CEB

ANNOUNCEMENTS

         URUTONDE NTAKUKA RW’ABEMEREWE KWIYAMAMARIZA KUJYA MU NAMA NGENZUZI YA CEB    20 March 2025

   ITANGAZO RIGENEWE ABANYAMURYANGO BA CEB/IMPINDUKA MU GUTANGA INGUZANYO    25 JUNE 2024

ITANGAZO RIGENEWE ABANYAMURYANGO BAKENERA SERIVISI KU ISHAMI RYA CEB I KIGALI    28 FEB 2024

About Us

Being the best Tontine in RWANDA

Our Mission is to collect and manage the monthly contributions of our members and return them in form of loans to promote the socio-economic interests of our members.

Caisse d'Entraide de BUTARE(CEB) has been created in 1978 and we are a savings tontine based on the mutuality of the members of staff from UR,IRST/NIRDA,CHUB,CHUK,INMR/RCHA,CUSP, MIS UR,UR-HG Ltd,LABOPHAR/RBC.

How to Become a CEB Member

Application letter addressed to the chairperson of the BoD of CEB.
Copy of your NIC.
Proof of employment(Appointment letter or Work Contract).
Monthly Savings commitment form duly filled in and signed.
Specimen signature form duly filled in and signed.

Type of Loans

Click on Loan type for the requirements Kinyarwanda Version

1) Kuba uri umunyamuryango wa CEB kandi umaze nibura amezi 6 akurikiranye utanga ubwizigame bwawe bwa buri kwezi

2) Kwandika ibaruwa isaba igenewe Perezida w’Inama y’Ubutegetsi ya CEB.
Iyo baruwa igomba kugaragaza ibi bikurikira:

- Amazina yawe yuzuye ahuye n’ayanditse ku ndangamuntu, numero ikuranga muri CEB, telefoni/Email, numero ya konti wifuza ko izashyirwaho amafaranga ugiye kuguza, ikigo ukoramo na serivisi ubarizwamo
- Umubare w’amafaranga wifuza atarengeje ubwizigame bwawe ukubye na 2,5
- Igihe uzaba warangije kwishyura inguzanyo kitarenze amezi 72 cyangwa se kitarenga igihe cy’amasezerano y’akazi ufite (ku bakorera ku masezerano)
3) Gutanga impapuro zerekana umushahara uhembwa z’amezi 3 aheruka kandi akurikirana

4) Gutanga fotokopi y’indangamuntu yawe hamwe n’iz’abagomba kwishingira iyo nguzanyo.

Kuri fotokopi z’indangamuntu z’abishingizi bawe hagomba kuba handitseho amagambo akurikira:
Njyewe (amazina y’umwishingizi wawe) ………… nemeye kwishingira inguzanyo isanzwe ingana na Frw …………. yasabwe na (amazina yawe) ………… ………
Munsi y’ayo magambo hajyaho umukono w’umwishingizi wawe n’itariki

5) Kuzuza amasezerano y’inguzanyo isanzwe ariho umukono wawe hamwe n’imikono y’abishingizi bawe.

ICYITONDERWA

Inguzanyo isanzwe itangwa rimwe mu kwezi.

Dossiers zisaba iyo nguzanyo zigezwa ku bashinzwe inguzanyo muri CEB bitarenze itariki ya 15 y’ukwezi umunyamuryango asabamo inguzanyo. Nyuma yo kuzakira, izo dossiers zirasuzumwa, zikemezwa n’Inama y’Ubutegetsi ya CEB kuwa kabiri wa nyuma wa buri kwezi.

Umunyamuryango ushaka inguzanyo isanzwe ariko mu buryo bwihuse ayihabwa hakuwemo inyungu ya 5% y’amafaranga asaba.

Igihe kirekire gishoboka cyo kwishyura inguzanyo isanzwe ni amezi 72 (imyaka 6) .

