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Before yesterdayubukungu

Ibintu ukwiye gutekereza mbere yo gutangiza umushinga ubyara inyungu

By Ubukungu

Gutangiza umushinga bisaba umwanya uhagije wo kuwutegura neza kugira ngo uzabashe kwaguka. Gutegura neza umushinga bifasha gusobanukirwa inzitizi zishobora gukoma mu nkokora ishyirwamubikorwa ryawo no kuzishakira ibisubizo. Umushinga wateguwe neza ukunguka ntabwo ugirira inyugu nyirawo gusa kuko atanga akazi ku bandi.

Mu gihe ibihugu byinshi byugarijwe n'ikibazo cy'ubushomeri, leta zitandukanye zikangurira abaturage kwihangira imirimo ibyara inyungu aho gutegereza akazi gatangwa na leta. Umushinga ubyara inyungu ntuhangwa mu magambo gusa, ahubwo bisaba umwanya uhagije wo kuwutegura kugira ngo ubashe gutanga umusaruro. Niba ufite umushinga ubyara inyungu ushaka gushyira mu bikorwa, hari ibintu usabwa kubanza kwitaho mbere yo kuwushyira mu bikorwa kugira ngo ubone icyo wawushakagamo.

1. Gutegura imbanzirizamushinga

Imbazirizamushinga ifasha uwutegura gushushanya neza imiterere y'umushinga we ndetse n'ibizakenerwa kugira ngo ushyirwe mu bikorwa uko bikwiye. Ibi bifasha kwegeranya ibikenewe byose ndetse n'igihe bishobora gutwara kugira ngo biboneke. Imbanzirizamushinga iteguwe neza ifasha nyir'umushinga kugerageza kugera kubiyikubiyemo mu gihe nyacyo yagennye.

2. Gushaka amahugurwa n'inama zifitanye isano n'umushinga wawe

Kubona amahugurwa yerekeranye n'umushinga utekereza gushyira mu bikorwa ni ingezi cyane. Bifasha nyir'umushinga kureba niba ibyo yateguye hari aho bihuriye n'ibyo yahuguwemo. Abona umwanya wo gusobanuza no gutanga ibitekerezo by'uko yumva byagenda kugira ngo abone amakuru yose akeneye yerekeranye n'umushinga we.

Mu gihe ugize amahirwe yo kwitabira amahugurwa cyangwa inama zifitanye isano n'ibyo urimo utegura, gerageza kubikurikirana ubushishozi kugira ngo hatagira ikintu cy'ingirakamaro kigucika kandi aho udasobanukiwe ubaze. Bizagufasha gusobanukirwa neza ibyo urimo, icyo bisaba, inzitizi zirimo n'uko wazikemura n'ibindi byagufasha kugera ku ntego wiyemeje.

3. Guhitamo ahantu umushinga uzashyiriwa mu bikorwa

Umushinga usaba gukorerwa ahantu haberanye n'icyo ugamije kugira ngo ubashe kugirira abahatuye akamaro kandi nabo bawuteze imbere. Mu gushaka kureba ahantu haberanye n'umushinga ugiye gushoramo imari, banza wite ku mibereho y'abahatuye, ibyo bakeneye ndetse n'ibikorwaremezo biri muri ako gace.

Urugero: Umushinga wo kubaka uruganda rutonora ikawa, mu gihe utekereza umushinga nk'uyu wirinda kuba warwubaka ahantu badahinga ikawa kugira ngo rutazabura izo rutonora. Ugomba kuwerekeza mu bice byeramo ikawa kandi ubona ko abahatuye babangamiwe no kuba badafite uruganda rutunganya umusaruro beza.

4. Gutekereza ku gishoro

Abantu benshi bumva bafite ibitekerezo byo kwihangira imishinga ariko igishoro kikababera inzitizi. Mbere yo gutangiza umushinga runaka, tekereza aho uzakura amafaranga azagufasha kuwushyira mu bikorwa. Ushobora gutekereza kwitabaza inguzanyo ya banki n'ahazava ingwate, kugurizwa n'inshuti cyangwa abo mufitanye isano ndetse no kuwushakira abaterankunga bitewe n'icyo ushobora kumarira abantu benshi.

5. Gutoranya umushinga ushyigikiwe n'amategeko

Buri hantu hagira umuco n'imiziririzo bitewe n'imiterere yaho ndetse n'abahatuye. Mu gihe utegura umushinga ugomba gusobanukirwa neza icyo amategeko awuvugaho kugira ngo utazisanga wakoze ibitemewe. Niba hari ibihugu byemera ubucuruzi bw'urumogi, ntabwo umutu ashobora gutegura umushinga w'ubucuruzi nk'ubu mu Rwanda ngo ni uko ahandi bikorwa. Kwita ku cyo amategeko n'umuco ugenga abatuye aho ushaka gushyira umushinga biwuvugaho, bizagufasha gusobanukirwa icyo amategeko awuteganyaho n'uko rubanda bazawushyigikira.

6. Kwandikisha izina ry'umushinga

Hagiye humvikana abantu binubira kwibwa imishinga mu gihe bagiye kuyishakira inkunga muri bimwe mu bigo bishinzwe kuyitera inkuga, igahabwa abandi kuko banyirayo batayandikishije. Umuntu ufite umushinga agomba kwirinda kuwereka umuntu wese mbere yo kuwandikisha kugira ngo hatagira uwumwiba akawiyandikishaho mu izina rye. Kwandikisha umushinga mu mategeko biha nyirawo uburenganzi busesuye bwo kuwubyaza umusaruro yitonze ntawe bawutanguranwa kuko arengerwa n'amategeko y'umutungo mu by'ubwenge.

7. Gusobanukirwa ibyerekeye imisoro

Hari abantu bashora imari mu mishinga runaka, bagahomba byihuse bitewe no kutagira amakuru ahagije ku misoro itangwa n'ibikorwa bakora. Kenshi imisoro iba urucantege mu gihe umushinga ugitangira, gusa iyo wabanje kubitekereza ubona umwanya wo kugereranya igishoro n'imisoro bikaguha kureba niba uzabona inyungu. Ni byiza kumenya amakuru ahagije ku misoro y'ibyo ugiye gushoramo imari kugira ngo utazasanga warakoreye imisoro gusa.

8. Gutekereza ibijyanye n'ubwishingizi

Byagiye bigaragara ko impanuka zitungurana zigatwika inyubako n'ibizirimo. Abari barashinganishije ibyabo baragobotswe, abo bitameze bityo bararira barihanagura. Niba ugiye gushora imari mu mushinga ubyara inyugu itwararike ubwishingizi bw'ibyo ugiye gukora. Tuzi ko nta witegura ibyago, ibiza n'ibindi bibi bishobora kurogoya gahunda ziba zarateganyijwe. Ubwishingizi ni ingenzi mu kurengera ibikorwa washoyemo imari kugira ngo bukurengere igihe utunguwe na kirogoya mu bikorwa byawe. N'ubwo udasubirana ibyo wahombye byose ariko ubona aho ubariza bityo ugahabwa impozamarira zigufasha kongera kwisuganya.

9.Gushakira ibyangombwa umushinga wawe

Ubuyobozi bwaho ugiye gukorera bugomba kuba buzi ibyo ugiye gukora n'icyo bigamije kugira ngo uhabwe uruhushya rukwemerera kuhakorera. Ibyangombwa byemera imikorere n'ibikorwa bya bizinesi biyifasha kwaguka no kurengerwa n'ubuyobozi bw'inzego z'ibanze zaho ikorerwa.

10. Gusobanukirwa neza inshingano zawe nka nyir'umushinga

Nyir'umushinga agomba kuba azi neza inshinano ze ndetse n'inshingano z'abakozi kugira ngo bafatanye gutanga umusaruro uhagije. Niba uri guteganya guhanga umushinga, kumenya neza inshingano zawe bizagufasha kwereka urugero rwiza abo ukoresha bityo umusaruro batanga ubashe kwiyongera. Kumenya inshingano bifasha gukorera ibintu ku gihe kandi neza.

Mu gihe uri mu rugendo rwo kwihangira umushinga ubyara inyungu, mbere yo kuwushyira mu bikorwa ugomba kubanza kureba niba ibivuzwe hejuru ubyubahirije. Ibi bizagufasha gukora ibyo ugomba gukora ku gihe kandi neza bityo umushinga wawe ubashe kubyazwa umusaruro ukwiye.

Bijyanishijwe n'ibyo za leta z'ibihugu zisaba abaturage babyo ko badakwiye gutegereza akazi ka leta kuko ari gake, ahubwo ko bakwiye kwihangira imirimo ibyara inyugu, mbere yo gushyigikira ibyo leta isaba ugomba gutegura neza ibisabwa b'ingezi bizafasha umushinga wawe kunguka no kwaguka.

