Serivisi zose za BPN mu nyubako imwe

Presentation on theme: "Serivisi zose za BPN mu nyubako imwe"— Presentation transcript

1 1 Ibirimo - Serivisi zose za BPN m
1 Ibirimo - Serivisi zose za BPN mu nyubako imwe - Amahugurwa ya BPN ateganijwe - Umusoro mu iterambere rya bizinesi - Ubuhamya bw‘abitabiriye amahugurwa ya BPN Nr. 2/ 2015 Ku burwiyemezamirimo buhamye mu Rwanda K wagura ibikorwa, bizinesi, bituruka ku gukora cyane kandi ukagera kuri byinshi. Ibi ninako bimeze ku kigo cya BPN Rwanda; turatera imbere tudasize na ba rwiyemezamirimo dukorana. Kuva ku munsi wa mbere BPN itangira gukorera mu Rwanda, dutekereza kuri ba rwiyemezamirimo, tukabarota kandi ibikorwa byacu byose nibo bigenewe. Ibi kandi ntituzabireka igihe cyose BPN Rwanda izaba ikiriho. Muri uru rugendo rungana n’imyaka itatu n’igice tumaze, twageze ku musaruro ushimishije cyane. Ntitwabigezeho twenyine, ahubwo twabikoranye namwe, ba rwiyemezamirimo. Kubw’umuhate wanyu n’icyizere mwagiriye gahunda zacu, twabashije guteza imbere BPN kugera ku rwego iriho ubu. BPN Rwanda ikomeje kwaguka, bikagaragarira ku mubare w’abitabira gahunda zayo, umubare w’amahugurwa atangwa buri mwaka, amaremare cyangwa amato n’ibindi. Icyatumye iterambere rya BPN Rwanda rishoboka ni uko ba rwiyemezamirimo benshi mu Rwanda baje gusobanukirwa itandukaniro riri hagati ya kuba rwiyemezamirimo mwiza no kuba rwiyemezamirimo w’intangarugero. Erega kandi, abo bifuza kuba intangarugero nibo bahisemo gushora imari muri Nadine N. Ishimwe Ibikorwa n‘Imali BPN Rwanda bizinesi zabo, bagana gahunda ya BPN, maze bigishwa ibintu bitandukanye ku kwihangira imirimo. Mu rugendo BPN Rwanda irimo, iki ni cyo gihe cyo gutera intambwe ikomeye ikurikiyeho. Icyo twifuza, mu gihe kiri imbere, ni ukurushaho kubegera mwebwe ba rwiyemezamirimo bacu tugafatanyiriza hamwe kwishimira ibyiza tugeraho no gukuraho inzitizi duhura nazo. Tumaze igihe dutekereza icyo twakora kugira ngo iki cyerekezo kigerweho. Ni iki twakora kugira ngo turusheho kunoza serivisi tubaha? Mu gushakira igisubizo iki kibazo, twahisemo guhuriza serivisi zacu ahantu hamwe. Mu minsi ya vuba serivisi zacu zose, amahugurwa maremare, amato, iherekeza, guhuriza hamwe ba rwiyemezamirimo n’ibindi, bizajya bi- korerwa ku biro byacu ku Kacyiru. Kuri ubu, icyumba cy’inama cyagutse kirimo kwubakwa. Ba Rwiyemezamirimo bo mu Rwanda, ntimucikwe, iki ni igihe cyanyu! Ibiro byacu si byo twicaramo tukiruhukira gusa. Byubakiwe kandi by�

