Enkola ya Stanbic Business Incubator esobozesa abakyala abasuubuzi okumalayo obusobozi bwabwe nga ba nnannyini bizinesi
Huddah Tamale si mupya mu kukyusa mu bizinesi. Bwe yatandika bizinesi ye mu 2015, yalowooza nti ajja kufuna ssente mu kutunda kkeeki. Okusobola okusikiriza abaguzi abapya, yatandika okubaweerako amajaani g’obutonde. Wabula, amangu ddala yakizuula nti amajaani ge gaali gasinga okumucamuukiriza. Bwe yategeera ky’asinga okwagala, yakyusa enteekateeka ze n’asalawo okwemalira mu kutunda amajaani.
Omuggalo gwa COVID-19 bwe gwatandika, Tamale yeesanga nga yeetaaga okukyusa mu bizinesi ye eya Nash Royal Teanate. Mu nkola eya tonsemberera, yali alina okwesigama ennyo ku nkola ey’okunoonyeza akatale ku mutimbagano. Kya mukisa nti yali amaze okufuna obukugu obw’enjawulo ng’ayita mu Stanbic Business Incubator.
We twogerera, mu nteekateeka za bizinesi ye yateekamu n’engeri gy’ayinza okutundira ebintu ku mutimbagano ate n’afuba okwekuumirako ekimuyambyeko okuyita mu nnawookeera. Eri abakyala abasuubuzi abali mu kulwanagana n’embeera, akkaatiriza obulungi obuli mu kukolera ku mutimbagano. “bw’oba teweekuumira ku mutimbagano olwaleero, kyenkana obeera nga atali mu bizinesi” bwatyo bwe yalabudde.
Abakyala abasuubuzi mu Uganda wamu n’ensi yonna okutwalira awamu babadde balina okusisinkana enkyukakyuka ey’omuggundu mu nkola y’emirimu olw’okuba nti ate babadde balina okulabirira abaana oluvannyuma lw’amasomero okuggalwawo. Ne mu mbeera eya bulijjo abakyala abasuubuzi basisinkana emiziziko egimanyiddwa mingi era egibalemesa okumalayo obusobozi bwabwe. Abaami bo kibabeerera kyangu okufuna amawulire amatuufu, okutendekebwa wamu n’okulungamizibwa ku ngeri gye bayinza okukwataganamu n’ebitongole ebiyamba ku by’ensimbi n’okukola enteekateeka ennungamu kwe batambuliza bizinesi zaabwe.
Ng’eyita mu nkola eziyamba okukulaakulanya bizinesi, okutendekebwa, okuzimba enjegere wamu n’okuwa amagezi, Stanbic Bizinesi Incubator etondawo embeera esobozesa abasuubuzi okukuuma wamu n’okukuza bizinesi zaabwe. Enkola eno era ewa abagyetabyemu omukisa ogw’okusisinkana ba kafulu mu bintu eby’enjawulo wamu n’okufuna obutale nga kwotadde n’okuyambibwa mu by’ensimbi. Okwegatta mu nkola ya Stanbic Bizinesi Incubator, abakyala abasuubuzi kibasobozesa okufuna emikisa ate oluusi gye batandifunye.
“Abakyala abasuubuzi kya muwendo nnyo eri eggwanga lyaffe. Nga tusinziira ku misomo egitegekeddwa, tukizudde nti abakyala bakola kya maanyi ku ngeri ebitongole gye biddukanyizibwamu wamu n’engeri ebitongole gye biyimirizibwawo okumala ebbanga eddene. Okwewaayo kwaffe eri okuyamba abakyala naddala abasuubuzi kye kimu bintu bye tutasobola kusuula muguluka. Okumala ebbanga eddene, twasalawo okuba n’enteekateeka ey’enjawulo eri abakyala abasuubuzi okubasobozesa okwetaba wamu n’okuganyulwa mu kutendekebwa okutegekebwa. N’olwekyo okwewayo kwaffe tekugendererwamu kuyamba muntu omu; wabula abakyala bangi babadde kitundu ku lugero luno naddala bwe kyamala okuzuulwa nti omuggalo gwa covid gwali gugenda kukosa bizinesi nnyinji okumala ebbanga ggwanvu. “Twekakasa nti tusobola okukolagana n’abakyala abasuubuzi bangi ne tubasobozesa okutuukiriza ebirooto byabwe” Bwatyo Tony Otoa akulembera Stanbic Business Incubator Limited bwe yagambye.
