Birashoboka ko ujya wumva ababara inkuru y’ inzira banyuzemo mu rugendo rwabo njyabukire, ukabifata nk’amakabyankuru cyangwa kwitaka rimwe na rimwe ukaba rimwe na rimwe ukaba wavugira mu mutima uti “ni nka bamwe njya numva ngo batangiriye ku ntete y’umuceri none basigaye bafite uruganda rutunganya icyo gihingwa ngengabukungu kikaba na ngandurarugo kuri bamwe.”
Ese koko mu by’ukuri birashoboka ko umuntu yatangirira ubucuruzi bwe kuri 5000Frw cyangwa koko ni ya makabyankuru nk’ay’inkuru za Ngunda cyangwa aka rya jana ribyara indege n’ibindi bitangaza mu nkuru za bamwe bivugaho gukirigita ifaranga?
Ingingo ijyanye n’imari igarukwaho kenshi mu biganiro by’abantu ku buryo kuyikomozaho cyane bishobora kugira abo bifasha kuyisobanukirwa neza no kugira icyo bakora ku byo bumvise.
Nk’urubyiruko, birashoboka ko wakwisanga mu buzima butaguha umwanya usesuye wo kuganira ku bijyanye n’imari, ariko kugira ngo uzabashe kuvamo umuntu uhagaze neza ku mufuka, ni byiza ko utera intambwe ibikuganishaho ugategura ahazaza hawe hahamye mu bijyanye n’ubukungu.
Mu Rwanda by’umwihariko nk’ahantu urubyiruko rugize umubare munini w’abaturage, ni ingenzi cyane gushyira imbaraga mu kwigisha urubyiruko ibyerekeye imari n’ibyabafasha kugira ubuzima bwiza. Gufata igihe cyo kwiyigisha no kwihugura mu masomo yerekeye imari, ni icyambu cyiza cyo gutegura igenamigambi ry’intego no kubasha gusingira ubukungu burambye.
Muri iyi nkuru, turakomoza cyane ku ngamba zagufasha gusingira ahazaza hafatika mu buryo bw’imari ukazabasha kubaho udasaba umunyu ahubwo wiha icyo ushatse kandi utabayeho mu bwoba n’urwikekwe ngo ejo nzamera nte.
Itoze gutegura uko ukoresha amafaranga yawe
Intambwe ya mbere ukwiye gutera kugira ngo ubashe kugera ku butsinzi mu byerekeye imari, ni ukumenya uburyo bwo kugena ingengo y’imari kuri buri ntego ufite.
Kora urutonde rw’ibintu byose ukenera mu kwezi, byaba ibyo kwishyura ubukode bw’inzu, ibyo kurya, amafaranga y’ingendo n’ibindi byose uba ugomba kwishyura. Ibwize ukuri ku byerekeye aho amafaranga yawe asohoka ajya, unarebe niba hari ibitari ingenzi cyane uyatangaho ubihagarike. Ukwiye kandi gukomera ku byo wiyemeje ukabishyira mu ngiro uko biri.
Ushobora kwiyambaza ikaramu n’urupapuro cyangwa ukifashisha Application yabugenewe mu gukomeza gukurikirana uburyo ukoreshamo amafaranga. Eugenie Nkundimana ni umunyeshuri muri Kaminuza y’u Rwanda, ishami rya Huye, avuga ko gushyiraho ingengo y’imari byagiye bimutabara kenshi binamurinda kujya agura ibintu atapangiye.
Yagize ati “ntekereza ko gutegura uburyo bwo gukoresha amafaranga byambashishije kubona ukuntu najyaga ntagaguza amafaranga ku bintu bitari ngombwa.” Akomeza avuga ko yakoreshaga amafaranga adatekereje ko azongera kuyakenera nyuma. Nawe ushobora kuba umeze nka Nkundimana muri icyo gihe, ugakunda kugura aka na kariya ariko ukoze igenamigambi mbere byagufasha.
Izigame
Kwizigamira amafaranga ni inkingi mwikorezi mu rugendo rukuganisha ku kugira ahazaza heza mu by’imari. Ni ngombwa ko n’iyo waba winjiza make, witoza kugira umubare wizigama buri kwezi, ukiha intego kandi ugakora ibishoboka byose ngo uyigereho. Aha ushobora kwizigama wifashishije konti yawe yo muri banki cyangwa ukisunga ibimina.
Ibarurishamibare rigaragaza ko mu bantu bizigama haba harimo urubyiruko rungana gusa na 13% aho Ikigo cy’Ubwiteganyirize mu Rwanda (RSSB) kigaragaza ko urubyiruko rutitabira gahunda y’ubwiteganyirize bw’igihe kirekire izwi nka “Ejo Heza”, ugereranyije n’uko ibindi byiciro by’abaturage biyitabira.
Tumukunde Vivine we yiga Ibaruramari muri Kaminuza y’u Rwanda, avuga ko ikibazo atari amafaranga ahubwo ikibazo ari ukutagira amakuru y’impamvu umubare w’urubyiruko rwizigama ari muto.
Ati “kuzigama ntibigombera amafaranga menshi, ushobora kuzigama make make azabyara inyungu mu gihe runaka.” Yakebuye abandi banyeshuri avuga ko nubwo amafaranga bahabwa muri Kaminuza azwi nka “Bourse” umuntu ashobora kwibwira ko ari make, “ariko ushobora kuyazigamaho ugacungura ejo hazaza hawe.”
Iga gushora imari
Ishoramari rishobora kumvikana nk’ikintu giteye ubwoba ariko ni bwo buryo bwiza bwagufasha kumenya gukoresha amafaranga yawe na yo akakubyarira andi.
Tangirira ku kwiga uko washora mu bintu bito bito nk’ibimina byunguka, kugura imigabane, impampuro mvunjwafaranga n’ibindi nk’ibyo, wegere impuguke mu by’imari bakuvungurire ku bumenyi, bakugire inama umenye amakuru kandi umenye gushorana ubwenge uzirikana ko gushora ari ukwiyemeza.
Witegereza, tangira none maze utere intambwe mu gihe kiri imbere uzaba ukirigita ifaranga ari wowe ubara inkuru utakiyibarirwa.
