Umushinga wo gusaba inguzanyo muri banki

Waba ufite umushinga ushaka gukora ariko nta gishoro gihagije ufite?

Waba wifuza gusaba inguzanyo muri banki?

Mbere yo kujya gusaba inguzanyo muri banki ugomba gutegura umushinga ugaragaza icyo inguzanyo uzayikoresha, uburyo inguzanyo izunguka n’uburyo uzayishyura.  Iyo ugiye gusaba inguzanyo, abakozi ba banki bakubwira kuzana umushinga wawe kugira ngo bawugendereho baguha inguzanyo.

Mu nyandiko y’uyu munsi tugiye kureba ibintu by’ibanze bigomba kugaragara mu mushinga usaba inguzanyo muri banki. Kuri buri gice turagenda tugaragaza iby’ingenzi bigomba kujyamo:

KANDA HANO UBONE INYANDIKO ZIGUFASHA GUTEGURA UMUSHINGA
KANDA HANO TUGUFASHE GUTEGURA UMUSHINGA

SOMA IZINDI NYANDIKO BIJYANYE

1) Impamvu z’umushinga

Muri iki gice usobanura impamvu wahisemo gukora umushinga runaka. Ugaragaza kandi impamvu uwo mushinga ukenewe aho uzawukorera. Muri iki gice kandi ugaragaza niba ari umushinga usanzwe ukora cyangwa se ari umushinga mushya. Akenshi kugira ngo banki irusheho kugirira icyizere umushinga wawe, usabwa kuvuga ko ari umushinga watangiye gukora, cyangwa se usanzwe ukora ariko ukaba ushaka kuwagura no kuwuteza imbere. Gusa iyo ari umushinga mushya nabwo ugaragaza impamvu ushaka kuwukora.

Muri iki gice kandi usobanura ikibazo gisanzwe gihari umushinga wawe uzakemura cyangwa uzashakira ibisubizo.

2) Intego z’umushinga

Muri iki gice ugaragaza icyo umushinga ugamije. Mu ntego z’umushinga ugaragaza intego rusange n’intego zihariye. Intego rusange ni icyerekezo kigari cy’umushinga naho intego zihariye ziba zishingiye ku cyerekezo n’ibikorwa uteganya gukora mu mushinga wawe.

3) Akamaro k’umushinga

Muri iki gice ugaragaza akamaro umushinga uzagirira nyiri kuwukora cyangwa nyirumushinga; ugaragaza kandi akamaro uwo mushinga uzagirira aho uzakorera n’akamaro uzagirira igihugu muri rusange. Binashobotse wagaragaza akamaro uwo mushinga uzagirira isi mu gihe ari umushinga wagutse cyangwa munini uzakorera mu bihugu byinshi.

Muri iki gice nacyo wavuga ibibazo bizakemurwa n’umushinga wawe ugasobanura neza n’uburyo ibyo bibazo bizakemurwa. Ni byiza ko mu kuvuga ibibazo bihari ugaragaza imibare cyangwa amakuru yizewe y’ubushakashatsi kugira ngo usoma umushinga wawe yumve ko washingiye ku makuru afatika kandi y’ukuri.

Umushinga wo gusaba inguzanyo muri banki

4) Ibikorwa by’umushinga

Iki ni igice cy’ingenzi cy’umushinga usaba inguzanyo muri banki. Muri iki gice ugaragaza ibikorwa byose uteganya gukora mu mushinga wawe. Ugaragaza ibikorwa uzakora, ukagaragaza uko uzabikora ndetse n’igihe uzabikorera.

Muri iki gice uvuga mu buryo burambuye ibikorwa by’umushinga wawe kuva ku gukora umushinga, kugeza igihe watangiye kugurisha no gucuruza ibicuruzwa cyangwa serivise zawe.

