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

BIBLIOGRAPHY

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Gill K., EDUARD,. (1989). Commercial Banking, Prentice hall, Englewood cliffs, New Jersey.

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APPENDICES

Appendix I: an introduction letter to the respondents

Dear Sir/Madam

I am a finalist student at the National University of Rwanda in the Faculty of Economics and Management Department of Economics. I am carrying out the research project entitled: An assessment of the role commercial banks in promoting trade in rural areas. A case study of BPR SA Kaduha sub-branch.

You are kindly requested to provide the necessary information about your bank as regard this research by answering these questions.

You are requested to be sincere, as confidentiality of information will be highly respected as this research is only for academic purposes.

Thank you for sincerity and cooperation

Silas HABARUREMA

IBARUWA YO GUSUBIZA IBIBAZO

Bwana/Madamu,

Ndi umunyeshuri mu mwaka wa nyuma mu ishami ry'Ubukungu muri Kaminuza Nkuru y'u Rwanda. Ndakora ubushakashatsi bujyanye no kureba akamaro ka banki z'ubucuruzi mu guteza imbere ubucuruzi mu cyaro hifashishijwe Banki y'Abaturage y'u Rwanda, Agashami ka Kaduha.

Murasabwa rero gutanga amakuru ya ngombwa musubiza ibibazo byabajijwe.

Murasabwa kandi gutanga ibisubizo by'ukuri, kandi mbijeje ko ibisubizo byanyu bizakoreshwa gusa mu kwandika igitabo.

Tubaye tubashimiye ubufatanye bwanyu.

Silas HABARUREMA

QUESTIONNAIRE ADDRESSED TO THE TRADERS WHO RECEIVED LOAN FROM BPR S.A KADUHA SUB-BRANCH /Ibibazo bigenewe abacuruzi babonye inguzanyo muri Banki y'Abaturage Agashami ka Kaduha

I. Identification/Umwirondoro

Sector/Umurenge:..........................

District/Akarere:........................

Province/Intara:......................

II. Questions related to the credit received from the bank

Ibibazo byerekeye ku nguzanyo yatswe muri banki

1. Tick the letter corresponding to the trading activity you got the loan to support from BPR S.A KADUHA Sub-Branch

Hitamo inyuguti ijyanye n'igikorwa cy'ubucuruzi wakiye inguzanyo muri Banki y'Abaturage y' u Rwanda Agashami ka Kaduha.

a. Trading of agricultural product

Ubucuruzi bw' ibikomoka ku buhinzi n'ubworozi

b. Trading of food processed products

Ubucuruzi bw' ibiribwa byatunganyirijwe mu nganda

c. Trading of industrial products

Ubucuruzi bw'ibikoresho bikomoka mu nganda

d. Trading of service

Ubucuruzi bwa serivisi

e. Other trading (give it)

Ubundi bucuruzi (Buvuge):....................................

2. How much credit did you obtain from the BPR S.A KADUHA Sub-Branch?

Wabonye inguzanyo ingana n'amafaranga angahe muri Banki y'Abaturage y'u Rwanda Agashami ka Kaduha?

a. Less than 100 000 Rwf

Mu nsi y'amafaranga 100 000

b. Between 100 000 and 500 000 Rwf/

Hagati y'amafaranga 100 000 na 500 000

c. Between 500 000 Rwf and 1 000 000 Rwf

Hagati y'amafaranga 500 000 na 1 000 000

d. Over 1 000 000 Rwf

Hejuru y'amafaranga 1 000 000

3. When you requested the credit, how long did it take you to obtain?

Wabonye inguzanyo hashize igihe kingana iki uyatse?

a. Less than one month

Munsi y'ukwezi kumwe

b. Between 1 and 2 months

Hagati y'ukwezi kumwe n'amezi abiri

c. Between 2 and 3 months

Hagati y'amezi abiri n'amezi atatu

d. Over 3 months

Hejuru y'amezi atatu

4. What was the agreed period of loan repayment?

Wemeye kuzishyura inguzanyo mu gihe kingana iki?

a. Less than one year

Munsi y'umwaka umwe

b. Between 1 and five year

Hagati y'umwaka umwe n'imyaka itanu

c. Over 5 years

Hejuru y'imyaka itanu

5. How long did it take you to repay the loan?

Wishyuye inguzanyo mu gihe kingana iki?

a. Within the agreed period

Mu gihe nari nemeye

b. Beyond the agreed period

Mu gihe kirenze icyo nari nemeye

6. If you repaid the loan within the agreed period, what were the factors helped you succeed?

Niba warishyuye inguzanyo mu gihe wari wiyemereye ni iki cyagufashije kubigeraho?

a. Low interst rate

Inyungu ziri hasi

b. Profitability of the business

Ubucuruzi bwunguka

c. Good management of the loan

Inguzanyo yacunzwe neza

d. Other (give it).................................................................

