Mu cyumweru cyo gushishikariza Abanyarwanda kwizigamira, Saving Week 2026, hatanzwe inama eshanu zafasha abantu kubaka umuco wo kwizigamira, hatitawe ku bwinshi bw’amafaranga binjiza. Ubutumwa bw’uyu mwaka bushimangira ko intambwe nto umuntu atera ariko agakomeza zishobora kumufasha kugera ku ntego ze z’imari.
Izi nama zikubiyemo kubanza kwizigama ukimara kubona amafaranga, gutandukanya ayo kuzigama n’ayo gukoresha, gutangira ku mafaranga make, gushora imari no kwibumbira mu matsinda yo kwizigama.
Ubushakashatsi bwa FinScope 2024 bugaragaza ko 85% by’Abanyarwanda bakuze bazigama binyuze mu buryo butandukanye. Ibi bigaragaza ko kwizigamira bimaze kugira umwanya mu mibereho y’Abanyarwanda, nubwo hakiri imbogamizi zirimo ubushobozi buke bwo kubona amafaranga asaguka ku yo bakoresha buri munsi.
Dore uburyo butanu umuntu ashobora gukoresha kugira ngo atangire kwizigamira.
1. Banza uzigame ukimara kubona amafaranga
Aho gutegereza ko ibyo ukeneye byose bimara kwishyurwa ngo urebe niba hari amafaranga asigaye, ni byiza kubanza kugena ayo uzigama ukimara guhembwa cyangwa kubona andi mafaranga.
Ushobora kugena igice cy’amafaranga winjiza ukurikije ubushobozi bwawe, ukakibika mbere yo gutangira gukoresha ayasigaye. Ibi bigufasha kugira gahunda ihamye yo kwizigamira aho kubikora ari uko hari amafaranga asagutse.
2. Tandukanya amafaranga yo kuzigama n’ayo gukoresha
Kugira ngo wirinde gukoresha amafaranga wari wagennye kuzigama, ni byiza kuyashyira ahantu hatandukanye n’ayo ukoresha buri munsi.
Ushobora gukoresha konti yo muri banki, SACCO cyangwa ubundi buryo bwizewe bwo kubika amafaranga. Ibi bituma ushobora gukurikirana ayo umaze kwizigamira kandi bikagabanya amahirwe yo kuyakoresha utabiteganyije.
3. Tangira ku mafaranga make ariko ukomeze
Kuzigama ntibisaba kuba ufite amafaranga menshi. N’ayo umuntu abona make ashobora kuyatangiriraho, igihe ayazigama buri gihe.
Urugero, umuntu uzigama amafaranga 500 buri munsi, mu minsi 30 aba amaze kugira amafaranga 15.000, naho mu mwaka akazigama 180.000 Frw, atabariyemo inyungu ashobora kubona.
Icy’ingenzi si amafaranga umuntu atangiriraho, ahubwo ni ukugira gahunda yo kuzigama no kuyikurikiza.
4. Shora imari kugira ngo amafaranga yawe abyare umusaruro
Kuzigama no gushora imari bifitanye isano, ariko si kimwe. Kuzigama ni ukubika amafaranga kugira ngo azakoreshwe mu gihe kizaza, mu gihe gushora imari ari ukuyashyira mu bikorwa bishobora gutanga inyungu.
Umuntu ashobora gushora imari mu bucuruzi, mu bicuruzwa by’isoko ry’imari n’imigabane cyangwa mu bindi bikorwa byemewe.
Icyakora, mbere yo gushora imari, ni ngombwa kubanza gusobanukirwa n’uburyo ikora, inyungu zishobora kubonekamo n’ingaruka zishobora kuyiherekeza. Ni byiza kandi kudashora amafaranga yose umuntu akeneye mu buzima bwa buri munsi.
5. Jya mu matsinda yo kwizigama
Amatsinda yo kwizigama azwi nka Tontines, Ibimina cyangwa VSLA afasha abantu gushyira hamwe amafaranga, bakizigamira kandi bagafashanya kugera ku ntego zabo.
Abayagize bumvikana ku mafaranga buri wese azajya atanga, igihe azajya atangirwa n’uburyo azakoreshwa. Ubu buryo bushobora gufasha cyane abantu badafite ubushobozi bwo kwizigamira amafaranga menshi bonyine.
Icyakora, ni ngombwa ko amatsinda agira amategeko yumvikanyweho, imicungire y’amafaranga isobanutse n’uburyo bwo gukurikirana ibikorwa byayo kugira ngo hirindwe amakimbirane.
Kuzigama ntibisaba gutegereza ko uba umukire
Kuzigama ni bumwe mu buryo bwo kwiteganyiriza ejo hazaza, kuko bishobora gufasha umuntu guhangana n’ibibazo by’amafaranga bitunguranye, kwishyura ibyo akeneye no kugera ku ntego zirimo kwiga, kubaka inzu cyangwa kwagura ibikorwa by’ubucuruzi.
Mu Rwanda, Leta yashyize imbere kongera umuco wo kwizigamira no gushora imari nk’imwe mu nkingi z’iterambere ry’ubukungu. Mu cyumweru cyo kwizigamira cya 2025, Minisiteri y’Imari n’Igenamigambi yari yatangaje ko u Rwanda rwihaye intego yo kuzamura igipimo cy’amafaranga azigamwa imbere mu gihugu kikagera kuri 25,9% by’umusaruro mbumbe w’igihugu (GDP) mu 2029.
Ibi bigaragaza ko kwizigamira bidafitiye akamaro umuntu ku giti cye gusa, ahubwo ko binagira uruhare mu kongera amafaranga ashobora gushorwa mu bikorwa biteza imbere ubukungu bw’igihugu.
Ubutumwa bwa Saving Week 2026 bwibutsa Abanyarwanda ko badakwiye gutegereza igihe bazaba bafite amafaranga menshi kugira ngo batangire kwizigamira, ahubwo ko bashobora gutangirira ku bushobozi bafite, bagakomeza buhoro buhoro.
Wowe se muri ubu buryo butanu bwo kwizigamira, ni ubuhe ugiye gutangira gushyira mu bikorwa?
