Na Joanna Caouette, Director of Programs at ProsperityME
Muri U.S. haba amakarita menshi yo kwishyuriraho. Ni ngombwa ko usobanukirwa itandukaniro ryazo kugirango uzikoreshe neza.
Ikarita yo kubikurizaho:
Iyi ni ikarita ihuye na konti yawe isanzwe. Ibi bivuze ko igihe cyose ukoresheje iyo karita, uba uri kwishyura ukoresheje amadolari yawe. Ikarita yo kubikurizaho, ishobora gukoreshwa ahantu hose kandi ni uburyo butekanye bwo kugera ku madolari yawe kurusha kugendana amadolari aho ugiye hose, kuko ziba zirinzwe n’umubare-banga. Ikarita zo kubikuzaho ntacyo zihindura ku manota yawe yo gukoresha umwenda.
Ikarita mpeshamwenda
Iyi karita ntabwo iba ifite aho ihuriye na konti yawe, ahubwo iguha uburenganzira bwo kuguza amadolari atari ayawe. Ikarita mpeshamwenda ni nk’inguzanyo igomba kwishyurwa mu gihe kizaza. Ibimenyerewe, uzajya wakira inyemezabwishyu buri kwezi igaragaza amadolari wakoresheje n’uko wayakoresheje. Iyi nyemezabwishyu izaba kandi ifite itariki ntarengwa ugomba kuba wishyura makeya ashoboka baba barakumenyesheje. Igihe utabikoze kandi kugihe, amadolari utishyuye azajya ahita agaragara kuri raporo yawe y’imikoreshereze y’umwenda, bigire ingaruka ku manota yawe y’imikoreshereze y’inguzanyo. Ikindi kandi uzishyuzwa inyungu ku yasigaye.
Ikarita mbeshabufasha
Ikarita mpeshabufasha ni nk’amakarita ashyirwaho amadolari mbere, aho leta inyuza bumwe mubufasha, nk’ayo gutunga abatishoboye n’ayo guhaha ibiribwa ku bantu baba babyemerewe, amadolari ashyirwaho na leta kugirango umuntu ayakoreshe. Umufashamyumvire azagufasha mu kugusobanurira aho ushobora gukoresha iyo karita yawe. Gukoresha nabi iyi karita bishobora kukuviramo gutakaza ubwo bufasha, niyo mpamvu kuyikoresha neza ari ingenzi cyane. Ntabwo uba ukeneye kuzishyura ayo madolari ndetse no gukoresha iyi karita ntibishobora kugira ingaruka ku manota yawe y’imikoreshereze y’inguzanyo.
Ikarita mpano
Aya ni amakarita aba yashyizweho amadolari mbere ubundi ukayahabwa nk’impano. Ubusanzwe amadolari ariho aba yanditseho. Ushobora kandi kugenzura amadolari ariho igihe uyandikishije mu ikoranabuhanga. Ushobora gukoresha iyi karita ahantu hose ariko nturenze amadolari ariho. Igihe ugeze ku ngano y’ariho, uba ushobora guhita ujugunya iyo karita. Ikariya mpano akenshi zitangwa n’inshuti n’abo mumuryango, cyangwa se umuntu akazitsindira mu marushanwa. Gukoresha ikarita mpano ntabwo bizagira ingaruka ku manota yawe yo gukoresha inguzanyo.
Ikariya mpano zo mu iduka.
Ikarita mpano zo mu iduka zishobora gukoreshwa gusa mu maduka yihariye aba yanditse kuri iyo karita. Izi karita ntabwo zigira ingaruka ku manota yawe y’imikoreshereze y’inguzanyo.
