Ni ryari ushobora kureka gukorera abandi?

Iyo uganiriye n’abakozi mu bigo bitandukanye usanga buri wese intego ye ari ukuzikorera mu gihe runaka kabone nubwo yaba ahembwa amafaranga y’umurengera, ari muri ba bandi rimwe na rimwe bivugwa ko bagezeyo.

Muri abo harimo n’ababa bagikorera abandi ariko afite ubushabitsi ku ruhande ku buryo intego ari ukubona amafaranga runaka azifashisha mu kubuzamura ubundi agasezera akajya gutangira urwo rugendo yiyemeje.

Kwikorera biraryoha, bitari uko ushobora kwinjiza arenze ayo wabonaga mu mushahara wawe gusa, ahubwo hari n’ababikeshaho amaramuko, ni ukuvuga ko hari abakozi baba muri ubwo bushabitsi bwawe babaho ari uko baje muri iyo mirimo.

Ku rundi ruhande ariko kuva muri icyo cyiciro cyo kuba umukozi mu kigo runaka ukajya guhanga imirimo yawe ntabwo bipfa kwizana gutyo gusa.

Ni ibintu ubanza gutegura haba mu buryo bw’amafaranga ndetse n’ibitekerezo, ku buryo udakurikije ibi bintu tugiye kugarukaho udakwiriye gutekereza uwo mugambi kuko ushobora kwisanga wabuze intama n’ibyuma.

Kuba amafaranga winjiza akubye kabiri akenerwa mu kugura iby’ibanze nkenerwa

Mbere yo gutekereza kureka akazi usanzwe ukora ugahitamo kujya kwikorera, ugomba kubanza kumenya niba amafaranga uzajya winjiza mu gihe wa mushahara wahagaze ashobora gukuba ayo ukoresha mu kugura ibintu nkenerwa inshuro ebyiri.

Nko mu Rwanda iyo tuvuze ibintu nkenerwa, tuba tuvuga wenda, ibyo kurya, amafaranga y’urugendo, ay’ishuri, ayo kwivuza, amazi n’umuriro, inguzanyo z’igihe gito za banki, tutibagiwe n’ay’isuku n’umutekano.

Ubusanzwe abahanga mu by’ubucuruzi bavuga ko ubucuruzi na nyirabwo ari nk’abakeba bahuriye ku mugabo umwe. Uretse urukundo n’ubumuntu bwazamo umuntu akaba yasangira na mukeba we, ahenshi baba barebana ay’ingwe.

Ni nako bimeze k’umuntu ufite ubucuruzi n’umuryango we, kuko iyo afashe amafaranga yo mu bucuruzi akajya kuyakemuza ibibazo bisanzwe umuryango ufite birangira bwa bucuruzi buhombye.

Iyi niyo mpamvu Ikigo kigenzura ibijyanye n’ubucuruzi cya Global Entrepreneurship Monitor, kigaragaza ko ibigo byateye imbere bigera kuri urwo rugero ari uko amafaranga yinjiza agomba kuba akubye kabiri ibiyatwara, ndetse umuryango n’ubucuruzi ukaba kwa kuboko kw’iburyo kutamenye icyo ukw’ibumoso kwakoze.

Amafaranga ubitse ku ruhande ashobora gukemura ibibazo kugeza mu mezi atandatu

Inzobere mu bukungu zigaragaza ko umuntu ushaka gutangiza ubucuruzi cyangwa ubundi bushabitsi bwe agomba kuba afite amafaranga abitse ku ruhande adafite ikintu yagenewe, ashibora kumutabara mu gihe yagize ikibazo gitunguranye mu gihe cy’amezi atandatu.

Ubushakashatsi bwakozwe n’Ikigo cya Bankrate, bugaragaza ko 40% by’abatuye Isi, badashobora gukemura ikibazo gitunguranye cy’amafaranga agera ku 400$ ni ukuvuga arenga ibihumbi 400 Frw.

Ibi bigaragaza ko umuntu udafite bene ayo mafaranga ashobora kumugoboka mu bihe by’amage, ubucuruzi bwe buba buri mu manegeka.

Ubumenyi buhagije mu byo wimukiyemo

Niba wiyemeje kureka akazi wakoraga kaguhaga amafaranga ya buri kwezi, ukajya kuzamura ka kantu kakwinjirizaga ku ruhande mo ubucuruzi bufatika, bisaba kuba ufite ubumenyi buhagije muri ibyo bintu ugiyemo kugira ngo utazicuza ugahomba umwanya n’amafaranga.

