Deposit and Organization Performance of Selected Commercial Banks in Western Province of Rwanda

ABSTRACT 

The study was set out to establish the relationship between deposits and organization performance of selected commercial banks in western province of Rwanda. The objectives of this study are: (i) to determine the profile of the respondents in terms of age, gender, rank, income level, and highest education qualification (ii) to~ determine the level of deposits (current, savings, fixed, recurring, miscellaneous) in western province of Rwanda (iii) to determine the level of organization performance in terms of deposit assurance, profitability, customer satisfaction, employee satisfaction and increased shareholders’ wealth of commercial banks in western province of Rwanda(iv) to establish the relationship between deposits and organization performance of selected commercial bank in western province of Rwanda. The descriptive research design method was used in this study. It involves using questionnaire in collecting data from the respondents and both quantitative and qualitative research designs were used for data analysis. The SPSS was used to analyze all data. The study population comprised 148 employees of banks from which sample size of 108 respondents was chosen, using stratified random sampling method The findings of the study revealed that there is a significant relationship between the deposits and organization performance of selected commercial banks in western province of Rwanda Conclusion there was a very high level of deposits among commercial banks in western province. There was also a relatively high level of organization performance of selected commercial banks in terms of deposit issuance, market share, profitability, customer satisfaction, employee satisfaction and shareholders wealth. Recommendations bank should lay emphasis on customer satisfaction to ensure sustainable market share. This will enhance the customer loyalty to help improve market share the central bank of Rwanda should be vigilante on enforcing banking regulations as this contributions to strict deposit.

TABLE OF CONTENTS

Chapter Page

ONE:THE PROBLEM AND ITS SCOPE 1

Background of the Study 1

Statement of the Problem 2

Purpose of the Study 3

Research Objectives 3

Research Questions 4

Null Hypotheses 4

Scope 5

Significance of the Study 5

Operational Definitions of Key Terms 7

TWO:REVIEW OF RELATED LITERATURE 9

Concepts, Opinions, Ideas from Authors/Experts 9

Theoretical Perspectives 14

Related Studies 15

THREE:METHODOLOGY 17

Research Design 17

Research Population 17’

Sample Size 18

Sampling Procedures 18

Research Instrument 19

Validity and Reliability of the Instruments 20

Data Gathering Procedures 21

Data Analysis 22

Ethical Considerations 23

Limitations of the Study 23

FOUR: PRESENTATION, ANALYSIS AND INTERPRETATION OF DATA 25

CHAPTER FIVE 41

FINDINGS, CONLUSIONS AND RECOMMENDATIONS 41

FINDINGS 41

CONCLUSION 43

RECOMMENDATIONS 44

REFERENCES 45

APPENDIX 1 50

APPENDIX Il-A 50

APPENDIX Il-B 51

APPENDIX III 52

APPENDIX IV 54

APPENDIX V 58