UNIVERSITY OF RWANDA COLLEGE OF BUSINESS AND ECONOMICS

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University of Rwanda
College of Business and Economics
UNDERGRADUATE INTERNSHIP REPORT
Student Name: UWINEZA Ernest
Registration Number: 215030602
Placed in: COPEDU LTD
Academic Year: 2015/2016
Internship Period: from: 1/8/2016 to 9/9/2016
Bachelor of Business Administration in Accounting
Name of Academic Supervisor: CPA Djamali NAMBAJIMANA

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Acknowledgements
I would like to thank everyone who supported me during my internship; first of all I thank
Almighty God who protects and enable me to do this internship, secondly I address my gratitude
to my lovely parents who supported me from the first day to the last day of internship their
contribution was very valuable.
Special thanks go to the Management Director of COPEDU LTD, especially to the Human
Resource Manager and Rwamagana Branch Manager, I thank also all employees of COPEDU
LTD Rwamagana Branch for their guidance and support which helped me to acquire different
knowledge.
I can’t forget to thank UR/CBE Gikondo Campus and all our lectures for giving us theoretical
knowledge and skills that enable me to conduct internship.

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Declaration
I hereby declare that, except where otherwise indicated, this document is entirely my own work
and has not been submitted in whole or in part to any other university.
Name: UWINEZA Ernest
Signature:…………………: Date:……/……../……………..

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CERTIFICATION
I certify that Uwineza Ernest a student at University of Rwanda, College of business and
economics (UR-CBE) did his academic internship at COPEDU LTD Rwamagana Branch from
01August 2016 to 09 September, 2016.
Field supervisor: HIRWA Jean Eric
Signature: …………………..
Date: ………/…………/……..

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CERTIFICATION
I certify that Uwineza Ernest a student at University of Rwanda, College of business and
economics (UR-CBE) did his academic internship at COPEDU LTD Rwamagana Branch from
01 August, 2016 to 09 September, 2016.
Academic supervisor: CPA Djamali Nambajimana
Signature: …………………..
Date: ………/…………/……..

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INTERNSHIP REPORT

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Contents
1. Abstract................................................................................................................................- 10 -
1.1. HISTORICAL BACKGROUND.............................................................................................- 12 -
1.2. GEOGRAPHIC SITUATION................................................................................................- 13 -
1.3. MISSION OF COPEDU LTD...............................................................................................- 14 -
1.4. VISION OF COPEDU Ltd ..................................................................................................- 14 -
1.5. COPEDU VALUES............................................................................................................- 14 -
1.6. OBJECTIVES OF COPEDU Ltd ...........................................................................................- 14 -
The Main objectives in COPEDU Ltd........................................................................................- 17 -
VALUE SYSTEMAND CULTURE................................................................................................- 17 -
1.7. Structure of BRANCH “COPEDU LTD”...............................................................................- 18 -
1.8. SERVICESAND PRODUCTS OF COPEDU LTD .....................................................................- 18 -
1.8.1. COPEDU LTD SERVICES............................................................................................- 18 -
1.9.COPEDU LTD PRODUCTS ......................................................................................................- 19 -
Savings accounts...................................................................................................................- 19 -
I. Teganya Saving Account.................................................................................................- 20 -
II. Fixed saving account......................................................................................................- 20 -
III. Vehicle saving Account...............................................................................................- 20 -
1.10.LOANS ..............................................................................................................................- 21 -
I. Ordinary Loan................................................................................................................- 21 -
II. Loan for women entrepreneur (CFE)...............................................................................- 21 -
III. Salary loan.................................................................................................................- 22 -
LOAN APPLICATION...............................................................................................................- 22 -
Requirements to open an account number.............................................................................- 23 -
The substitute of client..........................................................................................................- 23 -
2. Job description:.....................................................................................................................- 24 -
A. TASK ONE: Customer care Services.....................................................................................- 24 -
1) Objective.......................................................................................................................- 24 -
2) My responsibility ...........................................................................................................- 24 -
3) Task Description ............................................................................................................- 26 -
4) Team members on task..................................................................................................- 29 -
B. TASK TWO: LOAN SERVICE .................................................................................................- 32 -

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1) Objective.......................................................................................................................- 32 -
2) My responsibility ...........................................................................................................- 32 -
3) Task Description ............................................................................................................- 33 -
4) Team members on task..................................................................................................- 36 -
3. Learning outcomes................................................................................................................- 38 -
3.1.My first day on the internship job.........................................................................................- 38 -
1) Context.........................................................................................................................- 38 -
2) My role .........................................................................................................................- 39 -
3) Actions taken.................................................................................................................- 39 -
4) Performance..................................................................................................................- 39 -
5) Guidance.......................................................................................................................- 39 -
6) Improvements...............................................................................................................- 39 -
7) Gain/Learn....................................................................................................................- 39 -
3.2.Having to deal with difficult person or situation....................................................................- 40 -
1) Context.........................................................................................................................- 40 -
2) My role .........................................................................................................................- 40 -
3) Actions taken.................................................................................................................- 40 -
4) Performance..................................................................................................................- 41 -
5) Guidance.......................................................................................................................- 41 -
6) Improvements...............................................................................................................- 41 -
7) Gain/Learn....................................................................................................................- 41 -
3.3. Finding myself with nothing to do .......................................................................................- 41 -
1) Context.........................................................................................................................- 41 -
2) My role .........................................................................................................................- 42 -
3) Actions taken.................................................................................................................- 42 -
4) Performance..................................................................................................................- 42 -
5) Guidance.......................................................................................................................- 42 -
6) Improvements...............................................................................................................- 42 -
7) Gain/ Learn ...................................................................................................................- 43 -
4. Self-Evaluation of Internship..................................................................................................- 43 -
4.1.Expectations of myinternship position.................................................................................- 43 -
4.2.The way in which the expectations have been met................................................................- 44 -

