Imbaraga z’Ubujyanama : Impamvu ari ingenzi kuri ba Rwiyemezamirimo bagitangira imirimo
Imbaraga z’Ubujyanama : Impamvu ari ingenzi kuri ba Rwiyemezamirimo bagitangira imirimo
Gutangiza ibikorwa by’ubucuruzi bishya bishobora kuba bintu bishimisha cyane kandi binaniza. Kuri ba rwiyemezamirimo bagitangira imirimo, kunyura mu bibazo bikomeye byo mu rwego rw’ubucuruzi bishobora kuba ibintu bikomeye; bikaba byatuma urugendo ruganisha ku mikorere myiza rubatera ubwoba. Iyo bimeze gutyo, ubujyanama bugaragara nk’igikoresho gikomeye gishobora kugira ingaruka ikomeye ku cyerekezo cy’urugendo rwa rwiyemezamirimo ugitangira. Muri iyi nyandiko, twibanze ku kugaragaza uburyo ubujyanama ari ikintu gituma rwiyemezamirimo ugitangira imirimo abasha gukora neza n’uburyo rwiyemezamirimo yabasha gushaka umujyanama washobora kumushyigikira.
Dore uburyo umujyanama yabasha gufasha rwiyemezamirimo:
Kwigira ku byo umuntu yanyuzemo : Abajyanama bazana ubumenyi n’ubunanararibonye bwinshi. Bishoboka ko nabo baba baranyuze mu ngorane no mu nzitizi zimeze kimwe n’izo rwiyemezamirimo ugitangira imirimo anyuramo. Iyo babwiye abandi uko byabagendekeye, abajyanama baba batanze ibitekerezo by’ingirakamaro n’amasomo ashobora gufasha ba rwiyemezamirimo bashya kwirinda kugwa mu mitego benshi baba barakunze kugwamo bigatuma bafata ibyemezo bazi impamvu babifashe. Iyo babonye inama z’umujyanama, ba rwiyemezamirimo bashobora gufata ibyemezo bazi impamvu babifashe, bakagabanya ubukana bw’ingorane ziterwa n’amakosa atuma batanga amafaranga menshi kandi bakabasha gukoresha neza igihe n’amikoro baba bafite.
Kubaka ihuriro ry’imikoranire hagati y’abantu bakora ibikorwa bimwe rikomeye : Kenshi na kenshi, abajyanama bagira amahuriro y’imikoranire y’abantu bakora imirimo imwe yagutse mu rwego rw’imirimo bakoreramo. Kumenyana no guhuzwa bamwe n’abandi bikorwa binyuze ku mujyanama bishobora gukingurira amarembo abashobora kuba abashoramari, abakiriya, cyangwa abafatanyabikorwa. Ihuriro ry’imikoranire ry’abantu bakora imirimo imwe rikomeye rishobora kwihutisha izamuka rya rwiyemezamirimo ugitangira imirimo rikanongera amahirwe ye yo kubasha gukora neza.
Kubwira rwiyemezamirimo uko ibintu biteye mu by’ukuri : Abajyanama bashobora gutanga inama zitabogamye kandi zubaka. Bashobora gusuzuma mu buryo butabogamye ingamba za rwiyemezamirimo ugitangira, ibicuruzwa cyangwa serivisi ze; bakanareba ahari ibibazo hakwiye kunozwa. Gutanga inama zinenga ariko zubaka bituma rwiyemezamirimo abasha kunononsora ibitekerezo bye noneho akabihuza n’ibikorwa biba bikenewe.
Kwimaka umuco wo kwita ku byo umuntu akora : Abajyanama bashobora gutuma ba rwiyemezamirimo bita ku byo bakora no ku ntego zabo. Iyo bashyizeho ibimenyetso by’ibigomba kugerwaho bakanasuzuma ibigenda bikorwa buri gihe, abajyanama baba bari kugukurikirana ba rwiyemezamirimo, babarinda kurangara cyangwa guteshusha ku cyerekezo cya rwiyemezamirimo ugitangira imirimo.
Kugira icyizere n’ubushobozi bwo Kuyobora : Ubujyanama bwongerera ba rwiyemezamirimo ubushobozi bw’ingirakamaro bwo kuyobora. Iyo bitegereje kandi bakigira ku bajyanama babo, ba rwiyemezamirimo bagitangira imirimo babasha kunoza uburyo bwabo bakoresha bayobora noneho bakazamura icyizere baba bakeneye kugirango babashe kuyobora itsinda ryabo uko bikwiye.
Kenshi na kenshi, abajyanama baha agaciro gake imitekerereze isanzwe imenyerewe ahubwo bagashishikariza ba rwiyemezamirimo gukoresha uburyo bwo guhanga ugushya. Iyi myumvire mishya ishobora gufasha ba rwiyemezamirimo gutekereza ibindi bintu; ibyo bikaba byatuma bashaka ibisubizo bijyanye no guhanga udushya bikanatanga akarusho mu bijyanye no guhigana ku isoko.
Mu buryo butagibwaho impaka, ubujyanama ni ikintu gikomeye cyane kuri ba rwiyemezamirimo bagitangira imirimo. Inama, ubufasha, n’ubwenge bigishwa n’abajyanama bishobora gutuma habaho ikinyuranyo mu rugendo rwabo rwekeza ku iterambere nka ba rwiyemezamirimo. Kwakira ubujyanama binoza ibitekerezo bya rwiyemezamirimo ugitangira imirimo; bikanatuma agira imikurire ye ku giti cye n’ubudaheranwa. Ba rwiyemezamirimo bafite inyota yo gutera imbere bahamagariwe gushaka abajyanama bafite ibitekerezo bijyanye n’icyerekezo cyabo, n’indangaciro zabo ndetse n’intego zabo kuberako imbaraga z’ubujyanama zishobora kuba imbarutso zizamura ubucuruzi bwabo zikabushyira ku zindi ntera nshya z’ibyo bugenda bugeraho.
Guhura no kwakira Ibibazo mu bucuruzi bishobora gufasha rwiyemezamirimo kubaka ubudaheranwa. Dore uko bigenda!
Guhura no kwakira Ibibazo mu bucuruzi bishobora gufasha rwiyemezamirimo kubaka ubudaheranwa. Dore uko bigenda!
