Murakoze amakuru yisi yose, inzira yo guhana amakuru hagati yamasosiyete yimari yarahohoga cyane. Kandi kugaragara kwimiterere nka Bki byatumye bishoboka kongera inguzanyo. Ubufatanye bwuzuye bw'abakiriya hamwe na banki zizwi muri iki gihe birashoboka gusa niba hari izina ryiza ryubucuruzi. Kubura amateka yinguzanyo ntabwo aricyo kimenyetso cyerekana ubupfura cyabagurijwe, kandi gishobora, ku rundi ruhande, kuberako kiba impamvu yo kwanga amafaranga. Nigute ushobora gukemura ikibazo?
Ihitamo Umubare 1: "MFO Gufasha"
Ubu buryo buzahuza abo bahawe inguzanyo biteguye gufatanya na MFIS. Amashyirahamwe nkaya yemera gusaba inguzanyo haba kumurongo no mubiro byabo. Kubungabunga kure muri iki gihe birazwi cyane kuko byemerera ibikorwa byose utavuye munzu. Imiterere y'ibanze yo gucuruza neza ni ukuboneka kuri interineti.Ubu bwoko bwo gutera inkunga nibyiza kuko:
- Ntabwo bitwara isaha imwe;
- Gukoresha serivisi za MFI birashobora gukoreshwa mu karere kose k'igihugu;
- Kuguriza ibintu byoroshe bishoboka (ntakintu gisabwa nuwagurijwe, usibye pasiporo);
- Amafaranga arashobora gushimwa kubisabwa kubakiriya ku ikarita, igikapu cya elegitoroniki, cyangwa koherezwa muri sisitemu yo guhindura ako kanya (bitewe n'amahitamo isosiyete yatoranijwe itanga);
- Ndetse n'abakiriya badafite amafaranga ahoraho bashobora kwifashisha inguzanyo kumurongo, cyangwa nta mahirwe yo kwemeza inyungu zijyanye n'icyemezo kiva mu ibaruramari.
Ni ngombwa: Kugirango ukore amateka yinguzanyo, birakenewe kwegera guhitamo inguzanyo kumurongo bishoboka. Banki Nkuru itegeka amashyirahamwe y'imari iciriritse yashyizwe mu gitabo, tanga amakuru kuri Bka. Niba isosiyete wahisemo ntabwo iri murutonde rwabigenewe, nibyiza kwanga gucuruza.
Ihitamo nimero 2: "Ikarita nyabagendwa"
Byerekeranye no gutera inkunga, nka banknote inoti. Ubu bwoko bwo gutanga inguzanyo bungana ninguzanyo zisanzwe, kubera ko amakuru yerekeye ibikorwa nkibi bigaragarira muri raporo ya BKA.
Ikarita y'inguzanyo irahari kuri buri wese. Kugirango ubone amafaranga, uwagurijwe agomba kubahiriza ibipimo runaka. Hariho amahirwe ko utazakora nk'ikarita ya pulasitike muri banki nini kuva bwa mbere. Muri iki kibazo, byumvikana kuvugana numuryango muto. Kugira ngo woroshye uburyo bwo guhitamo, inzobere zahisemo amakarita meza y'inguzanyo kuri wewe kandi ukabashyira mu bubiko bwihariye.
Mubyiza byubu bwoko bwo gutanga inguzanyo:
- kuba hari igihe cy'ubuntu;
- uburenganzira bwo gukoresha igice cy'amafaranga gusa;
- Ubushobozi bwo kuzigama, tubikesha inyungu zidasanzwe.
Birashoboka cyane, umubare wambere uzaba muto. Ariko, niba ukoresha "ikarita yinguzanyo" buri gihe, kandi uzimya buri gihe, banki izongera imipaka. Guhamagarira buri gihe ibikoresho byisosiyete bizagufasha guhita ukora amateka yinguzanyo.
Ihitamo nimero 3: "Banki Nshuti"
Niba utagomba kubara ashyigikiye amasosiyete akomeye yinguzanyo, urashobora kugerageza gukora inguzanyo muri banki izwi. Ibigo nkibi birakora cyane kugirango byagure umukiriya, ahubwo ureba ibihe byinshi. Kubura amateka yinguzanyo nimwe murimwe. Birashoboka cyane, amafaranga yemewe azaba mato, ariko nyuma, niba kwishyura bizaba nta byarengeje, uyu mukiriya yiteze ko arebye ibintu byateganijwe hamwe nimipaka yagutse.Ihitamo Umubare 4: "Guhabwa Byinshi Byikunzwe"
Ubundi buryo bwiza bwo gukora amateka yinguzanyo ni ugushushanya inguzanyo kugirango ugura ibicuruzwa mububiko, i.e. inguzanyo z'ibicuruzwa. Ubu ni uburyo bworoshye kandi bwihuse bwo kubona amafaranga yifuzwa. Amasezerano yasojwe n'abakozi ba Banki izwi cyane. Ibihe byo gutangiza ibikorwa nkibi, nkibisabwa, ntukarenge amezi 12.
Inyungu nyamukuru yinguzanyo yibicuruzwa nuko kugirango ugere kubisubizo byifuzwa, birahagije kugura ikintu kidahenze cyane. Ikintu nyamukuru nuko kwishyura bikorwa mugihe gikwiye kandi byuzuye.
Ihitamo nimero 5: "yatanze ibikorwa"
Amabanki ashimira abakiriya badatekereza kwemeza imigambi yabo ikomeye nibikorwa byihariye. Niba kandi witeguye gutanga umuhigo ibintu byingirakamaro, birashobora kugira ingaruka zikomeye ku cyemezo cya sosiyete y'inguzanyo. Ibinyabiziga bikunze gufatwa nkibishoboka. Ibintu bitimukanwa byiyemeje cyane cyane, kubera ko hari ibintu byiza cyane kubisuzuma.
Hanyuma : Ntabwo "gerageza" uburyo bwose bwavuzwe haruguru. Buri rubanza rwo kujurira ikigo cy'inguzanyo cyanditswe muri raporo ya Bka, kandi ibikorwa byawe ntibishobora kuganisha ku bisubizo utegereje.