Abantu benshi bifuza kuzigama, ariko rimwe na rimwe bikabagora kubera ibikenerwa bya buri munsi. Hari abategereza ko ukwezi kurangira ngo bazigame amafaranga asigaye, nyamara akenshi basanga nta yasagutse.

Mu rwego rwo gufasha abakiliya guhindura iyo myumvire, Ecobank Rwanda yashyizeho konti ya Save as You Spend (SAYS), ituma umuntu ashobora kwizigamira buri gihe akoresheje amafaranga, bitamusabye gukora igikorwa cyihariye cyo kuzigama.

Iyi serivisi iha abakiliya amahirwe yo guhuza imikoreshereze y’amafaranga ya buri munsi no guteganyiriza ejo hazaza.

Uburyo Save as You Spend ikora buroroshye. Bisaba kuba usanzwe uri umukiliya ufite konti muri Ecobank ukoresha mu bikorwa byawe bya buri munsi noneho ugafunguza indi konti ya Save as You Spend, igahuzwa n’iyo usanzwe ukoresha, hanyuma ukemeza ijanisha ry’amafaranga ushaka kujya wizigamira igihe cyose ukoresheje amafaranga kuri konti yawe isanzwe.

Urugero, iyo umukiliya yahisemo kuzigama 5% by’amafaranga akoresha, maze akishyura ibicuruzwa bya 20.000 Frw, ahita yizigamira 1.000 Frw.

Bivuze ko kuri konti ye havaho 20,000 Frw y’ibyo yishyuye, hamwe na 1,000 Frw ihita ishyirwa kuri konti ye ya Save as You Spend.

Ibyo byose bikorwa mu buryo bwikora (automatic), bityo umukiliya agakomeza ibikorwa bye bisanzwe ari na ko yubaka ubwizigame bwe.

Ikindi cyiza ni uko umukiliya ubwe ari we uhitamo ijanisha ryo kuzigama, bitewe n’ubushobozi bwe n’intego yihaye.

Save as You Spend ntifasha abakiliya kuzigama gusa, ahubwo inabaha amahirwe yo kungukirwa n’amafaranga bazigamye.

Amafaranga ari kuri iyi konti yungukirwa n’inyungu ya 5,5% ku mwaka, bitewe n’ingano y’ubwizigame, igihe amafaranga amaze kuri konti n’amabwiriza agenga serivisi.

Ubu buryo butuma umukiliya adategereza kugira amafaranga menshi ngo atangire kuzigama. Ashobora guhera ku mafaranga make, akagenda ayongera uko akoresha konti ye.

Uko kuzigama bigenda biba akamenyero, ni ko bishobora kumufasha kugera ku ntego ze, zirimo guteganyiriza amashuri y’abana, kugira amafaranga y’ingoboka, gutegura umushinga cyangwa kugera ku zindi ntego z’igihe kizaza.

Leonard Gahonzi, Umuyobozi ushinzwe serivisi zigenewe abakiriya ku giti cyabo muri Ecobank Rwanda, yashimangiye ko kuzigama bikwiye kuba kimwe mu byo umuntu ashyira imbere mu micungire y’amafaranga ye.

Ati “Kuzigama ntibikwiye kuba igikorwa dutegereza gukora ari uko hari amafaranga yasagutse. Ahubwo bikwiye kuba umuco uhoraho mu buzima bwacu. Twifashishije konti ya Save as You Spend, turashaka gufasha abakiliya kwizigamira mu buryo bworoshye, bahereye mu buryo bakoresha amafaranga yabo mu bikorwa byabo bya buri munsi. Iyo umuntu azigama buri gihe, n’iyo yaba ari amafaranga make, aba atera intambwe iganisha ku kugira ubushobozi. Kuba iyi konti inatanga inyungu ya 5,5% ku mwaka ni andi mahirwe afasha abakiliya kongera ubwizigame bwabo no guteganyiriza ejo hazaza.”

Ku muntu uhabwa umushahara, ukora ubucuruzi cyangwa ufite indi soko y’amafaranga, iyi konti ishobora kumufasha kuzima amafaranga make make uko agenda akoresha ayo afite, aho gutegereza ko haboneka menshi icyarimwe.

Mu kwizihiza Umunsi Mpuzamahanga wo Kuzigama, Ecobank Rwanda iributsa abantu ko kuzigama atari umuco ugenewe abafite amafaranga menshi gusa. Ni umuco buri wese ashobora gutangira, akurikije ubushobozi bwe.

Kuzigama uyu munsi ni uguteganyiriza ejo hazaza. Kandi intambwe nto umuntu atera buri gihe ishobora kumugeza ku ntego nini.