Soma ibirimo

Jya kuri meni ya kabiri

Reba urutonde rw'ibirimo

Abahamya ba Yehova

Ikinyarwanda

Umunara w’Umurinzi  |  Ugushyingo 2012

 Icyo wakora kugira ngo ugire ibyishimo mu muryango

Mu gihe mufite ideni

Mu gihe mufite ideni

Giannis: * “Ibibazo by’ubukungu by’u Bugiriki byatumye ubucuruzi bwanjye buhomba. Twabuze amafaranga yo kwishyura inzu n’andi madeni twarimo. Sinashoboraga gusinzira kubera imihangayiko.”

Katerina: “Inzu yacu twayubatse tuyikunze cyane ku buryo numvaga ntakwihanganira kuyitakaza. Jye na Giannis twajyaga impaka kenshi ku birebana n’uko twari kwishyura ideni twari dufite.”

IDENI rishobora guteza ibibazo mu muryango cyangwa rikaba ryanatuma usenyuka. Urugero, umushakashatsi witwa Jeffrey Dew yabonye ko iyo abashakanye bafite ideni, igihe bamaranaga kigabanuka, bagahora bashihurana kandi ntibagire ibyishimo. Usanga impaka zirebana n’ibibazo by’amadeni hamwe n’ibindi bibazo by’amafaranga zimara igihe kirekire ugereranyije n’ibindi bintu baganiraho, kandi zigatuma abashakanye bakankamirana, ndetse bakaba banarwana. Zishobora no gutuma bajya impaka ku bindi bibazo. Ntibitangaje rero ko kutumvikana ku bibazo by’amafaranga ari yo mpamvu ikomeye ituma abashakanye batana muri Leta Zunze Ubumwe za Amerika.

Nanone kandi, kugira amadeni menshi bishobora gutuma umuntu agira ikibazo cyo kubura ibitotsi, akarwara umutwe, igifu, umutima kandi akiheba. Umugore witwa Marta yaravuze ati “umugabo wanjye Luís yarihebye cyane bitewe n’umwenda twarimo, ku buryo yamaraga hafi umunsi wose aryamye. Umugabo wanjye niringiraga ko ashoboye, na we yari yananiwe.” Abantu bamwe na bamwe imihangayiko irabarenga bakananirwa kuyihanganira. Urugero, hari amakuru yo kuri BBC yavuze ko hari umugore wo mu burasirazuba bw’amajyepfo y’u Buhindi wiyahuye, kubera ko yananiwe kwishyura umwenda w’amadolari y’amanyamerika 840 (hafi 519.121 Frw). Yari yaragujije ayo mafaranga kugira ngo avuze abana be.

 Wakora iki mu gihe umuryango wanyu uhangayikishijwe n’ideni wafashe? Reka dusuzume bimwe mu bibazo abashakanye bakunze guhura na byo mu gihe barimo umwenda, kandi turebe amahame yo muri Bibiliya ashobora kubafasha guhangana na byo.

IKIBAZO CYA 1: Twitana ba mwana.

Lukasz yagize ati “nashinjaga umugore wanjye ko asesagura, na we akambwira ko twari kubona amafaranga ahagije iyo nza kugira akazi nkora mu gihe cy’umwaka wose.” Abashakanye bakora iki kugira ngo umwenda utabazanamo amacakubiri?

Ibanga ryo kugira icyo mugeraho: Mujye mushyira hamwe kugira ngo mukemure ikibazo cy’umwenda mwafashe.

Nubwo nta ruhare waba waragize mu gufata uwo mwenda, kurakarira uwo mwashakanye si byo bizakemura ikibazo. Birashoboka ko ubu ari bwo ukeneye cyane gukurikiza inama ya Bibiliya iri mu Befeso 4:31, igira iti “gusharira kose n’uburakari n’umujinya no gukankama no gutukana bive muri mwe rwose hamwe n’ububi bwose.”