Kuba rwiyemezamirimo bishobora kuba inzira ishimishije kandi ibyara n’inyungu,ariko bishobora nanone kuba inzira y’inzitane irimo ingorane nyinshi umuntu ashobora guhuriramo n’ibintu atazi. Nubwo inkuru zijyanye n’ubucuruzi bugenda neza arizo zikunze kugaragara mu nkuru nyamukuru z’ibitangazamakuru, ibidakunze kugaragara ni ubucuruzi buhomba butagira umubare ariko bukaba ari bwo buharura inzira ituma nyirabwo abasha gutsinda. Guhomba ni igice cy’urugendo ba rwiyemezamirimo badashobora kwirinda. Ariko, ubushobozi bwo kugeruka ukava mu ngorane no mu bibazo ni bwo butandukanya ba rwiyemezamirimo bahiriwe n’abandi bitagendekeye neza. Iyi nkuru iribanda ku mpamvu ibihombo n’ubudaheranwa ari bimwe mu bice by’ingenzi bigize urugendo rwo kuba rwiyemezamirimo n’uburyo guhura na byo no kubyakira bishobora gufasha rwiyemezamirimo gutera imbere cyane.
Igihombo nk’imbarutso yo gutera imbere: Mu bijyanye no kuba rwiyemezamirimo, guhomba ntabwo bifatwa nk’iherezo ry’ubuzima; ahubwo ni uburyo bushobora gutuma rwiyemezamirimo abasha gutera imbere akanarushaho kunoza imikorere ye. Iyo ba rwiyemezamirimo bahuye n’ibihombo, bazana amahirwe atagira uko anagana yo kwigira ku makossa bakoze, kunoza ingamba zabo, no kuzana ibisubizo byo guhanga udushya. Urugero, iyo igicuruzwa kigiye ku isoko kibuze abaguzi, bishobora gutuma nyiracyo yunguka ibitekerezo bimufasha gukora igicuruzwa kirushijeho kuba kiza cyangwa agashyiraho ingamba y’ubucuruzi irushijeho kujyana n’isoko. Guhura n’igihombo no kwabyakira no kubikoresha nk’imbarutso yo guhanga ibicuruzwa bishya bishobora gutuma rwiyemezamirimo abasha gutera imbere ku buryo bitari kuza gushoboka iyo ataza guhura n’ibyo bibazo. Buri kintu cyose rwiyemezamirimo ananiwe gukora kimuha ibitekerezo by’ingenzi bituma abasha kuba yakwegera imikorere myiza kurushaho. Fata ibihombo nk’amahirwe yo gusuzuma ibyo wakoze n’uburyo ukwiye kuzabikora mu gihe kiri imbere.
Kugira imyumvire yo gutera imbere: Ubudaheranwa bufitanye isano ya bugufi n’imyumvire yo gutera imbere- gutekereza ko ubushobozi n’ubwenge bishobora gutezwa imbere binyuze mu kwitangira ibyo umuntu akora no gukora cyane. Ba rwiyemezamirimo bafite intumbero yo gutera imbere bafata igihombo nk’igice karemano cy’urugendo rw’imyigire. Aho kurohamishwa no kutabasha kwiyizera cyangwa n’ubwoba, hangana n’izo ngorane ufite amatsiko n’ishyaka maze ugerageze kwumva uburyo wanoza kandi ugahuza ingamba n’ibikorwa uzakora mu bihe biri imbere.
Koga mu mihindagurikire y’amarangamutima: Kugira ubudaheranwa mu rwego rw’amarangamutima ni ingenzi kugirango umuntu abashe kujyana n’imihandagurikire y’amarangamutima ba rwiyemezamirimo bahura nayo – amarangamutima y’urugendo yo hejuru n’ayo hasi. Kubasha gucunga ko abandi bashobora kuba ba rwiyemezamirimo batakwakira, guhangana n’igwa ry’isoko cyangwa kutabasha kugurisha mu gihe runaka igicuruzwa gishya kigeze ku isoko bishobora gutera ibibazo byo mu rwego rw’amarangamutima. Ba rwiyemezamirimo bagomba kugira ubwenge bwo mu rwego rw’amarangamutima kugirango babashe gucunga imihangayiko, impungenge, n’ibyiyumviro byo kutabasha gukora ikintu runaka. Iyegereze itsinda ry’abantu bagushyigikira bakugira inama na bagenzi bawe kugirango bagufashe guhangana n’imihindagurukire y’amarangamutima.
Kwiyubakamo Umutima ukomeye : Umutima ukomeye, gudacika intege no gushishikarira kugera ku ntego z’igihe kirekire ni byo biranga ba rwiyemezamirimo bafite ubudaheranwa. Ubushake bwo gukomeza gukora kabone n’iyo waba wahuye n’ibibazo butuma ba rwiyemezamirimo babasha gukora neza ureste abahita bareka ibikorwa byabo ako kanya. Kuba ba rwiyemezamirimo nta na rimwe biba ari ukoga mu nyanja ituje. Ariko, abafite umutima ukomeye babasha kunyura mu nkubi y’umuyaga bakagumya guhatana kugirango babashe gutera imbere. [ANDIKA HANO UBURYO UMUNTU YAKWIYUBAKAMO UMUTIMA UKOMEYE].
Guhindura ingorane mo amahirwe : Ba rwiyemezamirimo barangwa n’ubudaheranwa bafata ingorane nk’amahirwe yo gushingiraho no guhanga udushya. Bumva ko ingorane kenshi na kenshi ziganisha ku mahirwe atunguranye yo gutera imbere no kunoza ibyo bakora.
Mu bikorwa bya ba rwiyemezamirimo, igihombo ntabwo ari ikintu umuntu ahitamo ahubwo ni igice cy’urugendo. Ubudaheranwa ni intwaro ifasha ba rwiyemezamirimo guhangana n’ibibazo, kubikuramo amasomo, no kubikuramo ingufu n’ubuhanga bwisumbuye. Iyo ba rwiyemezamirimo bakiriye ibihombo banyuramo kandi bagakomeza ubudaheranwa, bahindura ingorane banyuramo mo imbarutso basimbukiraho kugirango babashe gutera imbere.
Uburyo isesengura ry’imterere y’isoko rishobora guteza imbere ubucuruzi bwawe.
