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An assessment of the role of commercial banks in promoting trade in rural areas: case study BPR S.A Kaduha sub-branch


par Silas HABARUREMA
National University of Rwanda - A0 2011
  

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NATIONAL UNIVERSITY OF RWANDA

NATIONAL UNIVERSITY OF RWANDA

FACULTY OF ECONOMICS AND MANAGEMENT

DEPARTMENT OF ECONOMICS

OPTION OF MONETARY ECONOMICS

ACADEMIC YEAR: 2011

AN ASSESSMENT OF THE ROLE OF COMMERCIAL BANKS IN PROMOTING TRADE IN RURAL AREAS:

Case study BPR S.A KADUHA Sub-Branch

Dissertation submitted to the Faculty of Economics and Management as a partial fulfillment for the award of the Bachelor's Degree in Economics by the National University of Rwanda.

By

HABARUREMA Silas

Director: Mr BIRASA NYAMULINDA

Huye, September, 2011

DECLARATION

I, Silas HABARUREMA, hereby declare that this dissertation entitled «AN ASSESSMENT OF THE ROLE OF COMMERCIAL BANKS IN PROMOTING TRADE IN RURAL AREAS» A case study of BPR SA., KADUHA Sub- Branch is my original work and has never been submitted to any University or other Institution or higher learning. It is my own research whereby other scholar's writings were cited and references provided.

Student's name: HABARUREMA Silas

Student's signature: ................................

Director's name: Mr BIRASA NYAMULINDA

Director's signature: .................................

DEDICATION

To the Almighty God

To my late father

To my mother

To my late brother

To my brother and my sister

To my wife Olive KANKERA

To our beloved son HABARUREMA NSHUTI Aristide

To all my friends and relatives

I dedicate this dissertation.

ACKNOWLEDGEMENTS

This laborious work would not have been a success had it not been moral, financial support and guidance from various persons. I would like to express my most sincere gratitude and heart-felt appreciation firstly, to my almighty God, to whom I owe my life, wisdom, and good faith in all my endeavors. I praise him for enabling me on my academic journey and carry out this research in particular.

I wish to express my sincere gratefulness to my supervisor BIRASA NYAMULINDA, for his incomparable commitment to supervise my dissertation and his guidance. I am very grateful to him for giving me the benefits of his experience and suggestions.

Immeasurable and exceptional gratitude goes to the teachers in the department of Economics, Faculty of Economics and Management, National University of Rwanda who gave me invaluable guidance towards this work.

My thanks to my best friends, BALIGIRA Jean Evode, BIKORIMANA Celestin, HARINDINTWARI Innocent, HAKIZAMUNGU Celestin, NKUNDABANYANGA J. Baptiste, your love and advice were very helpful during my dissertation.

I owe my thanks to the Family RUHUMURIZA Nathan, Family NTIMUGURA Marcellin and Family BATUNGWANAYO Janvier Felicien who gave me moral and financial support during my academic formation.

My further thanks go to the Manager of BPR SA, Kaduha sub-branch, Mr Callixte KARIMUNDA his high collaboration to the results of this research.

MAY GOD BLESS YOU ALL

LIST OF ABBREVIATIONS

BCR: Banque Commerciale du Rwanda

BNR: Banque Nationale du Rwanda

BPR: Banque Populaire du Rwanda

BRD: Banque de Reconstitution au Développement

CDF: Community Development Fund

CEPGL: Communauté Economique des Pays des Grands Lacs

EDPRS: Economic Development and Poverty Reduction Strategy

GDP: Gross Domestic Product

MFI: Microfinance Institutions

SA: Société Anonyme

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