KachecheMusa

Ese byarakugoye gutandukanya ubuzima bwo ku kazi n’ubuzima bwo mu rugo kuva icyorezo cyatangira? Dore inama zafasha abacuruzi bato gushyiraho imbibi z’ubuzima.

Kinyarwanda
English

Kuva icyorezo cyatangira, ibigo by’ubucuruzi bito byahanganye n’ibibazo bitarangira byo guhagarika ibikorwa byabyo bitewe n’ingamba za guma mu rugo kimwe n’izindi ngamba zigamije gukumira ikwirakwira ry’icyorezo. Kuri byinshi mu bigo by’ubucuruzi, ibikorwa byabyo byagiye mu ikoranabuhanga, ibyo bigatuma bigomba kuba biri buri gihe ku murongo w’itumanaho amasaha 24 kuri 24 mu cyumweru cyose. Izi mpinduka zatumye bikomerera benshi mu bafite ibikorwa by’ubucuruzi gushyiraho imbibi hagati y’ubuzima bwo ku kazi n’ubuzima bwabo bwite; ibyo bikaba byagombye kuba urufunguzo rutuma ikigo cy’ubucuruzi gikora neza bikanazana umwuka wo kumva umuntu amerewe neza.

Dore zimwe mu nama zagufasha gushyiraho imbibi z’ubuzima bwiza, ibyo bikagufasha guhorana ingoga, gukorana umurava, no gutanga umusaruro.

Niba ukora mu iduka cyangwa ahandi hantu, fata umwanya wo gutekereza uri mu nzira werekeza cyangwa uva mu bucuruzi bwawe. Benshi mu bacuruzi batangiye kugenda n’amaguru berekeza cyangwa bava mu rugo kugira ngo birinde ibibazo bijyanye no gutwara abantu n’urucucike rw’abantu. Koresha iki gihe neza wibaza ku byagenze neza uwo munsi, utekereza ku ngorane wahuye nazo n’uburyo wazikuyemo kandi unategura ibintu ugomba gutegereza imbere. Ibi bitekerezo by’akanya gato bishobora kugufasha kugumya kugenzura ibikorwa by’ubucuruzi bwawe, ukagumya kugira ibyiringiro bizima, ari nako bikubuza gutekereza cyane ku bibazo bijyanye n’akazi igihe uri mu rugo.
Niba ukorera mu rugo, shyiraho amasaha y’akazi ko mu biro- teganya ibiruhuko byo gufatiramo amafunguro n’akaruhuko gato uri kure ya mudasobwa yawe cyangwa telefoni yawe. Inanure cyangwa utembere akanya gato nyuma ya buri saha cyangwa y’amasaha 2. Izi ntera zishobora gutuma utarangara bya hato na hato, ukanagabanya n’igihe gipfa ubusa. Imyitozo no gufata amafunguro ahoraho na byo ni ingenzi kugira ngo ubashe kugira ibitekerezo bitanga umusaruro.
Gukorera mu rugo byahindutse ibintu abantu benshi badashobora kwirinda, kandi noneho ibyo bigatuma abantu bumva ko akazi gasimbura ubuzima bwo mu rugo. Mu rwego rwo kwirinda ibingibi, shyiraho ahantu hihariye ho gukorera. Gushyira akameza gato cyangwa ameza manini ahantu hihariye hagenewe gukorerwa gusa bishobora gutuma umuntu yumva yitaruye, ibyo kandi bikanamufasha kugaruka mu buzima bwe bwite igihe amaze gukora akazi k’umunsi. Ibyo binaha umuryango ikimenyetso cy’uko umuntu ari mu kazi bikanagabanya ibintu byose bishobora kumubuza gukora.

Nubwo ari nta n’imwe muri izi nama zakemura imbogamizi zo kugera ku gipimo gikwiye hagati y’akazi n’ubuzima ubwayo, kuzitabira ni umwanya mwiza wo gutangira. Tumenyeshe uko zikora ku bikwerekeyeho wifashishije iyi imeyili: musakacheche@consumercentrix.ch

Has it been tough to separate work and home life since the start of the pandemic? Here are tips for small business owners to create healthy boundaries.