Uburyo isesengura ry’imterere y’isoko rishobora guteza imbere ubucuruzi bwawe.
Iyo ikigo cy’ubucuruzi gito gishinzwe kikaba gikora, imwe mu nzitizi abacuruzi bakunze guhura nazo ni ukubona uburyo bwiza bwo gukurura abakiriya bashya. Gukora isesengura ry’imiterere y’isoko bifasha ikigo cy’ubucuruzi gukusanya no gusesengura amakuru ku byerekeranye n’isoko riba rigamijwe. Isesengura ry’imiterere y’isoko ni kimwe mu bikoresho byiza byifashishwa mu kumenya abantu bashobora kukibera abakiriya. Gusesengura imiterere y’isoko bifasha abacuruzi gufata ibyemezo bikwiye bazi impamvu yabyo ku byerekeranye n’ibicuruzwa na serivisi batanga, iyamamazabikorwa, n’igenwa ry’ibiciro.
Habaho uburyo bwinshi bwo gusesengura imiterere y’isoko. Ariko, uburyo buba bwiza kurusha ubundi buterwa n’ibyo ikigo cy’ubucuruzi kiba gikeneye mu buryo bwihariye. Ariko, hari intera ubwo buryo bwose buhuriraho:
- Gusobanura abakiriya ugamije kugira : Ni bande isoko ryawe rigendereye? Reba abakiriya bashobora kugura ibicuruzwa cyangwa serivisi zawe, uko bangana, n’abo muhiganira ku isoko. Urugero, tuvuge ko ufite ikigo cy ‘ubucuruzi kigurisha ibicuruzwa bijyanye na siporo. Ubwongubwo, abantu bashobora kuba abakiriya bawe ni abantu bashimishwa n’ibijyanye na siporo. Uzareba niba isoko ryawe ribamo amasezerano, niba rihoraho, cyangwa niba ryaguka ( ku bw’amahirwe muri Kigali, iryo soko rigenda ryaguka bitewe n’ishoramari rikomeye ryakozwe mu rwego rwa siporo. Ugomba kandi kureba ibindi bigo by’ubucuruzi bitanga bene ibyo bicuruzwa ku buryo ubasha kubigereranya n’ibyawe.
- Kusanya amakuru: Umenye iki ku byerekeranye n’abakiriya ugamije kugira ? Iyo umaze gusobanura imiterere y’isoko ryawe, igikurikiraho ni ugukusanya amakuru ku byerekeranye n’uburyo wabasha guha abaguzi ibicuruzwa cyangwa serivisi bashobora kugura. Ayo makuru ushobora kuyavana ahantu henshi nko mu minsi mikuru , mu gusuzuma abakiriya, gukorana n’abafatanyabikorwa bakora muri urwo rwego, no mu yindi miyoboro y’abikorera cyangwa iya Leta nko mu bitangazamakuru. Amakuru akusanywa ashobora kuba ashingiye ku bwiza cyangwa ku ngano y’ibicuruzwa cyangwa ya serivisi. Duhereye nko kuri siporo nk’urugero, ibi bishobora kwibanda ku minsi mikuru ihuza abagira uruhare muri urwo rwego kugirango ubashe gukusanya amakuru ku byerekeranye n’ubwoko bw’ibikoresho bya siporo bizakenerwa cyane mu gihe runaka ( ubwiza) n’ingano y’ibizaba bikenewe kugirango bihaze isoko ugamije ( ingano)
- Sesengura amakuru: Ni iki ayo makuru akwigisha kandi wayakoresha ute mu gufata ibyemezo? Iyo amakuru yarangije gukusanywa, ni ngombwa kuyasesengura. Reba uko ibintu bimeze n’uko byagiye bihinduka muri urwo rwego rw’ubucuruzi kugeza ubu noneho utekereze ku byerekeranye n’icyo ibyo bisobanuye ku bucuruzi bwawe mu mezi macye ari imbere. Mu urwo rwego, ikigo cy’ubucuruzi gicuruza ibikoresho bya siporo gishobora kureba ibikorwa bya siporo bihora bibaho nka Basketball Africa League ; kikareba ibicuruzwa byaguzwe kurusha ibindi muri iki gihe kugirango kibashe gufata ibyemezo bikwiye mu rwego rw’ibicuruzwa bigomba kurangurwa no ku bijyanye n’uburyo bwo kubyamamaza.
- Kora gahunda y’ibikorwa: Ni iki kigomba gukurikiraho ? Iyo amakuru amaze gusesengurwa, intera ikurikiraho ni ugukora gahunda y’ibikorwa. Muri urwo rwego, ushobora kwibanda kugushyiraho ingengo y’imari, kurangura ibicuruzwa uteganya gucuruza mbere y’igihe, no kureba ubutumwa bw’iyamamazabikorwa bikwiye n’uburyo bwo gukora iryo yamamazabikorwa.
Gukora isesengura ry’imiterere y’isoko ni ibintu byoroshye kurusha uko abantu babikeka – kurikira izi ntera zimaze kuvugwa hejuru. Bityo, uzaba uri mu nzira nziza yo kumva neza kurushaho abakiriya wifuza,abo muhiganwa ku isoko, n’amahirwe anyuranye n’inzitizi usobora guhura nazo.
Dore bumwe mu buryo wakoresha ugabanya amafaranga ukoresha bitabangamiye ubwiza bw’ibicuruzwa cyangwa bwa serivisi itanga.
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.
Urifuza gufungura ikigo cy’ubucuruzi kita ku mibereho myiza? Egera Amina Umuhoza, rwiyemezamirimo akugire inama.
