Hari imbuga nyinshi zatangijwe mu myaka ishize abantu bashobora gukoresha kugira ngo babonereho abashinzwe ubucuruzi n’imyirondoro yabo. Abashinzwe ubucuruzi cyangwa ibigo bagira imyirondoro ku mbuga igaragaza serivisi batanga rimwe na rimwe ziriho n’icyo abaguzi babavugaho. Akenshi uzasanga ikirangantego cy’urubuga bari kukurangira ku modoka z’ushinzwe ubucuruzi, amakarita y’akazi, udutabo twamamaza ibikorwa n’umutwe w’ibaruwa/inyemezabuguzi. N’ubwo bidatandukanye n’itonde (directory), ibyo ushaka biyungururwa hashingiwe ku bwoko bwa serivisi n’aho ikigo gikorera, ariko icyo bongeramo kuri izi mbuga ni abantu babazi babakurangira.
Ibyago bishoboka
Imbuga nyinshi ziranga abacuruzi ni iz’ukuri kandi zibanza kugenzura abo zishyiraho mbere y’uko zikora urutonde. Icyakora, ku mbuga zimwe, hari igihe usanga hari abafite ibyemeza ko bafite inararibonye rike cyangwa ntaryo, nta buzobere cyangwa impamyabumenyi zikenewe zivuye k’ushinzwe ubucuruzi/ibigo. Ahubwo, ugasanga igikenewe ari ukwishyura amafaranga. Rimwe na rimwe, ibyo abaguzi babavugaho ugasanga ni ibihimbano. Kugira icyizere ko uri kuvugana n’impuguke, ibi bishobora gutuma ubona:
– Akazi kakozwe katujuje ubuziranenge.
– Akazi kakozwe kaguteza akaga.
– Akazi kakozwe nta garanti, cyangwa garanti nta gaciro ifite, ahubwo gashobora kugabanya agaciro k’umutungo wawe.
– Abashinzwe ubucuruzi badafite ubwishingizi bw’uburyozwe, ubwishingizi bwishyura byose, cyangwa ubwishingizi bw’uburyozwe bwaturuka ku murimo (aho bishoboka).
– Kwishyura amafaranga arenze igiciro kiri ku isoko cyemewe kugira ngo ukorerwe akazi.
– Abashinzwe ubucuruzi b’abariganya basaba ko ubishyura mutaratangira, kenshi ‘kugira ngo bashake ibikoresho’, ahubwo ugasanga bajyanye amafaranga yawe.
Kwirinda ubwawe n’umutungo wawe
– Mbere y’uko ushaka umuntu ushinzwe ubucuruzi, shaka kuri internet ibyiza n’ibibi bamuvugaho (ntujye ku mbuga ziranga abakora ubucuruzi gusa).
– Hura nawe imbonankubone muganire ku kazi, mu rugo rwawe cyangwa ahandi hose akazi kari bukorerwe.
– Ukore ku buryo ushinzwe ubucuruzi aguha aderesi na nimero ya telefoni by’aho ikigo cye gikorera, kandi urebe niba koko ari ukuri.
– Ukore ku buryo ushinzwe ubucuruzi uhaye akazi/ikigo bafite ubushobozi n’inararibonye mu gukora ubwo bwoko bw’akazi ushaka, ku rwego ugashakaho.
– Musabe mbere ikigereranyo cyanditse cy’ayo ateganya gukoresha muri ako kazi mbere y’uko ubwira uwo ushinzwe ubucuruzi gukomeza.
– Niba wishyuye rugikubita cyangwa hari ikintu gikozwe, ukore ku buryo baguha inyemezabwishyu yanditse, igaragaza amafaranga yishyuwe n’icyo yishyuriwe.
– Kandi, ukore ku buryo uhabwa inyemezabwishyu igihe wishyuriye cyose, cyangwa wishyuye asigaye yose niba ubikoze akazi karangiye.
– Abakora uburiganya bamwe bajyana n’abo bariganya kujya gufata amafaranga menshi kuri banki ku gahato kugirango bishyurwe rugikubita. Ibi niba bikubayeho, burira abaturanyi, cyangwa ubwire umukozi wa banki ko uri aho ku gahato.