Bwe yawulira ku nkola ya bizinesi incubator okuva ku mukwano gwe, Rachel Lubega yali amaze emyaka 18 ng’addukanya bizinesi eteekateeka emikolo, Quality Management Services LTD era nga y’omu ku bannyini yo. Naye wadde nga yali abadde mu bizinesi okumala ebbanga ddene, yali akkiriza nti wakyaliwo obusobozi bw’okugikulaakulanya. “nnawulira nga nkyamuukiridde kubanga njagala nnyo okuyiga, okufuna okutendekebwa wamu n’okufuna obukugu obupya” bwatyo bwe yagambye.
Ng’ekitundu ku kutendekebwa, yeegatta ku kibinja ky’abakola obuweereza obwo abalala era nga muno mwalimu ne b’avuganya nabo. Bwe baatandika okuzimba enjegere wamu n’okubeera awamu, yatandika okutunuulira abamuvuganya ng’abantu b’asobola okukola nabo emirimu. “Twatandika n’okufunira awamu emirimu. Kyali kiyitirivu okusobola okugunjaawo enkolagana ey’engeri eyo n’abatuvuganya.” Bwatyo bwe yayongerako.
Teyakoma ku kutondawo mikisa gya kufuna mirimu gyokka ng’ayita mu kuzimba enjegere, yeeyongera n’okukuguka mu kwekkaanya eby’enfuna, okukuuma ebitabo wamu n’okunoonyeza akatale ku mutimbagano. Ku lw’obulungi bw’omulimu gwe, bye yali ayize naye yasalawo okubisomesa abakozi be.
Okufaananako nga Tamale, Lubega naye yazuula omugaso ogw’enjawulo mu misomo egiyigiriza okunoonyeza akatale ku mutimbagano. “Mu kiseera ekyo twali tulina website naye nga tekozesebwa kiryawo. Naye kati mmanyi omugaso gw’okubeera ne website ekola.” Yayongeddeko nti okussa mu nkola obukodyo bw’okuddukanyiza emirimu ku mutimbagano wamu n’okwekuumirako kikoze enjawulo ya maanyi nnyo mu bizinesi ye mu kiseera kya nnawookeera.
Nga zi bizinesi okwetooloola eggwanga zikyusa mu nkola zaazo, ne Stanbic Bizinesi Incubator tesigadde mabega. “Tubadde tuteekeddwa okuddamu okulowooza ku nkola yaffe era bwe tutyo ne twesulubabba enkola y’okusomeseza mu bibiina ne tutandika okuteeka emisomo gyaffe ku mutimbagano,” Otoa bwatyo bwe yagambye. Yayongeddeko nti enkola eno yawadde abasuubuzi essuubi olw’engeri gye balina obwetaavu okumanya ku bintu eby’enjawulo omuli okuddukanya eby’enfuna, obukulembeze n’ebirala ebisobola okuyamba bizinesi okuyimirirawo mu kiseera ng’eby’enfuna bigootaanye.
Abeetabyemu nakati basobola okuzimba enkolagana mu bbanguliro newankubadde nga basomera ku mutimbagano.
“Beeyanjula ku ntandikwa ya buli musomo era ne baweebwa n’omukisa okunnyonnyola ebikwata ku bizinesi zaabwe, bannyonnyolagana bye bayiseemu era ne bawangana endagiriro,” bwatyo Nadia Ayaa bwe yagambe, ono y’akwanaganya enkola ya Stanbic Business Incubator Limited.
