Reka twemere ko biryoha kwihangira umurimo ariko bigatwara imbaraga z’umurengera kugira ngo bizatange umusaruro mu buryo burambye.
Uzumva inkuru za bamwe bamaze kuba abanyamafaranga bavuga ko igishoro cyabo cyavuye mu nshuti magara cyangwa mu banyamuryango, ariko se gusaba icyo gishoro biroroshye?
Dore ibyo usabwa mbere yo gusaba inshuti n’umuryango igishoro cyo gutangiza ubucuruzi:
Menya neza amafaranga ukeneye
Utazi iyo ava ntamenya iyo ajya. Imibare ya vuba yagaragaje ko 50% by’ubucuruzi buto butangiza nibura igishoro cya $10000 (asaga miliyoni 13,7 Frw), inshuti n’umuryango bakakigiraho uruhare rungana na 38%. Nubwo mu Rwanda bitagaragazwa cyane, byiganje cyane mu bihugu bya Afurika biri mu nzira y’iterambere.
Mbere yo gutekereza uwo wasaba ubufasha bw’igishoro, sobanukirwa ingano y’amafaranga ukeneye ndetse n’uburyo uzayakoresha.
Sobanukirwa icyo usaba
Ese ukeneye inguzanyo, impano cyangwa ishoramari?
Birakwiye kumenya itandukaniro hagati y’ibyo bintu. Niba usaba inguzanyo, shyiraho uburyo bugaragara bwo kugaruza amafaranga n’igihe bizafata. Niba ari ishoramari, sobanura uko bashobora kungukira mu bucuruzi bwawe nyuma yo gushora, cyangwa ubabwire ko ukeneye ubufasha budasubizwa bagufashe uko bashoboye.
Tegura ubucuruzi bwawe
Zirikana kwerekana ibyo uzakora, abakiliya ukeneye, uburyo uzunguka n’ibindi.
Ndayisenga Jean Claude, umucuruzi w’imyaka 27 watangije iduka rikora imigati mu Mujyi wa Kigali, yavuze ko ubwo yatangiraga ubucuruzi bwe yegereye umuvandimwe we akamusaba inguzanyo.
Yongeyeho ko yabanje kumusobanurira neza amafaranga akeneye n’igihe azagaruzwa.
Ati “Navuganye na mushiki wanjye musaba inguzanyo yo gutangiza ubucuruzi, ansaba ko mbanza kumwereka inyungu nzakuramo mbere yo kumfasha.”
Gutanga gahunda y’ubucuruzi mu buryo burambuye bituma ugirirwa icyizere. Nk’uko raporo ya Business Insider ibigaragaza, abagera kuri 60% bafite amahirwe yo kubona inkunga igihe basaba ubufasha bagaragaza gahunda yabo yanditse neza.
Andika mu mpine
Gahunda y’ubucuruzi ntigira agaciro kubera ko wanditse igitabo, ahubwo incamake yumvikana igaragaza intego, inzira zo kunguka, uburyo bwo guhangana n’ibibazo n’ibindi, ni byo bikurura uwagufasha.
Shyiraho uburyo bwo kuvuga neza
Ese wigeze usobanukirwa imbaraga z’ibiganiro no kumenya gusobanura ibyifuzo byawe binyuze mu biganiro? Bitewe no gusobanura neza, umuntu ashobora kuguha amafaranga, ariko guhuzagurika mu mvugo bigatuma uyabura kandi ufite umushinga muzima.
Bitewe n’abo wifuza kuganiriza cyane cyane ku bijyanye n’igishoro cyangwa amafaranga, usabwa kwitoza kugira ubumenyi bwo kuganira mu buryo bukora abantu ku mutima.
Ndayisenga avuga ko yatangiye kuganira n’umuvandimwe we mu birori by’umuryango.
Ati “Nahisemo kubivuga n’umuvandimwe mu gihe cy’ibirori. Musobanurira impamvu nkeneye inguzanyo n’igihe izagarurwa.”
Menya ko wafashwa kandi ukazahomba
Birashoboka ko inshuti n’umuryango batiteguye kugufasha mu ntangiriro z’ubucuruzi. Si benshi burya biyumvisha gushora mu bucuruzi bushya n’iyo waba uri inshuti magara nabo.
Imibare igaragaza ko 70% by’imiryango yateye inkunga ubucuruzi bugitangira bwakomeye bugatanga inyungu, gusa bitabujije ko hari ubwahombye.
Kwitega ibisubizo bitandukanye
Kubaha inshuti n’umuryango mu buryo bwo kuganira ni ingenzi cyane. Bibaho ko bavuga oya, ntuzabarakarire. Ibi bituma bagira icyizere bakabona ko umutekano w’umutungo wabo urinzwe n’umuntu ushyira mu gaciro.
Ni byiza kuzirikana ko abo usaba inguzanyo cyangwa ubufasha bashobora kubikwima bitewe no kutagera ku byifuzo byabo.
Gerageza kubabwira ko wishimiye imyanzuro yabo
Niba inshuti n’umuryango bananiwe gutanga inkunga cyangwa gukora ku mutungo wabo ngo bagufashe, ariko baguhaye umwanya barakumva.
Bashimire ko baguhaye agaciro ndetse ukomeze kubafata nk’abantu b’ingenzi mu bikorwa byawe, ntawamenya bashobora gukunda umuhate wawe bagahindura ibitekerezo.
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