Tugambiriye uburwiyemezamirimo buhamye mu Rwanda №1/2014 Ibirimo: Ibirimo: Indangagaciromu mubikorwa bikorwabibyara bibyara ……Indangagaciro inyungu:Aho Ahosisiubudabagizi? ubudabagizi? inyungu: Ubeshyaaba abayibeshya! yibeshya! ……Ubeshya Esekoko kokoukuri ukurininiingenzi ingenzimu muiterambere iterambere ……Ese ry’ibikorwabyanjye? byanjye? ry’ibikorwa Indangagaciro mu bikorwa bibyara inyungu: Aho si ubudabagizi ? Alice Nkulikiyinka Umuyobozi mukuru wa BPN Rwanda Urebye wihuse, indangagaciro sizo zagombye kuba shinganwa kuri rwiyemezamirimo. Hari byinshi bindi bihangayikishije kurusha icyo: Iyi si iragoye, kugira icyo ukora kikwinjiriza inyungu byo birahambaye. Rwiyemezamirimo ushaka guhagarara yemye ku isoko agomba guhangana n’ibintu binyuranye, aharanira ibye. Birumbikana ntuzahutaza abandi cyangwa ngo ukore ibigayitse kugirango ukunde ubigereho, aliko rimwe na rimwe bizasaba gufata iya bugufi. Utikunze kubulyo bwubaka, waba ahali witeze kuba umutagatifu. Mubyukuri wahomba burundu! Ni ba rwiyemezamirimo bacye babihagararaho mu ruhame, ariko benshi uzumva bahamyako nabo bibareba. Mu gihe ibikorwa byawe bitangiye gutera imbere, utekereza ko kugendera ku ndangagaciro bigusaba imbaraga n’igihe udafite. Ariko iryo ni ikosa mu mitekerereze. Indangagaciro ntabwo ari ikintu cy’inyongera ushobora kwiyemeza gukoresha igihe uzabonera ko gikenewe, nka zahabu utabasha kwigondera muri aka kanya. Indangagaciro si umutako ahubwo ni ipfundo ry’ibikorwa byawe. Indangagaciro, buri gihe zibana n’ibikorwa biyara inyungu. Address: P.O. Box 70 83, Kigali; KG 684 st. 37 Reka dufate urugero ryo kwita ku uje akugana (customer care). Magingo aya, ba rwiyemezamirimo hafi ya bose, bazi akamaro ko kwita ku uje akugana. Na none, abenshi mu bagana ibigo, bazakubwirako kwita ku uje akugana ku buryo bukwiye bikibura mu Rwanda. Nonese n’iki kitagenda? Unaze ijisho kubyo kwita ku uje akugana isaba, bisa nk’aho byoroshye: uwakira abaje, agomba kuba aseka; ibicuruzwa byawe bigomba kuba bigaragara neza; buri gihe ubwira abaje bakugana uti 'murakaza neza’, mbafashe iki’, cyangwa 'murakoze',... None, ni gute byaba bigoye? Ibanga ni uko kwita ku uje akugana bitagomba guhagararira kubigaragarira amaso. Icy’ingenzi, ni igikorwa muri uko kumwitaho. Kuri rwiyemezamirimo, ntabwo bihagije gutekerereza uje akugana icyo akeneye, ngo abe aribyo ukora. Ahubwo, kumutega amatwi neza, ukamukorera icyo yifuza. Nta ndangagaciro, kwita ku uje akugana ni agakingirizo. Kwita ku uje akugana bya nyabyo bitangirana no kumva ko uje agusanga wese agomba agaciro ke. Abaje bagusanga bahita babibona. Mu gihe bumva ko bubashywe kandi bahawe agaciro, bazaku-menyekanishiriza ibikorwa ku buntu. Ku bw’ibyo rero, indangagaciro si ukugira amahame y’ubumuntu gusa, ahubwo bijyanye no kugira imikorere inoze. Hari izindi ngero nyinshi zitandukanye. Iyo utishyuye abakugemurira, utakaza igihe kinini n’imbaraga utekereza ku cyo uri buba-beshye nibaza kukwishyuza. Tel.: +250 78 61 30 386 www.bpn.rw Email: [email protected] Iyo uryamira abakozi bawe, bizagusaba guhora ubagenzura mu byo bakora kuko buri gihe bazajya bagerageza gushaka inyungu zabo bwite. Mu gihe ubeshye uje akugana ukamuhenda byikubye kabiri, igihe runaka azagaruka aje