摘要:本文是一篇新加坡留学生论文,研究的目标是住房和城市资金可持续发展,对于亚太地区来说,城市化、经济增长、贫困和环境恶化多因素制衡,再加上经济泡沫的影响,城市化的进行任重道远。
s on financing projects geared towards rural development, since 90% of the Rwandan population is rural. A new subsidiary have been created
2.11.1. Sectors of operation
Rwanda Development Bank operates in all sectors of productive investment that generate value addition with positive social, economic and environmental impact aligned both with national strategies and the Bank’s strategic priorities. The sectors include the following:
Agriculture & livestock;
Manufacturing industry;
Education and Health care;
Energy and Water;
Hotel and Tourism;
ICT;
Transport and related facilities;
Exports;
Real Estate
Micro-finance
2.11.2.Products & Facilities
The Rwanda Development Bank put great products in front of their customers. These Products are:
Loans;
Trade Finance;
Leasing;
Equity;
Deposit Taking;
Refinancing;
Mortgage Financing;
Capacity Building &
Advisory
Salary advance
Temporary overdraft
Home equipment Financing
Vehicle loans
2.11.3.Branches
To bring services closer to the people, the bank maintains branches at the following locations: [3]
Main Branch - Kigali
Kayonza Branch - Kayonza, Eastern Rwanda
Musanze Branch - Musanze, Northern Rwanda
Karongi Branch - Karongi, Western Rwanda
Huye Branch - Huye, Southern Rwanda
2.11.4. Vision , mission and core
Vision: To be the Leader of productive investment and the most profitable Bank at the service of poverty reduction.
Mission: The Government of Rwanda’s investment arm that finances the nation’s development objectives with a focus on the priority sectors of the economy
Core Values
Professionalism: BRD staff has to be highly qualified, motivated with respect to the professional ethics
Quality of the service: The quality of the service provided by BRD has to go beyond the customers’ expectations
Efficiency and effectiveness: The Bank has to set up clear and measurable objectives in term of the portfolio quality and growth as well profitability of all its operations.
Innovation: The bank has to be innovative and dynamic, in order to provide good financing tools or products, and financing conditions to the customers.
CONCLUSIONS
The process of urbanization is a driving force of economic development where it can yield tangible results as long as it is controlled, planned and directed in line with accepted standards and norms. It must be implemented within the framework of sustainable development while meeting the needs of the people and contributing to their social and economic development with due regard to environmental sustainability.
The implementation of a National Urban Housing Policy depend on the increase of tax revenue from the communities, the transfer of government resources and the capacity of cities to conceive and implement development strategies. It is important to emphasize on resource mobilization in order to
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