Aha tugiye gutanga urugero rw’ibikorwa biri mu mushinga w’ubworozi bw’inkoko zitera amagi twaguye mu minsi yashyize

IBIKORWA BITEGANYIJWE (Urugero)

SNIGIKORWAUKO KIZAKORWA (IBISOBANURO)IGIHE BIZAKORERWA  
1Gutegura no kwandika umushinga-Gushaka amakuru y’ibanze ku mushinga -Kwandika umushinga -Gutegura ingengo y’imari y’umushinga -Gutegura gahunda y’umushinga mu gihe cy’imyaka itanuKanama 2023
2Gushaka isambu (Kuyigura cyangwa kuyikodesha)-Hazashakwa isambu izubakwamo ibiraro. Nyuma yo kwagura umushinga isambu izongerwa ku buryo ubworozi buzafatanywa n’ubuhinzi bwa bimwe mu biryo by’inkokoNzeri 2023  
3Kubaka ibiraro  -Ibiraro bizubakwa mu buryo bwa kijyambere.Ukwakira-Ugushyingo 2023  
4Kugura ibikoresho bizakoreshwa mu bworozi  -Ibikoresho bikoreshwa mu kwita ku nkoko, kuzigaburira…Ukuboza 2023
5Gushaka abakozi-Hazashakwa abakozi bazakurikirana umushinga muri rusange n’abakurikirana inkoko zizororwa  Ukuboza 2023
6Kugura imishwi y’inkoko no gutangira ubworozi-Imishi izagurwa ku bacuruza imishwi. Mu ntangiriro tuzagura imishwi ariko nyuma y’imyaka ibiri tuzakora ituragiro.Mutarama 2024  
7Kugura inkingo n’imiti y’inkoko-Hazagurwa inkingo n’imiti bikenerwa n’inkoko zitera amagi kuva zikiri imishwi kugeza zirangije guteraGuhera muri Mutarama  2024
8Kugura/gukora ibiryo by’inkoko +amaziMuntangiriro hazagurwa ibiryo by’inkoko ariko nyuma y’umwaka umushinga hazagurwa imashini isya ikanatunganya ibyo kurya by’inkoko.  Guhera muri Mutarama 2024
9Gukurikirana umushinga.Gukora ibaruramari, gukora raporo….Guhera muri Mutarama 2024

5) Ingengo y’imari y’umushinga

Muri iki gice ugaragaza amafaranga buri gikorwa cy’umushinga kizatwara n’igiteranyo cya yose. Ayo mafaranga yose ubwo niyo ngengo y’imari y’umushinga. Mu kubara amafaranga y’ingengo y’imari y’umushinga usabwa kwirinda kurenza urugero cyangwa kugira amafaranga macye. Ni byiza ko amafaranga uteganya aba ahura neza n’ikiguzi cy’ibyo wagaragaje mu mushinga. Iyo ugize menshi cyane, banki ishobora kubona ko udasobanukiwe umushinga ugiye gukora. Iyo ugize macye cyane nabyo bigaragaza ko utazi ibyo ugiye gukora kandi no mu gihe wahabwa inguzanyo, hari igihe atabasha gukora umushinga nk’uko wabiteganyaga.

Aha reka dutange urugero tugendeye kuri wa mushinga w’ubworozi bw’inkoko twavuze haruguru:

INGENGO Y’IMARI Y’UMUSHINGA W’UBWOROZI BW’INKOKO (amafaranga akenewe)

1. ISAMBU, INYUBAKO, IBIRARO

IBIKENEWEINGANOIGICIRO CYA KIMWE (Frw)IGICIRO CYOSE (Frw)
Isambu2ha10,000,00010,000,000
Ibiraro by’inkoko21,500,0003,000,000
Inzu yo gukoreramo ibiryo11,000,0001,000,000
Ububiko (stock)11,000,0001,000,000
IGITERANYO (A)  15,000,000

2. IBIKORESHO

IBIKENEWEINGANOIGICIRO CYA KIMWE (Frw)IGICIRO CYOSE (Frw)
Uburiro (Ibyo kuriramo)2002,000400,000
Ibyo kunyweramo amazi2002,000400,000
Imbabura520,000100,000
Ibigega by’amazi2500,0001,000,000
Amajerakani52,00010,000
Ibitwara amagi (trailes)1,000300300,000
Ibikoresho by’isuku Estimate120,000
Imashini ikora ibiryo by’inkoko (grinding machine)14,000,0004,000,000
Imashimi irarira ikanaturaga (Egg incubator/hatching machine)14,000,0004,000,000
IGITERANYO (B)  10,330,000