Umunyamuryango wishyuye inguzanyo isanzwe yose yari yarahawe akoresheje banki (i.e. bank transfer), akarangiza kwishyura mbere y’igihe cyanditswe mu masezerano y’inguzanyo ategereza ukundi kwezi kose kugira ngo yemererwe gusaba no guhabwa indi nguzanyo isanzwe. Kugira ngo igihe cyo gusaba indi nguzanyo isanzwe kitamucika, umunyamuryango wifuza kwishyura mbere y’igihe cyateganyijwe abikora mbere y’itariki ya 15 y’ukwezi ashaka kwishyuriramo.

Umunyamuryango wishyuye hifashishijwe ubwizigame bwe yongera kwemererwa gusaba no guhabwa indi nguzanyo isanzwe hamwe n’iziyishamikiyeho (i.e. inguzanyo idasanzwe n’inguzanyo y’ingoboka) ari uko hashize amezi 6.

1) Kuba warafashe inguzanyo isanzwe wemerewe yose (ni ukuvuga ubwizigame bwawe ukubye na 2,5)

2) Kwandika ibaruwa isaba igenewe Perezida w’Inama y’Ubutegetsi ya CEB.
Iyo baruwa igomba kugaragaza ibi bikurikira:

   -Amazina yawe yuzuye ahuye n’ayanditse ku ndangamuntu
   -Numero ikuranga muri CEB
   -Telefoni/Email
   -Numero ya konti wifuza ko izashyirwaho amafaranga ugiye kuguza
   -Ikigo ukoramo na serivisi ubarizwamo.
   -Umubare w’amafaranga wifuza (reba hasi mu cyitonderwa uko bayabara).
3) Gutanga impapuro zerekana umushahara uhembwa z’amezi 3 aheruka kandi akurikirana
4) Gutanga fotokopi y’indangamuntu yawe hamwe n’iz’abagomba kwishingira iyo nguzanyo. Kuri fotokopi z’indangamuntu z’abishingizi bawe hagomba kuba handitseho amagambo akurikira: Njyewe (amazina y’umwishingizi wawe) …………. nemeye kwishingira inguzanyo y’ingoboka ingana na Frw ………… yasabwe na (amazina yawe) ………. …………
Munsi y’ayo magambo hajyaho umukono w’umwishingizi wawe n’itariki.
5) Gutanga icyemezo cyerekana ko wishyuye Frw 10.000 yo kwiga dossier
6) Kuzuza amasezerano y’inguzanyo y’ingoboka ariho umukono wawe hamwe n’imikono y’abishingizi bawe.

ICYITONDERWA

Uburyo bushya bwo kubara inguzanyo y’ingoboka bwashyizweho kuva kuwa 13/04/2021

Inguzanyo y’ingoboka ihwanye n’igiteranyo cy’amafaranga umunyamuryango yizigamiye mu gihe cy’amezi atandatu ashize, ukubye inshuro 6. N’ubwo bimeze gutyo, mu rwego rwo gusaranganya ubushobozi buhari, nta munyamuryango wemerewe kurenza FRW 1.500.000 mbumbe.

Umunyamuryango uhawe inguzanyo isanzwe na we yemererwa gusaba inguzanyo y’ingoboka ari uko hashize nibura amezi 3.

Umunyamuryango uhawe inguzanyo y’ingoboka asabwa kujya atanga buri kwezi ubwizigame butari munsi ya 50% by’impuzandengo (average) y’amafaranga yizigamiye mu gihe cy’amezi 6 ashize.

Iyo ubwo bwizigame butagera kuri Frw 15.000 ku kwezi, umunyamuryango asabwa kubwongera.

Inguzanyo y’ingoboka yishyurwa mu gihe inguzanyo isanzwe yari isigaje kwishyurirwamo.

Igihe umunyamuryango aje gusaba inguzanyo y’ingoboka ariko bikagaragara ko hari ibirarane afite, asabwa kubanza kwishyura ibyo birarane mbere yo guhabwa iyo nguzanyo.