2 �umwihariko bigenewe gusa kudufasha mu
�umwihariko bigenewe gusa kudufasha mu kubakira. Ese wifuza kuba ufashe akaruhuko k’igihe gito hanze ya bizinesi yawe, ukayitekerereza ukanakora imigambi yayo? Ubu ibiro byacu bifite ahazwi nk’ “Urubuga rwa ba rwiyemezamirimo” haguteganyirijwe. Serivisi zose za BPN mu nyubako imwe 2 Hagere, ushakishe amakuru ku bicuruzwa bishya ukoresheje interineti yacu inyaruka cyane ku buntu, arinako ufata ikawa cyangwa icyayi biteguye neza (kubw’amahirwe wanahasanga shokora yo mu Busuwisi). Wanakora ku mushinga mushya, ugahura n’abandi ba rwiyemezamirimo mukungurana ib- itekerezo, mukanaganira uko mwagirana imi- koranire mu bucuruzi. Hari umukozi wa BPN uba ari hafi aho, yiteguye kubafasha igihe cyose bikenewe. BPN Rwanda ibereyeho kugufasha. Icyo usabwa gusa ni ukurira iyo ndege igana ku burwiyemezami- rimo buhamye mu Rwanda . Ibiro byacu biherereye ku Kacyiru, ku muhanda w’ amabuye uri munsi ya Ambasade y’Abanyamerika kuri KG 684 Agahanda ka 37. Nawe ngwino, mwese murararitswe! Amahugurwa ya BPN ateganijwe Imicungire y‘igihe 22.10.15 - 23.10.15 Kigali Aho azabera : BPN Business Academy Uhugura : Hans Wilhelm Genga igihe aho kugengwa nacyo. Muri aya mahugurwa, hatangwa ubumenyi bw‘ibanze ku bahugurwa bakanafashwa kwiga uko bagena imirimo yihutirwa kurusha indi ku buryo buhamye. Bityo rero kugena umunsi w‘akazi biranozwa, bigahuzwa kandi n‘intego z‘umwaka, iz‘ukwezi n‘iz‘icyumweru. Ibizigirwamo: gukora neza mu gihe hariho jugujugu, igitutu, ibitateganijwe, kugena tekiniki zihariye z‘imikorere no gukoresha ibikoresho binoze byo gucunga igihe. Mu mahugurwa kandi, buri wese ategura gahunda y‘ibikorwa ye bwite bikamufasha gushyira mu ngiro ubumenyi yungutse. Buri kigo kigera ku ntego kinyura mu mishinga, kibizi cg kitabizi. Ikinyuranyo ni kimwe gusa, wenda iyo mishinga yateguwe ku buryo bunoze kandi igashyirwa mu bikorwa kugirango intsinzi igerweho cg niba ititabwaho n’ubuyobozi hanyuma ikazimirira mu bikorwa bya buri munsi. Aya mahugurwa aguha amahirwe yo kwiga ingamba n’ibikoresho bikenewe mu guteza imbere ikigo. Abayitabiriye biga iby’ibanze mu micungire y’umushinga. Bikubiyemo uburyo bwo gushyira mu bikorwa umushinga n’ibikoresho byifashishwa n’umuyobozi w’umushinga. Kuyobora umushinga 28.10.15 - 30.10.15 Kiga

3 li Aho azabera : BPN Business Acade
li Aho azabera : BPN Business Academy Uhugura : Hans Wilhelm 3 B a rwiyamezamirimo benshi bakunze gutangira imishinga y’ubucuruzi (Good or Services) ariko ntibibuke ko hari n’inshingano ikomeye bafite yo gutanga umusoro . Amategeko agenga Imisoro n’Amahoro mu Rwanda ateganya ko umuntu wese ufite bizinesi asabwa kuyandikisha muri RDB - RRA, mu gihe kita- renze iminsi irindwi ayitangiye. Ibi bikajyanirana n’ibi- hano mu gihe ayo mategeko atubahirijwe. Imwe mu ngaruka zikunze kugera kuri ba rwiyemezami- rimo iyo batandikishije ibikorwa byabo mu gihe giteganywa n’itegeko, harimo nk’igihombo kigara- gara nyuma yo gukorerwa igenzura (audit) n’aba- bishinzwe b’Ikigo cy’Imisoro n’Amahoro. Umusoro utaramenyekanishijwe ucibwa ibihano bingana na 70% cy’uwagombaga kwishyurwa hakaniyonge- raho 1.5% z’inyungu z’ubukererwe za buri kwezi. Akenshi rero ba rwiye - mezamirimo ntibazigamira ibigo byabo. Nk’iyo bahawe ibyo bihano, usanga bibaviramo guhomba n’imitungo yabo ikaba yagu- rishwa kugirango hishyurwe umusoro wanyerejwe. Mu rwego rwo kwirinda izi ngaruka zose, turabagira inama yo kubahiriza amategeko yose agenga bizinesi mu Rwanda, cyane kumenya imisoro ubwo - ko bw’imisoro ukwiye kwishyura kandi mu kihe gihe. Ubu biroroshye kuko Ikigo cy’Imisoro n’Amahoro cyateguriye imfashanyigisho abantu bose bafite za bizinesi, wahabwa ubusobanuro buhagije wiger- eyeyo. Ikindi kandi, hariho n’urugaga rw’abungani- ra abantu mu by’imisoro (Tax Advisors), bemewe n’icyo kigo (RRA). Kuri buri bizinesi habaho ibihe yunguka cyangwa ibihe igiramo igihombo. Ibyo bihe byombi rero, bi- ba bigomba kumenyekanishwa mu kigo cy’imisoro n’amahoro (RRA) bitarenze ku ya 31/03 buri mwaka. Ibi ariko birareba abakora ibikorwa byinjiza igicuruzo kingana cyangwa kiruta miriyoni 50, ku mwaka. Na- ho abakora ibikorwa biciriritse byinjiza igicuruzo kiri munsi ya miriyoni 50 ku mwaka, bamenyekanisha umusoro ucishirije (forfait) ungana na 3% y’igicuruzo cy’umwaka. Mu ncamake, imisoro imenyekanishwa ni iyi ikurikira: Umusoro ku mushahara (PAYE): umunyekanishwa buri kwezi bitarenze tariki 15, z’ukwezi gukurikira ukwo wahembeyemo abakozi; waba ufite abakozi uhemba ku kwezi cg ba nyakabyizi; Umusoro ku nyongeragaciro (VAT) : nawo umenye- kanishwa buri kwezi bitarenze tariki ya 15 z’ukwez