Ubukungu bw' Ubushinwa bwazamutse cyane kuruta uko byari byitezwe

By Ubukungu

Ubukungu bw' Ubushinwa bwazamutse ku kigero cyitari gitegerejwe mu gihembwe cya gatatu cy' uyu mwaka. Ibi ni ibyatangajwe na bwana Li Keqiang i Macau kuri uyu wa kabiri.

Uyu muyobozi yavuze ko igihugu cye cyazamuye ubukungu cyane kandi kinabona impinduka nziza. Ibi bigatanga icyizere ko intege y' izamuka ry' ubukungu bihaye uyu mwaka bazabasha kuyigeraho.

Kuva mu kwezi kwa mbere uyu mwaka, imirimo isaga miliyoni 10 mishya yabashije kujya ku isoko. Abadafite akazi nabo baragabanutse bagera ku mubare uri munsi ya 5 ku ijana.

Leta y' Ubushinwa yifuza ko ubukungu bw' icyo gihugu bwazazamuka ku kigero cya hagati 6.5 na 7% muri uyu mwaka wa 2016. Nk' uko imibare yagiye ahagaragara ibyerekana, ubukungu bw' Ubushinwa bazamutse ku kigero cya 6.7% mu gice cya mbere cy' uyu mwaka.

Ikibazo Ubushinwa bufite gikomeye ni imyenda ikomeye bufite. Iyi myenda ikaba igera ku gipimo cya 250% ugereranyije n' umusaruro w' imbere mu gihugu (GDP). Iki gipimo akaba atari cyiza na mba.

Rwanda: Imisoro ituma ubuzima bukomeza guhenda

By Ubukungu

Bamwe mu baturage b'uturere dutandukanye bemeza ko izamurwa ry' imisoro y' uturere tuba duhatana mu kwesa imihigo, bituma ubuzima burushaho guhenda. Si imisoro gusa ahubwo ngo hari n' andi mafaranga abaturage batanga muri rusange. Muri ayo mafaranga abaturage bavuga: amafaranga y' umutekano, amafaranga y' isuku ndetse n' andi bitewe n' akarere.

Ibi abaturage barabivuga mu gihe abayobozi benshi mu rwego rw' uturere baba bariyemeje kuzamura imibereho myiza y' abaturage no kwesa imihigo. Kugirango bagere kubyo biyemeje, aba bayobozi usanga ngo bashaka amafaranga yo kwifashisha. Aya mafaranga rero nta handi yava uretse ahanini mu baturage ubwabo.

“Uturere dukora uko dushoboye ngo tudukuremo amafaranga, cyane cyane tubinyujije mu bihano bitari ngombwa. Abantu ku giti cyabo bakorera mu masoko bishyura imisoro ku bicuruzwa byose. Iyi niyo mpamvu ibiciro ku isoko bikomeza kuzamuka." aya ni amwe mu magambo ya Jean Damascene Nzambaza ubwo yaganiraga n' ikinyamakuru The East African.

Umwe mu baturage wa Shyorongi yatangarije iki kinyamakuru ko bitumvikana ukuntu bagura ikamyo y' amabuye amafaranga ibihumbi 53 mu gihe yaguraga ibihumbi 41 umwaka ushize, nyamara ibirombe by' amabuye babituriye.

Uturere two mu cyaro twinshi dukunda kwiha intego yo gukusanya amafaranga ari hagati ya miliyoni 200 na miliyoni 320 buri gihembwe kugirango tugeze ku intego iri hagati ya miliyoni 800 na miliyari 2 buri mwaka. Gusa amakuru atugeraho ni uko inzira uturere dukunda guhitamo ari iyo kongera umubare w' abatanga amafaranga aho kugirango bongere amafaranga atangwa ku muntu umwe.

Abayobozi bo mu turere twa Gicumbi, Rulindo, Ngororero na Huye aho ibi bibazo byagaragajwe n' abaturage, bemeza ko batifuza gushyira umutwaro ku baturage.

Inzira umuntu wese yanyuramo kugira ngo yihangire umurimo (Igice cya I)

By Ubukungu

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

Ubukene bugenda bugabanuka ku Isi - Banki y' Isi

By Ubukungu

Washington - Mu bushakashatsi Banki y' Isi yasohoye biremezwa ko muri rusange nta gushidikanya ko ubukene bugenda bugabanuka mu Isi. Ibi ariko ntibibuza ko hari ibihugu ndetse n' abantu bagenda barushaho gukena, cyane cyane ababa munsi y' ubutayu bwa Sahara nibo bugarijwe.

Muri iyo raporo, yakorewe mu bihugu 83, biremezwa ko kimwe cya kabiri cy' abakene baba muri Afurika munsi y' Ubutayu bwa Sahara. Kimwe cya gatatu cyo kikaba muri Aziya y' amajyepfo.

Umuyobozi wa Banki y'Isi, bwana Jim Yong Kim yemeza ko Leta z' ibihugu bigize Isi zirimo gukomeza kugabanya ubukene kandi zigakora ibishoboka ngo ubutunzi buhari busangirwe na bose. Gusa uyu muyobozi akomeza anemera ko ntawakwirengagiza ko hakiri inzira ndende ngo ubukene burandurwe burundu.

Uyu muyobozi akomeza aburira buri wese bireba ko niba hatabayeho kugabanya abigwizaho imitungo ko guca burundu ubukene mbere ya 2030 nk' uko byiyemejwe byaba ari inzozi.

Kugeza ku Isi haracyari abantu basaga miliyoni 800 batunzwe n' amafaranga ari munsi y'idolari rimwe ku munsi, ni ukuvuga amafaranga ari munsi ya 850 y' amanyarwanda.

Ni ibiki nagakwiriye kwirinda byatuma nanga akazi ndiho?

By Ubukungu

Hashize igihe ubonye akazi, ibyishimo byo gusinya amasezerano y' akazi cyangwa gutangira akazi byarashize, umaze kumenyera. Hari aho bishobora kugera noneho ukumva urambiwe, ugatangira kwinuba. Dore zimwe mu mpamvu zabigutera n'uburyo wabyitwaramo kugira ngo bicyemuke:

1. Gutekereza ko urwego ugezeho rudahuye n'umwanya uriho

Bishatse kuvuga ngo wagombye kuba warazamuwe mu ntera ariko nta cyakozwe. Aho kugira ngo winube bitume unica akazi, byakabaye byiza ahubwo ukomeje kongera imbaraga n'ubuhanga ukorana akazi kawe, byanga bikunda bizagera aho bigaragare. Ngo “agatinze kazaza ni amenyo ya ruguru”. Nta bwitange butagira umusaruro, kabone n'iyo byatinda.

2. Ingufu nkoresha zitirirwa abandi

Niba ari uku bimeze, ushobora kuvugana n'umukoresha wawe cyangwa uyoboye ishami ukorera, mukabivuganaho bityo niba hari icyakongerwa ku gashahara ubona kikongerwa.

3. Agashahara kanjye ni gato

Aha mbere y'uko utangira kuvuga utya, byaba byiza ubanje kureba abo muri ku rwego rumwe ku mwanya umwe ayo bahembwa. Nusanga wowe uri hasi, uzegere umukoresha wawe, uzanye n'inyandiko zerekana imihemberwe y'abandi ahandi, hanyuma umusabe ko nawe ufatwa nk'abandi bakozi bari ku rwego rwawe.

4. Umunaniro ukabije

Bigenze gutya, byaba byiza ufashe akaruhuko, cyangwa ukumvikana n'umukoresha wawe uburyo wakoroherezwa, niba bidakunze, saba ikiruhuko (conge) ubanze uruhukeho gato.

5. Kurambirwa

Aha niba umaze kurambirwa, wakwibaza niba igihe washakaga ako kazi ari uko wari ugakunze koko, cyangwa niba ari uko wishakiraga imibereho gusa. Niba byari imibereho gusa, ukaba wumva umaze kugira aho ugera, byaba byiza ushatse akazi wishimira, kuko kukagumaho ukarambiwe bizatuma utuzuza neza inshingano zawe.

6. Kwanga umukoresha

Kwanga umukoresha bishobora kuba ikimenyetso cyo kwerekana ko ubona ko nawe akwanga. Kandi kumuhindura ngo agukunde ntibyoroshye. Niba hari ibyo agukorera bikubangamira, byaba byiza mubiganiriyeho ukabimubwira witonze. Gusa nawe uzirinde amarangamutima, kuko ushobora gusanga ari nawe uri mu makosa.

