Gushora ku Isoko ry’Imari n’Imigabane: Inzira Ishobora Guhindura Urubyiruko Abakire n’Abahanga mu Kurema Imirimo

Ese urubyiruko ruzakomeza gutegereza akazi kugeza ryari?

Muri iki gihe, kimwe mu bibazo bikomeye byugarije urubyiruko ni ubushomeri. Benshi barangiza amashuri bafite inzozi zo kubona akazi keza, ariko ugasanga ayo mahirwe ari make ugereranyije n’umubare munini w’abarushaka. Hari abamara imyaka myinshi bohereza impapuro zisaba akazi, bakitabira ibizamini n’ibiganiro by’akazi ariko amahirwe akabura.

Nyamara, hari uburyo abantu benshi bataramenya neza bushobora gufasha urubyiruko kuva mu rwego rwo gutegereza akazi rukinjira mu rwego rw’abarema amahirwe y’akazi. Ubu buryo ni ugushora imari ku Isoko ry’Imari n’Imigabane.

Umudepite mu Nteko Ishinga Amategeko y’Umuryango wa Afurika y’Iburasirazuba (EAC), Alodie Iradukunda, aherutse kugaragaza ko gushora imari mu migabane bishobora gufasha urubyiruko kwigira no kubaka ejo hazaza heza mu bukungu.

Yasobanuye ko umuntu uguze imigabane muri sosiyete runaka aba atangiye urugendo rwo kongera umutungo we no kugira uruhare mu iterambere ry’ibigo by’ubucuruzi.

Isoko ry’Imari n’Imigabane ni iki?

Isoko ry’Imari n’Imigabane ni ahantu abantu cyangwa ibigo bagurira ndetse bakanagurisha imigabane n’izindi mpapuro z’agaciro. Iyo uguze umugabane muri sosiyete, uba ugize igice cy’iyo sosiyete.

Ibi bivuze ko niba sosiyete itera imbere, nawe inyungu yayo zishobora kukugeraho binyuze mu nyungu zitangwa cyangwa izamuka ry’agaciro k’umugabane wawe.

Mu bihugu byinshi byateye imbere, abaturage benshi bubaka umutungo binyuze mu gushora imari aho gushyira amafaranga yose kuri konti ya banki gusa.

Impamvu urubyiruko rukwiye gushora imari hakiri kare

Abantu benshi batekereza ko gushora imari ari iby’abakire cyangwa abantu bafite amafaranga menshi. Nyamara, ukuri ni uko benshi mu bakire bo ku isi batatangiriye ku mafaranga menshi ahubwo batangiriye ku kwizigamira no gushora buhoro buhoro.

Urubyiruko rufite amahirwe akomeye kurusha abandi kubera igihe ruba rufite imbere. Iyo utangiye gushora imari ukiri muto, uba ufite imyaka myinshi yo gukoresha inyungu ziva ku mafaranga washoye.

Niyo mpamvu abahanga mu bukungu bavuga ko igihe ari umwe mu nshuti zikomeye z’umushoramari.

Kuki kudategereza kuba umukire mbere yo kwizigamira?

Alodie Iradukunda yasabye urubyiruko kudategereza kuba abakire ngo rutangire kwizigamira cyangwa gushora imari.

Ibi biterwa n’uko abantu benshi bagira imyumvire ivuga ngo “nzamara kubona amafaranga menshi mbone kwizigamira.” Ariko akenshi ayo mafaranga menshi ntaza kuko umuntu aba yaramenyereye gukoresha ibyo abonye byose.

Kwizigamira ni umuco. Ntabwo biterwa n’umushahara munini ahubwo biterwa n’imyitwarire.

Umuntu ushobora kwizigama amafaranga ibihumbi bitanu buri cyumweru afite amahirwe menshi yo kuzigama n’iyo yakongera umushahara. Ariko utabikora akiri hasi, biramugora no kubikora amaze kubona menshi.

Gushora imari bifasha gute guteza imbere ubukungu?

Iyo uguze imigabane ya sosiyete, amafaranga yawe afasha icyo kigo gukora ibikorwa byinshi birimo:

• Kwagura ibikorwa byacyo
• Gushora mu ikoranabuhanga rishya
• Kongera umusaruro
• Guhanga imirimo mishya
• Kwishyura abakozi neza

Ibi byose bigira uruhare mu kuzamura ubukungu bw’igihugu.

Bivuze ko amafaranga washoye ataba aryamye gusa, ahubwo aba ari gukora akazi ko guteza imbere igihugu ndetse nawe akakungukira.

Itandukaniro hagati y’umukozi n’umushoramari

Umukozi akorera amafaranga.

Umushoramari we atuma amafaranga amukorera.

Ibi ntibivuze ko kuba umukozi ari bibi. Ahubwo bisobanura ko umuntu ashobora gukoresha amafaranga akura mu kazi ke akayashora mu buryo bumufasha kubona andi mafaranga.

Iyo umuntu yishingikirije gusa ku mushahara, ubukungu bwe bushobora guhungabanywa n’ikibazo icyo ari cyo cyose cyamubuza gukora.

Ariko iyo afite ishoramari, aba afite indi nkingi yinjiza amafaranga.

