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(Smes). These Smes Face Difficulties in Their Establishment and Functioning

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(Smes). These Smes Face Difficulties in Their Establishment and Functioning FOREWORD The economic development of a country goes through development of its Medium and Small Enterprises (SMEs). These SMEs face difficulties in their establishment and functioning. They come up against different problems but the critical one is lack of information on operational credits be in Rwanda or abroad. Being aware of the importance that the private sector plays in economic development of the country and referring to suggestions made by participants during the official launching ceremony of the first edition, CAPMER has elaborated the second edition of the booklet on sources for financing Small and Medium Enterprises in Rwanda. This booklet deals with different types of financing that SME can access to in Rwanda such as credits from commercial banks, operational guarantee fund, the existing funding programmes in the form of competition of business plans, funds meant for micr finance institutions with purpose of financing the economically poor people who can not access to classical credits, joint ventures, franchising, different types of financing such as leasing, exporting financing, etc. This guide calls mainly upon economic action-oriented agents who figure out becoming entrepreneurs or want to get financing in a bid to implement their ideas of project. It’s meant for micro finance institutions so as to improve conditions of refinancing their activities. Done in Kigali, January 1 st , 2007 Pipien HAKIZABERA Director General 1 TABLE OF CONTENT FOREWORD ........................................................................................................................................ 1 TABLE OF CONTENT ........................................................................................................................ 2 ACRONYMS ......................................................................................................................................... 4 I. INTRODUCTION ....................................................................................................................... 6 II. LOCAL FINANCING INSTITUTIONS .................................................................................... 6 II.1. NATIONAL BANK OF RWANDA (BNR) ...................................................................................... 6 II.1.1 Rural Investment Facility (RIF) ................................................................................. 6 II.1.2. Agricultural guarantee facility (FGA). ................................................................... 7 II.1.3. Guarantee fund and credit line meant for retrenched public service dismissed employees. .............................................................................................................. 7 II. 1.4. Preferential refinancing facility of a credit in short and long term for agriculture and agro-industrial exporting activities . .................................................... 8 II. 1.5. Support project guarantee fund to the development of doing cow livestock 8 II.1.6. Cash and export crops Development project (PDCRE) ....................................... 8 II. 1.7. Participating Financial Institutions ............................................................... 9 II.2. COMMERCIAL BANKS ...................................................................................................... 10 II.2.1 Rwanda Development Bank (BRD) ......................................................................... 10 II.2.2. Rwanda Housing Bank (BHR) ................................................................................ 12 II.2.3 Commercial Bank of Rwanda (BCR) ...................................................................... 13 II.2.4. Bank of commerce, Development and Industry (BCDI) ....................................15 II.2.5. Banque à la Confiance d’Or ...................................................................................... 16 II. 2.6. FINA BANK ................................................................................................................... 17 II.2.7 General Company of Banks (COGEBANQUE) ...................................................... 18 III. MICRO FINANCE INSTITUTIONS .................................................................................. 21 III.1. UNION DES BANQUES POPULAIRES DU RWANDA (UBPR) .................................................. 21 III.2. UBAKA ................................................................................................................................. 26 III.3. SOLIDARITY ACTIONS FOR SAVINGS AND CREDIT ................................................................ 26 III.4. UNION DES COOPEC UMUTANGUHA ..................................................................................... 27 III.5. UNLIMITED COMPANY OF SAVINGS AND CREDIT ‘GASABO’ .............................................. 28 III.6. ZIGAMA BICUMBI COOPERATIVE .......................................................................................... 29 III.7. INKINGI MICROFINANCE .................................................................................................... 30 III.19. ZIGAMA CREDIT AND SAVING SOCIETY (CSS) ................................................................... 30 IV. PRIVATE SECTOR SUPPORT FUND .................................................................................. 31 IV.1. RWANDA ENTERPRISE INVESTMENT COMPANY (REIC) ...................................................... 31 IV.2 RWANDA ENTREPRENEUR ’S MARKETPLACE BUSINESS PLAN COMPETITION (EM-BPC) . 31 IV.3 ENTERPRISE DEVELOPMENT FUND (EDF) ........................................................................... 32 IV. INTERNATIONAL INSTITUTIONS ................................................................................. 33 V.1. SUPPORT TO THE MICROFINANCE ............................................................................... 33 V.1.1. Netherlands Development Finance Company (FMO) ......................................... 33 V.1.2 PROPARCO ..................................................................................................................... 35 V.1.3 Développement International Desjardins (DID) .................................................. 36 V.1.4 Fondation Raiffeisen Belge (BRS) ............................................................................ 37 V.1.5 Incofin .............................................................................................................................. 39 V.1.6 Africap Microfinance Fund (AFRICAP) .................................................................. 40 V.1.7 Accion International .................................................................................................... 41 V.1.8 International Solidarity for Development and Investment (SIDI) ................. 41 V.2 THE GUARANTEE FUNDS .................................................................................................. 42 V.2.1 International Guarantee Fund (FIG) ...................................................................... 42 2 V.2.2 African Guarantee Fund and Economic Cooperation (FAGACE ) .................... 43 V.2.3 African Solidarity Fund (FSA) .................................................................................. 44 V.2.4 The Multilateral Guarantee of Investments Agency (MGIA) ........................... 45 V.3 COMMERCIAL BANKS ........................................................................................................ 46 V.3.1 African Development Bank (ADB) ........................................................................... 46 V.3.2 European Investment Bank (BEI) ............................................................................ 47 V.3.3 BIO ................................................................................................................................... 48 V.3.4 International Financial Company (IFC) ................................................................ 49 V.3.5 Eastern and Southern African Trade and Development Bank (PTA BANK) . 50 V.4 SUBSIDIES ..............................................................................................................................51 V.4.1 Business Linkages Challenge Funds (BLCF) ..........................................................51 V.4.2 the Emerging Markets Cooperation Program (PSOM) .......................................51 V.4.3 Bid challenge ................................................................................................................. 52 V.5. TECHNICAL ASSISTANCE ................................................................................................ 52 V.5.1 Proinvest ......................................................................................................................... 52 V.5.2 Enterprise Development Centre (CDE) ................................................................... 53 VI. BILATERAL PROGRAM ....................................................................................................... 55 VI.1 Canadian Fund for Gender and Development (FCGEB) ....................................... 55 VI.2 Belgium Technical Cooperation (CTB) ..................................................................... 55 VI.3 Development Program Related to Export Transactions (ORET) ...................... 56 VI.4 Non repayable Aid for Local Small Projects (ALP) ............................................... 57 VI.5 Ambassadors Self Help Fund .....................................................................................
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