01
Income and what remains
Write down your income, then subtract the costs of earning it. In a business, replacing stock also requires money.
Example: 50,000 RWF income less 35,000 RWF costs leaves 15,000 RWF. Any unrecorded costs reduce what remains.
Check a produce payment↗
02
When income is seasonal
If most income arrives at harvest, note how many months it needs to cover. Separate household needs, debts due and next season’s expenses.
Plan between harvests↗
03
Before accepting terms
Read the full amount payable, dates, penalties and other conditions. Ask for any unclear wording to be explained. Keep a copy of what you accept.
Questions about borrowing↗
04
Protect your information
Keep your PIN, password and one-time code private. On a shared device, delete your draft when finished. Confirm an email or phone number before sharing information.
Safety guidance↗