The Role Of Umurenge Sacco In Promoting Rural Development In Rwanda: A Case Of Kibirizi Division

TABLE OF CONTENTS

APPROVAL .................................................................................................................................... i

DECLARA1'ION ............................................................................................................................ ii

DEDICATION ............................................................................................................................... iii

ACKNOWLEDGEMENT ............................................................................................................. iv

LIST OF ABBREVIATONS AND ACRONYMS ......................................................................... v

TABLE OF CONTENTS ............................................................................................................... vi

ClIAPTER ONE ........................................................................................................................... 1

INTRODUCTION ......................................................................................................................... 1

1.1 Introduction ............................................................................................................................... 1

1.2 Background of the study ........................................................................................................... 1

1.3 Statement of the problem .......................................................................................................... 3

1.4 Purpose of the study .................................................................................................................. 3

1.5 Specific objectives .................................................................................................................... 3

1.6 R.esearch questions .................................................................................................................... 3

1. 7 Study Hypothesis ...................................................................................................................... 3

1. 8 Scope of the study ..................................................................................................................... 4

1.81 Subject scope .......................................................................................................................... 4

1.82 Geographical scope ................................................................................................................. 4

1.83 Ti1ne scope .............................................................................................................................. 4

1. 9 Significance of the study ........................................................................................................... 4

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CIIAPI'fER TWO ......................................................................................................................... 6

LI'fERA TURE REVIEW ............................................................................................................ 6

2.1 Introduction ............................................................................................................................... 6

2.2 U1nurenge SACCO ................................................................................................................... 6

2.3 Rural areas ................................................................................................................................ 7

2.4 Develop1nent ............................................................................................................................. 7

2.5 Rural development .................................................................................................................... 9

2.6 Rural development strategy .................................................................................................... 12

2.7 Rural development programs and policies .............................................................................. 14

2.8 Rural bank and credit cooperatives ......................................................................................... 14

CIIAP'fER THREE .................................................................................................................... 17

METHODOLOGY ..................................................................................................................... 17

3.1 Introduction ............................................................................................................................. 17

3.2 Area of the study ..................................................................................................................... 17

3.3 Study design ............................................................................................................................ 17

3 .4 The study population ............................................................................................................... 17

3 .5 Sa1nple size ............................................................................................................................. 17

3 .5 Source of data ......................................................................................................................... 18

3 .6 Data collection instru1nents ..................................................................................................... 18

3.7 Documentary study ................................................................................................................. 18

3 .8 Questionnaire .......................................................................................................................... 19

3 .9lntervieV schedule ................................................................................................................... 19

3 .10 Data processing ..................................................................................................................... 19

j,11 Editing ................................................................................................................................... 19

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3.12 ·rabulation ............................................................................................................................. 20

3.13 Limitation of the study .......................................................................................................... 20

CIIAPITER FOUR ..................................................................................................................... 21

DATA ANALYSIS AND INTERPRETATION ....................................................................... 21

4.1 Introduction ............................................................................................................................. 21

4.2 Characteristics of respondents ................................................................................................ 21

4.21 Sex ......................................................................................................................................... 21

4.22 Age ........................................................................................................................................ 22

4.23 Marital status ......................................................................................................................... 23

4.24 Education level. ..................................................................................................................... 23

4.3 Customers' occupation ............................................................................................................ 24

4.4 Starting of membership with SACCO: ................................................................................... 26

4.5 Membership and duration in saving of SACCO members ..................................................... 27

4.6 Customer saving place before joining the SACCO ................................................................ 28

4.7 Reasons of customers for not to save before joining SACCO ................................................ 29

4.8 Distance to SACCO ................................................................................................................ 29

4.9 Major activities of cooperative members ................................................................................ 30

4.10 Members' level of satisfaction of activities and the advantages met after joining SACCO. 31

4.11 Members' perception about causes of under development.. ................................................. 32

4.12 Objectives of joining the SACCO ......................................................................................... 34

4.13 SACCOs contribution towards rural development ............................................................... 34

4 .14 encouragement of joining SACCO ....................................................................................... 3 5

+.15 Inducement of the customers ............................................................................................... 36

L 16 Challenges and problems faced by their SACCO ................................................................. 36