Top 10 Investment Ideas In Rwanda in 2024

Rwanda continues to develop and Kigali, its capital city, is becoming a go to for both local and
international entrepreneurs both small and big to trial their ideas.

As of recent, Kigali was ranked No.1 entrepreneurial city in Africa by Business Insider. This
is thanks to many factors including: Rwanda is 2nd in Sub-Saharan Africa on Ease Doing Business
ranking by World Bank, Kigali city is also ranked the safest city in Africa for travelers, and the
cleanest city in Africa. On top of that, the Government of Rwanda has significantly invested other
areas such as electricity, roads, water access, education, health care, and the rule of law. Most importantly
for the entrepreneurs and investors though, Rwanda is ranked the 54th least corrupted country in
the world and 4th in Africa and it only takes 6 hours to register your business through its flagship
Rwanda Development Board. Rwanda is also positioning itself as the go to country for hosting
meetings and large conferences --- Kigali recently ranked by ICCA as the 2nd best destination for
meetings in Africa. While Rwanda's tourism and hospitality sector continues to soar through its #VisitRwanda brand.

Kigali also host Norrsken House, the region’s largest hub for entrepreneurs, where you can connect with founders and investors from all over Africa. If you're wondering where to invest your hard earned money to generate more; there is definitely no many better place in Africa than Rwanda. 

In my previous article about investment opportunities in Rwanda, few years ago, I broadly specified sectors to invest in. Although some of the sectors like E-commerce, Real Estate, Food processing, etc. still present good opportunities; however, some people found it overwhelming to know where to start. In this article, I'll try to be specific on what business ideas to invest in:

10. Cold Chain Trucks: Rwanda has one of the most varied and best agro-ecological zones

suitable for growing different crops all year long, especially horticulture, and most Rwandans outside

of Kigali are engaged in agriculture. However, transport of fresh produce from rural areas to Kigali is

still a challenge.

Intambwe 5 zo Gukora Imyitozo Igabanya Ibiro

Tsinda mu museso utsinda umunsi wose!

Ushobora kuba warihaye intego yo gukora imyitozo ngororamubiri kugirango ugabanye ibiro cyangwa kugirango ugire ubuzima bwiza muri rusange. Ushobora kuba udafite iyo ntego kuko wowe ntakibazo ufite, ariko uzi mugenzi wawe: umuvandimwe, inshuti, uwo mukorana, umukunzi, umubyeyi, etc. uziko afite izo ntego cyangwa uzikeneye. Icyo nizeyeko tuziranyeho nuko izi ari imwe mu mihigo ijyerwaho n' umugabo igasiba undi. Hari abatangira ntibarenze icyumweru kimwe batarabihagarika; abandi tugira igihe cy' amezi make mu mwaka aho ushyiramo imbaraga, impinduka ukazibona ndetse nabantu uciyeho bakakubwira bati: "Warananutse!", "Usigaye uterura!", "Muri iyi minsi umeze neza!" ariko nyuma y' amezi make ukabihagarika.

Intambwe ya 1. IHE INTEGO Z'IGIHE KIRAMBYE

Abenshi batangira imyitozo ngororamubiri bafite intego z' igihe gito mu mutwe. Ibyo bigaragazwa nicyo bavugako bashaka kujyeraho; reka turebe ingero z' intego abantu bababafite n'izo bakagombye kwiha:

• Intego ntiyakabaye kugabanya ibiro 10 mu mezi atatu; ahubwo yakabaye kugira ubuzima bwiza iminsi y' ubuzima bwanjye bwose
• Intego ntiyakabaye guterura icyuma cy'ibiro 150; ahubwo intego yakabaye kudasiba gukora sport
• Intego sugushyira hasi ibyo ukora byose ngo witegure kuzaza kumwanya wa mbere mw'irushanwa ryo kwiruka riri mu kwezi gutaha; ahubwo wakagombye gutumbera gukoresha ibihe bito umwaka utaha kurusha ibyo ukoresha none, no gukoresha ibihe bito imyaka ibiri iri imbere kurusha ibyo uzaba ukoresha umwaka utaha. 

Saving Money Almost Without Denying Yourself Anything

 

Source: Ukrgate

There is hardly a person who is unfamiliar with the problem of saving money. Money can serve a person a good service and can be a problem because when used irrationally, they flow like water through the fingers.

 In an age of advertising and a huge variety of goods and services, we sometimes lose touch with reality, buy what we don’t need, and spend money faster than we earn. But this problem can be easily solved.