3. KUGURA INKOKO (IMISHWI)

IBIKENEWEINGANOIGICIRO CYA KIMWE (Frw)IGICIRO CYOSE (Frw)
Kugura imishwi2,0002,000,0004,000,000
Transport1100,000200,000
IGITERANYO (C)  4,200,000

4. KUGABURIRA INKOKO (mu gihe cy’amezi 6 mbere y’uko zitangira gutera)

IBIKENEWEINGANO MU KWEZIIGICIRO CYA KIMWE (Frw)IGICIRO MU KWEZI (Frw)IGICIRO MU MEZI 6 (Frw)
Ibiryo by’inkoko mu mezi 64,000kg (estimate)3001,200,000  7,200,000
Amazi (100,000 L mu mezi 6)        10   1,000,000
IGITERANYO (D)     8,200,000

5. IMITI N’INKINGO

IBIKENEWEINGANOIGICIRO CYA KIMWE (Frw)IGICIRO CYOSE (Frw)
Imiti (yose hamwe) (estimate)600,000
Inkingo (zose hamwe) (estimate)1,200,000
IGITERANYO (E)  1,800,000

6. ABAKOZI (GUHEMBA ABAKOZI)

UMUKOZIUMUBAREUMUSHAHARA MU KWEZIUMUSHAHARA MU MEZI 6
Veterinnaire1120,000720,000
Abakozi ba buri munsi230,000*2=60,000360,000
Umuzamu140,000240,000
IGITERANYO (F)  1,320,000
IGITERANYO CYOSE  40,850,000 Frw

Ikindi gikomeye muri iki gice, nyuma yo kugaragaza amafaranga yose azakenerwa mu mushinga, ugaragza aho ingengo y’imari izava. Muri iki gice ugaragaza ayo ushaka nk’inguzanyo, ukagaragaza n’uruhare rwawe nka nyirumushinga.

SNAMAFARANGA AKENEWEINGANO (Frw)
1Amafaranga y’umushinga wose40,850,000
2Uruhare rwa nyirumushinga10,000,000
3Inguzanyo ya banki30,850,000

6) Kugaragaza uko umushinga uzunguka

Iki gice nacyo ni ingenzi. Kugira ngo banki yemere kuguha inguzanyo ni uko ugaragaza ko umushinga ugiye gukora uzunguka. Ibyo ubikora ugaragaza ibyo umushinga uzatwara ukagaragaza n’ibyo umushinga uzajya winjiza hanyuma ukagaragza inyungu izajya iboneka buri munsi, buri kwezi cyangwa buri mwaka bitewe n’ubwoko bw’umushinga wawe.

7) Kugaragaza uko inguzanyo izishyurwa

Ni byiza kandi ko ugaragagaza uko uzajya wishyura inguzanyo wahawe na banki. Ibi nabyo ni ingenzi mu mushinga usaba inguzanyo muri banki. Ugaraza igihe uzamara wishyura inguzanyo n’amafaranga uzajya wishyura buri kwezi.

Ibindi bice bigomba kujya mu mushinga uwo wari wo wose ni uko umushinga uzakurikiranwa, uburyo bwo kuwagura, uburyo bwo kwamamaza no kumenyakanisha ibikorwa byawo n’uruhare rw’uwo mushinga mu kubungabunga ibidukikije.

KANDA HANO UBONE INYANDIKO ZIGUFASHA GUTEGURA UMUSHINGA


KANDA HANO TUGUFASHE GUTEGURA UMUSHINGA

SOMA IZINDI NYANDIKO BIJYANYE

TWANDIKIRE CYANGWA UDUHAMAGARE

TELEFONE: +250785115126

Email: imbere2020@gmail.com

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