Amafaranga si icyo ari cyo ahubwo ni icyo akora

Abenshi tuzi amafaranga nk’ibiceri cyangwa inoti dukoresha duhaha, ariko mu bukungu AMAFARANGA ni ikintu icyo ari cyo cyose cyemeranywa n’abantu nk’ingurane rusange y’ibicuruzwa ku isoko ngo kibe igipimo cy’ibicuruzwa kungano runaka (Frw/1kg,L,m) kandi gishobora kuramba kugira ngo kibashe kubika agaciro k'ibyo cyagurishijwe mbere bityo ushobore kongera kuyakoresha igihe hari icyo wifuza kugura gihwanyije agaciro n'ayo mafaranga. Ubundi mu kuvumburwa kw'amafaranga hari hagamijwe gukemura ibyifuzo by’abantu mu buhahirane bwabo bwa buri munsi.

Tekereza uri mu butayu cyangwa ku kirwa wenyine ufite igikapu cyuzuye amafaranga ariko nta wundi muntu, nta byo kurya nta n’imyambaro. Ushobora kurakara kuko amafaranga yawe ntacyo yaba akumariye mu bibazo ufite muri ako kanya. Impamvu igaragaza ko umumaro w’amafaranga uri mu cyo akora cyangwa se afasha gukemura aho kuba mu cyo ari cyo nk’icyuma acuzemo.

Uramutse ubwiye umuntu ngo akore urutonde rugaragaza impamvu akenera amafaranga uti: kuki wifuza gutunga amafaranfa? Kuki se witwaza amafaranga mu mufuka, mu ikofi cyangwa mu isakoshi? Ashobora kugusubiza ko ashaka kugura ibyo kurya, kwishyura amadeni, kwishyura imisoro, gutanga impano runaka n’ibindi byinshi.

Birasa n'aho ibyo byifuzo bibaye bitabaho amafaranga yaba nta mumaro. Mu yandi magambo amafaranga ubwayo nta mumaro ahubwo agira umumaro gusa kuko hará icyo adufashije gukemura. Inoti n’ibiceri dukoresha uyu munsi biba byanditseho agaciro kabyo mu mibare, ariko aka gaciro kandikwaho ntabwo ari ko gaciro kabyo konyine, ahubwo amafaranga agira agaciro kitwa “NOMINAL VALUE” n’agaciro kitwa “REAL VALUE”.

NOMINAL VALUE ni agaciro k’ifaranga mu isura y’umubare wandikwa ku note cyangwa igiceri, naho REAL VALUE kakaba agaciro k’ifaranga mu bushobozi rifite mu guhaha ingano y’ibicuruzwa runaka ku isoko.

Urugero idorari rimwe ($1) ryagura ikiro (1kg) cy’isukari mu gihe ifaranga rimwe ry’amanyarwanda (1frw) ridashobora kugura na bombo imwe yuzuye. Yombi afite 'Nominal value' ya 1 naho Real value ikaba ikiro cy’isukari ku madorali na bombo imwe kw'iifaranga ry’amanyarwanda (1frw).

Mu bihe bitandukanye, ibintu byinshi byakoreshwaga nk’amafaranga tuzi uyu munsi mu bice bitandukanye by’isi. Urugero ni nk’umunyu, itabi, amenyo y’inzovu, indorerwamo, amacumu n’ibindi byakoreshwaga, cyane muri Afurika y’uburasirazuba.

Byagorana gusobanura amafaranga ushingiye ku isura yayo cyangwa icyo akozwemo kuko ubwayo akoze bitandukanye, ahubwo ubusobanuro bw’amafaranga bushingira ku mumaro wayo aho kuba ku isura. Impamvu ihagije ngo isobanure imvugo igira iti: “AMAFARANGA SI ICYO ARI CYO ahubwo NI ICYO AKORA”.

Umwanditsi: Musada Prince-InyaRwanda.com