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

BIBLIOGRAPHY

1) Audrey, (1978); Methodology of Educational Research.Third ed.Delhi:UBS Publishers'Distributors LTD.

2) BPR SA Annual report 2008

3) Bailey,(1978);Foundations of Behavioral Research.New York: Holt,Rinehart and Winston Inc.

4) Chet Aeschliman, Fiacre Murekezi and Jean-Paul Ndoshoboye (2007) Extending the outreach of Rwandan Peoples' Banks to the rural poor through village savings and credit associations Dale W. Adams, ( 1978 ) Mobilizing Household Savings through Rural Financial Markets Economic Development and Cultural Change, Vol. 26, No. 3, (Apr., 1978), pp. 547-560 Published by: The University of Chicago Press.

5) Cohon and Mario,(1985);Practical Research,Planning and Design. 6^th ed.New Jersey:Prentice Hall Inc.

6) Kakooza,T.(1996);An introduction to Research Methodology.Kampala:National Adult Education Association.

7) Lewis, A.W. (1955) Theory of Economic Growth, London: Homewood, p. 230

8) MINECOFIN,(2008) Financial Sector Assessment Program

9) MINECOFIN,(2008) Financial Sector Developmentt Program

10) MINICOFIN,(2005) Economic Development and Poverty Reduction Strategy paper (EDPRS).

11) MUKAMUHOZA Marie Gaudula, (2007);»Role of Credits Offered by Banque Populaire de Kibali in Development of Rural Areas».

12) NBR ,(2007) Rwandan Microfinance Sector Annual Report

13) NBR Annual reports from 2006 up to 2008.

14) Philips.(2004) " Savings Mobilization Role of Nigerian Commercial Banks - Analytical Policy Study "

15) Royal Government of Cambodia. (2006) FINANCIAL SECTOR DEVELOPMENT STRATEGY 2006-2015

16) Steven Amway and Anthony Docu. (2000) The Impact of Financial Sector Reform on Bank Efficiency and Financial Deepening for Savings Mobilization in Ghana

17) Sylvain NZAMURAMBAHO (2006): THE EFFECT OF CREDIT AND SAVINGS SOCIETIES ON POVERTY REDUCTION IN RURAL AREAS. Case study RIM SA NYARUREMA Parish.

18) 14 UBPR Annual reports from 2004 up to 2007

19) 15 WOCCU RWANDA, (2002) Rebuilding a Country and its credit unions.

WEBOGRAPHY.

1) www.rabobank.com

2) www.wikipedia/bank

3) www.wikipedia/cooperativebank

4) www.wikipedia/commercialbank

5) www.banquepopulaire.fr

6) www.bnr.rw

7) www.bpr.rw

APPANDICES

1 QUESTIONNAIRES USED IN DATA COLLECTION.

1 QUESTIONNAIRE FOR BPR `S BOARD OF DIRECTORS AND EMPLOYEES

Date  :

Identification of respondent

1. Gender (Sex) : M: F : Other :

2. Marital Status:

1. Married

2. Single

3. Divorced

4. Widowed

3. Age:

4. Education level :

1. Primary :

2. Secondary :

3. University

4. Other

5. Years of experience in BPR SA :.........................

RATIONALE FOR BANQUES POPULAIRES TRANSFORMATION FROM A COOPERATIVE TO A COMMERCIAL

6. What are the reasons for transforming banques populaires from a cooperative to a commercial bank?

a) b) THE IMPACT OF BANQUES POPULAIRES TRANSFORMATION FROM A COOPERATIVE TO A COMMERCIAL BANK

7. Membership growth:

i ) Has the number of customers increased since UBPR`S transformation from a cooperative to a commercial bank? Yes No

ii ) Is the increase - Very Significant

- Significant

- Not Significant

iii) Give reasons of your answer in (ii)

8. LOANS GROWTH

i ) Has the amount of loans granted increased since UBPR`S transformation from a cooperative to a commercial bank? Yes No

ii ) Is the increase - Very Significant

- Significant

- Not Significant

iii) Give reasons of your answer in (ii)

9. DEPOSITS GROWTH

i ) Has the total amount of deposits increased since UBPR`S transformation from a cooperative to a commercial bank? Yes No

ii ) Is the increase - Very Significant

- Significant

- Not Significant

iii) Give reasons of your answer in (ii)

10. OUTPUT GROWTH (NET INCOME)

i )Has the net income increased since UBPR`S transformation from a cooperative to a commercial bank? Yes No

ii ) Is the increase - Very Significant

- Significant

- Not Significant

iii) Give reasons of your answer in (ii)

11. INNOVATIONS INHERENT TO BANQUES POPULAIRES TRANSFORMATION FROM A COOPERATIVE TO A COMMERCIAL BANK.

I. i ) Are there new products introduced since UBPR`S transformation from a cooperative to a commercial bank? Yes No

ii ) What are these products?

1. ...........................

2. ...........................

3. ...........................

4. ...........................

5. II i ) Are there new departments introduced with inception of commercial?

Yes No

ii ) What are these Departments?

1. ...........................

2. ..........................

3. ...........................

