Ese ujya ugira ingorane zo gukomeza ubwiza bw’ibicuruzwa cyangwa bwa serivisi utanga bitabaye ngombwa ko wongera amafaranga ukoresha? Dore bumwe mu buryo wakoresha ugabanya amafaranga ukoresha bitabangamiye ubwiza bw’ibicuruzwa cyangwa bwa serivisi itanga.

Ibigo by’ubucuruzi hafi ya byose bigira ingorane zo gukomeza ubwiza bw’ibicuruzwa cyangwa bwa serivisi bitanga bitabaye ngombwa ko byongera amafaranga bikoresha. Kugabanya amafaranga ibigo by’ubucuruzi bito bikoresha bitabangamiye ubwiza bw’ibicuruzwa cyangwa bwa serivisi bitanga  bishobora kuba ingorabahizi, ariko birashoboka iyo habayeho igenamigambi n’ishyirwa mu bikorwa byizwe neza. Zimwe mu ngamba zishobora gutekerezwaho ni izi zikurkira:

• Kunoza ibikorwa: Suzuma uburyo bukoreshwa mu kigo cy’ubucuruzi cyawe noneho urebe ibikwiye kunozwa. Ibi bishobora kujyana no gushyiramo uburyo imirimo imwe yabasha kwikora ubwayo, guhuza inshingano cyangwa gusubiramo imiterere y’imitunganyirize y’imirimo y’abakozi bawe. Urugero, mu gihe cyo gukorera abakiriya bawe  inyemezabuguzi, ushobora kubikora ku buryo uburyo bukoreshwa buba ari uburyo buhamye kandi ntihagire umukozi wo mu kigo cyawe usubiramo icyo gikorwa. Dore bimwe mu bintu bicye wakora mu rwego rwo kunoza no kubaka uburyo bwo gutanga inyemezabuguzi mu bucuruzi bwawe.
• Kugabanya amafaranga ajyanye n’imikorere rusange: Shakisha uburyo wagabanya amafaranga akoreshwa adahinduka nko kugira amasezerano y’ubukode meza, kugabanya amafaranga atangwa ku bicuruzwa nkenerwa mu mikorere (utility) cyangwa gushaka abatanga serivisi z’ubwishingizi zidahenze. Urugero, Rwanda Energy Group (REG) itanga poromosiyo ku baguze amashanyarazi (ikuba kabiri) iyo abafatabuguzu baguze umuriro mu ntangiriro z’ukwezi. Ushobora gukoresha aya mahirwe ukagabanya amafaranga wishyura amashanyarazi ugura umuriro mwinshi, bakurba kabiri maze ukazamara igihe kirekire.
• Noza imicungire y’ububiko bw’ibicuruzwa byawe: Kurikirana ingano y’ibicuruzwa byawe biri mu bubiko noneho wirinde kugiramo ibicuruzwwa by’umurengera cyangwa ibicuruzwa bidahagije. Shyira mu bikorwa uburyo bw’imicungire y’ibicuruzwa biri mu bubiko butuma ubasha gufata ibyemezo runaka ku bijyanye no kurangura no gushyira ibicuruzwa mu bubiko ufite amakuru ahagije, noza imikoreshereze y’amafaranga yinjira n’asohoka kandi uzigame amafaranga. Mu rwego rwo kunoza imicungire y’ububiko bw’ibicuruzwa byawe, ibigo by’ubucuruzi bito bishobora gukoresha uburyo bw’imicungire y’ibicuruzwa biri mu bubiko burimo ubu bukurikira: Isesengura ry’ABC, gukurikirana ibicuruzwa hakurikijwe ibyiciro bibarizwamo, ingano nyakuri y’ibicuruzwa bikwiye kugurwa, no kuba ibicuruzwa bigomba kuba biri mu bubiko mu gihe gikwiye.
