Hirya no hino ku isi imyiteguro yo kwizihiza Noheli n’Ubunani irakomeje cyane ko Noheli ibura amasaha make, mu gihe Ubunani bubura iminsi itageze ku Umunani. Iteka, imyiteguro y’ibirori ijyana no gukoresha amafaranga noneho byagera ku myiteguro yo kwizihiza Noheli no gusoza umwaka bikaba akarusho.
Uretse gukoresha amafaranga mu myiteguro, ibikorwa by’imyidagaduro kandi biri mu bitwara amafaranga ya benshi mu gihe cy’iminsi mikuru kuko haba hateganyijwe ibitaramo byinshi, kwishimana n’inshuti n’ibindi.
Mu Rwanda, Ikigo cy’Igihugu cy’Iterambere (RDB) giherutse kongera amasaha yo kwidagadura mu bihe by’ijoro muri ibi bihe by’iminsi mikuru.
Guverinoma yafashe ingamba zo koroshya amabwiriza yo gufunga utubari, amaresitora, amahoteri, utubyiniro, n’ibikorwa byihariye mu minsi isanzwe ndetse n’iyisoza icyumweru, kugira ngo Abanyarwanda bizihize byimazeyo ibihe by’iminsi mikuru.
Kuva na kera na kare, ibihe by’iminsi mikuru bigendana no kwinezeza, kugura ibintu bishya nk’imyambaro ku bafite uburyo, ibiruhuko, gusohokana n’inshuti nimiryango, gusura abavandimwe n’ibindi byinshi, ibi byose bikaba ari ibitwara amafaranga.
Joselyne Muberarugo, umucuruzi w’imyenda mu Mujyi wa Kigali, avuga ko umubare w’abagura imyambaro ari mu nini, kubera ko abantu bagura ibyo bambara muri iki gihe.
Ati: “Twatangiye kubona abakiriya benshi baza kugura imyenda, amashati, amapantaro n’amakositimu, mu rwego rwo kwitegura ibihe by’iminsi mikuru. Navuga ko bitandukanye cyane n’amezi ashize.”
Akomeza agira ati: “Turizera ko nibura uku kwezi kuzadufasha kugurisha byinshi”, yongeyeho ko ibyo bacuruzaga byikubye kane muri iki gihe hitegurwa iminsi mikuru.
Umuntu umwe yigeze gutebya agira ati: “Mu minsi mikuru abantu baba barimo kurya inkoko, nyuma y’iminsi mikuru ho gato bagatangira kurya ibikomoka ku nkoko nk’amagi, umureti [….] gusa ngo iyo hashize iminsi mike batangira kurya nk’inkoko batoragura ikibonetse cyose.”
N’ubwo yabivuze atebya, nta gushidikanya ko bifite aho bihuriye n’ikoreshwa ry’amafaranga mu minsi mikuru kuko benshi bagorwa no kugira ayo bazigamira ibihe bya nyuma y’iminsi mikuru.
Ibitekerezo by’inzobere ku gukoresha amafaranga neza mu minsi mikuru
Inzobere mu by’ubukungu zivuga ko gukoresha neza no gutegura ibyo umuntu akoresha mu gihe cy’iminsi mikuru, mbere y’icyo gihe, bishobora kugabanya ingaruka.
Mu nama zitangwa n’inzobere mu gucunga amafranga yawe mu gihe cy’ibirori, harimo gushyiraho ingego y’imari ukurikije amafaranga ushobora gukoresha yaba ku mpano, amafunguro, ingendo, n’imyidagaduro. Menya neza ko ingengo y’imari yawe ihuza amafaranga winjiza n’ayasohoka.
Rwubahuka Jean Claude, umusesenguzi w’iterambere ry’ubucuruzi akaba n’umujyanama w’imari avuga ko n’ubwo bidashidikanwaho ko iminsi mikuru ari igihe cy’ibyishimo, ariko ngo ni n’imbarutso ikomeye yo kuba abantu batagaguza amafaranga menshi.
