Mu banyamuryango b’ubwishingizi bw’indwara harimo abakozi bose ba leta, abafata pansiyo batanze imisanze mu bwishingizi bw’indwara n’ibigo by’abikorera byakiriwe mu bwishingizi.

Imisanzu itangwa ingana ite?

Umusanzu uhabwa  RSSB uhwanye na cumi na gatanu ku ijana(15%) y’umushahara fatizo «salaire de base ». Muri ayo umukoresha atanga arindwi n’igice ku ijana (7,5%), umukozi agatanga arindwi n’igice ku ijana (7,5%).

Ikigo cy’Ubwiteganyirize mu Rwanda kishingira ibikorwa by’ubuvuzi ku bantu bari mu kiruhuko cy’izabukuru. Umukoresha niwe umenyekanisha (déclaration) umusanzu kandi akawugeza kuri RSSB. Umusanzu wa RSSB utangwa buri kwezi bitarenze italiki ya 10 y’ukwezi gukurikira ukwezi kwishyurirwa.


Ibikorwa by’ubuvuzi byishingirwa ni ibihe?

Uruhare rw’uwivuza mu kwishyura ruhwanye na 15% by’amafaranga y’ibikorwa by’ubuvuzi cyangwa imiti uwivuza yandikiwe. RSSB imwishyurira 85% by’ikiguzi cy’ubuvuzi n’imiti yandikiwe na muganga.

Ibikorwa by’ubuvuzi byishingirwa n’Ikigo cy’Ubwiteganyirize mu Rwanda:

  • Gusuzumwa;
  • Kubagwa;
  • Kuvurwa amenyo;
  • Kunyuzwa mu byuma bifata amafoto;
  • Ibizamini bya laboratwari;
  • Ibikorwa byo kunanura imitsi;
  • Ibikorwa by’abaforomo;
  • Amafaranga y’ibitaro cyangwa kuvurirwa     mu bitaro;
  • Guhabwa imiti;
  • Gukurikiranwa no kuvurwa k’umugore utwite, kubyara n’inkurikizi zabyo.
  • Indorerwamo z’amaso;
  • Insimburangingo n’inyunganirangingo;
  • Isuzuma rigamije kumenya uko buzima bwawe buhagaze (Medical check up);

 

Iri suzuma rigamije kumenya uko uhagaze (Medical check up) rikorerwa abagore bagejeje ku myaka 35 y’amavuko gusubiza hejuru  n’abagabo bafite kuva ku myaka 40 y’amavuko gusubiza hejuru. RSSB yishingira ibikorwa byose by’ubuvuzi bikorerwa ku butaka bw’u Rwanda. Serivisi zo kuvura zishyurwa na RSSB mu gihe ikigo cy’ubuvuzi cyagiranye na RSSB amasezerano.

Ibikorwa by’ubuvuzi n’imiti bihabwa abanyamuryango bigenwa na MINISANTE ifatanyije na RSSB.

Ni gute ibigo byigenga bishobora gufata ubu bwishingizi?

Kugirango ikigo kigenga kibone ubu bwishingizi bw’indwara butangwa na RSSB cyuzuza ibi bikurikira:

