Kuba uhagarariye Tarsamaya mu gihugu cyawe

Kuba uhagarariye Tarsamaya mu gihugu cyawe

Iyi nyandiko ntaho ihuriye n'amasezerano. Ikumenyesha, mbere y'inshingano iyo ari yo yose, icyo uzakora n'icyo uzahembwa. Ikwemeza ni amasezerano ushyira umukono gusa, kandi ni yo yonyine ifite agaciro. Amafaranga yatanzwe hano ni ingero z'ibarura, ntabwo ari isezerano ry'inyungu na rimwe.

Iyi nyandiko igaragaza icyo uzakora, icyo uzahembwa n'icyo uzishingira. Nyisome yose mbere yo kwemera: kwisubira uyu munsi biruta kumenya bwose ubugari bw'inshingano zawe igihe cyatinze.

Inshingano zawe

Ukusanya amafaranga abacuruzi bo mu gihugu cyawe badufitiye

Buri cyumweru, abacuruzi n'abatanga serivisi bo mu gihugu cyawe bakoresha Tarsamaya bakwishyura icyo badufitiye. Ubikusanya mu izina ryacu, mu ifaranga ry'igihugu cyawe — ukoresheje uburyo bwo kwishyura bukoreshwa iwanyu — konti ya posita, koherezwa n'ibanki, ikofi y'itumanaho — nk'uko wabimenyekanishije.

Nta kwakira amafaranga y'intoki. Umubare wose wakiriwe ugomba gusiga ikimenyetso muri banki: ni ibyo bikurengera igihe habaye impaka, kandi ni ibyo bibuza ko wandikwaho ubwakiriwe utigeze ubona.

Niba umucuruzi asaba kwishyura amafaranga y'intoki, umwange kandi umwohereze ku bumwe mu buryo wamenyekanishije. Kwakira amafaranga y'intoki — n'ubwo waba ubifite umutima mwiza, kandi n'ubwo wayashyira ako kanya kuri konti yawe — ni ukurenga ku bubasha wahawe: icyo gihe nta kintu cyari kwemeza uwatanze ayo mafaranga cyangwa impamvu yatanzwe.

Amafaranga agomba kwishyurwa aratandukana bitewe n'icyo umucuruzi akora.

Umucuruzi ugurisha ibicuruzwa adufitiye rimwe ku ijana ry'ibyo agurisha.

Utanga serivisi, uko ibikorwa bye byaba biri kose — gutunganya umusatsi n'ubwiza, amazi n'ubwubatsi, ubwikorezi, amafoto, inama, kwigisha, kubungabunga, gusana, ubuzima, gutegura ibirori n'izindi serivisi zose — adufitiye makumyabiri ku ijana ku serivisi yakoreye umukiriya urubuga rwamuzaniye. Ku bakiriya be bwite ntacyo adufitiye.

Utanga serivisi anishyura amafaranga ya buri kwezi amwemerera kwinjira ku rubuga, angana na 2 900 FRw ku kwezi mu gihugu cyawe. Ukwezi kwa mbere ni ubuntu. Aya mafaranga nawe uyakusanya nk'ayandi.

Mu gihe kizaza hazatangwa izindi serivisi, zifite ibiciro byazo. Uzabimenyeshwa kandi uzahembwa hakurikijwe amategeko amwe: igipimo cyawe gikoreshwa ku mafaranga yose ukusanya mu izina ryacu, uko inkomoko yayo yaba iri kose.

Amafaranga ukusanya asigara mu gihugu cyawe, uretse ikintu kimwe gusa — igice kigenewe Tarsamaya, ukituyohereza mu buryo busobanuwe hasi. Ni ryo shingiro ry'imiterere ya Tarsamaya, kandi ni ibyo bitwemerera kuba ku isi hose.

Ku itegeko ryacu wishyura abafitiye uburenganzira mu gihugu cyawe

Tukusaba mu nyandiko kwishyura abafitiye uburenganzira bari mu gihugu cyawe: abacuruzi, abatanga serivisi, abayoboye abakiriya, abagize uruhare mu rutonde rw'ibicuruzwa, n'amashyirahamwe y'umujyi wawe. Wishyura mu ifaranga ry'igihugu cyawe kandi utwohereze icyemezo.

