Ni amagambo atangazwa n’Umuyobozi Mukuru w’Ikigo cy’ubwishingizi cya RADIANT , uvugako batazamuye na gato ibiciro by’ubwishingizi bwa za Moto nk’uko bivugwa, ahubwo ko bahuje ibiciro n’ibihe bigezweho kugira ngo Radiant ikomeze ibeho, cyane ko amafaranga yishyurwa kumpanuka, byagaragaye ko asumbye kure ayo abishingana baba batanze.
Aganira n'ikinyamakuru igisabo.rw/, Bwana Rugenera Marc Umuyobozi Mukuru akaba n'umwe mubatangije iki kigo, avuga ko mu by'ukuri bidatangaje kumva hari abavuga ko ibiciro byiyongereye kubera ko bari bamaze igihe bamenyereye ko hatangwa ubwishingizi bucye, nyamara impanuka zaza ikigo kigasabwa kwishyura akayabo k’amafaranga akubye incuro zitabarika zayatanzwe n’uwishinganye.
Agira Ati “Ntabwo twazamuye ibiciro by’ubwishingizi bwa Moto. Ahubwo twavuga ko twabihuje n’igihe, kubera ko tutabikoze gutyo mu minsi mike iki kigo ubona kimaze gushinga imizi mu buryo bugaragara, nticyaba kicyongeye kubaho kubera ko ayo gifite yose yashirira mu kwishyura impanuka zikomeje kwiyongera aho twishyura akayabo nyamara bene gutanga ubwishingizi nta kintu baba batanze kigaragara.”
Bwana Rugenera, avuga ko ubusanzwe Moto yishyuraga ubwishingizi bw’ibihumbi 42 ku umwaka gusa, impanuka yaba hakishyurwa Miliyoni nyinshi hagendewe ku kiciro cy’imyaka nyiri ugukora impanuka yarashigaje ngo afate ikiruhuko cy’izabukuru.
Akomeza agira ati “Muby’ukuri ibi bigo by’ubwishingizi bihura n’ibibazo byinshi. Nk’urugero iyo haramutse habaye impanuka hagapfa umuntu. Dufateko uwitabye Imana yari afite imyaka 30, yakoreraga umushahara wa Miliyoni y’amafaranga y’u Rwanda. Bazabara imyaka 35 yarashigaje ngo afate ikiruhuko cy’izabukuru. Icyo gihe rero bazafata ya Miliyoni, bayikube n’amezi 12 y’umwaka bakube ya myaka 35 asigaje, ngira ngo urumva ko ari Miliyoni 420 tuzishyurira umuntu watanze ibihumbi 42 gusa.”
Bwana Rugenera Marc, avuga ko igiciro bivugwa ko cyongerewe ku bwishingizi bwa za Moto , ababivuga ari ukkwigiza nkana no kudashaka kumva ukuri.
Bwana Rugenera Marc Umuyobozi Mukuru akaba n’umwe mubatangije Radiant Insurance Company
Avuga ko mu by’ukuri igiciro cyongerewe ari gito cyane ugereranyije niyo mibare amaze gusobanura, kubera ko abo ba Motari basabwa kwishyura amafaranga 400 gusa ku munsi, mu gihe banywa Essence y’ibihumbi 5 ku umunsi nyamara byo ntibabyinubire.
Avuga ko bitangaje kumva hari aba Motari bavuga ko Radiant yongeje ibiciro, mu gihe nyamara andi ma Sosiyete atanga ubwishingizi, yanze kubakira iwayo birinda ibihumbo biterwa n’impanuka za Moto za hato na hato zituma batakaza Miliyoni nyinshi batinjije.
Avuga ko rwose nta muntu bahatira kujya muri Radiant, kubera ko Amasosiyeti y’ubwishingizi mu Rwanda ari menshi. Gusa ngo abashaka gukomeza gukorana na Radiant kandi banubahiriza amategeko n’amabwiriza, amarembo ngo arakinguye n’ikimenyimenyi ngo bakomeje kwakira imirongo myinshi y’abamotari bashaka ubwishingizi n’ubwo hari abari gukabyaga ngo ibiciro byarazamutse batazi ko icyakozwe ari uguhuza n’ibihe bigezweho.
Abajijwe niba igitekerezo aba Motari bagaragaraje cy’uko bagiye kwishingira Soyiyeti yabo y’ubwishimgizi, niba yaba abona ko babishobora, cyangwa niba nta gihombo muri Radiant byabateza kubera kubura abakiliya, avuga korwose ntampungenge na nkeya bibateye.
Avuga mu Rwanda hariho Amasosiyeti menshi, nayo ngo ivutse byaba ari byiza ikaborohereza. Gusa ngo biragoye nta cyo yabizeza, ariko ntiyabaca intege.
