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.