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4.3.New skills acquired..............................................................................................................- 44 -
4.4.Relevance of my work towhat I am studying at CBE..............................................................- 45 -
4.5.My overall performance rate ..............................................................................................- 45 -
4.6.The way I have changed as a result of internship experience..................................................- 46 -
5. Self-Development Plan ..........................................................................................................- 46 -
6. Conclusion............................................................................................................................- 47 -
7. Recommendations ................................................................................................................- 47 -
7.1.Recommendations to the school..........................................................................................- 47 -
7.2.Recommendations to the COPEDU LTD.................................................................................- 48 -
8. List of abbreviation................................................................................................................- 49 -
9. References............................................................................................................................- 50 -

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1. Abstract
The following report describes the activities carried out during six weeks full-time internship at
COPEDU LTD. This report contains information about the organization, responsibilities
performed throughout the period between 1 August and 9 September 2016. The objective of this
text is to reflect upon the experiences collected during the internship from the perspective of a
BSC in Accounting.
The first part of the report offers an overview of the organization, followed by job description,
self-evaluation of Internship, Self-development Plan, following, it proceeds to describe in some
detail the most relevant task carried out and their respective analysis. Finally, the report wraps-up
with a few closing remarks and conclusions from the experience.
COPEDU LTD is a company that offers savings and credits services for its customers and other
people. It have more than six Branches most of them are located within Kigali City only one
branch is located out of Kigali (Eastern Province/Rwamagana District) so my internship was
carried out within COPEDU LTD Rwamagana Branch, during my internship I performed
different tasks, first task was Customer care service, this deals with customers by assisting them
in different manner, the following are tasks performed by Customer service staff: Registering
new customer, giving information of Bank to customers who need those information, Recording
new customers in book of customers, Classifying documents, Print, Scanning, photocopying
documents, Helping customers who are unable to write to fill deposit or withdrawal forms,
making necessary entries into the system.
Other task that I performed was carried in loan services, this service deals with all matters related
to the loans. Such us, analyzing loan application documents, make sure that payment due is made
to their maturity date.
providing internship is very important thing because this create a good opportunity for students
to try-on many different careers, this also will facilitates students to learn how their course of
study applies to the real world and build valuable experience that makes them stronger
candidates for jobs after graduation. To my side as accounting student I have acquired new skills
and knowledge that helped me for more understanding how banks operate (Deposits,

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Withdrawing, Loans) and other accounting concept, I have also learnt beyond accounting course,
I performed customer care services where I had to deal with different people, this improve my
communication skills, in this post also I have learnt how to classify documents, using
photocopying machine, scanning documents,

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1.1.HISTORICAL BACKGROUND
COPEDU LTD is a limited liability company. It is a Microfinance institution that offers saving
and credits services for its shareholders and customers. It is registered as a company in Rwanda
development Board (RDB) and licensed by central Bank (National Bank)
It was initially called COOPEDU-KIGALI because its activities were only limited to the City of
Kigali and the former Province of Kigali Rural.
COOPEDU-KIGALI was initiated by a nonprofit- making organization known as
DUERIMBERE a.s.b.l on June 1997. Initially, DUTERIMBERE a.s.b.l had a small savings and
credits program and after its rating, it was creation of a cooperative COOPEDU where the
assessment of this program showed that the savings and credit services which were initially
offered by the non-profit making organization like DUTERIMBERE a.s.b.l
As a result, the non-profit making organization DUTERIMBERE decided to be the primary
promoter of the recommended cooperative, by creating COOPEDU.
In 2005, COOPEDU KIGALI was licensed by National Bank (BNR)
In 2008, COOPEDU KIGALI renewed its activities by computerizing system
In 2009, COOPEDU KIGALI changed its name to COOPEDU by the decision of its General
assembly which was held in October 2009.
In 2012, the general assembly of December 22 decided to transform the cooperative COOPEDU
as a savings and credits cooperative into a commercial company. Thereafter, a public limited
liability company known as COPEDU LTD is registered under Rwanda Development Board
(BRD), at the beginning with 12996 shareholders (the former cooperative’s members). The
subscribed share capital of the company was 79 0156 800Rwf share value at 400 Rwf each

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1.2.GEOGRAPHIC SITUATION
Mainly COPEDU Ltd operates within the geographical area of the City of Kigali. The
headquarters of COPEDU Ltd is located in KICUKIRO District.
COPEDU Ltd currently has eight (8) branches in which seven are located at KIGALI and the
other one located at Rwamagana District.
Those branches started their operations in the following manner:
 Headquarter branch: June 15, 1997 located at
African Union Road, RWANDEX- SONATUBE Road
 Nyabugogo Branch : July 1, 2002 located at
Center of NYABUGOGO town CHEZ MANU
 Remera Branch: December 1, 2003 located at
AIRPORT ROAD, PRINCE HOUSE
 Gisozi Branch: August 10, 2009 located at
GAKINJIRO GISOZI, CHEZ VITA
 Kimironko Branch: August 10,2009 located at
Close to KIMIRONKO Bus Station
 Kigali City market Branch: February 01,2011 located at
Modern Nyarugenge Market
 RWAMAGANA Branch: September 05, 2012 located
at Bus Station to market
 BATSINDA Branch; June 05, 2015

