AMAHAME YAGUFASHA GUTANGIRA BUSINESS NEZA

AMAHAME YAGUFASHA GUTANGIRA BUSINESS NEZA

Ubajije buri muntu wese ugerageza gushora imali cyangwa se umuntuugerageza kugira icyo akora mu buzima bwe, akubwira ko intego nyamukuru ituma akora ibyo akora uwo munsi ari ukubona amafaranga

Ivan Nyagatare

Mu gutegura iyi nyandiko, twifashishije igitabo cy’umushoramari akaba n’umwanditsi w’Umwongereza –Michael Morris . Muri iki gitabo, Michael Morris yanditse, yagishingiye ku gitekerezo nyamukuru kivuga ko hari intambwe nibura 10 umuntu wese ushaka gutera imbere mu bucuruzi bwe –cyangwa se mu ishoramari no guhindura ubuzima agomba gukurikiza, kandi bikamugeza ku intsinzi uko byagenda kose. Ukaba rwiyemezamirimo ugera ku ntego mu gihe icyo ari cyo cyose wagendeye muri izi ntambwe 10.

Icyo Morris agaragaza cyane ku bantu bashaka kuba ba rwiyemezamirimo ni ‘ukwigenga’.

Ubwigenge.

Yaranditse ati : « Ubajije buri muntu wese ugerageza gushora imali cyangwa se umuntuugerageza kugira icyo akora mu buzima bwe, akubwira ko intego nyamukuru ituma akora ibyo akora uwo munsi ari ukubona amafaranga ». Birasanzwe. Kuba umukire w’igitangaza nabyo benshi barabirota. Ariko ihame rusange ugomba kumenya kuri ibingibi ngo « Ugomba kumenya ko umushoramari cyangwa se umuntu watangiye ubucuruzi bwe, kugirango abikore neza ari cyo kintu agomba gufatira umwanya kuva mu gitondo kugera nimugoroba »

Ikindi ngo ni uko « Umushoramari ufite byinshi cyangwa se uranguza stock nini, uwo ntabwo bivuga ko ari we ugomba kuzaba umukire w’icyamamare ugereranyije n’abandi. Uwo ntabwo ari umukire. Ashobora cyakora kuba umuntu wishoboye ».

Ahubwo umukire kurusha abandi Morris yavugaga, yasobanuye ko ari
« wa muntu ushobora kugera igihe runaka, maze ngo n’igihe yaba asinziriye cyangwa se ari mu kiruhuko –ari ku mucanga yumva akayaga ari nako arya ubuzima, imali yakoze kera cyangwa se ubucuruzi yatangije kera bikagumya kubyara amafaranga n’ubundi nta cyahindutse. Uyu muntu byanze bikunze agomba kuba umukire. N’iyo yapfa, ibi birakomeza ».

Nguyu umuntu warangije gushyira ku murongo ibijyanye na business kugera ubwo ishobora gukora, we atanahari.

Burya bwose, ntabwo ari ikintu cyoroshye kugira amafaranga menshi !

Umuntu wese muziranye wigeze kugira amafaranga menshi ntabwo ari umuswa : Aho uzagirira amafaranga, uzatangira kugira ijambo. Abantu batandukanye bazatangira gukeka ko ‘uri umutegetsi wabo’, banakubahe cyane – cyangwa se bagutinye kurusha n’uko batinya abategetsi basanzwe bitoreye ! Impamvu bazagutinya [bakanakubaha cyane], ni uko n’ubundi muri kamere z’abakire barategeka ! Kandi bategeka abantu batabatoye ! Bivuze ko abantu bazakuva mu nzara gusa ni abantu bazaba bakurusha ubushobozi, abandi bose bari munsi yawe uzaba umeze nk’aho ubabereye umutegetsi.

Ku isi yose, uyu munsi habarurwa abakire benshi cyane –abo twakwita abakire. Ariko, abaherwe bo – urwego wakwita ko ari urwa nyuma, ni bake : Wibaze nawe ko mu isi ituwe na miliyaridi 7,5, abantu 2825 gusa nibo batunze miliyaridi 1 y’amadolari. Aba bantu bacye gutya twumvise, bahurije hamwe tiriliyoni 8 na miliyaridi zirenga 700 z’amadolari !

Aya mafaranga aruta kure ubukungu bw’abandi bantu basigaye ku isi. Ibingibi ubwabyo bivuga ko umubumbe wacu utazigera ukenera ko abantu bose bagomba kureshya mu bukungu : Gusumbana gutya mu bukungu bizahoraho. Niyo mpamvu ku bantu bashaka kuba abakungu, igihe cyose arangwa n’umuvuduko.

Photo by Christina @ wocintechchat.com on Unsplash

Kwihuta.

Niba ushaka kwinjira mu cyiciro gikurikiye icyo wari urimo, ugomba kwihuta ugasiga icyiciro urimo uyu munsi : Niko bigenda. Naho kwiruka mu muvuduko byo, bizahoraho. Ibi rero ni nabyo birambuye muri iki gitabo cya Michael Morris, twagerageje gutegurira abasomyi mu buryo bw’incamake, kugira ngo twige uko ‘wasiganwa n’abo muri mu kigero kimwe, kuko nudashaka kubasiga, bo bazagusiga. Ntabwo bazigera bakorohera kubera ko wahagaze ! nta n’ubwo bazakurinda.

Ikizaba, ni uko nutinda gato –uhuzagurika, uzisanga uri umucakara w’abantu bose bagusize : bazaguhemba intica ntikize mu myaka myinshi y’ubuzima bwawe, hanyuma baguhe amabwiriza ujye uyakurikiza buhumyi.
Niba utangiye gukora business, ubucuruzi cyangwa warashinze akandi kantu kawe wigengaho, ukeka ko kazakubyarira amafaranga, imenyereze aya mategeko :

Ihame rya mbere: Kwizirika umukanda [live below your means].

