Nigitekerezo ko atari inyungu gukoresha inguzanyo, kuva gusubiza banki cyangwa izindi mbogamizi kubindi byakiriwe. Ariko hariho uburyo bufasha kubona ibyifuzo byinguzanyo hamwe nibihe bidasanzwe. Ihitamo ryiza rizaba inguzanyo yubuntu, nibyiza gushidikanya kubaho kubicuruzwa nkibi.
Uyu munsi hari amahitamo menshi yo kubona inguzanyo yubusa kandi mbere ya byose birakwiye ko yita ku makarita adasanzwe akwemerera kwishyura serivisi n'ibicuruzwa, hanyuma wishyure umwaka umwe. Amakarita nkaya yitwa "umutimanama" kandi ntaramenyera cyane mu Burusiya. Ingaruka zamakarita nkaya nuko izakoreshwa gusa niba iduka ari umufatanyabikorwa wa banki yatanze ibice nkibi. Analogue "umutimanama", ni ikarita yanditseho izina "Halva".
Inguzanyo itandukanye yinyungu ni amakarita yinguzanyo hamwe nigihe cyateganijwe. Muri uru rubanza, koresha amafaranga ya banki, kandi ntuyishyure, ntushobora kuramba. Igihe cyubuntu mubisanzwe ntirurenga iminsi 60. Guhitamo ubu buryo mubisabwa kuri OneCRED.ru, ni ngombwa kwiga kubara neza intangiriro yigihe, kuko ntabwo buri gihe ibarwa itangira kuva kumunsi inguzanyo.
Abagurisha barashobora kureshya umukiriya ubwabo, batanga ibice-kubuntu. Bose ni ibara ryiza, bagakora ibarwa imbere yabakiriya. Ibintu byose birakorwa vuba kandi byunguka ko nibitangaje cyane bitagira umwanya wo kubara byose, tekereza witonze kandi wemera ko inguzanyo ari inyungu. Ariko biragaragara ko ikiguzi cyibicuruzwa wabonye muri gahunda yo gutanga inguzanyo kubuntu ari bimwe. Itandukaniro riri hagati y'agaciro nyako k'ibicuruzwa n'amafaranga yishyuwe n'umukiriya yoherejwe muri banki nk'inyungu ku nguzanyo.
Inguzanyo zishimishije zirashobora gutangwa na salon yimodoka. Ibyifuzo birashimishije cyane, kandi ntabwo buri gihe uwaguririza muri uru rubanza akora ubushakashatsi kuri gahunda yinguzanyo, dushaka kubona inyungu. Gufata ibyifuzo nkibi mubisanzwe biri mubyo ari ngombwa guhita twishyura umusanzu wambere mubunini bunini, kugirango twishyure amafaranga n'amafaranga bitandukanye.
Niba usobanukiwe byose neza, inguzanyo zidafite inyungu mubyukuri ntibibaho. Porogaramu, mugihe umubare wo kugura wigabanyijemo ubwishyu utarishyuye, witwa igice kandi, mubyukuri, ni inzira yo kwamamaza ibicucu, muri iki gihe gikoreshwa cyane nimiryango yimari hamwe nabagurisha hamwe nabagurisha. Nibyo ibyifuzo nkibi akenshi ni ingirakamaro bihagije kubahawe inguzanyo, bityo ntibikenewe kwanga gukoreshwa rwose.