Ubucuruzi bw’imyaka ni umwe mu mishinga yunguka kandi iteza imbere abayikora. Ni umushinga udasaba igishoro gihambaye kandi ushobora gukorera no mu rugo. Mu nyandiko y’uyu munsi tugiye kureba amakuru y’ibanze ajyanye n’umushinga wo gucuruza imyaka.

Muri iyi nyandiko turavuga ibyiza byo gukora uyu mushinga, ingero z’imyaka wacuruza mu Rwanda, uko wakora ubucuruzi bw’imyaka, uko ubu bucuruzi bwunguka n’urugero rw’uko wakora ingengo y’imari y’uyu mushinga.

KANDA HANO TUGUFASHE GUTEGURA UMUSHINGA

SOMA IZINDI NYANDIKO BIJYANYE

Ibyiza by’umushinga wo gucuruza imyaka

Bimwe mu byiza byo gukora umushinga wo gucuruza imyaka ni ibi bikurikira:

-Ubucuruzi bw’imyaka ni umushinga ushobora gufatanya n’akandi kazi.

-Ni umushinga wakoresha igishoro icyo ari cyo cyose ufite.

-Ni umushinga wunguka cyane kandi vuba.

-Imyaka n’ibiribwa ni ibicuruzwa bitajya bibura abaguzi.

-Ni umushinga ushobora no gukorera mu rugo, bitagusabye kujya gukodesha iduka ryo gucururizamo;

-Nta bumenyi bundi buhambaye usaba.

Ni iyihe myaka wacuruza mu Rwanda?

Imyaka myinshi icuruzwa ni imyaka ibikwa igihe kinini cyangwa ihunikwa ariko umuntu ashobora gucuruza n’imyaka iribwa ako kanya cyangwa itabikwa igihe kinini.

IMYAKA IHUNIKWA CYANGWA IBIKWA

SN	IMYAKA
1	Ibishyimbo
2	Amasaka
3	Soya
4	Amashaza
5	Ibigori
6	Ubunyobwa
7	Uburo
8	Ibindi

IMYAKA IDAHUNIKWA IGIHE KININI

SN	IMYAKA
1	Ibijumba
2	Imyumbati
3	Ibirayi
4	Amateke y’ubwoko bwose
5	Imbuto z’ubwoko bwose
6	Imboga z’ubwoko bwose
7	Ibitoki by’ubwoko bwose
8	Ibikoro
9	Ibindi

Ni gute wakora ubucuruzi bw’imyaka?

Mu gucuruza imyaka ushobora guhitamo ubucuruzi bw’imyaka uhunikwa (ibikwa igihe kirekire) nk’ibishyimbo, ibigori, amasaka, soya n’ibindi cyangwa ubucuruzi bw’imyaka idahunikwa nk’ibijumba, ibirayi, ibitoki, imbuto zinyuranye, imboga n’ibindi byinshi.

Ushobora guhitamo kubicuruza byose cyangwa ugahitamo bimwe bitewe n’ubushobozi bwawe.

Ni gute ubucuruzi bw’imyaka bwunguka?

Ubucuruzi bw’imyaka buri mu mishinga yunguka. Ni umushinga udapfa hugomba kuko utanga inyungu mu buryo bworoshye ugereranyije n’indi mishinga. Ni umushinga ushobora kunguka amafaranga angana n’ayo washoyemo.

Urugero: Iyo ibishyimbo byeze, usanga abacuruzi b’imyaka bagura ikiro kimwe (1kg) cy’ibishyimbo ku mafaranga 500Frw. Ibyo bishyimbo babibika igihe gito, nyuma bakabigurisha ku mafaranga arenga 1000Frw. Uretse kubigurira imiti ituma bitamungwa no kubyanika rimwe na rimwe nta yandi mafaranga agenda kuri ibyo bishyimbo. Byumvikana ko byanze bikunze umucuruzi wabyo azunguka amafaranga atari munsi ya 400 ku kiro kimwe.

Uretse urwo rugero dutanze rw’ibishyimbo, ni nako bigenda ku yindi myaka nk’amasaka, ibigori, soya n’ibindi. Iyo ubashije kuyigura mu gice cy’umwero ukayibika igihe gito, nyuma uyigurisha ku mafaranga menshi.

Ingengo y’imari y’umushinga wo gucuruza imyaka

Imbonerahamwe zikurikira zigaragaza ingengo y’imari wakoresha kugira ngo ukore umushinga wo gucuruza imyaka.

A) IGISHORO

SN	ICYO AZAKORA	INGANO (FRW)
1	Igishoro	6,000,000
	IGITERANYO	6,000,000

Icyitonderwa: Aya mafaranga twagaragaje y’igishoro ni urugero twatanze. Ushobora gukoresha makeya kuri yo cyangwa ugakoresha arenze ayo twagaragaje. Amafaranga ufite ayo ari yo yose wayakoresha muri uyu mushinga.

B) AHO GUKORERA

SN	ICYO AZAKORA	INGANO (FRW)
1	Gukodesha inzu yo gukoreramo mu gihe cy’ umwaka	800,000
	IGITERANYO	800,000

Icyitonderwa: Bibaye na ngombwa wakorera aho uba. Uyu mushinga ushobora kuwukorera aho uba mu gihe byaba bitabangimiye imibereho yawe.

C) IBIKORESHO

SN	ICYO AZAKORA	INGANO (FRW)
1	Igare	120,000
2	Umunzani	40,000
3	Imifuka yo guhunikamo imyaka	30,000
4	Ibyo kwanikaho imyaka (ishitingi, imisambi,…)	15,000
5	Ibindi bikoresho	20,000
	IGITERANYO	225,000

D) IMITI YO KURWANYA IMUNGU

SN	ICYO AZAKORA	INGANO (FRW)
1	Imiti yo kuwanya imungu	50,000
	IGITERANYO	50,000

Uru ni urugero ruto rw’uko wakora ingengo y’imari y’umushinga wo gukora ubucuruzi bw’imyaka. Ushobora gukora umushinga munini kurushaho cyangwa ugakora umuto bitewe n’ubushobozi ufite.