Since the pandemic started, small businesses have dealt with ongoing disruptions in business activities caused by lockdowns and other preventative measures. For many, operations have gone virtual, which can lead to being online 24/7. These changes have made it hard for many business owners to set boundaries between work and personal life, which is key to a successful business and a sense of well-being.

Here are a few tips to help you set healthy boundaries, which can help keep you energized, motivated, and productive.

If you are working from a shop or other location, take time to reflect on your way to and from your business. Many business owners have begun walking to and from home to avoid transportation issues and crowding. Use this time well by asking yourself what went well for the day, thinking about any challenges you faced and how you responded to them and planning something to look forward to. This quick reflection can help you stay on top of your business activities, maintain a positive mindset, and avoid worrying about work when you are home.
If you are working from home, set office hours—schedule breaks for meals and a quick break from your computer or phone. Stretch or take a short walk once every hour or two. These steps can make you less vulnerable to distractions, eliminating wasted time. Exercise and regular meals are also important to a productive mindset.

Home offices have become inevitable for many, and unfortunately, can lead to feeling like work is taking over your home. To avoid this, create a designated space in your home to work. A small table or desk in a specific spot used just for work can create this sense of physical distance, making it easier to return to your personal life when the work day is done. It will also send a signal to your family that you are working and minimize the likelihood that you are disrupted.

While none of these tips will solve the challenges of achieving a good work-life balance on their own, they are a strong place to start. Let us know how they work for you via this email musakacheche@consumercentrix.ch.

Interested in enhancing your business’ digital footprint? Apply for the Digital Launchpad program today!

Norwegian Agency for Development (NORAD), in partnership with Africa118, is inviting entrepreneurs to apply for the digital launchpad program. The program will support over 3,000 small and medium-sized enterprises (SMEs) in six African countries including 250 in Rwanda with access to training in financial literacy, digital marketing, and investment readiness as well as support with e-commerce and access to financing. The Digital Launchpad project targets SMEs with less than 50 employees and limited digital marketing expertise with a particular focus on businesses involved in export, agribusiness, and fisheries and agriculture, among others.

Why should you join the program?  

By joining the program, your enterprise will benefit from the following support:   

Receive in-depth digital skills and financial literacy training
Engage in digital marketing campaigns to grow your business

Develop a professional website and a business profile to improve your online visibility
Access to professional emailing services on Google workspace
Participate in expert business mentorship and coaching
Receive assistance in building business networks

Who is eligible?  

The program is open to SMEs that meet the following criteria:  

Legally registered businesses in either Kenya, Ethiopia, Uganda, Tanzania, Rwanda, or Ghana

Employ less than 50 staff
Possess limited digital marketing expertise
Confirm availability to attend the scheduled training, coaching acceleration, and mentorship activities
Demonstrate the willingness to contribute 50% of the cost ($200) for services offered in year 2 and 100% of the cost ($400) for assistance in year 3 
Commit to participate for the entire 3-year program duration from 2021 to 2023

NB: The program will give priority to women and youth-owned businesses. 

How to apply

Eligible enterprises can apply here. 

Applications are received on a rolling basis.

For more information contact:  

Phone: +254 729 905156

Email:  digitalaunchpad@africa118.com 

Visit: https://digitalaunchpad.africa118.com

Has it been tough to separate work and home life since the start of the pandemic? Here are tips for small business owners to create healthy boundaries.

English
Kinyarwanda

Here are a few tips to help you set healthy boundaries, which can help keep you energized, motivated, and productive.

If you are working from a shop or other location, take time to reflect on your way to and from your business. Many business owners have begun walking to and from home to avoid transportation issues and crowding. Use this time well by asking yourself what went well for the day, thinking about any challenges you faced and how you responded to them and planning something to look forward to. This quick reflection can help you stay on top of your business activities, maintain a positive mindset, and avoid worrying about work when you are home.
If you are working from home, set office hours—schedule breaks for meals and a quick break from your computer or phone. Stretch or take a short walk once every hour or two. These steps can make you less vulnerable to distractions, eliminating wasted time. Exercise and regular meals are also important to a productive mindset.

Home offices have become inevitable for many, and unfortunately, can lead to feeling like work is taking over your home. To avoid this, create a designated space in your home to work. A small table or desk in a specific spot used just for work can create this sense of physical distance, making it easier to return to your personal life when the work day is done. It will also send a signal to your family that you are working and minimize the likelihood that you are disrupted.