Okukyusa enkola okuva ku kutuula mu kibiina okudda mu kusomera ku mutimbagano kwongera okuyambako abakyala abasuubuzi olwokuba kibanguyiza ku kutemaatema obudde obw’okutuukiriza obuvunaanyizibwa bw’awaka ate n’eby’emirimu. Mu kifo ky’okugenda mu kibiina, basobola okwetaba mu kutendekebwa nga basinziira mu maka gaabwe oba mu ofiisi.
Okumanya ebisingawo ku Stanbic Business Incubator Limited, kuba ku ssimu
0312 226 700
The Stanbic Business Incubator enables women entrepreneurs to reach their full potential as business owners
Photos by Blaire Davis Mugume
Hudah Tamale is no stranger to pivoting. When she began her business in 2015, she thought she could make money selling cakes. To attract new customers, she started offering herbal teas as a marketing strategy. However, she soon found herself becoming more excited over her tea products. After recognizing where her true passion lay, she shifted her business strategy and started focusing entirely on selling tea.
When the COVID-19 lockdown began, Tamale found herself needing to pivot her business, Nash Royal Tea, again. With social distancing measures in place, she needed to rely more heavily on digital marketing strategies. Luckily, she had already learned many of the skills that she would need through the Stanbic Business Incubator.
Today, she has a digital marketing strategy incorporated into her business plans and maintains an active online presence that has helped her through the pandemic. For women entrepreneurs struggling, she stresses the importance of digitizing. “If you don’t have an online presence right now, you are almost nonexistent in business right now,” she warned.
Women entrepreneurs in Uganda and worldwide have had to face a rapidly changing business environment while still taking care of their children full-time once the schools closed. Even in regular times, women entrepreneurs face well-documented barriers that prevent them from reaching their full potential. Men are more likely to have the right information, training, and guidance to inform their dealings with financial institutions and plan effectively for their businesses in the long-term.
Through business development services, training, networking events, and mentoring, the Stanbic Business Incubator offers an enabling ecosystem for entrepreneurs to protect and grow their businesses. The incubator also provides participants with opportunities to engage with subject matter experts and access markets and finance. By joining the Stanbic Business Incubator, women entrepreneurs can take advantage of opportunities that they may have not otherwise had.
“Women entrepreneurs are a great resource to this country from our training we have come to realize that women play a very vital role in how enterprises are run and how enterprises are actually sustained over long period of time. Our commitment to the support of women especially the women entrepreneurs is one that we cannot deviate from. we have for a long time decided to have quota set for women entrepreneurs to be able to see them participate and enjoy the benefits of our training program. our commitment therefore is not a one of one off intervention. Many women have been part of this whole story especially after the realization that the lockdown or covid was going to impact on many businesses for a long time. we’re certain that we can be very much in partnership with a lot of women entrepreneurs to scale them to fir their dreams.” said Tony Otoa, Executive Director, Stanbic Business Incubator Limited.
Meet Rachel Lubega
When she heard about the incubator from a friend, Rachel Lubega had already co-owned her corporate event business, Quality Management Services LTD, for 18 years. However, despite the longevity of her business, she believed she still had room to grow. “I felt excited because I love learning, getting training, and gaining new skills,” she said.
As part of the training, she joined a cohort of service providers that included some of her competitors. Through networking and personal bonding, she began to see her competition as potential business partner. “We even were able to get business together. It was great having to create that kind of relationship with our competitors,” she added.
Not only was she able to create business opportunities through networking, but she became more adept at auditing, bookkeeping, and digital marketing. To the benefit of her business, she transferred many of these new skills she was learning to her employees.
Like Tamale, Lubega found particular value in the seminars on digital marketing. “At the time, we had the website, but it wasn’t very active. But now I know the importance of having an active website.” She added that implementing digital strategies and maintaining a web presence has made a beneficial difference for her business during the pandemic.
As businesses across Uganda adjust to the “new normal”, so has the Stanbic Business Incubator. “We have had to rethink our program, going away from the typical classroom lecture mode into online tutorials and lectures,” said Otoa in a recent interview. He added that the shift made entrepreneurs hopeful because of a shared need for information on financial management, governance, and other issues critical to business survival in an economic downturn.