1) Kuba warafashe inguzanyo isanzwe wemerewe yose (ni ukuvuga ubwizigame bwawe ukubye na 2,5)
2) Kwandika ibaruwa isaba igenewe Perezida w’Inama y’Ubutegetsi ya CEB.
Iyo baruwa igomba kugaragaza ibi bikurikira:
-Amazina yawe yuzuye ahuye n’ayanditse ku ndangamuntu,
-Numero ikuranga muri CEB,
-Telefoni/Email,
-Numero ya konti wifuza ko izashyirwaho amafaranga ugiye kuguza,
-Ikigo ukoramo na serivisi ubarizwamo
-Umubare w’amafaranga wifuza. Uyu mubare ntugomba kurenga Frw 500.000 ku mwaka
3) Gutanga impapuro zerekana umushahara uhembwa z’amezi 3 aheruka kandi akurikirana
4) Gutanga fotokopi y’indangamuntu yawe hamwe n’iz’abagomba kwishingira iyo nguzanyo. Kuri fotokopi z’indangamuntu z’abishingizi bawe hagomba kuba handitseho amagambo akurikira:
Njyewe (amazina y’umwishingizi wawe) ………… nemeye kwishingira inguzanyo idasanzwe ingana na Frw …………… yasabwe na (amazina yawe) ……… …………
Munsi y’ayo magambo hajyaho umukono w’umwishingizi wawe n’itariki.
5) Gutanga icyemezo cyerekana ko wishyuye Frw 5.000 yo kwiga dossier
6) Kuzuza amasezerano y’inguzanyo idasanzwe ariho umukono wawe hamwe n’imikono y’abishingizi bawe.

ICYITONDERWA

Inguzanyo idasanzwe yishyurwa mu gihe inguzanyo isanzwe yari ishigaje kwishyurirwamo.

Igihe umunyamuryango aje gusaba inguzanyo idasanzwe ariko bikagaragara ko hari ibirarane afite, asabwa kubanza kwishyura ibyo birarane mbere yo guhabwa iyo nguzanyo.

1) Kwandika ibaruwa isaba igenewe Perezida w’Inama y’Ubutegetsi ya CEB.
   Iyo baruwa igomba kugaragaza ibi bikurikira:
   -Amazina yawe yuzuye ahuye n’ayanditse ku ndangamuntu,
   -Numero ikuranga muri CEB,
   -Telefoni/Email,
   -Numero ya konti wifuza ko izashyirwaho amafaranga ugiye kuguza,
   -Ikigo ukoramo na serivisi ubarizwamo.
   -Umubare w’amafaranga wifuza atarenze Frw 1.050.000 kandi wumva uzabasha kwishyura mu gihe kitarenze amezi 3.
2) Gutanga impapuro zerekana umushahara uhembwa z’amezi 3 aheruka kandi akurikirana
3) Gutanga fotokopi y’indangamuntu yawe hamwe n’iz’abagomba kwishingira iyo nguzanyo.
Kuri fotokopi z’indangamuntu z’abishingizi bawe hagomba kuba handitseho amagambo akurikira:
Njyewe (amazina y’umwishingizi) ………… ……… nemeye kwishingira ‘Emergency loan’ ingana na Frw ………… yasabwe na (amazina yawe) …………. ……… …… Munsi y’ayo magambo hajyaho umukono w’umwishingizi wawe n’itariki.
4) Gutanga icyemezo cyerekana ko wishyuye Frw 5.000 yo kwiga dossier.
5) Kuzuza amasezerano y’inguzanyo (Emergency loan) ariho umukono wawe hamwe n’imikono y’abishingizi bawe.

ICYITONDERWA

Emergency loan ibarwa kandi ikishyurwa ukwayo; ntikomatanywa n’izindi nguzanyo CEB itanga kandi si ngombwa ko umunyamuryango ayisaba yarabanje gusaba izindi nguzanyo.

Emergency loan ishobora gusabwa no gutangwa mbere y’uko umunyamuryango yuzuza amezi 6 ari muri CEB.