Mfite ubushobozi bwo kwishyura umwenda, ariko nkeneye andi mafaranga kugira ngo ubucuruzi nkora bukomeze kugenda neza muri iki gihe cy’Icyorezo cya COVID-19. Ese hari ubwoko bw’inguzanyo yamfasha kubigeraho?
“Kwemererwa inguzanyo” cyangwa “Guhabwa inguzanyo” ni inguzanyo uba usanzwe wemerewe iherekejwe n’igipimo cyihariye ntarengwa kigenwa hashingiwe ku cyizere banki ifitiye umukiriya. Uko icyizere umukiriya agirirwa kirushaho kuzamuka, ni nako arushaho kwemererwa inguzanyo.
Kwemererwa inguzanyo bituma abagurizwa babona inguzanyo batabanje kongera kubisaba buri gihe bazikeneye, igiteranyo cy’umubare w’inguzanyo basabye banki gipfa kutarenga igipimo kigenwe cy’inguzanyo bemerewe. Bituma ikigo cy’ubucuruzi gikomeza kubona amafaranga no mu bihe bikomeye, nk’ibyo duhanganye na byo muri iki gihe.
Urugero: niba wemerewe inguzanyo ya miriyoni eshanu ( 5.000.000 Frw), uzaba wemerewe kubikuza kugeza kuri miriyoni 5 kuri iyo nguzanyo niba uyemerewe.
Inguzanyo wemerewe, nk’uko bigenda ku nguzanyo dusanzwe tuzi, igira umubare w’amafaranga yishyurwa buri kwezi ndetse n’ijanisha ry’inyungu zayo. Bizirikane rero, nufata icyemezo cyo gusaba iyo nguzanyo. Hari inguzanyo zemererwa ibigo by’ubucuruzi n’izemererwa abantu ku giti cyabo.
Ni gute nakwemererwa inguzanyo cyangwa ngahabwa inguzanyo? Egera Banki, SACCO cyangwa Ikigo cy’Imari Iciriritse (MFI) bakubwire ubwoko bw’inguzanyo batanga. Niba muri iki gihe utari umukiriya, ushobora kugana ikigo cy’imari icyo aricyo cyose kugira ngo umenye byinshi kuri serivisi gitanga.
Ibigo byinshi bizagusaba kwandika ibaruwa isaba iherekejwe n’inyandiko za ngombwa nk’ishusho y’ibaruramari, imibare y’agateganyo y’amafaranga yinjira n’asohoka n’icyemezo cy’iyandikwa ry’ikigo cy’ubucuruzi, ugomba rero kubanza gushyira inyandiko zose za ngombwa ku murongo.
I have a good (positive) credit rating, but I need more money to be able to keep my business afloat during the COVID-19 pandemic. Is there any type of loan that would help with this?
A “line of credit” or “cash credit line” is a pre-approved loan with a specific borrowing limit based on the creditworthiness of the client. The better your credit, the more you may be able to borrow.
A line of credit allows borrowers to obtain credit without re-applying each time they need a loan as long as the total of borrowed funds does not exceed the credit limit. It helps a business stay liquid during a difficult time, like that we are experiencing now.
For example, if you are allowed a line of credit of Rwf 5 million you will be able to withdraw up to Rwf 5million from that line if you are .
A line of credit, like a traditional loan, will come with monthly payments and an interest rate, so keep that in mind if you decide to apply for one. There are lines of credit available for both businesses and individuals.
How do I get a line of credit or a cash credit line? Talk with your Bank, SACCO or MFI to find out more about the products they offer. If you are not currently a client, you can reach out to any institution to learn more about what they offer.
Most will require you to submit an application along with important documents like financial statements, cash flow projects and your trade license, so make sure you have your papers in order.