7. Kutihanganira abo mukorana

Niba utibona mu bo mukorana, uzabanze urebe niba atari wowe icyo kibazo gikomokaho. Nusanga ari wowe, ugerageze kwikosora, uhindure imyitwarire, ubabanire neza. Niba kandi ikibazo atari wowe giturukaho, ukabona utabyihanganira, wahindura akazi

Muhumuza Simeon

Menya akamaro k'ubushakashatsi mu bucuruzi

By Ubukungu

Ubushakashatsi ni igikorwa cyo gushakashaka amakuru yose ajyanye n' ikintu runaka mu gihe umuntu afite icyo yifuza kugeraho. Gusa gusa nanone ni igikorwa gishobora gukorwa mu rwego rwo kuvumbura ikintu gishya kitari gisanzweho cyangwa se uburyo bushya ikintu cyagakozwemo ubusanzwe kitari gikozwemo.

No mu bucuruzi (business) ubushakashatsi burakorwa kandi ni kimwe mu bintu bituma ibikorwa by'umuntu runaka bishobora gutera imbere ndetse cyane bitewe n'uburyo nyirabyo yabitekereje cyangwa se yabikozemo. Gusa mbere y'uko abigeraho haba hakwiriye gukorwa ubushakashatsi bwimbitse kuri ibyo bikorwa nyir'izina.

Iyi nkuru iribanda ku nyungu zo gukora ubushakashatsi ku bucuruzi runaka mbere yo kubutangiza ndetse na nyuma yo kubutangiza.

Inyungu yo gukora ubushakashatsi mbere yo gutangira ubucuruzi bwawe ni uko:

1.Bizagufasha gukomeza kugerageza ndetse no kugenzura neza igitekerezo cy'umushinga wawe:

Mu gihe umaze gukora ubushakashatsi bwimbitse ku bucuruzi bwawe bizagufasha kuba wagerageza kubutangira koko nawe ngo urebe ko ibyo abandi bagezeho nawe wazabigeraho. Ikindi kandi bizagufasha kuba wamenya uburyo bwiza bwo kugenzura ibikorwa byawe ugendeye ku byo wamenyeye ku bandi wabanje kubaza, babandi bagutanze gukora nk'ibyo ukora cyangwa se bakora ibijya gusa n'ibyo wowe ukora.

2.Bizagufasha kumenya ibimenyetso simusiga, ubwoko bw'abakiriya ukeneye, umubare nyawo w'abakozi ukeneye gukoresha,ndetse n'abo muhanganye:

Birashoboka ko niba utaratangira ubucuruzi bwawe uzakenera kumenya ibimenyetso simusiga uzatanga haba mu buyobozi kugirango ubashe kwemererwa kuba wabutangira kandi ubushakashatsi uzakora ku bandi buri mu bizabigufasha. Ikindi nanone niba ukeneye gutangira riko utaramenya ubwoko bw'abakiriya ukeneye byaba ari ikibazo. Urugero: Niba abakiriya bawe ari abanyamahanga cyane kurusha Abanyarwanda, cyangwa se niba bombi uzabakenera bitewe n'ubucuruzi wahisemo gukora n'uburyo ubona buzakungura.

Ushobora kuba kandi utazi umubare w'abakozi uzakoresha kugira ngo ubashe kugera ku ntego yo guhaza isoko ryawe ndetse nawe ukomeze gutera imbere mu rwego rw'uko uko uzacuruza byinshi ari nako uzarushaho kunguka. Ni byiza rero ko uzifashisha ubushakashatsi mbere ukabaza abandi bagenzi bawe bakora cyangwa se bigeze gukora ubwo bucuruzi bityo ukamenya umubare nyawo w'abakozi uzakoresha kugirango utazahomba ndetse kandi si ibyo gusa uzabamenyeraho kuko bishoboka ko hari n'izindi nama bazakugira n'ibindi bigiye bitandukanye.

3.Bizagufasha gukomeza gushyikirana neza n'abakiriya bawe:

Mu gihe ukora cyangwa se waba ugiye gukora ubucuruzi bwawe, ubushakashatsi ku bakiriya bawe nabwo buba bukenewe kugirango ubashe kumenya ibibanyura bikabashimisha ndetse n'ibyo batishimira, ukamenya impamvu ituma bajya gushakira bimwe mu byo ucuruza ahandi.

Ukwiriye kandi kumenya n'ibyifuzo by'abakiriya bawe kuko uko urushaho gushyikirana n'abakiriya bawe ukaganira nabo ukumva ibyifuzo byabo ndetse ukabyubahiriza biri mu bituma abakiriya bawe biyongera ndetse bityo nawe ukarushaho kunguka cyane. Urugero: Niba ucuruza amata ariko ukaba aho uyacurururiza hataba isuku, abakiriya bawe bazagabanuka ndetse usange babuza n'abandi kuza aho kandi bidatinze uzahomba mu gihe koko uzaba utabikosoye.

4.Bizagufasha kumenya ibicuruzwa bisa cyangwa bijya kumera kimwe n'ibyo wari giye kujya ucuruza ndetse n'abo muzahangana bacuruza bimwe nk'ibyawe bityo umenye ingamba uzakoresha mu rwego rwo kwirinda igihombo:

Mu gihe uzaba ukora ubushakashatsi bwimbitse ku bucuruzi bwawe bitewe n'igice cyangwa akarere uherereyemo, bimwe mu byo uzabasha gushakisha ni kumenya bamwe mu bacuruzi mucuruza bimwe, uko bangana ndetse n'abo aribo bityo unamenye ingufu bakurusha, intege nke zabo ndetse nawe bigutere kumenya icyo ubarusha cyangwa se uzabarusha ndetse n'intege zawe uko zingana n'uburyo zizaba zingana bityo umenye koko ingamba uzakoresha kugirango wunguke cyane kubarusha cyangwa se nanone ukurure abaguzi cyane kubarusha. Gusa ibyo byose bizaterwa n'uko uzabanza gukora ubushakashatsi mbere, kandi nubikora nta kabuza uzabigeraho.

5.Byagufasha gukomeza kuguma mu myanya yo hejuru mu bacuruzi mucuruza ibicuruzwa bimwe:

Rimwe na rimwe mu bucuruzi bamwe mu bacuruzi bajya bava mu myanya yo hejuru bakamanuka bakajya hasi ndetse byarimba bakanahomba kandi bari bageze kure, ariko akenshi biterwa no kuba baba batakoze ubushakashatsi ngo bamenye abo bahanganye nabo mu gucuruza bityo bafate ingamba zo kuba batazamanuka. Mu gihe tugezemo ubu umucuruzi wunguka cyane ni uba afite abaguzi benshi gusa iyo udafashe ingamba ngo ushake uko ukomeza gushimisha abakiriya bawe bityo ntibazakururwe n'abandi bacuruzi ngo wowe bakuveho, birangira bakuvuyeho bakigira ahandi kandi iyo bakuvuyeho ari benshi niho hava igihombo.

Bumwe mu buryo bwiza rero bwo kwirinda igihombo nk'icyo ni ugukora ubushakashatsi bwimbitse maze ukamenya ingamba zo gukoresha kugirango ugume ku mwanya wo hejuru bityo ntuzigere umanuka.

Izi ngingo ni zimwe mu zigaragaza umumaro w'ubushakashatsi bwimbitse muri bucuruzi kandi nubwo hari n'izindi ariko izi nuzikurikiza koko nta kabuza ko uzakomeza kuba umuntu ukomeye kandi ugendana n'iterambere mu bucuruzi.

Muhumuza Simeon

Miss Sandra Teta arashinjwa kurigisa inzoga za miliyoni zirenga eshanu

By Ubukungu

Miss Sandra Teta wigeze kuregwa gutanga cheque zitazigamiye ndetse akagera aho akanafungwa, yongeye kumvikana ashinjwa ibikorwa by' uburiganya. Ikompanyi icuruza inzoga yitwa STS Trade yagejeje ikirego kuri Polisi y'u Rwanda ishinja uyu mukobwa kurigisa inzoga zifite agaciro ka miliyoni zisaga eshanu z' amafaranga y' u Rwanda ngo "yahawe" ubwo yateguraga ibirori bya ‘Teta All Red Party'.

Iyi kompanyi ivuga ko Sandra Teta ajya gutegura ibirori by' abambaye umutuku yaje gusaba inkunga mu ikompanyi bemera kuyimuha ariko bagirana amasezerano koinzoga bazamuha yagombaga gucuruza akabasubiza amafaranga y'ikiranguzo cyazo we akajyana inyungu. Iyi kompanyi ariko ivuga ko ibyo yabirenzeho ntiyabasubiza n'ifaranga na rimwe.

