Ubutunzi? Yego. Ariko se, uramaranira “gutunga ku bwawe” cyangwa “ku bwa rubanda”?

Ndayoboza ku idembe bambe we! Nyereka inzira igana aheza, unampe iyabo kandi, wowe wagize Imana. Twahinganaga imigende, none ugendera mu ndege...” Mugabo Justin muri “Ndayoboza ku idembe”.

“The man who dies thus rich, dies disgraced” Andrew Carnergie.


Mbese ni byo? Usize abandi mu gutondagira ingazi z’ubutunzi n’icyubahiro, iyo aziminutse ahatirwa gukebuka (kwibuka) abo yasize inyuma? Iki kibazo nakomeje kucyibaza ubwo nari maze gusoma amagambo yuzuye ubushishozi yavuzwe n’umuherwe A. Carnergie (reba hejuru mu nteruro), wari waramaze gucigatira rwose mu biganza bye ubutunzi mu rugero umuntu usanzwe adashobora kubura kubona neza ko ‘rurenze ubwenge bwa rubanda usanzwe’.

Ubwo nakomezaga gukurikira inkora y’izo ntekerezo, naje kugezwa ku bihangano bitandukanye nagiye numva, nza kugenda mbihuza n’ibyo narimo ngundagurana nabyo, nsanga byuzuye inyurabwenge –ndetse birushaho kunyemeza ko burya abahanzi [batari ba Sagihobe] bagira imbaraga [zindi] zibamurikira rwose! (Ingero: L’argent et le Bonheur ya Daouda Le Sentimental; Amafaranga ya Masabo Nyangezi, Ndayoboza ku idembe ya Mugabo Justin, Uwampa ibya Mirenge ya Rugamba Cyprien, Waba usize nkuru ki? na Umurage [remix] ya Byumvuhore Jean Baptiste, Ubigenza ute ya Niyo Bosco, Uzibukirwa ku ki? Ya Clarisse Karasira, n’izindi).

Naje kwibwira ko ibyerekeye gutekereza ku butunzi ari ‘inyanja ngari y’ubumenyi’, ariko kandi ko twabusiganirwa twagira, amateka agaragaza ko “kubucigatira ari intsinzi yego, ariko noneho kumenya kubukoresha rikaba ari ryo ishuri rikomeye”: uwabucigatiye akabukoresha neza si ‘uwabwibitseho, akabwidagaduramo we n’abe’ ahubwo ni ‘uwabushyize ku murimo wa rubanda’. Uwo niwe wibukirwa ku mucanga w’ibihe n’amateka nk’umuherwe ariko ‘wabaye ingirakamaro ku mibereho ya mwene muntu’

Twifashishije inyurabwenge zagiye zitangwa n’umwe mu baherwe batunze amafaranga menshi ku isi Andrew Carnergie. Ayo yatunze, ubu umuntu wa mbere ukize kurusha abandi mu isi nta na kimwe cya kabiri cy’aye aragezaho ! bikavuga ko ayo waba ufite yose, bitakubuza kumva ibye n’ubwo waba waragize idini ryawe amafaranga ari narwo rurimi rwonyine wumva.

Turashingira kandi iki kiganiro ku bitekerezo by’umushakashatsi Garcia Malik uzwi cyane mu mbwirwaruhame zafashije benshi guhindura imitekerereze mu myitwarira n’ibijyanye n’ubukire no gutunga amafaranga abisobanura abijyanishije n’amafaranga ubwayo.

Andrew Carnergie ati: “umuntu wese uzapfa agitunze amafaranga menshi, yitwa umukire uyarusha abandi, uwo azaba apfuye urupfu rubi. Azaba yarabayeho mu isoni n’umugayo.”

Umushakashatsi Garcia Malik nawe ati: “ubuzima kuva uvutse kugera ushizemo umwuka, ni ishuri. Ishuri rya rindi igihe cyawe cyahise icyo aba ari umwarimu ukwiye, iki gihe -ubungubu- kikaba isomo rigezweho. Ahazaza ho hakaba ikizamini. Muri iryo shuri, igihe ubwacyo ni ushinzwe ikinyabupfura (animateur / discipline master) ugukurikiranira hafi areba n’icyo ugomba kuba ukora niba ugikora koko uko bikwiye n’igihe nyacyo. Naho nyuma ya buri somo, ishuri ry’ubuzima rikagira ikizamini hafi cya buri munsi. Ikizamini ushobora no kwakira impamyabumenyi yawe y’ako kanya bitanasabye gutegereza imyaka. Buri munsi mu ishuri ry’ubuzima uba wakwakira impamyabumenyi yawe, nta gutegereza! Mu ishuri nk’iryo, gukoresha ubutunzi bikaba isomo rikomeye ry’ubuzima, cyane cyane iyo bigereranijwe n’icyo ibyo utunze byamarira abandi. Umwanya wifuza kugira mu bandi, imibanire yawe na bo, n’icyo ibyo utunze bibamariye. Byaba nta cyo, wareba nabi ukaba uri isoni muri bo, cyangwa byagenda neza ukaba uri uw’ingenzi mu muryango mugari ubarizwamo; byose bihujwe n’umubare w’amafaranga utunze, cyangwa se ubwo butunzi nyine muri rusange."