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1.3.MISSION OF COPEDU LTD
COPEDU LTD is the microfinance institution whose mission is to provide inclusive financial
services for socio-economic development for its customers.
1.4.VISION OF COPEDU Ltd
The vision of COPEDU LTD is to be the reference bank for women in Africa.
Generally COPEDU will have a national network and will be a financial institution of choice for
all in general and women entrepreneurs in particular.
1.5.COPEDU VALUES
 Credibility
 Efficiency
 Transparency
 Equity
 Innovation
 Quality Service Particularly Offering Fast Loans
 Zero Tolerance for Corruption
1.6.OBJECTIVES OF COPEDU Ltd
The constitution of COPEDU ltd in its article 2, the objects for which the Company is
established are:
(a) To carry out, for its self or on behalf of other parties, all types of banking operations in
accordance with Rwandan banking laws and regulations.

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(b) To buy, build or rent any useful buildings for its normal work in order to achieve its
objectives or for the welfare of its personnel.
(c) To receive the dividends, interest, income, bonuses, rents profits and advantages of every
description from time to time payable or receivable in respect of any of the company’s
investments and to vary any such investments from time to time.
(d) To purchase, take on lease or in exchange, hire or otherwise acquire and hold for investment
or trust purposes or otherwise any lands, house, buildings, moveable or immoveable
properties of any tenure or any interest in the same and to exercise and enforce all rights and
powers conferred by or incident to the ownership thereof.
(e) To enter into any arrangements with any Governments or authorities; central, local or
otherwise, that may seem conducive to the company’s objects or any of them, and to obtain
from any such Government or authority any contract, rights, privileges or concessions which
the company may think it desirable to obtain, and to carry out, exercise and comply with any
such arrangement, contracts, rights, privileges and concession.
(f) To adopt such means of making known the activities and product of company as may seem
expedient, and in particular by advertising in the press, on radio, cinema or television, by
circular, by purchase and exhibition of works of art or interest, by publication of books and
periodicals and by granting prizes, rewards and donations.
(g) To acquire, carry on and undertake all or any part of the business, property and liabilities of
any person or company carrying on business similar to that which the company is authorized
to carry on, or possessed of right or property suitable for any of the purposes of the company,
and to purchase, acquire, sell and deal with the shares and securities of any such person or
company.
(h) To enter into partnership or into any arrangements for sharing profits, union of interest, co-
operation, joint adventure, reciprocal concession or otherwise, with any person or company
carrying on, engaged in, or about to carry on or engage in any business or transaction which

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the company is authorized to carry on or engage in, or any business or transaction capable of
being conducted so as, directly or indirectly to benefit the company, and to lend money to,
guarantee the contracts of, or otherwise acquire shares and securities of any such company
and to sell, hold, re-issue with or without guarantee, or otherwise deal with the same.
(J) To support, subscribe and make contributions to or for any national, international, charitable,
benevolent, public, professional, trade, general or useful object or purpose and to or for any
institution, society, or club which may be for benefit of the company or its employees or may be
connected with any town or place where the company carries on its business.
(K)To sell or otherwise dispose of whole or any part of the business or property of the company,
either together or in portion, for such consideration as the company may think fit, and in
particular for shares, debentures, debenture stock or securities of any company purchasing
the same or, any other company, and to pay and distribute any stock, shares, debentures,
debenture stock, securities so received by the company as a dividend to the shareholders of
the company.
(L) To borrow Money on such terms as may be expedient with the aim of directly or indirectly
furthering its objects.
(M) To carry out all operations relating directly or indirectly to its objectives or a nature to favor
its attainment.
The objectives of the company may be extended are restricted by decision of the General
Assembly of shareholders as deemed necessary.
To the article 2 of the constitution of the company, COPEDU has the following object:

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The Main objectives in COPEDU Ltd
 Collect and ensure the proper management of the saving of its members.
 Promoting solidarity and mutual help among its members.
 Finance projects of its members through the loan system.
 Promote education, economic, social and cooperative development of its members.
VALUE SYSTEM AND CULTURE
The values that characterize the culture in COPEDU Ltd are listed below:
 Cooperation
 Organization
 Professional
 Efficiency
 Dignity
 Unique

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1.7.Structure of BRANCH “COPEDU LTD”
1.8.SERVICES AND PRODUCTS OF COPEDU LTD
1.8.1. COPEDU LTD SERVICES
COPEDU LTD offers the following services to its clients:
(1)Open an accourt
Accession of new client
Requirement for new clients;
To provide a copy of National Identity card and two passport size photos.
Payment of Rwf 1180 for buying passbook
The minimum amount of saving deposit is Rwf 2000.