Amakuru dufite kandi yemeza ko iyi kompanyi yari yanamwemereye inkunga yo kumwishyurira band, uwagombaga gufata amafoto na video n' ibyo kunywa biha ikaze abafana. Iyi kompanyi yemeza kandi ko yamuhaye inzoga za miliyoni eshanu n'ibihumbi ijana, ariko atari inkunga ahubwo agomb kuzicuruza akajyana inyungu akadusubiza amafaranga y'ikiranguzo.

Kidobya yaje kuba ubwo ibi birori byasubikwagwa ntibibere ku itariki ya 24 Nzeri 2016 ahubwo bikaba biteganyijwe kuba uyu munsi ku ya 1 Ukwakira. STS yasabye Sandra Teta ko yagarura inzoga zabo noneho umunsi ibi birori byabaye bakamuha izindi nzoga ariko uyu mukobwa arabatsembera.

Amakuru yaje kugera kuri STS ni uko inzoga bahaye uyu mukobwa yazitanzeho ingwate ngo yisabira inguzanyo yo kwishyura aho ibirori bizabera. Ibi bikagaragaza ko Sandra Teta nta mafaranga yari afite ahagije ajya gutegura ibi birori.

Mu kwiregura Sandra Teta yemeza ko inkunga bamuhaye harimo n' inzoga, ibyo kuzicuruza akabaha amafaranga y' ikiranguzo ntabyo azi ko bitari mu masezerano bagiranye. Kugeza ubu haribazwa ikiza gukurikira mu gihe izi mpande zombi zitabashije kumvikana bikagera aho bigera kuri Polisi y' u Rwanda mu ikirego.

RSSB yabuze ayo icira n'ayo imira imbere ya PAC yisobanura ku makosa y'urudaca yayimunze

By Ubukungu

Abadepite banenze uburyo ikigo cy'igihugu cy'ubwiteganyirize (RSSB) cyubatse inzu zari zitezweho guca ikibazo cy'akajagari kandi ahendukiye abanyakigali nyamara bakubaka amazu amara ubutaka kandi anahenze cyane.

Kuri uyu wa 28 Nzeli 2016 ikigo cy'igihugu cy'ubwiteganyirize (RSSB) yitabye abadepite bagize PAC ngo batange ibisobanuro ku ikoreshwa nabi ry'umutungo wa Leta muri iki kigo ryagaragajwe na raporo y'umugenzuzi w'imari mu mwaka w'ingengo y'imari wa 2015/2016.

Depite Munyangeyo Theogene umwe mu bagize komisiyo ishinzwe kugenzura imikoreshereze y'imari ya leta yagarutse ku nzu zo kubamo zubatswe na RSSB mu mujyi wa Kigali mu rwego rwo guca akajagari ariko nabo ngo bakaba barubatse mu kandi kajagari, ngo kuko uburyo izo nzu zubatsemo zimara ubutaka kandi aricyo zari zije gukemura.

Byongeye kandi ngo izi nzu zirahenze cyane ku buryo nta munyamuryango wa RSSB wabasha kuyigondera.

Yagize ati: “Burya iyo umuntu agukorera inyigo nawe umuha ibitekerezo. Dukurikije n'ikibazo cy'ubutaka dufite n'inyubako zikenewe n'abanyarwanda, ziriya nzu mwubatse hariya zijyanye n'ibitekerezo mwari mwatanze? Inzu za kariya gaciro zitanarondereza n'ubutaka mu kibazo cy'ubutaka dufite tuvuga ko ari akajagari gaciritse kasimbujwe akandi kadateye imbere."

Yakomeje ati “Utuzu turumbaraye kuriya n'ubutaka bw'i Kigali, aho kugira ngo muhindure umuco mwubake muzamura, ziriya nizo Abanyarwanda bari bakeneye ubundi? Ubundi mureba abanyamuryango? Inzu y'ibihumbi 400 by'amadolari (amanyarwanda 322 028 000) ni yo umuryango wari ukeneye?”

Mu magambo make, umuyobozi mukuru wa RSSB Jonathan Gatare yasubije abadepite ko bubatse aya mazu bagamije gushora imari kandi ko bizeye kunguka, ngo abanyamuryango baciriritse nabo bakazagerwaho.

Yagize ati “Twizeye ko bizunguka ariko nagira ngo nkumare impungenge ko n'ibyo byiciro bindi nabyo byateganijwe.”

Ikindi cyagarutsweho ni inyubako RSSB yagiye yubaka mu ntara zitandukanye nyamara nta nyigo ihamye yakozwe mbere bigatuma zibura abantu bahagije bo kuzikoreramo dore ko inyishi zitanakorerwamo ku kigero cya 50%.

Umuyobozi mukuru wa RSSB yasobanuye ko icyo kibazo bakivuganye na sosiyete ishinzwe gucunga imitungo ya RSSB, yiyemeje gushaka abazikoreramo muri uyu mwaka ku kigero cya 70% mu Ntara na 90% mu mujyi wa Kigali bitaba ibyo hakaba hari amafaranga iyo sosiyete izajya yishyura RSSB.

RSSB kandi yabajijwe aho igeze yishyuza miliyoni 147 ifitiwe na Minisiteri y'Ubuzima aho ugeze wishyurwa, miliyoni 437 Umujyi wa Kigali umaranye imyaka 12 nyamara nta nyungu utanga n'izindi miliyari 6,4 RSSB igomba kwishyurwa na Minisiteri y'ibikorwa remezo.

Umuyobozi mukuru wa RSSB yavuze ko ayo mfaranga yose ari kugaruzwa ndetse nko ku ruhande rw'umujyi wa Kigali bafashe umwanzuro w'uko nta kindi gikorwa bazongera gukorana batarishyura uwo mwenda.

Abadepite bavuze ko umujyi wa Kigali wagakwiye kuba wishyura inyungu kuri uwo mwenda.

Ntibisanzwe: I Nyamasheke habonetse ihene iryana nk'imbwa y'inkazi!

By Ubukungu

Mu mudugudu wa Tyazo, akagari ka Rushyarara mu murenge wa Karambi mu karere ka Nyamasheke hadutse Ihene idasanzwe bivugwa ko yaba ifite amadayimoni. Iyo hene icyo ihuye nacyo cyose irakirya ndetse nayo ubwayo yiriye umurizo irawuca. Abayigoreweho cyane ni abantu bo ibarya nk'uko imbwa irya abantu.

Iri tungo ryayobeye ba nyiraryo n'abandi baturage, bamwe bavuga ko ishobora kuba ifite ibisazi, abandi bakavuga ko ifite amadayimoni.

Umunyamabanga Nshingwabikorwa w'umurenge wa Karambi, Nkundabarama Jean Claude, yabwiye abanyamakuru ko iyo hene yaguzwe mu isoko ry'amatungo ry'aho bita kuri Ville, mu murenge wa Cyato, ikaguranwa n'izindi zagombaga guhabwa abaturage muri gahunda y'ubudehe.

Mu mudugudu wa Tyazo, hari abaturage bane bagombaga guhabwa izo hene, habaho tombora, Nshiriyehe Pascal atombora iyo ngiyo ariko imubera akaga kuva ikihagera kugeza n'uyu munsi.

Mukantabana Vérène, umugore w'uyu Nshiriyehe, yahamije ko iryo tungo, bari babonye bakeneye, ryabateje ibyago bidasanzwe.

Yagize ati” Kuva uwo munsi tuyibona kuko bayiduhaye ku wa 24 Kanama uyu mwaka saa tatu za mu gitondo, nimugoroba mu ma saa cyenda umwana wanjye w'umuhungu w'imyaka itanu yahise apfa nta n'igicurane yigeze ataka, twumva ari urupfu rusanzwe, ihene na yo kuva uwo munsi itangira kugaragaza imico idasanzwe none irarya abantu.”

Mukantabana avuga ko imaze kuruma abantu bane gusa kuri ubu ntawe uyegera kuko bamaze kuyimenya, ngo afite ubwoba ko amadayimoni yaba yaramugiriye mu mugabo kuko nawe yamuciye igisebe ku kuguru.

Uyu mugore avuga ko abandi bantu yagiye ibaruma ariko ikabahusha ntibakomereke cyane, iyi hene kabutindi, yanarumye inkoko yo muri urwo rugo ariko yo nta bimenyetso bidasanzwe iragaragaza.

Yiriye umurizo, yiruka ku muntu yayicika ikagira umujinya igakubita ihembe ku giti, rimwe ryacitsemo kabiri, itunzwe n'igitaka yacukuye aho iba, iziritse ku mbuga, ihamaze ibyumweru bibiri, nta n'umujura uyikoraho kandi muri ako gace abajura nta tungo barebera izuba.

