Yanditswe na: Ubukungu
Ku ya: 4 / 10 / 2016 | Amakuru ya rwiyemezamirimo |

Ubushomeri bukomeje kuba ikibazo gikomeye ndetse kinafatwa nk’intambamyi ku mizero y’ahazaza. Nyamara hari inzira ushobora kunyuramo ugasezera k’ ubushomeri dore ko na Leta y’u Rwanda yahagurukiye kuhangana n’iki kibazo.

Muri iyi minsi isi yose ihanganye n’ikibazo cy’umubare munini w’abashomeri cyane cyane urubyiruko. Ibi bituma benshi muri aba biheba rimwe na rimwe bakaba banakwishora mu bikorwa bibatesha agaciro cyangwa bitemewe n’amategeko nko kwicuruza, ubujura cyangwa kwishora mu biyobyabwenge.UBUKUNGU twabateguriye inzira ushobora kunyuramo bikakurinda kuba umucakara w’ubushomeri.

1. Hitamo icyo ushaka gukora kandi gishoboka

Mbere na mbere, kugira ngo wihangire umurimo ugomba kubanza gutekereza ku cyo ugiye gukora.Mu guhitamo icyo ugiye gukora ugomba kubanza gukora urutonde rw’ibyo uzi gukora, ubumenyi ubifitemo cyangwa ubunararibonye. Iyo umaze gukora urutonde rw’ibyo ushoboye uhitamo icyo ubona ukunze, ufitemo ubumenyi buhagije, kijyanye n’igihe, abo uzagiha ndetse n’aho uzagikorera. Iyo umaze guhitamo icyo uzakora rero ukurikizaho kwiga neza ndetse no gusuzuma aho uzagikorera hajyanye n’uko umushinga wawe umeze. Birumvikana ntabwo uzakorera umushinga w’ubworozi bw’amatungo ahantu bizajya bikugora kubona ibiryo by’amatungo nk’ubwatsi, amazi n’ibindi.Ntabwo uzakora uruganda rwo gusya imyaka ahantu hatari umuriro.

2. Gisha inama ukore n’ ubushakashatsi k’ umushinga wahisemo

Nyuma yo guhitamo icyo uzakora rero, uyu aba ari umwanya mwiza wo kwifashisha abandi bagutanze gukora bimwe n’ibyo uteganya gukora. Hano ushobora gusura umuntu uzi watejwe imbere n’ibyo uteganya gukora cyangwa bijya gusa nabyo. Ariko kandi ushobora kuyoboka ibigo bitanga amahugurwa ku myuga runaka nk’ubwubatsi, ubudozi, ubutetsi, ububaji n’ ibindi.

Biranakwiye kandi ko ugomba gufata amahugurwa ku bijyanye n’imicungire y’umushinga wawe. Ibi uzabifashwamo n’ibigo bitandukanye bitanga inama bikanafasha abantu gucunga neza imishinga yabo harimo nk’ikigega cy’ingwate BDF (Business Development Fund). Kwihugura mu byo ugiye gukora ni ingenzi cyane kuko ntiwavamo umuhinzi mworozi mwiza igihe utazi uburyo bwo gutera cyangwa gufumbira imyaka bya kijyambere.

3. Suzuma aho uzakorera umushinga wawe

Itegereze akarere cyangwa agace ugiye gukoreramo umushinga wawe, ugerageze kuziba icyuho cy’ibyo ubona bidahari kandi bikenewe, ugerageze kandi gukosora n’ibitagenda neza. Ibi biragusaba gushirika ubute witegereze neza nibiba ngombwa ubaze n’abagenerwa bikorwa wumve icyo batekereza. Ibi bizagufasha kumenya impamvu n’icyo uje gukora. Uzarebere kandi ku yindi mishinga uzaba uhasanze ibyiza ubikomereho ndetse unarusheho naho ibitagenda neza nawe uzaze nk’igisubizo kibereye abagenerwabikorwa.

4. Ishakemo ubushobozi

Ukimara kwiga akarere cyangwa agace uzakoreramo, ugomba gutangira kwishakamo ubushobozi. Amamiliyoni n’amamiliyoni y’imishinga apfira kuri iyi ngingo. Mu bantu 10 baganiriye n’UBUKUNGU, 8 batubwiye ko babangamirwa cyane no kubona igishoro (capital) ko kandi ari nayo mpamvu nyamukuru badashobora kwihangira imirimo. Abenshi bumva ko kugira ngo umuntu ahange ari uko aba afite igishoro (capital) gihambaye. Ariko buriya guhera kuri duke umuntu afite ntako bisa kuko bituma uhora wumva wava kuri utwo duke ugaharanira gutera imbere.

Kayitare Jean Baptiste ni umwe mu rubyiruko twaganiriye na we yagize ati “mbababazwa cyane no kubura igishoro kandi mfite imishinga myinshi kandi myiza”. Yakomeje atubwira ko ikibazo kimuremereye ari ingwate: “nagiye mu mabanki atandukanye njyanyeyo umushinga wanjye ngira ngo ndebe ko bampa inguzanyo ariko nta kindi banyakirizaga uretse kumbaza niba mfite ingwate,bansabye gusubiramo umushinga wanjye mbonye byanze ndaparika."