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(2)Deposit andwithdrawal
Deposits
COPEDU LTD records transactions with valid proof of deposit in the form of a bank slip except
where it is accepted by special provisions. The teller credits account of the customer with the
value of deposited amount.
Withdrawal
The account of a customer is debited with the value of withdrawn amount. Withdrawal is made
when the funds are made available on account.
A Withdrawal from a current account can be made at any time, for a big withdrawal the customer
is required to inform the branch early enough in order to make a transaction with sufficient
liquidity.
(3)Loan insurance
Loan application conditions
Analysis and distribution of loan
Obligation attached to a loan
Loan insurance
1.9.COPEDU LTD PRODUCTS
Products of COPEDU LTD include saving accounts and loan products.
Savings accounts
Interest rates for saving account that generate interests vary between 4%and 8%depending on
product, period and the amount saved. In the following categories:
a) Teganya Saving account
b) Fixed saving account
c) Car saving account

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I. Teganya Saving Account
It is a product of saving account for sudden problem of tomorrow. The condition is that the
minimum amount which gives interest is Rwf 50,000 and it gives an annual interest of 6%.
Also no basic amount is obliged to save, the customer saves what she or he has and he or she
can withdraw on it whenever gets a problem but once per month.
II. Fixed saving account
The minimum amount of saving is Rwf 100,000 and the period required for saving is 3, 6, 9 and
12 months while interest rate is 6% up to 8% per cent.
III. Vehicle saving Account
It is service which has been established by COPEDU LTD in order to help their clients to buy an
automobile
Each client of COPEDU LTD basing on their capacity of saving, she or he may give a tangible
asset as a guarantee whenever they demands a credit more than 5,000,000 Rwf.
Requirements:
The customer is required to save a fixed amount every month in the period of 12 months,
The minimum amount depends on the value of the car he/she wishes to buy,
The minimum amount to save as fixed amount is 130,000 every month,
The period required is 12 month,
Interest of those saving is 4% accounted per year,
The benefit to members is to get interest on saving and the credit of buying a car.

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1.10.LOANS
Among the loans issued by COPEDU; there are some loans products reserved only for women.
This is on the line of COPEDU LTD’s mission (to let poor women have access on loan).
In general COPEDU LTD has the following products:
 Ordinary loan
 Loans for salaries
 Overdraft
 Tuition fees loan
 Transportation loan
 Loans for women entrepreneur (CFE)
I. Ordinary Loan
This loan is given for different reason and it is given to the clients of COPEDU LTD,
individually or to a group of people or an association
Requirements:
 Request letter of credit
 A copy of applicant’s and his/her sponsor’s national identity card or passport
 To have a profitable businesses.
 To have the capacity of giving the guarantee of a fixed property
 The amount allowed is from 100.0000 up to 30,000,000 Rwf
 Maximum period of payment is 5 years
 Expertise that demonstrates the value of a house conducted by a licensed value.
 For the applicant who are single, he/she has not provide a certificate showing that he/she
is single, married applicant has to provide a certificate of marriage.
II. Loan for women entrepreneur (CFE)
It is a type of a loan which is concerned to women only in order to facilitate them to become
entrepreneurs. This loan is designed to facilitate women to acquire the necessary capital to start
the business or to increase their capacity in the business.

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Requirements:
 To be a woman and a client of COPEDU LTD
 Request letter of credit
 A copy of the applicant’s and his/her sponsor’s national identity card or passport
 The amount of credit is from frw150,000 up to 2,000,000 frw
 The identification legal certificates issued by authorities of the sector
 The maximum period is 12 months
 The guarantee is concerned to materials which have value and which are tangible.
III. Salary loan
It is a loan which is given to a client taking into account the amount of salary which is paid
through his/her account in COPEDU LTD.
Requirements:
To be beneficially of this type of loan you must be a client and who has the salary, application
letter, A copy of the applicant’s and his/her sponsor’s national identity card or passport,
Employment contract, salary domiciliation, to receive the salary through COPEDU LTD
 The maximum amount of a loan is eight times of that monthly salary
 Maximum period of payment is 24 months
LOAN APPLICATION
A member who is allowed to apply for a loan is the one who has been a client for three months at
least with active account.
Conditionfor loan application:
 Be at least 21 year old
 Be able to repay the loan requested
 Have a guarantee

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Acceptable guarantee are:
 A house having certificate of property issued by authorities
 A plot of land having certificate of property issued by authorities
 Movable assets (property) only for loans of women
 A guarantee lent by a family member or a friend.
Client of COPEDU LTD includes men, women and associations. Women form the majority of
members compared to men and make up to 77% while men and associations make up 22% and
1% respectively.
Requirements to open an account number
The one who chooses to become a client of COPEDU LTD may contact the nearest branch, and
he or she must comply with the following requirements:
 To provide a copy of National Identity card and two passport size photos.
 Payment of Rwf 1180 for buying passbook
 The minimum amount of saving deposit is Rwf 2000.
The substitute of client
Substitute is a person to whom the proprietor of account gives the exclusive right to do
operations of deposit and withdrawals freely on his/her account in his or her place. This person
may be his or her wife or husband, a child, parent or any other relative.
Requirements of being a substitute are:
To be accepted as a substitute by the owner of an account.
Two passport size photos and identity card
To fulfills a substitute form and sign on that form as proof of being a substitute.
Solidarity account
A group of people may be an association, a cooperative or other social group and has the right to
open an account as client.