Mukantabana ati ati “Bayiduhaye tuzi ko izatugirira akamaro ariko ndabona iduteje ibibazo, ndifuza ko bayinkurira hano, nta n'indi nshaka, iyo ngira Imana ngasanga umugabo wanjye itaramushyizemo ayo madayimoni yayo.''

Abadepite beruye bavuga ko barambiwe imikorere mibi ya RAB

By Ubukungu

Abadepite bagize Komisiyo y'Inteko ishinzwe gukurikirana imikoreshereze y'imari n'umutungo bya leta (PAC) babwiye Ikigo gishinzwe Iterambere ry'Ubuhinzi n'Ubworozi mu Rwanda (RAB) kwisubiraho kuko kimaze imyaka myinshi cyisobanura ku makosa ajya gusa.

Iki kigo kikaba mu mwaka wa 2015/2016, umugenzuzi mukuru w'Imari ya Leta yaragaragaje amakosa agera kuri 35 agendanye n'imikoreshereze y'amafaranga, itangwa ry'amasoko, mu itangwa rya serivisi z'ubuhinzi n'ubworozi, mu ishyirwa mu bikorwa ry'ingengo y'Imari n'ibindi.

Mu ngengo y'imari y'umwaka wa 2016-2017, iki kigo cyagenewe Miliyari 34 zizakoreshwa mu guteza imbere ubuhinzi n'ubworozi , mu gutubura umusaruro w'ubuhinzi n'ubworozi, ubushakashatsi, iyamamazabuhinzi, inyigisho n'amahugurwa bigeza ku bahinzi borozi ikoranabuhanga rishya n'ibindi cyagiye gishinjwa gukora nabi.

Amwe mu makosa 35 yagaragaye mu mwaka wa 2015 harimo amafaranga agera kuri miliyari imwe yashyizwe kuri konti ya RAB hatagaragara aho yavuye, umwenda wa miliyoni 114 RAB itagaruje, miliyoni 610 z'umwenda w'igihe kirekire iki kigo kitagaruje ndetse n'ibibazo by'amasoko ya Leta agera ku icyenda harimo iry'ibiro byayo rigiye gutangwa ubwa gatatu, aho mbere batanzeho amafaranga y'ibanze (Avance) ya miliyoni 42 atangana n'akazi kakozwe.

Kuva PAC yatangira kujya ihamagara ibigo kwisobanura imbonankubone, iki kigo gikunda kugaragaramo n'amakosa aremereye cyane, ndetse amenshi akagenda agaruka uko imyaka ishira indi igataha.

Imbere ya PAC, Umuyobizi wa RAB, Daphrose Gahakwa, yavuze ko nubwo amwe mu makosa agaruka ariko hari abakozi bagiye bahanwa harimo abanyereza amafaranga n'abakora amanyanga muri gahunda ya Girinka.

Depite Karemera Tierry yavuze ko hari ibibazo bihora bigenda bigaruka akibaza niba abagenzuzi b'Imari imbere( Internal Auditor) muri RAB bakora akazi kabo neza cyangwa niba batanga Raporo.

Yagize ati “Hakagombye kuba hari abantu imbere babibonye bakabivuga Umugenzuzi mukuru ataraza…Ni ukuvuga harimo ikibazo tutaramenya, mugomba kudufasha mukatubwira ahantu biri gupfira”.

Ibi byatumye umwe mu badepite atinyuka avuga ko abakozi b'iki kigo bashobora kuba bihaza mu biribwa ubundi bagasagurira abaturage nyuma akurikije imikorere yabo.

Aha yagize ati “Ahubwo ya ‘Food Security' ubanza ihera kuri nyir'ikigo ahubwo nyuma mukagera ku bandi, ahubwo twe kubifata nk'ibintu byoroshye.Baba babasaguriye abaturage ”.

Depite Karenzi Theoneste yagarutse ku kuba mu nama 123 uru rwego rwagiriwe n'umugenzuzi mukuru w'Imari ya Leta , rwarashyize mu bikorwa 70% maze ahata ibibazo umuyobozi w' Inama y'Ubuyobozi ya RAB arirwo rwego ruyiyobora kandi rufata ibyemezo.

Inama y'Ubuyobizi Ifite ububasha busesuye n'inshingano byo gucunga umutungo wa RAB kugira ngo ishobore kugera ku nshingano zayo.

Umuyobozi wayo akaba yavuze ko hari imikoranire mibi hagati y'uru rwego ndetse na bamwe mu bakozi b'iki kigo bigatuma hari udukosa tutagaragara. Ibi abadepite bafashe nko gusuzugura ibintu bifite agaciro kanini abyita ‘udukosa' .Aha bahise bavuga ko byaba biri mu bitera guhora basiragira mu Nteko Ishinga Amategeko.

Umugenzuzi mukuru w'imari ya Leta ,Obadiah Biraro, wari uhari yasabye abayobozi ba RAB guha agaciro ingengo y'Imari ariko avuga ko Leta ikwiye kwiga ku miterere y'iki kigo kuko gihurijwemo inzego nyinshi bityo ibibazo byayo bikaba bikwiye kwiganwa ubwitonzi.

Yasabye umujyanama muby'ubukungu muri iki kigo gukora akazi ke neza kuko nawe ashobora kuba ari ipfundo by'uruhuri rw'ibibazo rugenda rugaragara mu nshingano za RAB.

Yakomeje agira ati “ Mukwiye gusaba abadepite imfashanyo runaka mugakorerwa ubuvugizi n'abadepite yaba ari amafaranga, inama n'ibindi. Gusa birababaje kuvuga ngo barabyibagiwe kandi ari ibintu birebana n'ubuzima bw'abantu.”

Umuyobozi wa PAC, Nkusi Juvenal yavuze ko bahombeje Leta amafaranga menshi mu bihe bishize ariko abasaba kugenda bagakosora ibyagaragayeku buryo mu bihe biri imbere bitazabagaruka imbere.

Daphrose Gahakwa mu gusoza yavuze ko ikigo ayoboye cyafashe ingamba ndetse nikinagaruka kitazaza kizanye amakosa yagarutsweho mbere.

Yagize ati “Ndabizeza ko naho twazabagaruka imbere tutazasubira muri ibi ngibi kuko twafashe ingamba zo kubikosora”.

Inama y'Ubuyobozi ya RAB igizwe n'abantu barindwi (7) barimo Perezida na Visi Perezida b'inararibonye mu by'ubuhinzi n''ubworozi. Gusa hibazwa uburyo ifite abantu b'abahanga ariko igahora mu makosa.

U Rwanda rwanikiye ibihugu by'Afurika mu kugira ubukungu butajegajega

By Ubukungu

Raporo yiswe Global Competitiveness Report 2016-2017 yerekanye ko u Rwanda ari igihugu cya gatatu muri Afurika gifite ubukungu buzamuka ubutitsa kandi bikajyana n'imibereho y'abagituye.

Iyi raporo yerekanye ko u Rwanda rwazamutse imyanya itandatu ugereranyije no mu mwaka ushize, uyu mwaka rwaje ku wa 52 mu gihe ubushize rwari urwa 58 ku Isi.

Muri Afurika ruza inyuma ya Afurika y'Epfo na Mauritius, rukurikiwe na Botswana, Kenya na Cote d'Ivoire

Naho mu karere u Rwanda ruri ku mwanya wa mbere rugakurikirwa na Kenya, Uganda, Tanzania naho u Burundi buza ku mwanya wa gatatu uturutse inyuma.

Ku Isi ibihugu bifite ubukungu buhamye ni u Busuwisi, Singapore, Leta Zunze Ubumwe za Amerika, u Buholandi n'u Budage.

Icyo cyegeranyo cyakozwe hashingiwe ku miterere y'ubukungu muri rusange n'uburyo ibihugu byorohereza abashoramari, gutanga serivisi zihuse cyane cyane izo gutangiza ibigo by'ubucuruzi, kubona ibyangombwa byo kubaka, kwandikisha ubutaka no kubona ibyangombwa by'inzira.

Leta y'u Rwanda ikomeje gukora iyo bwabaga ngo igire ubukungu buhamye bushingiye ku bikorerwa imbere mu gihugu.

Serivisi zitandukanye ziboneka byihuse, kandi kuri ubu nyinshi zitangirwa kuri internet. Kuva mu mwaka utaha no gutanga amasoko ya leta yose bizakorerwa ku rubuga umucyo.gov.rw

Ese koko amafaranga yarabuze cyangwa abantu basigaye bayapfusha ubusa?

