFM yavuze ko nubwo kitari
kuvugwaho cyane muri iyi minsi hari amatsinda yashyizweho ari kwegera
abikorera babumvisha inyungu bazagira mu kugishoramo imari.
Biteganyijwe ko Leta izashora amafaranga asanga miliyari 200
z’amanyarwanda andi akaba ategerejwe mu bikorera bizezwa inyungu
izaturuka mu bazagurizwa ayo mafaranga ariko mu buryo butandukanye
n’ubwo banki zibikoramo kuko hazakoreshwa kugura imigabane.
Ati “Uburyo bishyuzwamo butandukanye n’uko banki zikora, ntabwo ari
kwa kundi bakwishyuza bashyizemo inyungu runaka, ahubwo uburyo
buzakoreshwa cyane cyane ni ukuvuga uti ’ese uwashora amafaranga mu
bucuruzi bwawe ariko nkafatamo imigabane yaba 5%, 10%, yaba 20%”.
Kugeza ubu ntiharashyirwaho ibyo isosiyeti izabona ayo mafaranga
izaba yujuje ariko buri imwe ikora mu ikoranabuhanga ishobora kugerwaho
binyujijwe mu mwimerere wayo n’uko nyirayo agaragaza ko izunguka.
Mu Rwanda hari ibigo bigenda bifasha abikorera mu ikoranabuhanga
harimo ikigo ‘Think’ cyashyizweho na Sosiyete y’ikoranabuhanga mu
itumanaho ya Millicom ikorera mu Rwanda nka Tigo Rwanda, kigenda gifasha
abafite imishinga myiza y’ikoranabuhanga.
Kuva mu mwaka wa 2012, Ikigo K-Lab gishinzwe, cyateje imbere guhanga udushya mu ikoranabuhanga.
Sosiyeti zikora za Porogaramu, izikora imbuga nkoranyambaga,
ubucuruzi kuri internet n’ubukoresha ikoranabuhanga zigenda zigaragaza
kuzamuka byihuse ku Isi ndetse zirushaho kuzamuka ku isoko ry’imari
n’imigabane mu bihugu bikomeye ugereranyije n’ubundi bucuruzi.
Minisitiri w’Urubyiruko n’Ikoranabuhanga, Jean Philbert Nsengimana
Yanditswe kuya 23-02-2016 saa 13:51' na Ntakirutimana Deus
U Rwanda ruratekanye ku bijyanye n’ibirirwa. Si
Leta y’u Rwanda ibihamya gusa ngo bivugwe ko yishimagiza, Ishami rya
Loni rishinzwe Ubuhinzi n’Ibiribwa ku Isi (FAO) naryo ryabihamije.
Birazwi ko abatuye Karongi hitwaga Kibuye bajyaga basuhukira
mu yahoze ari Perefegitura ya Gitarama,abatuye mu Bugesera nabo
basuhukiraga mu bindi bice kubera inzara.
Politiki nziza y’igihugu ishimwa na FAO yatabaye abaturage bari
barazahajwe n’inzara, maze batangira kubona ibiribwa, hirya no hino mu
bishanga hubakwa ingomero z’amazi zivomerera ubuhinzi bw’umuceri butari
bumenyerewe mu Rwanda, aho umuceri waribwaga n’umugabo ugasiba undi, na
bwo mu minsi mikuru.
Uhagarariye FAO mu gice cya Afurika y’Iburasirazuba, Dr Patrick Kormawa yatangaje ko u Rwanda rutagifite ikibazo cy’inzara kubera
politiki nziza y’igihugu.
Yagize ati “ Ubuyobozi bwiza, bufite intego bwashyizeho gahunda
zitandukanye zituma hatakibaho ikibazo cy’inzara, harimo gahunda ya
Girinka, Inkongoro ku Mwana n’ibindi byose byabaye ibirungo
by’iterambere.”
Yakomeje avuga ko u Rwanda rutanga umusaruro ufatika mu ishyirwa mu
bikorwa no kugera ku ntego kwa FAO, mu kurwanya inzara no guharanira
iterambere ry’ubuhinzi n’ubworozi.
Dr Kormawa yavuze ko we ubwe yisuriye abaturage bo mu Karere ka
Rulindo mu Gushyingo 2015, akibonera uburyo abanyeshuri bahabwa amata ku
ishuri,n’uburyo abaturage bateye imbere kubera gahunda ya Girinka.
