Imyitozo yakoreshwa mu - PowerPoint Presentation

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Imyitozo yakoreshwa mu mahugurwa kuri jenda no mu bijyanye n’ubumenyi bw’amafaranga (financial literacy )

Urabona

amashusho

menshi

ashobora

gukoreshwa

n’umufashamyumvire

uhugura

abaturage

ku

bumenyi

bw

’amafaranga

(

financial literacy).

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Mu ikoreshwa ry’amashusho wirinda gusobanura cyane. Uyereka abahugurwa warangiza ukababaza uti: “Niki mubona kuri iki gishushanyo?” Ibi bituma abahugurwa bavuga bakanatanga ibitekerezo kubyo babona. Ubu ni uburyo bwiza bwo gutangira ikiganiro. Umaze gutangiza ikiganiro, shyira abantu mu matsinda ubahe ibibazo byo kuganiraho. Twatanze ingero z’ibibazo byagendana n’amashusho. Nyuma yo kuganira mu matsinda, abahugurwa muri rusange basangize abandi ibyo baganiriyeho mu matsinda. Mu gusoza ikiganiro vuga muri make ibyaganiriweho n’ isomo ryo gutahana.Uko wabikoresha

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Ni iki mubona kuri iki gishushanyo?Wakora iki ngo amafaranga yawe abikwe ahantu hizewe?Ni ubuhe buryo abantu babikamo amafaranga mu gace utuyemo?Ni izihe nyungu cyangwa igihombo kiri mu kubika amafaranga mu rugo?Ni izihe nyungu cyangwa igombo kiri mu kubika amafaranga kuri konti yawe muri SACCO?Ese hari ubundi buryo bwo kubika amafaranga yawe?Bika amafaranga yawe ahantu hizewe

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Ni iki mubona kuri iki gishushanyo?Mu muryango wawe, ninde ushinzwe gukurikirana uko amafaranga akoreshwa?Ninde ufite uburenganzira bwo kubikuza amafaranga ari kuri konti muri SACCO?Ninde ugena uburyo konti iri muri SACCO ikoreshwa mu muryango wawe?Mwateganije ko ari inde uzajya ugena uburyo amafaranga akoreshwa mu muryango?Ese hari itandukaniro riri mubyo umugabo n’umugore bakora?N’ukubera iki mwabihisemo mutyo?Ese haba hari ubundi buryo bwiza bwo kubikora?

G

ucunga

neza

imari

y’umuryango

ni

inshingano

z’umugore

n’umugabo

.

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Niki mubona kuri iki gishushanyo?Ninde ushobora kubitsa muri SACCO?Ese abakene nabo bagana SACCO?Sobanura igisubizo utanze?Ese abakire nabo bagana SACCO?Sobanura igisubizo utanze?SACCO niya bakire n’abakene

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Niki mubona kuri iki gishushanyo?Ese uzi ibiciro n’imirongo ngenderwaho bya SACCO yawe?Ni izihe serivise za SACCO ukoresha?Ese SACCO yaba yarakumenyeshe ibiciro bya serivisi baguha? Niba barabikoze, babikoze bate?Ese uzi amafaranga bagukata iyo ubikuje ?Ese uzi amafaranga bakungukira kuko ubitsayo?Niba adafite ayo makuru, waba uzi uburyo wayabona?Ibiciro bya serivisi SACCO itanga

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Ni iki mubona kuri iki gishushanyo?Ese wigeze ugura ikintu utakiziho amakuru neza?Ese birakorohera kubaza SACCO iyo hari ibyo udasobanukiwe?Ni ibihe bibazo by’ingenzi ugomba kubaza iyo usaba inguzanyo? (Kora urutonde rw’ibibazo)Ni iki wakora mu gihe utanyuzwe n’ibisubizo by’ibibazo wabajije?Ese iyo ugiye gusaba inguzanyo, urijyana cyangwa ujyana n’inshuti cyangwa uwo mwashakanye?Inyungu ziri mu kubaza ibibazo

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Niki mubona kuri iki gishushanyo?Ese ukora ingengo y’imari mu muryango wawe?Nihe mukura amafaranga atunga umuryango?Ni iki mukoresha amafaranga mu muryango wawe?Ingengo y’imari ni iki?Ese ni ayahe makuru ingengo y’imari itanga?Ese ingengo y’imari muyiganiraho n’abo mwashakanye? Ninde ufata ibyemezo?Garagaza uburyo wakoresha ngo utajya kure/udakora ibitari mu ingengo y’imari wateguyeInyungu ziri mu gukora ingengo y’imari

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Ni iki mubona kuri iki gishushanyo? Kwizigamira ni iki?Ese ujya wizigamira?Ni izihe nyungu ziri mu kwizigamira?Ese kwizigamira birakomeye? Niba ari yego, sobanura impamvu. Niba ari oya ubigenza ute?Ese twakora iki ngo dukureho imbogamizi ziri mu kwizigamira?Ibyo umufasha myumvire agomba kumenya:Iki gishushanyo cyakoreshwa kigaragaza uburyo bune bwo Kwizigamira( Kuzigamira ibyo wateganije (expected future events), kuzigamira ibyo utateganije (unexpected future events), Kuzigamira intego z’igihe kirekire( long term goals), kuzigama mu mitungo

itimukanwa

(building

assets)

Inyungu

ziri

mu

kwizigamira

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Ni iki mubona kuri iki gishushanyo?Ese hari imirongo ngenderwaho ukurikiza iyo uri kwizigamira?Ugena ute amafaranga wizigamira?Ni iki ukoresha amafaranga yawe?Ese uzigamira impamvu runaka cyangwa uzigama kuko ugomba kuzigama?Ese mu muryango buri wese arizigamira?Tubwire uko mubigenza.Ese ni ubuhe buryo bwiza utekereza ko byagakozwemo?Ibyo umufashamyumvire agomba kumenya: Iki gishushanyo wagikoresha werekana itegeko rya 10/ 20/ 70 r. 10% ni ayo

kuzigamira

igihe

kizaza

, 20%

ni

ayo

gukoresha

mu

gutwerera

,

gukemure

ibigutunguye

,

kwishyura

inguzanyo

naho

70%

ni

ayo gukoresha mu buzima bwa buri munsi.