Kuberako guhanga imirimo yerekeranye no guteza imbere imibereho myiza bikomeza gutera imbere ku isi yose, u Rwanda rwabonye ba rwiyemezamirimo benshi bakora imirimo yo guhanga udushya mu bijyanye no guteza imbere imibereho myiza batanga ibisubizo ku bibazo by’ingutu bibangamira abaturage kurusha ibindi. SME Response Clinic yaganiriye na Amina Umuhoza washinze ikigo cy’ubucuruzi giteza imbere imibereho myiza cya Dukataze; icyo kigo kikaba kigamije guha abantu bakiri bato amakuru ku byerekeranye n’ubuzima bw’imyororokere no kubaha ubushobozi mu bwo mu rwego rw’ubukungu. Abyikoreye mu kazi ke, Amina yafunguye sosiyete yitwa Saye Company Limited, ikigo cy’ubucuruzi giharanira inyungu kigurisha ibicuruzwa bikorwa n’abagenerwabikorwa b’ikigo cye. Twaganiriye n’Amina aduha ibitekerezo ku byerekeranye n’icyo bisaba kugirango umuntu abashe gucunga ikigo cy’ubucuruzi giteza imbere imibereho y’abaturage gikora neza. Dore bimwe mu bitekerezo yaduhaye:
Kugira umurava no Gukunda icyo ukora: Kugirango umuntu abashe kuba rwiyemezamirimo uteza imbere imibereho myiza y’abaturage mwiza biterwa n’ibintu byinshi, ariko muri byose icy’ingenzi kurusha ibindi ni ukugira umurava no gukunda icyo ukora. Nk’umugore ukiri muto, yabonye bagenzi be bababazwa no kutagira ubagira inama no kutagira ubumenyi ku byerekeranye n’ubuzima bw’imyororokere. Amaze kubona ko ibi byaba uburyo bwo kubafasha, yatangiye akora ibikorwa byamufasha kubaka ikigo cy’ubucuruzi cye nko kwitabira gahunda z’amahugurwa ajyanye n’iterambere ry’ubucuruzi agamije kugira ubumenyi ngiro no kugirango abashe kumenyana n’abandi ba rwiyemezamirimo bahuje ibitekerezo. Kugira umurava no gukunda icyo yifuzaga gukora ni cyo kintu cyihishe inyuma ya buri kintu cyose Amina akora.
Guteza imbere ubumenyingiro: Kugirango ba rwiyemezamirimo babashe gukora neza, bagomba kugira ubimenyingiro runaka bubafasha guteza imbere ubucuruzi bwabo burimo nko kumenya kuganira n’abantu, imicungire y’imari no gutekereza ku ngamba ziba zigomba gufatwa. Ba rwiyemezamirimo bateza imbere imibereho myiza y’abaturage bagomba kubaka ubumenyi n’ubunararibonye ndetse no mu bindi byiciro by’ubumenyingiro- ubuyobozi, kwishyira mu mwanya w’undi, kugira ubwenge mu bijyanye n’amarangamutima no kubana n’abandi, guhimba no guhanga udushya, no kumenya kwihanganira ibibazo. Ubwo Amina yatangiraga ubucuruzi, yasabye gukurikira amahugurwa ku byerekeranye no guteza imbere ubucuruzi kuri ba rwiyemezamirimo bakora ibikorwa bigamije guteza imbere imibereho myiza kugirango abashe kumenya ibyo ashobora gukenera kugirango azabashe gutera imbere. Bitewe n’amahugurwa nka gahunda yo kwihangira imirimo ya Tony Elumelu, Amina yungutse ubumenyingiro mu byerekeranye n’ubuyobozi; ibyo bikaba byaramufashije guhuza no kuyobora itsinda ry’abantu banyuranye kandi bafite ubumenyingiro mu kigo cy’ubucuruzi cye.
Kumenyana n’abandi: Nk’uko Amina abyivugira, yabashije kumenya amahirwe anyuranye ariho yo kubona imari no guteza ubucuruzi imbere abifashijwemo n’abo babashije guhura imbonankubone n’abandi babashije kumenyana hakoreshejwe ikoranabuhanga. Nka rwiyemezamirimo ukora ibikorwa byo guteza imbere imibereho myiza y’abaturage, kubaka ihuriro rikomeye ahuriramo n’abandi bantu bakora mu rwego rumwe cyangwa mu nzego zifitanye isano n’urwe ni ingenzi. Bifasha ba rwiyemezamirimo kuvumbura amahirwe mashya, kubona ibyerekezo byiza, no kumenyekanisha ubucuruzi. Kumenyana n’abandi bishobora gukorwa mu buryo bubiri: Kujya mu bikorwa bihuza abantu n’abandi imbonankubone cyangwa kuganira n’abandi mukora kimwe mu rwego rwo kwihangira imirimo yo guteza imbere imibereho myiza hifashishijwe ikoranabuhanga.
SME Response Clinic ibifurije Iminsi Mikuru y’Ibyishimo n’Umwaka Mushya w’Uburumbuke.
SME Response Clinic ibifurije Iminsi Mikuru y’Ibyishimo n’Umwaka Mushya w’Uburumbuke.
Umwaka wa 2022 waranzwe n’amahirwe yo gutera inkunga cyane no kubaka ubushobozi; amenshi muri ayo mahirwe mukaba mwarayagejejweho na SME Response Clinic. Nk’uko twitegura kugira iminsi mikuru, turifuza gutekereza kuri bimwe mu bikorwa byacu byadufashije gukorana namwe bikanabegereza amahirwe yo kubona inkunga no guteza imbere ubucuruzi.
Dore bimwe mu bintu by’ingenzi byaranze umwaka wa 2022.
Gahunda ya Ramba kugirango ukunguhare
KCB Bank Rwanda, ubu yahindutse Banque Populaire du Rwanda PLC (BPR) ku bufatanye na ConsumerCentriX na African Management Institute (AMI), yayoboye Gahunda ya Ramba kugirango ukunguhare. Gahunda yamaze amezi 4 yatanzwe n’AMI yari igizwe n’amasomo yatangwaga hakoreshejwe ikoranabuhanga akuzuzwa n’ibiganiro by’amahugurwa byakorwaga imbonankubone, ba rwiyemezamirimo bigiragamo imbumbabitekerezo z’ubucuruzi zirimo imihindagurikire y’abakiriya n’iy’amasoko no kurwanya imbogamizi nko kugira amafaranga macye yinjira no kubona inyungu nke.
Kwizihiza Ukwezi kwa Werurwe, Ukwezi kw’Abagore
Muri Werurwe 2022, SME Response Clinic yashyizeho ba rwiyemezamirimo b’abagore batatu bato mu rwego rwo kwishimira uruhare rw’ingenzi abagore bagira muri sosiyete yacu n’uruhare rukomeye bagira mu bukungu bw’u Rwanda. Abo ba rwiyemezamirimo b’abagore uko ari batatu babajijwe icyo Ukwezi kwa Werurwe, ukwezi kw’abagore gusobanuye kuri bo n’icyabateye guhitamo gukora akazi ka ba rwiyemezamirimo.
