Ndagusuhuje wowe urimo gusoma iyi nkuru. Njyewe nitwa Benir Benjamin IRA. Ese byari kugenda bite iyo amafaranga Atabaho ku isi?
Amafaranga ni kimwe mu bintu bifite imbaraga n’agaciro kanini cyane mu buzima bwa buri munai bw’abantu. Nawe reba inshuro ukenera amafaranga byaba mu guhaha, mu kwivuza, mu bijyanye no kwiga cyangwa mu gukora ingendo za buri munsi, byose bikenera amafaranga.
Ariko se, reka twibaze gato: byari kugenda bite iyo amafaranga atabaho ku isi?
Iyo amafaranga atabaho, ubuzima bw’abantu bwari kuba bumeze n’ubundi nk’uko byahoze kera. Ubu twari kuba dutanga ibyo dufite kugira ngo tubone ibyo dukeneye, nk’uko byahoze mu mateka ya kera mu bucuruzi bwo guhana bwitwaga barter trade system. Aha, uko byakorwaga, umuntu w’umuhinzi yashoboraga guha umuntu w’umwubatsi (umufundi) akamuha wenda ku musaruro we w’ibishyimbo, maze akamusanira inzu ye. Wenda nanone abafite ubumenyi mu kuvura bakabona ibyo kurya babikuye ku bandi baturage, ntibakoreshe amafaranga ahubwo bagasangira impano n’ubumenyi bwabo mu guhanahana service n’ibicuruzwa bikaguranwa ibindi.
Nubwo byumvikana nk’aho byaba ari uburyo bworoshye kandi burimo ubumuntu, isi itagira amafaranga yashoboraga kugira n’imbogamizi nyinshi. Ntibyari byoroshye guhuza ibyo umuntu afite n’ibyo akeneye. Urugero, umuntu ufite inkwi ariko ashaka umuti wenda arwaye, tekereza igihe byari kumufata ngo abashe kumenya aho azahurira n’uwiteguye kumuha umuti ukeneye inkwi? Kuba ku isi hari amafaranga byoroheje uburyo bwo kubona ibintu na services.
Gusa nanone iyo amafaranga atabaho, abantu bari kurushaho guha ibintu agaciro ndetse n’umubano ukiyongera, abantu bagakundana kurusha uko bakundana ubu mugihe isi iyobowe n’amafaranga. Mbese mu gihe isi yari kuba ntamafaranga ariho, aho guhora turwana no gushakisha ngo tugere ku butunzi bwinshi bw’amafaranga, abantu bari kwibanda ku kuba bafite ubuzima bwuzuye, gufashanya no gusangira ibyo bafite. Ubuzima bwari gushimangira ubumuntu cyane kurusha irari ry’ubutunzi.
Ese ubwo kuba isi itagira amafaranga byari kuba byiza cyangwa byari kuba bibi? Birashoboka ko isi itagira amafaranga yari kuba isi itarimo ubusumbane bukabije, kuko buri wese yari gushingira ku byo ashoboye akabona icyo akeneye. Ariko kandi, hari n’ingaruka: inzego zikomeye nk’uburezi, ubuvuzi, n’ubwikorezi zari kugorana gutegurwa no gucungwa.
Mu yandi magambo, amafaranga ni igikoresho cyoroshya ubuzima, ariko na none ni intandaro y’ibibazo byinshi—ubusumbane, ruswa, n’ubushomeri. Iyo atabaho, abantu bashoboraga kuba babanye mu buryo bufite ubumuntu kurushaho, ariko nanone isi yagira imbogamizi mu micungire n’imiyoborere.
Aha rero, ntabwo ikibazo ari amafaranga ubwabyo, ahubwo ari uburyo tuyakoresha. Ese tuyafata nk’igikoresho cyo kudufasha kubaho neza, cyangwa nk’igikoresho cyo guhangana tuyashaka ngo turushanwe kuyagira? Dukwiye gufata amafaranga nk’ikintu cyakoroshya ubuzima bwacu kugira ngo dukomeze twimakaze ubumuntu.
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