Journal of
Economics and International Finance

  • Abbreviation: J. Econ. Int. Finance
  • Language: English
  • ISSN: 2006-9812
  • DOI: 10.5897/JEIF
  • Start Year: 2009
  • Published Articles: 336

Article in Press



  •  Received: 14 June 2018
  •  Accepted: 14 June 2018
Urwibutso enterprise has been taken as a pilot of a study on analysis of the contribution of small and medium enterprise on wellbeing conditions of households in Rwanda. The study covered a period of 2012 to 2015. This paper aims at answering the question on how small and medium enterprise contribute on wellbeing conditions of households. Methods of data collection included questionnaires and interview on 91 personal of Urwibutso enterprise. Both primary and secondary data were collected and analysed using descriptive statistics and Linear multiple regression analysis and then presented in statistical tables and figures. The relationship and strength between variables can be also determined. The study found that Urwibutso enterprise makes effective use of available local resources and contribute substantially to job creation, income generation and distribution. Therefore promoting easy access to healthcare services (25.7%), increased monthly income (18.6%), got easy access to education (School fees and school materials) (12.9%), financial and food Security (11.4%), started business and acquired livestock (8.6%), acquired new shelter/Housing or improved existing shelter (12.9%) and increased community and Social participation (10%). The study further identified that Urwibutso enterprise helped households around in starting new business or improving upon the existing one (27.1%), buy or improving their means of transport (27.1%), reducing liabilities owed to banks (25.7%), acquiring domestic animals (20%), improving housing characteristics(19%), improving community participation (20), casual employment which generate income (14.3%), easy access to health care services (12.9%), better clothing to family members (12.9%), acquiring new pieces of land (11.4%), ability to send children to school and provision of educational materials (7.1%).The study established that Small and medium enterprises has a significant positive relationship with the wellbeing of households as indicated by the Coefficient of correlation R2=0.543 implying that any change in income generated from SMEs by one unit increase the level of wellbeing by a proportion equating 54.4%.

Keywords: Small and medium enterprise, well being conditions of households, entrepreneurship