Participants are still able to network at the Incubator even though the classes are online.
“They introduce themselves at the start of every session and are given provision to state what each of their businesses is about, share experiences, and share their contact information with other participants,” said Nadia Ayaa, Program Coordinator, Stanbic Business Incubator Limited.
The switch from a classroom setting to online tutorials also creates more flexibility for women entrepreneurs, who often balance household responsibilities and business ventures. Instead of going to a classroom, they can access the training at the comfort of their home or office.
For more information about the Stanbic Business Incubator Limited, please call
0312 226 700
Bbanka enkulu eya Uganda emabegako katono yakendeeza ku magoba kw’ewolera zi bbanka endala eziri mu ggwanga (Central Bank Rate).
Abaffe CBR kyeki era okugikendeeza kitegeeza ki eri emirimu gyange?
Central Bank Rate (CBR) ge magoba bbanka ya Uganda enkulu (Bank of Uganda) kwewolera zi bbanka endala eziri mu ggwanga. Ssinga amagoba gano gongezebwa, kino kiba kigendererwamu okukendeeza ku muwendo ogutwalibwa wamu n’okuziyiza ensimbi z’eggwanga okunaabuuka. Ku luuyi olulala ssinga gakendeezebwa, ekiba kiruubirirwa kwe kwongera ku muwendo ogutwalibwa okusobola okutumbula emirimu wamu n’ebyenfuna by’eggwanga.
Bye weetaaga okumanya
- Nnawookeera wa ssennyiga omukambwe akyagendera ddala mu maaso n’okukosa eby’enfuna by’eggwanga. Okusinziira ku bikunganyizibwa bbanka ya Uganda enkulu okupima embeera y’ebyenfuna nga bweyimiridde mu ggwanga buli mwezi, biraga nti eby’enfuna by’eggwanga byakendeera n’ebitundu bina ku buli kikumi (4.0%)mu mwezi gwa Kafuumuulampawu (April) ekiraga okukendeera okw’olugenderezo mu mirimu egivaamu ensimbi.
Nate okusinziira ku Stanbic Bank, ebipimo by’embeera y’eby’obusuubuzi nga bweba eyimiridde ku katale mu by’amakolero wamu n’obuweereza biraga nti byali wansi wa bubonero ataano omwezi ogw’okusatu ogw’omuddiringanwa mu mwezi gwa Muzigo (May) 2020 ekyoleka nti n’ebifulumizibwa mu makolero nabyo byali bikendedde.
- Newankubadde ng’okukendeera mu by’enfuna by’eggwanga kubadde kwa maanyi nnyo mu kitundu eky’ebibiri by’okuna eky’omwaka gwa 2020, waliwo essuubi nti bijja kutereera mu kitundu eky’okusatu wamu n’eky’okuna. Okutwalira awamu, ensaasaanya mu maka, okusiga ensimbi, ebitundibwa ebweru w’eggwanga wamu n’ebyo ebiyingizibwa byonna bisuubirwa okukendeerako mu mwaka gwa 2020.
Okusinziira ku mbeera eyo, Bbanka ya Uganda enkulu yakkakkanyizza ku ssuubi lye yalina ku nkulaakulana mu by’enfuna nga bwe byali birowoozebwa mu kusooka mu mwezi gwa Kafuumuulampawu (April) okuva ku bitundu 3 okutuuka ku 4 ku buli kikumi mu 2020 n’erizza ku bitundu 2.5 okutuuka ku 3.5 ku buli kikumi.
Okusinziira ku mbeera nga bw’eyimiridde mu by’enfuna, Bbanka ya Uganda enkulu yasazeewo okukendeeza ku muwendo kwewolera zi bbanka endala ng’etoolako ekitundu kimu ku buli kikumi (1%) ne bidda ku bitundu musanvu ku buli kikumi (7%)era esuubira nti ebitongole by’eby’enfuna ebirala nabyo bijja kukendeeza ku miwendo gy’okwewola kizzeemu abasuubuzi amaanyi basobole okwewola.