Mujye murwana no kwishyura ideni aho kugira ngo mwe ubwanyu murwane. Umugabo witwa Stephanos yavuze ukuntu we n’umugore we bashyize hamwe, agira ati “twembi twabonaga ko ideni twarimo ari umwanzi wacu.” Uko gushyira hamwe guhuje n’ibivugwa mu Migani 13:10, hagira hati “ubwibone butera intambara gusa, ariko ubwenge bufitwe n’abajya inama.” Aho kugira ngo ubwibone butume ugerageza gukemura ibibazo by’amafaranga wenyine, ujye ubiganiraho n’uwo mwashakanye nta cyo umukinze hanyuma mufatanyirize hamwe kubikemura.

Abana banyu na bo bashobora kubafasha. Umugabo witwa Edgardo wo muri Arijantine yavuze uko babigenje mu muryango wabo, agira ati “umuhungu wanjye muto yashakaga ko tumugurira igare rishya, ariko tumusobanurira impamvu tutari kubishobora. Twamuhaye igare ryari irya sekuru, kandi yararyishimiye cyane. Byatumye niyumvisha akamaro ko gushyira hamwe mu muryango.”

MUGERAGEZE GUKORA IBI BIKURIKIRA: Mushake igihe cyo kuganira mutuje kandi nta cyo mukinganye ku birebana n’umwenda mwafashe. Mwemere amakosa mwaba mwarakoze. Ariko kandi, aho kwibanda ku byahise, mujye mugerageza kumvikana ku mahame muzakurikiza mu gihe kiri imbere ubwo muzaba mufata imyanzuro irebana n’amafaranga.—Zaburi 37:21; Luka 12:15.

IKIBAZO CYA 2: Iyo kwishyura ideni bisa n’aho bidashoboka.

Enrique yaravuze ati “ubucuruzi bwanjye bwatumye mfata ideni ry’amafaranga menshi. Kuryishyura byarushijeho kungora bitewe n’ibibazo by’ubukungu byabaye muri Arijantine. Hanyuma umugore wanjye yararwaye maze akenera kubagwa. Numvaga ntazashobora kwishyura uwo mwenda, mbese meze nk’uwafatiwe mu mutego ntashoboraga kwikuramo.” Umugabo witwa Roberto wo muri Burezili yatakarije amafaranga ye yose mu mushinga w’ubucuruzi yakoze, kandi yari afitiye amabanki 12 umwenda. Yaravuze ati “numvaga mfite isoni zo guhura n’incuti zanjye. Numvaga rwose byarandangiranye.”

Ni iki wakora niba wumva waracitse intege bitewe n’umwenda urimo, wicira urubanza cyangwa wumva ufite ikimwaro?

 

Ibanga ryo kugira icyo mugeraho: Mujye mumenya gucunga amafaranga yanyu. *

1. Mujye muteganya uko muzakoresha amafaranga yanyu. Mujye mwandika amafaranga yose mwinjije n’ayo mwakoresheje mu gihe cy’ibyumweru bibiri, cyangwa mu kwezi niba ari byo byarushaho kubafasha. Nanone murebe ayo mudatanga buri gihe, urugero nk’ayo mwishyura imisoro, ubwishingizi cyangwa ayo mugura imyambaro, maze murebe ayo mwatanga buri kwezi, hanyuma muyongere kuri ya yandi.

2. Ongera amafaranga winjiza. Jya ushaka ibiraka byiyongera ku kazi usanganywe, urugero nko kwigishiriza abana mu rugo, gukorera umuntu ubusitani cyangwa ushake ikintu wakorera mu rugo kikakuzanira amafaranga. Icyitonderwa: ujye uba maso kugira ngo ibyo ukora bitabangamira ibintu by’ingenzi cyane, urugero nka gahunda zawe z’iby’umwuka.

Mwese mu muryango mujye mureba icyabafasha kwishyura ideni

3. Mujye mugabanya umubare w’amafaranga mukoresha. Mujye mugura ikintu ari uko gusa mugikeneye, aho kukigurira ko mukibonye (Imigani 21:5). Enrique twigeze kuvuga yagize ati “kudahita  ugura ikintu ni byiza kuko bituma umenya niba ugikeneye koko cyangwa niba ari uko wumva gusa ugishaka.” Reka turebe ibindi bintu byabafasha.

