Ambasaderi Joseph Habineza wahoze ari Minisitiri w’Umuco na Siporo ndetse akaba yarigeze no kuba Ambasaderi w’u Rwanda muri Nigeria, nyuma y’igihe atari mu mirimo izwi uretse ubushabitsi bw’amakaroni ya Pasta Joe, ubu yagizwe umuyobozi mukuru (CEO) w’ikigo cy’ubwishingizi buciriritse.

Amb. Joseph Habineza ubu yagizwe umuyobozi mukuru w’ikigo cy’ubwishingizi buciriritse cya Radiant Yacu Ltd ku mwanya wa CEO (Chief Executive Officer), akaba azajya akorera mu mujyi wa Kigali rwagati mu nyubako ya CHIC. Iki kigo n’ubwo gifite ibirango n’amazina ajya kumera nk’aya Radiant Insurance Company isanzwe itanga ubwishingizi busanzwe, ni ikigo ukwacyo ariko abenshi mu banyamigabane b’ibi bigo byombi ni bamwe.

Radiant Yacu Ltd iyoborwa na Joseph Habineza, ni ikigo kizajya gitanga ubwishingizi buto n’ubuciriritse (Micro Insurance), kikaba ari ikigo ukwacyo kidashamikiye kuri Radiant Insurance Company isanzwe iyoborwa na Marc Rugenera. MicroInsurance ni ubwoko bw’ubwishingizi bugenewe abantu bose mu byiciro byose ntawe usigaye inyuma ngo nuko adafite ubushobozi buhagije cyangwa se dafite umutungo munini.

Ubu bwishingizi bugamije gusubiza ibibazo abantu benshi bahura nabyo nko kurembera mu bitaro kandi wari utunze umuryango, impanuka zimugaza cyangwa zigatwara ubuzima, inkongi y’umuriro ishobora kwangiza ibyo wari utunze byose, Ibiiza bitera bitateguje, guteganyiriza umuryango ndetse n’iza bukuru, cyangwa se gupfusha umuvandimwe.

Akenshi usanga abantu bananiwe kwikura muri ibyo bibazo kuko nta bushobozi baba bafite bagahitamo kuguza inshuti n’abavandimwe, guhitisha igiseke mu bantu ngo batange inkunga yabo, rimwe na rimwe bakagurisha na ducye bari batunze kugirango bikure muri ibyo bibazo biba bije bitateguje.

Aho Ubu bwishingizi butandukanye n’ubundi bwishingizi busanzwe butangwa mu Rwanda. Ubu bwishingizi bugamije gufasha abantu bose, abato ndetse n’abasheshe akanguhe bose babwibonamo, abo mu cyiciro cya 1, 2,3 ndetse n’icya 4 cy’ubudehe, abo bose bubaha umutekano wabo bwite, uw’ibyabo ndetse n’abavandimwe n’inshuti zabo.

Ubu bwishingizi ntibusaba ibintu byinshi ngo ubushaka abuhabwe, urebye indangamuntu yawe izaba aricyo cyangombwa gikomeye kizajya gikenerwa. Ubu bwishingizi ntiburenza iminsi hagati y’itatu ndetse n’irindwi butarishyura uwagize ibyago cyangwa uwagize impanuka. Kuva ku masaha 24 abantu bazajya batangira kwishyurwa.

Ubu bwishingizi ntibusaba ubushobozi bwishi kuko kuva ku mafaranga ari munsi y’1000 ushobora guhabwa ubu bwishingizi.

Ubu bwishingizi ntibusaba ko uva aho uri ngo ujye gushaka RADIANT aho ikorera kuko no kuri Telefone yawe ushobora kubugura ndetse no mu gihe ugize ibyago nabwo ukoresha telephone yawe mu kwishyuza kandi amafaranga ukayabona kuri telephone yawe mu gihe kihuse.

RADIANT YACU LTD, ni ikigo cya mbere cy’ubwishingizi buzwi nka MicroInsurance cyahawe uburenganzira na Banki Nkuru y’u Rwanda, kije gutanga ubwo bwishingizi butari busanzwe bumenyerewe mu Rwanda.
Mu minsi mike cyane RADIANT YACU LTD izatangira kugera kuri buri muntu wese aho yaba ari hose ndetse n’ubushobozi yaba afite bwose, kugirango agezweho ubu bwishingizi.

Umuyobozi mukuru wa Radiant Yacu Ltd, Amb. Joseph Habineza w’imyaka hafi 55 y’amavuko, nyuma yo kurangiza amashuri ya Kaminuza i Montpellier mu Bufaransa aho yarangirije mu mpera za 1989, yakoze imirimo itandukanye haba mu bigo byigenga no muri Politiki y’u Rwanda. Akirangiza Bralirwa yahise imuha akazi nka Analyste Programmeur (Mu by’ikoranabuhanga ; ICT), nyuma y’umwaka umwe aba shefu wa Departement ya Informatique, ari nako kazi yakoze kuva icyo gihe kugeza mu 1994 ubwo Heineken yashatse ko za ‘systems za Informatique” zo muri Afrika zose zimera kimwe, ubwo uyu mushinga nawo awukoraho ariko mu gihe yari igiye gutangira nibwo mu Rwanda habaye Jenoside yakorewe Abatutsi.

Nyuma ya Jenoside yagiye gukorera uruganda rwa Heineken mu Bubiligi no mu Buholande, aza no gukorera i Kinshasa ndetse no mu gihugu cy’u Burundi. Mu 1998 Heineken yamwohereje muri Nigeria, kujya gukora muri Heineken yo muri iki gihugu, aho yagiye agomba kumara umwaka umwe ariko agezeyo abayobozi baho baramukunda, basanga ashoboye akazi bituma amarayo imyaka itandatu aho yajyaga anakira amakipe yo mu Rwanda yabaga yagiye gukinira muri Nigeria.

Mu 2004 nibwo yagarutse mu Rwanda, maze Perezida wa Repubulika Paul Kagame amugirira icyizere cyo kuyobora Minisiteri y’Umuco na Siporo yamazemo imyaka hafi 7 maze mu 2011 afata icyemezo cyo kwegura ku bushake bwe muri iyi minisiteri.

Nyuma gato yaje guhita ahamagarirwa kujya guhagarira u Rwanda mu gihugu cya Nigeria ari nako kazi yakoreye igihugu mu myaka yakurikiyeho kugeza ubwo yaje kongera kugirwa Minisitiri w’Umuco na Siporo tariki 24 Nyakanga 2014 kugeza tariki 24 Gashyantare 2015 ubwo yasimburwaga na Uwacu Julienne kuri uwo mwanya.