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The rationale and impact of Banques Populaires transformation from a cooperative to a commercial bank

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UMUTARA Polytechnic - Bachelor's Degree 2010

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I, UKWIBSHAKA Alexis, hereby declare to the best of my knowledge, this dissertation entitled: The rationale and the impact of banques populaires transformation from a cooperative to a commercial bank, here in presented, is my original work and where another's work has been used, it is indicated in quotations and the bibliography. It has never been presented any where for a similar award at Umutara Polytechnic or in any other academic award.


Signature .....................................

Date 09/02/2010

Supervisor: Dr Eugene NDABAGA

Signature .....................................

Date ......./02/2010


This is to certify that this work titled « THE RATIONALE AND THE IMPACT OF BANQUES POPULAIRES TRANSFROMATION FROM A COOPERATIVE TO A COMMERCIAL BANK» was done by UKWIBISHAKA Alexis REG n° BCUP/0027/E/06 a student in the option of Finance at Umutara Polytechnic in partial fulfillment of the requirements for the award of the bachelor's degree of commerce under my guidance and supervision.

Supervisor: Dr Eugene NDABAGA

Signature .....................................

Date ......./02/2010


This work is dedicated to the Almighty God, My spouse Rosine UMUTARUTWA, my daughter Milliam, the loving memory of my late parents: NZAMUGURA Jacquéline and RUBADUKA Céléstin for their vital support in my education. It is also dedicated to my brothers: HAKORIMANA Aphrodis and NIYONSABA Pascal, the late beloved brother NSABIMANA Théoneste, to my sisters: NYIRAMARIZA Angélique, MUKAYIRANGA Dorothy and VUGUZIGA Grace for their crucial assistance during my long education, finally this book is dedicated to all my uncles and aunts and all relatives for their help to achieve this work.


Enough has been done throughout my education, thanks be to GOD THE ALMIGHTY for granting me life and courage throughout my work.

Many people contributed to the completion of this work; I would like to express my sincere thanks to everyone who assisted and supported me to reach the completion of this work.

I wish to express my sincere gratitude to my supervisor Dr. Eugene NDABAGA for his vital professional guidance, patience and careful supervision, which have made this work genuine.

I would like to recognize all the staff of Umutara Polytechnic, especially my lecturers and classmates for their generous and brilliant encouragement given to me to overcome some huddles during my studies.

May the founder members of this institution find my cordial thanks for their work of launching this superb institution.

I am indebted to my supervisor Dr. Eugene NDABAGA, who has been determinant to my academic research, without him, this work would not be possible. Dear Sir, I appreciate and recognize your kind support for my work. God Bless you.

I wish to express my sincere gratitude to the families: NSENGIYUMVA Fulgence, SIBOMANA Laurent, RURANGWA Antoine, RUHAMANYA Francois, MURENZI Eric, NARAYISENZE Aristote, MUGABE Anthony and HAKIZAKUMEZA Innocent for their support.

Special thanks be delivered to my spouse UMUTARUTWA Rosine for the great efforts and support that led to my life and academic accomplishment; Thanks My dear wife.

I owe my thanks to my sisters and brothers, uncles and Aunts, my friends, who scarified their time, comfort and support throughout my work and success and all others whom we shared the struggle for success.

God bless you each and every body mentioned and unmentioned for their support in the realization of this work.

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