Avuga ko gusesagura mu bihe by’iminsi mikuru bishobora kugira ingaruka zikomeye ku ihungabana ry’umuntu ndetse n’amafaranga.
Ati: “Birenze uko umuntu abona ibintu, kandi bishobora kugira ingaruka ku muryango wose ndetse no ku gihugu. Ikintu cya mbere ni ukuzirikana, mu bijyanye n’imari y’umuntu ku giti cye, ni ukugira ingengo y’imari, yaba iy’umuntu ku giti cye cyangwa iy’umuryango.”
Tegura ingengo y’imari
Rwubahuka avuga ko umuntu agomba gutegura ingengo y’imari nibura amezi atandatu mbere, ariko bigomba kuba ingengo y’imishinga ifatika, ishobora kuba ikubiyemo amafaranga atunguranye, haba kugura impano, ingendo, amafunguro n’imyidagaduro, kandi ukabikomeraho, hamwe no gukora urutonde.
Rwubahuka avuga ko ari ngombwa ko abantu bashyira imbere ibyo bakeneye kuruta ibyo bashaka, kuko bishobora gufasha mu gutandukanya aho gutanga amafaranga akenewe n’aho bitaringombwa.
Tegura icyo kugura
Guteganya icyo kugura mbere ni ubundi bwenge, bivuze ko kugeza ubu ugomba kumenya ibiboneka cyangwa ibizakoreshwa mu gihe cya Noheli n’Ubunani, harimo n’ibyo ushaka gukoresha ku mpano.
Nubwo ari byiza gutekereza ku bandi no gutanga impano, ibi ntibigomba gutwara amafaranga y’ibintu by’ingenzi nk’amafaranga y’ishuri, ubukode cyangwa andi mafaranga agomba gusohorwa mbere y’umwaka.
Ati “Niba wumva ufite ubuntu, tekereza gusangira n’abantu bakeneye ubufasha, aho gusesagura cyangwa guha impano abantu badafite icyo babuze, kereka niba ari mpa nguhe.”
Impuguke mu by’imari ivuga ko atari byiza gufata inguzanyo kugira ngo wishimishe mu bihe by’iminsi mikuru. Ntabwo ari ngombwa kuko biba bizagusigira ideni no kwishyura hiyongereyeho inyungu nyinshi mu mwaka utaha.
Agira ati: “Urabizi, rimwe na rimwe abantu bashobora no kuguza ku buryo bakoresha terefone zabo kugira ngo baguze mu masosiyete y’itumanaho, bikaba ari bibi kuko ugomba kwishyura ayo mafaranga ku kiguzi.”
Rwubahuka avuga ko gahunda nyinshi zo kugabanya ibiciro (discounts) mu bihe by’iminsi mikuru bitazanwa no kugabanyirizwa gusa, ahubwo bihagije kugira ngo bigushishikarize kugura cyangwa kwiyandikisha kuri serivisi runaka.
Inzobere mu by’imari ziburira abantu kwirinda gukabya mu kugura no kugura ibintu muri iki gihe, bavuga ko gukoresha amafaranga yazigamwe mu mezi 12 yose mu cyumweru kimwe cyangwa mu minsi mike ariyo inkomoko y’ibibazo by’amafaranga mu mwaka mushya.
Ni ingenzi cyane gushyira imbere ibikenewe, birimo kwishyura ubukode, amazi, amashanyarazi n’andi mafaranga ya buri kwezi adashobora gusubikwa.
Gusohora amafaranga kuruta uko uyinjiza
Umuhanga mu by’ubukungu Teddy Kaberuka avuga ko ari ngombwa ko abantu bareba amafaranga yabo mu gihe cy’iminsi mikuru, bakirinda gusesagura kugira ngo batazisanga bashiriwe nyuma gato y’iyo minsi mikuru.