  • Inzu: Niba bishoboka, mwimukire mu nzu yishyurwa make ku kwezi. Mujye mugabanya amafaranga ya za fagitire mwishyura, mukoresha neza amazi n’amashanyarazi.

  • Ibyokurya: Mujye mupfunyika aho kurya muri resitora. Mujye muhahira mu masoko ahendutse cyangwa mu maduka yagabanyije ibiciro. Joelma wo muri Burezili yaravuze ati “njya guhahira imbuto n’imboga ku masoko yo ku muhanda kuko iyo bagiye gutaha bagurisha make.”

  • Imodoka: Mugurishe imodoka mudakeneye kandi mufate neza iyo musigaranye aho kwihutira kugura igezweho. Mujye mutega tagisi cyangwa mugende n’amaguru igihe cyose mubishoboye.

Nimumara kugabanya amafaranga mukoresha, muzaba mushobora gucunga neza ayo musigaranye.

4. Mujye mumenya imiterere y’umwenda murimo maze mugire icyo mukora. Mbere na mbere, mujye mumenya inyungu musabwa kuri buri mwenda, amafaranga mwishyuzwa kuri buri kantu kose banki ibakoreye n’ingaruka zizabaho nimukererwa cyangwa mukananirwa kwishyura. Musuzume mwitonze amagambo yakoreshejwe mu nyandiko ibemerera umwenda, kubera ko abawutanga bashobora kubariganya. Urugero, hari ikigo cyo muri Leta Zunze Ubumwe za Amerika gitanga inguzanyo yishyurwa mu gihe gito, cyavugaga ko gisaba inyungu zingana na 24 ku ijana kandi mu by’ukuri zari 400 ku ijana.

Hanyuma mugene uko muzagenda mwishyura imyenda. Kimwe mu byo mwakora ni ukubanza kwishyura umwenda usaba inyungu nyinshi. Ikindi mwakora ni ukubanza kwishyura imyenda mito mito, kuko bishobora gutuma abo mwishyura buri kwezi bagabanuka, bityo ntimukomeze guhangayika cyane. Niba mufite umwenda usaba inyungu nyinshi, gufata undi usaba inyungu nkeya kugira ngo mwishyure uwa mbere bishobora kubafasha.

Noneho niba mudashobora kwishyura, mugerageze kumvikana n’uwo mubereyemo umwenda kugira ngo abahindurire uburyo mwamwishyuraga. Mushobora kumusaba ko yabongerera igihe cyo kwishyura cyangwa akagabanya inyungu yabasabaga. Bamwe mu batanga umwenda bashobora kwemera kuwugabanya niba umuntu ashoboye guhita yishyura amafaranga make afite. Mujye muvugisha ukuri kandi mugaragaze ikinyabupfura mu gihe mumusobanurira ibibazo by’amafaranga mwagize (Abakolosayi 4:6; Abaheburayo 13:18). Mujye mwandika amasezerano yose mugiranye. Niyo mu mizo ya mbere yabangira, nibiba ngombwa mumutitirize kugira ngo agire icyo ahindura.—Imigani 6:1-5.

Birumvikana ko mugomba gushyira mu gaciro mu birebana no gucunga amafaranga. Nubwo mwateganya uburyo bwiza bwo kuyacunga, bishobora kubananira bitewe n’ibintu mudashobora kugira icyo mukoraho, kuko akenshi amafaranga ‘yitera amababa nk’aya kagoma maze akaguruka yerekeza iy’ikirere.’—Imigani 23:4, 5.

MUGERAGEZE GUKORA IBI BIKURIKIRA: Nimumara kumenya amafaranga mubona n’ayo mukoresha, muganire uko buri wese mu muryango ashobora kugabanya ibyo agura, cyangwa akongera amafaranga umuryango  winjiza. Kubona ukuntu buri wese yigomwa bishobora kubafasha gushyira hamwe kugira ngo mwishyure umwenda.

IKIBAZO CYA 3: Ideni ridutwara ibitekerezo.