Set a goal. Saving for the sake of saving is suitable either for stingy people or for those who are very organized and have great willpower not to spend money. If you do not belong to these categories of people, then you should set yourself a goal for which you will start saving. Ask yourself, what do you want to spend your money on? It can be a trip, buying something expensive and other things. The main thing – the goal should motivate you to save.

Avoid spontaneous purchases. Today you saw a beautiful clock in the shop window, tomorrow you may stop liking it. Be more responsible when shopping.

Keep track of your income and expenses. Pay there all the costs, even the smallest ones. This will allow you to clearly see where most of your money is flowing and what you can really save on.

Top 5 Techniques For Personal Budgeting and Saving Money

Last month, the company that I work for paid us our December salary on the 20th so that we can enjoy the holidays with some cash at our hand. Fast forward today at lunch, me and my collogues were taking about how long it has been since the last time we got a pay check --- exactly 28 days, and most of us our pockets are empty. This is an unusual situation but it doesn't only concerns people working for a salary; for those who own businesses there are cash-boom and cash-dry periods as well. In any case, those are the times that a cautious saver might fall back to the piggy bank, your saving accounts, or even better get money from your second or third hustle.

Whatever you do, you need to careful plan ahead and to have a finance discipline  that is achieved by but a few people yet it's easy for everyone to apply. It is an essential skill in life not taught in schools, fortunately you can learn from practice and from experiences others. These 5 techniques I'm sharing below will help to guide you and you can build on them to start your personal finance journey. . However, they should be contextualized and adjusted to your own situation since there is no one-size-fits-all standards for managing your finances, whether it’s your savings, budget, retirement planning, or anything else. 

1. Differentiate your wants from your needs

The sad truth is - you can't have it all, and trying to do so it's fairytale and an endeavor bound to fail.

WITEGEREZA: Ni Umwaka Mushya, Ba Umuntu Mushya!

"Umwaka Mushya Muhire wa 2021"

Buri wese muri twe azi abantu bameze nkabagize umwuga gusubika gahunda bafite. Buri wese azi babantu bahora bigizayo ibyo bagombaga gukora. Tuzi abantu, cyane cyane muri izi ntangiriro z' umwaka, bafata ingamba nshya kugirango bagire ibyo bahindura mu buzima bijyanye n' amagara, ubukungu, akazi, imibaniyre yabo n'abandi n' ibindi. Baravuga bati: nzatangira kurya indyo ikwiye...ariko nyuma y' iminsi mikuru! 

Nzareka inzoga...ariko nyuma y' Ubunani! Ngeze igihe cyo kureka kujarajara mu rukundo no gufata icyemezo cyo kugira umukunzi dufitanye gahunda yo kubana akaramata...ariko nyuma yuko ndyamanye na kanaka twamenyanye ejo bundi mu birori (iyo ari umusore) cyangwa nyuma yo kumarana wekendi ku Gisenyi nuriya musore/umugabo w' umukire wabinyemereye! Buri gihe baba bafite utuntu bagomba gukora mbere yuko bafata umwanzuro wo guhindura ubuzima barimo. Baribwira bati: Nzatangira kuzigama ...ariko reka nishimishe bwanyuma; nzatangira uriya mushinga munini...gusa hari utwo nkiri gutunganya. 

Tuzi abantu bameze gutyo kuko ari ibintu duhura nabyo cyane buri musi...kuko ari batwebwe tumeze gutyo.

Sangira Byose Nabose - Nibwo Buhanga

Ahanwa karya ntiwumve, kavuza induru ntiwumve

 Iyimugo nyarwanda yerekanako gusangira n'abandi bigira akamaro. Ibi bijyendana no gusangira ibitari ibiribwa n' ibinyobwa gusa, ahubwo no gusangira ubutegetsi icyubahira nibindi. Ibi ni ingenzi mubihe byubu aho abategetsi n'abandi bari munzego z'ubuyobozi bagaragaza kwikubira, kwigwizaho, n'ikimenyane bituma ubutunzi n' ubuyobozi bw' ibihugu byinshi bituwa n'amamiliyoni yabantu buri mubiganza by'abake. 

Abo kandi nibo bagaragaza kugundira ubuyobozi no kubaka utuzu tugizwe nabo mu miryango yabo, inshuti zabo cyangwa ababahaye ruswa n'indonke. Aba kandi barangwa no kw'ikiza abo batavuga rumwe nabo  babonako bahanganye aho gushyirahamwe ngo bubake ubutegetsi n' ibigo bikorera inyungu z'abaturage cyangwa abagenerwabikorwa babo.

