We present TabuLM, the first language model pre-trained on Kinyarwanda tabular data. Kinyarwanda is a morphologically rich Bantu language spoken by over 12 million people in Rwanda, yet lacks any dedicated tabular representation learning resource. TabuLM extends KinyaBERT-large, a two-tier morphological transformer, with additive row, column, and cell-type embeddings and a learned table-structure attention bias that sharpens same-row and same-column attention. Pre-training uses two new objectives: Masked Cell Recovery (MCR), which masks entire cells and forces reconstruction from row and column context, and Column Type Prediction (CTP), which predicts column semantic types from observed cell values. We pre-train on 172 Rwandan government tables (~35,000 cells) from NISR, RAB, REB, and MoH open-data portals, and introduce TabQA-kin, the first native Kinyarwanda table question-answering benchmark comprising 526 QA pairs across 31 tables and four question types. TabuLM achieves 62.0% exact match on TabQA-kin, outperforming KinyaBERT-large by 5.7 EM points and all multilingual baselines (mBERT 49.3%, XLM-R 50.0%) by 11.7-12.7 points. Analysis shows that structural table embeddings are most decisive for comparison and lookup questions, while morphological awareness provides complementary gains. Our code, data, and pre-trained checkpoint are publicly available.

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