Ashima ibyo bikorwa, ngo kuko nta terambere ryagerwaho nta burezi, kandi nabwo butagerwaho abagomba kubuhabwa bashonje.
Uhagarariye FAO muri Afurika y'iburasirazuba Dr Patrick Kormawa
Umunyamabanga wa Leta muri Minisiteri y’Ubuhinzi n’Ubworozi Tony
Nsanganira , yavuze ko u Rwanda ruzakomeza kunoza ibijyanye n’ubuhinzi
n’ubworozi mu rwego rwo gufatanya n’ibindi bihugu mu kurwana urugamba
rw’ Isi itagira inzara mu mwaka wa 2030.
Yavuze ko mu myaka 15 ishize, u Rwanda rwatangiye gahunda zigamije
kuzamura imibereho y’abaturage kandi yagejeje igihugu ku iterambere
n’umutekano w’ibiribwa.
Muri iki gihe, umusaruro w’ubuhinzi wiyongereyeho 6%, ariko harimo gushakishwa uburyo wakwiyongera byibuze ku kigero cya 8.5% .
Mu byo u Rwanda ruhanganye nabyo birimo kugabanya umubare w’abana
bagifite ikibazo cy’imirire mibi bangana na 39-40%. U Rwanda kandi
rurimo gufasha abaturage bo mu Mirenge yo mu Ntara y’Iburasirazuba
bahuye n’ikibazo cy’amapfa, n’ab’Iburengerazuba bangirijwe umusaruro
n’imvura nyinshi yaguye mu turere twa Karongi na Rutsiro, bazagurizwa
inyongeramusaruro.
Ibihugu nka Ethiopia byavuzweho ko bizahura n’ikibazo cy’inzara
ikabije, bishimwa kubwa politiki ya FAO ifatanyije na Leta mu gushaka
uko bahangana n’iyo nzara. Amadou Allahoury Diallo,uhagarariye FAO muri icyo gihugu yavuze ko
ikibazo cy’inzara kigaragara mu bice bimwe na bimwe, ariko ko itameze
nk’izigeze kuhica abantu n’amatungo.
Abayobozi ba FAO mu bihugu 13 bya Afurika bateraniye i Rubavu mu nama
y’iminsi itatu basangira ingamba zafashwe mu myaka ishize ku bijyanye
no kurwanya inzara , imirire mibi n’ubukene muri Afurika
y’Iburasirazuba.
Yanditswe kuya 18-03-2016 saa 16:36' na MUSABYIOMANA THEOPHILE
Nyuma y’imyaka ine itangije ibikorwa byayo mu
Rwanda, Equity Bank ivuga ko yagiye itera imbere ku buryo mu mwaka
ushize wa 2015 yungutse amafaranga angana na miliyari 2.1 utabariyemo
imisoro, mu gihe uwawubanjirije yari yungutse agera kuri miliyari 1.2.
Mu kiganiro n’itangazamakuru kuri uyu wa kane, Samuel Kirubi wari umaze igihe ayiyobora, yavuze ko iyo nyungu yaturutse ku bwiyongere
bw’amafaranga abakiliya bayo bagenda babitsa.
Yagize ati ″Mu mpera z’ Ukuboza 2011, hari hamaze kubitswa amafaranga
angana na miliyari 4.3, mu gihe mu mwaka wa 2015 yageze kuri miliyari
68.5. Hannington Namara watangajwe ku mugaragaro nk’umuyobozi mushya w’iyi
banki mu Rwanda, yijeje Abanyarwanda serivisi nziza zitangwa na yo no
kuzana udushya dushobora kunogera abakiliya.
Ati ″Tugiye gukora ku buryo ku isoko nta wuzajya aduhiga mu gutanga
serivisi nziza, haba mu gutanga inguzanyo, kubikira no kubikuriza
abakiliya amafaranga, kubegera no gukomeza gushakisha ibibanogera,
gukoresha ikoranabuhanga n’ibindi.”
Yavuze ko bifuza no kurenga serivisi batanga, bakongeraho no kujya bagira inama abakiliya.
Kugeza ubu Equity Bank yibarira umutungo wa miliyari 92.8, ikaba
ifite amashami 11 mu bice bitandukanye by’u Rwanda n’abakiliya barenga
389 328.
