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Ni ryari umwana akwiye gutangira kwigishwa imikoreshereze y’amafaranga? Inama za Warren Buffett

Yanditswe na Zigiranyirazo Bajecteur
Kuya 1 Nyakanga 2021 saa 10:33
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Ku myaka 91 n’umutungo wa miliyari zirenga 100$, Warren Edward Buffett ni umwe mu bakire bubashywe cyane ku rwego rw’Isi n’abafite ibikorwa bifasha abari mu kaga.

Uretse ibikorwa by’ubufasha, Buffett anazwi cyane mu gukoresha umutungo mu buryo butandukanye n’ubw’abandi bakire, kuko uyu mukambwe agituye mu nyubako yaguze mu 1958, ndetse akaba yaramaze igihe kinini cyane atagira indege zihariye zitwara abakire n’abayobozi bakomeye, ahubwo akoresha imodoka rusange na gari ya moshi.

Ku myaka itandatu gusa, Buffett yatangiye ibikorwa by’ubucuruzi bworoheje, aza no gutangira ibikorwa by’ubucuruzi bw’ibinyamakuru na shikarete amaze kuba ingimbi, aho yabicuruzaga ku baturanyi be.

Urukundo rw’iby’ubucuruzi rwatumye Buffett ahitamo kubyiga muri kaminuza zirimo iya Nebraska yarangijemo ku myaka 19 ndetse na ‘Colombia Business School’.

Uyu mugabo waminuje akanakoresha ubumenyi bwe mu kubaka kimwe mu bigo by’ubucuruzi bikomeye muri Amerika, yatangaje ko uburyo bwo kwigisha abana ibijyanye n’amafaranga ndetse n’icungamari bukwiye kuvugururwa bugahuzwa n’igihe.

Buffett avuga ko ababyeyi bo muri iki gihe bagwa mu ikosa ryo gutangira kwigisha abana babo ibijyanye n’amasomo y’icungamutungo ‘bamaze guca akenge’ kandi bishoboka cyane ko byakorwa mbere y’igihe umwana akiri muto cyane, kugira ngo ayo masomo y’ingirakamaro azamufashe mu buzima bwe bwose.

Urukundo rw’iby’ubucuruzi no kubicunga neza Buffett avuga ko yabukuye ku mubyeyi we, Howard Homan Buffett, wamutoje kugenzura no kwishakira ubutunzi hakiri kare, kuko “Gutangira kare ibikorwa by’ubucuruzi bigira uruhare mu kuzamura umusaruro w’umuntu.”

Howard Buffett na we yari umucuruzi ukomeye cyane mu bihe bye ndetse akaba yari n’umunyapolitiki kuko yahagarariye Leta ya Nebraska akomoka inshuro enye mu Nteko Ishinga Amategeko ya Amerika.

Buffett yavuze ko nubwo se yari umukungu, atamuhaga amafaranga yo gusesagura, ahubwo yamwigishije akamaro ko kwizigamira akiri muto, binyuze mu mikino n’ibindi bitandukanye.

Yagize ati “Data yambereye icyitegererezo gikomeye. Yanyigishije kugira ingeso nziza hakiri kare, ananyigisha kwizigamira kandi ni ryo somo rikomeye namwigiyeho kuva nkiri umwana.”

Mu bihe bye byose, Buffett yabaye impirimbanyi yo kwigisha abarimo urubyiruko aya masomo na cyane ko iterambere ry’ikoranabuhanga, ririmo amakarita afasha abantu kwishyura, kubikuza amafaranga byoroshye hifashishijwe telefoni, iterambere ry’imbuga nkoranyambaga n’ibindi, byagize uruhare runini mu gukwirakwiza ingeso yo gusesagura.

Uretse iri terambere, Buffett avuga ko kimwe mu bibazo bikomeza gukongeza ingeso zo gusesagura ari uruhare rw’ababyeyi rwabaye rucye mu kwigisha abana babo amasomo yo kwizigamira.

Yagize ati “Rimwe na rimwe ababyeyi bategereza ko abana babo baba ingimbi cyangwa abangavu, kugira ngo babone gutangira kubabwira ibirebana no gucunga neza amafaranga, nyamara bakabaye batangira kubibwira abana babo mbere bakiri mu mashuri y’inshuke.”

Kimwe mu bibazo bikunze kwibazwaho n’ababyeyi benshi, ni ukumenya igihe cya nyacyo umwana akwiye gutangira kwigishwaho amasomo y’icungamutungo.

Ubushakashatsi bwakozwe na Kaminuza ya Cambridge mu Bwongereza, bwagaragaje ko umwana w’imyaka iri hagati y’itatu n’ine ashobora gutangira kwigishwa amasomo y’icungamutungo, binyuze mu dukino duto ndetse no kuganirizwa.

Iyo umwana ageze ku myaka irindwi, aba ashobora kumenya icyo gukoresha amafaranga afite, ku buryo umubyeyi utaratangiye kuganiriza umwana we ku bijyanye n’umutungo, aba atangiye gukererwa.

Ubushakashatsi bwa T. Rowe Price mu 2018, bwakorewe ku babyeyi 1014 bafite abana bari hagati y’imyaka umunani na 14 bukanakorerwa ku basore n’inkumi bari hagati y’imyaka 18 na 24, bwagaragaje ko ababyeyi 4% bonyine ari bo batangiye kwigisha abana babo ku ngingo zirebana n’amafaranga bakiri munsi y’imyaka itanu.

Ababyeyi 30% bavuze ko batangira kwigisha abana babo ibirebana n’amafaranga iyo bagejeje imyaka 15 cyangwa bayirengeje, naho abagera kuri 14% bavuga ko batajya babyigishaho abana babo.

Mu rwego rwo guhangana n’ibi bibazo, mu 2011 Buffett yatangije ibiganiro yise ‘Secret Millionaire’s Club’ bigamije kwigisha abana uburyo bwo kwizigamira ndetse no gukoresha neza umutungo wabo.

Ibi biganiro yabisoje akozemo ibice 26, aho yaganiriye n’abanyeshuri kandi muri buri kiganiro akigisha isomo rijyanye n’amafaranga n’aho ashorwa.

Uyu mukambwe yabwiye CNBC ko abana be batatu bose yabigishije amasomo yo muri ibyo biganiro, akavuga ko amasomo yari abikubiyemo yoroshye, akaba ari n’ingenzi mu bucuruzi no mu buzima busanzwe.

Ayo masomo yibanze ku buryo bwo kwagura imitekerereze ya muntu ku bijyanye no gufata ibyemezo bikwiye kandi mu gihe gito, ibijyanye no kwizigamira, kwita ku gaciro k’icyo umuntu agiye kugura, byaba ngombwa akagura ibintu bihendutse kandi bifite imikorere ijya kumera kimwe n’ibintu bihenze ndetse no kumenya isesengura ry’amakuru mu rwego rwo gufata ibyemezo bizima.

Mu bihe bitandukanye, Buffett yakunze kunenga uburyo ibigo bitandukanye byamamazamo ibicuruzwa byabyo, kuko bituma abantu bashamaduka bakabigura ku bwinshi kugera ubwo bagura ibyo badakeneye, bitewe n’uko badafite ubumenyi ku mikoreshereze y’umutungo wabo.

Umwana w’imyaka itatu ashobora gutangira kwigishwa ibijyanye n’amafaranga, binyuze mu mikino mito

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