Inzitizi zituma urubyiruko rutashora imari

Nubwo amahirwe ahari, urubyiruko rwinshi ntirurayakoresha uko bikwiye.

Hari impamvu zitandukanye zibitera:

1. Kutagira amakuru ahagije

Abenshi ntibazi uko Isoko ry’Imari rikora.

Hari n’abarifata nk’ikintu kigoye cyane cyangwa kigenewe abanyamafaranga gusa.

2. Gutinya igihombo

Abantu benshi bumva ijambo “ishoramari” bagahita batekereza igihombo.

Nyamara, nk’ibindi bikorwa byose by’ubukungu, gushora imari bisaba kwiga no gufata ibyemezo bishingiye ku makuru.

3. Gukoresha amafaranga yose

Hari urubyiruko rwinshi rwinjiza amafaranga ariko rukayakoresha yose mu buryo bwo kwishimisha no kugura ibintu bitarwohereza imbere.

4. Kudateganya ejo hazaza

Bamwe batekereza cyane ku by’uyu munsi kurusha ejo hazaza.

Ibi bituma batabona akamaro ko gushora amafaranga make bafite ubu.

Imbaraga z’inyungu zikurana n’igihe

Kimwe mu bintu by’ingenzi bituma gushora imari bikora neza ni inyungu zikurana n’igihe.

Urugero, niba umuntu ashora amafaranga make buri kwezi, inyungu zayo nazo zikongera kubyara izindi nyungu.

Nyuma y’imyaka myinshi, ayo mafaranga ashobora kuba yarikubye inshuro nyinshi.

Iyi ni yo mpamvu abantu batangira kare bagira amahirwe menshi yo kugera ku bwisanzure mu by’imari.

Urubyiruko rwakora iki uyu munsi?

Niba uri urubyiruko ushaka kubaka ejo hazaza heza, hari intambwe ushobora gutangira uyu munsi:

Menya gukoresha neza amafaranga

Iga gutandukanya ibyo ukeneye n’ibyo ushaka.

Tangira kwizigamira

Niba ubona amafaranga make, tangira ku make ushoboye.

Iga ibijyanye n’ishoramari

Soma ibitabo, kurikira ibiganiro by’abahanga mu bukungu no kwitabira amahugurwa.

Irinde amadeni adafite umumaro

Amadeni menshi ashobora kukubuza gutera imbere mu bukungu.

Shora buhoro buhoro

Ntugategereze kugira amafaranga menshi. Tangira n’ayo ufite.

Uruhare rw’ababyeyi n’abarezi

Ababyeyi bafite uruhare runini mu gufasha abana kumenya agaciro k’amafaranga.

Abana bato bakwiye kwigishwa:

• Kwizigamira
• Gukoresha neza amafaranga
• Guteganya ejo hazaza
• Gukunda umurimo

Iyo ibyo byigishijwe hakiri kare, bibafasha gukura bafite imyumvire y’ubukungu itajegajega.

Ikoranabuhanga n’amahirwe mashya ku rubyiruko

Muri iki gihe cy’ikoranabuhanga, urubyiruko rufite amahirwe menshi kurusha ibisekuru byabanje.

Amakuru ku masoko y’imari abonetse ku buryo bworoshye.

Hari porogaramu n’imbuga zitandukanye zifasha abantu gukurikirana ishoramari ryabo, kwiga ndetse no gufata ibyemezo bishingiye ku makuru.

Ibi bituma urubyiruko rutagomba gusigara inyuma mu rugamba rwo kubaka ejo hazaza heza.

Kubaka igihugu binyuze mu gushora imari

Igihugu gifite abaturage bashora imari benshi kiba gifite amahirwe yo gutera imbere kurushaho.

Amafaranga abaturage bashora afasha ibigo gukura, ibikorwaremezo bikiyongera ndetse n’imirimo mishya igahangwa.

Bityo rero, gushora imari ntabwo bifasha umuntu ku giti cye gusa, ahubwo bifasha n’igihugu muri rusange.

Umusozo

Ubutumwa bwa Alodie Iradukunda ni isomo rikomeye ku rubyiruko rwo muri Afurika y’Iburasirazuba no muri Afurika yose. Mu gihe benshi batekereza ko inzira yonyine yo gutera imbere ari ugushaka akazi, hari indi nzira ikomeye yo kuba umwe mu bubaka ubukungu bwabo binyuze mu gushora imari.

Urubyiruko rukwiye kumva ko ubukire budatangirira ku mafaranga menshi, ahubwo butangirira ku cyemezo cyo gukoresha neza ayo umuntu afite. Kwizigamira, gushora imari no guhozaho ni byo bishobora guhindura umuntu usaba akazi akavamo umushoramari uhanga amahirwe y’akazi ku bandi.

Niba utangiye uyu munsi n’amafaranga make ufite, ushobora kuzareba inyuma nyuma y’imyaka mike ugasanga wafashe kimwe mu byemezo byiza byahinduye ubuzima bwawe. Ejo hazaza heza ntigutegereza abakire gusa, gutangirira aho uri ni byo banga nyakuri ryo kugerayo.