Ihuriro ry’Ubucuruzi muri Leta Zunze Ubumwe za Amerika rihagarariye ibigo by’ubucuruzi binini n’ibito (US Chamber of Commerce) rivuga ko 82% by’abacuruzi bahomba kubera imicungire mibi y’amafaranga.
Nyuma yo kwishimira kudahomba hakurikiraho kwibaza uburyo inyungu wabonye igiye gukoreshwa hazamurwa iterambere ry’ubucuruzi. Ariko se ni ko bigenda? Oya, abacuruzi bamwe barya igishoro bakava ku isoko mu buryo butunguranye.
Niba warahuguwe ku bijyanye n’icungamutungo, bakwigishije ko ubucuruzi butavangwa n’inyungu bwite za nyirabwo.
Umuyobozi Mukuru wa Sosiyete itunganya amasogisi ya ‘Bamboo Sock Retail Barekind’ yashinzwe mu 2018, Lucy Jeffery, yasezeranyije umutima we ko nta faranga rizangizwa mu bucuruzi bwe kandi ko bugomba kumugirira akamaro.
Mu 2022, inzozi ze zabaye impamo atangira kwinjiza akayabo k’amafaranga binyuze mu kongera gushora inyungu yabonye, ibikorwa bye bikura gutyo.
Yagize ati “Nahoranye inzozi zo kwaguka mu bucuruzi bwanjye. Ubu tugeze ku rwego rwo kongera igishoro twifashishije inyungu yinjijwe, bidasabye kwishora mu madeni.”
Ihuriro ry’Ubucuruzi muri Leta Zunze Ubumwe za Amerika rihagarariye ibigo by’ubucuruzi binini n’ibito (US Chamber of Commerce) rivuga ko 82% by’abacuruzi bahomba kubera imicungire mibi y’amafaranga. Ahanini bivugwa ko biterwa no kubura ubwizigame buhagije.
Nk’uko bigarukwaho n’ikinyamakuru American Express, inyungu yagakwiye kongerwa ku gishoro mu rwego rwo kuzamura imbaraga mu bucuruzi ku mpamvu zitandukanye.
Izo mpamvu zirimo kongera umusaruro, kongera ubushobozi bwishyura abakozi b’abanyamwuga, kongera ubushobozi bw’ihangana ku masoko y’umurimo, kongera imikorere ishingiye ku ikoranabuhanga, kwishyura uburyo bwo guhanga udushya n’ibindi.
Tekereza utangiye ubucuruzi ku gishoro c’ibihumbi 100, ariko buri mwaka akaba ari yo ashorwa buri gihe! Ubucuruzi bwawe buzagwingira cyangwa buhombe niba utongera igishoro ukirira inyungu.
Niba intego yawe ishingiye ku kwagura ubucuruzi, inyungu yawe izakoreshwa ibifite agaciro nko kugura imigabane, kurangura ibicuruzwa bifatika, kugura imashini zishoboye zitanga umusaruro mwinshi mu gihe gito, amafaranga akoreshwa akagabanyuka ukinjiza ibifatika.
Iki kinyamakuru cyakomeje gusobanura ko uburyo bwiza bwo gushora inyungu yinjijwe mu bucuruzi bihera ku kwishyura amadeni yoroheje no gufungura amashami y’ibikorwa.
Rwiyemezamirimo Lucy Jeffery avuga ko kugabanya amadeni yishyurwa mbere cyane cyane amato mato bituma ugabanya ibibazo mu kazi, kwagura ibikorwa ufungura amashami y’ibyo ukora bikagera kure, bikaba inzira nziza zo kugeza kure ibikorwa no kongera umubare w’abaguzi.
Basobanura ko kwishyura agahimbazamusyi abakozi na byo bisa no gushora, kuko bituma bakora batiganda inyungu ikazamuka vuba, n’imikorere yabo ikaba myiza.
Ubucuruzi bw’abakiri bato ntibukunze kuramba bitewe n’uko inyungu babonye bayikenuzamo cyangwa bakayishimishamo.
Hatitawe ku myaka y’ukora ubucuruzi, ni ingenzi kumenya uko wakwagura ubucuruzi wifashishije inyugu wabonye n’iyo itaba yose ariko ikarindwa gukoreshwa ibidafite aho bihuriye n’ubucuruzi, kugeza igwiriye ku buryo yakoreshwa no mu bindi. Icyo usabwa nyuma yo kwinjiza inyungu ni amahitamo meza mu kuyikoresha ibikorwa bizamura ubucuruzi.
