Uko wasaba inguzanyo muri banki ukiri muto n'ibyo ugomba kwitondera

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Kubona igishoro ni imwe mu nzitizi zikomeye urubyiruko ruhura na zo mu rugendo rwo kwihangira imirimo. Nubwo amabanki ashyiraho uburyo bwo kuguriza abikorera, gusaba inguzanyo ukiri muto bisaba ubushishozi n'imyiteguro ihagije kugira ngo utagwa mu gihombo.

Tegura Umushinga Wumvikana (Business Plan) Ikintu cya mbere banki ireba mbere yo kuguha amafaranga ni uburyo uteganya kuyabyaza inyungu. Ugomba kuba ufite inyandiko y'umushinga igaragaza neza icyo ugiye gukora, isoko uzagurishaho, n'aho uzakura inyungu kugira ngo ubone kwishyura banki. Umushinga wawe ugomba kuba wumvikana kandi ushoboka mu by'ukuri.

Kora Ubushakashatsi ku Nyungu (Interest Rates) Amabanki atandukanye agira inyungu zitandukanye ku nguzanyo atanga. Mbere yo gusinya amasezerano, fata umwanya usure ibigo by'imari bitandukanye ubaze inyungu basaba. Hitamo banki iguha inyungu ntoya kandi iguha igihe gihagije cyo kwishyura (grace period) mbere y'uko umushinga wawe utangira kwinjiza amafaranga.

Kwifashisha Ikigega BDF Niba nta ngwate (collateral) ufite nk'inzu cyangwa ikibanza, Leta y'u Rwanda yashyizeho Ikigega cy'Ingwate (BDF) gifasha urubyiruko n'abagore kubona ingwate yo kubishingira mu mabanki. Wegere ishami rya BDF rikwegereye usobanuze uko bagufasha sugira ngo ubashe kubona igishoro cyo gutangira.


Location: Rwanda

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