Guhatana kugira ngo mwishyure umwenda bishobora gupfukirana ibintu by’ingenzi kurushaho. Umugabo witwa Georgios yagize ati “ikibazo gikomeye twari dufite ni uko umwenda ari wo twari twarashyize mu mwanya wa mbere kuruta ibindi byose. Ibyagombaga kuza mu mwanya wa mbere ni byo twari twarashyize inyuma.”

Ibanga ryo kugira icyo mugeraho: Mujye muha amafaranga umwanya akwiriye.

Nubwo mwashyiraho imihati, mushobora kumara imyaka myinshi mwishyura abo mubereyemo umwenda. Hagati aho, mushobora guhitamo uko muzahangana n’imimerere murimo. Aho guhora dutekereza ku mafaranga, byaba byiza twumviye inama ya Bibiliya igira iti “niba dufite ibyokurya, imyambaro n’aho kuba, tuzanyurwa n’ibyo.”—1 Timoteyo 6:8.

Kunyurwa bizana ibyishimo umuntu adashobora guheshwa n’ubutunzi

Kunyurwa n’amafaranga mufite bizatuma ‘mumenya neza ibintu by’ingenzi kurusha ibindi’ (Abafilipi 1:10). Ibyo ‘bintu by’ingenzi kurusha ibindi’ bikubiyemo ubucuti mufitanye n’Imana n’abagize umuryango wanyu. Georgios twigeze kuvuga yagize ati “nubwo tutararangiza kwishyura imyenda dufite, ntitukireka ngo abe ari yo iza mu mwanya wa mbere. Ubu twarushijeho kugira ibyishimo mu muryango wacu kuko jye n’umugore wanjye tumarana igihe kinini, tukamarana igihe n’abana bacu, kandi tukamara igihe kinini muri gahunda zifitanye isano no kuyoboka Imana.”

MUGERAGEZE GUKORA IBI BIKURIKIRA: Mukore urutonde rw’ibintu mubona ko bifite agaciro nyakuri, ariko amafaranga akaba adashobora kubigura. Hanyuma, murebe uko mwakongera igihe n’imbaraga mukoresha muri ibyo bintu.

Ibibazo bituruka ku madeni bizana imihangayiko, kandi kubikemura bisaba kwigomwa. Icyakora, imihati ishyirwaho si imfabusa. Umugabo witwa Andrzej wo muri Polonye yagize ati “mu rugo rwacu havutse ibibazo bikomeye igihe namenyaga ko umugore wanjye yari yarishingiye undi mugore bakoranaga ubwo yafataga umwenda munini, hanyuma akaza kwigendera atishyuye.” Ariko kandi, yashubije amaso inyuma areba uko we n’umugore we babyifashemo, maze aravuga ati “mu by’ukuri, twarushijeho kunga ubumwe, bidatewe n’icyo kibazo cy’umwenda, ahubwo bitewe n’uko twashyize hamwe kugira ngo tugikemure.”

^ par. 3 Amazina amwe n’amwe yarahinduwe.

^ par. 17 Niba wifuza ibindi bisobanuro, reba ingingo ifite umutwe uvuga ngo “Uko wabaho ukurikije ubushobozi bwawe” yasohotse mu igazeti y’Umunara w’Umurinzi yo ku itariki ya 1 Kamena 2011, yanditswe n’Abahamya ba Yehova.

IBAZE UTI . . .

  • Nakora iki kugira ngo mfashe umuryango wanjye kwishyura umwenda?

  • Twakora iki kugira ngo umwenda turimo udafata umwanya wa mbere mu mishyikirano yacu cyangwa ngo uyangize?

IBINDI WAMENYA

IBIBAZO BISHINGIYE KURI BIBILIYA

Ese Bibiliya yadufasha gukemura ikibazo cy’amafaranga n’amadeni?

Amafaranga ntiyaguhesha ibyishimo, ariko hari amahame ane muri Bibiliya yagufasha gukoresha amafaranga neza.

NIMUKANGUKE!

Uko wakwirinda gusesagura amafaranga

Ntugasesagure amafaranga ngo wibuke ko ugomba kuyakoresha neza wamaze kuyamara. Menya uko wakwitoza gukoresha amafaranga neza mbere y’uko agushirana.