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Requirements of any group of solidarity to become a customer of COPEDU LTD:
a. Legal contract which confirms them as a legal group of solidarity, a cooperative or an
association
b. List of all members
c. Three representative persons of a group and their identity card and two passport photos
for each
d. To be registered in the form of groups and sign.
2. Job description:
During internship I performed different tasks within different areas I have chosen only two big
tasks among those tasks as explained under.
A. TASK ONE: Customer care Services
1) Objective
The objective of this task was to strengthen me in dealing with different people especially
customers or potential customers of COPEDU LTD. This service reflects the image of company
so that it requires more attention and to be flexible in order to keep and attract more customers
by giving them good service which satisfy their need. This task is good for new employer
because it gives opportunity to study many thing in the organization, people in this position must
have enough knowledge in order to be able to answer any question addressed to him or her.
2) My responsibility
This area require to have more information about company, so that at the first day receptionist
give me full information of COPEDU LTD such as historical background, services offered and at
that day I read different documents in order to get full company information and to be able to
give customer services and satisfy them.
My responsibility was giving service to customers like give information to new client by explain
them what requirements needed if you wish to become a customer of COPEDU LTD, if the
customer meet these requirements what I was supposed to do was to print a form to be filled for

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new customer, then after that I submit that form to main cashier or other employee who is
concerned to do so in order to enter that information in the system.
The customer my choose to use check or booklet to withdraw money, if new customer decide to
use booklet I was supposed to fill that booklet with his or her full identification (Account
number, Name, address, ID number, Passport picture, Stamp and signature)
Helping customer to fill forms of ordering check before main cashier made an order to the
headquarter, recording new customers’ identification in book of all customers, here what I have
to do is to record the following information: acquisition date of customer, full names, the names
must be the same as those appearing on ID card or Passport, serial number, ID card number,
recording this I have to be attentive, those numbers must be right and correct, current address of
customer means, zone, Cell, Sector, and District, at last comes telephone numbers, those
information must be recorded in book and in the system called AD BANKING, this is the
software used in all COPEDULTD Branches that enable customer to access service at any
branch, he/she can withdraw or deposit money on his/her account or do more on the account
without need to go where the account was initially opened.
The other task that I was supposed to do was printing and scanning some documents to be used
in different areas some of those documents was: forms of new customer, form of ordering check,
and other, some documents was scanned in order to be sent to the headquarter, or to keep those
documents as soft documents.
I have required checking customers’ identification in book of customers to check whether those
entries are made correctly if the mistake fund it is corrected immediately.
I have also to help some customers who are not familiar to fill forms of Western Union in order
to receive money from abroad or elsewhere, after filling the format client took that form to the
cashier.
Other responsibility that I had was helping customers who were not able to fill deposit and
withdrawal forms, because some customers of COPEDU LTD Rwamagana Branch are farmers
and they did not know writing, in that case I have to help them to fill the forms.

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The other thing I was supposed to do was classifying documents, in proper place in order to
facilitate next user to find that document easily and to protect those documents.
3) Task Description
As a receptionist you are the first point of contact for the company and you provide
administrative support across the organization. You handle the flow of people through the
business and ensure that all receptionist responsibilities are completed accurately and delivered
with high quality and in a timely manner.
 Technical details
This task requires much attention and to be flexible, in order to serve customers and visitors well
and satisfy them, as intern I was very keen to serve customer and explore new area, the following
are responsibilities that receptionist had to perform:
 Serve visitors by greeting, welcoming, directing and announcing them appropriately
 Answer, screen and forward any incoming phone calls while providing basic information
when needed
 Receive and sort daily deliveries/couriers
 Maintain security by following procedures and controlling access.
 Perform other clerical receptionist duties such as filing, photocopying, collating, assisting
customers etc.
 Scientific/Professional Skills required
In order to perform this task as required you have:
 Proven working experience in similar roles
 Proficient with Microsoft Office Suite
 Professional appearance
 Solid communication skills both written and verbal
 Ability to be resourceful and proactive in dealing with issues that may arise
 Ability to organize multitasks, prioritize and work under pressure.

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 To be very attentive, in order to be able to record entries correctly especially customer’s
identification and other necessary information.
 To be flexible
 To have oral communication skills and to be able to communicate with different person
 To have knowledge to the AD BANING (software used in COPEDU LTD that connect
all branches)
 To have enough knowledge in accounting or any other related field
 To be able to use photocopying machine and scanner
 The ability to work in team
 Problems encounteredandapproach takento solve them
First problem that I have encountered I was not allowed to use AD BANKING system, to login
the system require username and password, so as intern I was not allowed to do so, if customer
need the service which require to enter in the system for example customer need to know the
balance no his/her account and I am only person who is in reception, the solution of this was to
ask employer who is allowed to login the system to help the customer.
Other problem, customers thought that I was employer so that I can satisfy all their needs, and if
I told him/her that I am not allowed to do what he/she requiring he/she become discomfort, that
time what I had to do was to guide the customer where he can address his/her problem
Internet break down, when this problem occurs most operations cannot be performed because the
AD BANKING software need internet connection, this cause customers to become bored when
they are waiting until the problem is fixed,
AD BANKING software is in French and the language used is French in much documentation,
so it was difficult to me to be able to know all terms used because I am not fluent in French. So
what I have to do when I found difficult term, is to ask for explanation to the co-workers