  • Ibaruwa isaba yandikiwe Umuyobozi Mukuru wa RSSB
  • Urupapuro rwerekana imiterere y’imishahara y’abakozi bose (Grille salariale), rugaragaza umushahara mbumbe, umushahara fatizo, inyongera ku mushahara n’amafaranga akatwa umukozi kandi ateganywa n’itegeko;
  • Icyemezo cyerekana uko utanga imisoro muri RRA (PAYE)
  • Impapuro zuzuzwa kuri buri mukozi usaba ubwishingizi bw’indwara, ziriho umukono w’umukozi n’umukoresha n’amafoto n’ibyemezo by’abo yishingira bemewe n’amategeko
  • Icyemezo cyerekana ko ikigo cyiyandikishije mu kigo cy’Ubwiteganyirize (ishami rya pansiyo n’iry’ibyago bikomoka ku kazi) na nimero y’iyandikwa ya buri mukozi;
  • Icyemezo cy’uko nta mwenda ufitiye Ikigo cy’Ubwiteganyirize mu Rwanda (RSSB) mu ishami rya pansiyo n’iry’ibyago bikomoka ku kazi;
  • Igitabo cy’ubucuruzi (registre de commerce) ku bigo bicuruza ;
  • Icyemezo cy’uko ikigo cyiyandikishije muri RDB ku bigo bikorera mu Rwanda ;
  • Icyemezo gitanga uburenganzira bwo gukorera  mu Rwanda  ku miryango itegamiye kuri Leta (ONG) gitangwa na MINALOC
  • Icyemezo cy’uko wiyandikishije nka koperative gitangwa na RCA
  • Icyemezo n’uruhushya byo gukora ibikorwa by’ubuvuzi gitangwa na RBC na Minisiteri y’ubuzima
  • Icyemezo gitanga uburenganzira bwo gukora ku bigo by’imari biciriritse gitangwa na Banki Nkuru y’u Rwanda (BNR) ;
  • Icyemezo gitanga uburenganzira bwo gutangiza amashuri mato n’ayisumbuye gitangwa na Minisiteri y’uburezi (MINEDUC) ;
  • Uburenganzira bwo gukora imirimo y’itangazamakuru butangwa n’Inama Nkuru y’Itangazamakuru ‘Media High Council
  • Icyemezo cy’uko wiyandikishije ku miryango mpuzamahanga itegamiye kuri Leta gitangwa n’ikigo gishinzwe abinjira n’abasohoka mu Rwanda ;
  • Icyemezo gitanga ubuzima gatozi ku ishyirahamwe cyangwa icyemezo cy’agateganyo gitangwa n’Ikigo cy’Igihugu gishinzwe Imiyoborere (RGB)  igihe ishyirahamwe ritarabona ubuzima gatozi ;
  • Kugaragaza umubare w’abantu buri mukozi yakwishingira (uwo bashakanye, abana babo n’abo barera  mu buryo bwemewe n’amategeko) ;
  • Kuba nibura ikigo gisaba gifite abakozi barindwi (7)

Icyitonderwa:

  • Ikigo gisaba kujya mu bwishingizi butangwa na RSSB kigomba gusabira no kwishyurira ubwishingizi abakozi bose bacyo;
  • Umugore n’umugabo bose bakorera mu bigo biri mu bwishingizi bw’indwara butangwa na RSSB buri wese agomba gutanga umusanzu we;
  • Igihe ikigo cyasabye cyemerewe kikabimenyeshwa mu nyandiko, kigomba guhita kimenyekanisha kandi kigatanga imisanzu y’abakozi bose ukwezi gukurikira italiki cyabimenyesherejweho;
  • Gutanga imisanzu utaremererwa kujya muri iri shami ry’ubwishingizi ntibyongera amahirwe yo kwemererwa igihe utujuje ibyangombwa kandi imisanzu wishyuye igihe ubusabe bwawe butaremerwa ntasubizwa; niyo mpamvu umukoresha asabwa gutegereza ko amenyeshwa mu nyandiko ko yemerewe.
  • Iyo dosiye imaze gusuzumwa ikemerwa, ikigo cyasabye kibona ibaruwa icyemerera.

Ubwiteganyirize bwa pansiyo

Ubwiteganyirize bwa pansiyo bugamije ibikurikira:

  • gutabara umukozi washaje atagishoboye gukorera umushahara cyangwa wamugaye atagishoboye kubeshwaho n’akazi;
  • gutabara abari batunzwe n’umukozi iyo amaze gupfa;

Ibigenerwa abiteganyirije bitangwa n’ishami rya pansiyo bigabanyijwemo ibyiciro bibiri:

  • Ibihabwa uwiteganyirije ashaje cyangwa amugaye;
  • Ibihabwa abasizwe n’uwiteganyirije igihe yitabye Imana;

Kwiyandikisha mu bagenerwa amafaranga ya pansiyo ni itegeko ku bantu ku giti cyabo bakurikira:

  • Abakozi bose bakorera umushahara (hatitawe ku bwenegihugu bwabo)
  • Abanyapolitiki bakiri mu kazi.

