小额信贷机构对卢旺达财富创造的贡献:基基基罗地区Kagarama Umurenge Sacco的案例研究

Q3 Economics, Econometrics and Finance

Afro-Asian Journal of Finance and Accounting Pub Date : 2023-11-01 DOI:10.53819/81018102t2234

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引用次数: 0

摘要

这项研究的总目标是评估卢旺达的小额信贷机构和创造财富的情况。本研究以Kagarama Umurenge SACCO为个案进行。调查结果旨在补充有关小额信贷组织的知识体系，以及它们的业务如何影响成员在卢旺达创造财富的能力。以下目标指导本研究: 评估小额储蓄服务(获取便利和具有成本效益的储蓄)对Kagarama U-SACCO财富创造的影响，评估贷款流程(信贷获取和抵押品)对Kagarama U-SACCO财富创造的影响，评估业务发展(外联和数字金融服务)对Kagarama U-SACCO财富创造的影响。研究对象是自Kagarama U-SACCO成立以来获得两次或两次以上贷款的623名SACCO成员，他们是用描述性研究方法选择的。在分层抽样的帮助下，通过使用Wayne(2014)公式计算，建立了162名受访者的样本量。研究人员在这项研究中使用了第一手和第二手数据。将采用封闭式问卷。描述性研究设计和相关分析也被用来评估数据和结果对整个人群的推广，而多元回归将被用来检验假设。为了计算和分析本研究的数据，使用了现有的统计软件包。次要数据是从Kagarama U-SACCO和项目其他地方的现有文件中获得的。多元回归分析证明，在其他因素不变的情况下，Lending Process使Kagarama U-SACCO的财富创造增加了28.7%，微储蓄服务增加了41.4%，Business Development增加了32.1%，说明小额信贷机构对卢旺达Kagarama U-SACCO的财富创造有重要影响。该研究建议，Kagarama U-SACCO可让成员参与确定服务费和应该预先储蓄的贷款的合理百分比。此外，还建议中非合作组织在其服务中采用技术利用。关键词:小额信贷机构，财富创造，Kagarama Umurenge Sacco, kikiiro区，卢旺达

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Contribution of Microfinance Institutions Towards Wealth Creation in Rwanda: The Case Study of Kagarama Umurenge Sacco in Kicukiro District

The general objective of this study was to assess the microfinance institutions and the wealth creation in Rwanda. The study was carried out in Kagarama Umurenge SACCO as case study. The findings were intended to supplement the body of knowledge on microfinance organizations and how their operations impact members' ability to create wealth in Rwanda. The following goals guide this study: To assess the influence of micro saving services (Ease of access and cost-effective savings) on the wealth creation in Kagarama U-SACCO, to assess the impact of the lending process (credit access and collateral) on the wealth creation in Kagarama U-SACCO, and to assess the impact of business development (outreach and digital financial services) on the wealth creation in Kagarama U-SACCO. The study population, 623 SACCO members who had received two or more loans since the Kagarama U-SACCO's founding, was selected using a descriptive research approach. With the aid of stratified sampling, a sample size a sample size of 162 respondents was established through calculations carried out using Wayne (2014) formula. The researcher used primary and secondary data in this study. A closed end questionnaire will be utilized. Descriptive research design and correlation analysis were also utilized to assess the data and results generalized for the entire population, while multiple regression will be used to test hypotheses. To compute and analyze the data in this study, available statistical packages was used. Secondary data was obtained from available documentation in Kagarama U-SACCO and elsewhere on the project. The multiple regression analysis proved that other factors being constant, Lending Process increases the wealth creation of Kagarama U-SACCO per 28.7%, Micro-saving services by 41.4%, and Business Development by 32.1% meaning that microfinance institutions have an important effect on the wealth creation of Kagarama U-SACCO in Rwanda. The study recommended that Kagarama U-SACCO may involve members in the determination of service fees and a reasonable percentage of the loan that is supposed to be saved in advance. Also, the U-SACCO is recommended to adopt technological utilization in its services. Keywords: Microfinance Institution, Wealth Creation, Kagarama Umurenge Sacco, Kicukiro District, Rwanda

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来源期刊

Afro-Asian Journal of Finance and Accounting Economics, Econometrics and Finance-Finance

CiteScore

0.70

自引率

0.00%

发文量

期刊介绍： Finance and accounting are seen as essential components for the successful implementation of market-based development policies supporting economic liberalisation in the rapidly emerging economies in Africa, the Middle-East and Asia. AAJFA aims to foster greater discussion and research of the development of the finance and accounting disciplines in these regions. A major feature of the journal will be to emphasise the implications of this development and the effects on businesses, academics and professionals. Topics covered include: -Asset pricing, corporate finance, banking; market microstructure -Behavioural and experimental finance; law and finance -Emerging economies: finance, audit committees, corporate governance -Islamic finance, accounting and auditing -Equity analysis and valuation, venture capital and IPOs -National GAAP and IASs compliance, harmonisation and strategies -Financial measurement/disclosure, and the quality of information reported -Accountability and social/ethical/environmental measurement/reporting -Cultural, political, institutional impact on financial measurement/disclosure -Accounting practices for intellectual capital and other intangible assets -Provision of non-audit services and impairment to auditor independence -Audit quality and auditor skills; internal control/auditing -Management accounting, control and /use of key performance indicators -Accounting education and professional development, accounting history -Public sector and not-for-profit accounting