UWO mugani urazwi cyane muri Afurika y’i Burasirazuba, kandi ugaragaza neza ibyo abantu benshi bo mu bihugu byo hirya no hino ku isi batekereza. Ese nawe iyo uguza amafaranga incuti cyangwa uyaguza abandi, uba wumva umeze utyo? Ese nubwo hari igihe kuguza biba ari ngombwa, ubona bikwiriye? Ni akahe kaga gaterwa no kuguza amafaranga, kandi se bigira izihe ngaruka?

Hari undi mugani w’igiswayire ugaragaza neza ingaruka zo kuguza. Ugira uti “kuguza no kuguriza bitanya incuti.” Koko rero, amadeni ashobora gutuma imibanire y’abantu n’ubucuti bafitanye bizamo agatotsi. Nubwo abaguriza n’abagurizwa baba barabiteguye neza kandi bafite intego nziza, si ko buri gihe ibintu bigenda nk’uko baba babyiteze. Urugero, iyo igihe cyo kwishyura kigeze uwagurijwe ntiyishyure, uwamugurije ashobora kurakara. Ibyo bishobora gukurura ibibazo hagati y’uwagurije n’uwagurijwe no hagati y’imiryango yabo, kandi bigatuma bishishanya. Kubera ko gufata ideni bishobora guteza amakimbirane, twagombye kwirinda kwihutira kurifata mu gihe tugize ikibazo cy’amafaranga, tukarifata ari uko gusa tubona nta kundi twabigenza.

Nanone amadeni ashobora kwangiza imishyikirano umuntu afitanye n’Imana. Mu buhe buryo? Mbere na mbere, Bibiliya ivuga ko umuntu mubi yanga kwishyura amadeni abizi kandi abishaka (Zaburi 37:21). Nanone ivuga ko “uguza aba ari umugaragu w’umugurije” (Imigani 22:7). Uguza yumva ko afite ibyo asabwa n’uwamugurije igihe cyose ataramwishyura. Hari undi mugani wo muri Afurika ubivuga neza ugira uti “iyo utiye umuntu amaguru, akujyana aho ashaka hose.” Uwo mugani wumvikanisha ko iyo umuntu afite amadeni menshi, aba atagifite umudendezo wo gukora icyo ashaka.

Ku bw’ibyo, umuntu yagombye guhangayikishwa mbere na mbere no kwishyura ideni yafashe. Iyo bitagenze bityo, havuka ingorane. Amadeni menshi ashobora gutuma umuntu ahangayika cyane, akarara adasinziriye, agakora amasaha y’ikirenga, akagirana ibibazo n’uwo bashakanye kandi bikaba byasenya umuryango. Nanone bishobora gutuma akurikiranwa mu nkiko akaba yanafungwa. Ni yo mpamvu amagambo aboneka mu Baroma 13:8 arangwa n’ubwenge. Hagira hati “ntimukagire umuntu mubamo umwenda uwo ari wo wose, keretse gukundana.”

Dukurikije ibyo byose tumaze kubona, byaba byiza tugize ubushishozi mbere yo gufata ideni. Ukwiriye kwibaza uti “ubu koko hari impamvu ifatika yatuma nguza amafaranga? Ese ni ukugira ngo nzahure ubukungu bwanjye bityo mbone uko nkomeza kwita ku muryango wanjye? Cyangwa ahari mbiterwa n’umururumba, wenda nkaba nshaka kubaho mu buryo burenze ubushobozi bwanjye?” Akenshi biba byiza iyo wihatiye kubaho mu buryo buhuje n’ubushobozi bwawe, aho kwishora mu madeni.

Birumvikana ko hari igihe biba ngombwa kuguza amafaranga, urugero nk’igihe uhuye n’ikibazo gitunguranye, ukabona nta kundi wabigenza. Nubwo byaba bimeze bityo ariko, mu gihe ufashe umwanzuro wo kuyaguza, wagombye kwihatira kuba inyangamugayo. Wabigeraho ute?

