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Application y' Inzego z'Abikorera

Igihe cyo gusaba

Kuri ubu, inguzanyo ku rwunguko ruto (Credit Line) ihabwa inzego z’abikorera ntabwo iri gutangwa, kugeza igihe muzamenyeshwa. Icyakora ibigo byikorera (Companies) bibyifuza birashishikarizwa gukomeza kohereza ubusabe bwabyo. Kanda hano kugira ngo ubone amakuru arambuye.

Inzira zo Gusaba

Gusaba inkunga ya FONERWA bikorwa hakoreshejwe uburyo bw’ikoranabuhanga, ku rubuga rwa Interneti rwacu. Usaba inguzanyo asabwa kugira konti yafunguje anyuze ku rubuga rwacu, Kanda hano. Aha ni ho anyura, usaba atangira amakuru yose akenewe ku busabe bwe.

  • Waba uri Urwego rwa Leta cyangwa Sosiyete sivili, nyura hano mu gusaba inkunga ya FONERWA  kanda hano:
  • Waba uri mu rwego rw’Abikorera? Kanda hano
  • Kanda hano kugira ngo usobanukirwe neza uburyo bwo gutunganya inyandiko isaba inkunga ya FONERWA. Niba ari inshuro ya mbere usabye inkunga ya FONERWA, kanda hano kugira ngo umenye amakuru arambuye ku nzira zo gusaba inkunga ku mishanga.

Amabwiriza

  • Uburyo bwo gukora PPD buri kuri interineti hano, bugamije gufasha abasaba inkunga ya FONERWA kugira ubumenyi n’amakuru ahagije ku gukora no gutanganya inyandiko zisaba inkunga ya FONERWA. Izindi nyandiko zindi zitangwa zigamije gutanga amakuru yisumbuyeho arebana n’ibyo FONERWA yibandaho mu gutera inkunga imishinga. 
  • Kanda hano kugira ngo ubone inyandiko zigufasha mu gukora inyigo y’umushinga wawe. Intego y’izi nyandiko ni ugufasha abasaba inguzanyo kubona amakuru ahagije yo kwandika imishinga yabo. Izi nyandiko zirimo inyandiko ikoreshwa mu gukora PPD, urugero rw’inyandiko ya PPD wakoresha nk’imfashanyigisho, ndetse n ‘inyandiko ifasha FONERWA mu gukurikirana ingaruka z’umushinga FONERWA yateye inkunga. 

 

Inzira zose zikurikizwa mu Gusaba inkunga ya FONERWA

Buri rwego rusaba ikunga ya FONERWA rugomba kuzuza inyandiko ya PPD kugira ngo ubusabe bwemerwe ndetse butangire gusuzumwa.

PPDs zose zirasuzumwa n’itsinda rishinzwe imicungire y’Ikigega kugira ngo harebwe ibyari byasabwe n’ibyo ubasaba inkunga yatanze.

 

Ibisabwa muri PPD:

• Kuba umushinga ugaragaza ibyo uzageraho, kuba umushinga ubarizwa mu byiciro FONERWA itera inkunga

• Kuba ingaruka z’umushinga zizakomeza kugaragara na nyuma y’ibikorwa by’umushinga 

• Kuba umushinga ugaragaza uburyo bw’imikoreshereze y’amafaranga bushyize mu gaciro (value for money)

• Kuba harabayeho ibiganiro n’abafatanyabikorwa b’umushinga 

• Kuba umushinga ushyigikira intego z’igihugu n’isi yose mu kurengera ibidukikije no guhangana n’imihindagurikire y’ibihe

• Kuba umushinga wubahirije amategeko ndetse n’ingamba zo kurwanya ruswa 

 

Mu gihe inyandiko y’ibanze y’usaba inkunga yamaze gutoranywa, mu gihe uwasabye inkunga abyifuje, ashobora gusaba FONERWA ubufasha bwo gutegura, kunoza no gutanga inyigo yuzuye isaba inkunga y’umushinga we.

Inyandiko zigaragaza inyigo y’umushinga ku buryo bwagutse zisuzumwa n’itsinda rya FONERWA ribishinzwe, hagendewe ku biba byasabwe ndetse zigahabwa amanota. 
 
Ibyitabwaho:
  • Ikigero umushinga ukeneweho (Desirability)
  • Ukuramba k’umushinga (Viability)
  • Ugushoboka k’umushinga (Feasibility)
  • Amahirwe yo kuba umushinga yo kuba wabyara izindi nkunga 

 

Numa yo gushungura no gusesegura inyigo z’imishinga ku rwego rwa tekiniki, komite ya tekiniki ya FONERWA, ikora isesengura ndetse ikagaragaza imishinga yemerewe gukomeza mu kindi cyiciro. Imishinga iba yasabiwe kwemererwa inkunga kuri iki kiciro yongera kuganirwaho na komite ishinzwe imicungire y’Ikigega mbere yo gufatwaho umwanzuro. 

Komite ya FONERWA ishinzwe imicungire y’Ikigega ni yo ifata umwanzuro ku mushinga ku bijyanye no gusabirwa guhabwa inkunga ya FONERWA. Ibi ari ko bigendera ku isesengura riba ryakozwe ku cyiciro cya PPD and PDs.