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
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.
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)
| SN | IGIKORWA | UKO KIZAKORWA (IBISOBANURO) | IGIHE BIZAKORERWA |
| 1 | Gutegura 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 itanu | Kanama 2023 |
| 2 | Gushaka 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’inkoko | Nzeri 2023 |
| 3 | Kubaka ibiraro | -Ibiraro bizubakwa mu buryo bwa kijyambere. | Ukwakira-Ugushyingo 2023 |
| 4 | Kugura ibikoresho bizakoreshwa mu bworozi | -Ibikoresho bikoreshwa mu kwita ku nkoko, kuzigaburira… | Ukuboza 2023 |
| 5 | Gushaka abakozi | -Hazashakwa abakozi bazakurikirana umushinga muri rusange n’abakurikirana inkoko zizororwa | Ukuboza 2023 |
| 6 | Kugura imishwi y’inkoko no gutangira ubworozi | -Imishi izagurwa ku bacuruza imishwi. Mu ntangiriro tuzagura imishwi ariko nyuma y’imyaka ibiri tuzakora ituragiro. | Mutarama 2024 |
| 7 | Kugura inkingo n’imiti y’inkoko | -Hazagurwa inkingo n’imiti bikenerwa n’inkoko zitera amagi kuva zikiri imishwi kugeza zirangije gutera | Guhera muri Mutarama 2024 |
| 8 | Kugura/gukora ibiryo by’inkoko +amazi | Muntangiriro hazagurwa ibiryo by’inkoko ariko nyuma y’umwaka umushinga hazagurwa imashini isya ikanatunganya ibyo kurya by’inkoko. | Guhera muri Mutarama 2024 |
| 9 | Gukurikirana 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
| IBIKENEWE | INGANO | IGICIRO CYA KIMWE (Frw) | IGICIRO CYOSE (Frw) |
| Isambu | 2ha | 10,000,000 | 10,000,000 |
| Ibiraro by’inkoko | 2 | 1,500,000 | 3,000,000 |
| Inzu yo gukoreramo ibiryo | 1 | 1,000,000 | 1,000,000 |
| Ububiko (stock) | 1 | 1,000,000 | 1,000,000 |
| IGITERANYO (A) | 15,000,000 |
2. IBIKORESHO
| IBIKENEWE | INGANO | IGICIRO CYA KIMWE (Frw) | IGICIRO CYOSE (Frw) |
| Uburiro (Ibyo kuriramo) | 200 | 2,000 | 400,000 |
| Ibyo kunyweramo amazi | 200 | 2,000 | 400,000 |
| Imbabura | 5 | 20,000 | 100,000 |
| Ibigega by’amazi | 2 | 500,000 | 1,000,000 |
| Amajerakani | 5 | 2,000 | 10,000 |
| Ibitwara amagi (trailes) | 1,000 | 300 | 300,000 |
| Ibikoresho by’isuku | Estimate | 120,000 | |
| Imashini ikora ibiryo by’inkoko (grinding machine) | 1 | 4,000,000 | 4,000,000 |
| Imashimi irarira ikanaturaga (Egg incubator/hatching machine) | 1 | 4,000,000 | 4,000,000 |
| IGITERANYO (B) | 10,330,000 |
3. KUGURA INKOKO (IMISHWI)
| IBIKENEWE | INGANO | IGICIRO CYA KIMWE (Frw) | IGICIRO CYOSE (Frw) |
| Kugura imishwi | 2,000 | 2,000,000 | 4,000,000 |
| Transport | 1 | 100,000 | 200,000 |
| IGITERANYO (C) | 4,200,000 |
4. KUGABURIRA INKOKO (mu gihe cy’amezi 6 mbere y’uko zitangira gutera)
| IBIKENEWE | INGANO MU KWEZI | IGICIRO CYA KIMWE (Frw) | IGICIRO MU KWEZI (Frw) | IGICIRO MU MEZI 6 (Frw) |
| Ibiryo by’inkoko mu mezi 6 | 4,000kg (estimate) | 300 | 1,200,000 | 7,200,000 |
| Amazi (100,000 L mu mezi 6) | 10 | 1,000,000 | ||
| IGITERANYO (D) | 8,200,000 |
5. IMITI N’INKINGO
| IBIKENEWE | INGANO | IGICIRO 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)
| UMUKOZI | UMUBARE | UMUSHAHARA MU KWEZI | UMUSHAHARA MU MEZI 6 |
| Veterinnaire | 1 | 120,000 | 720,000 |
| Abakozi ba buri munsi | 2 | 30,000*2=60,000 | 360,000 |
| Umuzamu | 1 | 40,000 | 240,000 |
| 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.
| SN | AMAFARANGA AKENEWE | INGANO (Frw) |
| 1 | Amafaranga y’umushinga wose | 40,850,000 |
| 2 | Uruhare rwa nyirumushinga | 10,000,000 |
| 3 | Inguzanyo ya banki | 30,850,000 |
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
TWANDIKIRE CYANGWA UDUHAMAGARE
TELEFONE: +250785115126
Email: imbere2020@gmail.com
