Koroshya uburyo bwo gukora inyemezabuguzi

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.

  1. 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.

  1. 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.

  1. 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.

Streamlining  the invoicing process

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.  

 

 

 

 

 

 


SME Response Clinic yavuganye na Simbare Gilbert, rwiyemeza mirirmo mu Rwanda kugira ngo imenye ibibabazo yahuye nabyo bitewe n’icyorezo cya COVID-19, uburyo yahanganye nabyo ndetse n’uburyo yabikemuye.

SME Response Clinic yavuganye na Simbare Gilbert, rwiyemeza mirirmo mu Rwanda kugira ngo imenye ibibabazo yahuye nabyo bitewe n’icyorezo cya COVID-19, uburyo yahanganye nabyo ndetse n’uburyo yabikemuye.


AMI Online Bootcamp Testimonial

Amahugurwa ya AMI atangwa kuri interineti: Amasomo ku Guhangana n’Ingorane no Kwigira ku Bandi - Justine

Amahugurwa ya AMI atangwa kuri interineti: Amasomo ku Guhangana n’Ingorane no Kwigira ku Bandi

Ongera ubumenyi bwawe bwo gucunga ibikorwa by’ubucuruzi ubikesheje amahugurwa ya AMI atangwa ku buntu:

Amahugurwa: https://smeresponse.clinic/2020/07/08/ami-business-bootcamp/

 

Ubuhamya: Justine Ntaganda, Nyiri La Corniche Hotel iherereye i Rubavu na Nyabihu, na Salma Nkusi, Umuyobobozi (ni ibikorwa by’ubucuruzi by’umuryango)

Justine Ntaganda na Salma Nkusi bakorera ibikorwa bya hoteli “La Corniche” ahantu habiri mu Rwanda, Rubavu na Nyabihu. Urwego rwo gucumbira abantu n’ubukerarugendo rwagizweho ingaruka zikomeye n’icyorezo cya COVID-19 kandi muri ibi bikorwa bibiri byuzuzanya, byagaragaye ko amahugurwa yabafashishije gusubiza amaso inyuma, bakunguka ubumenyi bushya bwo gukora ubucuruzi, no gufata ibyemezo bizafasha amahoteli gutera imbere mu gihe kiri imbere.

Ni iki cyakugiriye akamaro kurusha ibindi mu mahugurwa ya AMI?

“Njyewe n’umukobwa wanjye Salma twungukiye bikomeye ku nyigisho zatanzwe na AMI. Njyewe ku giti cyanjye, inama bampaye mu masomo yerekeye imikoranire myiza, zamfashije guhitamo gukoresha uburyo bwa “One Drive” mu rwego rwo gusangira amakuru. Isomo ryerekeye gusesengura ibyo abakiriya bakeneye ni umukoro ukomeye muri iki gihe kubera ko ibyo abakiriya bakeneye byarahindutse cyane. Ni ngombwa ko dusanisha n’igihe ibikorwa by’ubucuruzi byacu kugira ngo bibashe gukomeza.” ~ Justine Ntaganda

Tubikesheje amasomo ya AMI, ubu tugenzura ibitabo by’ubucuruzi buri cyumweru, tugakurikirana amafaranga yinjiye n’ayasohotse, kandi tukaba twabazwa ku nshingano zacu. Ubu dusigaye dukorana inama ya buri cyumweru n’abakozi, tugakoresha amakuru, tugafata n’ibyemezo bitewe n’uko ibikorwa bihagaze.  Urugero: nihe dukwiye kugabanya amafaranga akoreshwa?

Aya masomo adufasha mu micungire y’ibikorwa bya buri munsi, kandi ibyo bigishije mu mahugurwa byarumvikanaga.  Ikindi, isomo rijyanye no gushyiraho intego ryari ryiza cyane. Ubu, twese hamwe nk’itsinda rimwe, turaganira, tukanatekerereza hamwe ku ntego zacu z’igihe kirekire kandi tukazishyira mu nyandiko. Ibi bidufasha kumenya ibyihutirwa no gufatira hamwe icyemezo ku bijyanye no gukurikirana iterambere ryacu twese hamwe.