Icyipimo ntabwo ari aho uwo ufitiye uburenganzira atuye, ahubwo ni aho konti ye yafunguriwe. Wishyura gusa kuri konti yafunguriwe mu gihugu cyawe.

Bityo, uwagize uruhare mu rutonde utuye mu mahanga ariko afite konti iwanyu, ushobora kumwishyura. Ku rundi ruhande, ntiwohereza na rimwe amafaranga kuri konti yo mu mahanga: amategeko y'ivunjisha y'igihugu cyawe abibuza, kandi byakugeza mu kaga ku giti cyawe. Abo bafitiye uburenganzira bishyurwa mu bundi buryo, budashyirwa mu bubasha wahawe.

Ntiwemeza kwishyura

Ukusanya ibyo wishyuwe koko. Ntiwemeza kwishyura kw'abacuruzi mu buryo ubwo ari bwo bwose kandi nta nshingano ufite yo gutanga amafaranga mbere.

Niba umucuruzi cyangwa utanga serivisi atishyuye umwenda we, uwo mwenda ukomeza kuba umwenda we kuri Tarsamaya. Kuwukusanya cyangwa kuwikorera ntabwo ari akazi kawe. Ntugomba gufata ingamba zo gukusanya, cyangwa gushyira igitutu ku mucuruzi watinze: kwibutsa bikorwa na porogaramu, kandi ingamba zikenewe tuzifata.

Kuko ihembwa ryawe rishingiye ku mafaranga yakusanyijwe koko, umwenda utishyuwe ntacyo ukugusa uretse ihembwa ryari kuzana.

Wishyura gusa ku mafaranga yakusanyijwe

Wishyura gusa mu rugero rw'amafaranga ufite koko mu izina ryacu. Ntugomba na rimwe gutanga amafaranga yawe bwite mbere, uko byihutirwa byaba bivuzwe kose.

Niba amafaranga agenewe abafitiye uburenganzira arenze ibyo ufite, tumenyeshe: kwishyura icyo gihe bigabanywamo ibice cyangwa bikorwa mu bundi buryo. Kwishyura ukoresheje amafaranga yawe bwite ntibiguha uburenganzira bwo kwishyurwa ako kanya kandi bisigara mu kaga kawe.

Utwoherereza igice cyacu

Ni yo mikorere imwe gusa yambukiranya imipaka mu miterere yose. Icyo tugenewe utwohereza nyuma yo kwishyura abafitiye uburenganzira bose bo mu gihugu cyawe kandi nyuma yo kwifatira ihembwa ryawe.

Bityo, utwoherereza gusa ibisigaye: ibyo bisigara igihe abacuruzi, abatanga serivisi, abayoboye abakiriya, abagize uruhare mu rutonde n'amashyirahamwe yo mu gihugu cyawe bishyuwe.

Utanga ibimenyetso ku mikorere yose

Buri gukusanya na buri kwishyura bigomba kugira ibimenyetso — ifoto y'inyemezabwishyu n'inomero y'ikimenyetso cy'imikorere. Iri tegeko rikurengera nk'uko riturengera: imikorere ifite ibimenyetso bikwiye ntishobora kujyanwa mu mpaka ku byerekeye ko yabaye.

Ikimenyetso cyerekana ko imikorere yabaye. Ntikigukuraho ubwitonzi busobanuwe hasi: imikorere itari yo isigara itari yo, n'ubwo yaba yanditswe neza cyane.

Ukomeza kuboneka

Wemeza ko witeguye kuri porogaramu nibura rimwe mu minsi irindwi yose. Igikorwa kimwe kirahagije; nta bikorwa bisabwa.

Ntabwo ari ubugenzuzi: kutaboneka kwawe igihe kirekire bibuza kwishyura kose k'abacuruzi n'abatanga serivisi bo mu gihugu cyawe kandi bihagarika imiterere yose y'aho utuye. Ingaruka zo kutemeza zisobanuwe mu gice cyerekeye kurangira k'ububasha.

Ihembwa ryawe

Ku mafaranga yose ukusanya mu gihugu cyawe, hakurikijwe imbonerahamwe y'intera iri hasi, kugera kuri cumi na gatanu ku ijana by'igice kigenewe Tarsamaya.