Ibi si ibintu bishya ahubwo byahozeho haba mu mahanga ndetse no mu Rwanda. Reka dufate zimwe mungero ku bwami bw'Abaroma bufatwa nkabumwe mubutetsi bw'igihanganze byabayeho. Umwami w'Abami Julius Caesar (Jules Kazari) kugirango yogarurire ubutetsei bwose yabanje kwica abo bayoboranaga: Pompey na Crassus. Nyuma yuko yishwe numwe mu bana yari yaragize abe, uwamusimbuye, Caesar Augustus, nawe yabanje kwikiza abo bari basngiye ubutegetsei aribo: Marcus Antonius na Marcus Lepidus. Naho Cludius we yishe abasenateri batavugaga rumwe, Nero we, yirengagije inama z' umujyanama we wari umuhanga cyane Seneca, yishe benshi mu muryango we abandi abohereza mubuhungiro.

WIREKA ABANTU BAGUTESHA IGIHE KUKO UDASHOBORA KUGISIMBUZA

Ngiye kugusangiza k'ubumenyi bushingiye kunyigisho zo hambere zishingiye ku kwitwrarika kwa muntu, kwihangana no kubaho bijyendanye n'uburyo kamere (Stoic Philosophy). Ububuryo bw' imitekerereze byatangijwe n'umuhanga mu mimitekerereze witwa Zino of Citium mukinyejana cya 3 mbere y'ivuka rya Kristu. Ni ubumenye bwahererekanyijwe mu nyandiko z'ababyakiriye kandi bakiga kubaho bijyendanye n'izi nyigisho by'umwihariko Epictetus, Seneca, n'umwami w'abami w'Abaroma Marcus Aurlius. Muminsi yanone iyi mitekerereze iri muyiganje mubantu bakomeye ndetse bakanayifashisha mu buzima bwa burimunsi kugirango mubyo bakora bahore biteguye kandi bajyere ku ntego zabo mu buzima. Ingero naguha ni nk'abanyemari Bill Gates, Warren Buffet, Charlie Munger, Thomas Kaplan, Nassim Taleb, n'bandi bifashisha Stoicism muguteza ibikorwa byobo imbere, abanyapolitiki nka Bill Clinton, Cory Booker, Wen Jiabao, n'abandi

The Dream

It's one of those nights when I open my eyes with my heart pounding hard in my chest;

I feels empty and horrified --- I just had a nightmare and I liked it so much that I regret to have waken up,

There is a time I think that I have the control;

Yet an the abyss of night when the sleep is healing the souls of the blessed ones;

I'm living my alternate life of dreams - the abyss of nothingness I can accept the truth about myself 

I can express the strongest and realest of my heart's desires

The flames of hate and stomach-butterflies of love in my body are finally 

I'm burning and free flying on clouds --- And I like it

It's then that It's okay to miss the human affection, the embrace of a loving woman, 

and the warm of her from her skin and the smell of her flesh.

Capti per somnium - Art by Zy

Ooh my dreams,...so shameless and bold 

So real in the moment and never becoming true

I always though I dream about domains where I frail

I turns out I dream about domains where I aspire want to do much better 

No I admit that I don't do well on those subjects.

I thought I could live safely and healthy without emotions; now I don't know anymore,

Unfortunately the more deeper I bury them; the heavier and unbearable they become and hit me hard when they get out,

Not only did they feel like scratch that I wanted to relieve of myself,

But they are screaming inside my head to block any other thoughts,

I can feel them crawling in my brain and almost making me mad to the core

I wonder if I'm going crazy

Let's pretend once more, I can keep them in check

NEW RWANDAN ARTIST ALERT - Elisha!

Elisha is a new R&B singer in Rwanda! His first song: Ahazaza hawe is packed with advice that can inspire people of every generation. This is quite an alternative approach to the current mainstream themes which is full of obscenity and shock-subject, especially for R&B artists, who want to make a mark in a clouded playground. Let's support home and hope he makes a break-through soon and become a household name in Rwanda. To paraphrase him: If others can do it, he can do it too; it only takes hard work.

The pure feelings need no hiding!

Have you ever felt like the world is on fire and you are at the center of it? Maybe not. But in the case you are one of a large number of people who did, I am here to tell you that you are not alone.

The truth is the feelings are a complex thing to describe. What you felt might be an immeasurable joy or sadness, it might be an intense love or a crushing heartbreak. It doesn't matter which one because it's not wrong to have or not to have those soul-crushing emotions.

For many years before the evolution of neurological science, the emotions and feelings like love have been thought to be based in our hearts because of the change in blood pressure, hence the pounding or slowing down of the heartbeats when emotion overtakes you.