Wednesday, May 22
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Menya impamvu guhuza intego z’amafaranga n’uwo mwitegura ku rushinga ari ingenzi

Mugihe cy’imyiteguro y`ubukwe, ibibazo by`ubukungu bikunze kugaragara  nk`intandaro y`amakimbirane  akenshi biganisha mu gutandukana.

Ingingo yo “gutandukana  hejuru y`amafaranga” ntabwo ari interuro gusa; ikubiyemo ibintu byinshi bigoye  bishobora guhungabanya urufatiro rwo kwizerana n`ubufanye  by’ingenzi mu bumwe  ubwo aribwo bwose. Iyi ngingo irasobanura impamvu zituma uburangare bw`amafaranga bushobora gutuma  habaho gusenyuka  kw`abashakanye, hakarebwa uburyo amafaranga aba arenze ifaranga gusa ahubwo ni ikintu cy`ingenzi mu bikorwa by`imibanire.

URUHARE RW`AMAFARANGA MUGUTUZA KW`ABASHANYE

1.Indangagaciro z`amafaranga n’ibiteganijwe

Umuntu ku giti cye yinjira mu bukwe afite indangagaciro zitanduknye z`amafaranga  n`ibiteganijwe.ibi bigizwe n`uburere bw`umuntu, uburambe bw`ubuzima hamwe n`icyifuzo cye. Iyo abafatanya bikorwa bafite  ibitekerezo bitandukanye no gukoresha, kuzigama  cyangwa gushora imari bishobora  gukurura amakimbirane ahoraho. Urugero niba umwe mubakunzi aha agaciro ubuzima bwitondewe no kuzigama ejo hazaza ,mugihe undi ashyira imbere  kwishimira ubuzima no gukoresha mu bwisanzure,  itandukaniro ryibanze rishobora guteza umwobo  utoroshye kurenga.

2.Itumanaho no gukorera mu mucyo

Itumanaho ryiza n`ifatiro ry`imibanire myiza  kandi ibi bigera no mubibazo by`ubukungu. Kubera  gukorera mu mucyo kubyerekeye amafaranga yinjira, imyenda cyangwa  amafaranga asohoka ashobora kubyara kutizerana. Iyo  abafatanyabikorwa   bataganiriye kumugaragaro  uko ubukungu bwabo bwifashe,  bishobora gutera gutungurwa  no kurakara, bishobora kwiyongera  mubibazo bikomeye by`ubukwe. inama  y`imari isanzwe no kugira uruhare mu bikorwa by`ingengo y`imari ishobora gukumira  gukumira  intu nkibi, nyamara abashakanye  benshi birengagiza  iki kintu cy`ingenzi vy`imibanire yabo.

3.Guhangayikishwa n`ubukungu n`ingaruka zabyo

Ihungabana ry`ubukungu, gutakaza akazi cyangwa  imitwaro itunguranye ishobora  guhungabanya ndetse  n`ubukwe bukomeye. Guhangayikishwa n`amafaranga bishobora kwangirika cyane kuko bikora ku bintu bikenerwa byo kubaho n`umutekano w`ejo hazaza. Abashakanye bahura n`ihungana ry`amafaranga bashobora kwisanga  mu guhangayika guhoraho, bishobora gutwikira izindi ngingo z`imibanire yabo kandi biganisha ku gucika integer no kutagira gitabara.

4.Ubusumbane b`imbaraga no kugenzura ibibazo

Amafaranga akenshi asobanura imbaraga  mubushuti. Iyo iyo umufatanya bikorwa yinjiye cyane kurusha undi,bishobora guteza ubusumbane bushobora gukoreshwa, kubushake  cyangwa utabishatse. Izi mbaraga zishobora kuganisha kumufatanyabikorwa ugenzura byinshi mubyemezo by`ubukungu, bishobora gutuma undi yumvako akumiriwe  cyangwa adafite imbaraga. Itandukaniro nk`iryo rishobora kugabanya kubahana no kumvikana, bigatuma abashakanye  batekereza gutandukana.

5.Ingaruka zemewe  n`imibereho yamakimbirane y`ubukungu

Ibikorwa byo gutandukana ubwabyo  bishobora kuba ingorabahizi  no guterana amagambo mugihe habayehi impaka  zikomeye  z`amafaranga. Ibi bibazo nko kugabana  umutungo,amafaranga yo gufasha no gutunga abana bishobora  kwongera inzira, bikongerera amafaranga  n`amarangamutima yo gutandukana.byongeye kandi, gupfobya imibereho ishingiye  ku “gutandukana hejuru y`amafaranga  bishobora gutuma umuntu yigunga kuko abantu bashobora ko  baciriwe urubanza  cyangwa  batumva nabi.

INGAMBA ZO GUKUMIRA NO GUTEGURA IMARI

 Igenamigambi rihuriweho

Kugirango bagabanye ingaruka zo “gutandukana hejuru y`amafaranga,” abashakanye barashishikarizwa kwishora mu igena migambi ry`imari  hakiri kare mu mibanireyabo. Ibi bikubiyemo gushyiraho intego zisobanutse z`amafaranga, guhsyiraho ingengo yimari no gusuzuma buri gihe  gahunda  yimari  kugirango uhuze nubuzima bushya cyangwa  intego.

Umwanditsi: Moussa Jackson

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