Uburyo bwo kubara

Kuri buri mafaranga yakusanyijwe, igice kimwe kigenewe abandi: abacuruzi, abatanga serivisi, abayoboye abakiriya, abagize uruhare mu rutonde rw'ibicuruzwa, amashyirahamwe. Ibisigaye nyuma yo kwishyura abo bafitiye uburenganzira bigize igice cya Tarsamaya. Kuri icyo gice ubona cumi na gatanu ku ijana — ku bacuruzi bawe 299 ba mbere; nyuma yaho icyo gipimo kirahinduka ku ntera.

Iki gice kigenewe mbere y'imisoro yacu kandi mbere y'ibiciro byacu. Kifatwa mbere, kuko gihemba umurimo wawe.

Iri hembwa ryatanzwe rikubiyemo imisoro yose. Niba ibikorwa byawe mu gihugu cyawe bisoreshwa umusoro ku nyongeragaciro cyangwa umusoro ungana na wo, uwo musoro ufatwa nk'uwo ukubiye mu mafaranga ubona, kandi kuwutangaza no kuwishyura ni inshingano yawe. Ku iyi mpamvu nta nyongera ishobora kusabwa.

Iri tegeko rimwe ryonyine rikubiyemo imigendekere yose: amafaranga y'ubucuruzi, amafaranga ya serivisi, amafaranga ya buri kwezi, n'izindi serivisi zose tuzongera nyuma. Ihembwa ryawe rikurikira ubwaryo, bitasabye ko amasezerano yongera kuganirwaho.

Ibarura rya buri cyumweru rikwerekwa kuri porogaramu: amafaranga yakusanyijwe, amafaranga agenewe abandi, igice cya Tarsamaya n'igice cyawe.

Ingero z'ingano

Amafaranga ari hasi yatanzwe mu ifaranga ry'igihugu cyawe (FRw) kandi ni ingero z'ibarura gusa, nta gahato kandi nta cyemezo cy'inyungu. Ihembwa ryawe nyaryo rishingiye ku bikorwa nyabyo by'abacuruzi bo mu gihugu cyawe.

Ku bacuruzi batatu. Umwe wese agera ku 1 200 000 FRw y'ubucuruzi mu cyumweru, ni ukuvuga 3 600 000 FRw byose. Amafaranga y'1 % angana na 36 000 FRw, ukayakusanya. Nyuma yo kwishyura abafitiye uburenganzira, ihembwa ryawe rigera kuri 2 160 FRw.

Ku utanga serivisi umwe. Umukanishi w'amazi akora imirimo ine mu cyumweru, buri wese angana na 29 000 FRw, ni ukuvuga 116 000 FRw, ku bakiriya urubuga rwazanye. Amafaranga ya 20 % angana na 23 200 FRw. Ihembwa ryawe rigera kuri 1 566 FRw.

Iyo mirimo ireba gusa abakiriya urubuga rwazanye. Ku bakiriya bwite b'utanga serivisi nta mafaranga agenewe.

Itandukaniro riri hagati y'ingero ebyiri riva ku bipimo: amafaranga ya serivisi ni makumyabiri ku ijana y'umubare, naho ay'ubucuruzi bw'ibicuruzwa ni rimwe ku ijana. Ku mubare umwe, serivisi itanga ihembwa riri hejuru cyane.

Ku mafaranga ya buri kwezi. Buri utanga serivisi yishyura 2 900 FRw ku kwezi kwinjira ku rubuga. Ihembwa ryawe rigera kuri 392 FRw ku mafaranga amwe ku kwezi.

Ku itsinda ryuzuye

Uhagarariye ukurikirana abacuruzi mirongo ine n'abatanga serivisi makumyabiri abona:

Ku kwezi, hamwe n'amafaranga ya buri kwezi: hafi 217 000 FRw. Uyu mubare usigara urugero rw'ibarura kandi mu buryo ubwo ari bwo bwose ntabwo ari inyungu yemejwe.

Bityo ihembwa ryawe ntirishingiye ku mucuruzi umwe, ahubwo rishingiye ku mubare wabo. Kandi kubera ko serivisi zisubiramo, zishobora kuzana ihembwa muri buri gihe cy'ibikorwa.

Uko igipimo cyawe gihinduka

Igipimo cyawe gikoreshwa ku ntera, ku shingiro rimwe n'umusoro ku nyungu: buri ntera igumana igipimo cyayo, kandi ni abacuruzi bari hejuru y'urugero gusa binjira mu gipimo gikurikira.