By Ubukungu

Muri iyi minsi, uzumva abanyarwanda benshi, cyane cyane abakiri bato, bavuga ko kwigondera inzu bigoranye kubera ukuntu ubutaka busigaye buhenze ndetse n' ibikoresho byo kubaka inzu za kijyambere bihenze cyane. Uzumva kandi, nk' uko twabibagejejeho ubushize, abakobwa babazwa n' uko abasore batakibasaba kubaka urugo bitwaje ubukene.

Nyamara, niwitegereza mu imihanda, imodoka zigenda ziyongera cyane kandi inziza zikagurwa akenshi n' abakiri bato. Mu mpera z' icyumweru uzasanga utubyiniro n' utubari duhenze byuzuye abakiri bato barimo kwishimisha. Ese koko amafaranga yarabuze cyangwa abantu basigaye bayapfusha ubusa?

Ni byo koko ubukungu bw' u Rwanda muri iyi minsi ntabwo buzamuka nko mu myaka yashize bwazamukaga cyane. Ariko rero ubukungu bw' u Rwanda burazamuka buri mwaka kandi ku kigero cyiza. Abantu benshi bakomeza kuvuga ko abakire aribo bakomeza gukira naho abakene bagakomeza gukena. Ariko se abo bakire bakomeza gukira bakizwa na nde?

Kimwe mu bisubizo kandi byumvikana ni uko abakire bakizwa n' abakene kandi bakabakiza nta gahato karimo. Urugero uzasanga abantu na duke bakorera batumarira mu tubari (ducungwa kandi twubatswe n' abakire). Uzasanga amafaranga yabo ashirira mu kugura imyenda myiza cyane mu maduka (acungwa kandi yubatswe n' abakire), usange ndetse na duke basigarana batugura amamodoka yo kugendamo badakeneye kandi azabakenesha kurushaho, amamodoka anwa lisance (essence) kuri za stations z' abakire, agakorerwa mu magaraje (garages) y' abakire, akogerezwa mu binamba by' abakire ndetse na ‘pieces' zayo zikagurwa mu maduka y' abakire.

Ese urakibaza impamvu abakire bakomeza gukira, abakene nabo bagakomeza gukena?

Niba winjiza munsi y' ibihumbi 800 ku kwezi, iyo modoka ugendamo yigurishe cyangwa uyishakire akandi kazi.

Nk' uko twabigarutseho hejuru, imodoka ni kimwe mu bintu bimara amafaranga y' abakiri bato. Umwe mu basore twaganiye witwa Kalisa (amazina yahinduwe) yabwiye UBUKUNGU ko yabonye akazi mu mwaka wa 2012, atangira akorera amafaranga ibihumbi 200. Ubu ageze ku bihumbi 450 ku kwezi. Umwaka wakuriyeho yahise agura imodoka ya miliyoni enye ku nguzanyo. Kalisa yemeza ko iyo modoka yamugoye kuyishyura ngo ayirangize ndetse akanagorwa no kuyitaho kandi nta mafaranga iyo modoka yinjiza.

Frank ni umusore w' imyaka 34, yemeza ko kugeza ubu yananiwe gushaka umugore kubera ubushobozi, nyamara ahembwa ibihumbi 600 bya buri kwezi. Frank yemeza ko buri kwezi imodoka agendamo (Carina E) imutwara ibihumbi nibura 150. Hakaba hari n'igihe imutwara ibihumbi 250 iyo yapfuye. Buri kwezi uyu musore yishyura ibihumbi 120 by' inzu, agakoresha 40 byo kurya saa sita, 80 byo kumutunga mu rugo, 100 byo gusohokana n' inshuti ze no kwiiyitaho ndetse n' ibihumbi 100 byo kwita ku mukunzi we kuko nta akazi agira.

Iyo ubaze ushanga nibura Frank bimutwara ibihumbi 590 buri kwezi ndetse rimwe na rimwe akanarenga, ukwezi kugashira ari mu myenda.

Tumaze kumva iyi nkuru ya Frank twegereye umwe mu bahanga mu by' icungamutungo, utarashatse ko amazina ye atangazwa, aratubwira ati : « abasore benshi muri iyi minsi barimo kugura imodoka cyane kandi nyamara nta bushobozi bafite bwo kuzitunga. Niba winjiza munsi y' ibihumbi 800 ku kwezi, iyo modoka ugendamo yigurishe cyangwa uyishakire akandi kazi. »

Ni gute utunga imodoka nta nzu cyangwa nibura ikibanza ugira?

Mu Rwanda rwa kera umusore yajyaga kuba umugabo ari uko afite aho aba. N' ubu kandi usanga umuntu udafite aho atuye aba mu by' ukuri agifite urugendo runini mu buzima. Muri iki gihe amazu yarahenze ariko rero uwifuza kugira inzu, atangira ashaka aho azayubaka, ikibanza. Umusaza Gakwerere (amazina yahinduwe) yemeza ko umusore utazi icyo ashaka agura imodoka atagira ikibanza. "Imodoka iyo uyiguze itangira guta agaciro ariko ikibanza cyo gitangira kuzamura agaciro, ubwose wowe ko mbona uri umusore wahitamo iki?" muzehe Gakwerere abaza umunyamakuru w' UBUKUNGU.

Frank ariko ntabwo yemeranya n' uyu musaza: "amafaranga yarabuze kandi n' umusore udafite imodoka ntabona inkumi isobanutse yo gutereta."

Umwanzuro

Ntawatinya kwemeza ko ubu amafaranga yabuze kandi ko n' aboneka adafite agaciro ku isoko nka cyera. Gusa ariko ibi ntibiteze guhinduka vuba, ahubwo bishobora kuziyongera mu myaka iri imbere. Duke ubona dukoreshe tubyare utundi aho kudupfusha ubusa. Amenshi yo ukeka ko uzabonera rimwe ntayo uzigera ubona udahereye ku gufata neza duke ubona uyu munsi.

Amafaranga ashobora kuba koko ataboneka nka mbere kandi ubukungu bw' Isi muri iyi myaka buha amahirwe abafite andi mafaranga yo gushora. Guhera ku busa umuntu agatera imbere bigenda biba inzozi. Ariko rero ku rundi ruhande, abantu bagomba kugendana n' iri hinduka, bagakoresha neza duke babona.

Airbus A330-200 ya Rwandair iragera mu Rwanda uyu munsi

By Ubukungu

Indege nini yo mu bwoko bwa Airbus A330-200 ya Kompanyi Nyarwanda itwara abantu n'ibintu mu ndege Rwandair, iragera bwa mbere mu Rwanda saa tanu z'amanywa zo kuri uyu wa Gatatu.

Iyi ndege yiswe Ubumwe, yaguzwe miliyoni 250 z'amadorari y'amanyamerika, ifite ubushobozi bwo gutwara abantu 244. Yakorewe mu ruganda ruherereye i Toulouse mu gihugu cy'ubufaransa.

Rwandair yatumije iyi ndege mu mwaka wa 2014, imaze gukorwa ikorerwa isuzuma ryimbitse n'uru ruganda mbere yo kuyishyikiriza Rwandair. Yahagurutse mu bufaransa mu gitondo cyo kuri uyu wa Gatatu igana i Kigali, ihagurukana abagenzi 38. Yashyikirijwe ubuyobozi bwa Rwandair ku mugoroba wo kuri uyu wa Kabiri tariki ya 27 Nzeli 2016, i Toulouse mu Bufaransa ku ku cyicaro cy'uruganda rwayikoze.

Iyi ndege, ni imwe muri ebyiri zo muri ubu bwoko Rwandair yatumije, kugira ngo izifashishe mu kwagura ingendo zayo hirya no hino ku Isi, nk'uko Mirenge John uyiyobora yabitangaje.

Yagize ati “Iyi Airbus ni yo ya mbere yo muri ubu bwoko igeze muri Afurika y'Iburasirazuba. Vuba aha turongera ku ngendo zacu imijyi ya Harare muri Zimbabwe na Mumbai mu Buhinde mbere y'uko tugera mu Burengerazuba bw'u Burayi".

Abadepite bibajije niba ruswa y'ikigugu atari yo ihejeje RAB mu bukode

By Ubukungu

Komisiyo y'Inteko ishinzwe gukurikirana imikoreshereze y'imari n'umutungo bya leta (PAC) yakemanze ruswa mu Kigo cy'igihugu gishinzwe Ubuhinzi n'Ubworozi (RAB),nyuma yo gutanga isoko ryo kubaka aho gikorera inshuro ebyiri binanirana.

Muri Raporo y'Umugenzuzi mukuru w'Imari ya Leta 2016, hagaragajwe ibihombo byinshi muri iki kigo harimo miliyoni 114 basanze iki kigo gifite hadasobanurwa neza aho yavuye,Miliyari 1,47 ataragiye agaragazwa neza aho yinjiye aturutse ndetse na miliyoni 15 yakiriwe n'umukozi agashyira kuri Konti zirindwi.

