U Rwanda mu bihugu bya Afurika aho amafaranga make ashobora kukugeza ku “byishimo bisendereye”

Ubushakashatsi bushya bugaragaza ko Umunyarwanda agera kuri uru rwego ku mafaranga agera kuri $13,566 ku mwaka, ni ukuvuga hafi $1,131 ku kwezi. Ariko iyi mibare ntivuga ko umuntu winjiza ayo mafaranga ahita yishima, ahubwo igaragaza urwego u Rwanda rugezeho, aho ugereranyije n’ibindi bihugu bitagusaba amafaranga y’umurengera kugira ngo ubashe kubona ibyo ukeneye mu Rwanda.

Raporo nshya ya Remitly yo muri 2026, ishingiye ku bushakashatsi bwa Purdue University ku isano iri hagati y’amafaranga n’imibereho myiza, yashyize u Rwanda ku mwanya wa gatatu muri Afurika mu bihugu bifite amafaranga make akenewe kugira ngo umuntu agere kuri uru rwego rwiswe income satiation.

U Rwanda rukurikira Ethiopia iri ku mwanya wa mbere, aho igipimo cyashyizwe kuri $10,176 ku mwaka, na Nigeria iri ku mwanya wa kabiri aho ari $12,273 ku mwaka. Mauritania iza ku mwanya wa kane n’amadolari $14,732 ku mwaka.

“Ibyishimo bisendereye” bisobanuye iki?

Ijambo “peak happiness” rishobora gutuma umuntu atekereza ko hari amafaranga runaka umuntu agomba kubona kugira ngo abe umuntu wishimye cyane. Ariko si cyo ubushakashatsi busobanuye.

Abashakashatsi bakoresha cyane igitekerezo cya “income satiation”, ni ukuvuga urwego rw’amafaranga aho kwiyongera kwayo biba bitakiri ngombwa cyane, ni ukuvuga kurenza amafaranga runaka bitagira ikintu kinini byongera ku kunyurwa no kubaho neza, income station ishobora gusobanurwa n’uru rugero:

Tekereza umuntu winjiza 100,000 Frw ku kwezi, amafaranga akaba atamuhagije ku biribwa, ubukode, kwambara, n’ubwikorezi. Iyo umushahara we uzamutse ukagera kuri 200,000 Frw, ubuzima bwe bushobora kurushaho kuba bwiza kuko aba ashobora kubona ibyo akeneye by’ibanze.

Aramutse yongeye kuzamurirwa umushahara akagera kuri 500,000 Frw, ashobora kubona izindi serivisi, kuzigama no kugira ubwisanzure bwinshi mu buzima.

Ariko iyo ageze ku rwego rw’amafaranga ahagije, aho abona buri kimwe cyose, agatangira no kwizigama, inyongera y’andi mafaranga ntiba igituma ibyishimo bye byiyongera ku rugero rumwe nk’uko byari bimeze mbere, ahubwo ibintu bisa nk’aho biguma aho byari biri. Icyi nicyo cyiswe Income Station.

Ubushakashatsi bwa Purdue University bwerekana ko amafaranga yiyongera ashobora gutuma imibereho n’uko umuntu abona ubuzima bwe birushaho kuba byiza kugeza ku rwego runaka. Iyo umuntu amaze kugera kuri urwo rwego, kongera amafaranga menshi yinjiza ntibikomeza kuzana inyongera ingana ku byishimo cyangwa ku kunyurwa n’ubuzima.

Ni ukuvuga ko $13,566 atari “igiciro cyo kugura ibyishimo” mu Rwanda, ahubwo ari igipimo cy’amafaranga ubushakashatsi buvuga ko inyongera yayo itangira kugira uruhare ruto ku byishimi n’imibereho myiza.

Imibare ya Remitly igaragaza urutonde rw’ibihugu bya Afurika bifite amafaranga make akenewe kugira ngo bigere kuri uru rwego, icyakora urutonde rwatangajwe ruriho ibihugu 4:

Ushobora kwibaza uti, Kuki imibare y’u Rwanda ishobora kuba itandukanye n’iy’ibihugu bikize? Impamvu ikomeye ni imbaraga amafaranga afite mu gihugu runaka.

Amadolari 1,000 ntashobora kugura ibintu bingana muri Rwanda no muri Leta Zunze Ubumwe za Amerika. Ibiciro by’ibiribwa, ubukode, serivisi n’ibindi bitandukanye cyane.

Ni yo mpamvu Remitly yakoresheje imibare ijyanye n’imbaraga amafaranga mu kugura ibintu (purchasing power) ndetse inakosora imibare hashingiwe ku ihindagurika ry’ibiciro.

Urugero, muri Leta Zunze Ubumwe za Amerika, igipimo cyashyizwe kuri $134,827 ku mwaka, mu gihe Canada iri kuri $113,755, naho China ikaba kuri $71,201. Ibi bigaragaza itandukaniro rinini riri hagati y’agaciro amafaranga afite mu bukungu butandukanye.

Hari indi ngingo y’ingenzi: impuzandengo y’igihugu ishobora guhisha itandukaniro rinini hagati y’abantu n’uturere. Umuntu uba mu mujyi ashobora guhura n’ikibazo cy’ubukode, amashuri, ibiribwa n’izindi serivisi bihenze kurusha umuntu uba mu kandi gace.

Business Insider Africa ivuga ko ibiciro byo mu mijyi bishobora kuba biri hejuru cyane y’impuzandengo y’igihugu, bityo amafaranga akenewe kugira ngo umuntu agere ku rwego rw’imibereho yifuza ashobora gutandukana bitewe n’aho atuye.

Ibi ni ingenzi cyane no mu Rwanda, aho ubuzima bwo mu mujyi wa Kigali bushobora kugira ibiciro bitandukanye n’ibyo mu tundi turere. Nubwo ubushakashatsi bwibanda ku mafaranga, imibereho myiza y’umuntu ntishingira ku mafaranga gusa.

Ubuzima, umutekano, umuryango, inshuti, akazi, ubwisanzure, serivisi z’ibanze, imibanire n’abandi ndetse n’uko umuntu ashyira ubuzima bwe mu gaciro byose bishobora kugira uruhare mu kunyurwa n’ubuzima.

Ni yo mpamvu umuntu ufite amafaranga menshi atari ngombwa ko aba afite ibyishimo byinshi kurusha ufite make.

Amafaranga ashobora gufasha umuntu kubona ibikenewe no kugabanya ibibazo by’ubukene, ariko nyuma y’urwego runaka inyongera y’amafaranga ishobora kutongera ibyishimo ku rugero rumwe.