Kirubi yashimiye Guverinoma y’u Rwanda ku buryo yoroheje ishoramari, byatumye abakiliya b’iyi banki biyongera.
a,Hannington Namar Umuyobozi mushya wa Equity Bank
Samuel Kirubi wari umaze igihe ayobora Equity Bank
Amabuye y’agaciro y’u Rwanda agiye kwifashishwa mu gukora telefone zigezweho
Yanditswe kuya 26-03-2016 saa 08:29' na MUSABYIMANA THEOPHILE
Amabuye y’agaciro ya wolframite (tungsten) y’u
Rwanda agiye gutangira gukoreshwa muri telefone zigezweho z’uruganda rwo
mu Buholandi, Fairphone.
Umunyamabanga wa Leta muri Minisiteri y’umutungo
kamere(Minirena) ushinzwe ubucukuzi bw’amabuye yagaciro yashyize
ubutumwa ku rubuga rwa twitter kuri uyu wa kabiri, agaragaza ko amabuye
y’u Rwanda agiye kujya akoreshwa mu gukora telefone zigezweho zikorwa
n’uruganda rwa Fairphone.
Mu cyumweru gishize kandi itsinda ry’abantu bavuye muri urwo ruganda
basuye ibirombe bicukurwamo amabuye y’agaciro ya wolframite (tungsten),
bavuga ko bagiye kujya bayakoresha bakora telefoni.
Iri tsina ryatangaje ko baje muri uru ruzinduko bashaka kureba
iterambere ry’ubucukuzi mu Rwanda, no guhamya ko amabuye y’agaciro yo mu
Rwanda nta sano afitanye n’amakimbirane agaragara ku Karere k’ibiyaga
bigari.
Kuba ibirombe bya New Bugarama Mining Company basuye barasanze
byemewe n’Inama mpuzamahanga y’Akarere k’ibiyaga bigari (ICGLR), ngo ni
ikimenyetso cy’uko ibiva muri aya mabuye ahacukurwa bitajyanwa gufasha
imitwe yitwaza intwaro ikorera mu Karere.
Kuva mu 2014, ubwo uruganda rwa Fairphone rwatangiraga gukorana na
Steffen Schmidt, yatangije urugendo rwo kuba yagura wolframite
(tungsten) mu Rwanda, kandi bahamya ko mu gihe bazaba batangiye kuyagura
bizatuma n’andi yo mu Karere atangira kugurwa.
Ibirombe bya ’New Bugarama Mining Company’ basuye bavuze ko
bitagikora ubucukuzi bwa gakondo, ndetse ko bikorana neza n’abacukuzi
kimwe n’abandi bakozi bagahembwa neza.
Inyandiko yasohowe ku rubuga rwa Fairphone ivuga ko “hasigaye utuntu
duke ngo tungsten icukurwa mu birombe bya New Bugarama Mining yinjizwa
muyo tugura igakorehwa muri moteri ituma habaho vibreur (guhinda) muri
telephone ya Fairphone 2.”
Iyi nyandiko igaragaza ko nubwo ubu bucukuzi bwateye imbere,
bazakomeza ubufatanye ngo birusheho kugenda neza, bakemura inzitizi
zikirimo.
Ibi bishobora kuba igisubizo ku mabuye ya wolframite (tungsten),
Minirena ivuga ko yinjije amafaranga make mu mwaka wa 2015, aho yinjije
miliyoni 149 z’amadorali, Minirena ikavuga ko colta na gasegereti ari yo
yinjije amafaranga menshi.
Kugeza ubu u Bushinwa butanga 98% bya tungsten y’Isi, ndetse bukagira
ijambo rikomeye ku isoko ryayo; aho bushobora kuzitira ibindi bihugu
kugera ku masoko, bikanaba imbogamizi ku izamuka ry’ibiciro by’aya
mabuye.
Fairphone ni uruganda rukora telefone zigezweho, rufite icyicaro Amasterdam mu Buholandi.
Ayo mabuye azajya yifashishwa hakorwa telefoni nk'iyi ya Fairphone 2
Yanditswe kuya 15-03-2016 saa 09:36' na Cyprien Niyomwungeri
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Impuguke mu bukungu zagaragaje ko impinduka mu
bukungu bwa Afurika zizagerwaho mu gihe uyu mugabane uzareka kugendera
mu murongo w’iterambere ry’indi migabane, igashyiraho uwayo uwubereye.