28. - 28 -
 Solution/designimplemented
For any problem that was complicated for me and I could not get correct answer, the only thing I
had to do, was to ask for support from my internal supervisor or any other co-worker depending
on those problems that I have encountered, using this approach to get solution was helpful
because when I met the some problems again I was able to solve them without any support.
 New skills/knowledge acquired
During internship I have benefited a lot and acquired new skills and knowledge, today I know
how to open account for new customers manually, and if have authorization to log in into the
systems I can even open account in the system or do some modification if necessary.
Now I know how to deal with different people even difficult people, customer service receive
many customers, so that when I was in that place I meet with many people from different areas
of different behavior, so this facilitated me to know how to behave when you are dealing with
such people.
The internship empowers to leave my internship with the confidence to tackle any task at next
job.
Internship gives me opportunity to try on many different careers and to build my professional
network.
Internship provides a link between academic learning and professional employment, and helped
me to learn beyond classroom.
Internship offer me a hands-on opportunity to work in my desired field, I leant how my course of
study applies in the real world and build valuable experience that makes me stronger candidate
for job after graduation.

29. - 29 -
4) Team members on task
 Supervisor
My supervisor was Branch Manager
His responsibilities as Branch Manager are the following:
 Direct all operational aspects including Branch operations, customer service, human
resources and administration.
 Assess local market conditions and identify current and prospective sales opportunities
 Develop forecasts, financial objectives and business plans
 Meet goals and metrics
 Manage budget and allocate funds appropriately
 Bring out the best of branch’s personnel by providing training, coaching, development
and motivation
 Locate areas of improvement and propose corrective actions that meet challenges and
leverage growth opportunities
 Share knowledge with other branches and headquarters on effective practices,
competitive intelligence, business opportunities and needs
 Address customer and employee satisfaction issues promptly
 Adhere to high ethical standards, and comply with all regulations/applicable laws
 Network to improve the presence and reputation of the branch and company
 Approving checks and other documents

30. - 30 -
 Co-workers
Main cashier
Her responsibilities are:
 Maintains financial security by following internal controls.
 Prepares payments by verifying documentation, and requesting disbursements.
 Answers accounting procedure questions by researching and interpreting accounting
policy and regulations.
 Prepares special financial reports by collecting, analyzing, and summarizing account
information and trends.
 Maintains customer confidence and protects operations by keeping financial information
confidential.
 Accomplishes the result by performing the duty.
 Contributes to team effort by accomplishing related results as needed.
 To control daily operations of cashiers.
 Approve checks in absence of Branch Manager.
 Ordering checks for customers to the Headquarter.
 Opening account for new customers.
 Make any modification of customer identification if necessary
 Registering customer in Mobile Banking system
 To record and report all expenses incurred within blanch

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Marketing officer
His responsibilities are:
 Contribute in the implementation of marketing strategies
 Support the marketing manager in overseeing the department’s operations
 Organize and attend marketing activities or events to raise brand awareness
 Plan advertising and promotional campaigns for products or services on a variety of
media (social, print etc.)
 Liaise with stakeholders and vendors to promote success of activities and enhance the
company’s presence
 See all ventures through to completion and evaluate their success using various metrics
 Prepare content for the publication of marketing material and oversee distribution
 Conduct market research to identify opportunities for promotion and growth
 Develop strategies and tactics to get the word out about our company and drive qualified
traffic to our front door
 Deploy successful marketing campaigns and own their implementation from ideation to
execution
 Produce valuable and engaging content for our website and blog that attracts and converts
our target groups
 Build strategic relationships and partner with key industry players, agencies and vendors
 Be in charge of marketing budget and allocate/invest funds wisely
 Measure and report performance of marketing campaigns, gain insight and assess against
goals

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 External inputs
External inputs comes from different parts, the first outputs are customers of COPEDU LTD and
shareholders their contribution is very essential without them COPEDU LTD cannot achieve its
goals. Beside customers and shareholders there is also RDB, it contributes to give advice related
to how services could be issued to the customers. Beside the above external there is also the
following:
AQUADEV: It provides technical assistance in the computerization of COPEDU LTD
DID: It provides technical assistance for the improvement and operation of products for
COPEDULTD
WOCCU: It gave assistance in terms of equipment and technology
B. TASK TWO: LOAN SERVICE
1) Objective
Objective of this task was to get enough knowledge and skills related to the loan service, to know
in deep the kinds of loans which are offered by COPEDU LTD the rate of each loan,
requirements needed to apply for loan, who is eligible for loan application and to be able to
2) My responsibility
 Helping customers who are applying for, loan by photocopying their documents related
forms.
 To scan necessary documents in case they are needed as soft documents or to be sent at
Headquarter.
 Classification of loan documents in their respective place.