Birashoboka cyane ko ushobora kuba waraparitse kubera ingwate gusa wagakwiye no kujya umenya amakuru. Erega ushaka inka aryama nkayo. Dore nk’ubu Guverinoma y’u Rwanda ifatanyije na Banki itsura amajyambere (BRD) bashyizeho ikigega cy’ingwate BDF(Business Development Fund) kigamije gufasha abagore n’urubyiruko kwiteza imbere binyuze mu kubafasha kubona ingwate ku nguzanyo baka mu mabanki,hanyuma bakabishingira kugera kuri 75%. Uretse ibigo by’imari kandi ababyeyi, abavandimwe, inshuti nabo bashobora kugufasha kubona igishoro n’ubwo utagakwiye kubyitwaza cyane.

Urashaka kumva andi makuru y’ ubukungu ndetse n’ inama zagufasha kwiteza imbere? Andika ijambo ’ubukungu’ muri message wohereze kuri 2656

Nestor Irabaruta

By:Adelpjine | Sep 23 2017

Andika igitekerezo cyawe hano ...

Ndabasuhuje, mu byukuri nanjye iyi nkuru iramfashije, ariko muduhe amakuru memshi ku bijyanye na BDF, Murakoze.

By:Sibomana Emmy | Aug 11 2017

Andika igitekerezo cyawe hano ...Imisoro nimyinshi harubwo ubaufite amafaranga macye aka yashirira mumisoro murakoze.

By:Afazari Vincent | Jul 03 2017

Inama zanyu ziratwubaka cyane, ariko mujye munadusura n'iwacu mu mirenge dutuyemo. IGITEKEREZO; mutuvuganire natwe abarangije ubuvuzi bw'amatungo (Veterinary) ikiciro A2 baduhe akazi mu tugali dutuyemo kugirango dufashe abaveterineri bimirenge, murakoze kudukorera ubuvugizi. nimero za Tel;0722077615 na 0734736888

By:toto | Oct 31 2016

Iyi nkuru cg inama nzibona ahantu henshi no mu ndimi zitandukanye ariko kuvuga biroroshye, ntabwo izi nama zakumarira kinini. Gukora plan ni ngombwa koko ariko ntacyo byakumarira udafite icyo 7heraho. Ntabwo nca intege ufite ubushake bwo gushakashaka icyo yakora. Igishoro: abandika n'abagira inama abandi bagerageza kwerekana ko atari imbogamizi ariko ni imbogamizi ikomeye cyane mu Rwanda, BDF ivugwa ikora ibyo ishinzwe ariko sinzi ko hari uwo byagize icyo bimarira? Impamvu hano ngaragara nk'indashima (pesmist) ni uko nagerageje nkasanga mu Rwanda hari imbogamizi nyinshi, imisoro myinshi kuri start up stage, inyungu z'umurengera hafi 24%, amategeko menshi (rules&regulementations) byose bidafasha umuntu ugitagira.

By:Mwitende Patrick | Oct 07 2016

murakoze cyane nangiye kugenda nsobanukirwa nuikuntu Umuntu yategora umushinga muduhe n'igice cya 2 dukomeze twihugure.

By:uwingabire marie grace | Oct 20 2015

Andika igitekerezo cyawe hano ...twari twarayobewe aho abandi bahera biteza imbere none dutangiye gusobanukirwa,sawa merci.

By:Deo | Oct 17 2015

Waohh!!!Courage

By:Charles | Oct 17 2015

Ako kantu!!!

By:Claude | Oct 17 2015

Muzegere abantu bakoranye na BDF na bo baduhe ubuhamya.Gusa muranyubatse kdi munandemye agatima.

By:Kayitare john | Oct 16 2015

Murakoze kuduha amasomo nkaya,,,gusa ahanini abenshi tuzira kwiganana..

By:Ferdinand | Oct 15 2015

Yego wangu akenshi business nyinshi zihomba kuko nta plan umuntu aba yakoze ngo yige aho agiye gukorera no kumenya kuyicunga

By:Alias | Oct 15 2015

Noneho nsobanukiwe nibijyanye na BDF rwose pe .nahubundi sinarinsobanukiwe nabyo

By:Alias | Oct 15 2015

Noneho nsobanukiwe nibijyanye na BDF rwose pe .nahubundi sinarinsobanukiwe nabyo

Andika igitekerezo cyawe hano

Agaciro k'ifaranga - rwf

     Uyu munsi Ejo hashize     
Ifaranga Rigurwa Rigurishwa Ifaranga Rigurwa Rigurishwa
£ POUND 1030 1100 £ POUND 1030 1100
€ EURO 890 910 € EURO 890 910
$ USD 817 825 $ USD 817 825
CAD 560 610 CAD 560 610
KES 7.5 8.5 KES 7.5 8.5
TZS 0.25 0.42 TZS 0.30 0.45
RAND 40 50 RAND 30 40
UGX 0.20 0.30 UGX 0.20 0.30
FBu 0.25 0.37 FBu 0.30 0.37
Imigabane Igiciro cyo Hejuru Igiciro cyo Hasi Igiciro Bafungiyeho Ejo Hashize
BK 280 280 280 280
BLR 173 173 173 173
KCB - - 330 330
NMG - - 1200 1200
USL - - 104 104
EQTY - - 334 334
CTL 88 88 88 88