“AMI imfasha gushyira mu bikorwa ibi bitekerezo byose bishya nari mfite ariko bitari byanditse, kandi bitari bifite igihe runaka cyo kubishyira mu bikorwa –Amasomo ni meza cyane, kandi no kwita ku bijyanye n’ingengo y’imari y’ikigo nacyo ni ikintu tugomba gukora mu rwego rwo gukorana n’amabanki kugira ngo tubone amafaranga.” ~ Salma Nkusi

Ni gute AMI yagufashije?

Kuri njye, byabaye nko gusubira ku ishuri, bimfasha gutera imbere ku giti cyanjye, bigirira n’akamaro ibikorwa by’ubucuruzi byacu. AMI ntiyadufashije gukora ingengo y’imari gusa, ahubwo yanadufashije kumenya kuganira n’abakozi kugira ngo basobanukirwe impamvu dufata ibyemezo bijyanye n’imari tuba tugomaba gufata.

Ikindi kintu cy’ingenzi AMI yadufashijemo ni uburyo bw’imitekereze ya buri munsi bise “New Rise”. Ni ubundi buryo bwo gutangira umunsi wawe usukura ibitekerezo byawe, imihumekere, ukanategura gahunda yawe aho gukanguka umeze nk’aho ibintu byose ukora bigutunguye.

Ongera ubumenyi bwawe bwo gucunga ibikorwa by’ubucuruzi ubikesheje amahugurwa ya AMI atangwa ku buntu:

Amahugurwa:  https://smeresponse.clinic/2020/07/08/ami-business-bootcamp/

AMI Online Bootcamp: Tools for Managing Risk and Learning from Others

Improve your business management skills with AMI’s free Bootcamp and Trainings:
Bootcamp: Tuesday, July 14th, 2020 – https://www.africanmanagers.org/rwandabusinessbootcamp/ 

Testimonial: Justine Ntaganda, Owner, La Corniche Hotel in Rubavu and Nyabihu, and Salma Nkusi, Manager (it is a family business)

Justine Ntaganda and Salma Nkusi operate the “La Corniche” hotels in two locations in Rwanda, Rubavu and Nyabihu. The hospitality and tourism industry has been hard-hit by the COVID-19 pandemic and the mother-daughter team has found that the AMI trainings have provided an opportunity to take a step back, learn new business skills, and make decisions that will help the hotels to thrive in the future.

What was most valuable for you about the AMI trainings?

“My daughter Salma and I have benefited enormously from the tools shared by AMI. For me personally, the advice shared on tools for better collaboration helped us to choose to use “One Drive” to share information. The tool for analyzing clients’ needs was also an interesting exercise during this time because demand has changed a lot. It is important that we adapt and continue to do our business.” ~ Justine Ntaganda

With the AMI tools, we are now able to check our books on a weekly basis, track cashflow and be accountable. Now, we even have a meeting on a weekly basis with our staff using the data and make decisions about where we stand. Where do we need to cut, for example?

These tools are helping with day-to-day management and the trainings have provided content in an understandable way. What’s more, the session on goal setting has been very great. Now as a team we talk and think together about our long-term goals and put them in writing as well. This helps us to prioritize and to decide how we will track our progress together.

“AMI is pushing me towards the implementation of all of these new ideas that I had but weren’t written down, and didn’t have a timeline –the tools are great, and looking at budgeting of the organization is something that we need to have in place for banks in terms of funding, too.” ~ Salma Nkusi

How has AMI supported you?

For us, it has been like going back to school, only for our personal growth and for the benefit of our business. AMI has helped us create a budget, and not only that, but to learn how to communicate with our staff so that they clearly see that there are reasons that we make the financial decisions we need to make.

One other interesting area of support from AMI is their “A New Rise” daily meditation. It’s another way to start your day by clearing your mind, breathing, and planning instead of waking up and feeling as if you are just facing emergencies.

Improve your business management skills with AMI’s free Bootcamp and Trainings:

Bootcamp: Tuesday, July 14th, 2020 – https://www.africanmanagers.org/rwandabusinessbootcamp/ 

Iyandikishe uyu munsi!/ Sign Up Today!