Gusa bigeze ku mitangire y'amasoko, Umugenzuzi yagaragaje ko hari amasoko ageze kuri 20 yari afite agaciro ka miliyoni hafi 400 ataratanzwe kandi ari mu igenamigambi, ndetse n'andi masoko icyenda yatanzwe atari mu igenamigambi.

Bagarutse ku mushoramari wahawe isoko rihwanye na miliyoni 840,179 akarita ndetse na Sosiyeti yitwa Nyabugogo Supply Ltd yahawe isoko itujuje ibyangombwa.

Ushinzwe gutanga amasoko yavuze ko amasoko icyenda yagaragajwe yarebanaga n'Imurikagurisha inzego z'ubuhinzi zijya zikora ariko yemera ko bayatanze bihabanye n'uko itegeko ryo gutanga amasoko yihutirwa rivuga.

Nkuko byasobanuwe, itegeko ryo gutanga amasoko rivuga ko amasoko ategurwa igihe ingengo y'Imari y'ibindi bikorwa irimo itegurwa kugirango amasoko azatangwa abe ahuye n'amafaranga ateganyijwe mu ngengo y'Imari.Itegeko kandi riteganya ko iyo hari amasoko yibagiranye RPPA iyongeramo mu gihembwe cya gatatu, naho Ibiza bitunguranye bigasuzumwa ukwabyo.

Umuyobozi w'Agateganyo wa RAB, Daphrose Gahakwa, yavuze ko ayo masoko icyenda yaturutse kuri iyo ‘Expo' yaje ifite insanganyamatsiko ibategeka kugira ibyo bahindura.Gusa umukozi wa RAB ushinzwe gutegura amasoko akaba yavuze ko nubwo hari ibyo atibuka neza ariko yabwiwe ko bikenewe akabisinyira.

Icyicaro cya RAB cyatumye bakekwaho ruswa y'ikigugu

Mu ingengo y'imari ya 2013-2014, RAB yatanze isoko ryo kubaka icyicaro cy'iki kigo kuko aho kiri hakodeshwa amafaranga menshi.Muri uwo mwaka batanze isoko maze rwiyemezamirimo wa mbere araritsindira ariko ahita aryamburwa kuko hari ibyo atari yujuje. Haje uwa kabiri nawe ahabwa 20% by'amafaranga yagombaga gukorera ahwanye na miliyoni 42 nawe aza gukora icyo iki kigo kita ‘Ubuhemu” kuko yaritaye ritarangiye.

Gusa nubwo RAB yakomeje kuvuga ko rwiyemezamirimo wa kabiri ari umuhemu, abadepite bo ntibigeze babikozwa kuko batumva uburyo yahawe isoko kandi yari asanzwe ari bihemu n'ahandi nk'I Nyamagabe.

Ushinzwe gutanga amasoko yavuze ko nta kibazo babonaga mu kumuha isoko cyane ko yari yujuje ibyangombwa, ibintu abadepite bafashe nko kureba mu mpapuro buhumyi cyangwa se ufunze amaso.

Umujyanama mu mategeko wa RAB nawe yahise avuga ko ku bijyanye n'amafaranga y'ingwate yo gutangiza imirimo bandikiranye ku neza ariko bakaba batarayabona nubwo bamujyanye mu nkiko .

Depite Nkusi n'ikiniga cyinshi yahise yibaza ubwo burangare bubahejeje mu bukode ati “ Murumva amafaranga mukodesha uko angana,kubera kudaha ibintu agaciro? Bwa mbere mutanze isoko rirananiranye uwo mwaka murakodesheje, bwa kabiri mutanze isoko murakomeje murakodesha. Ayo mafaranga abanyarwanda barimo batakaza azabazwa nde?”

Yakomeje agaragaza ko kuri 20% yahawe rwiyemezamirimo nka “Avance” agera ku 10% akeka ko yaba ari ruswa kuko bitumvikana ko baha isoko umuntu uzwi muri Leta ko ahemuka.

Yagize ati “Koko iyo ubonye isoko ryatanzwe mbere rikananirana,rishobora kunanirana ryabuze uwo bariha, bwa kabiri mukariha umuntu udashoboye, iyo batanze 20% agera ku 10% aba ari ‘ruswa'.Muzakore igenzura , arayatanga yagera hagati akananirwa kurangiza,akaba yizeye umuntu hanyuma akabishyira ku ruhande”.

Nkusi yavuze ko Abakozi ba Leta bakwiye kwikuramo ko gutanga isoko ari ‘kado' ahubwo ari Serivisi umuntu atanga, ndetse yavuze ko atari bwo bwa mbere mu Nteko babyumva.Yavuze ko hakwiye iperereza ngo abantu bamenye ikihishe inyuma y'icyo kibazo gihejeje RAB mu bukode.

Ngoma: Abahinzi batishoboye barataka amananiza mu buhinzi

By Ubukungu

Abahinzi batishoboye bo mu murenge wa Sake muri Ngoma bavuga ko bashyirwaho amananiza bagategekwa kugura imbuto n'ifumbire kandi nta bushobozi bafite.

Abo bahinzi bavuga ko baba bashaka kugura ibigori gusa, bakabifumbiza imborera yonyine. Ariko ubuyobozi bwo bukavuga ko abahinzi bakoze ibyo umusaruro wagabuka. Ni ngombwa ko ngo bafumbiza imvaruganda kugira ngo umusaruro wiyongere.

Uwamurera Donathile, umwe mu bahinzi, avuga ko yangiwe kugura imbuto y'indobanure kuko atari aguze ifumbire mvaruganda.

Yagize ati “Njyewe ubu ndimo guhinga ibigori bisanzwe nejeje nabitseho imbuto kuko biriya byiza bagurisha byarananije ndabireka. Ndi umukene nagiye kugura ibigori bantegeka ngo ngure umufuka w'ifumbire mvaruganda kandi ntayo (amafaranga) mfite! Njye nashakaga imbuto y'ibigori yenda bakampa n'ibiro bibiri by'iyo mvaruganda gusa. Ubundi nkazakoresha imborera ariko baranze.”

Ifumbire mvaruganda abahinzi basabwa kugura ni iyitwa DAP na UREA. Mu rwego rwo korohereza abahinzi kugura iyo fumbire, Leta ibishyurira ½ cy'amafaranga ayiguze.

Ubuyobozi bw'umurenge wa Sake ntibwemerera abahinzi kugura imvaruganda ku bilo. Bemerewe kugura umufuka wose w'iyo fumbire, ungana n'ibilo 50. Ifumbire mvaruganda ya DAP igura 410FRw ku kilo naho iya UREA igura 355 FRw ku kilo. Imbuto y'ibigori abahinzi basabwa kugura, yo igura 310FRw ku kilo.

Abo bahinzi bahera aho bavuga ko batabona amafaranga yo kugura imifuka y'ayo mafumbire n'imbuto y'ibigori. Bavuga ko bahinga mu mirima baba bakodesheje. Bagahamya ko baramutse bafashe n'ideni muri banki ryo kugura iyo fumbire, batabasha kuryishyura.

Umuyobozi w'umurenge wa Sake, Mukayiranga Gloriose, avuga ko imbuto n'ifumbire bitangwa ku bahinzi hakurikijwe ubuso bagaragaje bashaka guhingaho. Agira ati: “Ntibikwiye ko hagira ugabanya ifumbire kuko uba ugabanije umusaruro. Ukoresheje ifumbire nke yeza bike akadindiza gahunda yo guhuza ubutaka ngo basarure byinshi ku buso buto.”

Akomeza avuga ko abahinzi bubahirije ayo mabwiriza beza toni esheshatu z'ibigori kuri hegitari. Abatayubahirije bo ngo beza toni eshatu gusa.

Abahugukiwe iby'ubuhinzi bavuga ko ushaka guhinga kimwe ½ cya hegitari, agura ibilo 50 bya DAP n'ibiro 24 bya UREA. Byose hamwe byatwara arenga ibihumbi 29FRw, amafaranga abahinzi bamwe bo muri Sake bavuga ko batabona.

Zimbabwe: Abakozi ba Leta 2,500 bari mu kangaratete ko kwirukanwa

By Ubukungu

Guverinoma ya Zimbabwe yatangaje ko ishobora gusezerera abakozi bagera ku 25,000 mu rwego rwo kugabanya amafaranga agenda ku mishahara y'abakozi. Ibi bigiye gukorwa mu gihe igihugu kiri mu bihe bikomeye by'ubukungu no guta gaciro kw'ifaranga.