Kuri iki kirebana na Sosiyeti nshya y’ubwishingizi yashingwa n’aba Motari, umwe muribo twahuriye ahazwi ku izina rya Peyaje, ariko ntiyifuze ko tumufata ijwi, yavuze ko adashyigikiye na gato icyo gitekerezo. Avuga ko na Koperarive zibahuza zabananiye, bityo ko Sosiyeti yo mu rwego rwo hejuru nk’iy’ubwishingizi atari yo bashobora. Kubw’uyu Mumotari ngo kwaba ari ukongerera abaryi n’ibisambo igaburo ritubutse nta kindi.
Amavu n’amavuko y’Ikigo cy’ubwishingizi cya RADIANT
Bwana Rugenera Marc Umuyobozi Mukuru w’Ikigo cy’ubwishingizi cya RADIANT, avuga ko Radiant, ari Sosiyete y’ubwishingizi nyarwanda yashinzwe mu 2013, ikaba yarashinzwe n’abantu 9 ku mugabane shingiro (Capital) wa miliyari imwe y’amafaranga y’u Rwanda (1,000,000,000frw), iki gihe ikaba ihagaze neza mu buryo bwishimirwa n’uwariwe wese.
Agira ati “Ikigo cy’ubwishingizi cya RADIANT, cyatangijwe n’abantu 9 ku mugabane shingiro (capital) wa Miliyali imwe y’amafaranga y’u Rwanda. Muri iki gihe tumaze kugera ku gaciro ka Miliyari enye (4,000,000,000), hiyongereyeho n’izindi nyungu tutari twahuza neza n’iyi Capital tugezeho bikazakorwa mu minsi ya vuba. Muri make navuga ko Radiant iri gukura inakora neza, tugamije gufasha abanyarwanda, tunazamura igihugu muri rusange. Iki gihe kand icyo wamenya ni uko dufite amashami hafi ya hose mu gihugu, abatugana nabo bakaba ari benshi ugereranyije tukaba turi ku mwanya wa kabiri mu bigo by’ubwishingizi bikorera mu Rwanda muri iki gihe gito tumaze dutangiye gukora akazi k’ubwishingizi.”
Bwana Rugenera, avuga ko Uko ikigo kigenda gikura, ari nako kigenda cyongera Capital kugira ngo gikomeze kigirirwe ikizere n’abacyigana kandi ngo bazakomereza muri uwo mujyo.
Avuga ko muri uko gukorera neza abanyarwanda badakorana n’ibigo binini n’abifite gusa, ahubwo ngo banakora n’abaciriritse cyane abahinzi n’aborozi kuva k’umuntu ufite inka imwe kugera ku muhinzi ufite igice cya Hegitari y’ubutaka.
Ni muri uru rwego avuga ko mu mwaka wa 2019 bashinze Radiant Yacu LTD, ahanini bagamije kuzamura abaturage bafite igishoro giciriritse no kubafasha gushinganisha ibyabo.
Avuga ko iyi Radiant Yacu LTD yaje ari igisubizo nyakuri ku makoperative y’abahinzi, kuburyo hari abo mu Karere ka Bugesera, baherutse kwangirizwa n’umwuzure w’Akagera imyaka yabo yose iratikira, bahabwa ingurane na Radiant ya miliyoni 246, mu gihe bari baratanze ubwinshingizi bwa Miliyoni 24 gusa.
Bwana Rugenera, Avuga ko mu by’ukuri kugira ngo ibi byiza yose babigereho, ibanga bakoresha ngo nta rindi, uretse kwakira neza ababagana.
Avuga ko kuba mu Rwanda hari Sosiyete nyinshi bakora akazi kamwe, udakoze neza ngo Abakiliya banyurwe nta kabuza ngo bagucikaho.
Avuga ko ariyo mpamvu n’aba Motari babagana ari benshi ngo ntawe ubahatira kuza ahubwo ngo ni uko andi masosiyeti yanga kubakira, n’ababakira bakabaca umurengera, ariyo mpamvu kuba bari muri Radiant ngo bagize Imana cyane.
Avuga ko icyo abantu bagombye kumenya ari uko amafaranga ibigo by’ubwishingizi bitanga ku mpanuka nta handi aturuka ari mu batanga ubwishingizi.
Asaba inzego zibishinzwe gushaka uko amategeko ariho agendanye n’ubwishingizi yavugururwa kurushaho kugira ngo agendane n’ibihe bigezweho.
Urugero rwa hafi avuga ni urw’uko nk’umuntu utagira akazi, iyo akoze Accident akitaba Imana, abarirwa 3000 Frw ku munsi , bagakuba n’ukwezi akaba 90,000, bagakuba n’umwaka, bagakuba n’imyaka yarasigaje ya Pention, mu gihe iyo afite akazi kazwi, urugero akorera 30000frw, bazakuba n,umwaka bakube n’iminsi asigaranye y’ubwishingizi abone makeya arutwe n’utaragiraga akazi.