Ikigega cyo Kuzahura Ubukungu (HATANA 2)
Banki y’u Rwanda Itsura Amajyambere (BRD) n’Ikigega Gishinzwe Guteza Imbere Imishinga (BDF) batangije icyiciro cya kabiri cy’Ikigega cyo Kuzahura Ubukungu , Hatana, hagamijwe gushyigikira izahuka ry’ubukungu bw’ibigo by’ubucuruzi byazahajwe n’Icyorezo cya COVID-19. Ibinyujije muri BRD, Hatana izaha ibigo by’ubucuruzi inkunga bikeneye cyane mu rwego rwo kubifasha guhanga udushya, gutanga amahirwe yo guhanga imirimo, no kwimakaza Made in Rwanda mu rwego rw’ubwubatsi, gutunganya ibikomoka ku buhinzi, imyenda, n’inganda ntoya. Icyo kigega kandi kizaha inguzanyo yo gukoresha ibigo by’ubucuruzi bifite igicuruzo cyagabanutseho byibura 20% mu gihe cy’amezi 12 ashize ugereranyije na mbere ya COVID-19.
Usibye ibikorwa by’ingenzi byakozwe, twatanze kandi inama zijyanye n’ubucuruzi, dutanga n’amakuru ku byerekeranye n’amahirwe yo kubona imari no kubaka ubushobozi aboneka ku isoko. Twizeye ko muzinjira mu mwaka mushya mufite ibyiringiro byinshi kandi twiteguye ko muzagumya gukorana natwe kubera ko dukora tugamije kubafasha guteza imbere ubucuruzi bwanyu.
Muri urwo rwego, tubifurije Iminsi Mikuru Myiza n’Umwaka Mushya w’Uburumbuke!
Iminsi mikuru ishobora kuba igihe cyiza cyo kuzamura ingano y’ibyo umuntu agurisha- dore uburyo byakorwa!
Iminsi mikuru ishobora kuba igihe cyiza cyo kuzamura ingano y’ibyo umuntu agurisha- dore uburyo byakorwa!
Iminsi mikuru izaba mu byumweru bicye biri imbere kandi abantu hafi ya bose bari kuzigama amafaranga kugirango bazabashe kuyizihiza mu buryo bwiza bushoboka. Kuri ba rwiyemezamirimo, iki ni igihe cy’agahebuzo cyo guteza imbere ingano y’ibyo mucuruza, kongera inyungu mukura mu bucuruzi bwanyu no kunoza imikoranire irambye n’abakiriya banyu. Muri iyi nyandiko, tuzabafasha kwifashisha iyi minsi mikuru kugirango mubashe guteza imbere ubucuruzi bwanyu.
- Kwitegura hakiri kare: Abantu bagura ibicuruzwa na serivisi nyinshi mu minsi mikuru. Kubera iyo mpamvu rero, ni ngombwa kugira ibicuruzwa bihagije mu bubiko bizahura n’ibyo abantu bazaba bakeneye. Reba ibicuruzwa cyangwa serivisi ikigo cy’ubucuruzi cyawe kizagurisha kurusha ibindi noneho ubishyire mu bubiko cyangwa uvugane n’abo uranguraho ibicuruzwa hakiri kare kugirango babikugezeho mbere y’igihe. Ibi bigufasha kwitegura mbere y’igihe kandi bikaguha igihe gihagije cyo gukemura ibibazo byose bishobora kuvuka nko gutanga ibicuruzwa ukererewe. Kugira ibicuruzwa bihagije bituma abakiriya bawe bumva ufite ubushobozi bwo kubona ibyo bakeneye kandi bigatuma ubasha kubaka umubano ukomeye nabo.
- Gabanya ibiciro utange n’impano mu buryo budasanzwe: Kugabanya ibiciro no gutanga impano mu buryo budasanzwe bishobora kuba uburyo bwiza bwo gukurura abakiriya bashya no guhemba abakiriya usanganywe. Mbere yo kugabanya ibiciro by’ibicuruzwa na serivisi zawe, ugomba kumenya niba ufite intego yumvikana ituma ubikora. Bishobora kuba bigamije kongera ingano y’ibyo ucuruza, gushaka abakiriya bashya, cyangwa kumenyakanisha izina ry’ubucuruzi bwawe cyangwa kunoza imikoranire n’abakiriya. Urugero rumwe rwo kugabanya ibiciro mu buryo budasanzwe rushobora kuba ari ukurekera umukiriya wawe umubare w’amafaranga runaka cyangwa ijanisha runaka ry’amafaranga igihe aguze ibintu bifite agaciro k’amafaranga runaka; urugero, umuntu uguze ibicuruzwa by’amafaranga ibihumbi ijana (100.000 frws) ukamusubiza amafaranga ijana (100frws(. Ibi bishobora gutuma abakiriya bawe bagura byinshi kurushaho cyangwa bigatuma ubasha kubona abakiriya bashya banyuze mu miryango yawe.
- Huza imipfunyikire y’ibicuruzwa n’uko abakiriya babyifuza kandi utange serivisi zifite umwihariko: Ibintu byinshi biranga ubucuruzi byarahindutse bitewe no guhiganwa ku isoko. Kubera iyo mpamvu rero, ni ngombwa gutekereza ku byerekeranye n’uburyo bunyuranye ubucuruzi bwawe bwabasha kuzamuka. Pfunyika ibicuruzwa byawe ku buryo abakiriya babasha kumva ko igicuruzwa cyangwa uburyo gipfunyitsemo ari bo byagenewe. Igihe usabwe gutanga ibicuruzwa runaka, shyiramo izina ry’umukiriya n’aho abarizwa ndetse n’ubutumwa bumugenewe we by’umwihariko bwo kumushimira. Ibyo bituma abasha kwibona mu kigo cy’ubucuruzi no kumva ko kimwitayeho kandi abakiriya bazumva bashaka kugumana nawe nk’ikigo cy’ubucuruzi bakunda kurusha ibindi.
