Impamvu zitera ifaranga ry’ibihugu biri mu nzira y’iterambere guta agaciro.

Ifaranga ni inkingi y’ubukungu bw’igihugu. Rikoreshwa mu kugura, kugurisha no kubika agaciro k’umutungo. Agaciro k’ifaranga kagaragaza ubushobozi igihugu gifite ku masoko mpuzamahanga no mu mibereho y’abaturage,Mu myaka yashize, ibihugu byinshi biri mu nzira y’iterambere byahuye n’ikibazo cyo guta agaciro kw’ifaranga. Ibi byateye izamuka ry’ibiciro, ubuzima burushaho guhenda ndetse n’ubukungu buradindira.

Raporo za International Monetary Fund (IMF) na World Bank zigaragaza ko ibihugu byinshi byo muri Afurika, Asia na Amerika y’Amajyepfo bikomeje guhura n’iki kibazo bitewe n’imyenda myinshi, inflation, ubucuruzi budahagaze neza ndetse no kugabanuka kw’ishoramari ry’amahanga.

Ifaranga risobanuye iki mu bukungu bw’igihugu.

Ifaranga ni uburyo bwifashishwa mu guhererekanya agaciro no gukora ubucuruzi. Ni na bwo bupima ubushobozi bw’ubukungu bw’igihugu,Iyo ifaranga rikomeye, igihugu kibasha kugura byinshi hanze. Iyo rita agaciro, ibiciro by’ibikomoka hanze birazamuka.

Agaciro k’ifaranga gaterwa n’ibintu birimo:

●Umusaruro igihugu gifite.

●Ibyoherezwa mu mahanga.

●Amadovize igihugu cyinjiza.

●Icyizere cy’abashoramari.

●Politiki ya Banki Nkuru ikoreshwa mu gucunga neza amafaranga.

Uko ifaranga rita agaciro.

Ifaranga rita agaciro iyo amafaranga y’igihugu aba adashobora kugura ibintu bingana n’ibyo yaguraga mbere.Urugero, niba idolari rimwe ryavunjwaga amafaranga 1,000 y’u Rwanda rikagera kuri 1,500 Frw, bivuze ko ifaranga ry’u Rwanda ryataye agaciro.Agaciro k’ifaranga gaterwa n’ibintu birimo:Iyo ifaranga rikomeye, igihugu kibasha kugura byinshi hanze. Iyo rita agaciro, ibiciro by’ibikomoka hanze birazamuka.

Ingaruka zo guta agaciro kw’ifaranga.

●Ibiciro by’ibiribwa birazamuka

●Transport irahenda

●Ubushobozi bwo kwizigamira buragabanuka

●Imyenda yo hanze iba myinshi

●Ubukungu buradindira

●lshoramari riragabanuka

Ingamba zo kuzamura agaciro k’ifaranga.

Hari ingamba nyishi zikunze kwifashishwa n’bihugu byahuye nihungabana ry’ubukungu by’umwihariko ibihugu biri munzira y’iterambere; Abahanga bagaragazako mugihe izo ngamba zikoreshejwe neza ntakabuza ifaranga ryongera kugira agaciro nizi zikurikira:

Kugabanya ibitumizwa hanze

●Inganda

●Ubuhinzi bwoherezwa hanze

●Ubucukuzi bw’amabuyey’agaciro

●Ubukerarugendo

●Kongera ibyoherezwa hanze

●Kuzamura inyungu za banki

●kugabanya amafaranga ku isoko

●kugenzura icapiro ry’amafaranga

●Kugabanya ibitumizwa hanze

●Ibikorwa remezo byiza

●Kugabanya imyenda

Abahanga mu bukungu bagaragaza ko kugabanya imyenda no gukoresha neza ingengo y’imari bifasha gukomeza ifaranga.

Uko ubukungu bw’ibihugu by’afurika buhagaze .

Ibihugu byinshi bya Afurika bikomeje guhura n’iki kibazo kubera: kwishingikiriza ku bicuruzwa byo hanze,imyenda myinshi,ubucuruzi budahagaze neza,ibibazo by’umutekano.

Gusa hari ibihugu biri gushyira imbaraga mu guteza imbere inganda, ubuhinzi n’ikoranabuhanga kugira ngo byongere amadovize no gukomeza amafaranga yabyo.Guta agaciro kw’ifaranga ni ikibazo gikomeye ku bihugu biri mu nzira y’iterambere kuko bituma ubuzima buhenda n’ubukungu bugahungabana.

Gusa ingamba zavuzwe haruguru iyo zubahirijwe neza, igihugu gishobora kongera agaciro k’ifaranga ryacyo no guteza imbere ubukungu mu buryo burambye.