Ese byarakugoye gutandukanya ubuzima bwo ku kazi n’ubuzima bwo mu rugo kuva icyorezo cyatangira? Dore inama zafasha abacuruzi bato gushyiraho imbibi z’ubuzima.

Dore zimwe mu nama zagufasha gushyiraho imbibi z’ubuzima bwiza, ibyo bikagufasha guhorana ingoga, gukorana umurava, no gutanga umusaruro.

Niba ukora mu iduka cyangwa ahandi hantu, fata umwanya wo gutekereza uri mu nzira werekeza cyangwa uva mu bucuruzi bwawe. Benshi mu bacuruzi batangiye kugenda n’amaguru berekeza cyangwa bava mu rugo kugira ngo birinde ibibazo bijyanye no gutwara abantu n’urucucike rw’abantu. Koresha iki gihe neza wibaza ku byagenze neza uwo munsi, utekereza ku ngorane wahuye nazo n’uburyo wazikuyemo kandi unategura ibintu ugomba gutegereza imbere. Ibi bitekerezo by’akanya gato bishobora kugufasha kugumya kugenzura ibikorwa by’ubucuruzi bwawe, ukagumya kugira ibyiringiro bizima, ari nako bikubuza gutekereza cyane ku bibazo bijyanye n’akazi igihe uri mu rugo.
Niba ukorera mu rugo, shyiraho amasaha y’akazi ko mu biro- teganya ibiruhuko byo gufatiramo amafunguro n’akaruhuko gato uri kure ya mudasobwa yawe cyangwa telefoni yawe. Inanure cyangwa utembere akanya gato nyuma ya buri saha cyangwa y’amasaha 2. Izi ntera zishobora gutuma utarangara bya hato na hato, ukanagabanya n’igihe gipfa ubusa. Imyitozo no gufata amafunguro ahoraho na byo ni ingenzi kugira ngo ubashe kugira ibitekerezo bitanga umusaruro.
Gukorera mu rugo byahindutse ibintu abantu benshi badashobora kwirinda, kandi noneho ibyo bigatuma abantu bumva ko akazi gasimbura ubuzima bwo mu rugo. Mu rwego rwo kwirinda ibingibi, shyiraho ahantu hihariye ho gukorera. Gushyira akameza gato cyangwa ameza manini ahantu hihariye hagenewe gukorerwa gusa bishobora gutuma umuntu yumva yitaruye, ibyo kandi bikanamufasha kugaruka mu buzima bwe bwite igihe amaze gukora akazi k’umunsi. Ibyo binaha umuryango ikimenyetso cy’uko umuntu ari mu kazi bikanagabanya ibintu byose bishobora kumubuza gukora.

Interested in advertising your business on social media? Start here!

A common mistake many business owners make when exploring into the world of social media for the first time is failing to define clear goals. With COVID-19 pushing more businesses online and platforms being flooded with other brands, it’s more important than ever to identify what you want to achieve so that you can take the needed steps to see your brand thrive online!

Social media platforms popular among businesses include Instagram, Facebook, Twitter, and LinkedIn. They can be used to drive business growth by increasing brand awareness (the number of people who know about your business), enhancing your brand reputation (improving their view of what you offer) and growing your revenue (by leading to new sales).

Your objectives for promoting your business on social media should be SMART:

Specific: Setting a specific and clear goal to ‘reach 200 new followers’ is more useful than having a goal of ‘increasing followers’ and can help you track your progress. 
Measurable: ‘Increase revenue’ is not a goal unless you have a metric to measure your success. Some social media metrics include the number of likes, followers, and shares you reach on a particular platform (see below for more on these).
Attainable: Your goals should be challenging but be within reach. If you currently have 500 followers, a realistic target would be to reach 600 followers within two months, not 2000.

Relevant: Understand how your goal will benefit your business and make sure it meets your needs. If your business is targeting professionals, it may make more sense to advertise on a platform like LinkedIn. If it targets everyday consumers, Facebook and Instagram may be more appropriate.
Timely: Include a deadline for your goals so that you keep motivated and know when to see your success.

