UBUSHAKASHATSI: Inzira 2 zonyine zirahagije kugira ngo ushobore kwizigama kuri macye winjiza

Ubushakashatsi bw'abanyamerika bo mu kigo gikora ubushakashatsi ku bukungu (Chazen Institute at Columbia Business School) bugaragaza ko kwizigama ku bantu binjiza intica ntikize (amafaranga macye cyane) bigoye. Urebye hano mu Rwanda iyo uganiriye n'abatari bacye bakubwira iyi mpamvu yiyongeraho ku kutagira akazi ndetse no kugira inshingano zidakemurwa n'amafaranga umuntu aba abona zose zihuriza ku gutuma umuntu atabasha kwizigama.

Nyuma yo gukora inyigo hirya no hino ku isi, abashakashatsi b'abanyamerika mu kigo gikora ubushakashatsi ku bukungu (Chazen Institute at Columbia Business School) bavuga ko intamwe 2 arizo ukeneye gutera gusa ukaba wakuraho izi nzitizi.

1.Ifashishe itsinda (Gana ikimina)

Mu Rwanda abantu benshi bamaze kumenyera ko amatsinda hirya no hino mu gihugu abantu bihuza bakajya bagurizanya mu gihe runaka afasha benshi. Aya matsinda azwi nk'ibimina, ibibina cyangwa sosiyete bitewe na buri gace, abayibumbiyemo batanga umubare w'amafaranga runaka mu gihe runaka, agahabwa umuntu umwe muri iryo tsinda ku gihr bumvikanye. 

Hari n'abahitamo kujya babika umubare w'amafaranga runaka bakaba bafunguza konti bakayabitsa, bagakomeza gutanga wa mubare w'amafaranga ,bagatangira no ku gihe bihaye, amafaranga akajya yiyongera. Aba bahanga mu bukungu bajya inama ko ushaka kwizigama wese yajya yifashisha bene aya matsinda ariko agatoranya ayo abona ajyanye n'ubushobozi bwe kandi banahuje umugambi n'intego kuko byagufasha kwzigama ukaba wabona ya mafaranga mu gihe wizigamye mu gihe cya runaka.

2.Ishyirireho inyibutsagihe

Indi nzira aba bahanga mu bukungu baha abatabasha kwizigama kubera ubukene ni ukwiha gahunda yo kwiyibutsa kubika amafaranga macye cyane ashoboka kuri wowe ku gihe gihoraho kidahinduka. Urugero ukaba wabika nk'igiceri cya 100 wenda buri cyumweru cyangwa buri munsi bitewe n'uko wabonye amafaranga, ariko ukagerageza kubyandika ahantu hashobora kuzajya habikwibutsa buri munsi ko ugomba kwizigama nko mu ikayi cyangwa muri telefoni ngendanwa.

Aba bashakashatsi bo mu kigo cya Chazen Institute at Columbia Business School muri Leta Zunze Ubumwe za Amerika bagaragaza ko bamwe mubo bagiriye izi nama bakazigerageza zombi bashoboye kwizigama mu gihe runaka kandi batarabishoboraga kubera amikoro macye. Nawe bigerageze urebe.

Src: CNBC