Tuukirira bbanka yo okumanya ebisingawo ku miwendo gy’okwewola nga bwe giyimiridde kaakano.
The Bank of Uganda recently reduced the Central Bank Rate (CBR).
What is the CBR, and what does this reduction mean for my business?
The Central Bank Rate is the interest rate at which the Bank of Uganda (BoU) lends money to domestic banks. Ideally, an increase in the CBR would aim to slowdown demand and reduce inflation, while a decrease in the CBR would be intended to increase demand and boost the overall level of economic activity in the economy.
What you need to know:
- The COVID-19 pandemic continues to have severe effects on Uganda’s economy. Bank of Uganda’s (BoU)Composite Index of Economic Activitycontracted by 0 percent month-on-month in April 2020, indicatingcontinuous shrinkage ofeconomic activity. The Stanbic Bank Purchasing Managers’ Index (PMI) remainedbelow the 50 mark for the third consecutive month in May 2020, indicating a sustained contraction inindustrial production.
- While the economic slowdown has been severein the second quarter of 2020, a gradual recovery isexpected to set in during the third and fourth On the whole, household expenditure, investment,exports and imports are projectedto decline in 2020. Accordingly, BoU has revised down its projection ofeconomic growth to arange of 2.5 to 3.5 percent in 2020 from the April 2020 forecast of 3 to 4 percent.
Based on an assessment of the current and evolving macroeconomic situation, BoU has reduced the Central Bank Rate (CBR) by 1 percentage point to 7 percent and expects financial institutions will reduce their lending rates, meaning that the cost of credit will be lower, to encourage businesses to borrow. Reach out to your bank of choice for more information on current lending rates.
Omukutu gwa Covid-19 Business Info Hub gwayogerako ne Mwami Livingstone Mukasa omutandisi wa Mazima Retirement Benefit Scheme (enkola y’okweteekerateekera ebiseera by’omumaaso ng’okaddiye) okusobola okutegeera engeri amakolero amatonotono gye gayinza okutumbulamu enkola zino
Amakolero amatonotono gasobola gatya okuteeka amaanyi mu nkola z’okweteekerateekera ebiseera by’omumaaso era ngeri ki Mazima z’esobodde okutuukirira amakolero gano n’abo abagaganyulwamu?
Enkola ya Mazima esobola okuyamba amakolero amatonotono ssinga nago gaba gasobodde okuyiiya engeri gye gayinza okwewalamu okugwa mu butyabaga. Kino nno kitegeeza nti enkola y’emirimu gyo erina okusooka okwekenneenyezebwa era ne kikakasibwa nti ekusobozesa okukola ssente wamu n’okusigala ng’ofuna amagoba ekiseera kyonna.
Enkola entonotono ng’eya Mazima ziba ne ssente ezikunukkiriza eyo mu kase akalamba (1 trillion) nga guno guba mukisa eri amakolero amatonotono (SMEs). Abaddukanya ensimbi zino ebiseera ebimu bayinza okubeera nga beekwatakwata mu nkola zaabwe, naye baba basobola okuteeka ebitundu ebiwerera ddala kkumi na bitaano ku buli kikumi (15%) ku nsimbi zino mu makolero amatonotono.
Enkola eyitibwa MLAMU etegeeza ki era kiki ekyaleetera Mazima okugigunjawo? Enkola eno ejjumbiddwa kyenkana ki?
Okuwummula luba lugendo olwetaaga okwetereekerera nga kuno kusobola okuba okw’ekiseera ekitono oba okw’ekiwanvu. Mazima yakizuula nti ba mmemba baayo bayinza okwagala okuggyayo ku ssente ze babadde baterekera ebiseera by’omumaaso bazeeyambisa nga baguddeko ebizibu eby’amangumangu era wano we yasinziira n’erowooza ku kutondawo ensawo ey’enjawulo nga yo etunuulidde embeera ey’okwenganga ebigwa bitalaze. Nabwekityo mu mwezi gwa Muwakanya (August) mu mwaka gwa 2019 Mazima yatandikawo enkola y’okuterekera ebigwa bitalaze ng’eyitibwa MLAMU. Kaakano enkola eno ekozesebwa abantu abawera ebikumi bibiri (200) era ng’erina n’ensimbi eziwerera ddala emitwalo esatu egya ddoola ya America (30,000 USD).
