Izi nama yazitangiye mu kiganiro The Business Room, asigaye akorana na murumuna we Kenny Mugarura, nyuma yo kongera kubyutsa ibiganiro byahoze byitwa AbaVip, byibandaga ku gutanga ubumenyi mu by'ubukungu.

Mu kiganiro cyasohotse ku wa 9 Ugushyingo 2026, Coach Gael yagarutse ku buryo abantu, by'umwihariko urubyiruko, bashobora gucunga neza amafaranga binjiza, ndetse bagatangira kwizigamira nubwo baba bafite umushahara muto.

Yasobanuye ko kimwe mu bibazo bituma abantu bahora bavuga ko amafaranga abashirana ari ukutabasha guteganya uko bazayakoresha.

Ati “Kugira ingengo y’imari no kwizigama, ibyo bintu ni byo shingiro ry’ikintu cyose kijyanye n’amafaranga.”

Coach Gael yavuze ko hari abantu binjiza amafaranga, ariko bakayakoresha nta gahunda bafite, ku buryo iyo ashize batabasha gusobanura aho yagiye.

Ati “Iyo nta ngengo y’imari ukora, amafaranga arijyana. Kubera nta ngengo y’imari, bahita babyita ngo ni ‘inyatsi’ cyangwa ‘karande’. Ntabwo ari byo. Ni ikibazo cyo kutamenya neza ‘amafaranga yanjye ni uku angana, ni uku ngomba kuyakoresha.”

Yifashishije zimwe mu nyigisho zo mu gitabo The Richest Man in Babylon, cyanditswe na George Samuel Clason, agaragaza uko umuntu ashobora kugabanya amafaranga yinjiza akayagenera ibikorwa bitandukanye, harimo kwizigamira, kwishyura ibikenerwa by'ibanze no kwishimisha.

Yatanze urugero rw'umuntu uhembwa ibihumbi 200 Frw buri kwezi, asobanura ko akwiye kubanza kwikuriraho 10% by'umushahara we, angana n'ibihumbi 20 Frw, akayizigamira aho gutegereza kuzigama ayasagutse.

Ati “Umushahara w’ibihumbi 200 RWF, 10% ndabanza mvuge ngo ‘ni ayo kwihemba’, nyashoye muri Gael w’ahazaza. Winayavanga. Banza uyite ayo kwizigama, kuzashoramo imari.”

Yasobanuye ko andi 10% ashobora kugenerwa amafaranga yo kwifashisha mu bihe by'amakuba cyangwa ibindi bibazo bitunguranye.

Ibyo bivuze ko umuntu uhembwa ibihumbi 200 Frw yaba amaze gushyira ku ruhande ibihumbi 40 Frw, agasigarana ibihumbi 160 Frw byo gukoresha mu mibereho ya buri munsi.

Coach Gael yavuze ko kuba umuntu yari asanzwe akoresha umushahara wose bitavuze ko adashobora kwiga kubaho akoresha amafaranga make ku yo yinjiza.

Ati “Ubwo nsigaranye ibihumbi 160 RWF, 40 byagiye. Niba watungwa n’ibihumbi 200, 160 byagutunga. Ntabwo wapfa! 40% ntakarenge ku nzu ukodesha. Ibiryo, ingendo, amazi, umuriro n’ibindi, tubihe 30%.”

Mu buryo yasobanuye bwo kugabanya umushahara, 40% yagenerwa ubukode bw'inzu, 30% igakoreshwa mu bindi bikenerwa by'ibanze, mu gihe 10% isigaye yashobora gukoreshwa mu kwishimisha.

Gusa yavuze ko umuntu ufite ubushobozi buke cyangwa ibikenerwa byinshi ashobora kugabanya amafaranga agenera kwishimisha, akayongera ku yo gukoresha mu buzima bwa buri munsi.

Inama ze zishingiye ku kumvikanisha ko kugira amafaranga menshi atari byo byonyine bituma umuntu abasha kwizigamira cyangwa gutera imbere, ahubwo ko no kumenya gucunga ayo afite ari ingenzi.

Ibiganiro bya Coach Gael na Kenny Mugarura byari bimaze imyaka isaga itatu bidakorwa. Byagarutse byarahinduriwe izina, biva kuri AbaVip byitwa The Business Room.

Coach Gael yavuze ko bateganya kujya basohora nibura ikiganiro kimwe buri cyumweru, bakomeza gusangiza ababakurikirana ubumenyi n'ubunararibonye mu by'ubucuruzi, ishoramari n'imicungire y'amafaranga.