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3) Task Description
The loan officer has responsibility to authorize approval or deny loan applications for people or
for business. He also acts as liaison between customers and financial institution and he helps
qualified applicants acquire loans in a timely manner and gives advice to borrowers on financial
status and methods of payments.
 Technical Details
 Evaluate credit worthiness by processing loan applications and documentation within
specified limits
 Interview applicants to determine financial eligibility and feasibility of granting loans
 Determine all applicable rations and metrics and set up debt payment plans
 Communicate with clients either to request or to provide information
 Justify decisions (approvals/rejections) and report on them
 Complete loan contracts and counsel clients on policies and restrictions
 Update job knowledge on types of loans and other financial services
 Maintain and update account records
 Assess customer needs, explore all options and introduce different types of loans
 Develop referral networks, suggest alternate channels and cross-sell products and
services to accomplish quotas
 Go the “extra mile” to build trust relationships, customer loyalty and satisfaction
throughout the underwriting process
 Operate in compliance with laws and regulations and adhere to lending compliance
guidelines

34. - 34 -
 Scientific/professional Skills require
 To be qualified in Accounting or other related field
 Ability to use Proven working experience as a loan officer
 Familiarity with computers and banking applications/software
 Solid understanding of direct/indirect lending products and practices
 Excellent communication and interpersonal skills
 Customer satisfaction orientation and sales competencies
 Ability to work in a goal oriented environment
 BS degree in finance, economics or a related field
 To be able to analyze different projects
 To have capacity of calculating loan.
 Problems encounteredandapproach takento them
The first problem that I encountered is that the loan officer had a work leave which did not allow
me to explore at maximum level what I had expected to learn in loan services, after coming back,
he had a lots of work that makes him to be very busy, in order to try to know more I tried to ask
information from other workers while I was waiting for loan officer to come from a leave and
read documents.
Almost all documents used in loan service are in French, for better understanding I asked to be
explained in case I met difficult or explained in other language that I am familiar with.
Loan service is so complex, because there are many types of loans offered in COPEDU LTD
which are at different rate; time spent in loan service was not enough to cover all areas as was
expected.
To explain customers about loan in deep was difficult to me, what I had to do was to explain
customer what I know and if he/she does not satisfied , I send that customer to the loan officer
for more information or in case loan officer is not available I send the customer to the Branch
Manager.

35. - 35 -
Customers who apply for loan, and they are given loans according to their ability of payment,
they feel dissatisfied, most are apply for loan while the collateral is not enough to cover the loan.
 Solution/designimplemented
Depending on those problems that I have encountered, I have always to ask for assistance from
my internal supervisor where it was required. To adopt this solution was helpful because, some
operations were complicated to new intern who has no advanced experience in the new field.
 New skills/knowledge acquired.
The intern out of his research came to realize that the knowledge gained in class theoretically is
the basis for knowledge required.
Through my internship I gained many precious experiences, but most valuable was the ability to
experience the work environment in the field I plan to work in.
Not only did an internship provide that first –hand perspective of a career, it was a way for the
intern to develop essential workplace skills. The additional essential skills gained from this
training are outlined below:
 Communication Skills
 Strong Work Ethic s
 Teamwork Skills
 Interpersonal Skills (relates well to others)
 Problem-solving Skills
 Flexibility / Adaptability
 Computer skills
 Organizational Skills

36. - 36 -
 Leadership Skills
 Self-confidence
 Creativity
 AD-BANKIG software
All of these skills will help me to be more competitive on labor market, and to be adaptive in
working environment.
4) Team members on task
 Supervisor:my supervisor was BranchManager.
Responsibilities:
 Coordinate all activities of Branch
 To report to the headquarter for daily activities
 To represent headquarter at branch
 To ensure that lures and regulations from headquarter are followed
 To control every worker
 To make decisions
 Ensure that cash and assets of branch are secured.
 Co-worker
Loan officer
His responsibilities
 Evaluate credit worthiness by processing loan applications and documentation within
specified limits
 Interview applicants to determine financial eligibility and feasibility of granting loans

37. - 37 -
 Determine all applicable rations and metrics and set up debt payment plans
 Communicate with clients either to request or to provide information
 Justify decisions (approvals/rejections) and report on them
 Complete loan contracts and counsel clients on policies and restrictions
 Update job knowledge on types of loans and other financial services
 Maintain and update account records
 Assess customer needs, explore all options and introduce different types of loans
 Develop referral networks, suggest alternate channels and cross-sell products and
services to accomplish quotas
 Go the “extra mile” to build trust relationships, customer loyalty and satisfaction
throughout the underwriting process
 Operate in compliance with laws and regulations and adhere to lending compliance
guidelines
 External inputs
External outputs are different parties, the one is BDF it intervene to secure loans of customers in
case they fail to pay back BDF can pay on behalf of that customer, BDF also provide reward to
the customers who pay back loan well, in expected period. There is also AMIR, its mission is to
offer diversified services to microfinance institutions to enable them to work professionally and
contribute to poverty reduction in a sustainable manner. Lastly we can say BNR, this is the
national bank it collects credit information from financial institutions. It ensures the accuracy and
reliability of the information and holds it in public credit registry database, for supervisory and
statistical purposes.

