Ese amafaranga yasimbuye urukundo, cyangwa urubyiruko rwabaye urunyakuri ku byo rushaka?

Hari igihe abantu bavuga ko urukundo rudashingiye ku mafaranga. Hari n’igihe abandi bavuga ko nta rukundo rubaho iyo amafaranga adahari. Hagati y’izo mvugo zombi ni ho hihishe impaka zimaze imyaka myinshi ziganirwaho, ariko muri iki gihe zikaba zarafashe indi ntera kubera ubuzima bukomeje guhenda, ubushomeri bwugarije urubyiruko n’ingaruka z’imbuga nkoranyambaga zashyizeho ishusho nshya.

Iyo abasore n’inkumi bahuriye ku ntebe y’ishuri cyangwa bombi badafite akazi, usanga urukundo rwabo rutangirana inzozi, ibiganiro birebire, guherekeza mugenzi wawe, gusangira utuntu duke no gusezeranya kuzubakana nibamara kwiteza imbere. Muri icyo gihe amafaranga aba atari yo ngingo y’ibanze, kuko bombi baba bazi ko nta n’umwe uyafite. Buri wese aba yiteze ejo hazaza heza, kandi urukundo rukubakirwa ku cyizere aho kubakirwa ku bushobozi bw’amafaranga.

Nyamara uko imyaka igenda ishira, ubuzima butangira guhinduka. Ishuri rirarangira, inshingano zikiyongera, inshuti zitangira gukora, abandi bagatangira gushyingirwa, imbuga nkoranyambaga zikuzura amashusho y’abakundana batembera mu mahoteli ahenze, bahabwa impano zihenze, bakajya mu biruhuko, bagafotorwa mu buzima busa n’ubutunganye. Muri uwo mwanya ni bwo urukundo rwinshi rutangira kugeragezwa n’ikintu abantu benshi batigeze baha agaciro igihe barutangizaga: amafaranga.

Hari abakobwa bavuga ko badashaka umusore ukize, ahubwo bashaka umuntu ushoboye kubitaho. Hari n’abasore bavuga ko umukobwa ubakunda by’ukuri akwiriye kubihanganira kugeza igihe baziteza imbere. Ariko ikibazo kiba kiri hehe? Ikibazo ni uko buri ruhande rushobora kuba ruvuga ukuri, ariko rukareba ikibazo mu ndorerwamo yarwo.

Umusore ushaka kubaka ejo hazaza ashobora kubona amafaranga make akayashyira mu kwizigamira, kwishyura amahugurwa, gutangiza umushinga cyangwa gushaka ikindi cyamuteza imbere. Mu mutima we aba yumva ari kubaka ubuzima buzagirira akamaro bombi mu gihe kiri imbere. Ariko uwo mukobwa ashobora kuba abibona ukundi. Ashobora kumva niba umusore amukunda koko yakagombye no kumugaragariza urwo rukundo mu buryo bugaragara, nko kumutumira ngo basohoke, kumugurira impano rimwe na rimwe cyangwa kumwoherereza amafaranga yo gukora utuntu tumwe na tumwe. Iyo ibyo bidahari, bamwe batangira kwibaza niba bagikundwa.

Aho ni ho usanga ikibazo kidaturuka ku kubura amafaranga gusa, ahubwo gituruka ku buryo buri ruhande rusobanura urukundo. Hari abemera ko urukundo rugaragarira mu magambo, igihe mugirana n’undi no kumuba hafi. Hari n’abemera ko urukundo rugomba kugira ibikorwa bifatika biruherekeza, kandi muri ibyo bikorwa amafaranga akagira uruhare.

Abahanga mu by’imibanire bakunze kuvuga ko abantu bagaragaza urukundo mu buryo butandukanye. Hari ubona ko amagambo meza ahagije, undi akabona impano ari zo zigaragaza urukundo, undi akifuza ko mugirana umwanya uhagije. Iyo abakundana batumva ko buri wese agaragaza urukundo mu buryo bwe, bishobora kubyara amakimbirane. Umusore ashobora kuvuga ati “ndi gukora cyane kugira ngo tuzabone ubuzima bwiza,” mu gihe umukobwa yumva ko imyaka ibaye myinshi nta kimenyetso na kimwe cy’urukundo agaragarizwa muri iki gihe.

Ibi birushaho gukomera kubera igitutu cy’imibereho. Ubu urubyiruko rubona ubuzima bw’abandi buri munsi ku mbuga nkoranyambaga. Hari amashusho y’impano zihenze, indabo, imodoka, ingendo zo mu mahanga n’ibirori bidasanzwe. Nubwo benshi baba batazi uburyo ubwo buzima bubaho cyangwa niba bugaragara uko buri, usanga bwashyizeho igipimo gishya cy’ibyo bamwe bita urukundo. Umuntu utabasha kugendana n’icyo gipimo ashobora kumva adahagije, mu gihe uwo bakundana na we ashobora gutangira kwibaza impamvu abandi babasha gukora ibyo we atabona.

Ariko se koko amafaranga ni yo yishe urukundo?

Igisubizo si yego cyangwa oya gusa.

