Iriburiro - Z'imicungire Y'umutungo
Ubuhinzi/Ubworozi niwo murimo w' ibanze ubyara ubukungu kandi uha akazi umubare munini w' abaturage bo mu bihugu bikiri mu nzira y'amajyambere. Ku rwego rw'isi, imiryango igera hafi kuri miliyoni 450 ikora ubuhinzi/ubworozi nk' umwuga w' ibanze. Abahinzi/ Aborozi bo mu bihugu biri mu nzira y' amajyambere, by' umwihariko abo mu bihugu bikennye harimo n' u Rwanda bahura n' imbongamizi nyinshi zirimo umusaruro muke, kutabona isoko ry' ibyo bejeje, kutagira ibikoresho n' uburyo bunoze mu kwirinda no guhangana n' Ibiza, ndetse no kutagira uburyo buhagije bwo kubona amafaranga.
Mu gihe ubuhinzi/ubworozi aribwo rufunguzo rw' ubukungu muri Afurika buha akazi abagera kuri 55% by' abaturage , 1% gusa by' inguzanyo z' amabanki ajya mu rwego rw' ubuhinzi/ubworozi. Byongeye kandi, muri rusange 4.7% gusa by' abantu bakuze mu byaro byo mu bihugu bikiri mu nzira y' amajyambere nibo babona inguzanyo z' ibigo by' imari byemewe n' amategeko mu gihe 5.9 % gusa aribo bafite konti muri banki, nk' uko bitanganzwa n' ibipimo by' ikigo cya Findex.
Kubasha kugera kuri serivisi z' imari, n' ubwo ubwabyo byonyine bidahagije, ni ikintu cya ngombwa nk' isooko y' ishoramari mu bikorwa by'ubuhinzi/ubworozi, mu kongerera agaciro ibikorwa byo kwita ku musaruro, mu gutuma umuryango ukirigita ifaranga, kubasha kugera ku masoko mu buryo bukwiye no kuzamura uburyo by' imicungire y' ibiza. Kubasha kugera kuri serivisi z' imari kandi bifasha cyane mu guhangana n' ihindagurika ry' ikirere kandi bikongera ubushobozi bwo gukora ubuhinzi/ubworozi budahungabanywa n' ihindagurika ry' ikirere, bityo bikagira uruhare mu kwihaza mu biribwa ku buryo burambye.
Tumaze kubona iyi miterere yose twavuze haruguru, kubw' ibyo rero ubumenyi mu micungire y' imari ni urufunguzo ku bahinzi bafite ubushobozi buke cyane cyane abaherereye mu duce tw' ubucuruzi twagenwe mu kuzamura ubukungu buhamye ku buryo burambye. Iyo abantu bafite ubumenyi mu micungire y' umutungo, uturere tw' ubucuruzi dushobora guteza imbere ubushobozi bwo gucunga umutungo kuko barushaho guha agaciro uburyo bwo kwigenzura no gufata mu biganza uruhare ku bukungu bwabo.
Ku bw' ibyo, izi nyigisho zigamije kugera ku ntego zikurikira:
- Guha umuhinzi/umworozi w' ubushobozi buke ubumenyi buhagije ku kamaro ko kwizigamira, ni gute yakwizigamira, agashora imari
- Gufasha umuhinzi/umworozi w' ubushobozi buke gukurikirana uko imishinga ye itera imbere no kugira uburyo bunoze bwo kubyandika ku buryo yashobora kubigaragariza abaterankunga
- Gukangurira abahinzi/aborozi b' ubushobozi buke agaciro ku gukorera mu mucyo no kuba inyangamugayo igihe umuntu acunga umutungo w' itsinda ry' ubucuruzi