Kuki abakene bakomeza bagakena n’abakire bagakomeza gukira?

May 19, 2015


Kugeza ubu, ku Isi abantu barenga miliyari eshatu batunzwe n’amadorali ari munsi y’abiri (2$) ku munsi. Ibiganiro mpaka byinshi ku isi bijya bibaho bifite insanganyamatsiko igira iti: “Kuki abakire bakomeza gukira cyane, naho abakane bagakomeza gukena cyane?”.

Abakene badakorana Intego bakomeza gukena cyane. N’ubwo abantu benshi batanga ibisobanuro bitandukanye mu rwego rw’iyobokamana, politiki n’imibanire y’abantu, twe turibanda ku mpamvu z’ubukungu.

Umuherwe Warren Buffet uri mu bakize cyane ku Isi yagize ati: “Nukomeza kugura ibintu udakeneye, vuba cyane uzisanga urimo kugurisha ibyo wari ukeneye”. Abantu benshi batanga ibisobanuro bitandukanye mu nzego nazo zitandukanye mu gusobanura iki kibazo. Urugero, mu rwego rwa politiki, benshi bavuga ko abanyafurika bakena bitewe n’intambara z’urudaca ziba zarasembuwe n’ibihugu by’abera kugira ngo bigarurire ubukungu bwabo.

Mu rwego rw’iyobokamana, benshi batanga ibisobanuro ko ari Imana itanga umugisha, ariko ibi n’abandi bakabivugaho bati: “Ese Imana yo ntifasha uwifashije?” Abandi bavuga ko ari amahirwe mu buzima umuntu aba yaragize. Abahanga kuri iyi si mu by’ubukungu ndetse n’imenyamuntu, bemeza ko byose ari mu mutwe w’umuntu bipfira.

Dusobanukirwe n’ibikubiye mu ipfundo ry’ibice 3 by’ubukungu abantu babarizwamo: A, B na C Tugendere ku nyito y’ibice 3 bikubiyemo abantu bose bo ku isi A, B na C biratuma dusobanukirwa neza n’impamvu abantu bakomeza gukena n’abandi bagakira. Ese ibi byiciro by’abantu byifashe gute?

Icyiciro cya A

Iki gice cy’abantu tugishyiremo abantu batinjiza igiceri na kimwe mu kwezi. Mbese nta kazi bagira nta na business bakora. Ni abakene ariko ubona babaho, bambaye (rimwe na rimwe cyangwa kenshi neza) barya batega…

Icyiciro cya B

Iki gice tugishyiremo abantu basanzwe bafite akazi baba abari muri Leta cyangwa se mu bigo byigenga.

Icyiciro cya C

Iki gice tugishyiremo abacuruzi bakora business zinjiza amafaranga ndetse ibi akaba ari nabyo bitunze ingo zabo. Aba ni abo hanze aha bakunze kwita abakire. Ese kuki abantu bari muri ibi byiciro batajya babivamo?

Akenshi abantu bari muri iki gice cya A, baba barangwa no gukoresha amafaranga yose babonye mu bintu bakeka ko bifite akamaro. Urugero: kugaburira ingo zabo, kugura imyenda n’inkweto, ndetse no kwishyurira abana babo amafaranga y’ishuri ndetse n’ibindi bigaragara ko ari nkenerwa koko. Ese ko nta faranga na rimwe binjiza bakoreye baba bayakuye he? Akenshi usanga ari abagiraneza cyangwa abavandimwe n’imiryango baba babahaye kuri utwo dufaranga bigatuma babasha gutunga umuryango.

Impamvu batajya batera imbere: bahora basohora amafaranga ntibizigamire ngo bazashore nyuma mu bintu bibinjiriza amafaranga. Babona amafaranga batavunikiye bityo icyizere kikaba cyose ko bazabona andi. Ntibatinya ko ejo atazaboneka bityo bayakoresha batitaye ku kuvuga ngo nashira bizagenda bite?

Aba rero ntibatera bimbere akenshi. Umubare munini wa bene aba uba mu bihugu bimeze nk’u Rwanda. Abantu bari mu cyirico cya B b’abakozi biragorana cyane nabo ngo batere imbere kubera izi mpavu: Bahora bafite ibibazo byinshi bibugarije harimo n’ibyo batezwa n’abo mu kiciro A, n’ibindi byabo nko guhahira umuryango, kwishyurira abana amafaranga y’ishuri, gutembera, ndetse n’ibindi.

Ikindi kirenze kuri ibi ni uko usanga niba ahembwa amafaranga 100,000 ku kwezi (Cyangwa arenzeho), usanga akoresha 150,000! Ibi biba bisobanura ko arinda kujya kuguza amafaranga kugira ngo abone igitunga umuryango.

Ikindi kibazo cy’aba bantu babarizwa muri iki cyiciro cy’ubukungu, ni uko baba bafite amadeni ya banki y’inzu, imodoka baguze batararangiza kwishyura ndetse n’ibindi. Ibi bituma batajya barenga aha bigatuma bahora hamwe gusa.

Abantu babarizwa mu cyiciro cya C, baba ari abantu b’inararibonye ndetse ari na ba
rwiyemezamirimo. Ni gacye cyane ifaranga ryabo rigenda mu bintu bitazana inyungu,
niyo rimucitse usanga ashaka aho akura iririsimbura.

Niba asohoye amafaranga, araba ari ayo kugura nk’isambu cyangwa gufungura salon de coiffure, akabari cyangwa se resitora igaburira abantu, cyangwa se business y’ubwikorezi bw’abantu n’ibyabo. Aba bo muri iki kiciro igihe cyose bahora bafite inyota y’amafaranga bigatuma banagira umuhate ukomeye mu kuyashaka.

Ikiciro cya A usanga kinenga cyane aba bo muri C kuko ngo ntacyo babamarira (iyo bafitanye amasano cyangwa ubucuti) kandi ngo aribo bashoboye. Ntayindi mpamvu ni uko nta faranga ryabo rigenda rityo gusa, yego si bose, ariko hafi ya bose ngo niko bameze.

Kumenya icyo bakoresha ifaranga ryabo, no kurigura icyangombwa bakeneye (Nk’uko Warren Buffet abivuga) niryo zingiro ry’iterambere ryabo.

Ese ni gute wakira?

Tangira uyu munsi uharanira kujya mu cyiciro cya C. Niba ufite akazi ugatangira kugura ibintu bidafite akamaro, ntibizatera kabiri uzisanga uri mu cyiciro cya A cy’abakene bahora bagaya abo mu kiciro cya C. Uramutse wifuza kwinjira mu cyiciro cya C, hari impanuro zitangwa: Iyo ufite udufaranga duke, gerageza utubike neza.

Menya ko hari abantu benshi bagiye batangirira kuri bike cyane bakagera kuri za miliyoni nyinshi. Icy’ingenzi ni ukugira intego n’umurongo mu buzima, uyikomeyeho ayigeraho. Menya kuva uyu munsi ko niba ukennye, ubifitemo uruhare rukomeye kurusha Leta, abo mu kiciro cya C, ababyeyi bawe n’abandi bose ushobora gushinja ubukene bwawe. Kora cyane urye ducye (ntusesagure) kugirango uve mu kiciro urimo ube wanagera mu kiciro cya C.

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