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
vi
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
vii
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
LUC, M (2021). The Role Of Umurenge Sacco In Promoting Rural Development In Rwanda: A Case Of Kibirizi Division. Afribary. Retrieved from https://afribary.com/works/the-role-of-umurenge-sacco-in-promoting-rural-development-in-rwanda-a-case-of-kibirizi-division
LUC, MBONYUWONTUMA "The Role Of Umurenge Sacco In Promoting Rural Development In Rwanda: A Case Of Kibirizi Division" Afribary. Afribary, 03 Jun. 2021, https://afribary.com/works/the-role-of-umurenge-sacco-in-promoting-rural-development-in-rwanda-a-case-of-kibirizi-division. Accessed 09 Oct. 2024.
LUC, MBONYUWONTUMA . "The Role Of Umurenge Sacco In Promoting Rural Development In Rwanda: A Case Of Kibirizi Division". Afribary, Afribary, 03 Jun. 2021. Web. 09 Oct. 2024. < https://afribary.com/works/the-role-of-umurenge-sacco-in-promoting-rural-development-in-rwanda-a-case-of-kibirizi-division >.
LUC, MBONYUWONTUMA . "The Role Of Umurenge Sacco In Promoting Rural Development In Rwanda: A Case Of Kibirizi Division" Afribary (2021). Accessed October 09, 2024. https://afribary.com/works/the-role-of-umurenge-sacco-in-promoting-rural-development-in-rwanda-a-case-of-kibirizi-division