- Koresha insanganyamatsiko z’iminsi mikuru ukora iyamamazabikorwa rikorwa hifashishijwe imbuga nkoranyambaga : Mu gihe utekereza ku butumwa bw’iyamamazabikorwa, ku butumwa butangwa binyuze ku mbuga nkoranyambaga, kuri imeyili cyangwa SMS woherereza abakiriya bawe, tekereza ku bijyanye n’uburyo washyiramo n’intashyo z’iminsi mikuru bumva ibafitiye akamaro kurusha iyindi. Tegura ubutumwa bw’iyamamabikorwa bufite ibishushanyo cyangwa amashusho y’amatariki y’ingenzi yo muri iyo minsi mikuru nka Noheri n’Ubunani. Ibi bituma ubutumwa utanga bubasha guhura neza n’ibyifuzo by’abakiriya bawe kuberako buba bugaragaza ikintu baba bari kwishimira.
- Koresha imbuga nkoranyambaga ushaka abakiriya: Buri mukiriya yifuza ko umushimira ko yaguhaye icyashara akoresheje amafaranga yabonye bimugoye cyane. Guhemba abakiriya baguha icyashara ukoresheje imbuga nkoranyambaga bishobora gukangura abakiriya batari basanzwe bitabira kuguha icyashara cyane no kureshya abakiriya bashya. Kusanya ibitekerezo ku nsanganyamatsiko zishimishije zijyanye n’iminsi mikuru cyangwa ku byerekeranye n’ibicuruzwa byawe bikwiye kugabanyirizwa ibiciro. Baza ibibazo ukoresheje ikoranabuhanga ku byerekeranye n’ubucuruzi bwawe noneho uhembe abagukurikira batanze ibisubizo by’ukuri. Bitekerezeho nk’uburyo bwo guha inyiturano abakiriya bawe kubera ko bagize uruhare mu gushyigikira ubucuruzi bwawe.
Utekereje neza kandi ukabitegura witonze, iminsi mikuru ni igihe gikomeye cyo guteza imbere ubucuruzi bwawe. Watekereza neza mbere y’igihe ku byerekeranye n’ibicuruzwa abaguzi bazakenera kurusha ibindi, wagabanya ibiciro mu buryo budasanzwe, cyangwa wakoresha insanganyamatsiko z’iminsi mikuru, hari uburyo bunyuranye bwo kureshya abakiriya muri iki gihe. Tugezeho ibitekerezo usanga byafasha ibigo by’ubucuruzi bito kuzamura ingano y’ibyo bicuruza no kuzamura ubucuruzi bwabyo.
Amakosa Asanzwe Amenyerewe Ushobora kuba Ukora nk’Umucuruzi n’Uburyo Wayirinda
Amakosa Asanzwe Amenyerewe Ushobora kuba Ukora nk’Umucuruzi n’Uburyo Wayirinda
Abacuruzi bato bagira ibitekerezo bikomeye n’ibisubizo- ibyo ari byo byose, ibi bishobora kuba ari byo byatumye utangira gukora ubucuruzi; ariko rimwe na rimwe, ibi bitekerezo ntibikunze gushyirwa mu bikorwa uko bikwiye kugirango bibashe gutanga umusaruro. Nubwo hashobora kubaho impamvu nyinshi zatuma ikigo cy’ubucuruzi gito gikora nabi, dore amwe mu makosa ashobora kwirindwa abacuruzi bakora ndetse n’uburyo bwo kuyirinda.
- Kudafata umwanya wo gukora igenamigambi : Kudakora igenamigambi bituma akazi gakorwa nabi.Iyo bigenze gutyo, umuntu aba agerageza gukora buri kintu cyose ku munota wa nyuma kandi ari nta ntego zigaragara yashyizeho cyangwa inzira yo kunyuzamo izo ntego. Fata umwanya noneho utegure gahunda y’ibikorwa irambuye hanyuma urebe niba ishyira ku mugaragaro ibicuruzwa cyangwa serivisi zawe, urebe uburyo uzabasha kwinjiza amafaranga, uburyo uzashora amafaranga mu bucuruzi bwawe, ndetse n’izindi ngingo nyinshi z’ingenzi zatuma ubasha gukora neza. Kugira gahunda y’ibikorwa biha icyerekezo ubucuruzi bwawe, bikagufasha kubona ingorane ushobora guhura nazo no guteganya ubushobozi uzakenera kugirango ubashe gukora ubucuruzi bwawe. Iga byinshi ku byerekeranye n’uburyo bwo gutegura gahunda y’ibikorwa ukanda hano.
- Kugerageza kwikorera Ibintu Byose wenyine: Ni byiza kwinjiza abandi bantu mu mitekerereze yawe uko ugenda ushyira igitekerezo cyawe mu bikorwa no guhitamo ibisubizo bijyana n’ingorane zishobora kuvuka. Umutwe umwe uzana ibitekerezo bimeze kimwe kandi ushobora kubuza rwiyemezamirimo kunguka ubumenyi bwafasha ubucuruzi bwe kurushaho. Ubakira ku itsinda ry’abantu banyuranye bitewe n’ibyo ikigo cy’ubucuruzi cyawe gikeneye mu bijyanye n’umutungo w’abantu noneho ushinge abandi bantu imirimo hakurikijwe ibyo bashoboye gukora.
- Gukoresha amafaranga menshi cyane cyangwa macye cyane: Gukoresha amafaranga menshi cyane kenshi na kenshi bituma imyenda yiyongera cyane kandi no gukoresha amafaranga macye cyane bigatuma rwiyemezamirimo atabasha kubona ibintu by’ingenzi biba bigomba gukorwa kugirango ubucuruzi bubashe kugenda neza. Ibi bintu uko ari bibiri bituma igitekerezo kitabasha kuramba; ibyo bigatuma ubucuruzi bwahagarara cyangwa ntibubashe kuzamuka. Tegura ingengo y’imari maze ugene amafaranga ubucuruzi bwawe buzakoresha n’ayo buzinjiza mu gihe runaka. Urugero, mu mwaka utaha cyangwa mu gihembwe gitaha. Subiramo iyo ngengo y’imari uyigereranye n’amafaranga wakoresheje mu by’ukuri kugirango umenye aho ushobora kuba warakoresheje amafaranga menshi cyane cyangwa macye cyane mu bucuruzi bwawe; ibyo bizaguha igisubizo cy’ikibazo ufite.