Mu gufungura inama yiga ku mpinduka mu bukungu bwa Afurika
(ATF), abahanga mu by’ubukungu bagaragaje ko Afurika idakwiye gukurikiza
uburyo abandi bakoresha ngo bagere ku iterambere ahubwo ikwiye gushaka
inzira yayo iyigeza ku iterambere ryihuse kandi rirambye.
Iyi nama y’iminsi ibiri iteraniye i Kigali igamije gushaka impinduka
mu bukungu hashingirwa ku gufata ingamba mu kwihutisha iterambere
rirambye ry’umugabane wa Afurika, kuwushyira mu ruhando rw’indi migabane
y’isi mu bijyanye n’iterambere n’ishoramari, ndetse no kuwugira
utagenewe kugura ibintu hanze ahubwo nawo ukaba icyicaro cy’inganda
zikora ibyoherezwa hanze yawo.
Umunyamabanga Nshingwabikorwa wa Komisiyo ya Loni ishinzwe Ubukungu
bwa Afurika, Carlos Lopes, yavuze ko Afurika ifite amahirwe yo guhinduka
ishingiye ku byo ibona, yigira ku bandi nayo ikongera kuvumbura uburyo
bwayiteza imbere bubereye abayituye.
Yagize ati “Afurika ikeneye imiterere y’impinduka z’ubukungu,
zitandukanye n’izihari ubu kandi uburyo bwiza bwo kuzigeraho ni
ugushingira ubukungu ku nganda.”
Lopes akomeza avuga ko izi nganda zitagomba kuba zigana ibikorwa n’izo muri Amerika, Aziya, u Burayi n’ahandi.
Ati “Zigomba kuba zitandukanye cyane na ziriya. Iyo urebye iby’ahandi
ku Isi bakora, ntibagendera ku byo dukeneye muri Afurika kuko bagendera
ku kigero cy’ubukungu bw’Isi kitarabasha kuboneka muri Afurika.”
Lopes asanga inganda za Afurika zikwiye kubanza guhaza isoko ryo ku
mugabane n’akarere mbere yo kwagura imipaka, kandi zikibanda cyane ku
gutunganya no kongerera agaciro ibikomoka ku buhinzi n’ubworozi,
n’amabuye y’agaciro byoherezwa mu mahanga.
Ati “Urugero, duhinduye amabuye y’agaciro nibura 15% mbere yo
kuyohereza mu mahanga, dushobora guhanga imirimo miliyoni eshanu buri
mwaka.”
Aha atanga urugero rw’uko kongerera agaciro umuringa na Coltan
bidasaba ikoranabuhanga rihambaye ahubwo bisaba amashanyarazi gusa.
Umuyobozi w’Ikigo Nyafurika cyibanda ku mpinduka zigamije iterambere
ry’ubukungu (ACET), Kingsley Y. Amoako, avuga ko kongerera agaciro ibyo
Afurika yohereza mu mahanga bizagira uruhare rukomeye mu iterambere
ryayo.
Yagize ati “Afurika ifite ubutaka bukize, tugomba kububyaza umusaruro
mwinshi. Tubifashijwemo n’inganda zikora neza ibijyanye no gutunganya
umusaruro w’ibikomoka ku buhinzi n’ubworozi, no kongerera agaciro
amabuye y’agaciro, Afurika ishobora kongera ubukungu bwayo.”
Amoako asaba ibihugu bya Afurika gufungura amasoko bigateza imbere
ubuhahirane hagati y’uturere, bikoroshya urujya n’uruza rw’ibicuruzwa
n’abantu niba bishaka guhangira imirimo urubyiruko rungana na 80%
ruwutuye.
Yakomeje ashima uburyo imiyoborere y’u Rwanda yatumye rugera ku
mpinduka z’ubukungu butanga icyizere ugereranyije n’ibindi bihugu bya
Afurika.
Minisitiri w’Imari n’Igenamigambi, Claver Gatete yavuze ko intumbero
y’u Rwanda yo kugera mu bihugu bifite ubukungu buciriritse, itaragerwaho
ariko imbaraga nyinshi zikomeje gukoreshwa binyuze muri gahunda
zitandukanye nka EDPRS II na Vision 2020.
Yanditswe kuya 21-03-2016 saa 18:58' na MUSABYIMANA THEOPHIle
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Abayobozi b’amashami ashinzwe gushyiraho
amabwiriza y’ubuziranenge mu biguhu 20 byo muri Afurika bikoresha
Icyongereza , kuva kuri uyu wa Mbere bateraniye mu nama y’iminsi itatu i
Kigali, igamije kureba uburyo ibihugu bikiri mu nzira y’amajyambere
bitaryamirwa n’ibyateye imbere mu bijyanye n’ishyirwaho ry’amabwiriza
y’ubuziranenge.
