Buy inputs
Materials, seed or stock.
Business planning
Your business.
Make the numbers visible.
For Musanze traders, growers and service providers: plan the cash that keeps your work moving.
01 / FOLLOW THE MONEY
Buy. Make.
Sell. Get paid.
These steps do not always happen on the same day. Record when each one needs cash and when payments arrive.
Do the work
Transport, labour and operating costs.
Record sales
Record delivery and the agreed payment date.
Receive payment
Verify receipt before spending the money again.
02 / A TRADER’S EXAMPLE
120,000 RWF received
is not all profit.
Stock costs 80,000 RWF and other expenses are 20,000 RWF. A sale of 120,000 RWF leaves 20,000 RWF before any costs not yet counted.
If the customer has not paid, that 120,000 RWF is not available to restock. Keep unpaid customer balances separate from cash in hand.
A few minutes.
Every week.
Use a notebook or spreadsheet. A simple record can be useful when you keep it up to date.
- 01
Separate home and business
Record personal withdrawals from the business. Do not hide them in stock purchase costs.
- 02
Reconcile records and cash
Compare opening cash, receipts, payments and closing cash. Investigate any difference.
- 03
Look a week ahead
List bills due, expected customer payments and stock needed. Plan how to manage a gap before it arrives.
Tools for the work
you do in Musanze.
Further reading used for this guide
Reviewed on 8 September 2026. These are general learning resources; ask Birunga SACCO for its own prices and terms.
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