Umucuruzi wo mu gihugu cyawe wishyuye nibura rimwe mu mezi atatu ashize afatwa nk'ukora. Umubare ugaragara kuri porogaramu yawe.

Kuki intera, atari urwego rumwe

Imbonerahamwe y'urwego rumwe yari gukoresha igipimo kigezweho ku bikorwa byawe byose. Icyo gihe wari kubura amafaranga urenze urugero: umucuruzi wawe wa 300 yari kujyana 299 ba mbere kuva kuri 15 kugera kuri 12 ku ijana.

Imbonerahamwe y'intera ibibuza. Buri mucuruzi wiyongera yongera ihembwa ryawe buri gihe. Umucuruzi wawe wa 300 ahembwa kuri 12 %, ariko 299 ba mbere basigara kuri 15 %.

Bityo igipimo cyawe cy'impuzandengo nyacyo kimanuka buhoro, kandi nta rugero na rumwe rukugarura inyuma:

Shingiro ry'uku kumanuka: umutwaro w'akazi kawe ntiwikuba kabiri igihe umubare w'abacuruzi wikubye kabiri, kuko igice kinini cy'igenzura gikorwa n'urwego.

Impinduka yose y'imbonerahamwe imenyeshwa iminsi mirongo itatu mbere kandi ntishobora gukoreshwa ku bihe byashize.

Imbibi z'ububasha wahawe

Ukora ku bwigenge

Umubano wawe na Tarsamaya ni ububasha bwahawe, ntabwo ari amasezerano y'akazi. Ntabwo uri umukozi uhembwa, ntabwo uri umukozi, kandi ntabwo uri intumwa ya Tarsamaya.

Utegura ibikorwa byawe ku bwisanzure: amasaha, uburyo, ingendo, ibikoresho. Ntitugena amasaha, ntitugutegeka ahantu ho kukorera kandi ntidukoresha ububasha bwo guhana. Amabwiriza tuguha areba gusa imikorere igomba kubaho — uwuhe ufitiye uburenganzira n'umubare uwuhe wo kwishyura — ntabwo areba uburyo uyobora ibikorwa byawe.

Ukomeza kwisanzura kukora ibindi bikorwa byose by'umwuga, nk'umukozi cyangwa ku bwigenge, harimo no kuba wowe ubwawe umucuruzi cyangwa utanga serivisi ku rubuga.

Ku rundi ruhande, mu gihe cy'ububasha ntushobora gukora umurimo ungana n'uwawe ku serivisi ihatana na Tarsamaya, kandi ntushobora kugira umugabane w'ubuyobozi mu kigo nk'icyo.

Kuzuza ibisabwa byo kwiyandika no kumenyekanisha amategeko y'igihugu cyawe asaba ku bikorwa byigenga, kimwe no kwishyura imisanzu ijyanye, ni inshingano yawe.

Nta rugero rwo hasi rw'ibikorwa rwemejwe, kandi ihembwa ryawe rishingiye gusa ku mikorere yakozwe koko.

Ntushyira Tarsamaya mu nshingano

Ntufite ububasha bwo kugirana amasezerano mu izina rya Tarsamaya. Ntuganira ku giciro na kimwe, ntutanga igabanuka na rimwe, ntwemera igihe cyongerewe na kimwe, ntushyira umukono ku masezerano na yamwe kandi ntwiyemeza inshingano n'imwe y'ubwoko ubwo ari bwo bwose yashyira Tarsamaya mu nshingano ku mucuruzi, ku ufitiye uburenganzira cyangwa ku wundi.

Ububasha wahawe bureba gusa gukora imikorere yamaze kugenwa: gukusanya amafaranga agomba kwishyurwa, kwishyura uwo ufitiye uburenganzira wagenwe umubare wagenwe. Ntabwo bukubiyemo ububasha bwo guhagararira ubucuruzi.

Niba umucuruzi akusaba igabanuka, igihe cyongerewe cyangwa impinduka y'ibisabwa bye, muyobore kuri porogaramu, ni yo yonyine ifite agaciro. Inshingano yiyemejwe hanze y'izi mbibi ntishobora kujyanwa kuri Tarsamaya kandi ituma ubazwa wowe wenyine.