Once you have set objectives, the next step is to begin posting! Once you do that, you’ll want to measure the success of your social media performance. This will help you understand what kinds of posts are most popular and on which platforms.

Some common metrics you’ll want to track include:

Social Sharing: When a user reposts or sends your content/post to their networks and connections.

Impressions: Impressions are the number of times a post from your page is displayed.
Post Reach: the number of people who saw your post in their newsfeed.

You may want to think about using social media platforms not only to advertise but also to understand where you can do better. A few ideas include asking social media users to rate from 0 to 10 how likely they are to recommend your product or service or to ask about their level of satisfaction with a particular product or service (such as whether they are “Very unsatisfied”, “Unsatisfied”, “Neutral”, “Satisfied” or “Very Satisfied”). This kind of information can help you make tweaks that can bring your business to the next level.

Streamlining the invoicing process 

Streamlining  the invoicing process 

English
Kinyarwanda

While invoicing may not be the most enjoyable part of running a business, it is crucial to keep any company running. With the pandemic creating many challenges in cash flow management, it is now more important than ever to have a strong invoicing system. Here are three tips to improve your invoice management. 

1. Establish clear payment terms 

Before entering into a contract or payment agreement with a client, make sure to explain your payment terms and policies to them. For example, if your terms are to receive payment within 15 days of issuance, let them know that up front. This allows your clients to avoid unwelcome surprises and fees when they receive invoices. Establishing this level of transparency also helps to build a stronger relationship with your clients. 

2. Know your clients 

To ensure you receive payments in a timely and convenient manner, it is important to understand how your client behaves and their concerns and needs.  Do they have a particular time of the week or month when they receive payment from an employer or their own clients? Do they prefer paying via cash or mobile money?  Having a brief conversation with your clients can allow you to tailor payment terms to their cash flows and preferred methods of payment, which will make it easier for you to collect what is due. This can also help you understand when  clients  might  require new deliveries of your product or services. 

3. Go digital 

As businesses start shifting online, many companies expect digital payment solutions that allow them to make payments at any time from anywhere. Providing an online payment solution can save time in the invoicing process, allowing you to focus more on other important tasks. Digital solutions can also help you increase savings by reducing your expenses on delivery fees, paper costs, or additional staff or programs to handle the invoicing process. 

Some useful online invoicing platforms include  Zoho Invoice and  Pesapal,  that help you automate, track and organize payments.  

Koroshya uburyo bwo gukora inyemezabuguzi

Nubwo gukora inyemezabuguzi bishobora kuba atari cyo gice cy’ubucuruzi gishimishije kurusha ibindi, gukora inyemezabuguzi ni ingenzi ibyo ari byo byose kugira ngo sosiyete iyo ari yo yose ibashe kugumya gukora. Kubera ko icyorezo cyateye imbogamizi nyinshi mu micungire y’imikoreshereze y’amafaranga, ubu ni ingenzi kurusha mu bihe byose byahise, kugira uburyo bwo gukora inyemezabuguzi bukora neza. Hari uburyo butatu bwo kunoza imicungire y’inyemezabuguzi yawe.

Gushyiraho uburyo bwo kwishyura bwumvikana

Mbere yo gukora amasezerano cyangwa kugira ubwumvikane mu bijyanye no gukora ubwishyu n’abaguzi bawe, ugomba kubasobanurira uburyo wifuza ko ubwishyu bwakorwa na politiki yawe. Urugero, niba ibyo wifuza ari uko wakwishyurwa mu minsi 15 umaze gutanga inyemezabwishyu, bibamenyeshe mbere. Ibi bifasha abakiriya bawe kudahura n’ibibazo no kudacibwa amafaranga mu buryo butunguranye kandi butabashimishishije mu gihe babonye inyemezabuguzi. Gushyiraho iki kigero cyo gukorera mu mucyo kandi bifasha ikigo cy’ubucuruzi kubaka imikoranire ihamye hagati yacyo n’abakiriya bacyo.

