inote za bitanu ziri mumabandari

U Rwanda ni igihugu kiri kugaragaza umuvuduko uri hejuru mu bijyanye n’ubukungu nishoramari mu nzego zitandukanye, twavuga za bank,real estate,isoko ry’imigabane, inganda n’ibindi nkuko raporo z’imiryango mpuzamahanga zidasiba kubitangaza.

Mu bihugu biri mu inzira y’iterambere, kenshi humvikana ijambo abashoramari,cyangwa gushora imari,nubwo ibyo byose binyura mu matwi y’abantu ni nako umubare munini usigarana ibibazo byinshi utabonera aho ubariza kuburyo buzwi. Ariko turi mu iterambere ibintu biri kugenda bikemuka ubusobanuro butandukanye buri kugenda buboneka ndetse n’amakuru agenda amenyekana.

Muri iki gihe biragoye kumva umuntu utazi google! Birashoboka ko hari abatarayumva ,byose bigendana naho igihugu cyangwa agace kageze mu ikoranabuhanga n’itumanaho. Ubu umuntu ntakibaza mugenzi we abaza google!

Abanditsi mu ngeri zitandukanye bari gushishikarira kwandika. Akaba ari intambwe ishimishije. Ibi birifasha kongera ubwinshi bw’amakuru no guhaza ibyifuzo bw’abagana imbuga zitanga amakuru(searching engins/moteurs de recherche) no kworoshya ubuzima muri rusange.

Hari abibaza ngo” Ese nihehe nashora imari yanjye?” Niba uri muri abo iyi post ni iyawe. Uyisangije n’inshuti zawe byaba ari akarusho.

Rero nta rwitwazo na rumwe umuntu udashora imari afite ngo yabuze amakuru!! Kuva k’ufite amikoro menshi ndetse na wawundi ufite ayo twakwita make ariko ugereranije nuyafite kuko ntamuntu utagira amikoro! Mwese iyi ” post” irasubiza ikibazo cyanyu.

Mbere yuko turebera hamwe aho gushora reka tubanze twumve kimwe amwe mu magambo agendana n’ibibazo benshi bibaza.

Ishoramari ni iki?

Ni igikorwa cyose gikozwe uhereye uyu munsi ariko kigamije inyungu mu minsi iri imbere. Ishoramari risaba kureka umutungo wakoreshaga uyu munsi kugirango uwuzigame maze uzabashe kwiyongera kurushaho mu gihe kiri imbere.

Ese ni ngombwa gushora imari?

Yego, gushora imari ni ngombwa kandi ni ingenzi kuri buri wese wifuza ibi bikurikira;

  • ni inzira yo kugera ku bukire
  • bituma umuntu agera ku nzozi ze
  • amafaranga umuntu ashoye arakoreshwa kandi akazana inyungu
  • ni urufunguzo rwo kwiteganyiriza ejo hazaza
  • bituma umuntu abaho neza mu gihe cy’izabukuru
  • igikorwa gifasha kuzamura imibereho y’umuntu

Umushoramari ni nde kandi ni ibiki bimuranga?

Ni umuntu wese uhitamo gushyira amafaranga cyangwa umutungo we ku ruhande muri gahunda yo gushora imari agamije nyungu mu gihe kiri imbere. Uwo muntu aba yujuje ibi kiburikira;

  • afite intego, impamvu yo gushora imari ye
  • igihe runaka yumva ishoramari rye ryamara
  • inyungu yifuza kubona
  • umubare w’amafaranga yifuza gushora

Ni ryari umuntu ashora imari?

Iki ni ikibazo abantu bakunze kwibaza. Ariko muby’ukuri gushora imari ntagihe runaka bigira ariko icyiza n’ugutangira “UYU MWANYA/NONAHA” 

Kubera ko byagaragaye iyo umuntu ahereye kare aribwo inyungu ziba nyinshi.

Amahirwe 5 yo gushoramo imari

1. Kubaka amacumbi/Real estate

Muri gahunda ya Leta y’u Rwanda yo gukora imijyi itandatu yunganira Kigali, ni ahantu heza ho gushora imari munyubako z’amacumbi aciriritse kuko abazatura bazaba ari abantu baturutse mu tundi duce kandi bakorera amafaranga aringaniye(minimum wage).

Ibi biha amahirwe rwiyemezamirimo wifuza gushora imari mu macumbi mu gihugu cyose.

Iyo mijyi niyi ikurikira: Muhanga,Huye,Rusizi na Rubavu,Nyagatare, Musanze.

2. BNR Treasury Bonds/Inyandiko mvunjwamafaranga za Leta, 

Ubundi treasury bonds ni impapuro nyemezamwenda zishyirwa ku isoko na bank nkuru y’igihugu ihagarariye Leta,abashoramari batandukanye bakaba bashoramo amafaranga yabo bakabona inyugu buri mezi atandatu kugeza izo mpapuro zirangije igihe zagenewe. Zibikwa kuburyo bw’ikoranabuhanga muri BNR(electronically).

