Omuganyulwo/Omuganyulo(Interest)

FROM IALI NGO with authority from Muwanga Charles.

Omuganyulo oba Omuganyulwo(Interest)

Buli lwe wewola ensimbi, osasula sente ez’enkozeso (usage fee). Sente ez’enkozeso zino ziyitibwa muganyulo oba omuganyulwo (interest or simple interest).

Omuganyulwo = gwe muwendo ogukusalirwa olw’okukozesa sente ze wewoze. Omuwendo gw’omuganyulwo gw’osasulwa gusinziira ku bintu bisatu:

a) Omuwendo gwa sente ze wewola =Omutemwa (the principle). Omutemwa ze sente z’oba wewoze

b) Ekigerageranyo ky’omuganyulwo .Ekigerageranyo ky’omuganyulo (interest rate) kiba kitundu ku kikumi eky’omutemwa ekisasulwa ng’ensimbi ey’enkozeso (fee).

c) Obuwanvu bw’ekiseera kye wewoledde sente ezo.

Ekiseera ky’okusasula bwe kiba kituuse , kikwetaagisa okusasulwa omutemwa gattako n’ekigerageranyo ky’omuganyulwo(interest rate) ekyetuumye.

Kino kye kiyitibwa omuganyulwo oba omuganyulo omwangu era kikozesebwa mu kusiga ensimbi oba okwewola okw’ekiseera ekimpi .Ekibalanguzo (formula) guba: Omuganyulwo = Omutemwa x Ekigerageranyo ky’omugeranyo x ekiseera.