Lina Higiro ni Umuyobozi Mukuru wa NCBA Bank Rwanda Plc, akaba n’umwe mu bagore batatu baherutse gutoranywa muri Afurika y’Iburasirazuba nk’abatanga icyizere mu bijyanye n’imiyoborere y’urwego rw’amabanki na servisi z’imari.
Lina Higiro uri mu bagore bake bari mu mwanya wo kuyobora Banki mu Rwanda, yashyizwe kuri uyu mwanya binyuze mu bihembo bitangwa ku bagore bagaragaza impinduka n’ubuhanga mu miyoborere ya banki na serivisi z’imari bizwi nka ‘Angaza Award’.
Uyu mugore ni umwe mu bamaze kugira izina rikomeye mu Rwanda cyane cyane mu bijyanye n’amabanki dore ko yakoze muri banki nyinshi zirimo AB Bank Rwanda, I&M Bank na Fina Bank yaje guhinduka Guaranty Trust.
Lina Higiro yahishuye byinshi ku rugendo rwamugejeje aho ari uyu munsi, atanga n’inama ku cyakorwa kugira ngo umubare w’abagore bagaragara mu myanya yo hejuru mu buyobozi bw’ibigo bitandukanye yiyongere.
Muri iki kiganiro Lina Higiro yavuze ko yatangiye gukora ubwo yari afite imyaka 18, iki gihe ngo yakoraga mu isomero ryo muri Canada aho yabaga. Ngo nubwo katari akazi gahambaye kamufashije kugira ngo n’indi mirimo yabonye nyuma ayikore neza.
Ati “Akazi ka mbere nakoze, nakoraga mu isomero, ntabwo natangiriye ku kazi keza cyane. Natangiye mfite imyaka 18 muri Canada, ahantu heza cyane ariko kure mu Mujyi witwa Sackville mu Ntara ya New Brunswick aho nigaga muri Mount Allison University.”
“Guhera aho nakoze ibintu bitandukanye muri Ontario, mu bijyanye n’ubucuruzi, n’imenyekanishabikorwa rikorewe kuri internet, gusa muri icyo gihe ntabwo byari biteye imbere nk’uko biri uyu munsi.”
Nyuma yo kuva muri Canada, Lina Higiro yavuze ko yahise yimukira muri Afurika y’Epfo aho yakoze mu Kigo cy’Ingufu cyitwa ESKOM. Yavuze ko gukora muri iki kigo byamufashije kumenya uko akorana neza n’abafatanyabikorwa.
Ati “Nahavuye njya muri Afurika y’Epfo aho nakoranye n’ikigo cy’ingufu cyitwa ESKOM, nagombaga kwiga uko mbasha gukorana n’abafatanyabikorwa batandukanye barimo guverinoma n’ibigo byigenga n’abatekinisiye, ibi byamfashije kurushaho kugira ubumenyi mu bijyanye no gukorana n’abafatanyabikorwa.”
Mu 2007 yatashye mu Rwanda
Nyuma yo gukora mu bigo bitandukanye byo mu bihugu by’amahanga, Lina Higiro yavuze ko mu 2007 yasubiye mu Rwanda atangira urugendo rwo gukora muri za banki.
Ati “Nagiye mu Rwanda mu 2007 ni nabwo natangiye gukora muri banki nk’umukozi ushinzwe ibigo bito n’ibiciriritse mu yahoze ari Fina Bank ubu ni GT Bank, akazi kanjye aha kwari ugutangiza ishami rishinzwe ibijyanye n’ibigo bito n’ibiciriritse kandi ndishimira ko natanze umusanzu wanjye kugira ngo iyi banki imenyekane nk’ifasha ibigo bito.”
Lina Higiro yavuze ko mu gihe yamaze muri iyi banki afatanyije n’abandi bakoranaga babashije kuzamura umutungo wayo kandi akaba ngo yishimira ko abakozi bakoranye muri iki gihe bose bazamutse, bari mu nzego zo hejuru mu bijyanye n’amabanki.
Nyuma yo kuva muri Fina Bank, Lina Higiro urugendo rwe yarukomereje muri I&M Bank, aho yakoze nk’umuyobozi w’ishami rishinzwe ibigo binini n’imenyekanisha bikorwa.
Ati “Byari bitandukanye ijana ku ijana n’ibijyanye n’ibigo bito n’ibiciriritse, aribyo nari nzobereyemo cyane mu bijyanye n’amabanki ariko byatumye nkura mu gufata ingamba no gukorana n’abandi.”
Mu gihe uyu mugore yamaze muri iyi banki abifashijwemo ngo n’umukoresha we utaramuzitiraga mu kugerageza gukora ibintu bishyashya, yayifashije kugera kuri byinshi birimo guhindura imikorere cyane ko hari hashize igihe gito iyi banki ivuye ku kuba BCR.
Yagiye muri AB Bank benshi baratungurwa
Nyuma yo kumara imyaka ine ari umukozi wa I&M Bank, Lina Higiro yaje kujya gukora muri AB Bank, bitungura abantu benshi uburyo avuye muri banki nini akajya mu nto.
Ati “Nahamaze imyaka ine, mpita njya gukorera muri AB Bank, banki nto ugereranyije n’iyo nari ndimo, benshi bibazaga ukuntu nshobora kuva muri banki iri ku rwego rwo hejuru nkajya muri banki nto, gusa njye ibyo nabibonye nk’amahirwe yo kumenya byimbitse imikorere ya Banki.”
