
Menya ibyiza bya gahunda yacu ya Pansiyo igufasha kwiteganyiriza ejo hazaza hawe mu buryo bworoshye kandi bwizewe.
Inyungu za pansiyo yawe zibarwa hashingiwe ku gihe umaze utanga imisanzu yawe n’imyaka umaze mu kazi, igufasha kugira umutekano w’amafaranga mu gihe cy’izabukuru
Mu gihe utagishoboye gukora kubera uburwayi cyangwa impanuka bidaturutse ku kazi, wemererwa guhabwa ikiruhuko giturutse ku mpanuka cyangwa uburwayi bidaturutse ku kazi.
Abasigaye bo mu muryango b’uwari ufite ubwiteganyirize bw’izabukuru, ntibibagiranye. Abujuje ibisabwa bahabwa igice cya pansiyo y’uwitabye Imana, yaba ku buryo bw’amafaranga atangirwa rimwe cyangwa ku buryo bwa pansiyo itangwa buri kwezi, hakurikijwe amategeko abigenga.
Niba uri mu kiruhuko cy’Izabukuru, ushobora gukomeza gukoresha Ubwishingizi bw’indwara bwa RAMA. Gutanga umusanzu ungana na 7.5% bya pansiyo yawe ya buri kwezi bituma wowe n’abo n’abanyamuryango bawe bajuje ibisabwa kugira ngo bishingirwe mukomeza kwishingirwa na RAMA
Abagenerwabikorwa ku kwezi
Ikigereranyo cy’amafaranga atangwa ku kwezi nk’ubwiteganyirize
Ijanisha ry’ubwiyongere bw’ikigega cy’ubwiteganyirize
Menya niba wujuje ibisabwa kugira ngo utangire gutanga umusanzu muri iyi gahunda iguha iby’ingenzi kandi utangire kuzigamira ejo hazaza hawe uyu munsi.
Uremerewe niba uri umukozi ugengwa na sitati rusange igenga abakozi ba Leta, cyangwa umukozi w’inzego za Leta zifite sitati zihariye.
Umukozi ukora imirimo ya politiki woherejwe n’igihugu cye mu Rwanda, aremerewe hatitawe ku bwenegihugu.
Abakozi boherejwe n’imiryango mpuzamahanga yo hanze gukora mu Rwanda, bakomeza gukurikiza gahunda y’ubwiteganyirize y’icyo gihugu baturutsemo, igihe inshingano zabo zitarenze amezi 12, hashingiwe ku masezerano mpuzamahanga yemejwe n’u Rwanda.
Abakozi boherejwe gukora mu Rwanda n’amasosiyete mpuzamahanga bakomeza gukurikiza na gahunda y’ubwiteganyirize y’amasosiyete yabo, iyo igihe bazakorera mu Rwanda kitarenze amezi 12.
Abantu ku giti cyabo bashobora gutanga ubwiteganyirize bw'izabukuru ku bushake aho bashobora kwiyandikisha ubwabo bakiyishyurira umusanzu usabwa, akenshi ungana na 6% y’umushahara.
Saba ibyo wemererwa nk’umuntu uri mu kiruhuko cy’izabukuru mu buryo bworoshye ubyikoreye intambwe ku yindi
Ugomba kuba waragejeje ku myaka yemewe yo kujya mu kiruhuko cy’izabukuru (akenshi ni imyaka 60) kandi waratanze imisanzu mu gihe giteganywa n’amategeko.
Ugomba kugaragaza indakarita ndangamuntu yemewe cyangwa pasiporo kugira ngo hemezwe umwirondoro wawe hanasuzumwe ibyo wemerewe guhabwa nk’umuntu uri mu kiruhuko cy’izabukuru.
Ugomba gutanga nimero ya konti ya banki yanditse mu mazina yawe kugira ngo ijye inyuzwaho amafaranga y’ikiruhuko cy’izabukuru (pansiyo).
Ugomba gutanga ibaruwa itangwa n’umukoresha wawe yemeza ko wasezerewe ku mirimo yawe cyangwa ko wagiye mu kiruhuko cy’izabukuru.
Usabwa gutanga icyemezo cy’uko uriho kiboneka binyuze ku Irembo, kugira ngo hemezwe ko usaba amafaranga y’ikiruhuko cy’izabukuru ari umuntu uri ho.
Ugomba kuba ufite icyemezo gitangwa na muganga ubifitiye ububasha kigaragaza ko ufite ubumuga buhoraho cyangwa buzamara igihe kirekire ku buryo bikubuza gukomeza gukora akazi
Usabwa kugaragaza nimero y’indakarita ndangamuntu yemewe cyangwa pasiporo kugira ngo hemezwe umwirondoro wawe hasuzumwe niba wemerewe guhabwa ibyo wemererwa nk’umuntu uri mu kiruhuko cy’izabukuru.
Ugomba gutanga nimero ya konti ya banki yanditse mu mazina yawe kugira ngo amafaranga y’ikiruhuko cy’izabukuru (pansiyo).
Ugomba gutanga raporo y’ubuvuzi wahawe itanzwe n’ivuriro ryemewe, yemejwe n’umuganga igaragaza ubwoko n’urwego rw’ubumuga ufite.