Uwifuza kuzishoramo asabwa kuba afite cyangwa se gufungura konti zizabikwaho(Central Depository System account) aciye kuri bank ye cyangwa se kubahuza babigenewe bari ku isoko ry’imari n’imigabane(brockers) bamufasha kuzuza ibisabwa.

Igihe zimara: imaka 2,3,5,7.

Kubera iki treasury bonds?

  • ni uburyo bwiza bwo kwizigamira no guteganyiriza ejo hazaza nk’amashuli y’abana,izabukuru n’ibindi.
  • ni ishoramari ryizewe(risk free investment) kuko uryitabiriye aba yizeye gusubizwa amafarnga iyo igihe cyagenewe izo mpapuro nyemezamwenda/mvunjwafaranga kirangiye.
  • ikindi kiza kuri ubu buryo ni uko umuntu uzifite ashobora kuzitangaho ingwate akabona umwenda muri banki cyangwa se mu bigo by’imari.

Bisaba iki?

Kuba ufite nibura F100.000 kuri konti yawe muri banki ubitsamo kuko nicyo giciro fatizo cy’urupapuro rumwe.

Ushaka amakuru yandi wagana banki ukarana nayo bakaguha ubusobanuro burambuye cyangwa ugasura urubuga rwa Banki nkuru y’igihugu arirwo  https://www.bnr.rw

3. Isoko ry’imari n’imigabane (Capital market) ,

Bikora kimwe n’ Impapuro mvunjwafaranga kuko byose bihurira hamwe kw’isoko,itandukaniro nuko zimwe ari impapuro z’agaciro zitangwa na Leta isaba amafaranga, ibindi n’imigabane ugura muri sosiyete n’ibindi bigo bikora ubucuruzi.

Uko imigabane ihagaze

Sura urubuga rwa Capital Markets Authority

4. Kwakoo market/Onyxcoin

Nkuko tubyumva henshi hatandukanye, zabagiye ziba inzozi z’abayobozi b’ibihugu batandukanye kuzagira umugabane aho abawutuye bagira ubuhahirane n’imigenderanire yisanzuye. Nubwo byavuzwe bikongera bikavugwa ariko ubu biri munzira bijya mu buryo.

Kwakoo market n’isoko ryifuza guhuza abanyafurika bose bagahurira ahantu hamwe kugirango biyubake mu buryo bw’amikoro kandi bifashishije ibyo bakora iwabo.

Muri urwo rugendo rwose hagaragaramo impungenge yuko buri gihugu cy’afurika kigira uburyo bwihariye butandukanye n’ikindi kubyerekeranye no kugura no kugurisha.

Kubera iyo mpamvu Kwakoo market yifashishe uburyo bwa Onyxcoin nk’ifaranga ryakoreshwa mubihugu byose kuri uyu mugabane biryo bikoroshya ubuhahirane n’ubucuruzi muri rusange n’izindi ngeri z’imibereho yabatuye Afurika zitandukanye.

Kwakoo market yashyizeho gahunda yo gushora imari muri iryo soko,wagura umugabane ugahabwa Onyx zibarirwa mu gaciro ka $ bitewe naho isoko ry’igura rigeze. Byumvikane neza uko igishoro cyiyongera niko uhabwa Onyx nyinshi

Aho igura rigeze

21/05/2019  6:44 am

Ubu Onyx 1=$ 0,05, nyuma y’iyi stage igiye gusoza Onyx 1=$0,2

Muri kwakoo market amafaranga yo hasi ugomba kuba ufite kugirango ushore ni 97.000 frw angana na $105.

Ushaka uko washora imari ndetse n’andi makuru ajyanye na Kwakoo market/Onyxcoin kanda hano

5. Supermarketing Global Network

Iyi company y’abahinde benshi bamaze kuyiyoboka kuko ifite akarusho ko gutanga inyungu mu gihe gito ,kandi bikozwe mu buryo bworoshye.  Ikindi bayikundira nuko ifite igishoro gito cyoroheye benshi kandi inyungu ikabarwa kumunsi.

Ubundi company ifata amafaranga njye nawe tuyihaye, hanyuma yo ikayacuruza, mu gihe cy’amezi ane igishora cyawe kiba cyikubye inshuro 3.

Muri supermarketing amafaranga make y’igishoro ni $ 30 bivuzeko mu gihe cy’iminsi 120 uba ufite $90.

Icyo bisaba: 

Ugana umu agent wa Supermarketing akagufunguriza account,aho ukoresha username na password kugirango utangire kuyikoresha.

uko account iba iteye

Andi makuru kuri supermarketing nyura hano

Nujya gushora imari nibyiza kubanza kwiha umwanya ukiyumvira ugashyira mu mibare. Hanyuma ukajya gushaka amakuru agushyigikira mucyo wumva kikubereye.

Iyo utizeye neza aho ugiye gushora imari biba byiza ushizemo make kuburyo uyabuze bitakubera impamvu yo kumva wihebye.

Amahirwe masa.




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