The Impact of Microcredit on the Income of Rural Population in Rwanda. A Case Study of SACCO Shyara

摘要

This research paper is assessing the impact of microcredit on the income of rural population in Rwanda. A case study of Sacco Shyara which is located in Eastern Province，Bugesera District，Shyara Sector.
　　Carrying out this research，a sample size of 50 customers who got microcredit from Sacco Shyara have been selected randomly. Questionnaires，interviewto the manager of Sacco Shyara and reports about financial planning of Sacco Shyara 2014-2016 have been used as data collection tools.
　　The research findings have shown that microcredits that have been given to 50 borrowers，have increased the income they gained before taking the loan，as they have invested microcredit received in income generating activities. There has been average percentage increase in monthly income of 59.92％. Monthly expenses on food have also increased by 53.43%. Borrowers have been able to pay Health insurance for themselves and for people who depend on them，the amount ranging from 3000Rwf to 21000Rwf;respondents also ascertained that expenses on education of dependents have increased by 26.74%. This increase in income has improved the living standards of borrowers in terms of better nutrition，healthcare，and education of borrowers.
　　However，22%of respondents have defaulted to pay back the loan which is asignificant portion;Sacco Shyara should take attention on it，and put in place measures to minimize microcredit payment default.

目录

声明

CHAPTER 1:INTRODUCTION

1.1 Background and Significance

1.2 Problem statement

1.3 Research questions

1.4 Research objectives

Chapter 2:Literature Review

2.1 Notion of Self-help Group

2.2 Importance of microcredit

2.3 Creation of Umurenge Saccos in Rwanda

Chapter 3:Research Methodology

3.1 Area of the study

3.2 Sample size

3.3 Sample selection

3.4. Data collection tools

3.5 Data management and analysis.

CHAPTER 4:DATA ANALYSIS AND RESEARCH FINDINGS

4.1 Identification of respondents

4.2. Microcredit, its Use and its Social Economic Impact

4.3 Microcredit and its management

CHAPTER 5: CONCLUSION AND RECOMMENDATIONS

5.1 Conclusion

5.2 Recommendations

参考文献

6 Appendixes:

6.1 Questionnaire

6.2 Interview with the management

LIST OF ABBREVIATIONS AND ACRONYMS

致谢

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