Ntugira na rimwe amafaranga menshi

Urugero rwawe rwo kubika ni 120 000 FRw. Ku gihugu cyawe rungana n'uruto mu mafaranga abiri: inshuro ebyiri z'umushahara muto ushingiye ku mategeko wa buri kwezi, cyangwa urugero rusanzwe dukoresha ahantu hose. Umubare nyawo ukwerekwa kuri porogaramu igihe cyose.

Uru rugero ntabwo ari igisenge cy'ingano: ni umuvuduko wo kohereza. Bitewe n'ibikorwa by'abacuruzi bo mu gihugu cyawe, ubusanzwe uzakusanya inshuro nyinshi z'uwu mubare mu cyumweru. Ni bisanzwe kandi biteganijwe.

Igihe ibyo ufite bigeze ku rugero, kohereza bihinduka ibigomba kwishyurwa mu masaha mirongo ine n'umunani. Gukusanya kwawe bikomeza muri icyo gihe: abacuruzi bawe ntibabuzwa na rimwe kukwishyura kubera ko wakoze neza.

Gukusanya bihagarara gusa niba ibyo ufite bigeze ku 240 000 FRw, ni ukuvuga inshuro ebyiri z'urugero, kandi kohereza kugomba kwishyurwa kutakozwe. Guhagarara icyo gihe bihana kohereza kutakozwe, ntabwo bihana ingano nini cyane.

Uru rugero rukurengera. Uko ubika bike kandi mu gihe gito, ni ko uba mu kaga gake igihe hari ubujura, igihombo cyangwa impaka — kandi ni ko kubazwa kwawe kuba koroshye. Ni cyo gituma tugusaba kohereza kenshi aho kohereza byinshi.

Urugero rwikuba kabiri buri mezi 4 y'ibikorwa nta kibazo cyanditswe, kugera kuri 23 000 000 FRw — ni ukuvuga inshuro 192 z'umubare wa mbere, ugerwaho nyuma y'amezi 32. Uwu mubare wo hejuru ni umwe ku bahagarariye bacu bose ku isi, uhinduwe mu ifaranga ryawe; umubare w'inshuro zo kwikuba kabiri zikenewe bityo ushingiye ku ntangiriro yawe.

Ntukora imikorere yawe bwite

Niba wowe ubwawe uri umucuruzi cyangwa utanga serivisi ku rubuga, ntukora kwishyura ugomba kwishyura ubwawe. Amafaranga yawe bwite n'amafaranga yawe ya buri kwezi bishyurwa mu bundi buryo, tukubwira.

Iri tegeko rimwe rikoreshwa ku kwishyura kugomba kwishyurwa n'uwo mwashakanye, ababyeyi n'abakomokaho, n'amasosiyete uyobora cyangwa ugenzura. Nta muntu ushobora kuba icyarimwe umwenda n'ugenzura umwenda we.

Ukora gusa mu karere kawe

Igihugu kimwe, uhagarariye umwe. Ushobora kumenyekanisha gusa konti zafunguriwe mu gihugu cyawe, kandi kwishyura gusa abafitiye uburenganzira bafite konti mu gihugu cyawe.

Konti zawe zigenzurwa mbere

Mbere y'ikusanya rya mbere, tugenzura inyandiko ikwemeza n'nibura konti imwe yo kwishyura mu izina ryawe. Iri genzura ryemerera abacuruzi kwemeza ko bishyura umuntu ufite ububasha.

Inshingano zawe zihariye

Ukora ubwawe

Ukora ububasha wahawe ubwawe. Ntushobora guha undi muntu inshingano zawe zose cyangwa igice — umuvandimwe, umukozi cyangwa uwakoranye — utabifitiye uruhushya rwacu rwanditse rwatanzwe mbere.

Iri tegeko ntabwo ari ry'igishushanyo gusa: abacuruzi bo mu gihugu cyawe bakwishyura kuko umwirondoro wawe wagenzuwe. Ikusanya ryakozwe n'undi muntu udafite ububasha ritera kubazwa kwawe bwite ku mafaranga yose areba.

Ubika ibanga ry'amakuru

Mu gukora ububasha wahawe ugera ku makuru y'ibanga: umwirondoro n'umutungo w'abacuruzi, amakuru y'ibanki y'abafitiye uburenganzira, amafaranga y'imikorere.

Wiyemeza kuyakoresha gusa ku ntego z'ububasha, kutayamenyesha undi muntu uwo ari we wese, no kubika ibanga harimo na nyuma y'irangira ry'ububasha. Uhambiriwe n'inshingano amategeko y'igihugu cyawe ashyiraho ku kurengera amakuru bwite.