4. III. i ) Does the transformation of UBPR from a cooperative impacted national economic development ? Yes No

ii ) Is the impact - Very Significant

- Significant

- Not Significant

iii) Give reasons of your answer in (ii)

III. i ) Does the transformation of UBPR from a cooperative affected its perfomance? Yes No

ii ) Is the impact - Very Significant

- Significant

- Not Significant

iii) Give reasons of your answer in (ii)

SERVICE DELIVERY / and PRODUCT DEVELOPMENT

12. i ) does the quality of services offered improved since UBPR`S transformation from a cooperative to a commercial bank? Yes No

ii ) Is the improvement . Excellent

Very good :

Good

Fair

Bad :

Very bad

iii) Give reasons of your answer in (ii)

HUMAN RESOURCE MANAGEMENT

i ) does the UBPR`S transformation from a cooperative to a commercial bank affected working conditions? Yes No

ii ) Is the effect . Excellent

Very good :

Good

Fair

Bad :

Very bad

iii) Give reasons of your answer in (ii)

13. What are suggestions for improving working conditions :

a) 2 IBIBAZO BIGOMBA GUSUBIWA N'ABAKIRIYA BA BPR SA

Italiki ibibazo bisubirijweho :

umwirondoro w'umukiriya :

14. Igitsina: M: F : Ikindi :

15. Irangamimerere :

1. Ndubatse

2. Ndi ingaragu

3. Naratandukanye

4. Narapfakaye

16. Age:

17. Amashuri yize :

1. Amashuri abanza :

2. Ayisumbuye :

3. Kaminuza :

4. Ikindi

18. Umwuga :

1. Ubuhinzi:

2. Ubworozi:

3. Ubucuruzi :

4. Umukozi:

7. Umunyesuri:

6. Akandi kazi

Imikoranire ya banki n`umukiriya

19. Amaze igihe kingana iki ari umunyamuryango w'iyi banki ? :

20. Niba warayijemo nyuma y`uko iba banki y`ubucuruzi :

· Ni izihe mpamvu zatumye utayizamo mbere ?

c) Ntago nari nyizi

d) Gufungura konti byari bihenze :

e) Kubona inguzanyo byari bigoranye

f) Sinabonaga inguzanyo nifuza (Batangaga inguzanyo nkeya)

g) Imikorere ntiyari inoze :

· Ni izihe mpamvu z'ingenzi zatumye uza muri iyi banki ?

a) Umutekano w'amafaranga

b) Gufungura konti birahendutse

c) Ni hafi

d) Kugirango mbone inguzanyo

e) Gucishaho umushahara

f) Bakira neza ababagana :

21. Niba warayijemo mbere y`uko iba banki y`ubucuruzi ;

· Ese ubona imikorere yarabaye myiza cyangwa yabaye mibi ;

a) Myiza cyane :

b) Myiza bigereranyije :

c) Mibi :

Niba ari bibi ibibi bivuge :.....................................

· Ni iki ubona cyahindutse mu mikorere :

a) Bakira ababagana neza:

b) Bihutisha akazi :

c) Batanga inguzanyo zihagije :

d) Inguzanyo zitangwa vuba :

e) Abakozi bazi neza akazi kose :

f) Hari ubwoko bwinshi bw`inguzanyo :

g) ibindi(bivuge) Vuga ibintu wifuza ko bikosoka mu mikorere y`iyi banki :

I. .......................................

II. ........................................

III. ........................................

IV. ........................................

V. ........................................

VI. 22. Wumva uzakomeza kuba umunyamuryango w'iyi banki ?

a) Nibyo cyane ,

b) Nibyo buhoro ,

c) Simbizi ,

d) Hari ubwo bitashoboka ,

e) Sinzakomeza kuba umunyamuryango na gato

Sobanura?

23. Hari ubwo ushishikariza abandi kuza kubitsa cyangwa kuba umukiliya w'iyi Banki? Yego Oya

Imitangire ya service (Ibibazo bigenewe abari abanyamuryango mbere y' uko banki iba iy' ubucuruzi

24. Ni gute ubona servise iki kigo kiguha muri rusange?

1. Ntizishimishije na gato :

2. Ntizishimishije :

3. Simbizi :

4. Zirashimishije mu rugero :

5. Zirashimishije cyane :

Ibisabwa kugirango ufungurirwe konte

25. Ni gute ubona ibisabwa kugirango ufungurirwe konti ugereranyije na mbere y`uko iyi banki iba banki y`ubucuruzi?

1. Biraruhije cyane kubibona :

2. Biraruhije kubibona:

3. Simbizi:

4. Biroroshye:

5. Biroroshye cyane:

Igihe umuntu ategereza guhabwa servisi

26. Ni gute ubona igihe umara utegereje service muri rusange ugereranyije na mbere y`uko iyi banki iba banki y`ubucuruzi?

1. Ziratinda cyane :

2. Ziratinda :

3. Simbizi :

4. Zirihuta :

5. Service zirihuta cyane :

Ibyifuzo

27. Ni iki wasaba iki kigo kugirango kirusheho kugufasha kwiteza imbere no kuguha service nziza ugereranyije n`izo wahabwaga mbere y`uko banki iba iy`ubucuruzi ?

2 COPY OF CLEARANCE LETTER.