5 2 Conclusions.
This research carried out in BPR SA, its purpose was to find out
the rationale and the impact of «banques populaires» transformation
from a cooperative to a commercial bank and therefore, to find out if there is
any improvement to the national economic growth.
The methodological approach used in this study was triangulation
methodology, which combined qualitative and quantitative data trough the use of
questionnaires, libraries, observation and interviews.
A sample of respondents was selected from BPR SA stakeholders and
it was composed of members of board of directors, employees and customers or
depositors.
In this research, stratified sampling has been used to select the
groups of respondents and simple random sampling to select respondents from
respective groups.
During data collection process, the researcher used self
administered questionnaires, interview and libraries as means of getting
information from respondents. The researcher also used documentary analysis as
means of collecting data, published and unpublished documents, reports,
journals and policy papers related to the study.
The research aimed at investigating the rationale and impact of
banques populaires transformation from a cooperative to a commercial bank. The
study findings shown that the respondents largely agree on the positive impact
of banques populaires transformation from a cooperative to a commercial bank
and identified the rationale for the transformation.
This study found out that the banques populaires transformations
from a cooperative to a commercial bank have had a considerable impact on the
capacity of the Rwandan banking sector to mobilize financial savings. The
restructuring of its former structure and the injection of external funds from
Rabo bank resulted in the dynamic growth and the growth of its equity.
The efficiency gained resulted in the provision of intermediation
services, reduction in waiting time to transact banking services and reduction
in the transaction costs of banks and customers.
Other benefits include profit enhancement, the net profit of 1
530 968 000frs is registered compared to a net loss of 441 109 000 frs incurred
in 2007, improvement in the quality of assets, and the reduction of
non-performing loans. There has also been a significant improvement in the
banks' capital adequacy positions.
5 3 Recommendations
The scope of this study would not be complete without mentioning
some of the recommendations derived from respondent's views and from the
researcher's analysis of the issue.
After the researcher thought consistently about the issue (
Problem of the study ), collected relevant data, analyzed the data objectively;
Based on these findings from the study on the rationale and impact of banques
populaires transformation from a cooperative to a commercial bank; the
following recommendations of this study are suggested:
The findings seem to suggest the BPR SA' management to speed up
the computerization process so that the non-computerized branches and sub
branches are computerized so that withdrawals, deposits and transfers between
branches and sub branches become more effective.
The findings seem to suggest the BPR SA' management to review and
improve credit granting process in order to reduce the time for waiting the
loan after all the required documents are provided.
The BPR SA should improve employee working conditions such as
salary increase, medical insurance etc; to avoid poor industrial relations and
get employees motivated.
The BPR SA should improve and speed up salaries and transfers of
funds to maintain customers and become more competitive in Rwandan banking
system.
There is a need to adopt policies to lower interest rates on
loans and increase interest rates on savings and term deposits as the bank
maintain cooperative roots in order to promote a borrowing culture and
provide a conducive environment for savings mobilization.
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