Ntukwega abakiriya

Mu gihe cy'ububasha no mu mezi cumi n'abiri nyuma y'irangira ryabwo, wirinda kwegera abacuruzi wamenye umwirondoro wabo kubera ububasha, ku ntego yo kubayobora ku serivisi ihatana na Tarsamaya.

Iri buriza ntirigabanya ubwisanzure bwawe bwo kukora ibindi bikorwa: rireba gusa gukoresha amakuru yabonetse kubera ububasha.

Witondera inkomoko n'icyerekezo cy'amafaranga

Wanga ikusanya ryose inkomoko yaryo igusa nk'ishidikanywa kandi utumenyesha utatinze. Ntwishyura uwo ufitiye uburenganzira uzi cyangwa ukeka ko afite ingamba zimubuza, kandi ukurikiza amategeko y'igihugu cyawe yo kurwanya iyezandonke.

Ishidikanya rigomba buri gihe kugeza ku kutubaza mbere yo gukora, ntabwo ku gukora mbere yo kubaza.

Ibisabwa bifatika by'ububasha wahawe

Amafaranga y'ibanki agabanywa hakurikijwe inkomoko yayo.

Amafaranga yo kwakira ibanki y'ufitiye uburenganzira ifata akurwa ku mafaranga amwishyurwa: umwe wese yikorera igiciro cyo kwakira kwe. Porogaramu yerekana ufitiye uburenganzira umubare mwiza azabona.

Amafaranga yo kohereza ibanki yawe ikwaka kugira ngo ikore kwishyura ashyirwaho n'ihembwa ryawe, kuko konti n'uburyo bwo kwishyura ubihitamo ubwawe.

Amafaranga yo kohereza igice cyacu asigara yose kuri twe, kuko iyo mikorere ni yacu.

Kohereza bikorwa mu buryo tukubwira, buhuza n'amategeko y'igihugu cyawe. Igihe ifaranga ry'igihugu cyawe ridashobora koherezwa ku bwisanzure, tusobanura inzira yemewe n'amategeko n'umubare nyawo ugomba koherezwa.

Ingaruka z'ivunjisha ntizigwa kuri wowe. Wisanzura ku nshingano wohereje umubare tuvuga, mu ifaranga tuvuga. Impinduka yose y'ivunjisha hagati y'ikusanya no kohereza igwa kuri twe.

Niba kohereza bitashoboka kuri wowe kubera ingamba z'igenzura ry'ivunjisha, gufungwa kw'ibanki cyangwa ikindi kibazo kitari mu bushobozi bwawe, tumenyeshe ako kanya. Amafaranga asigara ari mu maboko yawe mu izina ryacu, kandi icyo kibuza cyonyine ntikitera kubazwa kwawe.

Igihe habaye imbaraga zirenze ubushobozi — impanuka y'ibidukikije, amakimbirane, icyemezo cy'ubuyobozi, kwangirika rusange kw'imiyoboro y'ibanki cyangwa y'itumanaho — inshingano za buri ruhande zihagarara mu gihe icyo kibazo kimara.

Igihe habaye urupfu cyangwa ubumuga bumara igihe kirekire ububasha burangira ku bw'amategeko. Amafaranga abitswe mu izina ryacu ntabwo ari mu mutungo wawe kandi agomba kutugarurwa; kubwo ibyo twegera abazungura bawe cyangwa umuhagarariye ku bw'amategeko.

Inshingano zacu z'amafaranga kuri wowe zigarukira ku ihembwa ryabonetse n'amafaranga afite ibimenyetso. Ntitubazwa ingaruka zo guhagarara kwa serivisi, kutaboneka kwa porogaramu cyangwa icyemezo cy'ikigo cy'ibanki.

Dushobora guhindura uburyo bufatika — uburyo bwo kwishyura bwemewe, inshuro z'ibarura, imikorere ya porogaramu. Impinduka yose ireba ihembwa ryawe cyangwa inshingano zawe z'ibanze imenyeshwa iminsi mirongo itatu mbere.

Ibyo ubujijwe mu buryo bugaragara

Aya mabuza ntagira ibisabwa. Ni ngombwa ko uyamenya mbere y'inshingano iyo ari yo yose.