Kubaho urya ubusa, ubeshejweho n’amafaranga macye rwose ari munsi y’ayo ushobora kubona kugira ngo utaza kurya ibiruse cyane inyungu ushobora kuvana mu bucuruzi watangiye –cyane cyane ko umuntu ugitangira n’ubundi ntabwo aba yunguka menshi.

Abantu benshi bagishinga business cyangwa se batangiye kwihangira umurimo runaka bakoresha imbaraga z’umurengera mu gutangiza uwo murimo. Imbaraga bakoresha batangira ziba ari nyinshi cyane ku buryo usigara usa n’aho ucungiye ku kanyungu gacye cyane kinjiye kavuye mu byo washoye.

Muri bya bihumbi hafi 3 twavuze bitunze za miliyaridi z’amadolari, hafi 50% by’abangaba ni Abanyamerika. Nicyo gihugu gifite abaherwe benshi kuruta igice gisigaye cy’isi. Ubutunzi muri iki gihugu butagabanyije ku buryo bubereye bose ! Ubu butunzi nibwo butuma gishyira imbere amahame ya gikapitalisiti [ibi mu kinyarwanda ushatse wabyita ‘kwizizira no guhangana mu bukungu’].

Nyamara ubushakashatsi bwagaragaje ko 50% by’Abanyamerika muri rusange b’abaherwe bakurikije iri hame ryo ‘kurya duke mu minsi ya mbere’ : Kwizirika, ukarya udufaranga tungana urwara, cyangwa se ukarya bicye ugereranyije n’ibyo winjije ku munsi mu gihe ugitangira ubucuruzi bwawe.

Ibi birumvikana, ni ukubera ko akenshi ibigi, za business n’ishoramari bigitangira biba bikeneye imbaraga nyinshi kuruta kurya. Naho 45% by’abatarakoze ibingibi byo kurya duke –munsi y’ayo binjiza cyane, bahise basubira ku isuka barataha. Byumvikana nko kwizirika umukanda, kandi koko nibyo.

Kuri iyi ntambwe hari ikibazo rero : Uti yee, kwizirika umukanda birumvikana, ariko se bitewe n’ayo nakoreye, ubwo ayo kurya yaba ari ijanisha ringana rite ?

Turabibona mu kanya tugeze ku ngingo yacu ya 2 yitwa ‘Kwizigamira’.

Ihame rya kabiri. Kwiyubakamo akamenyero ko kwizigamira. [Pay Yourself First !]

Uko byakugendekera kose, niba umushinga wawe cyangwa se business yawe yaratangiye kwinjiza amafaranga, ugomba kwizigamira. Inama iruta izindi abahanga mu bukungu bakugira ni uko ‘ubwizigame bwawe butagomba kujya munsi ya 20% by’amafaranga yose wungutse’ : Niba wungutse amafaranga 100 ku munsi, ubwo ubwizigame bwawe ni amafaranga 20.

Ihame turi kwigaho riravuga ngo ‘Pay Yourself First. Banza Wiyishyure Wowe Ubwawe’.

Mu magambo macye, amafaranga twishyura ba nyiri inzu tubamo, amafaranga turiha amashuri y’abana, amafaranga twishyura ku isoko tugiye guhaha n’amafaranga tubika ku mufuka yo gutanga ku birori n’ahandi n’ayo twishyura ingendo tugiye ku kazi ntabwo ari ya mafaranga ‘twiyishyura cyangwa twihemba’.

Mu bijyanye n’ibaruramali, ariya mafaranga ubundi wakagombye kuyashyira mu mafaranga yakoreshejwe muri business zawe mu kazi ka buri munsi. Ubwo ukwiye kuyavanga n’igishoro mu bundi buryo. Kuko n’ubundi akazi ukeka ko ukora, ntabwo kari gushoboka iyo utaza gushaka ahantu ho kuba, ibyo kurya, uburyo bwo kugera no kuva ku kazi, itumanaho ryerekeye akazi, n’ibindi.

Amafaranga yawe ya nyayo buriya mu mafaranga yose ufite wakwita igihembo cyawe ni amafaranga wizigamye –nibura 20%.

Ikindi cy’ingenzi, ni uko aya mafaranga ugomba kuyihemba mbere y’ibindi byose : Pay Yourself First ! Banza Wihembe ! Ibi rero usanga binanira abantu benshi.
Kugeza ubwo umuntu agera mu zabukuru atarabashije kwizigamira, kandi yarakoze business akagira umutwaro w’amafaranga ! Mu bihugu bikomeye cyane mu bukungu –dukeka [wenda tunibeshya !] ko ari bo bazi kwizigamira cyane kurusha Abanyafurika, urugero nko muri Leta Zunze Ubumwe za Amerika, hakozwe ubushakashatsi, bagaragaza ko ‘70% by’abantu bagerageje kwizigamira bose, bagiye gusaza badafite 1000 cy’amadolari kuri konti yabo bizigamiraho !’

1000 cy’amadolari y’Abanyamerika ! ugereranyije kuri ubu ni miliyoni 1 y’amanyarwanda. N’abagerageje gukora nk’ibi byo kwizigamira –wenda nawe urimo, mwarabikoze. Ugeze mu mezi 7 cyangwa se mu mwaka ujya kuyavanayo mu cyo wise ‘Emergency. Ibyihutirwa’. Waragiye ubwira abakozi ba banki ko ufite ikibazo cyihutirwa kandi kigutunguye cyane, bityo uti ‘nimumbikurira bwa bwizigame bwanjye bwose !’

Soma igice cya kabiri.