• Koresha abantu bo hanze imirimo itari iy’ingenzi mu ikorwa ry’ibicuruzwa byawe : Tekereza ku buryo wakoresha abantu bo hanze y’ikigo cy’ubucuruzi cyawe imirimo itari iy’ingenzi mu ikorwa ry’ibicuruzwa ikigo cyawe gikora nk’ibaruramari, iyamamazabikorwa, cyangwa ubufasha bwo mu rwego rwa IT. Ibi bishobora kugufasha kuzigama amafaranga ahembwa abakozi ahubwo ukibanda ku bushobozi rusange bw’ikigo cyawe. Koresha ahubwo abantu bikorera ku giti cyabo igihe cyose ari ngombwa.
• Shyiraho ingamba z’iyamamazabikorwa zitanga umusaruro kandi zidahenze: Koresha imiyoboro y’iyamamazabikorwa ikoresha ikoranabuhanga nk’imbuga zihuriraho abantu benshi, iyamamazabikorwa rikorwa hifashishijwe imeyili, no kunyuza ubutumwa kuri interineti; ibyo bikaba bihendutse kandi bikora neza kurusha uburyo busanzwe bwo kwamamaza ibicuruzwa bukorerwa nko kuri radiyo cyangwa mu bitangazamkuru byanditse. Amamaza ibikorwa byawe unyuze kuri Facebook ( irazwi cyane mu Rwanda) kandi ukore iyamamazabikorwa rijyanye  n’amatsinda runaka yihariye y’abantu bashobora kuba abaguzi b’ibicuruzwa n’aba serivisi zawe.
• Kora imishyikirano n’abo uranguraho ibicuruzwa: Ubaka umubano ukomeye n’abo uranguraho ibicuruzwa kandi mwumvikane ku biciro byiza cyangwa ku buryo bwiza bwo kwishyurana. Shakisha uburyo bwo kurangura ibintu byinshi bakugabanyiriza igiciro cyangwa ujye mu itsinda rigura ibicuruzwa kugirango ubashe kurangura ku giciro cyiza.
• Shishikariza abakozi gukunda akazi: Abakozi bakunda akazi batanga umusaruro mwinshi kandi bashobora gutuma uzigama amafaranga mu gihe kiri imbere. Imakaza gukorera ahantu hari umwuka w’akazi mwiza, tanga amahirwe yo gukura no gutera imbere kandi ushimire abakozi uruhare bagira mu bikorwa by’ikigo cyawe. Hemba abakozi bakoze ibikorwa by’indashyikirwa mu kazi kabo kandi utange n’ibihembo bitari amafaranga nk’ibyumba byo gufatiramo ibiruhuko n’amafunguro ya kumanywa.
• Kora isuzuma rya buri gihe kandi uhuze ikigo cy’ubucuruzi cyawe n’igihe: Hora usuzuma buri gihe ingamba zawe zo kugabanya amafaranga ikigo cyawe gisohora kandi uzihuze n’igihe buri gihe cyose bikenewe. Kurikirana amakuru ajyanye n’icyerekezo cy’urwego rw’imirimo ukoreramo n’imigenzereze myiza kugirango ikigo cyawe kigumye kibashe guhigana no gukora neza. Korana buri gihe n’inzego zishinzwe ubugenzuzi bwo mu rwego rw’imari kugirango ubashe kumenya amabwiriza mashya nka politiki nshya zijyanye n’imisoro n’amahoro bishyirwaho ( ayashyizweho mu bihe bya vuba hagamijwe kugabanyiriza imisoro ibigo by’ubucuruzi bito) n’uburyo bushyirwaho  bwo guteza imbere ibigo by’ubucuruzi bito nk’Ikigega cyo Kuzahura Ubukungu.

Ibuka ko ari ingenzi kugumana ubwiza bw’ibicuruzwa n’ubwa serivisi zawe ku buryo abakiriya bawe bakomeza kuza kurushaho. Ibande ku ngamba zigamije kunoza imikorere myiza no kugabanya ibipfa  ubusa ariko ku buryo bidahungabanya uburyo  abakiriya bawe bari bazimo ikigo cy’ubucuruzi cyawe.

Bwira abandi uburyo wabashije kugabanya amafaranga ikigo cyawe gisohora kandi ukagumana ubwiza bw’ibicuruzwa n’ubwa serivisi utanga.