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The impact of Microfinance Loans on Rural Development in Rwanda, a case of RIM Microfinance Ltd Nyagatare Branch.

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The impact of Microfinance Loans on Rural Development in Rwanda, a case of RIM Microfinance Ltd Nyagatare Branch.
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    The Impact of Microfinance Loans on Rural Development in Rwanda.  Page i DECLARATION I, UWIMANA Jean Damascène ,  do declare that this dissertation is my srcinal work except where otherwise acknowledged. It has not been presented for publication anywhere, or for any award in any university, college or high institution. Signed:……………………… Date:1 st October 2012    The Impact of Microfinance Loans on Rural Development in Rwanda.  Page ii CERTIFICATE This is to certify that UWIMANA Jean Damascène has carried out his research work on topic entitled: “The Impact of Microfinance loans on rural Development in Rwanda” under my supervision. This work is srcinal in nature and it is sufficient for submission for the partial fulfillment for the award of bachelor’s degree in Finance.   Signed:……………………………  Date:1 st  October 2012  Mrs. Odette DUSAIDI    The Impact of Microfinance Loans on Rural Development in Rwanda.  Page iii DEDICATION This work is dedicated to all Might God, my parents: RUTERANA Thaddée and MUKANDANGA Joséphine who gave me materials support and courage during hard time of my work. To my brother UWIZEYIMANA Emmanuel and other relatives who gave me their support and encouragement toward the success of this research work, to my supervisor Mrs. Odette DUSAIDI  for her knowledge, time and effort she sacrificed for me. Thank you all, may God reward you for your generosity and kindness.    The Impact of Microfinance Loans on Rural Development in Rwanda.  Page iv ACKNOWLEDGEMENT In carrying out this study, I am deeply indebted to many individuals and institutions. It is  practically impossible to individually thank all the people who generously gave moral and material assistance to facilitate the study. However, a few of them deserve mention.   First, I am grateful to my research supervisor  Mrs. Odette DUSAIDI   who devoted much of her valuable time to this work through her open criticism and suggestions; this research work has come to a meaningful presentation. May God sustain her all through and grant her special ability to render more supervision in years to come. Special thanks go to the staff of RIM Ltd /Nyagatare branch, particularly the manager of the  branch and the credit officer of Nyagatare branch for their assistance during my research work despite a lot of work they had to do. I cannot fail to make special mention of my parents whose toil and sacrifice made it possible for me to attain good education. I also record my appreciation for the patience understanding and encouragement of my loving brothers and sisters without which I wouldn’t succeed in my Endeavour.    The Impact of Microfinance Loans on Rural Development in Rwanda.  Page v Table of Contents DECLARATION ................................................................................................................................................ i CERTIFICATE .................................................................................................................................................. ii DEDICATION ................................................................................................................................................. iii ACKNOWLEDGEMENT .................................................................................................................................. iv Table of Contents .......................................................................................................................................... v LIST OF ABREVIATIONS ................................................................................................................................ vii LIST OF TABLES/FIGURES .............................................................................................................................. x ABSTRACT ..................................................................................................................................................... xi CHAPTER ONE: GENERAL INTRODUCTION .................................................................................................... 1 I.0. INTRODUCTION ................................................................................................................................... 1 I.1.BACKGROUND OF THE STUDY.............................................................................................................. 1 I.1.1. Background to RIM Ltd ................................................................................................................ 2 I.1.2. Community Banking Methodology .............................................................................................. 3 I.2. STATEMENT OF THE PROBLEM ........................................................................................................... 4 1.3. RESEARCH QUESTIONS ....................................................................................................................... 5 I.4. SIGNIFICANCE OF THE STUDY ............................................................................................................. 5 1.5. OBJECTIVES OF THE STUDY ................................................................................................................ 6 1.5.1. General Objective ....................................................................................................................... 6 1.5.2. Specific Objectives ...................................................................................................................... 6 1.6. SCOPE OF STUDY ................................................................................................................................ 6 1.7. LIMITATIONS OF THE STUDY .............................................................................................................. 6 1.8. ORGANIZATION OF THE STUDY .......................................................................................................... 7 CHAPTER TWO: LITERATURE REVIEW ........................................................................................................... 7 2.0. INTRODUCTION ................................................................................... Error! Bookmark not defined.  2.1. DEFINITION OF KEY CONCEPTS .......................................................................................................... 8 2.1.1. Microfinance ............................................................................................................................... 8 2.1.2. Development ............................................................................................................................. 10 2.1.2. Rural development .................................................................................................................... 11 2.1.3. Types of Micro-finance ............................................................................................................. 11
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