Ntukangwe n’igishoro: Uko watangiza business ikagera kure uhereye ku busa

Byashoboka ko ujya utekereza gutangiza business yawe ariko ukagorwa n’uko nta gishoro cyangwa ubushobozi buhagije ufite? Ntabwo ari ibintu bihambaye, icyo bisaba gusa ni ugutekereza neza no kuzana udushya mu byo ushaka gukora cyangwa ukora, kugera ku nzozi zawe birashoboka.

Reka turebere hamwe bimwe mu bigo mu Rwanda byahereye ku busa, bikaba byarubatse izina mu buryo buhambaye kubera gushyira ibintu byabo ku murongo.

Kwirwanaho muri business, ni igihe umuntu atangiye ubucuruzi bwe akoresheje amafaranga ye bwite adatewe inkunga n’abandi. Ni ibintu bikorwa n’amafaranga wizigamiye, ayo wakoreye cyangwa winjije uyavanye mu bindi, hanyuma ugakoresha umutwe wawe mu kuyabyaza andi binyuze mu gushinga business nshya, ukaguka.

Reka duhere ku kigo nka Cogebanque cyashinzwe mu 1999. Iyi banki yashinzwe mu gihe u Rwanda rwari rukiva muri Jenoside yakorewe Abatutsi, urwego rw’imari n’amabanki rukijegajega. Nubwo nta cyizere cyari gihari, abashinze Cogebanque ntibigeze batakaza ibyiringiro.

Bahurije hamwe amafaranga make bari bafite, bahamagararira inshuti n’abavandimwe kuzana duke bari bafite bagafatanya urugendo. Byajyanye no kuzana serivisi nziza n’icyerecyezo kizima, ariho hagiye hava ibitekerezo nk’uburyo bwo kwifashisha telefone muri serivisi z’imari (Mobile banking) n’ibindi.

Byatumye babasha kugera mu bice bitandukanye birimo n’ibyaro aho serivisi z’amabanki zitageraga. Kugeza ubu Cogebanque ni imwe muri banki zihagaze neza ndetse inafite amashami mu bindi bihugu kubera amahame meza y’ubucuruzi igenderaho.

Ibi ni ikimenyetso cy’uko ushobora gutangirana ubushobozi buke ariko umuhate n’intego ufite bikakugeza kure, kuko intego watangiye ufite niyo ifite agaciro.

Mu gihe ubushobozi bwawe budahagije, ni byiza no gushaka abandi bafatanyabikorwa ariko muhuje intego. Kwiha intego no kuzana itandukaniro mubyo ukora, bigutandukanya n’abo muhanganye ku isoko.

Ibi kandi bijyana n’uburyo ucunga neza amafaranga yawe kuko rwiyemezamirimo mwiza, ni usobanukiwe n’icyo agomba gukoresha amafaranga ye mu gihe nyacyo, adasesaguye.

Hari irindi banga ba rwiyemezamirimo bamwe bajya bibagirwa, kuko kubakaibintu byiza bitwara umwanya. Uzahura n’ibisitaza muri business yawe ariko itandukaniro ryawe ni ukutamanika amaboko, ugakomeza guhatiriza kugeza ibyo wiyemeje ubigezeho.

Kwiyegeza inshuti n’abantu bakumva kandi bakagushyigikira nabyo ni ingirakamaro kuko umuhate wabo utuma uhorana imbaraga. Ntuzatinye kugisha inama aho biri ngombwa.

Buri gihe gutangira business nshya haba harimo imbogamizi ariko kugera ku ntego ni uko ugira umuhate, ugakora cyane, amahirwe yo aza gake nubwo nayo abamo.

Ni byiza kwigira ku bandi bazamutse nkawe bagatera imbere cyane cyane nk’zi ngero z’ibigo n’abandi Banyarwanda bageze ku ntego zabo, barahereye ku busa.