Ati “Mu gihe cya Noheli n’Ubunani, abantu bashukwa no gukoresha amafaranga arenze ayo bakorera. Ariko na none, nicyo ibirori bisobanura, abantu bagomba kwishima kandi bakanizihiza, mu kwizihiza rero abantu bakoresha amafaranga,”
Akomeza agira ati “Ariko, bamwe mu bantu ntibakoresha amafaranga neza, kandi nyuma y’ibihe by’iminsi mikuru, ibintu birahinduka rwose. Muri rusange, ndabona ko bisaba ikinyabupfura mu gukoresha amafaranga neza.”
Kaberuka avuga ko abantu bakeneye kwitonda kuko nyuma y’iminsi mikuru baba bazakenera n’ibindi bintu biri ngombwa.
Kaberuka ati “Kumenya amafaranga ushobora gukoresha n’ibyo uzakenera kugira ngo ubeho nyuma y’igihe cy’ibirori ni ngombwa.”
Gabanya ibirori
Mugihe leta yongereye igihe cyo gukora ku tubari, hari amahirwe menshi ko abantu bazagira amahitamo menshi ku byo gukora.
Kuva mu birori kugeza mu bitaramo, hazaba ibikorwa byinshi, bizasaba umuntu guhitamo ibyo agomba kwitabira cyangwa kureka kugira ngo yirinde ibirori bikabije, ari nayo nzira imwe yo gukoresha amafaranga menshi.
Kugabanaya ibirori bisobanuye kunywa bike no kuruhuka bihagije kugira ngo ukore ibindi bintu no mu gihe cy’ibirori. Ni ibiruhuko ariko kuri benshi, akazi karakomeza.
RDB yashimangiye ko ubucuruzi bugomba kwigenzura, yongeraho ko hazashyirwaho ingamba zubahiriza amategeko, abayarenga babijyozwa, bahamagarira abantu kwishima mu rugero.
Gukoresha neza ibihe
Hari ibintu byinshi abantu bashobora gukora kugirango bagire ibihe bitazibagirana mu gihe cy’iminsi mikuru badakoresheje byinshi, nk’ibikorwa by’umuryango, harimo imikino, gukora imigenzo yabo ya Noheli, nk’ubuhanzi bwakorewe mu rugo, ibitabo by’amafoto n’ibindi.
Kumarana umwanya n’inshut, umuryango, kureba filimi cyangwa imikino haba kuri televiziyo cyangwa kuri sitade nabyo ni byiza cyane kandi ntibitwara amafaranga menshi.
Kurimbisha no gusangirira hamwe nk’umuryango, bishobora kuba byiza mu buryo bwinshi. Ubusanzwe, Noheli yari iyo guteka no kurya amafunguro menshi mu rugo, ntabwo ibiryo byatekwaga n’umu ‘chef’.
Kuri bamwe, igihe cya Noheri n’Ubunani ni igihe cyo gusubiza amaso inyuma no gutekereza ku bisobanuro byimbitse by’iki gihe. Igihe kirageze cyo kwitandukanya n’urusaku, gutekereza no no kuruhuka. Niba ukora ibi, bizagutwara amafaranga make.
Ku bakristu, ibihe by’iminsi mikuru, cyane cyane umunsi wa Noheli, ni ukujya mu rusengero. N’abantu badasanzwe bajya mu rusengero babona umwanya, bakajya mu rusengero kuri Noheli.
Jya mu cyaro
Ubusanzwe, Abanyarwanda bari bazwiho gusubira mu byaro kwishimana n’ababyeyi nabo babyirukanye, ariko umuco wagiye ucika mu myaka yashize.
Ariko, kwizihiriza Noheli mu cyaro bishobora kuba byiza rwose ku bantu bagifite aho bita mu cyaro iwabo. Guhuza inshuti n’abavandimwe ba kera no kwishimira utuntu duto tw’ubuzima bwo mu cyaro bishobora ku kunezeza cyane kandi bidatwaye amafaranga menshi. Abana nabo bazabikunda.
Nyuma y’iminsi mikuru ubuzima busanzwe burakomeza. ICK News ikwifurije Noheli nziza n’Umwaka mushya muhire wa 2025.