Kuba witwa ko uri umuyobozi mukuru w’icyo kigo wiyemeje kuzamura ntibirangirira muri icyo cyubahiro gusa, ahubwo bisaba ko ugomba kuba ufite ubumenyi buhagije mu gukora ubwo bucuruzi ugiyemo, burimo nko kumenyekanisha ibyo ukora, ubumenyi mu by’imari, gufata neza abakiliya n’abakozi n’ibindi.

Ibi binashimangirwa n’Ikigo cy’Igihugu cy’Ibarurishamibare, NISR aho mu 2022 cyagarageje ko bimwe mu bihombya ibigo bitandukanye birimo n’ubumenyi buke bw’abamwe mu bayobozi n’abakozi babyo.

Ikigo cya Leta zunze Ubumwe za Amerika gishinzwe umurimo (Bureau of Labor Statistics) kigaragaza ko 20% by’ibigo by’ubucuruzi bifunga umuryango mu mwaka wa mbere byatangiyemo.

Mu mpera z’umwaka wa kabiri nabwo iyo mibare iba imaze kugera kuri 30%, ikagera muri 50% mu mwaka wa gatanu mu gihe cy’imyaka icumi iyo mibare ikimurika kuri 70%. Uko gufunga imiryango ahanini ngo kuba kwatewe n’ubumenyi buke bw’ababitangije.

Gukora utiganda

Hari imvugo ikunda gukangurira abantu gukora neza bakavuga ko bagomba ‘gukora nk’abikorera’. Ubu iyo mvugo iba igomba gushyirwa mu ngiro ku buryo bunarenze, kuko nyine uba wikorera, niwunguka uzabyimenyera n’unahomba bizaba uko.

Kujya kwikorera bisaba kuba witeguye no gukora mu masaha y’inyongera, cyane ko ibintu byose biba ari wowe bireba ku buryo bisaba undi muhamagaro no kubikunda kugira ngo ugere kyu ntsinzi wifuza.

Mu bushakashatsi bwakozwe n’umunyemari akaba yari n’umucuruzi ukomeye muri Amerika, Thomas A. Edison yavuze ko intsinzi iba igizwe na 1% by’igitekerezo cy’ibyo werekejeho umutima na 99% by’ingufu watakaje ugishyira mu bikorwa.

Gukora amasaha ari hagati ya 12-17 nta zindi nzitwazo

Kwihangira umurimo umurimo bitandukanye na bya bindi wari usanzwe umenyereye aho ukora amasaha ari hagati y’umunani n’icumi ugataha. Kuri iyi nshuro ugomba kwitegura ko hari n’ubwo abakozi bawe (niba ubafite) bashobora kuzajya bakagusigamo kugira ngo ugere ku ntego wihaye.

Ikigo gikunze gukora ubushakashatsi ku bijyanye n’ubucuruzi cya Harvard Business Review, mu bushakashatsi cyakoze cyagaragaje ko ba rwiyemezamirimo benshi bakora amasaha ari hagati ya 60-80 mu cyumweru.

Ku rundi ruhande ariko gukora bene uku ntibisobanuye ko ugomba kwiyibagirwa ngo igihe cyose ukimarire mu kazi, kuko utarebye neza nabwo gashobora kuguhitana.

Ibi nabwo biri muri bwa bumenyi twavuze haruguru kuko uramutse utagereranyije ngo urebe igikwiriye na none ushobora kwisama wasandaye no kutagera ku ntego wihaye.

Uko gukora cyane kujyana no guhindura imyumvire. Bitandukanye na bya bindi wagiraga akabazo runaka ukagakuririza kakavamo impamvu ushobora guha umukoresha wawe yo kwisobanura mu gihe wasibye, kuri iyi nshuro ugomba gutekereza ko nubikora uzaba ari wowe uri kwihombya.

Ubushakashatsi butandukanye bugaragaza ko kugira ngo rwiyemezamirimpo agere ku ntego yihaye bimusaba gukora neza akiyambura ubunebwe ndetse akamenya no kwigenzura mu kugabanya ibimutera umwanya bitamwungura. Ibi bikorwa ni byo bizatuma na ya ntsinzi urangamiye igerwaho.

Kwihangira umurimo ugasezera ku kazi wakoraga ni igitekerezo kiba kizagira n’ingaruka nziza ku bandi benshi n’igihugu muri rusange ariko ni ibintu bitagomba gufatwa mu mu buryo bworoshye. Iyo niyo mpamvu ugomba gukurikiza ibi byose n’ibindi bizafasha mu kwirinda ibihombo.