Iyi nama yateguwe n’Umuryango Mpuzamahanga ushinzwe kugenzura ubuziranengeISO).
Ubwo yatangizwaga, Umuyobozi w’Ikigo cy’Igihugu gishinzwe
ubuziranenge mu Rwanda (RSB), Dr Mark Cyubahiro Bagabe, yavuze ko
ibihugu bikiri mu nzira y’amajyambere birushwa imbaraga n’ibyateye
imbere mu gihe hashyirwaho amabwiriza y’ubuziranenge ku rwego rw’isi.
Ati″Usanga mu bihugu byateye imbere baturusha impuguke zifite
tekiniki n’ubumenyi, ku buryo usanga hari aho bakomeza ibwirizwa runaka.
Ikindi baturusha ubushobozi bujyane n’umutungo na politiki, ku buryo
iyo habaye nk’inama batora ibwiriza runaka, twe twohereza abantu bake,
bo bafite benshi bakaturusha amajwi".
Yavuze ko ibihugu byo ku mugabane wa Afurika bitari ku rwego rungana
mu Muryango Mpuzamahanga ushinzwe ubuziranenge, kuko usanga hari
n’ibitaraba ibinyamuryango byuzuye, ndetse ko n’amabwiriza
y’ubuziranenge muri ibi bihugu atarahuzwa.
Bagabe yasobanuye ko iyi nama izaba umwanya wo kureba uburyo
amabwiriza y’ubuzirange yahuzwa mu bihugu bya Afurika hashingiwe ku
igenamigambi rya buri gihugu, mu rwego rwo koroshya ubucuruzi no kureba
uburyo byahangana n’ibihugu byateye imbere.
Ati″Turasha kuzamura ubushobozi bw’abakozi bacu kugira ngo bazagende
barebe igenamigambi ryabo barihuze n’irya buri gihugu, kugira ngo
igicuruzwa niba kivuye mu gihugu runaka kidakumirwa mu kindi, na za
ntege nke twagiraga zigabanuke”.
Umukozi mu Muryango Mpuzamahanga wita ku Buziranenge Reinhard
Weissinger, yavuze ko ubuziranenge ari ingenzi mu iterambere
ry’ibihugu, ariko ko gushyiraho amabwiriza yabwo bigomba kujyana
n’ibyagirira igihugu akamaro, nk’ubucuruzi, imibereho y’abaturage,
ubuzima, umutekano, kurengera ibidukikije n’ibindi.
Ibiganirwaho muri iyi nama birajyana n’igenamigambi ry’imyaka itanu
iri imbere, ibihugu biri muri ISO byashyizeho mu bijyanye
n’ubuziranenge.
Kanimba yasabye ibigo bya Leta gutanga urugero bikoresha ibyakorewe mu Rwanda
Yanditswe kuya 17-03-2016 saa 09:00' na MUSABYIMANA THEOPHILE
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Mu gihe bimwe mu bigo bya leta bitumiza byinshi
mu bikoresho hanze kandi hari ibisa nabyo bikorerwa mu Rwanda nk’intebe
n’ibindi, Guverinoma y’u Rwanda iherutse kwemeza ko ibigo bya leta
bifata iya mbere mu gukoresha ibikorwa n’abanyabukorikori bo mu Rwanda,
muri gahunda izwi nka “Made in Rwanda Campaign”.
Mu Mwiherero wa 13 w’abayobozi wabaye kuwa 12 kugeza kuwa 14
Werurwe 2016, mu myanzuro yawufatuwemo, uwa cyenda uvuga ku “guhindura
imyumvire y’Abanyarwanda kugira ngo turusheho gukunda no gukoresha
ibikorerwa mu Rwanda no gushyiraho uburyo bwo gukurikirana uko bishyirwa
mu bikorwa.”
Mu kiganiro n’abanyamakuru Kuri uyu wa Gatatu, Minisitiri w’Ubucuruzi
n’Inganda (MINICOM) , Francois Kanimba yavuze ko inzego za leta zigomba
gutanga urugero mu gukoresha ibikorerwa mu Rwanda mbere yo
kubishishikariza abandi.