Amakolero amatonotono (SMEs) gasobola gatya okuganyulwa mu nkola ya MLAMU era Mazima biki by’esuubira oluvannyuma lwa ssennyiga omukambwe (Covid-19)?
Bwe tuzze tutambula twakizuula nti obumanyirivu obulungi mu by’enfuna buba bwetaagisa omuntu okuba ng’alina akasente k’azze aterekera ebbanga eggwanvu wamu n’enteekateeka ey’okuterekawo ssente ez’amangu. Nga abayiiya, tuba tukubiriza abakozi baffe okuterekangawo akasente ak’amangu mu myezi emitonotono akasobola okubayamba mu mbeera nga bafunye ebizibu eby’amangu okugeza ssinga omuntu aba afiiriddwa omulimu oba ekintu ekirala kyonna ekiyinza okubataataaganya ng’obulwadde bwa Covid-19 bwe bukoze.
Na bwekityo tulaba nga waliwo obwetaavu bw’abakozesa okwogerako n’abakozi baabwe ku ngeri gye bayinza okuterekangawo akatundu ku musaala gwabwe ke basobola okweyambisa nga baguddeko ebizibu eby’amangu sso ssi kuterekera biseera bya mu maaso byokka.
Ssinga ssente z’ensawo y’ebigwa bitalaze eya MLAMU zikungaanyizibwa okumala ebbanga eggere, ate zisobola okukozesebwa ng’entandikwa. Kasita oweza ssente ezisobola okukola entandikwa, ziba zisobola okukozesebwa abantu abalala mu matabi ag’enjawulo. Mazima ekkiriza nti ebintu nga bino bisobolera ddala okugasa amakolero amatonotono.
Newankubadde ga mu mbeera eya bulijjo mmemba wa Mazima aba takkirizibwa kwewola okuva ku ssente ze ez’akasiimo, okusobola okubawanirira okuyita mu kaseera ka nnawookeera wa ssennyiga omukambwe, bannakibiina abaagala basobola okujja ne baggyayo ebitundu abiri ku kikumi (20%)ku ssentu zaabwe zibayambeko okuyita mu kusoomoozebwa kwe balimu kaakano.
Mazima esomesezza etya amakolero amatonotono (SMES) okusobola okukakasa nti by’ekola n’empeereza yaayo bibeera bya mugaso eri amakolero gano?
Bwe twali tetunnayingira mu muggalo, Mazima yategeka emisomo mingi mu bantu mu bitundu eby’enjawulo. Mu kiseera kino tufulumizza ebitabo ebikwata ku kutegekera ebiseera by’omumaaso nga tutunuulira ensonga nga okuwummula emirimu, okwetegekera ebibamba wamu n’okutereka ssente mpolampola ezisobozesa omuntu okufuna entandikwa.
The COVID-19 Business Info Hub spoke with Livingstone Mukasa, Founder of Mazima Retirement Benefit Scheme to understand how SMEs can leverage pension schemes.
How can SMEs leverage pension schemes, and in what ways is Mazima reaching out to SMEs and their beneficiaries?
The Mazima scheme can help SMES if they can de-risk their business models. This means that your business model must have been evaluated by the scheme and it is clear how you make money and that your financial model can generate profits consistently. Smaller schemes like Mazima have close to 1 trillion shillings, which can be an opportunity for SMEs. The fund managers who manage the funds may be conservative by nature, but they can deploy up to 15% of their capital into the SME sector.
What is the MLAMU product and what led Mazima to create it? What has the uptake been like for this product?
Retirement is a journey, and this calls for savings for both short- and long-term. Mazima realized that its members would be likely to withdraw retirement savings to manage emergencies, and it is from this discussion that Mazima thought of creating a dedicated emergency wallet. So, Mazima introduced an emergency savings scheme called MLAMU in August 2019There are currently 200 users and USD 30,000 on account.
