Sobanukirwa n'akaga gaterwa n'ubwizigame budahagije mu bucuruzi

Ni ngombwa kwizigamira amafaranga afatika, ndetse ubwizigame bubaye burenze bumwe bifasha ibikorwa byawe mu guhangana n’ibibazo bije biremereye bisaba amafaranga menshi.

N’ubwo kwizigamira ari inkingi ishyigikira ubucuruzi, biba byiza ubwizigame bubaye bwinshi kuburyo bumwe bwafasha ibikorwa bya bizinesi, ubundi bugahangana n’ibibazo bwite bishobora guhungabanya imikorere y’ubucuruzi bityo ntukore neza nk’uko byakagombye.

The citizens Bank yo ivuga ko Kwizigamira birinda umucuruzi guhora mu madeni igihe akeneye amafaranga, ndetse ubucuruzi bwe bushinganye bigoye ko bwajegajega bitewe n’uko buba buteganirijwe.

Abanyamerika benshi baharanira kuzigama amafaranga menshi afatika, kugira ngo bace ukubiri n’amadeni cyangwa bazigamire amasaziro yabo, bityo ntibazagorwe n’ubuzima igihe batagishoboye gukora.

Benshi bafunguza konti zitandukanye kugira ngo bashobore kubika amafaranga afatika, bazifashisha  mu bihe by’amakuba cyangwa igihe bazaba bifuza guhaza ukwifuza kwabo.

Zimwe mu ngaruka ziterwa no kutazigama amafaranga ahagije, nk’uko bitangazwa n’Ikinyamakuru The Financial Geek:

1. Kujya mu mwenda

Kubera ko umwenda akenshi wishyurwa  amafaranga arenze ayo wagurijwe, bikorohera iyo wizigamiye amafaranga ahagije ukirinda gufata umwenda wa banki, kuko n’iyo utinze kwishyura bateza ibyawe.

Biragora kugurizwa na banki n’ubwo rimwe na rimwe bifasha, kuko akenshi usanga ubucuruzi bwawe bugizwe ingwate ishobora gufatirwa cyangwa imwe mu mitungo yawe igatezwa cyamunara, igihe kwishyura byakunaniye.

2. Ubuzima budatekanye

Igihe cyose uzi ko utigeze wizigamira ntabwo utuza, kuko uhora utekereza uko byagenda utunguwe n’ibibazo kandi nta bwizigame ufite. Kudatuza nabyo bigutera guhuzagurika, maze ubucuruzi bwawe ntibukorwe neza.

3. Kwiheza mu birori bihuza abandi

Kuba mu bucuruzi butagira amafaranga afatika bitera ipfunwe, kuko abakubona baba babona ukora ariko batazi ibibazo ufite. Iyo utekereje gusabana n’abandi wibuka ko udafite amafaranga ahagije mu bucuruzi bwawe, bityo ukiheza ndetse n’abandi bakuzengurutse bakagutekereza nabi.

4. Kwaguka mu gishoro

Benshi bazigama amafaranga ngo azajye yongera igishoro, ndetse yagure ibikorwa byabo. Mu gihe utizigamiye, uba ufite ikibazo ko ubucuruzi bwawe butava aho buri, ndetse kongera igishoro bivuye mu nyungu yinjizwa bigoye, rimwe na rimwe ugasanga urandavuye cyangwa utangiye guteza imwe mu mitungo ngo wagure ubucuruzi.

Iyo utazigamye amafaranga ahagije ubaho mu buzima butishimye, kuko uba uzengurutswe n'ibibazo, n'ibigutunguye ntubikemura

Kuzigama bitanga umutuzo mu bucuruzi, ndetse ugashobora guhangana n'ibiza

Ugira ikimwaro kujya mu bandi kuko nta mutekano w'amafaranga uba ufite

Benshi mu miryango bagira ubwizigame budafite aho buhuriye n'ibibazo by'ubucuruzi, kandi birafasha 

Ni ngombwa kuzigama mu buryo butandukanye, kandi amafaranga y'ubucuruzi ntavangwe n'andi

Igihe wizigamiye irinde kubikuza cyangwa gukoresha ayo mafaranga, mbere y'igihe wateganirije kuyakoresha