4 i gukurikira uko wacurujemo. Ibi bireba
i gukurikira uko wacurujemo. Ibi bireba gusa uwi- yandikishije mu bagomba kuwutanga; Umusoro ufatirwa (WHT): uyu nawo umenyekanish- wa igihe kimwe n’imisoro twavuze haruguru, ugafatirwa ku bwishyu bw’ibicuruzwa cg service zigurishijwe n’umuntu utanditse mu basoreshwa; Umusoro ku musaruro (Income Tax) w’abantu ku giti cyabo cg w’amasosiyete : uyu wo umenyekanishwa taliki 31/03 buri mwaka. Hamenyekanishwa inyungu cg igihombo cyabonetse mu mwaka uhise. Nta gihugu iyo nta misoro itangwa! C�me Nahimana Umujyanama w‘imisoro C&B Consult Ltd Umusoro mu iterambere rya bizinesi 4 Mwadusanga kuri www.bpn.rw cyangwa kuri www.bpn.rw BPN Rwanda, KG 684 Street, Kigali P.O. Box 7083 078 - 61 - 30 - 387, info@bpn.rw Ubuhamya bw‘abitabiriye amahugurwa ya BPN Immacul�e Mutamuriza, Umuyobozi akaba na Nyir‘ Isane Fruits Ltd Amahugurwa y’ Imicungire y’Imali yatumye menya uruhare mfite mu kigo cyanjye, menya n’uko natandukanya umutungo w’umuryango wanjye nuw’ikigo. Nabashije guhindura imyumvire nari maranye igihe kitari gito. Guha agaciro umukiliya wanjye ni kimwe muby’ingenzi nigiye mu mahugurwa, kuko imali y’ikigo ikomoka mu bakiliya. Jean de Dieu Uwihirwe, Umuyobozi akaba na Nyiri Heroes Primary School Amahugurwa ku Buyobozi mu kigo yanyaguye imyumvire mu kuba rwiyemezamirimo ufite intumbero. Nasobanukiwe imyi twarire ikwiriye kuranga umu - yobozi. Ntagushidikanya, ubu- menyi nungutse buzamfasha mu kugera kw’iterambere rihamye, iterambere ry’abakozi banjye, rikagera no mu bakiliya banjye ndetse no kuri buri wese ufite aho ahurira n’ikigo cyanjye. Aphrodice Mutangana , Umuyobozi akaba na Nyiri FOYO Group Ltd Amahugurwa ya BPN kw’ Ime- nyekanishabikorwa yangara- garije uburyo nyabwo nkwiye gukorana n’abakiliya ndetse nkanakemura ibyifuzo byabo mu buryo bwa kinyamwuga. Ingero n’ubuhamya nahawe muri aya mahugurwa ni kimwe mu bintera umwete mu kazi. Emmanuel Munyamahoro, Umujyanama mu bukungu SKAT Consulting Rwanda Ni mu mahugurwa y’ iImicungire y’igihe namenyeye ko igihe gi- sumbye kure amafaranga; igihe ni ubuzima. Igenamigambi ni urufunguzo rw’intsinzi muri bizinesi. Aya mahugurwa atan- ga ubumenyi bufasha ibigo guhagarara neza ku isoko, mu kugira imikorere inoze no kuba- sha kugumana abakiliya.