How can MLAMU benefit the SME sector, and what does Mazima expect post COVID-19?
We found out along the way that good financial literacy demands that someone has a long-term savings fund and a short-term savings plan. From an innovator’s point of view, we are encouraging our employees to have a couple of months’ worth of savings for short-term purposes so that they have a fallback if terminated from employment or should an interruption such as COVID-19 happen. We also see a need for having employers talk to their employees about saving a percentage from their monthly salary for emergency purposes and not only the long-term.
Once the emergency savings (under Mlamu) are consolidated at scale at the end of a specific term, they become a source of working capital. Once you aggregate capital, it becomes usable by other people in other sectors. Mazima believes SMEs can benefit from such innovations.
Although it is not possible for a member of Mazima Scheme to borrow against their pension account, in order to support our members to cope with the ongoing pandemic, members who want to come and withdraw 20% of their savings to address current challenges may do so.
What kinds of financial literacy does Mazima provide to ensure its products and services are helpful to SMEs?
Prior to the lockdown, Mazima conducted a lot of community outreach. Now, the scheme has published books on investing for the future, addressing issues like retirement, emergency savings, and people having savings that can create capital.
Obubaka bwa Anne Juuko – Akulira Stanbic Bank Uganda
Uganda, bizinsensi entonotono (SME) zikwaata ekifo kya ku mwanjo nnyo mu by’enfuna, obuyiiya n’okutondawo obugagga.
- Anne Juuko
Akulira Stanbic Bank Uganda
Uganda, bizinsensi entonotono (SME) zikwaata ekifo kya ku mwanjo nnyo mu by’enfuna, obuyiiya n’okutondawo obugagga.
Okutumbula bizinensi za Uganda entonotono – olufungo lw’enkulakulana
Obubaka bwa Anne Juuko – Akulira Stanbic Bank Uganda
Mu mirimu gyonna ejikolebwa mu Uganda, bizinsensi entonotono (SME) zikwaata ekifo kya ku mwanjo nnyo mu by’enfuna, obuyiiya n’okutondawo obugagga. Mu alipoota ezikoleddwa ekitongole ekifuga ba musiga nsimbi ki Uganda Investment Authority, bizinensi ez’ekika kino zikola ebitundu 49 mu mirimu egy’obuweereza, ebitundu 33% mu by’obusuubuzi, ebitundu 10% mumakolero n’ebitundu 8% mu mirimu emilala
Ekyeewuunyisa ate nga kituufu kiri nti abantu abasukka mu bukadde bubiri n’ekitundu beebakola emirimu egy’enjawulo mu bizinensi ez’ekika kino. Bano bakola ebitundu 90% mu mirimu egy’obwannanyini, abakola ebintu ebikolebwa mu makolero ebisukka mu bitundu 80% nga bino bikola ebyongera 20% ku by’enfuna by’eggwanga lyonna. Naye wadde nga kino kiri bweekiti, emirimu gy’ekika kino jilina obuzibu mu by’ensimbi, amagezi ag’ekikugu, okukuuma ebiwandiiko, enzirukanya y’emirimu etali ya mulembe, obusobozi obutono okubasobozesa okukuuma amateeka n’obukwakkulizo bw’endagaano z’emirimu, n’okuvuganya okwamanyi wano ate n’ebweeru weggwanga.
Byonna ebyo biviiriddeko bizinensi zino okugwa amangu ddala nga zaakatandika oba ezo eziba ziwonye okusigala nga ziddukanyizibwa mungeri ey’ekiboggwe era ngatezikula. Bweetyo nno Stanbic Bank kyeeva yasalawo mubugenderevu essira okulissa mukuyamba bizinensi ez’eekika kino. Twoongedde okutema empenda nga tuyita mu banywanyi baffe okuyamba bizinensi zino okukula ate ziwangaale.