Ibipimo by’umusanzu utangwa n’umukozi n’umukoresha buri wese agatanga 3% by’umushahara mbumbe w’umukozi ubarirwaho umusanzu. Hari kandi uburyo abantu ku giti cyabo bihitiramo kwiyandikisha mu bwiteganyirize ku bushake. Ibi babigeraho basaba kwinjira mu bwiteganyirize no kwishyura 6% by’umushahara umuntu yigenera buri kwezi. Uwiteganyiriza ku bushake agomba kuba ari munsi y’imyaka mirongo ine n’itanu (45) kugira ngo yemererwe. Ku muntu wigeze kuba mu bwiteganyirize butegetswe, yemerewe gusa gusaba  kujya mu bwishingizi ku bushake mu mezi cumi n’abiri (12) nyuma y’itariki ubwishingizi (ubwiteganyirize butegetswe bwarangiriye. Mu bwishingizi (bwiteganyirize) ku bushake, umushahara umenyekanishwa  ugomba nibura kuba utari munsi y’umushahara w’ukwezi utari munsi y’igipimo ntagibwa munsi cya 104.000 Frw.

Ubwoko bw’ibigenerwa uwiteganyirije 

  • Pansiyo y’izabukuru
  • Pansiyo y’imburagihe
  • Pansiyo y’ubumuga
  • Alokasiyo y’izabukuru
  • Pansiyo y’abasizwe n’uwiteganyirije
  • Alokasiyo y’abasizwe n’uwiteganyirije.

Kumenyekanisha

Kumenyekanisha no kwishyura imisanzu (Ishami rya pansiyo n’iry’ibyago bikomoka ku kazi)

Kumenyekanisha imishahara bikorerwa mu Kigo cy’Imisoro n’amahoro  (RRA) hifashishijwe serivisi z’ikoranabuhanga (online services). Kwishyura bigakorerwa muri banki zitandukanyer kuri konti za RSSB cyangwa hifashishijwe serivisi z’ikoranabuhanga.

Kumenyekanisha no kwishyura imisanzu mu bwiteganyirize butegetswe bikorwa buri kwezi. Italiki ntarengwa yo kumenyekanisha no kwishyura imisanzu ni italiki 15 z’ukwezi gukurikira ukwezi kwishyurirwa imisanzu.

Bigenda bite iyo habaye ubukererwe mu kwishyura imisanzu?

Hatangwa ibihano ku bakoresha bakererwa kwishyura imisanzu mu ishami rya pansiyo n’iry’ibyago bikomoka ku mazi:

Gucibwa amafaranga y’ubukererwe: umukoresha utishyuriye igihe imisanzu y’abakozi acibwa 1.5% buri kwezi y’ubukererwe kuri lisiti y’imenyekanishamushahara yw’abakozi na 1.5% yo gutinda kwishyura imisanzu kuri banki.

Kwishyuzwa imisanzu ku ngufu – umukoresha utishyuye imisanzu ku gihe, akomea kwishyuzwa ku ngufu nk’uko amategeko abiteganya.

Ibihano

icyo gihano gitangwa iyo habuze icyemezo cyo gushyirwa mu bwiteganyirize, habuze impapuro menyekanisha mishahara, imisanzu itishyuwe mu gihe giteganijwe, amategeko ateganywa mu kumenyekanisha impanuka z’akazi atubahirijwe, imishahara yamenyekanishijwe itari yo cyangwa ari imihimbano.

Iyo bikabije, ibigenerwa uwiteganyirije mu kwishyura ikiguzi cyo kwivuza ashobora kudatangwa iyo immisanzu itishyuwe. Icyo gihe, Umuyobozi Mukuru asuzuma buri kibazo ukwacyo.

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