Ubwo yari imbere y'inteko ishinga amategeko kuri uyu wa Kane, Minisitiri w'imari Patrick Chinamasa yavuze ko leta isohora 97% by'amafaranga yinjiza yose akagenda ku mishahara. Avuga ko ayo mafaranga bashaka kuyagabanya nibura umwaka utaha akagera kuri 75%.

Umwaka ushize Chimanasa nabwo yatanze icyo cyifuzo ariko cyamaganwa na Guverinoma. Ikidi kandi mu mezi ashize Leta yagiye ikererwa kwishyura imishahara y'abakozi cyane cyane abarimu, abasirikare ndetse n'abaganga, ibintu byateje uburakari bukomeye mu bakozi ba Leta ndetse bamwe bakirara mu mihanda bigaragambya.

BBC dukesha iyi nkuru itangaza ko nibura mu myaka icumi ishize, sosiyete z'ubucuruzi zigera ku bihumbi icumi zafunze imiryango muri Zimbabwe kubera ibibazo by'ibihombo by'urudaca.

Kigali: Kuki abazunguzayi b'abanyamahanga bo badahagurukirwa?

By Ubukungu

Mu gihe Abanyarwanda bakora ubuzunguzayi bakomeje kwamaganwa ndetse n'ufashwe akamburwa ibyo yacuruzaga rimwe na rimwe akanafungwa, abakora ubwo bucuruzi baravuga ko ibi bikomeje gukorerwa Abanyarwanda gusa, nyamara abanyamahanga bakora ubu bucuruzi ntihagire n'umwe ubatunga agatoki.

Abakora ubucuruzi ubuyobozi bw'umujyi wa Kigali buvuga ko butemewe (abazunguzayi) baravuga ko bababajwe no kubona Abanyarwanda bavukiye mu Rwanda, ari bo bamburwa ibyo bacuruza ndetse bakanakubitwa nyamara ngo abanyamahanga bakora ubu bucuruzi bo ntihagire n'umuntu n'umwe wabavuga, dore ko nabo baba bacuruza ku mihanda ndetse n'ahandi hantu hose hahurira abantu benshi.

Aha aba bazunguzayi batanga urugero ku Bamasayi baba bacuruza inkweto mu mujyi wa Kigali, bakagera aho babonye hose ariko ugasanga nta muntu ucunga umutekano ubabuza gukora ubwo bucuruzi cyangwa ngo abake ibyo bacuruza.

Ibi ngo biri mu biri kubabaza aba banyarwanda bavuga ko bakubitwa n'inzego z'umutekano umujyi wa Kigali washyizeho ngo zamagane abazunguzayi.

Aba bazunguzayi bibaza uburyo umunyarwanda yakwirukanwa akanakubitwa ndetse akitwa umwanda mu gihugu cye ari gukora ubucuruzi agira ngo atunge umuryango we atagiye kwiba cyangwa ngo yishore mu zindi ngeso mbi, nyamara umunyamahanga we ntibagire icyo bamutwara.

Aha kandi bibaza niba Abanyamahanga ari bo bemerewe gukora ubucuruzi nk'aho Abanyarwanda bo badakeneye kubaho neza.

Gusa ku ruhande rw'umujyi wa Kigali, umuyobozi w'akarere ka Nyarugenge wungirije ushinzwe ubukungu Nsabimana Vedaste yabwiye Royal Fm ko nta muntu n'umwe wemerewe gukora ubwo bucuruzi ngo kuko itegeko ryemerera abashinzwe umutekano gufata ukoze ubucuruzi butemewe wese.

Nyamara n'ubwo bimeze bityo, iyo witegereje akenshi abazunguzayi b'Abanyarwanda bakunze gufatwa n'abacunga umutekano umujyi wa Kigali washyizeho, aho usanga rimwe na rimwe aba bazunguzayi bakubitwa ndetse bakanamburwa ibyo bacuruza. Ku rundi ruhande ariko nta na rimwe harumvikana uwitwa ngo ni umunyamahanga wambuwe ibyo acuruza kandi bigaragara ko bose baba bari gucuruza, dore ko abenshi baba bacuruza inkweto, nyamara hari n'abanyarwanda baba bazicuruza.

Hasohotse iPhone 7 igwa mu mazi ntipfe, ibyo ukwiye kuyimenyaho

By Ubukungu

Sosiyete ya Apple yatangaje ko yasohoye telefoni ‘iPhone 7' ku wa Gatatu, izanye udushya tutari dusanzwe mu zindi iPhones zayibanjirije.

Iyi telefoni ntigira umwobo ucomekwamo utwuma tw'amatwi (headphones/ecouteurs) ahubwo izasohokana na ekuteri zayo zihariye zidakenera insinga (wireless). Zishobora kuzatangira kugurishwa mu mpera z'uyu mwaka ku giciro cy'uruganda cy'amadorali 159.

Abashaka gucomeka ekuteri zisanzwe kuri iyi telefoni bazakoresha agahuza (adaptor) kazajya gasohokana nayo.

iPhone 7 kandi ushobora kuyijugunya mu mazi igakomeza gukora nk'ibisanzwe. Bivuze ko ushobora kuyibagirirwa mu myenda ukayimesa , cyangwa ikagwa mu ndobo y'amazi ntipfe; gusa iguye nko mu mazi menshi nko mu mugezi, piscine cyangwa ikiyaga imara iminota mike cyane igapfa.

Yasohotse iri mu mabara atanu, iroza rivanze na zahabu, zahabu, umuringa, umukara n'umukara wijimye cyane.

Izatangira kugurishwa ku madorali 649 (igiciro cy'uruganda) naho iPhone 7 Plus (nini kurushaho) igure amadorali 769.

iPhone 7 Plus izaba ifite camera y'inyuma ifite indorerwamo ebyiri kugira ngo igire amafoto meza kandi umuntu ashobore gufotora ikintu kitamwegereye. Izasohoka ifite ububiko bwa GB 32, GB128 na GB 256.

Rubengera: Nyuma y'ikiryabarezi, hadutse urundi rusimbi

By Ubukungu

Nyuma y'inkundura y'umukino w'amahirwe wamamaye ku izina ry'ikiryabarezi, abaturage bavuga ko wahombeje benshi, ubu noneho mu mu murenge wa Rubengera mu karere ka Karongi, hadutse umukino w'urusimbi bakunze kwita “Akazungu Anarara." Gusa uyu mukino nawo abaturage barawamaganira kure bavuga ko ukwiye gucika kuko ubahombya.

Uyu mukino ugizwe n'amakarita atatu, imwe isa ukwayo. Ukina asabwa gutanga amafaranga, agakurikirana ucanga amakarita, yafindura aho ikarita idasa n'izindi iri, agakubirwa kabiri amafaranga yatanze, yatsindwa akayahomba.

N'ubwo ntawerura ngo yemere ko akina uyu mukino, Maniragaba Alphonse umwe mubo twasanze iruhande rw'aho ukinirwa, avuga ko abona benshi bahahombera amafaranga bari gukoresha ibindi.

Yagize ati: “Dore nk'ubu hari uwo bamaze kurya ibihumbi bitanu yari agiye kwishyura mituweli, ubu se arasubira mu rugo abwira ngo iki umugore?”

Uwimana Immaculée avuga ko abona uyu mukino ari ubujura, kuko ntawe arabona uwutsinda. Avuga ko ubuyobozi bukwiye guca imikono nk'iyi kuko iteza ibibazo abaturage, igihe batungutse uko babyifuzaga.

Niyomugabo umwe mu bacanga aya makarita, avuga ko asanga nta kibazo, uyu mukino uteye, kuko umuntu ashobora kugerageza amahirwe akareba ko atsinda. Ati: "Ntawe mpatira gushyiraho ibye, kandi erega na Yesu yatubuye amafi, sinjye mutubuzi wa mbere. Ukurikiye neza ararya akunguka.”

Ndayisaba Francois, umuyobozi w'akarere ka Karongi, avuga ko nta minsi ishize bamenye amakuru kuri uyu mukino. Avuga ko agiye gusaba inzego z'umutekano kubafasha kuwuhagarika.

Ati: "Ngiye kubwira polisi, inkeragutabara na Dasso, dufatanye tubirwanye, ariko tunashishikariza abaturage kwirinda gukomeza kuhatakariza amafaranga, kuko hari aho mperutse gusanga umugore bamaze gutwara ibihumbi 5000 yari agiye guhahisha.”

Uretse kuba umukino w'urusimbi utwara amafaranga abaturage, unabatwara umwanya kuko aho ukinirwa hahora hahagaze abakina n'abareba uko ukinwa.

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