kukugaya kandi isura yawe izahangirikira. Iyo utishyue inguzanyo ufite, uko ibihano by’ubukererwe byiyongera, ni ko uguhangayika kwawe nako kwiyongera. Gukora nta ndagagaciro bishobora kugira akamaro mu gihe cya bugufi, ariko nta kamaro kabyo ku buryo burambye. Ariko nanone wakwibaza uti, niba indangagaciro zifite akamaro, kubera iki twese tutazikoresha? Byongeye kandi, twese tuzi abantu bamwe na bamwe kugendera ku ndangagaciro kwabo bikemangwa, ariko bagakomeza kugera ku ntsinzi yaba nto cyangwa nini. Kandi rero indangagaciro ziteza ibibazo. Niba mucyeba wawe yishyura amafaranga 1200 RWF ku munsi ku bakozi be kandi akabakoresha amasaha 14, ni gute wakwishyura 2500 RWF ku masaha 8? Ese byo ntibyaba ari ubudabagizi? Nibyo koko ntibyoroshye kugendera kundangagaciro buri gihe. Mu gihugu nk’u Rwanda ho binakomenye kurushaho. Amartya Sen wabonye igihembyo cya Nobel price mu by’ubukungu, yasanze ko mu ibihugu ibikorwa bibyara inyungu bidahamye, usanga akenshi nta muco wo kugendera ku ndangagaciro uharangwa. Impamvu n’uko bitwara igihe kubaka uwo muco. Iyo ari wowe wenyinye rwiyemezamirimo mu gihugu ugerageza kuba impfura no kugira ubuntu, ntibitinda ko abantu bakuryamira. Bityo, kugira indangagaciro bikaba nk’inzira iganisha ku guhomba. Mu mibanire, iki kibazo giteye nk’ikijya kiba ku mfungwa. Ni nk’igihe polisi ifashe abantu babiri bakekwaho icyaha (ariko police idafitiye ibimenyetso) hanyuma ikabafungira ahantu hatandukanye ikabasaba kuvuga uko byagenze. Address: P.O. Box 70 83, Kigali; KG 684 st. 37 Iyo bahitishijwemo "kuvuga ko mugenzi wawe yakoze icyaha muregwa, ugabanyirizwa ibihano. Utabyemeza, mugenzi wawe akabihamya ugahabwa igihano gikarishye kurushaho’’. Ku nyungu zawe, utitaye ku byo mugenzi wawe ari buvuge, bituma umugambanira. Ubundi, igisubizo kiboneye n’uko bose babihakana. Ariko ntibyagerwaho mu gihe bose barimo kwitekerezaho buri umwe ku nyungu ze. Ibi rero, ni kimwe no ku bijyanye n’indangagaciro mu bikorwa bibyara inyungu. Niba buri wese atari inyangamugayo, bikugushamo kuba yo kuko abantu bazakuryamira. Ariko mu gihe abantu bose baba babaye inyangamugayo, bigira inyungu kuba umuhemu mu gihe cyose wabasha kuryamira abandi. Rero, uciye mu nzira yo kwikunda, buri gihe bigira akamaro kuba umuhemu. Ariko mu gihe buri wese yaba atekereza atya, bitinde bitebuke bizaba umwaku kuri bose. Mu kwanzura, igihe cyose ushaka kuba rwiyemezamirimo ugera ku ntsinzi, ukeneye kuba umwe muri sosiyete igendera ku ndangagaciro. Kandi niba mwifuza kuba sosiyete igendera ku ndangagaciro, nta yindi nzira uretse kugira indangagaciro wowe ubwawe. Mu yandi magambo, niba tutubakiye ku kizere no guhagarara ku ijambo, ibikorwa byacu bizahora bidindira ntibi-nagire agaciro. Ku bw’izo mpamvu zose, imikorere ya BPN ishingiye ku ndangagaciro. Bitari gusa ko aricyo kigomba gukorwa, uhubwo ko aribwo buryo bwonyine bwo kubaka ku buryo buramye. Mu guhitamo ba rwiyemezamirimo, indangagaciro zibaranga ni kimwe mu byo BPN iha agaciro. By’akarusho, BPN ihugura kandi agafasha ba rwiyemezamirimo kwimakaza indangagaciro mu bikorwa byabo. Ishimire kuba rwiyemezamirimo ukorana na BPN. U Rwanda ni wowe rwiringiye. Tel.: +250 78 61 30 386 www.bpn.rw Email: [email protected] Félicité Nyampundu