Usabwa gutanga icyemezo cy’uko uriho kiboneka binyuze ku Irembo, kugira ngo hemezwe ko usaba amafaranga y’ikiruhuko cy’izabukuru ari umuntu uri ho
Ugomba kugaragaza inyandiko igaragaza ko utagishoboye gukomeza gukora, ishobora kuba nk’inyandiko itangwa n’umukoresha igaragaza imikorere yawe cyangwa igaragaza ko wasezerewe ku kazi ku mpamvu z’uburwayi.
Usabwa gutanga icyemezo cyatanzwe binyuze kuri Irembo cyerekana ko uwari umunyamuryango wa pansiyo yitabye Imana.
Usabwa gutanga nimero y’ikarita ndangamuntu cyangwa pasiporo yemewe kugira ngo hemezwe umwirondoro wawe n’uburenganzira bwawe bwo guhabwa inyungu za pansiyo.
Usabwa gutanga amakuru ya konti yawe ya banki yanditse mu mazina yawe, ari na yo amafaranga azajya yoherezwaho.
Usabwa gutanga inyandiko zemeza isano ufitanye n’uwapfuye yaratangirwaga pansiyo, nk’icyemezo cy’ishyingiranwa, icyemezo cy’amavuko ku bana, icyemezo cy’uburera ku bo yareraga byemewe n’amategeko, cyangwa indi nyandiko yemewe n’amategeko igaragaza isano.
Usabwa gutanga nimero y’indangamuntu cyangwa nimero ya RSSB y’uwari umunyamuryango wa pansiyo wapfuye, kugira ngo hagenzurwe umwirondoro we
Ku bana bakiri ku ishuri, hagomba gutangwa icyemezo cyatanzwe n’ikigo cy’amashuri bigaho kugira ngo hemezwe ko bakiri abanyeshuri.
Iyi gahunda igenewe abantu bose bifuza kwizigamira amafaranga y’ikiruhuko cy’izabukuru ku bushake, harimo n’abatari muri gahunda z’ubwiteganyirize bwa pansiyo bw’itegeko
Usabwa gutanga nimero y’ikarita ndangamuntu yawe cyangwa pasiporo yemewe kugira ngo wiyandikishe kandi ucunge konti yawe y’ubwizigame bwa pansiyo itangwa ku bushake
Usabwa gushyiraho umubare w’amafaranga ushaka kujya utanga buri kwezi. Ufite uburenganzira bwo kwihitiramo ingano y’umusanzyu kandi ushobora kuyihindura igihe icyo ari cyo cyose bitewe n’ubushobozi bwawe.

Dufite ibisubizo ukeneye, mu buryo busobanutse kandi bufasha.
Imisanzu itangwa kuri RSSB ingana na 15% by’umushahara fatizo w’umukozi. Abakozi bose bakorera mu Rwanda mu kazi gasanzwe basabwa gutanga umusanzu muri gahunda ya RSSB y’ubwiteganyirize bw’izabukuru. Iyi misanzu itangwa n'umukozi ndetse n'umukoresha aho umukoresha atanga ijanisha rya 7.5% n'umukozi agakatwa 7.5% ku mushahara we.
Abikorera ku giti cyabo ndetse n’abantu ku giti cyabo bifuza gutanga imisanzu ku bushake na bo bashobora kwinjira muri gahunda y’ubu bwiteganyirize ku bushake.
Ushobora gusaba pansiyo ukoresheje urubuga rwa RSSB rw’abanyamuryango (Imisanzu) wohereza ubusabe bwawe mu buryo bw’ikoranabuhanga. Ushobora kandi gusura ishami rya RSSB rikwegereye niba ukeneye ubufasha.
Imyaka yemewe n’amategeko yo kujya mu kiruhuko cy’izabukuru mu Rwanda ni imyaka 60, ku muntu wujuje ibisabwa bijyanye n’imisanzu y’ubwiteganyirize bwa pansiyo.
Abanyamuryango bashobora kureba uko imisanzu yabo itangwa binyuze ku rubuga rwa RSSB (Imisanzu) cyangwa bagasaba icyemezo kigaragaza imisanzu yabo mu biro bya RSSB.
Muri rusange, imisanzu ya pansiyo irabikwa kugeza igihe cyo kujya mu kiruhuko cy’izabukuru. Icyakora, ku mpamvu zimwe na zimwe nk’ubumuga buhoraho cyangwa kwimukira mu kindi gihugu, hashobora kubaho kubikuza amafaranga yose y’izabukuru icyarimwe hakurikijwe amategeko ya RSSB.
Imisanzu yawe ikomeza kubikwa kuri nimero yawe ya RSSB. Iyo ubonye undi mukoresha, imisanzu ikomeza gutangwa kuri konti imwe
Iyo uwatanze imisanzu apfuye, abamukomokaho bemerewe n’amategeko nk’umugore/umugabo cyangwa abana bashobora guhabwa inyungu z’abasigire hakurikijwe amategeko ya pansiyo.
Abanyamuryango bashobora kuvugurura amakuru yabo nk’imibare ya telefoni, amakuru ya konti ya banki n’andi makuru anyuze ku rubuga rwa RSSB cyangwa bagasura ishami rya RSSB.
Yego. Abikorera ku giti cyabo bashobora kwiyandikisha no gutanga imisanzu ku bushake muri gahunda y’ubwiteganyirize bw’izabukuru RSSB yabashyiriyeho.