Obuyambi bwa Stanbic mu kaseera kano aka covid-19
Mukiseera kino ensi yonna eyita mu kiseera ekizibu naddala munsonga za bizinensi era nga tewari amanyi kiddako. Nga ekitongole ky’eby’ensimbi ekiri kuntabiro y’eby’enfuna, embeera eno tujiwulira era tumanyi bulungi obulabe bweekoze mubulamu bwammwe obwabulijjo ne munzirukanya y’emirimu. Awo nno tulina essanyu okuba nti tuli kitundu ku ntabiro y’amawulire agakwaata ku bizinensi mu biseera bya covid-19 , ekifo wojja okusanga amawulire gonna agakwaata kungeri gyosobola okwanganga mu okusoomoozebwa kuno era eno yengeri Stanbic Bank gyegenda okkuyambamu mukaseera kano
Okwongerayo ebbanga bizinensi zino mwezirina okusasuliramu looni
Stanbic etaddewo akalembereza nga kawanvuko ku looni za bizinensi neza ssekinnoomu kibasobozese okuyita mu katyaabaga k’eby’enfuna akavudde ku kirwadde kya covid-19. Tusaba ba kasitoma baffe bonna nga ennyingiza yaabwe ekoseddwa olw’ekilwadde kino basabe ebbanga mwebalina okusasuliramu looni zaabwe lyongezebweeyo okutuuka ku bbanga lya nnaku 90 okusinziira ku mbeera nga bwebanyize. Tusaba ba kasitoma baffe okutuukirira ba business banker, relationship managers oba customer care center yaffe.
Eky’okuddamu kyaffe mu bya bizinensi ne Bank kiyiiyiziddwa okuja mu bweetaavu bwa bizinensi entonotono mu Uganda. Tukutte olugendo lwokugaziya enkola yaffe nga bwetuzimba Bank ey’omulembe gwa tekinologiya egenda okuyamba mmwe ba kasitoma baffe aba bizinensi entonotono. Enterprise Banking eyogera eri ebizibu byennyini n’ebiluubirirwa by aba kasitoma baffe okukula okusinga kukuyitibwa bizinensi entonotono
Obuyambi bwa Stanbic munkulakulana ya bizinensi entonotono.
Nga eggwanga, Uganda tesobola kukula nga bizinensi zino teziyambiddwa kukula eyo y’ensonga lwaaki tukitwaala nga kikulu okuziyamba ku Stanbic Bank. Stanbic yatandikawo ejjalurizo lya bizinensi mu 2018 nekigendererwa ky’okutendeka, n’okutumbula amagezi ag’ekikugu mukukulakulanya bizinensi ez’ekika kino. Okutendekebwa kwa bweereere nga n’ekisinga obukulu tolina kuba kasitoma wa Stanbic Bank okukweetabamu. Entekateka eno tujigaziiyizza era netuggulawo amaalurizo amalala mu Hoima, Mbarara ne Gulu okusobozesa n’abantu abali mubitundu ebyo okufuna omukisa guno.gunno
Stanbic n’enkola y’omutimbagano
Stanbic erina enkola ey’omulembe eri ba nannyini bizinensi okukole’mirimu gyaabwe ku byuuma bikali magezi era abakozi baffe babeerawo okubaweereza ku ssimu ne email buli lwekisoboka
Ba kasitoma ba bizinensi entonotono:
Enterprise Online: Osobola okunyumirwa empeereza eno ey’obweereere okuddukanya eby’eetaago bya bizinensi byo byonna wonna wooli. Okumanya ebisingawo tutuukirire ku enterprisedirectug@stanbic.com
Enterprise Direct: Bano bbo baddamu masimu. Bakubire oyogere ne business banker kunsonga yonna ekwaatagana ne bizinensi yo. MTN- 0312 222 660 or Airtel -0200 546 600 or UTL-0417 266 600.
Tweeyama okusigala nga tuyamba ba kasitoma baffe mu kaseera kano. Fenna wamu tufube okulaba nga tweekuuma nga tuli balamu era tujja kkola kyonna ekisoboka okulaba nga bizinensi yo eyitimuka mukaseera kano n’emubiseera ebijja mmaaso
Mweebale nnyo
Anne Juuko
Chief Executive, Stanbic Bank Uganda.