Menya abakiriya bawe

Kugira ngo ubashe kwishyurirwa ku gihe no mu buryo bukwiye, ni ngombwa kumva imyitwarire y’abakiriya bawe n’ingorane zabo n’ibyo bakeneye. Ese bagira igihe runaka mu cyumweru cyangwa mu kwezi bishyurirwaho amafaranga n’umukoresha cyangwa n’abakiriya babo bwite? Ese bumva bifuza kwishyura bakoresheje amafaranga cyangwa bakoresheje ikoranabuhanga? Kugirana ikiganiro kigufi n’abakiriya bawe bishobora gutuma ubasha guhuza uburyo bwawe bwo kwishyurwa n’uburyo babonamo amafaranga ndetse n’uburyo bifuza kujya bishyura; ibyo bikazagufasha kwishyuza amafaranga bakugomba. Ibyo kandi bishobora kugufasha kumva igihe abakiriya bakeneye ko ubaha ibindi bicuruzwa cyangwa izindi serivisi nshya.

Koresha ikoranabuhanga

Kubera ko ubucuruzi butangiye kugenda bukoresha ikoranabuhanga, sosiyete nyinshi z’ubucuruzi ziba zitegereje kwishyurwa hakoreshejwe uburyo bw’ikoranabuhanga kuko buzifasha kwishyurwa igihe icyo ari cyo cyose n’ahantu aho ari ho hose. Gushyiraho uburyo bwo kwishyurwa bukoresha ikoranabuhanga bituma umuntu adatakaza umwanya mu gukora inyemezabwishyu, ibyo bigatuma yibanda cyane ku yindi mirimo y’ingenzi. Ibisubizo bikoresha ikoranabuhanga bishobora kandi gufasha umuntu kuzigama amafaranga asanzwe akoresha mu bijyanye no kugeza ibicuruzwa ku baguzi, amafaranga y’impapuro cyangwa amafaranga agenda ku bakozi b’inyongera cyangwa kuri gahunda zijyanye n’uburyo bwo gukora inyemezabuguzi.

Bumwe mu buryo bw’ingenzi bukoreshwa mu gukora inyemezabuguzi hakoreshwa ikoranabuhanga burimo Zoho Invoice na Pesapal igufasha gushyiraho uburyo bwo kwikoresha , gukurikirana, no kugenzura ibyerekeranye n’ubwishyu.

SheTrades Hub, a new resource for women entrepreneurs in Rwanda, will launch September 2nd - join an upcoming webinar to learn more!

SheTrades Hub, a new resource for women entrepreneurs in Rwanda, will launch September 2nd – join an upcoming webinar to learn more!

The SheTrades Hub, a business resource for women-owned businesses in Rwanda, will launch on September 2nd 2021. The SheTrades Hub will provide access to 100+ trade-related resources that women entrepreneurs can use to improve their competitiveness and connect to new markets and will also provide direct access to markets and investment opportunities.

The SheTrades Hub is being launched by the International Trade Center in partnership with the Rwandan Ministry of Trade and Industry and the Private Sector Federation Women Chamber of Entrepreneurs. This hub will join a network of more than 10 SheTrades Hubs across Africa, Asia and Latin America and is part of the International Trade Centre’s (ITC) SheTrades Initiative.

To learn more, join an upcoming webinar on September 2nd 2021, at 10 am CAT. Sign up here: SheTrades Hub Launch Rwanda

Four tips to help you to manage your business with the ongoing curfew.

English
Kinyarwanda

Communicate changes in work schedules to your customers, employees and business partners like suppliers. Consider opening a bit earlier and closing sooner to allow both customers and employees to have more time to get home, and if you do, make sure you get that message out across various channels Call some of your main customers, or communicate through WhatsApp or social media.
Tap into delivery services for your products. Your customers may not get time to visit your shop since they are also busy managing work, family and household needs, and looking our for their health. Provide an option of delivering your products to their workplaces or homes where it is safe to do so.
If you can, think about having employees come in to work in shifts. Have all or some of them work from home and support them to adjust to their new working environment. Consider providing them with work tools such as internet to facilitate their work and also communication.

Get active on social media. People are spending more time on the internet than ever, so there is a growing opportunity to reach new and existing customers through this channel. Here are a few tips to kick start your social media marketing

New ideas? Feedback for us? Feel free to share with us s at musa.kacheche@consumercentrix.com.