Yagize ati “Hari icyemezo cyamaze gufatwa ku rwego rwa Guverinoma, ko
inzego za leta zose zikeneye ibikoresho byo mu biro, bagomba kubigura
mu nganda zo mu Rwanda. Icyo ntekereza ko n’iyi gahunda ya “Made in
Rwanda” nk’uko tuyivuga, harimo no kubwira inzego za leta zigomba
gutanga urugero, birimo ntabwo ari ibanga kandi hari ibyemezo byatangiye
gufatwa.”
Muri iyi gahunda, biteganyijwe ko hazibandwa ku guteza imbere ku
buryo bwihariye inganda zongerera agaciro ibiboneka mu Rwanda birimo
ibiti, amata, impu, amabuye, n’inganda zikora imyenda n’inkweto.
Minisitiri Kanimba avuga ko ku Rwanda nk’igihugu kigitangira ibijyanye n’inganda, izo nzego zidasaba ingufu zidasanzwe.
Iyi gahunda kandi ihuzwa no guca imyenda ya caguwa, usanga igurwa
cyane mu Rwanda kandi igatangwaho amafaranga asaga miliyoni 15
z’amadolari ya Amerika buri mwaka mu kuyitumiza hanze.
Minisitiri Kanimba yavuze ko mu gushishikariza abantu gukunda
ibikorerwa mu gihugu hazibandwa no guhindura imyumvire ku ruhande
rw’inganda, ndetse ngo ntibizaba mu buryo bwo kumvisha Abanyarwanda ko
bagomba kugura ibikorerwa iwabo gusa, n’ibikorwa bigomba kugira
umwimerere.
Ku byo Leta izafasha inganda, Minisitiri Kanimba yakomeje agira ati
“Muri iki gikorwa hari byinshi bizahinduka mu myumvire n’imikorere
y’abanyeganda bamwe na bamwe bafite ibicuruzwa byiza bashobora kujyana
ku isoko, ariko usanga igice cy’isoko ari gito ugereranyije n’icyo
bagombye kuba bafite, bagire icyo bashora mu gukora imenyekanisha
bikorwa ry’ibyo bakora.”
Kanimba kandi yavuze ko u Rwanda ari igihugu kiri mu nzira
z’amajyambere kandi kizabamo mu gihe cy’imyaka myinshi, bityo ngo ibi
ntibyasobanura ko rutagomba gukomeza ubucuruzi n’amahanga, uhubwo ngo
aho rutihagije ruzakomeza kwifashisha ibicuruzwa bituruka hanze.
Umwanzuro wo guteza imbere ibikorerwa mu bihugu kandi wafatiwe mu
nama y’Umuryango wa Afurika Yunze Ubumwe iheruka, nyuma yo gusanga
ibikoresho by’ibanze mu nganda nyinshi mu mahanga biva muri Afurika,
ariko ugasanga kuri uyu mugabane bitabyazwa umusaruro.
Inama y’abakuru b’ibihugu bya Afurika y’u Burasirazuba nayo iheruka
kwemeza gahunda yo guca burundu imyenda itumizwa hanze yarambawe,
hagamijwe guteza imbere inganda zikora imyenda mu Karere.
MINICOM iherutse gutangaza ko ibyo u Rwanda rutumiza mu mahanga kugeza ubu, byikubye inshuro eshatu ibyo rwoherezayo.
Abayobozi batandukanye mu kiganiro n'abanyamakuru kuri uyu wa Gatatu
Ikigo gihugura abashaka kwihangira imirimo (BDC)
cyatanze impamyabushobozi ku nshuro ya munani ku barangije amahugurwa
ku kwihangira imirimo no gukora ubushabitsi.
Abanyeshuri 26 barimo abakobwa 8 ni bo bahawe impamyabushobozi
ku itariki ya 4 Werurwe 2016 nyuma y’amasomo ku gukirana amahugurwa mu
gihe cy’amezi atatu ku bufatanye n’Umuryango These numbers Have Faces,
usanzwe ufasha urubyiruko kubona imirimo.
Umuyobozi ushinzwe ibikorwa bya BDC, Patrice Habinshuti yavuze ko
icyo aya mahugurwa aba agamije ari gufasha ba rwiyemezamirimo batangiye
gukora n’abifuza kubabo kurushaho kunguka ubumenyi mu bijyanye no gukora
ubushabitsi.
