Impamvu ukwiye gukoresha igenagaciro ry’imitungo yawe n’uwabigukorera

Yanditswe na Muvunyi Arsène
Kuya 13 Gashyantare 2019 saa 04:49
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Umutungo utimukanwa nk’inzu, ubutaka, amashyamba, ibirombe by’amabuye y’agaciro, ibicuruzwa bitandukanye ni byo ahanini biba bifite agaciro kanini mu yindi mitungo yose umuntu ashobora kuba afite cyangwa se amafaranga abitse kuri konti.

Agaciro k’iyi mitungo gashobora guhinduka bitewe n’ibihe aho bigeze nyamara ubumenyi buke bwa nyir’uwo mutungo bugatuma atawubarira nk’uko bikwiye.

Mu kiganiro IGIHE yagiranye na Uwarugira Badora Walter, uyobora kampani yitwa Multi Design Group Ltd, akaba n’umugenagaciro wemewe n’amategeko, yasobanuye mu buryo burambuye ibyiza byo gukoresha igenagaciro ry’umutung0 n’impamvu ari ngombwa.

Kumenya umutungo ku giti cyawe

Uwarugira avuga ko buri muntu wese yakagombye kumenya agaciro k’umutungo afite kugira ngo bimufashe mu igenamigambi rye.

Yagize ati “Ubundi umunyarwanda wese cyangwa umuntu ku giti cye akwiye kumenya agaciro k’umutungo afite. Wakagombye kuba uzi ngo umutungo wanjye ungana gutya. Mfite isambu, mfite urwuri, mfite inzu. Ukamenya agaciro k’umutungo wawe uri bubyibikire nta wabigutumye ariko ukamenya uko upanga.”
Igenagaciro mpinyuza

Akenshi na kenshi iyo ahantu runaka hagiye kubakwa ibikorwa remezo bitandukanye, hari imitungo itandukanye yangizwa kandi biba ari ngombwa ko yishyurwa bene yo bagahabwa ingurane. Hari ubwo umuntu atishimira igenagaciro ryahawe imitungo ye yangijwe ku buryo ashobora kwikoreshereza irye ariryo ryitwa igenagaciro mpinyuza akamenya ukuri.

Uwarugira ati “Hari ukuntu umuntu bamubarira akumva ntanyuzwe akavuga ati ‘reka ndebe umugenagaciro wabinkorera akandebera niba ibyo bankoreye ari byo koko’.”

Gusaba inguzanyo muri Banki

Umuntu ukeneye inguzanyo muri banki, bamusaba ingwate kugira ngo naramuka ananiwe kwishyura banki itazabura ayayo. Icyo gihe rero akenera umugenagaciro, kugira ngo hamenyekane neza agaciro k’umutungo ashaka gutangaho ingwate.

Aha nyir’umutungo ashobora kwishakira umugenagaciro cyangwa se banki ikaba ariyo imwohereza.

Ubwishingizi bw’umutungo

Impanuka ntiteguza, ni yo mpamvu buri muntu wese akwiye gushinganisha umutungo we ku buryo mu gihe wakwangirika ku bw’impanuka yazishyurwa n’icyo kigo cy’ubwishingizi akorana na cyo.
Aha rero nabwo hanekenerwa umugenagaciro wemeza agaciro k’uwo mutungo kugira ngo nuramuka wangiritse hazamenyekane uko wishyurwa.

Kwishyura imisoro

Abafite inzu z’ubucuruzi n’izifite ibyangombwa bya burundu basora bitewe n’agaciro k’imitungo yabo. Kugira ngo rero bamenye agaciro nyako k’imitungo yabo bashakaga gusorera bakenera umugenagaciro wabigize umwuga kugira ngo abafashe batanavaho bibeshya, bagafatwa nk’abanyereje imisoro bikabaviramo gucibwa ibihano bitari ngombwa.

Kugura cyangwa kugurisha umutungo utimukanwa

Hari umuntu uba ushaka kugurisha umutungo utimukanwa ariko akaba atazi agaciro ufite cyangwa amafaranga ya nyayo yawishyuraho, bitewe n’uko ashobora kuba adaheruka aho uwo mutungo uri. Ibi kandi ni nako bigenda ku ushaka kugura umutungo utimukanwa kandi nta makuru y’ibiciro bigezweho ku isoko afite kuri uwo mutungo.

Uwarugira ati “ Urashaka kugurisha ariko ntuzi igiciro kiri ku Isoko kuko kera wenda mu myaka 15 ishize byari biri kuri make. Ese ndagurisha angahe? Icyo gihe tugukorera igenagaciro ry’uwo mutungo wawe tukakubwira ngo nujya kugurisha wahera aha mwumvikana. Ni nako tugira inama ushaka kugura umutungo utimukanwa tuti ‘raporo y’igenagaciro igaragaje ibi n’ibi ubwo wahera aha wumvikana n’uwo ugurisha.”

Igenagaciro ryifashishwa mu nkiko

Iyo umuntu agiye kuburana umutungo hari umubare w’amafaranga utuma umutungo ujya mu rwego runaka, cyangwa se abagiye kugabana imitungo, aha bisaba igenagaciro ryakozwe n’ubifitiye ububasha.

Hari abashakanye baba bagiye gutandukana, hari n’abandi bashobora kuba bafatanyije ubucuruzi bafite imitungo bashaka kugabana, abo bakenera igenagaciro.

Impamvu wagana Mutli Design Group Ltd

Multi Design Group Ltd ni kompanyi imaze imyaka umunani itanga serivisi zinyuranye zirimo; gucunga imitungo itimukanwa, kugena agaciro, gukora imishinga no kuyicunga n’ibindi.

Ushinzwe imyenyekanishabikorwa muri iki kigo, Uwimana Jeanine, avuga ko bafite umwihariko kuko bafite amashami mu gihugu cyose ku buryo bagera ku bakiriya babo bitabagoye.

Yagize ati “Dukorera mu ntara zose mu turere dutandukanye harimo Rusizi, karongi, Rubavu, Musanze, Muhanga, Huye, Nyagatare, Kayonza n’ icyicaro gikuru kiri mu Mujyi wa Kigali i Nyamirambo.”

Uwakoresheje igenagaciro muri Multi Design Group Ltd, ahabwa raporo y’umutungo we mu gihe kitarenze amasaha 24, yaba ari mu ntara bayimwoherereza aho ari. Iyi raporo iba yabanje kwemezwa n’umugenagaciro wemewe n’urugaga rwabo mu Rwanda. Bashishikariza abantu bose bifuza izi servisi kubagana kuko biteguye kubaha serivisi zihuse, nziza, ku giciro cyiza.

Uwimana Jeanine avuga ko batanga serivisi nziza kandi zihuse
Mu gihe ukeneye gusorera umutungo utimukanwa cyangwa se gutanga ubwishingizi ni ngombwa ko umenya agaciro kawo
Umurima w'icyayi umwe mu yabaruriwe agaciro na Multi Design Groupe
Multi Design Group ni ikigo gitanga serivisi z'igenagaciro rya kinyamwuga

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