- Kwibagirwa Aho amafaranga azakomoka: Uko igitekerezo cyaba cyiza kose, tugomba gutekereza ku byerekeranye n’aho amafaranga azakomoka kugirango icyo gitekerezo kibashe kuzamuka no gukomeza gukora n’ibyo dusabwa nka ba nyir’ubucuruzi kugirango tubashe kuyabona. Gahunda y’ibikorwa igomba kugaragaza imari shingiro yo gutangiza umushinga cyangwa amafaranga azakenerwa mu gutangiza ubucuruzi bwawe. Mbere yo kwegera abaterankunga, banza urebe niba gahunda y’ibikorwa byawe yumvikana kandi iteguye neza noneho urebe niba wumva neza impamvu ubucuruzi bwawe ari ishoramari rikomeye rigomba gukorwa. Shakisha amafaranga ahantu hasanzwe hemewe uko bishoboka kose nko bigo by’imari bizwi, amafaranga y’imfashanyo atangwa na Leta, cyangwa amafaranga atangwa n’abaterankunga kugirango ubashe kwirinda gutanga amafaranga y’umurengera cyangwa mu buryo butumvikana, uburyo bwo kwishyuza budakwiye, n’ingorane zijyanye n’umutekano zishobora kuvuka.
- Kutamamaza ibikorwa: Abantu bamenya ibyo dukora iyo tubyamamaje. Iyo utamamaje neza ibyo ukora, utakaza abantu bashoboraga kuba abakiriya bawe. Bitewe n’isoko ugamije, koresha umuyoboro w’iyamamazabikorwa utuma ubasha kugera ku bantu benshi; unatuma ubasha kubona abantu benshi babasha kugura ibyo ukora muri iryo soko ugamije. Bitewe n’ikoranabuhanga ryateye imbere ku isi yose, tekereza uburyo wakoresha imbuga nkoranyambaga nka Facebook cyangwa Instagram zikunze gukoreshwa muri Afurika y’Iburasirazuba kugirango ubashe kumenyekanisha ibicuruzwa cyangwa serivisi zawe ahongaho. Tegura gahunda y’ubutumwa bwajya butambuka buri cyumweru cyangwa buri kwezi kugirango abakiriya bawe bakomeze buri gihe kugira amakuru ajyanye n’ibicuruzwa cyangwa serivisi nshya ikigo cy’ubucuruzi cyawe gitanga. Niba ufite amafaranga ahagije, shaka uburyo wakoresha iyamamazabikorwa ryishyurwa wifashishije imbuga nkoranayambuga zizwi cyane n’abakiriya bawe bateganyijwe nka Facebook. Shyira mu butumwa bw’iyamamabikorwa nomero ya telefone ukoresha mu bucuruzi bwawe n’aderesi y’aho ukorera kugirango byorohere abashobora kuba abakiriya bawe kukubona.
- Kureka igitekerezo nyamukuru kigamijwe: Kureka igitekerezo nyamukuru kigamijwe ni kimwe no gutakaza umutima w’icyo gitekerezo. Benshi mu bacuruzi bato bareka ibitekerezo nyamukuru iyo badafite gahunda ikwiye y’ibikorwa by’ubucuruzi bwabo ya buri munsi, buri cyumweru, cyangwa iya buri kwezi. Tegura ingengabihe igaragaza ibikorwa biteganyijwe, igihe buri gikorwa kigomba gutangirira n’igihe kigomba kurangirira. Kugira ingengabihe n’ibikorwa biteganyijwe bizagufasha guhuza imbaraga nyinshi n’ibikorwa byihutirwa kurusha ibindi ari nako ukurikirana ibyo ugenda ugeraho ugereranyije n’igihe ibyo bikorwa uba washyizeho biba bigomba kurangirira.
Kugirango igitekerezo cyangwa igisubizo runaka kibashe kugenda neza, ni ngombwa kugitegura neza no kwita ku ngingo zose zavuzwe hejuru. Kuzishyira zose mu bikorwa byongerera ubundi buzima icyo gitekerezo hakanaboneka n’andi mahirwe akomeye ajyanye n’icyo gisubizo ndetse n’uburambe bwacyo.
Banki ya Kigali itangije Ikigo giha serivisi Ibigo by’ubucuruzi Bito n’Ibiciriritse (SME)
Banki ya Kigali itangije Ikigo giha serivisi Ibigo by’ubucuruzi Bito n’Ibiciriritse (SME)
SME Response Clinic yaganiriye na Darius Mukunzi, Umuyobozi ushinzwe Serivisi z’amabanki zihabwa Ibigo Bito n’Ibiciriritse muri Banki ya Kigali ku byerekeranye n’uburyo banki iha serivisi Ibigo by’Ubucuruzi Bito n’Ibiciriritse (SME). Banki ya Kigali ni iyo banki y’ubucuruzi nini kurusha izindi mu Rwanda; ikaba iha serivisi Ibigo by’Ubucuruzi Bito n’Ibiciriritse birenga 200.000 mu gihugu. Muri Nyakanga 2022, Banki ya Kigali yatangije Ikigo giha serivisi Ibigo by’Ubucuruzi Bito n’Ibiciriritse ; ubwo bukaba ari uburyo bwo guha serivisi z’imari n’iz’ubujyanama abacuruzi bashaka guteza imbere ibigo by’ubucuruzi byabo.
Mu rwego rwo guha serivisi icyo cyiciro cy’abakiliya, Banki ya Kigali yifashisha abayobozi bashinzwe imibanire n’abakiliya n’abakozi bakorera ku Kigo giha serivisi Ibigo by’Ubucuruzi Bito n’Ibiciriritse (SME) no kuri buri shami rya banki. Aba bakozi bashinzwe gufasha banki kumva neza ibyo abakiliya bo mu cyiciro cya SME bakeneye; ibyo bigatuma Banki ya Kigali ibasha kunoza ibicuruzwa na serivisi zijyanye n’ibyo bikenewe uko bigenda bitera imbere ku isoko. By’agahebuzo, amashami ashinzwe Ubucuruzi n’ashinzwe Inguzanyo mu kigo giha serivisi Ibigo by’ubucuruzi Bito n’Ibiciriritse (SME) arakorana cyane; ibyo bikoroshya ifatwa ry’ibyemezo bikanagabanya igihe abakiliya bo mu cyiciro cya SME bakoresha kugirango babone ibicuruzwa byo mu rwego rw’imali bagura muri banki.
