https://dr.ur.ac.rw/handle/123456789/14 Research works from the College of Business and Economics 2026-04-21T13:04:12Z https://dr.ur.ac.rw/handle/123456789/857 The Role of Economic Factors in the Choice of Medical Providers in Rwanda Ruhara, Charles Mulindabigwi; Josue, Mbonigaba The purpose of this paper is to investigate the role of economic factors in choosing alternative service providers and to recommend suitable measures that could be taken to improve the use of health services in Rwanda. The study uses a multinomial logit framework and employs the Integrated Household Living Conditions Survey (EICV2) conducted in 2005 by the National Institute of Statistics of Rwanda (NISR). To handle the problem of endogeneity, we estimate a structural model. The results indicate that health insurance is an important factor in the choice of health facilities. User fees are major financial barriers to health care access in Rwanda. The results suggest that as household income increases, patients shift from public to private health facilities where quality is assumed to be high. A number of policy recommendations emerge from these findings. First, as insurance is an important factor in choosing a health care facility, policies that reduce health care costs to patients would substantially increase the use of health services. Second, since an increase in income allows the patient to shift to private facilities, the government should consider subsidizing private health facilities to enable access to care in private sector facilities by low-income households. Finally, since distance affects access to health care in Rwanda, there is a need to improve geographical accessibility to health facilities across regions by upgrading and expanding transportation and health infrastructures. Article 2016-04-01T00:00:00Z https://dr.ur.ac.rw/handle/123456789/855 Financial inclusion and social economic development of districts in Rwanda: a case study of Musanze District uwamahoro, Alexis This study analysed the effect of financial inclusion on the social economic development of local government in Rwanda taking Musanze district as the case study covering a period from 2011 2013. The main objective of this study was to assess the effect of financial inclusion on the development local governments taking Musanze districts as the case study. The study was guided by the following specific objectives. A conceptual framework showing the relationship between variables was designed from which the analysis was made. The independent variable was measured by financial inclusion and the dependent variable was measured by social economic development. The model also shows other variables which affect the dependent variable. A multi-method approach composed of qualitative and quantitative design was used. A population of 2000 member of the household community was selected from two sectors. The sample was determined using Rao software from which 92 respondents were selected. Questionnaire and interview was used to correct primary data whereas on-desk research was used to correct secondary data. Data was processed and summarised into frequency table using the statistical package for social sciences (SPSS) from which analysis was made. The results from the survey indicated use of financial inclusion as 95.5% indicated that they have accounts with the banks, 45.5% they use mobile money, 51.5% have had access to loan from banks, 48.5% have had access to insurance services. A number of benefits have been derived by the community through financial inclusion. The results indicated that the respondents have managed to make savings, build houses, pay school fees for their children, and bought land. Based on the results it is indicative that financial inclusion is a key driver in the social economic development of the local government. Based on the findings, the following recommendations were developed. The government should put in place a guarantee fund in order to enable even those without security to have access to loans. Financial institutions should advertise other services they offer to the general public so that the community can be able to access those services. For example insurance companies must sensitise the community on other products they have apart from health insurance and banks should sensitise the community on fixed deposit accounts. More still financial institution considers educating the community on how to manage finance. Research Paper 2015-09-01T00:00:00Z https://dr.ur.ac.rw/handle/123456789/854 Analysis of the Performance of Rwanda Trade in Services and Regional Integration Hategekimana, Uzziel; Gasheja, Faustin Rwanda as a least developed country is in economic transformation process for which it aimed at moving from agrarian based economy to knowledge and private sector led economy thereby agricultural labor intensive activities get replaced by industry and service dominance. With economic reforms and policies aligned with vision 2020, service sector became major contributor of the Rwanda GDP (47% compared to 33% for agriculture and 14% for industry). Thus, our research on the analysis of the performance of Rwanda trade in services and regional integration was carried out with the aim of analyzing various trends in trade in services of Rwanda over five year period (2010 to 2014). The results show that, trade in services value considerably improved (Frw1604 to 2536 billion) over five years 2010-2014, which makes service sector major contributor in the country’s GDP. The sector itself is dominated by trade and transport services (33% of total service value) while financial services which deemed to finance engine of the whole economy counts minor share (5% of total service value). Moreover, unlike trade in goods, external trade for Rwanda trade in services marked good performance by reducing trade deficit for about 4 times over five years 2010-2014. In conclusion therefore, Rwandan economy is becoming leveraged on trade in services. As it is facing limited natural resources endowments, Rwanda should continue to embody trade in services in its economic reform and policies. But still, industrialization particularly for agricultural harvest would add value even to service sector contribution. Working paper 2016-08-27T00:00:00Z https://dr.ur.ac.rw/handle/123456789/853 Uzziel, H., & Faustin, G. (2016). Analysis of the Performance of Rwanda Trade in Services and Regional Integration. Hategekimana, Uzziel Rwanda as a least developed country is in economic transformation process for which it aimed at moving from agrarian based economy to knowledge and private sector led economy thereby agricultural labor intensive activities get replaced by industry and service dominance. With economic reforms and policies aligned with vision 2020, service sector became major contributor of the Rwanda GDP (47% compared to 33% for agriculture and 14% for industry). Thus, our research on the analysis of the performance of Rwanda trade in services and regional integration was carried out with the aim of analyzing various trends in trade in services of Rwanda over five year period (2010 to 2014). The results show that, trade in services value considerably improved (Frw1604 to 2536 billion) over five years 2010-2014, which makes service sector major contributor in the country’s GDP. The sector itself is dominated by trade and transport services (33% of total service value) while financial services which deemed to finance engine of the whole economy counts minor share (5% of total service value). Moreover, unlike trade in goods, external trade for Rwanda trade in services marked good performance by reducing trade deficit for about 4 times over five years 2010-2014. In conclusion therefore, Rwandan economy is becoming leveraged on trade in services. As it is facing limited natural resources endowments, Rwanda should continue to embody trade in services in its economic reform and policies. But still, industrialization particularly for agricultural harvest would add value even to service sector contribution. Research article 2016-08-27T00:00:00Z