Inyurabwenge ikisobanura igira iti: “Nudakoresha amafaranga menshi ku nyungu z’abandi, birenze kure abana bawe, umugore cyangwa umugabo wawe na bene wanyu gusa, ngo amafaranga n’ubutunzi bizaba byarakuyobeyeho; uri n’isoni ahubwo ku mucanga w’ibihe no ku nyoko muntu muri rusange ahubwo!”

Andrew Carnergie ibyo we yabishingiye ku ki? Icyo gihe ngo uzaba warabayeho mu myitwarire kimeza nk’uko izindi nyamaswa zose zitari n’abantu nazo zita ku rubyaro rwazo mu buryo karemano gusa. Uko ngo ni ko uzaba warabayeho, nta rumuri na ruke rw’ingufu z’isanzure n’imigendekere ya byinshi by’ubumenyi bwihariye butanigishwa aho ari ho hose bwigeze bukunyura mu bwonko na roho ngo bubashe kurenga amarangamutima kimeza! Ukaba warishutse ko watunze ibintu n’amafaranga, ariko mu by’ukuri wari ukennye bibi cyane kurusha benshi mu bo watunze byinshi kurusha.

Ugahora wibwira uti mpfa kuba narayabonye gusa, ubwo ndakize. Ariko se ngo ko abandi batayabonye, wowe wayabonye warayabonye se maze ugura umwuka wahumetse utari uwo abandi bahumeka? Uramba kurusha nde se? Wariye iki se abandi batariye wayahimbishije ? wararyamye usinzira kurusha nde kuko utunze menshi kumurusha ? waratuje kandi wishimira ubuzima birenze ibya nde ? byari birenze se abo wayarushaga ? reka da ! imodoka nziza ihenze ? yego. Abandi ntabwo bateze za bisi bakagera iyo bajya, rimwe bakanagutangayo! Uwavunitse amagufa se kuko yateze moto uzi ninde adakoze impanuka nk’uko nawe wayikora mu modoka yawe ? ngo byashoboka cyane ko uramutse utarebye ibitekerezo bigari n’imishinga yihariye irenze gusa ubutunzi n’ibikoresho warinda ushiramo umwuka wibwira ko wari umukire w’agatangaza, n’abantu bakubona bakabona uri igitangaza koko, ariko byose nta gaciro kadasanzwe byari bifita, haba kuri wowe ahubwo no ku bandi. Ngo nta na rimwe amafaranga azakemura byinshi mu bibazo nyabyo uzahura nabyo nk’umuntu mu buzima.

Amafaranga buriya ngo ni meza cyane. Akora ibintu byinshi udashobora kugeraho na rimwe utayafite. Akora byinshi muzi, tutanagarukaho cyane. Ariko nayo buriya ni kimwe n’uko hari aho utagera n’amaguru udateze ikinyabiziga. Amafaranga nayo ni igikoresho nk’imodoka n’ibindi : kuyafata mu ntoki, uyafite mu mufuko wayapakiye ukuzuza cyangwa ukayahunika mu rugo mu mitiba cyangwa se mu mitamenwa no kuri za konti muri za banki ; n’iyo washaka yewe andi ukaba warayarunze kuri konti z’ibanga mu birwa bya kure nk’uko abaherwe b’abajura batabura kubigenza byose birangira bibaye kimwe.

Ibyo wagura byose n’amafaranga ni ibikoresho nyine ntabwo ari ubuzima, byinshi n’ubundi biramaranirwa haba kuyafita cyangwa se utayafite. Ariko turebye umuntu ku giti cye nk’umuntu, ntituzane ngo ibyo azaraga abana, cyane ko wasanga nawe ibyo utunze nta na kimwe ababyeyi bakuraze cyangwa ngo ibyo wabasha guha bene wanyu, ndetse n’ibindi, kenshi ibitari bike muri ibyo ni n’iby’agaciro kadasanzwe. Ariko icyo bimazwa nicyo ahubwo cyakabaye ari icy’agaciro kurusha ayo mafaranga.