The study was guided by analyzing the contribution of commercial banks in economic development of SMEs The target population for the study consisted of registered SMEs in KCBR as their clients.A descriptive research design as well as an explanatory research design was used. The study used Bouchard formula to sample SMEs and then used random sampling to select the 105 SMEs. The respondents of the study were the owners and managers of the SMEs. The study used questionnaires to collect quantitative data using closed ended questions
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Data analysis will be done using SPSS statistical software version 21. Descriptive statistics (Frequencies, Means and Standard deviation) and inferential statistics (Correlations and regression) were used in analysis. A multiple linear regression model was used for analysis and all tests were conducted at 5% level of significance. The study findings indicated that banking services are positively related with economic development of SMEs. The study concluded that commercial banks in Nyarugenge district are favorable. The study also concluded commercial bank services are effective and they economic development of SMEs significantly.
SMEs in Rwanda suffer from weak financial performance and a high failure rate. Scholars argue that judging by the poor economic development of the informal sector, not much progress seems to have been achieved, despite government efforts to promote SME activity. Some of the key factors attributed to this poor performance is access to financial services. Therefore, the purpose of this study was to examine the contribution of commercial banks in economic development of SMEs
Normally, SMES play vital and significant contributors to economic development through their critical role in providing job opportunities and reducing poverty levels, an estimated number of up to 40% of the start-ups SMEs fail by year 2 and at least 60% close their doors by year 4.
This menace is attributed to poor financial management among small businesses. Accessing credit is a major constraint to the economic development and growth of SMEs and also to poor rural and urban households. This is mainly due to the behavior of lenders in terms of hedging against borrowers’ risks by demanding collateral, which they lack, and also information asymmetry.
Table of Contents
OPERATIONAL DEFINITION OF TERMS
ABBREVIATIONS AND ACRONYMS
ABSTRACT
GENERAL INTRODUCTION
1. INTRODUCTION
2. PROBLEM STATEMENT
3. OBJECTIVES OF THE STUDY
3.1 GENERAL OBJECTIVES
3.2 SPECIFIC OBJECTIVES
3.2.1 RESEARCH QUESTIONS
3.2.2 Hypothesis1
3.2.3 Hypothesis 2
4.1Time Scope
4.2 Geographical Scope
4.3 Content Scope
5. Significance of the Study
5.1 To the researcher
5.3 To the ULK Community
CHAPTER ONE: LITERATURE REVIEW
1.1 Introduction
1.2 Conceptual Review
1.2.1Commercial banks
1.2.2 Small and medium enterprise
Table1.1: SMEs definition
1.2.3 Economic Development
1.3 THEORETICAL REVIEW
1.3.1. THEORIES OF COMMERCIAL BANKS
1.3.2 Theories of SMEs economic development
1.4 Review Related Literature
1.5 Conceptual framework
CHAPTER TWO: METHODOLOGY
2.1 Research design
2.2Population study
2.3Sample size and selection
2.3.1Types of the Data
2.3.2Data Collection Methods and Instruments
2.3.2.1 Reliability and validity
2.3.2.3 Validity
2.3.3Documentary Review
2.3.4 Data Analysis Technique
CHAPTER THREE: PRESENTATION OF FINDINGS
3.1 EFFECTIVENESS KCBR FINANCIAL SERVICES TO SMEs
3.1.1 Types of Financial Services
3.1.2 Criteria Required for SMES Loan in KCBR
3.1.3 Size of Loans Amount Applied And Received By The SMEs In KCBR Nyabugogo Branch
3.1.4. Evolution of loans applied and received by customers
3.2. Contribution commercial banks in economic development of SMEs
3.2.1 Sources of Funds for SMEs
3.2.2 Financial performance of SMEs
3.2.3 FINANCIAL PERFORMANCE OF SMEs BEFORE AND AFTER GETTING KCBR FINANCIAL SERVICES
3.3 SUMMARY OF FINDINGS
3.4 CONCLUSIONS
3.5 RECOMMENDATIONS OF THE STUDY
REFERENCE
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