Ubucuruzi bwawe buri mu rwego rw'ubukerarugendo n'ama hoteli?

Hatangijwe Umwiherero ku mirimo y’ubucuruzi ikorwa hifashishijwe ikoranabuhanga mu Rwanda

Hatangijwe Umwiherero ku mirimo y’ubucuruzi ikorwa hifashishijwe ikoranabuhanga mu Rwanda

Ku wa Kabiri, tariki ya 12 Gicurasi 2020, abahagarariye ibigo bito by’ubucuruzi mu Rwanda byo mu nzego zinyuranye kandi bitandukanye mu bunini bw’ibikorwa by’ubucuruzi bikora bitabiriye Umwiherero ugamije Kuzahura Ubucuruzi wateguwe n’Ikigo Nyafurika gishinzwe Icungamutungo (AMI).

Jean Bosco Iyacu wo mu kigo Access to Finance Rwanda (AFR), ni we wafunguye uwo mwiherero witabiriwe hakoreshejwe ikoranabuhanga atanga ubutumwa bwo kwisungana basuzumwa uko Ibigo Bito n’Ibiciriritse (SME) byabasha guhangana n’ibihe bikomeye no kwiga ku ishusho y’Ibigo Bito n’Ibiciriritse mu Rwanda.

Muri uwo mwiherero, ibiganiro bizatangwa mu rurimi rw’Ikinyarwanda ku wa Kane, tariki ya 14 Gicurasi 2020, bizasuzuma uburyo ubucuruzi bwakomeza hubahirizwa ingamba n’amabwiriza by’ingirakamaro mu igenamigambi mu gihe cy’Icyorezo cya COVID-19. Muri izo ngamba n’amabwiriza harimo:

  • Guteganya ingamba wafatira ubucuruzi ukora – ni gute ukemura ibibazo byerekeye abakiriya, abagemura ibicuruzwa, ibikorwaremezo, abakozi n’uko ugenzura amafaranga winjiza n’ayo usohora? Ese ubucuruzi buzabangamirwa gute nindamuka mfunze cyangwa ubucuruzi bugakendera mu byumweru bibiri? Nibimara amezi abiri bizagenda bite?
  • Gusuzuma ingaruka zishingiye ku kigo – gusuzuma ibyiciro bitandukanye by’ibigo by’ubucuruzi, ingorane bihura na zo n’uburyo bigerageza kubyitwaramo. Ni iki wakora niba udashobora kubona ibicuruzwa ushyira mu iduka ryawe, cyangwa ibyo ugurisha abakiriya bakugana?
  • Ingaruka ku mafaranga winjiza n’ayo usohora – icyo wakora mu gihe amafaranga winjiza n’ayo usohora agizweho ingaruka n’ifunga ritateganyijwe cyangwa igihe ingano y’amafaranga winjiza n’ayo usohora iri ku gipimo cyo hasi.

Ni iki abitabiriye umwiherero babivuzeho?

“Izi ni zimwe mu ngamba ziboneye tuzifashisha.”

“Turashimira AMI n’itsinda ryateguye uyu mwiherero kubera ko wagenze neza  kandi wagize ibyo utwungura.”

Abitabiriye umwiherero bose bazagezwaho ibikoresho bifashisha nk’impapuro zigaragaza igenamigambi ry’amafaranga yinjira n’asohoka, zateguwe na AMI, kugira ngo zifashishwe mu kubunganira mu bikorwa byabo by’ubucuruzi. Ibyo bikoresho bitangirwa ubuntu kandi byateguwe by’umwihariko hasesengurwa ibibazo bivuka mu gihe cy’Icyorezo cya COVID-19 kandi bikubiyemo n’amasomo y’inyongera.

Ibi bikoresho n’ibiganiro byatanzwe ni ingirakamaro kubera ko icyorezo gishobora gukomeza kubangamira Ibigo Bito n’Ibiciriritse mu Rwanda – no hirya no hino ku isi – kuko igihe kizamara kitazwi. Nk’uko Diederik Wokke wo muri AMI abibona, ibigo byinshi bito byabanje gutekereza ko bizagirwaho ingaruka mu byumweru bibiri gusa bya mbere ingamba zo guhagarika ibikorwa bitari iby’ingenzi zigitangira. Kubera ko ubu ibintu bitangiye kujya mu buryo ariko buhoro buhoro, ibigo biracyakeneye kubaka ubumenyi ngiro no gufata ingamba z’igihe kiri imbere gikomeje kubera abenshi urujijo.