Ati “Ntabwo tubita abanyeshuri ahubwo ni ba rwiyemezamirimo. Ntabwo
tubaha amahugurwa kugira ngo bahabwe impamyabushobozi ahubwo tubafasha
gushyira mu bikorwa ibitekerezo n’imishinga yabo. Aba barangije ntabwo
navuga ko bagiye, ahubwo nibwo binjiye muri BDC, dufite inshingano zo
gukomeza kubafasha.”
Yakomeje avuga ko mu bufasha babaha harimo inama zitandukanye haba ku
buryo bwo gucunga ibikorwa byabo, imari ndetse no kubahuza n’abantu
bashobora gushora imari mu bushabitsi bwabo.
Nkurunziza Christophe, umwe muri ba rwiyemezamirimo bitabiriye aya
mahugurwa ufite umushinga wo gukora ubucuruzi kuri Internet wahize
iyindi yavuze ko ubumenyi yakuyemo bugiye gutuma yongera imbaraga mu byo
akora.
Ati” Aya mahugurwa hari ubumenyi ansigiye mu bijyanye no gukora
ubushabitsi. Nayagiyemo naratangiye gukora ariko ibyo nkora ntaho
biragera. Ubumenyi nahawe hano bwatumye hari aho mvana ubucuruzi
bwanjye.”
Umuyobozi ushinzwe guteza imbere imishinga mito n’iciriritse muri RDB, Kanyange Immaculée yasabye abarangije bose kudacika intege ndetse
anabizeza kubaha ubufasha aho bishoboka.
Abahagarariye ibigo bitandukanye birimo birimo Speed Mouvement, Grow
Fin, Access Bank n’izindi banki zitandukanye babwiye abamaze guhugurwa
ko akazi ari bwo gatangiye ndetse babereka amahirwe agiye atandukanye
ari mu bigo bahagarariye.
BDC yatangiye amahugurwa nk’aya mu 2001, kugeza ubu abagera kuri 300
bakaba ari bo bamaze guhugurwa no guhabwa ubundi bufasha bwatuma
ubushabitsi bwabo bukomeza gutera imbere.
Ntirimeninda Willy Leornard utuye mu Kabuga ka
Nyamyumba mu Murenge wa Masoro mu Karere ka Rulindo, mu Ntara
y’Amajyaruguru, amaze imyaka 18 agerageza gukora indege ndetse afite
icyizere ko azayuzuza bitarenze Werurwe igatangira kuguruka.
Uyu mugabo avuga ko igitekerezo cyo gukora indege cyamujemo mu
1993 yiga mu mwaka wa gatatu w’amashuri yisumbuye muri ETO Kicukiro,
aza kugira ubushobozi bwo gutangira kuyikora 1998.
Niyuzura ngo izajya ikoresha moteri isanzwe y’imodoka zinywa lisansi.
Mu kiganiro yagiranye na TV1, Ntirimeninda yavuze ko mu mwaka wa 2001 yari amaze gukora igice gito cya yo.
Hagati y’umwaka wa 2004 na 2008 yongeye kugerageza igice yari yaramaze gukora asanga agifite byinshi byo gukoraho.
Yagize ati “Natekereje gukora indege yo mu bwoko bwa kajugujugu
numva izaba ari ‘Transport’ yanjye. Ndateganya ko iyi ndege igomba
gutangira kuguruka muri uku kwezi. Ni utuntu duke dusigaye kugirango
itangire kuguruka.”
Mu gukora iyi ndege ngo yifashisha ubumenyi yize muri Eto Kicukiro hamwe n’ibyo asoma mu bitabo ndetse na mudasobwa.
Mu myaka 18 amaze agerageza gukora indege, avuga ko ikibazo
cy’imbogamizi afite ari amikoro make ngo kuko hari igihe amafaranga
amubana make, cyangwa akabura umwanya kuko asigaye akora muri Parc ya
Nyungwe nk’umusuderi (soudeur) bigatuma aza kuyikora mu mpera
z’icyumweru.
Abenshi mu batuye muri aka gace bavuga ko bafite amatsiko yo
kuzayibona igurutse, ndetse ngo bumva bazamusaba umunyenga, dore ko
bamwe ngo ari ubwa mbere bazaba bayigenzemo.
Hari abaturanyi be bamaze kumwemerera kuzamutera inkunga y’amavuta (essence) yo gushyiramo umunsi izaba igiye kuguruka.
Abayobozi batandukanye mu kiganiro n'abanyamakuru kuri uyu wa Gatatu