Ushinzwe amahugurwa BPN Rwanda Ese koko ukuri ni ingenzi mu iterambere ry’ibikorwa byanjye? Gukoresha ukuri bivuga guca ukubiri n’uburiganya mu byo ukora cyangwa uvuga. Bikomoka ku ijambo ry’ikiratini ‘honestus’ rivuga ‘Icyubahiro’. Mu yandi magambo, icyubahiro no gukoresha ukuri birajyana. N’ubwo bimeze bityo, ba rwiyemezamirimo benshi, babigurana amafaranga. impagarike y’ibikorwa bye, bityo ikigo cye cyose cyugarizwe. Birashoboka ko ahenda bikazatuma abaguzi bigira kwa mucyeba, cyangwa agakora ishoramari buhumyi. Ibi bituma kandi, abamugurije bamutakariza icyizere mu gihe imibare ye ifefetse, barusheho gukaza kumufatira imyanzuro imuvuna. Gukoresha ukuri bigira uruhare nyamukuru mu buzima bwa buri munsi bw’ikigo. Gukoresha ukuri bijyana no guhemba abakozi imishahara utabaryamiye, kwishyura ku gihe abakugemurira no gutanga imisoro. Izi nshingano zose zijyanye n’amafaranga. Mu mitekerereze ya bugufi, bigaragara nkaho ayo mafaranga ikigo kiba kiyabuze kandi kiyakeneye mu bikorwa byacyo. Mu gutekereza ku buryo burambye, kubaka ibikorwa birambye bisaba gushora imari. Bisobanura: “gushora nta nyungu y’ako kanya utegereje”. Burya no kwita ku muguzi (customer care) bijyana no gukoresha ukuri. Bamwe bavugako kwita ku muguzi ari ibinyamahanga byituye ku banyarwanda kubera umuvuduko uri mu iterambere. Ariko bakibagirwako ko kwita ku muguzi bifite imizi mu “Urugwiro”, indangagaciro nyarwanda y’ingenzi aho ugomba kwakirana ubwuzu ukugana. Iyo umukozi arimo abwira umuguzi ngo: “Simbizi”, “Si njye ubishinzwe”, aba adakoresha ukuri. Ashobora kwitwaza ko akazi akora gasuzuguritse. Kubwanjye, ndemezako imyitwarire nk’iyi ijyanye no kuticisha bugufi. Dukeneye kuba abanyakuri kandi tukamenya aho tudakwiye kurengera. Ubu nibwo buryo bwonyine bwadufasha kwigira ku makosa, tukikubita agashyi. Dutange ingero: Mu gihe rwiyemezamirimo yimitse gukoresha ukuri, bimufasha gufata inshingano ku bakozi be. Mu by’ukuri niba rwiyemezamirimo adakoresha ukuri ku bakozi be, ni gute yakwitega ko abakozi bakoresha ukuri kuli we, hagati yabo cyangwa se ku baguzi? Nk’uko umuvugabutumwa w’umwongereza icyamamare Charles Haddon Spurgeon yabivuze: “Kuba intangarugero bigira uburemere kurusha gutanga amabwiriza”. Rwiyemezamirimo akeneye kuba umunyakuri: akamenya icyo ashaka, uruhare ikigo cye cyagombye kugira, imbaraga, intege nke n’aho ubushobozi bwe bugarukira. Mu bijyanye n’imari, gukoresha ukuri nabyo ni ngombwa. Mu gihe rwiyemezamirimo akoresha raporo z’imari zipfuye, bizatuma imyanzuro afata nayo iba idakwiye. Ntazigera amenya by’ukuri Address: P.O. Box 70 83, Kigali; KG 684 st. 37 Ibanga ni rimwe. Iyo utitwaye neza hakiri kare mu mwuga wawe, nuhabwa inshingano zihambaye kurushaho, sibyo bizatuma uhinduka. Imirimo yose ihuriye kuli kimwe: Kwiyemeza. Nta kindi! Iyaba igihugu cyose cyari cyuzuyemo umutima wo kumenya ko akazi dukora kagenewe kwita ku bandi no kuba ingirakamaro ku batuye igihugu; iyaba twese twazirikanaga ko dukenerana kandi ko kunyurwa kw’umuguzi ari twe biturukaho, byatuma twese tubyungukiramo. Uko ukuri gukoreshwa nibyo bitanga isura y’ikigo. Amahugurwa ya BPN aguha impamba ku buryo bwo kunoza ibikorwa byawe ugendeye ku ndangagaciro. Icire inzira. Tera intambwe ujya imbere! BPN