Ibicuruzwa byo kuri interineti bifite agaciro kari hejuru y'amadorari 15.000 bisaba uburyo bushya bwo kwishyura

Kugurisha ibicuruzwa byo mu ikoranabuhanga biri hejuru ya R$ 15,000, nko gutanga ubujyanama, amahugurwa ku bayobozi, na gahunda zo kwihutisha ubucuruzi, birimo gutera imbere mu gushakisha ku isoko ry’uburezi mu ikoranabuhanga, bitatanga uburyo bwo kwishyura gusa ahubwo binatanga urugendo rw’imari rushobora gufasha abaguzi n’abagurisha mu gihe cyose cyo guhererekanya ibicuruzwa. Iyi ngingo irushaho kugira akamaro uko gutanga gahunda zihenze bigenda bikura kandi abakora barushaho guhangayikishwa n’ibiciro by’abatishoboye, kugumana abanyeshuri, n’uburambe bw’abanyeshuri.

Nk’uko bivugwa na Reinaldo Boesso, ufite impamyabumenyi mu isesengura ry’imikorere n’impamyabumenyi y’icyiciro cya gatatu cya kaminuza mu icungamutungo ry’ubucuruzi n’imicungire y’imishinga, akaba n’umwe mu bashinze TMB, ikigo cy’ikoranabuhanga cy’ikoranabuhanga cyihariye mu gutanga ibisubizo by’imari ku bakora ikoranabuhanga ndetse n’isoko ry’uburezi bw’ikoranabuhanga, ibikorwa byo guhaha amafaranga menshi bisaba urwego rutandukanye n’urwo bisanzwe rukoreshwa mu kugurisha ku giciro gito. Yagize ati: “Iyo umuntu ashora amafaranga arenga 15.000 mu mahugurwa cyangwa ubujyanama, aba yiteze uburambe butandukanye muri buri cyiciro. Ibi birimo amasezerano, kwishyura, no gukurikirana mu rugendo rwose. Inkunga y’amafaranga ireka gukora gusa ahubwo iba igice cy’uburambe bw’abakiriya.”

Amakuru yashyizwe ahagaragara na CNDL na SPC Brasil agaragaza ko abaguzi bo muri Brezili bagera kuri miliyoni 60.1 baguze mu byiciro mu mpera za 2025. Ubushakashatsi kandi bwerekana ko kwishyura mu byiciro bikomeje kuba ikimenyetso cy’ingenzi cy’imyitwarire y’abaguzi mu gihugu, cyane cyane ku kugura ibintu bifite agaciro gakomeye.

Muri uru rwego, isesengura rivuga ko gutanga uburyo butandukanye bwo kwishyura bitagihuye n’ibyo abagurisha ibicuruzwa by’ikoranabuhanga bigezweho bakeneye. “Umubano ugomba kubakwa mbere yuko amafaranga ya mbere yishyurwa. Dukorana n’ingamba zo kwishyura vuba, kwibutsa mbere y’igihe, no gushyigikira umuntu ku giti cye iyo habayeho ingorane. Intego ni ukubungabunga umubano hagati y’abanyeshuri n’abakora ibicuruzwa by’ikoranabuhanga, tugabanye amakimbirane atari ngombwa.”

Urugendo rushya rw'ibicuruzwa by'ikoranabuhanga bifite agaciro kanini

Iyi ngamba yatumye TMB ishyiraho TMB Prime, imiterere yibanda gusa ku bikorwa biri hejuru ya R$ 15,000. Bitandukanye n'uburyo busanzwe bwo kwishyura, ubu buryo butanga umuyobozi wihariye w'ikonti ku waremye ibicuruzwa bitanga amakuru ndetse n'umuguzi utanga amahugurwa.

Nk’uko byatangajwe n’uwashinze iyi gahunda, igenzura ritangira mu cyiciro cya mbere cy’iyi gahunda. Yagize ati: “Inshingano yacu ni ukugenzura ko urugendo rw’imari rwose rukorwa mu buryo bunoze bushoboka. Ntabwo tuvuga gusa ku bijyanye no gukusanya amafaranga, ahubwo tuvuga no kugenzura umubano w’ubucuruzi usanzwe ushora imari ihagije ku muguzi no ku mugurisha.”

Ubu buryo burimo ubufasha mu bijyanye no kwakira abashyitsi, gukurikirana uburyo bwo kwishyura mbere y’igihe, kuvugana n’umuntu ku giti cye mbere y’itariki ntarengwa, n’ubufasha ku giti cye igihe cyose hakenewe ibiganiro cyangwa ibisobanuro.

Ubunararibonye mu by'imari bugira ingaruka ku kugumana amafaranga

Nk’uko abahanga mu by’inganda babivuga, uburambe bwo kugura bwabaye ikintu gitandukanye ku isoko ry’uburezi bushingiye ku ikoranabuhanga. Mu bikorwa bifite agaciro gakomeye, ikibazo icyo ari cyo cyose kijyanye no kwishyura gishobora kwangiza amafaranga y’umukozi ndetse no gukomeza kwiyandikisha muri gahunda y’abanyeshuri.

Uyu muhanga avuga ko amasosiyete menshi aracyafata inzira y'imari nk'intambwe yihariye. Ati: “Iyo habayeho kwegerana no kuvugana kuva mu ntangiriro, dushobora kugabanya amakimbirane no gushyiraho ibidukikije byiza kuri buri wese ubifitemo uruhare. Mu bicuruzwa bihenze, uyu mubano utanga itandukaniro rikomeye.”

Isoko riri gushaka uburyo bwo guhindura ibintu mu buryo bwihariye

Iterambere ry'ubukungu bushingiye ku ikoranabuhanga n'uburezi bwo kuri interineti byazamuye umubare wa gahunda zihenze zitangwa n'inzobere, amashuri y'ubucuruzi, n'abakora ibikubiye muri iyi porogaramu. Ibi bituma hakenerwa ibisubizo byihariye by'imari ku bikorwa bigoye kurushaho.

Nk’uko uyu muyobozi abivuga, ikigenderewe ni uko imicungire y’imari ireka kuba serivisi yo gufasha gusa ahubwo ikaba igice cy’ingamba z’ubucuruzi z’abakora ibikoresho by’ikoranabuhanga. “Abagurisha ibicuruzwa by’ikoranabuhanga bifite agaciro kanini bagomba kureba urugendo rwose rw’abakiriya. Kwishyura ni kimwe mu bigize uburambe kandi bigira ingaruka ku gaciro k’ibicuruzwa. Uko iyi gahunda irushaho kuba nziza, ni ko abanyeshuri barushaho kunyurwa no kuramba kw’ibikorwa.”