Guhitamo uburyo wakoresha wohereza amafaranga aho ukomoka ntabwo biba byoroshye. Muri iyi nkuru twaguteguriye bimwe mu byo ukwiye gukora n’ibyo ukwiye kwirinda igihe wohereza amafaranga.
Ibigo by’imari hamwe na za banki
Ibyo gukora: Kohereza amafaranga ukoresheje banki cyangwa ibigo by’imari birizewe, biratekanye ndetse yewe ni nabyo bikwiye kurusha izindi serivisi kuko si buri wese ukeneye gufungura indi numero ya konti ahandi ngo iharirwe ako kazi gusa.
Icyo kwirinda: ibigo by’imari ndetse na za banki, akenshi bigira amafaranga bica umuntu igihe ari gushaka kohereza amafaranga hanze y’igihugu. Si ibyo gusa kuko n’ikigo cy’imari cyangwa se banki iyakiriye nayo igira andi mafaranga ifataho nk’ikiguzi cy’ihererekanya. Iyo amafaranga ahinduwe mu rindi faranga ry’irinyamahanga, uyakira ashobora kwakira umubare utandukanye n’uwo nyir’ukohereza yifuzaga. Bitewe n’uburyo kuvunjisha amafaranga mu manyamahanga bigenda bihindagurika, bimwe mu bigo byemerera abakiriya babyo kohereza amafaranga hanze y’igihugu byifashishije website zabyo cyangwa se za application zabyo, hakaba n’ibisaba uwohereza gusura ishami bivuze ko ibyo kohereza biba bigomba gukorwa mu masaha y’akazi.
Uburyo busanzwe bwo kohereza amafaranga
Hashize igihe kinini abantu bifashisha uburyo bwa Western Union na MoneyGram igihe bashaka kohereza amafaranga mu bihugu by’amahanga.
Ibyo ukwiye gukora: Western Union ifite ibiro birenga 500000 mu bihugu birenga 200 ku isi yose, mu gihe MoneyGram ifite ibirenga 350000 mu bihugu birenga 200 ku isi yose. Abantu bashobora kwifashisha ubu buryo bwombi bakoresheje imbuga za internet, apulikasiyo cyangwa se ku biro byabo. Uwohereza aba ashobora gukura amafaranga yohereza ku ikarita yo mu bwoko bwa Debit, Credit cyangwa se akabaha amafaranga yaje yitwaje. Uwakira nawe aba ashobora kwakira amafaranga mu buryo butanduanye haba kuyohereza kuri konti ye, kuyashyira ku ikarita ikoreshwa mu kwishyurana cyangwa se bakayamuha muntoki. Uwakira amafaranga aba ashobora kuyafata mu minota mike nyuma yo koherezwa bitewe n’uko abishaka.
Ibyo ukwiye kwitondera: igiciro cyo kohereza amafaranga wifashishije Western Union cg MoneyGram giterwa n’uburyo uhise mo kuyohereza, ndetse kikanagenwa n’uko wufiza ko agera iyo ajya byihuse, kikanaterwa kandi n’aho uyakira aherereye. Kwakira amafaranga muntoki bishoboka gusa mu masaha y’akazi. Ikirenze ku kiguzi cy’ako kazi ko kohereza amafaranga, abakoresha Western Union cyangwa MoneyGram baba bagomba gutera akajisho ku giciro cy’igura n’igurisha hagati y’ifaranga n’irindi.
Sosiyete zohereza amafaranga zikoresheje interineti
Abakoresha ikoranabuhanga nka Xoom, Wise cyangwa OFX bari kugenda bigarurira imitima ya benshi bitewe n’uko ubu buryo bwihuta ndetse ntibusabe ikiguzi kinini.
Ibyo ukwiye gukora: Abohereza amafaranga bakoresheje ikoranabuhanga rigezweho ridasaba ubundi bufasha burenze umuntu ku giti cye na interineti ye, usanga akenshi nta mafaranga uwohereza acibwa, cyangwa se akishyura make cyane yo kohereza ndetse n’ay’ivunjisha hagati y’ifaranga n’irindi. Uwohereza amafaranga burya yohereza kuri konti ya sosiyete yifashishije iri muri Amerika, bityo sosiyete nayo igafata amafaranga angana n’ayo ushaka kohereza ikayoherereza ugomba kuyakira mu gihugu aherereyemo. Bitewe n’uko nta mafaranga aba ahise asohoka muri Amerika, abakoresha ubu buryo babasha gushyiraho igiciro gito cyane . Ikindi kandi ubu buryo burihuta, bugahenduka ndetse bukoroha kuko umuntu yabukoresha yifashishije mudasobwa cyangwa telefone ye.
Ibyo ukwiye kwitondera: Xoom ikorera mu bihugu 70 gusa, OFX iri mu bihugu 80 gusa, naho Wise ikaba mu bihugu 70. Abakira amafaranga yoherejwe hakoreshejwe Wise cyangwa OFX bagomba kuba bafite konti ya banki kugirango babashe kwakira ayo mafaranga. Ikirenze icyo, benshi mu bohereza amafaranga bifashishije iri koranabuhanga bagira ikigero ntarengwa cy’amafaranga batagomba kujya munsi igihe bohereza, ingingo ishobora kutorohera benshi.