Bamwe mu bakozi ba Radiant Yacu Ltd bari mu mirimo yabo
Kubirebana n’imitingito yibasiye imitungo y’abantu muri kino gihe niba hari abantu benshi bagiye bafata ubwishingizi, Bwana Rugenera avuga ko bariho, ari ko ngo ni bake cyane. Gusa ngo batangajwe no kubona abantu benshi kino gihe baraje ari benshi kubera biriya byago byabaye.
Avuga ko kubaha ubwishingizi byagorana kubera ko abenshi amazu yamaze kwangirika, gusa ngo kubaha ubwo bwishingizi byasaba kubasura nta kibazo, ikiza ariko ngo ni ugufata ubwishingizi impanuka zitaraba.
Kubirebana no gutinda kwishyura abakoze impanuka bikunze kuvugwa mu ma Sosiyete y’ubwishingiz, Bwana Rugenera avuga ko iwabo muri Radiant bitahaba.
Uwujuje ibisabwa wese ahita yishyurwa kereka ngo iyo binaniranye hakitabazwa inkiko, ariko ngo iyo urukiko rufashe umwanzuro mu mini 30 baba bamaze kwishyura uwagizweho ingaruka n’impanuka nta yandi mananiza.
Kubirebana na Joseph Habineza wigeze kuba Ministri akaba yarakoreraga RADIANT, akahava abantu batamenye icyimujyanye, Bwana Rugenera avuga ko yari umukozi usanzwe, kandi ngo iyo umukozi amasezerano arangiye ashobora guhagarika imirimo ye ngo nta byacitse y’indi yabaye hagati ya RADIANT n’uwo mukozi.
Kubirebana n’ingorane bahura nazo, avuga ko ari rusange kubera ko Covid yahungabanyije byinshi, birimo abatakaje akazi, gukora 50% n’abyo byagiye bigabanya umusaruro, ariko amasosiyeti y’ubwishingizi ngo yakomeje kubahiriza amaserano n’abakiliya babo kandi ngo bizakomeza kugeza igihe icyorezo gitsindiwe burundu.
Kubirebana n’imikorere myiza ya RADIANT, bishimangirwa kandi na Tuhairwe Kamanzi Ovia , Umuyobozi mukuru wa Radiant Yacu Ltd, uvuga ko bahisemo kwegera abaturage kugira ngo barusheho kubashishikariza gushinganisha ibyabo kugira ngo bazagobokwe mu bihe bidasanzwe kandi ngo bari kwitabira ari benshi.
Agira ati “ Muri Radiant Yacu LTD, dutanga Ubwishingizi ku nguzanyo, Ubwingizi bw’Amatungo, Ubwishingizi bw’impanuka n’ubwabanyeshyuri. Gusa icyo mwamenya ntibyakuyeho ubwishingizi bundi Radiant isanzwe itanga burimo ubwishingizi bw’ingendo, ubwikorezi, kwivuza…, byose biruzuzanya kandi turi guha abatugana Serivise nziza uko bikwiriye.”
Madame Tuhairwe Kamanzi Ovia, watangiranye na Radiant kuva igishingwa, yishimira ko ari Ikigo gikora neza gihereye ku bakozi, ku buryo uretse n’umushahara mwiza bahabwa, banoroherezwa mu ngendo no ku mafunguro igihe cyose.
Avuga ko nta mukozi ugera muri Radiant ngo atekereze kujya gukorera ahandi, ari nayo mpamvu ahamagarira abantu bose kugana Radiant kugira ngo bahabwe ubwishingizi bifuza kandi ngo bazakomeza kwakirwa neza uko bikwiriye.
Yishimira ko Radiant, ari Sosiyeti ya kabiri mu masosiyeti yose ari mu Rwanda bakora akazi kamwe ngo bikaba aribyo kwishimirwa muri iki gihe gito bamaze.
Ikigo cy’ubwishingizi cya RADIANT kimaze imyaka 8 gitanga service nziza mu bwishingizi nk’uko Ubuyobozi bwayo bubivuga.
Ni kimwe mu bigo bikora nk’ibyabo 12 akorera mu Rwanda ifite intego yogutanga service nziza kandi yihuse igira iti “Isezerano ni Isezerano.”
Marc Rugenera ni inzobere, akaba n’intaribonye muby’ubukungu na ma Banki, yanabaye kandi Ministre w’imari igihe kirekire.
Yayoboye ikitwaga SORAS cyaje guhinduka Sanlam, aho yavuye ajya gufatanya na bagenzi be 8 gushinga Radiant Insurance Company. Imaze kugera kubikorwa bishimishije, ikaba inavugwa ibigwi n’abayigana bose umunsi kuwundi.
E.Niyonkuru