Mbere na mbere, ntukabonerane umuntu witwaje ko yifite ugereranyije n’abandi. Ntitwagombye kumva ko kuba umuntu akize bimuha inshingano yo kuduha amafaranga. Nanone ntitwagombye kumva ko turamutse duhemukiye umuntu nk’uwo nta cyo byaba bitwaye. Ntukagirire ishyari abantu basa n’aho bafite amafaranga menshi.​—Imigani 28:22.

Ikindi kandi, ujye wishyura ibyo wagurijwe, kandi ubikore udatindiganyije. Nubwo uwakugurije yaba ataguhaye itariki ntarengwa yo kumwishyura, wagombye kumubwira itariki wifuza kuzamwishyuriraho, kandi ukayubahiriza. Ni iby’ingenzi ko mugirana amasezerano yanditse, kugira ngo mwirinde ibibazo (Yeremiya 32:9, 10). Mu gihe bishoboka, wowe ubwawe ujye ujya kwiyishyurira uwo wagujije, cyangwa witirurire icyo wamutiye kugira ngo ubone uko umushimira. Iyo umuntu azirikanye ko agomba kwishyura ibyo yagujije, abana neza n’abandi. Mu Kibwiriza cya Yesu cyo ku Musozi, yaravuze ati “ahubwo Yego yanyu ijye iba Yego, na Oya yanyu ibe Oya” (Matayo 5:37). Byongeye kandi, ujye uzirikana buri gihe rya tegeko rigenga imibanire y’abantu rigira riti “nuko rero ibintu byose mushaka ko abantu babagirira, ni byo namwe mugomba kubagirira.”​—Matayo 7:12.

Bibiliya itanga inama itagoye yafasha umuntu kwirinda gufata amadeni. Igira iti “mu by’ukuri, kwiyegurira Imana birimo inyungu nyinshi, iyo bijyanye no kugira umutima unyuzwe” (1 Timoteyo 6:⁠6). Mu yandi magambo, kunyurwa n’ibyo dufite ni bwo buryo bwiza bwo kwirinda ingaruka zo gufata amadeni. Icyakora tuvugishije ukuri, kunyurwa muri iyi si ituwe n’abantu bashaka kubona ibyo bakeneye vuba na bwangu, ntibyoroshye. Aho rero ni ho umuco wo “kwiyegurira Imana” udufasha. Mu buhe buryo?

Reka dufate urugero rw’umugabo n’umugore b’Abakristo bo muri Aziya. Bamaze igihe gito bashakanye, babonaga kugira inzu yawe bwite ari ikintu cy’ingenzi mu buzima. Ku bw’ibyo, biyemeje kuguza amafaranga muri banki no muri bene wabo, bongeraho n’ayo bari barazigamye maze bagura inzu. Icyakora bidatinze, kwishyura amafaranga menshi ya buri kwezi byatangiye kubaremerera. Batangiye gukora akandi kazi, bakajya bamara amasaha menshi mu kazi, ku buryo baburaga umwanya wo kwita ku bana babo. Umugabo yaravuze ati “nahoraga mpangayitse, mbabara kandi narabuze ibitotsi, ku buryo numvaga bimeze nk’ikibuye kinini nikoreye. Byari byarambujije amahwemo.”

Amaherezo, bibutse amagambo yo muri 1 Timoteyo 6:6, maze bafata umwanzuro w’uko uburyo bumwe rukumbi bwo gukemura icyo kibazo ari ukugurisha iyo nzu. Kugira ngo bishyure amadeni yose byabatwaye imyaka ibiri. Ibyo byabahaye irihe somo? Baravuze bati “kubona iby’ubutunzi nk’uko Imana ibibona ni uburinzi.”

Umugani w’igiswayire wavuzwe mu ntangiriro y’iyi ngingo uzwi na benshi. Ariko kandi, ibyo ntibyatumye abantu bareka kuguza amafaranga. Icyakora dukurikije amahame ya Bibiliya tumaze gusuzuma, ni iby’ubwenge ko dutekereza twitonze kuri cya kibazo kigira kiti “ese nagombye kuguza amafaranga?”