Iki gihe Lina Higiro yinjiye muri AB Bank nk’Umuyobozi ushinzwe kugeranzura ibikorwa bya banki n’imikorere yayo (Chief Operating Officer).
Mu gihe yamaze akorera AB Bank Rwanda, Lina Higiro afatanyije n’abo bakoranaga yavuze ko bayigejeje ku rwego rwa banki ya kabiri yinjiza amafaranga menshi muri esheshatu zifitwe n’Ikigo cy’Ishoramari cya Access Holidings muri Afurika.
Ati “Mu mwaka wanjye wa mbere banki yungutse 150%. Nterwa ishema cyane n’itsinda twakoranaga, ndetse twashimishijwe cyane n’uko kuntu twungutse, duhita dutangiza gahunda nshya ku bakiliya bacu yiswe ‘Group savers.”
“Ibi byari nk’igitangaza ku bantu twakoranaga kuko twatangiranye konti 150, wari umubare muto, ariko uyu munsi iyo mvuganye n’itsinda twakoranaga bambwira ko iyo gahunda yakuze n’ubu igikora neza cyane.”
Mu 2018 Lina Higiro yaje guhabwa inshingano agirwa Umuyobozi Mukuru wa NCBA Bank Rwanda plc. Yavuze ko kugira ngo yigirire icyizere cyo guhatana kuri uyu mwanya yabitewe n’abagore babiri bakora mu bijyanye na banki mu karere bamweretse ko yashobora izi nshingano.
Mu myaka ye ya mbere nk’Umuyobozi Mukuru, Lina yahuje anavugurura uburyo ubucuruzi bwakorwagamo ndetse atangiza n’uburyo bushya bwinjiriza banki n’amashami ashinzwe kwita ku bakiliya. Ibi byatumye umusaruro wa banki uzamukaho 141%, bitewe ahanini n’izamuka rya 163% ry’inguzanyo itanga.
Yatangije imishinga itanu ijyanye n’ikoreshwa ry’ikoranabuhanga, ibintu byatumye umubare munini w’abantu utangira kuyoboka iyi banki bituma umubare w’amafaranga ibikiye abakiliya uzamuka ku kigero cya 99%, uva kuri miliyoni 21$ ugera kuri miliyoni 41$. Ibi Lina Higiro na bagenzi be babashije kubikora gusa hagati y’umwaka wa 2019 n’uwa 2020.
Uburyo bw’imiyoborere Lina Higiro akoresha bwatumye abakozi b’iyi banki bakorera mu mwuka mwiza, kugeza ubu NCBA Bank Rwanda ikaba ifatwa nk’ishami rya mbere ry’iyi banki aho abakozi bayo bakora bishimye. Ibi byose biri mu byagendeweho Lina Higiro ashyirwa muri aba bagore batatu.
Abagore bakwiye gushimirwa mu ruhame
Lina Higiro yavuze ko kugira ngo agere aho ari uyu munsi abikesha bamwe mu bantu bamuba hafi bagahora bamwereka ko ashoboye kandi yakora ibirenzeho.
Ati “Nk’abagore dukeneye abufasha cyane, mu by’ukuri dukeneye abadusunika kuri njye mfite itsinda ry’abantu bamfasha bazwi nka ‘inspiration cabinet’ ni ijambo nakuye mu gitabo cyitwa ‘CEO Next door’, aba ni abantu badatuma nicara ngo numve ko nagezeyo kandi nanjye simbaha umwanya wo kuruhuka mu by’ukuri nanagiye muri Angaza Award kubera umwe muri bo wabinshishikarije.”
Yavuze ko mu bikwiye gukorwa kugira ngo umubare w’abagore bari mu myanya yo hejuru mu bigo bitandukanye wiyongere harimo gushimira abafite icyo bagezeho mu ruhame, kuko bitera n’abandi umurava.
Ati “Ni ingenzi kuvuga ibyo umugore yagezeho mu ruhame, hari ubushakashatsi buvuga ko iyo uvugiye mu ruhame ibyo umugore yagezeho bituma abandi bagore bashoboye batangira kumva ko nabo babigeraho.”
Ikindi ngo cyafasha abagore mu kuzamuka ni ukubashyiriraho uburyo bw’imikorere buborohereza.
Ati “Bishobora kutumvikana neza ariko ingamba nziza mu kazi zorohereza umuryango, iyo ubikoze ntabwo uba uri gufasha abagore gusa ahubwo ufasha n’abagabo, ingamba nk’amasaha atagora abantu.”
“Hari inshuti yashyizeho ahantu hihariye hafasha abagore konsa mu kazi, sindabikora ariko nanjye mfite abakozi bakiri bato bafite abana bonsa ariko nta hantu bafite bajya konsereza nanjye ndateganya kubitangira vuba. Ibyo ni ibintu bito ariko by’ingenzi ku muryango.”
Mu bindi Lina Higiro avuga ko byamufashije gutera imbere mu rugendo rwe harimo gusoma ibitabo. Mu byo bitabo akunda ngo harimo David and Goliath, Talking to Strangers bya Malcolm Gladwell.
Lina Higiro afite impamyabumenyi y’icyiciro cya gatatu cya Kaminuza mu by’Imiyoborere y’Ubucuruzi, yakuye muri Kaminuza ya Liverpool mu Bwongereza n’iy’icyiciro cya kabiri cya kaminuza yakuye muri North-West University yo muri Afurika y’Epfo. Yize kandi muri Kaminuza ya Ryerson muri Canada aho yakuye impamyabushobozi mu bucuruzi n’itumanaho.