Kwemeza ikusanya utakiriye. Kwemeza kwishyura kutabaye bitera kubazwa kwawe bwite kugera ku mubare wemejwe. Mbere ya buri kwemeza, buri gihe genzura ibarura ryawe.

Kwishyura uwo ufitiye uburenganzira nta bwiriza porogaramu yatanze. Amabwiriza yacu yo kwishyura akugeraho gusa kunyuze kuri porogaramu, ntabwo mu bundi buryo na rimwe. Nta kwishyura na kumwe gushobora gukorwa ku busabe bw'umunwa, ku telefone, ku butumwa, ku iposita ya elegitoroniki cyangwa mu bundi buryo, uko uwohereje yaba yiyita kose.

Niba umuntu akusaba kwishyura hanze ya porogaramu, n'ubwo yiyita umuyobozi cyangwa umukozi wa Tarsamaya, ni igerageza ryo kuriganya. Wanga kandi utumenyeshe ako kanya kunyuze kuri porogaramu.

Gukoresha amafaranga ubitse, n'ubwo byaba by'igihe gito. Amafaranga ufite ntabwo ari ayawe. Kuyafata iminsi mike, n'ubwo wayagarura yose, ni ukwiyitirira.

Gukora kwishyura kuri konti yo mu mahanga. Mu bihe ibyo ari byo byose ntibishoboka, impamvu iyo ari yo yose ivuzwe.

Imiterere yawe y'umusoro

Ihembwa ryawe rigenewe mu mubare wose. Uryifatira ubwawe ku mafaranga ufite: ntacyo tukwishyura kandi bityo ntacyo tuvanamo. Ni inyungu isoreshwa mu gihugu cyawe, kandi kuyitangaza no kuyishyura ni inshingano yawe.

Mu bihugu bimwe, ibikorwa byigenga bisaba inomero y'umusoro. Igihe ayo makuru abonetse ku gihugu cyawe, porogaramu yerekana icyo kwiyandika bihindura. Ntiyerekana igipimo na kimwe tutagenzuye: igihe nta makuru yemejwe, ibivuga aho kwerekana zeru.

Ku rundi ruhande, kwishyura ukora mu izina ryacu bishobora kugira igabanuka. Mu bihugu bimwe amategeko ateganya igabanuka ku mafaranga yishyurwa abayoboye abakiriya cyangwa abagize uruhare mu rutonde. Icyo gihe porogaramu ibara umubare mwiza ugomba kwishyurwa, kandi tugaragaza neza uburyo bugomba gukurikizwa. Ntwiyemeza inshingano nk'iyo tutabisobanuye mu nyandiko kandi utabyemeye.

Aya mategeko akomoka ku mategeko y'aho utuye kandi ahinduka atitaye ku bushake bwacu.

Ntabwo turi umujyanama w'umusoro. Mbere ya buri cyemezo, egera umubaruramari mu gihugu cyawe.

Uburyo bwo kugenwa

Utanga ubusabe kuri porogaramu. Dusuzuma ubusabe bwageze kandi duhitamo uhagarariye umwe ku gihugu.

Niba ubusabe bwawe buhiswemo, dusaba inyandiko ebyiri:

Inyandiko ikwemeza, yafotowe iryamye, isomeka yose.

Ifoto yawe ubwawe ufashe iyo nyandiko ku rwego rw'isura, kugira ngo isura n'inyandiko bigaragare byombi ku ifoto imwe. Iyi nyandiko ya kabiri yemeza ko inyandiko yatanzwe uyifite ubwawe.

Izi nyandiko zibikwa mu bubiko bufunze n'ibanga kandi ntizisohoka cyangwa zihabwa umuntu. Zisenyerwa niba ubusabe bwawe butageze ku kugenwa.

Niba bugeze, zibikwa mu gihe cy'ububasha, hanyuma mu gihe amategeko y'igihugu cyawe ashyiraho ku kubika inyandiko z'ibimenyetso. Ku iherezo ry'icyo gihe zisenyerwa.

Umenyekanisha konti zawe zo kwishyura. Turazigenzura.

Ushyira umukono ku masezerano akoreshwa ku gihugu cyawe. Ahabwa mbere na mbere mu rurimi wahisemo, kandi ntugomba kushyira umukono ku kopi na yamwe utumva.

