Amafaranga: Banki ya Kigali yahaye inama z’ubukungu n’ubucuruzi abahatanira kuba Miss Rwanda
Mbere yo gutoranya umushinga udasanzwe biteganijwe kuri uyu wa Kabiri, tariki ya 16 Werurwe, Banki ya Kigali na Inkomoko ishinzwe iterambere rya ba rwiyemezamirimo, bakoze inama yo gusangira ubumenyi bwo kwihangira imirimo no gucunga imari hamwe n’abahatanira kuba Miss Rwanda 2021.
Mu isomo rya mu gitondo, abitabiriye amarushanwa bagiranye ibiganiro na Nicole Kamanzi, Umuyobozi w’ishami ry’ubucuruzi mu karere, ushinzwe Umujyi wa Kigali na Paulette Mpano, waturutse muri Inkomoko Entrepreneurship Development.
Kamanzi yatangiye isomo abaza abahatana ibijyanye no kumva amafaranga cyangwa banki, batanga ibisubizo bitandukanye.
Mu bisubizo byabo, abakobwa bavuze ko amafaranga cyangwa banki bisobanura igishoro, umutungo cyangwa ubutunzi, bishobora kugwizwa mu gihe abandi bavuze ko amafaranga cyangwa banki ari ikintu gishobora gufasha umuntu kurandura ubukene.
Kamanzi yabwiye abakobwa mbere yo kubabaza niba bafite konti za banki cyangwa bazigama, kuri icyo kibazo ati: “Nishimiye ko mwese musobanukiwe n’amafaranga icyo ari cyo kandi mukamenya icyo banki ikora.”
Ati: “Kuri twe muri BK twizera ko amafaranga ari umutungo, iyo akoreshejwe neza, ashobora guhindura ubuzima bw’umuntu. Twizera kandi ko banki nk’ikigo cy’imari ifite icyo bisaba kugira ngo ihindure ubuzima, imibereho n’ubukungu.”
Yasobanuriye abahatana ati: “Niyo mpamvu intero yacu muri BK igira iti “financially transforming lives.”
Iri somo kandi ryabaye umwanya wo kuganira ku byemezo abakobwa, nubwo bakiri bato, bafata namafaranga yabo.
Ati: “Urizigamira cyangwa iyo ubonye amafaranga, utekereza kugura isakoshi nziza, kwishyiraho ibirungo cyangwa kugura ibindi bikoresho? Iyo ubonye byinshi, utekereza kuzigama cyangwa ukomeza gushaka kugura ikindi kintu, inkweto nziza? ” Kamanzi yabajije abahatana.
Yavuze ko inshingano zisaba amafaranga zitangira umuntu akiri muto kuko iyo urebye hirya no hino, buri wese afite inshingano kandi binyuze mu kuzigama niho ushobora kugera ku ntego zawe.
Kamanzi yagize ati: “Iyo uzigamye amafaranga, uzabona ko hari umuvandimwe cyangwa mugenzi wawe ushobora gutera inkunga cyangwa ushobora no gutangiza umushinga muto wo kugwiza amafaranga wizigamiye.”
Ati: “Nka banki yiyemeza, akazi kacu ni ukwigisha abantu gukoresha bike bafite kugira ngo babihindure byinshi.”
Kamanzi ati: “Urugero, niba washoboye kuzigama ayo mafranga ukereka banki ibyo washoboye kuzigama, ishobora kuguha inguzanyo yo gukora ubucuruzi kuko wagaragaje ubushobozi bwawe bwo kuzigama no gushaka kwiteza imbere”.
Yavuze ko ari yo mpamvu BK yemerera abantu gufungura konti zitandukanye.
Kamanzi yagize ati: “Dufite konti zitandukanye, ndetse no ku banyeshuri cyangwa ku bana, aho ushobora kuzigama amafaranga ukayakoresha mu gihe kizaza kugira ngo witeze imbere”, yabwiye abahatana ko nta myaka yihariye yo gutangira kuzigama.
Kamanzi yahamagariye abakobwa kuvuga niba bafite konti no gusobanura ibyiza byo kuyigira.
Umwe mu bakobwa yavuze ko akoresha konti ye kugira ngo abike amafaranga kugira ngo agere ku ntego runaka, mu gihe undi yavuze ko konti imufasha kubika amafaranga no kwirinda ibishuko byo kuyakoresha.
Muri iri somo, abashyitsi baganiriye ku buryo butandukanye bwo gukoresha konti umuntu akoresheje internet n’ubundi buryo bwo gucuruza umuntu ashobora gukora nko kohereza byihuse akoresheje ikoranabuhanga, kugira ngo bamenye uko bumva amafaranga n’uburyo ahererekanywa.
Yasobanuriye abitabiriye amarushanwa uko serivisi zo kohereza amafaranga zikora, ndetse n’amakarita y’amafaranga ashobora gukoreshwa mu bice bitandukanye by’isi – byose bitangwa na BK.
Kamanzi yasobanuriye abakobwa serivisi zitandukanye Banki ya Kigali ifite, harimo ‘Ikofi’, serivisi yibanda cyane ku bahinzi kimwe n’izindi z’inguzanyo ku bantu batangiza imishinga y’ubucuruzi.
Banki ya Kigali, umuterankunga wa mbere wa Miss Rwanda, izatera inkunga umushinga udasanzwe uzahiga indi kandi yishyure umujyanama wo gufasha uwatsinze umwaka wose.
Ku ruhande rwe, Mpano waturutse mu Inkomoko, yabwiye abakobwa ko bagomba gutekereza byisumbuye bakazana imishinga idasanzwe, izatanga ibisubizo ku baturage.
Yavuze ko kwihangira imirimo myiza ari ugukemura ibibazo kandi nta kwigana gusa ibimaze gukorwa, ahubwo ko ari uguhanga udushya kugira ngo uzane ibitekerezo bigira icyo bihindura.
Mpano na Kamanzi bumvise ibitekerezo bitandukanye by’abahatana kandi babaha inama z’uburyo bwo kubateza imbere, mbere yo gutangaza imishinga yabo ku wa Kabiri.
Inkomoko yashinzwe mu 2012 na Julienne Oyler na Sara Leedom, yagiye itera inkunga ba rwiyemezamirimo b’ahazaza guhindura ibitekerezo byabo bikavamo ubucuruzi, harimo n’impunzi. Ubu uyu muryango urimo kwagurira amashami mu bindi bihugu bya Afurika harimo na Kenya.
Mpano yavuze ko bashyigikiye imishinga mito n’iciriritse (SMEs) gukomeza gushikama binyuze muri serivisi z’iterambere ry’ubucuruzi. Inkomoko ni igice cy’umuyoboro wa African Entrepreneur Collective (AEC).
Mpano yashishikarije abahatana gutangira gutekereza ku buzima bwabo, mu bijyanye no kuzigama ndetse n’icyo bashobora gukora n’icyo bazigamye, abibutsa ko guhitamo umushinga mwiza bizibanda ku bafite ibitekerezo bifatika.
Ati: “Niba ubonye amahirwe yo gusobanura wawe, banza urebe neza ko ufite igitekerezo gishya gikwiye guterwa inkunga”.
Abatanze ibiganiro basabye abahatana kugira ‘ibitekerezo bibyara amafaranga’ kugira ngo bahabwe amahirwe yo gutsinda.
Basabye abakobwa kuvuga bafite ikizere kandi bakigaragaza mu gihe cyo gusobanura imishinga yabo.
“Ugomba kuvugana umushinga wawe icyizere. Ugomba kuzana ibitekerezo kandi witeguye kubisobanura”, Kamanzi.
