USU  ››  Porogaramu zo gutangiza imishinga  ››  Gahunda y'ivuriro  ››  Amabwiriza ya gahunda yubuvuzi  ›› 

Uburyo butandukanye bwo kwishyura

Ubwoko bwo kwishyura

Buri shyirahamwe rikoresha uburyo butandukanye bwo kwishyura. Abakiriya barashobora kwishyura muburyo butandukanye mugura ibicuruzwa cyangwa serivisi. Kandi na sosiyete ubwayo irashobora kwishyura abayitanga muburyo butandukanye.

Nigute utabura umukiriya?

Mubihe byacu byamarushanwa yateye imbere, ni ngombwa cyane kumenya uko tutabura umukiriya. Abantu batandukanye bahitamo uburyo butandukanye bwo kwishyura. Abantu bamwe bishyura amafaranga. Abandi bajyana n'ikarita ya banki. Kandi nabandi ntibashaka no gutwara ikarita kugirango batayitakaza. Barashobora kuriha ibicuruzwa cyangwa serivisi bakoresheje QR code kuri terefone yabo. Kandi, ntukibagirwe ibisekuru byabantu bakuze nabo bashaka kutabura nkabakiriya. Abakiriya b'imyaka ntibemera ibintu byose bishya. Akenshi bahitamo gukoresha amafaranga.

Kugirango utabura n'umwe muri abo cyangwa abandi bakiriya, isosiyete igomba guhuza na buri mukiriya. Kugirango udatakaza abakiriya bashya kandi bashaje, ugomba kugendana nibihe. Intego nyamukuru yubucuruzi ubwo aribwo bwose ni ugushaka amafaranga . Kugirango ugere kuri stade mugihe umukiriya yiteguye kugura ikintu muri wewe, ugomba kumara umwanya munini n'imbaraga. Kubwibyo, umuyobozi uwo ari we wese azishimira gutanga inkunga kuburyo butandukanye bwo kwishyura. Buri shyirahamwe mubisanzwe rihinduka abakiriya nta kibazo, kugirango ridatakaza abakiriya namafaranga. Buri sosiyete iragerageza kuyikoresha neza, bityo bizoroha gusubiza ikibazo cyukuntu utabura umukiriya!

Kwishura ikarita yinguzanyo - ibyiza nibibi

Inyungu zo kwishyura ukoresheje ikarita ya banki

Buri buryo bwo kwishyura bufite ibyiza byabwo nibibi. Ikarita ya banki yasimbuye amafaranga, ariko ntishobora kuyasimbuza burundu. Ibyiza byo kwishyura ukoresheje ikarita ya banki nuko udakeneye gutwara amafaranga nawe, ashobora kwibwa. Ibi biroroshye cyane mugihe ukeneye kwishyura amafaranga menshi.

Akaga ko kwishyura ukoresheje ikarita ya banki kubagurisha

Ariko kwishyura ukoresheje ikarita yinguzanyo ntabwo byoroshye kubagurisha. Kuri buri bwishyu bunyura muri banki, umugurisha ahatirwa kwishyura ijanisha rito kuri banki kugirango abunzi. Iyi serivisi yitwa kugura . Kandi iyo hari abaguzi benshi, ndetse na komisiyo nto za banki ziyongera kumafaranga agaragara yatakaye.

Byongeye kandi, amashyirahamwe amwe arashobora gukora ibitabo bibiri: "umweru" na "umukara". "Ibaruramari ryera" biremewe. "Kubika ibitabo byirabura" - bitemewe, ni ukuvuga. Kandi ikibazo nuko ugomba kwerekana muri comptabilite yimisoro amafaranga yose yanyuze muri banki. Kuberako leta iyo ariyo yose igenzura ibicuruzwa byabacuruzi. Kandi, niba imisoro yishyura inyungu kumafaranga make ugereranije niyakiriwe kuri konti ya banki, noneho leta ihita ikeka ko hari ibitagenda neza. Konti za banki zizahagarikwa. Kandi cheque ya leta izoherezwa mumuryango. Isosiyete izatakaza igihe n'amafaranga menshi muburyo bwo gucibwa amande no gutakaza amafaranga mugihe cyayo cyo hasi.

Ingaruka zo kwishyura ukoresheje ikarita yinguzanyo kubaguzi?

Ku baguzi, kwishyura ukoresheje ikarita yinguzanyo nabyo bitwara ingaruka zimwe. Kurugero, umuguzi arashobora gukoresha amafaranga menshi kurikarita kuruta ibyanditswe kumushahara we. Mu bihe nk'ibi, leta izitondera kandi ko udashobora gukoresha ibirenze ibyo winjiza. Muri iki gihe, umuguzi azasimbura we ubwe n'umukoresha we. Kuberako abayobozi ba leta bazagenzura byombi. Umuguzi azerekanwa kugirango yinjize atamenyekanye. Kandi umukoresha azasuzumwa kugirango yandike ibitabo bibiri kandi atange "umushahara wumushatsi". "Umushahara w'imvi" ni umushahara utemewe udasoreshwa.

