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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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