Rwanda ikuri inyuma! Tel.: +250 78 61 30 386 www.bpn.rw Email: [email protected] Brigitte Uwamuranga Umudozi w’umwuga Gasabo- Kigali Ubeshya aba yibeshya! Akenshi muri business, umuntu yibwira ko akeneye amafaranga menshi kugirango igende neza, bigatuma yirukira gufata credit ya Bank atatekereje neza uburyo bwo kwishyura; cyane cyane ko no gufata iyo credit, umuntu aba atavugishije ukuri uburyo azayikoresha, kuko nta ruhare aba yagize mu gukora business plan. Ntaba yumva n’uburyo azakora ngo yishyure iyo credit. Kuko aba akeneye amafaranga mbere y’ibindi, nta n’umwanya wo kubitekerezaho aba afite. Amafaranga rero iyo uyabonye hari igihe wibagirwa ko atari ayawe, ukabanza kwikenura, wakwibuka ya business wasabiye credit ugasanga amafaranga wayakoresheje ibitari ngombwa kandi igihe cyo kwishyura kikaba kirageze. Ni uko byangendekeye ubwo nafataga amafaranga ya banki, aho kuyakoresha uko nabivuze nyashora mu bindi ndahomba, business yange irahomba, n’ibyo nakoreye mbere birahomba nsigara ntakintu na kimwe nsigaranye.Nari naniwe ntazi icyo ngomba gukora. Muri njye nashakaga guhagarika byose ariko nkibaza uko nzabaho, icyo nzatungisha abana, nibwo nahuye n’inshuti imbwira ikigo cy’Abasuwisi gifasha ba rwiyemezamirimo kikabatera inkunga. Muri njye sinashakaga gufata credit, ahubwo nifuzaga umuntu wamfasha kongera kubura umutwe ariko ntahereye kuri credit. Ni uko ninjiye muri BPN. Mpageze, nsanga baravuga ibitandukanye n’ibyo abandi babwira ba rwiyemezamirimo, aho babumvusha ko nta kindi cyazahura business yabo uretse credit. Nsanga bo baragira inama ba rwiyemezamirimo kwirinda gufata credit utabitekerejeho bihagije, babanza kuguhugura muri Address: P.O. Box 70 83, Kigali; KG 684 st. 37 business yawe, bakakwigisha kwikorera business plan, ukamenya neza niba ntazindi mbaraga wakoresha ngo uzamure business yawe, wabona koko ukeneye credit ukaba uzi neza uburyo uzayikoresha n’uburyo uzayishyura bitakugoye. Maze kujya mu mahugurwa ya BPN, nasubije amaso inyuma nsanga ari njyewe ubwanjye wiyiciye business kuko amafaranga yose nakoreraga yabaga ari ayange nkayakoresha muri gahunda zange za buri munsi (famille, inshuti…). Ariko ubu, ibitekerezo n’imikorere byarahindutse. Ubu ndimo ndatandukanya business n’ubuzima busanzwe, ntibyoroshye ariko birashoboka. BPN yanyigishije ko kugira imbaraga zo gutera imbere nkaba rwiyemezamirimo w’umwuga mpereye kubyo mfite bishoboka, kandi nibyo! Inama nagira rwiyemezamirimo uri muri business n’uzayitangira, ni ukubanza kwibwiza ukuri mbere na mbere, ukamenya ko amafaranga ya business atari ayawe ahubwo ari aya business, n’ubwo igishoro cyaba ari icyawe cyangwa ari nta credit irimo. Kuko iyo ufite intego, haraho ushaka kuzagera, icyo kigo n’imbaraga zawe wagishyizemo (umutungo wawe, igihe, famille...) nibyo bizakugeza aho ushaka kugera. Ikindi, ba rwiyemezamirimo dukangukire kwitabira amahugurwa yo gucunga business zacu kuko adufasha kumva neza icyo business ari cyo. Nge ku giti cyanjye nakwingingira ba rwiyemezamirimo kugerageza BPN nibura kugirango bakurikire amahugurwa yabo, babone itandukaniro, kuko njyewe niho nafashirijwe. Tel.: +250 78 61 30 386 www.bpn.rw Email: [email protected]
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