Ni ryari bidashoboka kwishyura ukoresheje ikarita?

Na none, ikibazo kinini cyamakarita ya banki kigaragara mugihe cyihutirwa mugihe amashanyarazi cyangwa interineti yazimye. Nibyo, mugihe cyibibazo byacu hariho ibihe nkibi. Terminal ya banki ntizashobora kwakira ikarita, ugomba kwiruka kuri ATM kugirango ubone amafaranga.

Amafaranga yo kubikuza ATM

Kandi ako kanya uzahura nikindi kibazo mugihe ukoresheje amakarita ya banki - iyi niyo komisiyo yo gukura amafaranga muri ATM. Benshi bishyura umushahara wabo ku ikarita. Ariko rero banki yishimiye gufata igice cyamafaranga ubwayo mugihe itanga amafaranga kuri ATM.

Inkunga ya leta ku makarita ya banki

Nubwo hari ibibazo byose byo gukoresha amakarita ya banki, leta nyinshi ziteza imbere ikoranabuhanga rya banki kurwego rwa leta. Mu bihugu byinshi hariho amategeko akurikiza buri shyirahamwe rigomba kwemera kwishyurwa namakarita ya banki nta kabuza.

Gahunda ya USU ntacyo ishyira kubakoresha. Ufite uburenganzira bwose bwo guhitamo rwose uburyo bwo kwishyura ukunda. Injira muri gahunda kandi uyikoreshe kubwinyungu zubucuruzi bwawe.

Shiraho uburyo bwo kwishyura

Urutonde rwa konti za banki, amakarita ya banki hamwe na safe

Iyo ibyawe byuzuye ububiko bwamafaranga mukorana, urashobora gukora urutonde "uburyo bwo kwishyura" .

Uburyo bwo kwishyura ni ahantu amafaranga ashobora gutura. Ibi birimo ' cashier ', aho bemera kwishyura mumafaranga, na ' konti za banki '.

Urashobora koresha amashusho kubiciro byose kugirango wongere kugaragara kumakuru yinyandiko.

Gutanga amafaranga kuri konti

Niba uhaye amafaranga umukozi runaka muri sub-raporo kugirango agure ikintu hanyuma agarure impinduka, noneho umukozi nkuyu arashobora kongerwaho hano kugirango akurikirane amafaranga asigaye.

Ni ayahe mafaranga konti ya banki irimo?

Kanda inshuro ebyiri kugirango ufungure buri buryo bwo kwishyura kuri guhindura no kwemeza ko ifite uburenganzira bwatoranijwe "ifaranga" . Niba bikenewe, hindura ifaranga.

Urashobora no kwinjiza izina ryifaranga mwizina ryuburyo bwo kwishyura, urugero: ' Konti ya banki. USD '. Niba kandi ifaranga ridasobanutse neza, noneho bizafatwa ko uburyo bwo kwishyura buri mumafaranga yigihugu.

Ibimenyetso byihariye

Nyamuneka menya ko uburyo bwo kwishyura bwaranzwe nagasanduku runaka.

• Birashobora gushirwaho "shingiro" uburyo bwo kwishyura, kugirango mugihe kizaza, mugihe utanga ubwishyu, bisimburwa byikora kandi byihutisha akazi. Agasanduku kagomba kugenzurwa kuburyo bumwe bwo kwishyura.

• Niba ukoresha amafaranga yimpimbano mugutuza, noneho reba neza "amafaranga asanzwe" .

• Ibigo byubuvuzi bikorana namasosiyete yubwishingizi. Niba wongeyeho isosiyete yubwishingizi nkuburyo bwo kwishyura, ntukibagirwe kuyiranga "amatiku ahuye" .

• Ikimenyetso kidasanzwe kigomba gushyirwa kuruhande rwuburyo bwo kwishyura "ibihembo" . Bonus ni amafaranga yibintu ushobora kubona kubakiriya kuburyo mugukurikirana bonus bakoresha amafaranga menshi.

Bonus ukoresheje nimero yikarita

Soma uburyo ushobora gushiraho bonus kubara ukoresheje nimero yikarita .

Gukorana namasosiyete yubwishingizi

Wige uburyo bwo kwerekana ubwishyu mugihe ukorana na societe yubwishingizi .

Kora amafaranga yakoreshejwe

Hano haranditswe uburyo bwo kwerekana inyemezabuguzi cyangwa amafaranga yakoreshejwe kumeza cyangwa konti ya banki.

Reba hepfo ku zindi ngingo zingirakamaro:

• Bonus ukoresheje nimero yikarita
• Kwerekana amakuru
• Ububiko
• Ibaruramari
• Kora urutonde rwa serivisi
• Kubara ibicuruzwa byubuvuzi
• Kubara kwishura kubatanga ibicuruzwa
• Kubara abakiriya
• Ibaruramari
• Shira kode ya QR
• Urutonde rwibigo
• Kwishura serivisi na sosiyete yubwishingizi
• Ku ntangiriro

• Kuramo porogaramu hamwe namahugurwa yoguhuza