Mu by’ukuri, amafaranga ashobora gusenya urukundo iyo ahindutse igipimo cyonyine cyo gupima agaciro k’umuntu. Iyo umuntu atangiye gukundwa kubera ibyo atunze aho gukundirwa uwo ari we, umubano uba wubatse ku kintu gishobora guhinduka umunsi uwo ari wo wose. Iyo akazi kabuze, ubucuruzi bugahomba cyangwa ibibazo by’ubukungu bikaza, urwo rukundo na rwo rushobora guhita rusenyuka.

Ariko nanone kuvuga ko amafaranga nta ruhare afite mu rukundo ni ukwibeshya. Ntawarya urukundo. Ntawarwishyura inzu, ubwisungane, ubwikorezi cyangwa ubuzima bwa buri munsi akoresheje amagambo meza gusa. Iyo abakundana bageze ku rwego rwo gutekereza kubana, amafaranga aba kimwe mu bintu by’ingenzi bibafasha kubaho neza. Ni yo mpamvu abantu benshi bavuga ko urukundo rutagira amafaranga rugorana, atari ukubera ko amafaranga asimbura urukundo, ahubwo kubera ko yoroshya inshingano z’urugo.

Hari n’ikindi kibazo kidakunze kuvugwa. Bamwe mu basore bumva ko kuba bafite gahunda yo kubaka ejo hazaza bihagije kugira ngo abakobwa babategereze imyaka myinshi. Ariko rimwe na rimwe ntibajya baganira n’abo bakundana ngo babereke aho bageze n’icyerekezo bafite. Umukobwa akabona imyaka irashize nta mpinduka, akumva yasezerewe mu nzozi z’undi muntu. Ku rundi ruhande na bwo hari abakobwa bapima urukundo ku mubare w’impano bahawe cyangwa amafaranga bohererejwe, bakibagirwa ko hari abasore baba bafite ubushobozi buke ariko bafite intego yo kubaka ubuzima burambye.

Ikibazo rero si amafaranga ubwayo. Ikibazo ni ukutumvikana ku byo buri wese yiteze mu rukundo. Iyo umwe atekereza ejo hazaza undi akabaho muri uyu munsi gusa, amakimbirane aba hafi. Iyo umwe yumva gutanga impano ari ikimenyetso cy’urukundo, undi akumva kubitsa amafaranga ari byo bizubaka urugo rw’ejo, bombi bashobora kuba bafite intego nziza ariko bakazisenya kubera kubura ibiganiro byimbitse.

Hari imibanire myinshi yasenyutse atari uko amafaranga yaburaga, ahubwo kubera ko haburaga ukwizerana. Hari n’iyakomeye nubwo amafaranga yari make, kubera ko abakundana bumvikanaga ku rugendo barimo kandi buri wese akumva aho undi ashaka kubageza. Iyo abantu bumvikanye ku ntego, ubukene bushobora kuba ikibazo cy’igihe gito. Iyo batabyumvikanyeho, n’ubukire ubwabwo ntiburinda gutandukana.

Urubyiruko rw’iki gihe rukeneye gusobanukirwa ko gukunda umuntu bidasobanura kwikuraho inshingano zo kwiyubaka. Umusore akwiriye kumenya ko kwita ku mukunzi we bitarangirira ku magambo gusa, kuko ibikorwa na byo bifite agaciro uko ubushobozi bungana kose. Umukobwa na we akwiriye kumenya ko kuba umusore adashobora gutanga impano zihenze cyangwa amafaranga buri gihe bitavuze ko atagukunda. Hari igihe aba ari kubaka ejo hazaza azifuzamo ko mwese muzabamo neza.

Urukundo ntirupimirwa ku mubare wa ticket, impano cyangwa amafaranga wohererejwe kuri telefone. Ariko nanone ntirubaho mu isi itagira ibibazo by’ubukungu. Ukuri guherereye hagati. Amafaranga si yo akora urukundo, ariko ashobora kurukomeza cyangwa akarugerageza bitewe n’uburyo abakundana bayafata.

Ahari ikibazo gikomeye kurusha ibindi ni uko bamwe batangiye kwitiranya gutanga n’urukundo, abandi bakitiranya kuzigama no kutita ku mukunzi. Ibyo byombi ni amakosa ashobora gusenya umubano wari ufite amahirwe yo kuramba.

Iyo urebye uko urubyiruko rubayeho muri iki gihe, biragoye kuvuga ko amafaranga yasimbuye urukundo. Icyo umuntu yavuga ni uko amafaranga yabaye ikizamini gikomeye cyerekana niba abakundana bumvikana ku nzozi zabo, ku ndangagaciro zabo no ku buryo bashaka kubaka ubuzima bwabo. Urukundo rudasobanukiwe uruhare rw’amafaranga rushobora gusenyuka, ariko n’urukundo rwubakiye ku mafaranga gusa na rwo ntiruramba.

Birashoboka rero ko ikibazo atari uko urubyiruko rwahisemo amafaranga aho guhitamo urukundo. Ahubwo ikibazo gikomeye ni uko abantu benshi bataramenya gutandukanya agaciro k’umuntu n’agaciro k’ibyo atunze, bityo urukundo rugahora rugeragezwa n’ikintu cyakagombye kuba igikoresho cyo kubaka ubuzima, aho kuba ari cyo gipima uburemere bw’amarangamutima. Bana natwe umunsi ku munsi, ujye ubona inkuru nk’izi nyinshi https://whatsapp.com/channel/0029Vad5UfC89inh67apBK2j