Ifite agaciro ni kopi yanditse mu rurimi rwawe. Kopi y'icyongereza yometswe, ariko ikorera gusa ibikorwa byacu by'imbere kandi ntishobora gukoreshwa kukurwanya. Ntituzigera dukoresha imbere y'umucamanza inyandiko utasomye mu rurimi rwawe.

Iri hitamo ryakozwe ku bushake. Amasezerano akurikiza amategeko y'igihugu cyawe kandi impaka zose zigenwa n'inkiko zawe: byari kuba bidahuye, kandi mu bihugu bimwe bitakoreshwa, gusaba umucamanza wo mu gihugu gufata icyemezo ku nyandiko y'ururimi rw'amahanga.

Niba ubonye itandukaniro hagati y'izo kopi ebyiri, tumenyeshe. Icyo gikosorwa ni ubuhinduzi bwacu, ntabwo ari uburenganzira bwawe.

Ububasha wahawe butangira gukurikizwa igihe amasezerano ashyizweho umukono. Ibikorwa byawe bitangira koko igihe umucuruzi wo mu gihugu cyawe akoze kwishyura kwe kwa mbere, nta gihe cyangwa ingano ishobora kwemezwa.

Irangira ry'ububasha

Ushobora kubuhagarika igihe icyo ari cyo cyose, umenyesheje iminsi mirongo itatu mbere kandi nyuma yo kohereza amafaranga ufite yose.

Natwe dushobora kubuhagarika, tumenyesheje iyo minsi mirongo itatu.

Icyo gihe ni cy'impande zombi. Kikwemerera kurangiza kwishyura kuri kandi kohereza ibyo ufite; kitwemerera kugena umusimbura wawe nta kuhagarika serivisi mu gihugu cyawe.

Ihembwa ryabonetse kandi ritishyuwe risigara rigenewe kandi ryishyurwa nyuma yo gutunganya ibarura, uruhande urwo ari rwo rwatangije ihagarika.

Niba ubwiteguye butemejwe: nyuma y'iminsi 7 tukoherereza inyibutsa. Nyuma y'iminsi 14 kwishyura mu gihugu cyawe bihagarara ubwabyo. Nyuma y'iminsi 30 ubusabe bwo kugusimbura burafungurwa.

Igihe habaye ikosa rikomeye nta kumenyesha mbere gukoreshwa: ububasha burangira ku bw'amategeko kandi ako kanya, kandi dufata ingamba amategeko y'igihugu cyawe ateganya.

Ikosa rikomeye ni cyane cyane:

• kwiyitirira amafaranga yose cyangwa igice cyabikijwe mu izina ryacu
• kuyakoresha ku ntego bwite, n'ubwo byaba by'igihe gito kandi n'ubwo byagarurwa byose
• kwemeza ikusanya ritabaye
• kwishyura uwo ufitiye uburenganzira nta bwiriza porogaramu yatanze
• kwanga cyangwa kwirengagiza kohereza amafaranga agomba koherezwa, nyuma y'itangazo
• gukora ububasha, bwose cyangwa igice, kunyuze ku wundi muntu udafite ububasha
• gutanga inyandiko z'impimbano cyangwa ibimenyetso bitari byo
• guhishurira undi muntu amakuru y'ibanga ububasha buguha uburenganzira bwo kugera kuri yo

Ubusobanuro bw'umurimo wawe

Nta uhagarariye, abacuruzi n'abatanga serivisi bo mu gihugu cyawe ntibashobora kugera kuri Tarsamaya. Amafaranga bishyura ntashobora koherezwa mu buryo butaziguye hanze y'akarere kawe, kandi ntidushobora gufungura konti y'ibanki mu buri gihugu cy'isi.

Ntabwo uri undi ushyira hagati wiyongera. Ni wowe ubwawe ibisabwa ngo Tarsamaya ibe mu gihugu cyawe.

Igice cy'ayo mafaranga kandi kisigara mu mujyi wawe: 16 % by'ibyo tugenewe, nyuma yo kwishyura umusoro, amafaranga yacu y'imikorere n'ihembwa ry'uhagarariye, ubu bihabwa amashyirahamwe y'akarere ubucuruzi bwabereye. Iki gipimo cyerekana inshingano twiyemeje kubika igihe kirekire; kiri mu politiki yacu yo kugabana kandi gishobora guhinduka, bitagize ingaruka ku ihembwa ryawe na mba.