Kugira ngo ubare amafaranga yishyurwa buri kwezi ku nguzanyo, andika hepfo amafaranga y’inguzanyo ushaka n’umubare w’ibice byo kwishyura. Uzahita ubona igisubizo ako kanya.
Uko imikorere yo kugereranya inguzanyo kuri interineti ikora
Ukoresheje imashini yacu ibara inguzanyo, ushobora kugereranya vuba amafaranga uzajya wishyura buri kwezi hashingiwe ku mabwiriza rusange ari ku isoko ry’imari mu Rwanda. Ibarura rikoresha uburyo busanzwe bwo kwishyura buhoro buhoro, rigufasha kubona neza amafaranga y’ibice byo kwishyura, inyungu zose ziziyongera ndetse n’igiciro rusange cy’inguzanyo ukurikije igihe cyo kuyishyura wahisemo.
Ibintu by’ingenzi ugomba kwitaho:
- Isuzuma ry’ubushobozi bwo kwishyura n’amakuru y’inguzanyo: Amafaranga agaragara hano ni ayo kugufasha gusa mu kugereranya. Amafaranga nyayo y’inguzanyo, igipimo cy’inyungu nyacyo ndetse n’icyemezo cya nyuma cyo kwemererwa bizaterwa n’imiterere y’amafaranga y’usaba inguzanyo. Ibi bishobora gukorwa hashingiwe ku makuru y’imyenda aboneka muri Credit Reference Bureau (CRB) iyoborwa hakurikijwe amabwiriza ya Banki Nkuru y’u Rwanda (National Bank of Rwanda – BNR).
- Amabwiriza y’ibigo by’imari: Buri banki cyangwa ikigo gitanga inguzanyo gifite uburyo bwacyo bwo gusuzuma abasaba, ibisabwa mu gutanga inguzanyo, inyungu zishyirwaho, amafaranga y’ikorwa ry’inyandiko, ingwate zisabwa ndetse n’ibindi bisabwa bishobora kubaho.
- Intambwe ikurikira: Nyuma yo kubona amafaranga y’inguzanyo n’igihe cyo kuyishyura bihuye n’ubushobozi bwawe, ni ngombwa gutegura inyandiko zisabwa, nk’indangamuntu yemewe, ibimenyetso by’amafaranga winjiza, icyemezo cy’akazi cyangwa andi makuru asabwa n’ikigo cy’imari kugira ngo utangire gusaba inguzanyo neza.
Umwanzuro
Muri make, gukoresha imashini yo kuri interineti ibara inguzanyo ni intambwe nziza yo gutegura imari yawe no kumenya uko inguzanyo ishobora kugira ingaruka ku ngengo y’imari yawe ya buri kwezi. Kugereranya amahitamo ahari bigufasha gufata icyemezo gifite amakuru ahagije, kwirinda amadeni menshi no kubona igisubizo cy’inguzanyo gihuye n’ubushobozi bwawe bw’amafaranga. Mbere yo gusinya amasezerano ayo ari yo yose y’inguzanyo, soma neza kandi usuzume ibisabwa n’amabwiriza ya nyuma bitangwa na banki cyangwa ikigo cy’imari.
