[ L’OCTROI DU CREDIT DE LA « COOPERATIVE D’EPARGNE ET DE CREDIT (COOPEC- NYAWERA) » DANS LA LUTTE CONTRE LA PAUVRETE RURALE DANS LA ZONE DE KATANA ]
Volume 27, Issue 3, October 2019, Pages 861–872
MUNGUACIZA KABUNGA Benjamin1, MUSHAGALUSA MUDEKEREZA George2, CIREGEREZA RUGARABURA Olivier3, SIFA RUGARABURA4, and BULONZA MUGALIHYA5
1 Assistant, Institut Supérieur des Techniques Médicales (ISTM/Nyangezi), RD Congo
2 Chef des Travaux, Institut Supérieur des Techniques Etudes Agronomiques et Vétérinaires (ISEAV Walungu), RD Congo
3 Assistant, Institut Supérieur des Techniques Médicales (ISTM/Nyangezi), RD Congo
4 Assistante, Institut Supérieur des Techniques Médicales (ISTM/Nyangezi), RD Congo
5 Assistante, Institut Supérieur des Techniques Médicales (ISTM/Nyangezi), RD Congo
Original language: French
Copyright © 2019 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
In the context of funding the economic activities of the population in sub-Saharan Africa, microfinance institutions play a major role in providing credit, as well as in the fight against poverty. It is in this sense that our study focuses on the granting of credit from the Nyawera savings and credit cooperative in the fight against rural poverty in the Irhambi-Katana grouping. Analysis of the data and interpretation of the results showed us that the credit granted by the institution has not really succeeded in reducing poverty in this report. At the end of the presentation, analysis and interpretation of the data, we found: - Most loan recipients affect it in small business, especially agriculture, livestock and social needs. This proves that the following hypothesis: "The activities financed by the credit granted by Nyawera savings and credit cooperative would be small trade" is confirmed, the results show us that all economic activities are financed, but especially small trade. - The majority of our respondents feel the need for a loan because the capital invested in the activities is not sufficient. This result leads us to find that the following hypothesis: "is confirmed, because according to the surveys, the economic agents of the Irhambi-Katana grouping are not financially sufficient and that is why they do not have access to credit because the condition to have it they should open an account and have enough money within it. That is why our surveys show that the establishment of the Nyawera Savings and Credits Cooperative has not fought enough against poverty in the Irhambi/Katana grouping.
Author Keywords: Credit, Poverty, grant, saving, Population, Cooperative.
Volume 27, Issue 3, October 2019, Pages 861–872
MUNGUACIZA KABUNGA Benjamin1, MUSHAGALUSA MUDEKEREZA George2, CIREGEREZA RUGARABURA Olivier3, SIFA RUGARABURA4, and BULONZA MUGALIHYA5
1 Assistant, Institut Supérieur des Techniques Médicales (ISTM/Nyangezi), RD Congo
2 Chef des Travaux, Institut Supérieur des Techniques Etudes Agronomiques et Vétérinaires (ISEAV Walungu), RD Congo
3 Assistant, Institut Supérieur des Techniques Médicales (ISTM/Nyangezi), RD Congo
4 Assistante, Institut Supérieur des Techniques Médicales (ISTM/Nyangezi), RD Congo
5 Assistante, Institut Supérieur des Techniques Médicales (ISTM/Nyangezi), RD Congo
Original language: French
Copyright © 2019 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Abstract
In the context of funding the economic activities of the population in sub-Saharan Africa, microfinance institutions play a major role in providing credit, as well as in the fight against poverty. It is in this sense that our study focuses on the granting of credit from the Nyawera savings and credit cooperative in the fight against rural poverty in the Irhambi-Katana grouping. Analysis of the data and interpretation of the results showed us that the credit granted by the institution has not really succeeded in reducing poverty in this report. At the end of the presentation, analysis and interpretation of the data, we found: - Most loan recipients affect it in small business, especially agriculture, livestock and social needs. This proves that the following hypothesis: "The activities financed by the credit granted by Nyawera savings and credit cooperative would be small trade" is confirmed, the results show us that all economic activities are financed, but especially small trade. - The majority of our respondents feel the need for a loan because the capital invested in the activities is not sufficient. This result leads us to find that the following hypothesis: "is confirmed, because according to the surveys, the economic agents of the Irhambi-Katana grouping are not financially sufficient and that is why they do not have access to credit because the condition to have it they should open an account and have enough money within it. That is why our surveys show that the establishment of the Nyawera Savings and Credits Cooperative has not fought enough against poverty in the Irhambi/Katana grouping.
Author Keywords: Credit, Poverty, grant, saving, Population, Cooperative.
Abstract: (french)
Dans le cadre de financement des activités économiques de la population en Afrique subsaharienne les institutions de micro finance jouent un grand rôle dans l’octroi de crédits, ainsi pour lutter contre la pauvreté. C’est dans ce sens-là que notre étude porte sur l’octroi de crédit de la coopérative d’épargne et de crédit Nyawera dans la lutte contre la pauvreté rurale dans le groupement d’Irhambi-Katana. L’analyse des données et l’interprétation des résultats nous a montré que le crédit octroyé par la coopérative n’est pas vraiment parvenu à réduire la pauvreté dans cette contrée. A l’issue de la présentation, l’analyse et l’interprétation des données, nous avons constaté ce qui suit : La plupart de bénéficiaires de prêt l’affectent dans le petit commerce, surtout de l’agriculture, l’élevage et la satisfaction des besoins sociaux. Ceci prouve que l’hypothèse suivante : « Les activités financées par le crédit octroyé par la COOPEC NYAWERA seraient le petit commerce » est confirmée, les résultats nous montrent que toutes les activités économiques sont financées, mais surtout le petit commerce. La majorité de nos enquêtés éprouve le besoin d’un prêt car le capital investi dans les activités n’est pas suffisant. Ce résultat nous amène à trouver que l’hypothèse suivante : « est confirmée, car selon les enquêtes, les agents économiques du groupement d’Irhambi-Katana ne se suffisent pas sur le plan financier et c’est pourquoi ils n’ont pas accès au crédit car pour en avoir il faut avoir ouvert un compte et y avoir suffisamment de l’argent. C’est pourquoi nos enquêtes prouvent que l’implantation de la Coopérative d’Epargne et de crédits Nyawera n’a pas lutté suffisamment contre la pauvreté dans le groupement d’Irhambi/Katana.
Author Keywords: Le crédit, Pauvreté, octroi, Epargne, Population, Coopérative.
How to Cite this Article
MUNGUACIZA KABUNGA Benjamin, MUSHAGALUSA MUDEKEREZA George, CIREGEREZA RUGARABURA Olivier, SIFA RUGARABURA, and BULONZA MUGALIHYA, “THE CREDIT GRANT FROM « SAVING AND CREDIT COOPERATIVE OF NYAWERA » TO ERADICATE COUNTRYSIDE POVERY IN THE KATANA AREA,” International Journal of Innovation and Applied Studies, vol. 27, no. 3, pp. 861–872, October 2019.