Inama 4 zagufasha gucunga ubucuruzi bwawe mu gihe hakiriho ingamba zo kuba abantu bategetswe kugera mu rugo mu masaha runaka

Menyesha abakiriya bawe, abakozi bawe, n’abafatanyabikorwa bawe nk’abakugemurira ibicuruzwa impinduka zigenda ziba muri gahunda z’akazi kawe. Shaka uburyo wajya ufungura ibikorwa by’ubucuruzi mbere kandi ubifunge hakiri kare kugira ngo abakozi n’abakiriya bawe babashe kugerera imuhira ku gihe kandi ibyo ni ubikora,ugomba kubibamenyesha wifashisije uburyo bunyuranye bw’ihanahana makuru. Hamagara bamwe mu bakiriya bawe b’ingenzi, cyangwa utange ubutumwa ukoresheje Whatsapp cyangwa imbuga nkoranyambaga.
Koresha neza serivisi zawe zo kugeza ku bantu ibicuruzwa byawe. Abakiriya bawe bashobora kutabona umwanya wo kuza ku iduka ryawe kubera ko baba nabo bahuze bacunga akazi kabo, imiryango yabo n’ibikenewe mu ngo zabo, banita ku buzima bwabo. Shyiraho uburyo bwo kugemura ibicuruzwa byawe aho bakorera cyangwa mu ngo mu gihe kubikora bidahungabanya umutekano.
Niba ubishoboye, tekereza uburyo abakozi bawe bajya baza ku kazi basimburana. Kora ku buryo bose cyangwa bamwe muri bo bakorera mu ngo zabo kandi ubafashe kujyana n’uburyo bushya bwo gukora. Shaka uburyo wabaha ibikoresho by’akazi nka murandasi kugira ngo iborohereze akazi no guhanahanamakuru.

Koresha cyane imbuga nkoranyambaga. Abantu bakoresha murandasi muri iki gihe kurusha mbere, bityo rero hari amahirwe agenda arushaho kwiyongera yo kugera ku bakiriya bashya n’abasanzwe ukoresheje uyu muyoboro. Dore zimwe mu nama zagufasha gutangira iyamamazabikorwa rikoresha imbuga nkoranyambaga

Ibitekerezo bishya? Bitumenyeshe? Bitugezeho mu bwisanzure unyuze kuri imeyili ikurikira: musa.kacheche@consumercentrix.com.

Kin KCB Landing Page

Abafatanyabikorwa ba KCB Rwanda hamwe na SME Response Clinic

“Twishimiye kuba turi kumwe muri ibingibi. Turifuza kwizeza abakiriya bacu ko tureba kure. Mukomeze mwitange.”

GEORGE ODHIAMBO, UMUYOBOZI MUKURU WA BANKI YA KCB RWANDA

Cunga Imari yawe ubifashijwemo na KCB

Electronic Warehouse Receipts Finance (eWRsF)

Inguzanyo ya Zamuka Muhinzi

Imari y’umutungo mu rwego rw’ikoranabuhanga rikoreshwa mu mazu yo guhingamo indabo

Ishoramari rishingiye ku mutungo

Kuri Biashara yawe

Ukorana umwete mu byo ukora, ntugira ubwoba mu byo ukora, ureba imbere, ushakisha amahirwe, uhora witeguye kugenda; niba icyo cyivugo gihuye n’imigambi yawe, na Biashara yawe, emera Banki ya KCB iguherekeze mu rugendo rwawe rwo kwiyemeza imirimo maze mujyane, komeza maze urusheho gutera indi ntambwe ijya ejuru.

Egera KCB

+250788140000

contactus@rw.kcbbankgroup.com

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KCB Landing Page

KCB Rwanda Partners with the SME Response Clinic

“We appreciate that we are in this together. We want to assure our customers that we are looking long-term. Keep engaging.”

GEORGE ODHIAMBO, MANAGING DIRECTOR, KCB BANK RWANDA

Managing Your Finances With KCB

Electronic Warehouse Receipts Finance (eWRsF)

Zamuka Muhinzi Loan

Asset Finance in Horticulture Sub-sector Greenhouse Technology

Asset Based Financing

For Your Biashara

Driven by passion, fearless in your pursuits, forward thinking, opportunity seeking, always ready to go; if that description fits you and your Biashara, let KCB Bank walk your entrepreneurship journey and together, go ahead to scale new heights.

Contact KCB

Call us: +250788140000

contactus@rw.kcbbankgroup.com

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