Ibindi (bivuge)

7. Did your sales volume increase after getting the loan? Yes No

Ese ingano y'ibyo wacuruje yariyongere umaze kubona inguzanyo? Yego Oya

- If yes, what are the reasons of this increase?

Niba ari yego, ni iki cyatumye byiyongera?

a. Raising of capital

Igishoro cyariyongereye

b. Availability of new various products

Kuboneka kw'ibicuruzwa bishya binyuranye

c. All above

Ibyo byose bivuzwe hejuru

d. Other (give it) ikindi (kivuge)

.......................................................................................

..........................................................................................

.........................................................................................

8. Did the tax you pay to the government increase after getting the bank loan? Yes No

Ese imisoro wishyuraga Leta yariyongereye umaze kubona inguzanyo? Yego Oya

- If yes at which rate?

Niba ari yego, ku kihe kigero?

a. Between 25% and 50%

Hagati ya 25% na 50%

b. More than 50%

Hejuru ya 50%

9. What was the performance of your business after getting the loan?

Ni iki cyiza cyabaye ku bucuruzi bwawe nyuma yo kubona inguzanyo?

a. Availability of new products

Naranguye ibicuruzwa bishya

b. Availability of high quality product

Naranguye ibicuruzwa byiza cyane

c. Availability of more products

Naranguye ibicuruzwa byinshi

d. Availability of new services

Natanze serivisi nshya

e. Other (give it)/ ibindi (bivuge)..................................... .............................

10. What was the impact of the bank loan on the employment in your enterprise?

Ni izihe ngaruka inguzanyo watse yagize ku bakozi ukoresha?

a. Recruitment of new employees

Nongereye abakozi

b. Augmentation of the wages and salaries of existing employees

Nongereye imishahara y'abakozi nari nsanzwe nkoresha

c. All above

Nakoze ibyo byose

d. None above

Nta nakimwe nakoze muri ibyo

11. Did your cash inflow increase when you got the loan? Yes No

Ese amafaranga winjizaga yariyongereye umaze kubona inguzanyo? Yego Oya

12. Did the bank loan allow you to increase stock of your product? Yes No

Ese inguzanyo watse yagufashije kongera sitoke y'ibicuruzwa byawe? Yego Oya

13. What was happened to your business after you got the loan?

Umaze kubona inguzanyo ubucuruzi bwawe bwagenze gute?

a. Improvement

Bwaranogejwe

b. Expansion

Bwariyongereye

c. Stagnation

Ntibwahindutse

d. Slowing down

Bwasubiye inyuma

14. After the loan repayment, would you like to request for another one? Yes No

Ese nyuma yo kwishyura urumva wakwaka indi nguzanyo? Yego Oya

- If yes of which amount?

Niba ari yego wakwaka inguzanyo ingana iki?

a. Greater than the previous amount

Iruta iyo natse mbere

b. Equal to the previous amount

Ingana n'iyo natse mbere

c. Less than the previous amount.

Ntoya kuyo natse mbere

15. Is the bank loan helpful in financing your trading activities?

Ese inguzanyo ya banki yaba ifasha guteza imbere ubucuruzi?

a. Strongly agree

Nibyo cyane

b. Agree

Nibyo

c. Disagree

Sibyo

d. Strongly disagree

Sibyo cyane

16. After getting the loan were your standards of living improved? Yes No

Ese nyuma y'uko ubonye inguzanyo imibereho yawe yabaye myiza kurushaho? Yego Oya

17. How do you appreciate the credit service offered by BPR S.A KADUHA Sub-Branch?

Ubona ute ibikorwa bijyanye no gutanga inguzanyo bya banki y'abaturage y'u Rwanda agashami ka Kaduha?

a. Very good

Ni byiza cyane

b. Good

Ni byiza

c. Bad

Ni bibi

d. Very bad

Ni bibi cyane

18. What suggestions could you give to the BPR S.A KADUHA Sub-Branch in order to improve its credit services?

Ni izihe nama wagira banki y'abaturage y'u Rwanda agashami ka Kaduha ngo itunganye neza ibikorwa byayo byo kuguriza?

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