Kubantu bose batekereza gushora imari, kumva uburyo ubwoko butandukanye bwibigo byimari bishobora gufasha kugera kubyo bagamije ni ngombwa. Amabanki, ibigo byabakozi, nibiro byumuryango bikora muburyo butandukanye, bigira ingaruka kubushoramari muburyo butandukanye.
Impinduka ziherutse ku isoko
Muri 2020, ku isoko ry’Amerika, indishyi zishingiye ku mafaranga zagereranyaga 66% by’uburyo bwo kwishyura, mu gihe indishyi zishingiye kuri komisiyo zari 27%, naho indishyi z’inama (isaha, amafaranga, rimwe, n'ibindi) zose hamwe 6%. Kugeza mu 2023, indishyi zishingiye ku mafaranga zariyongereye zigera kuri 83%, mu gihe indishyi zishingiye kuri komisiyo zagabanutse kugera kuri 8% naho indishyi z’inama zagumye kuri 8%. Ihinduka ryerekana icyifuzo cyicyitegererezo gihujwe ninyungu zabashoramari.
Ni ngombwa kumenya ko iyi nzira nayo itangiye kwigaragaza muri Berezile, yageze kuri miliyoni 5.7 z'amadolari y'Amerika mu ishoramari mu 2023, byerekana inzira igana ku buryo bworoshye bwo mu mucyo buteza imbere guhuza neza n'ibyifuzo by'igihe kirekire by'abakiriya.
Uburyo bw'indishyi n'amakimbirane y'inyungu: Amabanki gakondo atanga ibicuruzwa byayo kandi indishyi zabo zishingiye kuri komisiyo, zishobora kubyara amakimbirane yinyungu zishyira imbere ibicuruzwa byunguka ikigo. Ibigo byabakozi hamwe nabashoramari bigenga (AAIs) nabo bakora bishingiye kumafaranga na komisiyo, bikomeza amakimbirane asa. Ku rundi ruhande, ibiro by’imiryango, bifata inzira yihariye hamwe n’indishyi zishingiye ku mafaranga yagenwe, gukuraho amakimbirane y’inyungu no guhuza serivisi zabo n'intego hamwe n'ingaruka z'abakiriya babo.
Akamaro ko guhitamo neza.
Daniel Mazza, inzobere mu igenamigambi ry’imari akaba n’umufatanyabikorwa washinze MZM Wealth , ashimangira ko ari ngombwa ko abashoramari bumva itandukaniro riri hagati y’ubujyanama bw’imari kugira ngo bafate ibyemezo byuzuye. Agira ati: "Amakimbirane ashingiye ku ngero gakondo zishobora kugira ingaruka mbi ku bisubizo, bikerekana akamaro ko gushaka ubundi buryo buboneye kandi bufite intego."
Mazza yerekana kandi ko ibiro by’imiryango bitanga serivisi zirenze ishoramari gakondo, nko gutegura imitungo hamwe n’inama z’amategeko n’imisoro, bishobora kuba itandukaniro rikomeye ku miryango ifite agaciro gakomeye.
Sobanukirwa n'amahitamo aboneka
Kubashoramari, ni ngombwa kumva uburyo butandukanye bwo gutanga inama zubukungu zihari. Amabanki yibanda ku bicuruzwa byayo bishingiye kuri komisiyo, ibigo by’abashoramari n’abajyanama b’ishoramari bigenga batanga ibicuruzwa bifunguye hamwe na komisiyo, mu gihe ubujyanama bwigenga bukoresha urubuga rwibanda ku ishoramari rufite uburyo bwishyurwa, bikuraho amakimbirane y’inyungu. Guhitamo icyitegererezo gikwiye birashobora kuba ibyemezo byubukungu bwigihe kirekire.
Iyo usuzumye uburyo bwo gushora imari, ni ngombwa gusuzuma gusa inyungu zishobora kugaruka, ahubwo tunareba uburyo bw'indishyi hamwe n'amakimbirane ashoboka y'inyungu. Ibiro byimiryango, hamwe nuburyo bwabo bwihariye bujyanye ninyungu zabashoramari, biragaragara nkubundi buryo butanga icyizere, cyane cyane kubashaka serivisi zuzuye kandi ziboneye.