Zigama

mbere

y’uko

ukoresha

amafaranga

,

aho

kuzigama

ibyo

usigaje

–

Menya

gukoresha

itegeko

rya

10/20/70

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Ni iki mubona kuri iki gishushanyo?Ese ukora financial plan? Niba uyikora dusangize uburyo ubikoramo?Ni izihe ntego z’umuryango wawe?Ni iki wakora ngo uzigereho?Financial plan ni iki?Ni izihe nyungu ziri mu kugira financial plan?Ese ukora financial plan n’uwo mwashakanye? Sobanura impamvu y’igisubizo cyaweNi izihe nyungu ziri mu gukora financial planning yo mu rugo ufatanyije n’uwo mwashakanye?Gukora financial plan kugirango ugere ku ntego zawe

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Ni iki mubona kuri iki gishushanyo?Inguzanyo ni iki?Ni izihe mpamvu nziza zatuma usaba inguzanyo?Ni izihe mpamvu zitari izo zatuma usaba inguzanyo?Ni izihe nshingano z’uwasabye inguzanyo?Ni irihe tandukaniro riri hagati y’amafaranga yawe n’ayo wagujije?Ni iyihe nyungu iri mu gusaba inguzanyo? Ni ikihe gihombo kiri mu gusaba inguzanyo?Ibyo umufashamyumvire agomba kumenya: Iki gishushanyo cyerekana abantu basabye inguzanyo yo kugura imfumbire.

Igihe

cyo

kwishyura

kigeze

bishyura

inguzanyo

bongeraho

n’inyungu

(

witegereje

neza

ibikapu

bavuye

gusaba inguzanyo n’ibyo bafite bagiye kuyishyura biratandukanye

).

Bakoreshejeje

inguzanyo

yabo neza.

Inguzanyo

ni

iki

?

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Ni iki mubona kuri iki gishushanyo?Waba warigeze usaba inguzanyo? Niba warayifashe, wayikoresheje ute?Ni irihe tandukaniro riri mu gukoresha mafaranga wizigamye n’ayo wagujije?Ese ujya ukoresha amafaranga wizigamye bitandukanye ni mpamvu wayazigamiye?Ese ujya ukoresha amafaranga wagujije bitandukanye n’impamvu wayagujije?Ese ujya utongana n’uwo mwashakanye ku ikoreshwa ry’amafaranga? Niba bijya biba wabyirinda ute?Inyugu ziri mu gukoresha inguzanyo icyo wayisabiye

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Ni iki mubona kuri iki gishushanyo?Iyi nteruro uyumva ute “gufata inguzanyo bingana no gufata risk”?Tekereza ko ko wasabye inguzanyo. Ni ibiki bitunguranye byaba bikakubuza kwishyura inguzanyo ku gihe?Ni iki wakora ngo ugabanye risk zatuma utishyura inguzanyo ku gihe?Wateganya amafaranga angana iki y’ibishobora kuba bigutunguye?Gufata inguzanyo= Gufata risk

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Ni iki mubona kuri iki gishushanyo?Ingwate ni iki?Ni kubera iki SACCO zaka ingwate iyo umuntu asabye inguzanyo?Ni iyihe mitungo yawe yafatwa nk’ingwate mu gihe usabye inguzanyo?Ni iyihe mitungo watangaho ingwate mbere? Ni iyihe watangaho ingwate wabuze uko ugira?Kubera iki?Ingwate

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Ni iki mubona kuri iki gishushanyo?Ese ni iki wakora mu gihe ubona ko kwishyura ku gihe bigiye ku kunanira?Ni iki cyatuma umuntu atabasha kwishyura inguzanyo?Ese utekereza ko SACCO ibigenza ite iyo uyibwiye ko ubona bikugoye kwishyurira ku gihe?Ese waba uzi umuntu utarashoboye kwishyurira ku gihe? Byagenze bite?Ibyo umufashamyumvire agomba kumenya: Icyo dushaka kuvuga aha nuko SACCO igerageza gufasha umukiriya bamwongerera igihe cyo kwishyura

aho

guhita

bagurisha

ingwate

yatanze

ako

kanya

Ugize

ikibazo

mu

kwishyura

,

menyesha

SACCO

mubiganireho

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Ni iki mubona kuri iki gishushanyo?Ese ni ngombwa kwigisha abana kwizigama?Ni iyihe mpamvu kwigisha abana bawe kwzigamira ari ingenzi?Ese wigisha abana bawe kuzigama? Ubibigisha ute?Ni ubuhe buryo bwiza bwo kwigisha abana kwizigamira?Igisha abana bawe kuzigamira intego

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Kanda hano amashusho. Ushobora kuyashyira kuri mudasobwa yawe (download), Ushobora kuyacapa( print) cyangwa ugakoresha mugaragaza nini(screen) mu gihe uri gutanga amahugurwa. Umufashamyumvire yemerewe kugira ibyo yongeramo byamufasha mu mahugurwa kugira

ngo

arusheho

kugenda

neza

.

Yakongeramo

ibibazo

,

amashusho

n’ibindi

.

Amashusho