Uburyo bwo gucunga amafaranga yawe y’igicuruzo

Gucunga neza amafaranga y’igicuruzo ni ikintu cy’ingenzi kigomba gukoranwa ubuhanga na buri kigo cy’ubucuruzi gito cyose  kandi ni ingenzi kuri buri kigo cy’ubucuruzi gito guhorana  igicuruzo cyiza  kugira ngo kibashe gutera imbere.  Igicuruzo kiba cyiza  iyo amafaranga akomoka  mu byacurujwe n’ibindi byose byinjiza amafaranga bitanga amafaranga aruta asohoka mu bikorwa by’ubucuruzi nk’amafaranga agenda ku ikode, imishahara y’abakozi, n’andi mafaranga yose asohoka. Ni ingenzi cyane  kugira ngo   ubucuruzi bubashe kunguka  no kugira ngo bigufashe guhangana n’ibihe bitateganyijwe. Igicuruzo kiba kibi igihe amafaranga asohoka mu bucuruzi bwawe asumba abwinjiramo; ibyo bikaba ari ikimenyetso kigaragaza ko ikigo kiri mu ngorane. Iyo amafaranga y’igicuruzo adakwiye, ubucuruzi bwawe bushobora kugenda nabi; ibyo bikaba byatuma ugabanya ikigero ubucuruzi bwari bugezeho ndetse ukaba wanabuhagarika.

Ingamba zo kuguma mu rugo zo gukumira ikwirakwira rya COVID-19 zatumye byinshi mu bigo by’ubucuruzi mu Rwanda bigira igicuruzo kibi umwaka ushize. Hejuru ya ba rwiyemezamirimo 57% ntibakoraga kugeza kuwa [ andika itariki] nk’uko bivugwa na [ andika aho wavanye aya makuru] naho ba rwiyemezamirimo 42.5%  barakoraga. Ba rwiyemezamirimo 35.8%  baracyagurisha ariko bakaba bafite igicuruzo kibi.

Ku bw’amahirwe, haracyari ingamba nyinshi ikigo cy’ubucuruzi cyawe gishobora gufata kugira ngo kibashe guhangana n’ibibazo bikomeye bijyanye n’ingano y’amafaranga y’igicuruzo. Zimwe muri izo ngamba ni izi zikurikira:

Kora inyemezabuguzi  uko bikwiye.

Gukora inyemezabuguzi ni kimwe mu bice by’ingenzi bigize ihurizo rijyanye n’micungire y’amafaranga y’igicuruzo. Ihutishe ibikorwa bijyanye n’amafaranga yinjira utanga inyemezabuguzi vuba ku buryo wabasha kwishyurwa n’abakiriya bawe mu buryo bwihuse kurushaho. Tekereza gukoresha uburyo bwo gukora inyemezabuguzi bwikoresha nk’imashini zabugenewe ku buryo wabasha kunoza umubare w’inshuro uzenguruka ukanagabanya igihe wohererezamo inyemezabuguzi. 

Huza ibitabo by’ibaruramari byawe n’igihe.

Huza ibitabo by’ibaruramari byawe n’igihe uko bishoboka kose. Ibi bishobora kugufasha kugira igitekerezo cyumvikana ku bijyanye n’uko ubucuruzi bwawe buhagaze mu rwego rw’ubukungu; ibyo bikaba byaguha umusinge uhamye washingiraho uteganya uko amafaranga y’igicuruzo uzagira azaba angana mu bihe biri imbere, bikanagufasha gufata ibyemezo by’ingenzi, no kugena ibizajya bikorwa mu bihe byiza no bihe bibi.

Zigama amafaranga ushobora kwifashisha mu bihe bikomeye.  

Kuzigama amafaranga ni ingenzi kandi ibi bishobora gukorwa iyo umuntu atangiye kunguka. Ibikorwa by’ubucuruzi bigira igihe bigenda neza n’igihe bigenda nabi- kugira amafaranga ahagije yo kongera mu yo umuntu akoresha bishobora kuba ikintu cy’ingenzi kugira ngo ubucuruzi bukomeze gukora mu bihe bibi.

Shaka amafaranga ugurisha imitungo yarengeje igihe cyangwa ibicuruzwa by’umurengera biri mu bubiko.

Rimwe na rimwe ibigo by’ubucuruzi bigira ibikoresho bidakoresha, imitungo yarengeje igihe, cyangwa ibicuruzwa by’umurengera mu bubiko bwabyo; ibyo byose  bishobora gukoreshwa neza bikinjiza  amafaranga. Ibikoresho n’ibicuruzwa biri mu bubiko bishobora gutakaza agaciro igihe hakozwe ibikoresho bishya cyangwa bitewe n’ihinduka ry’ibyo abaguzi bifuza. Hirengagijwe ko ushobora kubigurisha munsi y’igiciro fatizo cyabyo, kugurusha ibikoresho bitazakoreshwa bishobora gutuma ingano y’amafaranga y’igicuruzo yiyongera.

Tekereza uburyo washyira mu bikorwa izi ngamba mu rwego rwo kunoza imicungire y’amafaranga ikigo cy’ubucuruzi cyawe gicuruza.