Banki ya Kigali kandi yifashisha ibikorwaremezo bya Leta kugirango ibone abakiliya bashya bo mu cyiciro cya SME kandi igaha Ibigo Bito n’Ibiciriritse (SME) inguzanyo ku ijanisha ry’inyungu ryiza. Banki yagize uruhare mu gusohora amafaranga Leta ishyira muri Renewable Energy Fund none ubungubu ikaba igira uruhare mu gutanga amafaranga y’Ikigega Economic Recovery Fund (Hatana 2) n’ay’ikigega Export Growth Fund. Banki ya Kigali kandi iri gukora ku ngamba igamije guha Ibigo Bito n’Ibiciriritse (SME) serivisi zitari izo mu rwego rw’Imari, ikaba itegura kongera ubushobozi bujyanye n’Insanganyamatsiko nko kugira ubumenyi mu bijyanye no gukoresha imari mu Bigo Bito n’Ibiciriritse n’imisoro. Serivisi zitari iz’imari kandi zizazana Amakelebe y’Ubucuruzi n’Uburyo bwo guhuza ibigo bigira uruhare mu ruhererekane rw’ibicuruzwa mu gihe cyiri imbere.
Sura ikigo cya SME Center cya Banki ya Kigali muri Kigali, mu Nyubako ya CHIC, mu Igorofa ya kabiri kugirango umenye byinshi ku byerekeranye n’ibyo banki itanga muri icyo cyiciro cy’abakiliya.
Bisaba iki kugirango umuntu abe rwiyemezamirimo mwiza?
Bisaba iki kugirango umuntu abe rwiyemezamirimo mwiza?
Kuba rwiyemezamirimo bigira akamaro kandi bikabamo ingorane. Nta banga ririmo kuba rwiyemezamirimo mwiza, ariko hari ibintu bimwe bizwi neza ba rwiyemezamirimo bagomba kwimakaza kugirango babashe gushinga ibigo by’ubucuruzi byiza kurushaho kandi byunguka. Menya byinshi mu bice bikurikira.
Gukorana ishyaka: Nubwo kugira abantu bagushyigikira ari ngombwa, ba rwiyemezamirimo bakora neza kenshi na kenshi bakorana ishyaka kandi ntibakenera guterwa akanyabugabo kugirango bafate intera yo gushinga ibigo by’ubucuruzi bikora neza. Batangira umunsi bafite ibikorwa bagomba gukora n’intego bagomba kugeraho, bagahora bibuka intego nyamukuru y’ubucuruzi bwabo. Bafata ingorane bagenda bahura nazo nk’amahirwe atuma biga ibintu bishya bakanatera imbere aho kugirango bibaviremo impamvu yo gucika intege no kureka ibikorwa byabo.
Ubaka imbaraga zawe muri uru rwego ushyiraho buri gihe ibikorwa n’intego zawe n’iz’itsinda ryawe – buri munsi cyangwa buri cyumweru. Tekereza ku byerekeranye n’uburyo wazamura ubucuruzi bwawe ku yindi ntera yisumbuyeho aho gutegereza ko amahirwe yigaragaza ubwayo. Fata ingorane nk’amahirwe yo gutanga ibicuruzwa cyangwa serivisi nziza kurushaho kandi ugerageze kunezeza abaguzi bawe ubaha ibyo bakeneye.
Imyitwarire mu kazi ihamye: Ba rwiyemezamirimo bakomeye usanga baba bafite imyitwarire mu kazi ihamye; ibyo bikagena uburyo bakoresha igihe cyabo. Barangwa n’umuhate wo gukora bagamije kugera ku ntego runaka baba bashyizeho, kabone n’iyo byaba bisaba gukora nyuma y’amasaha y’akazi asanzwe.
Ubaka imbaraga zawe muri uru rwego ushyiraho imikorere ya buri munsi iri mu murongo mwiza, wuzuza inshingano kandi ushyiraho imyumvire iranga umurimo ukomeye binyuze mu bwitange no kwita ku cyo umuntu akora.
Guhanga udushya: Bitewe no guhigana gukomeye kugaragara muri ba rwiyemezamirimo, ba rwiyemezamirimo bakora neza baba ari abantu bahanga udushya ubwabo cyangwa ari abantu bakoresha abakozi bahanga udushya. Kugirango ba rwiyemezamirimo babashe gushyiraho ibitekerezo byihariye no kubona ibisubizo bijyanye n’ibyo abaguzi baba bakeneye bisaba gutekereza ku buryo bwihariye mu bintu byose uhereye ku iyamamazabikorwa ukagera ku itangwa rya serivisi no ku ikorwa ry’ibicuruzwa.
Ubaka imbaraga zawe muri uru rwego wimakaza imyumvire yo kugira amatsiko mu buzima bwawe bwa buri munsi kandi ukorana n’abantu bashobora kuba bishimiye urwego rw’imirimo ukoramo. Gukorana n’abandi bishobora kugufasha kunguka ibitekerezo bishya no kumenya neza uko abandi babona ibisanzweho.
Kugira ubuhanga bwinshi mu bijyanye no kuyobora: Kenshi na kenshi, abakozi n’abaturage bavuga ko benshi muri ba rwiyemezamirimo bakora neza baba ari abayobozi bakomeye kandi barangwa n’ubupfura. Ubushobozi bwo kuyobora bufasha ba rwiyemezamirimo guteza imbere impano mu matsinda bakoramo, bikongera imikorere myiza bikanatuma hakorwa ibicuruzwa hakanatangwa serivisi zifite ireme.
Ubaka imbaraga zawe muri uru rwego usabana buri gihe n’abakozi bawe kugirango ubashe kumva ingorane zabo, ibyo bakora neza, intege nke zabo ndetse n’imbaraga zabo. Ibi bizagufasha kumenya icyo ugomba gukora kugirango barusheho gutanga umusaruro.
Kuba rwiyemezamirimo mwiza bisobanura kuba umuntu ukora cyane kandi ufite ubushobozi bwinshi mu bintu binyuranye. Isuzume ubwawe uhereye ku ngingo zimaze gusobanurwa noneho urebe aho ugomba kongeramo imbaraga zawe. Kanda hano maze wikorere isuzuma rigufi nka rwiyemezamirimo noneho urebe ibyo ushobora kunoza nka rwiyemezamirimo.