Ibiganiro byatangiwe muri uwo mwiherero byagaragaje bimwe mu bibazo biri mu Bigo Bito n’Ibiciriritse muri iki gihe. Urugero, ingorane mu kumvikana n’abagemura ibicuruzwa zirarushaho gukomera kuko muri iki gihe ibikorwa by’ubucuruzi bigenda bifungura buhoro buhoro. Iduka rikorera mu mwanya ukodeshwa rishobora kuba ryararushijeho koroherezwa mu byerekeye kwishyura ubukode mu gihe ibikorwa bitari iby’ingenzi bihagaritswe, ariko ubu ibintu biragenda bihinduka uko mu gihugu ibikorwa bigenda bikomorerwa.

Mu gusoza, haracyari ibibazo byinshi mu myishyuranire no guhererekanya amafaranga kubera ingamba zo kubahiriza intera hagati y’abantu mu buryo bwose bushoboka. Ibigo byinshi byahisemo kwishyurana hakorehejwe ikoranabuhanga ku buryo bikiri kwimenyereza izo mpinduka.

Icyakora, kubera igenamigambi, imicungire ndetse n’amikoro akenewe nk’aboneka mu Bigo Bito n’Ibiciriritse mu buryo n’ingamba bifite byo guhangana n’ibihe bikomeye, ibigo bito bizarushaho kugira amahirwe yo kutazahazwa n’ingaruka z’iki cyorezo.

Shakisha amakuru arambuye ku masomo tuzabagezaho ubutaha, usura “Expanding My Skills” ku rubuga rwa SME Response Clinic no kuri Facebook.

Rwandan Online Business Bootcamp Launched

On Tuesday, May 12th, small businesses in Rwanda from different sectors and with different business sizes joined the FREE “Business Survival Bootcamp”  facilitated by the African Management Institute (AMI).

Jean Bosco Iyacu of Access to Finance Rwanda (AFR), opened the webinar with a message of solidarity for the SME Response Clinic and SMEs in Rwanda.

The webinar, which will be held in Kinyarwanda on Thursday, May 14th, takes businesses through important tools for planning during the COVID-19 pandemic. These include:

    • Scenario planning for your business – how do you deal with issues regarding customers, suppliers, infrastructure, staff and cash flow? How will these be affected if I close or have slow business for two weeks? What if it is two months?
    • Organizational risk assessments – looking at the different dimensions of business, the risks they face, and how to mitigate them. What do you do if you can’t get the goods you need for your store, or supply your customers?
    • Impact on cash flow – what to do if and when your cash flow is affected by an unexpected closure or low period.

WHAT PARTICIPANTS HAD TO SAY

“These will be great resources to use.”

“Thanks AMI and team for this lovely webinar and the resources.”

 

All participants are given access to tools, such as cash flow planning spreadsheets, from AMI to use to help in their own businesses. These resources are free and designed specifically to navigate the issues in the COVID-19 pandemic, and include additional courses.

These tools and conversations are important given that the pandemic is likely to continue to affect SMEs in Rwanda – and around the world – for an unknown period of time. According to Diederik Wokke of AMI, many small businesses originally thought they would be affected for just the first two weeks of the lockdown. Now that the situation is stabilizing but slowly, businesses still need to build these skills and plan for a more uncertain future.

Conversation during the training highlighted some of the questions that SMEs have right now. For example, supplier negotiation is becoming more difficult now that businesses are able to open little by little. A shop renting a space may have had more flexibility in terms of payment during the lockdown, but this is changing as the country opens.

Finally, there are still many questions around payments and transferring to contactless mechanisms as much as possible. Many businesses are switching to digital payments and are still in the learning phase.

But with planning, management, and resources like those available from the SME Response Clinic, small businesses will be more likely to survive this pandemic.

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