We’ve got your back!
Are you an SME with cash flow issues caused by the COVID-19 pandemic? Through Investment for Employment’s grant, Bank of Kigali provides you with an opportunity to recover your business!
- Interest Relief for businesses that can’t afford instalments on their loans in Bank of Kigali.
- Working Capital to cover operational expenses such as salaries.
| Description of the Grant | |||
|---|---|---|---|
| The grant's objective | Support Small and Medium Enterprises (SMEs) to preserve jobs and facilitate economic recovery against the effects of Covid-19 Pandemic | ||
| Target Audience | SMEs with cash flow issues caused by the Covid-19 pandemic | ||
| Purpose of Grant | Interest Relief for businesses that can't afford installments on their loans in Bank of Kigali. Working Capital to cover operational expenses such as salaries |
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| Required Documentation | Application Letter mentioning amount needed, number of employees before Covid-19 and during Covid-19 to date, and breakdown of how the money will be used. RSSB Payee records 2019 and 2020. CIT-CORP. INCOME Tax for 2017, 2018, 2019. Tax Clearance Certificate. Account Statements from other banks (if applicable). RDB Certificate and Full Registration Information. Loan Account Statement from other banks (if applicable) |
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| Interest Rate | Zero | ||
| Minimum amount | There is no required minimum amount | ||
| Maximum amount | Frw 50 Million. However, the Bank will assess the client's request and decide on the amount according to the availability of funds and actual needs of the business | ||
| Allowed Sectors | Education Hospitality Manufacturing Transport & Logistics Commerce & Trade Construction |
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| How to access the fund | Submit all required documentations to: grant@bk.rw | ||
- Minimum of 5 full time employees with a maximum of 250 full time employees
- The impacted Enterprise banks more than 50% its cashflows in Bank of Kigali
- Privately owned and not listed on public stock exchange
- No Directors, Managers or Shareholders of the enterprise are politically exposed
- Enterprise is significantly affected by the pandemic shown by a 30% reduction in Revenues or Profit levels.
- Enterprise had positive profitability in 2019 or in average of 2017 – 2019
- Enterprise had no loan arrears for more than 30 days since 2017 until 28th Feb 2020
- Shareholders have not extracted liquidity – e.g. through dividend disbursements, share buy-backs or repayments of shareholder loans (before their due dates) - since 1st March 2020.
- Enterprise would perform well if granted the temporary bridge funding
- Submit all required documentations to: grant@bk.rw
Tubari Hafi!
Waba ukora ubucuruzi buto cyangwa buciriritse kandi waragizweho ingaruka n’ibihe bya COVID-19? Ku bufatanye na Investment for Employment, Banki ya Kigali igufitiye inkunga yo kuzahura ubucuruzi bwawe!
- Gusonerwa inyungu ku inguzanyo y’ubucuruzi usanganywe muri Banki ya Kigali
- Guhabwa amafaranga agufasha mu mikorere y’ubucuruzi, urugero kwishyura imishahara y’abakozi
| Uko Inkunga iteye | |||
|---|---|---|---|
| Icyo inkunga igamije | Kuzahura Ubucuruzi buto n’Ubuciriritse mu gukomeza gutanga akazi ndetse no guhangana n’ingaruka z’icyorezo cya Covid-19 | ||
| Abo inkunga igenewe | Ubucuruzi buto n’ubuciriritse bwagezweho n’ingaruka za Covid-19 | ||
| Icyo Inkunga yagufasha | Gusonerwa inyungu ku inguzanyo y’ubucuruzi usanganywe muri Banki ya Kigali Guhabwa igishoro kijyanye n’imikorere ndetse n’imishahara y’abakozi |
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| Ibisabwa | Kwandika ibaruwa isaba, igaragaza amafaranga ukeneye, umubarew’abakozi mwari mufite mbere ya Covid-19, mu gihe cya Covid-19kugeza uyu munsi n’uko ayo mafaranga azakoreshwa. Kwerekana icyemezo gitangwa na RSSB kigaragaza imisanzu y’abakozi yatanzwe muri 2019 na 2020. Icyemezo gitangwa na RRA ko mwamenyekanishije umusoro ku inyungu muri 2017, 2018, 2019. Icyemezo cy’uko wishyura neza umusoro. Amakuru ya konti mufite mu zindi Banki (aho bikenewe). Icyemezo cy’uko ubucuruzi bwanditswe muri RDB. Amakuru ku inguzanyo mufite mu zindi banki (aho bikenewe) |
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| Inyungu ku inguzanyo | Ntayo | ||
| Amake wahabwa | Nta mubare fatizo | ||
| Inkunga ntarengwa | Frw 50, 000,000. Banki iziga k’ubusabe bw’umukiliya, hagendewe ku mafaranga asigaye mu kigega no kuba yujuje ibisabwa | ||
| Abemerewe iyi nkunga | Amashuri Ubukerarugendo (Amahoteli, Restaurants, Travel and Tour Agencies, etc.) Inganda Abatwara abantu n’ibintu Ubucuruzi Ubwubatsi |
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| Wabona ute iyi nkunga | Tegura ibisabwa ubyohereze kuri: grant@bk.rw | ||
- Kuba ufite umubare w’abakozi bahoraho utari munsi ya 5 kandi batarenze 250
- Kuba 50% by’amafaranga ukoresha mu bucuruzi bwawe anyura muri konti yawe ya Banki ya Kigali
- Kuba ubucuruzi bwawe butariyandikishije ku isoko ry’imari n’imigabane
- Kuba nta bayobozi, abakozi cyangwa abo mufatanyije ubucuruzi bakora imirimo ya politike
- Kuba ubucuruzi bwaragezweho n’ingaruka za Covid-19 bikagaragazwa n’igabanuka rya 30% ku nyungu z’ubucuruzi
- Kuba ubucuruzi bwarungutse muri 2019 cyangwa ugereranyije ibikorwa byawe bikaba byarungutse hagati ya 2017 - 2019
- Kuba ubucuruzi butaragize ibirarane ku inguzanyo birenze iminsi 30 kuva 2017 kugeza 28/2/2020
- Kuba ubucuruzi bugaragaza ubushobozi bwo gukora neza mu gihe buhawe iyi nkunga
- Kuba ba nyirubucuruzi batarigeze bakuramo igishoro cyangwa bagabana inyungu kuva ku itariki ya 1/1/2020
- Tegura ibisabwa ubyohereze kuri: grant@bk.rw