Buri muntu wese yifuza gukurira mu buzima bwiza ndetse akanabusaziramo. Ibi si ibintu byikora kuko bisaba kubitegura hakiri kare, ugaharura iyo nzira izakugeza ku ntego yawe.
Gutegura imibereho y’ahazaza rimwe na rimwe hari ibyo bisaba ko wigombwa kugira ngo imbere hazamere neza.
Umuyobozi Mukuru wa Equity Bank Rwanda, Hannington Namara, yavuze ko urubyiruko hari ibyo rukwiye gukora kugira ngo ruteganyirize ahazaza harwo.
Yatanze urugero yihereyeho, avuga ko mu myaka 24 amaze akora yanyuze mu mirimo itandukanye ndetse ayivanamo inararibonye ritandukanye kugeza uyu munsi ari Umuyobozi wa Equity Bank Rwanda, iheruka kwihuza na Cogebanque.
Ati “Akazi ka mbere nakoze nari Umuyobozi wa resitora, hamwe bitaga Carwash. Nyuma naje kuba umukuru w’ikinamba.’’
Asoje amashuri yisumbuye yagiye gukora muri ISCO [yari ikiri Intersec], anyura no mu zindi nzego zirimo Urwego rw’Igihugu rw’Iterambere, RDB.
Namara yavuze ko ibi byose byerekana ko abakiri bato badakwiye gusuzugura akazi ako ari ko kose kuko kagenda kakwigisha.
Ati “Nyuma rero naje kujya muri BCR [ubu ni I&M Bank] ikigo nari narafashije kugurishwa. Icyo gihe bampaye akazi ko gukora imenyekanishabikorwa. Ibyo byose nagiye nkuramo ubunararibonye ku buryo na benshi bampaye icyizere ari ho bahereye. Nta kazi nasuzuguraga kandi iyo nabaga nihaye inshingano nazikoraga neza zigatungana nkanagaragariza uwazimpaye impamvu ampemba.’’
Ahantu yakoze, aho yamaze igihe kirekire ni muri BCR aho yabaye imyaka icyenda mbere yo kujya muri PSF na Trademark East Africa mbere yo kwinjira muri Equity Bank.
Yavuze ko mu rugendo rwe, harimo amasomo arimo kubyaza umusaruro amahirwe bahawe.
Namara ati “Amahirwe ntahoraho. Iyo aje ntuyakoreshe neza cyangwa ntukuremo ubushobozi n’ubumenyi buguteza imbere wowe nk’umuntu, kuko burya umuntu atanga icyo afite. Kugira ngo abantu baguhe akazi ni uko baba bakubonyemo ubushobozi kandi na we kugira ngo ugire akazi keza umenye n’uko bigenda ni uko uba wiyubatse.’’
“Kwiyubaka rero bisaba ibintu byinshi. Icya mbere ni ikinyabupfura. Kumenya ko atari wowe gusa ufite ubumenyi kuko ubuzima ni ishuri. Buri munsi ukwiye kumenya icyaguteza imbere kurushaho. Kimwe muri byo nkijyanishe n’ikinyabupfura ni ukumenya gucunga amafaranga.’’
Yavuze ko abantu benshi batekereza ko babyiga cyangwa bakabivukana ariko mu buzima bikwiye ko buri wese abyitwararika, akamenya uko akoresha umushahara we.
Ati “Njye umushahara wa mbere nabanje guhembwa ni 30.000 Frw kandi ubwo nari umuntu ukomeye cyane. Iyo ufashe amafaranga ukayashyira mu biyobyabwenge jya umenya ko amafaranga atangiye kukwica kandi ari wowe ugomba kuyakora. Ibyo bita kwiyubaka bikakuviramo kwiyica.’’
Namara yavuze ko ari ingenzi kumenya gukoresha neza amafaranga, kuzigama no kuyashora.
Ati “Baca umugani ngo ubuto bukorera ubukuru. Iyo ukiri muto rero ntumenye gukoresha amafaranga neza ngo umenye ko hazaza umunsi runaka uzaba uyakeneye kugira ngo agufashe mu biguteza imbere, nawe uba wihemukira.’’
“Ni byiza gukorera amafaranga nawe ukayarya ukabaho neza ariko umenye ko hari umunsi amahirwe atangana hanyuma umenye kwizigama, kuyakoresha neza no kuyashora mu byunguka.’’
Uko wakwizigamira amafaranga
Mu buzima abantu babayemo ni ingenzi kwizigamira amafaranga azakugoboka mu gihe cy’amage cyangwa ufite umushinga ushaka kwiteza imbere.
Namara yavuze ko gushora imari cyangwa kwizigamira bikorwa mu buryo bwinshi, burimo kugura nk’impapuro mpeshwamwenda za Leta, kugura ubutaka cyangwa kubika amafaranga kuri konti.
Ati “Amafaranga kenshi iyo anahari atera abantu gusara no kutamenya uko uyitwaramo ariko kumenya ngo nkwiye kurya aya nkizigama aya, ni ibintu bigora abantu. Ni yo mpamvu usanga bisanga mu cyobo. Umuntu akabara ngo ko nakoze iyi myaka yose mfite iki? Ukakibura.’’
Yavuze ko nko ku rubyiruko, ari ingenzi kureba icyo rushaka kurusha ibindi kugira ngo rumenye uko rwitwara.
Ati “Kwizigama ni byo kuko ntiwashora udafite ubwizigame. Mu buzima tuba dukeneye byinshi, urubyiruko rushaka imodoka, kwambara agakote keza, ariko ukamenya ngo ngomba no gushora imari no kwizigama kandi iyo ubitangiye hakiri kare birakubaka.’’
“Nk’ubu dukora akazi ariko ejo dushobora kukabura. Watungwa n’iki? Kandi noneho utakiri umwe, ufite abana, urugo, umugore, byagenda gute? Iyo wabitangiye kare utaragira inshingano nyinshi n’umuryango birakorohera.’’
Yagaragaje ko iyo umuntu yagize inshingano zikomeye atarizigamye bimugora cyane kandi byari gushoboka ko agira icyo abikoraho.
Ati “Njya mbwira abo dukorana ngo uwansubiza mu buto nakwizigama neza kurushaho kuko imyaka nk’iyi ngezemo utangira kwibaza uti “ese ya yandi nayakoreshaga iki? Kuki nayapfushije ubusa?” Ni byiza kugira amafaranga ukamenya uko uyakoresha kuko iyo nza kugira imitekerereze nk’iyo mfite uyu munsi nanjye mba ndi umwe mu bakire.’’
Urubyiruko yarugiriye inama yo kudapfusha ubusa amahirwe rubona kugira ngo rutazicuza.
Ati “Urubyiruko mukirangiza amashuri cyangwa n’ukiri mu ishuri; ntirugapfushe ubusa amahirwe ubonye yose. Akazi ubonye kose ntukagasuzugure. Icya kabiri, menya gukoresha amafaranga neza. Ifaranga ukoreye wizere neza ko wigomwa wizigame nibura 30% y’amafaranga ukoreye. Niba wakoreye 100.000 Frw, wizigame 30.000 Frw andi 70.000 Frw na we ubeho. Nibikunda wizigame 50%, nibidakunda ntuzabure 30%.’’
Namara yavuze koi bi ubitangiye mu myaka 18 cyangwa 20 wagera muri 45 ubona hari icyo wimariye ndetse ukaba wakiteza imbere.