38. - 38 -
3. Learning outcomes
As provided by institution, the internship was supposed to last for six weeks, during that time I
have learnt various new things some similar to those learnt from class and others totally different
from what I had learnt from class. The internship has helped me to acquire different knowledge
and skills and match those by putting what I had learnt from class into practices as well as
learning from new things. I have learnt how to adapt in new working environment quickly and
how to gain new friends whether co-worker or customers within new working environment.
Among critical vents encountered during my internship I have chosen the following:
 My first day on internship
 Having to deal with difficult person or situation
 Finding myself nothing to do
3.1.My first day on the internship job
1) Context
On this great day I welcomed by Branch Manager and introduce me to the other workers
especially to those who had morning shift, so he told them that I am an intern who is going to
conduct internship in COPEDU LTD during six weeks, in that morning it was good time to greet
every worker, after that manager told Main cashier to give me information of COPEDU LTD,
she gave me more information and documents for reading in order to understand more. I was
directed in the customer care service where I spent many days. This area helped me to integrate
in COPEDU LTD and to meet with different persons (customers and visitors). I have learnt
different new things beyond to what I have studied at college, customer care service requires
good communication skills and to be flexible in order to serve customers and guests well. This
area reflects the image of institution if you behave badly you may destroy the reputation of
organization. So I had to behave well and be attentive in order to avoid the mistakes might
happen at the beginning of my internship.

39. - 39 -
2) My role
On my first days of internship, my role was to record new customers in the book of customers,
help customer to fill deposit or withdrawal forms, and classifying documents. On this first day I
did not performed may tasks because it was a day of studying new working environment and
watching how customer service is performed.
3) Actions taken
After finding the task’s complexities, I have decided to work hard and with a speed in order to be
familiar with the task by collaborating with my colleagues and asking assistance where it is
needed.
4) Performance
On the first day, the performance was very low compared to other days because I was not
accustomed with the task. I worked with many considerations like the way of recording customer
identification in the book of customers. The performance has been increased day to day and
keeps going on until the end of the internship where I was able to record all entries without any
difficulty.
5) Guidance
I have received guidance from the supervisor and co-workers in case I met any challenge or in
case I got stuck in certain situation, at this time I needed much guidance because I was new
worker in the field, so this helped me to familiarize different operations.
6) Improvements
Improvements that have been made in this task were to collaborate with co-workers and my
colleagues by working through team of interns and a coworker in order to increase the speed and
flexibility. This has been achieved because as time keeps going on, performance has been
improved.
7) Gain/Learn
What has been learned from the task is the knowledge about managing a variety customers and
visitors who come in COPEDU LTD, especially when many customers from cooperatives and
solidarity groups come to withdraw their money; I have also learned how to take care of
customers, Solid communication skills both written and verbal and I have got ability to be

40. - 40 -
resourceful and proactive in dealing with issues that may arise, I learnt how to organize,
multitask, prioritize and work under pressure.
3.2.Having to deal with difficult person or situation
During my internship, I sometime dealt with a difficult person because various reasons, which
required much attention. During my first day of internship I was very interest in offering service
to different people, for me it was the first time to work in such environment.
1) Context
Many time I had to deal with different people during my work, many customers and visitors
come toward customer care service and me I was there to serve them in case co-worker is around
or not, normally in financial institutions they charge each customer monthly charge especially in
COPEDU LTD they charge 400Frw/month, so there are customer who don’t use their accounts
for long time and they forget that there is monthly charge on their account, when these customers
deposit money on their accounts automatically charges are removed on those accounts, then
some customers complain that their money are taken away, trying to give them explanation
become difficult because of their mind set or because their knowledge about banks is low.
There is also another difficult situation that I met, this happened when we had so many
customers from farming cooperative come to withdraw loan that was given to them, most of
them they do not know to fill withdrawal forms, that time I filled many forms about six
consecutive hours.
2) My role
My role was supporting customers and visitors in different ways such as: to give them
information and guide them where they can address their questions, help customers to fill deposit
or withdrawal forms in case customer need that support, the other thing that I had to do was
photocopying and scanning different documents or forms when it is necessary to do so, a
3) Actions taken
When I meet such difficult people, I had to go slowly and being flexible try to find possible
answer that will satisfy them, if not satisfied I sent him where he can get more information
according to the problem he or she has.

41. - 41 -
In case I met difficult situation and got stuck, I asked for help from co-workers who have more
experience than me, if it is situation that I can handle I had to try all my best to solve that issue.
4) Performance
At this time my performance was been increasing day to day, so at this stage it was good
compared to the beginning time, my communication was nice I could perform without any
difficulty. I was familiar with co-workers and know how job is performed.
5) Guidance
I always guided by supervisor or co-workers when I need help or when I am going to work in
new area, and also I asked for guidance when I met something new, then supervisor or workers
showed me how it is done.
6) Improvements
There was remarkable improvement day to day, as the time goes on there was new skills that I
gain every day, I was able to serve and satisfy customer at reception such as help new customer
to open account by: printing form to be filled by new customer, fill booklet and attach picture for
new customer, record customer’s identification in proper book, I was able to do this myself
without any guidance or help from supervisor and co-workers.
7) Gain/Learn
What I have learnt is having confidence in me and being flexible in any situation whatever it is,
my communication also has increased.
3.3. Finding myself with nothing to do
Sometimes I used to find myself with nothing to do, because of different reasons such as: finish
assigned task before expected time, having no customers to serve and other reasons.
1) Context
During my internship I was assigned different tasks, in the morning before starting work I was
given tasks to do throughout day, it could be one task two or more tasks depends on how many
tasks are there. If tasks finished I find myself with nothing to do, it could also happened when
there is no many customers coming to asks for services especially in the afternoon hours between
1 P.M and 2 P.M

42. - 42 -
2) My role
My role was to perform all the tasks assigned to me and other necessary work, such as: printing
and scanning different documents, recording, assisting customer to fill different forms.
3) Actions taken
At time when I found myself with nothing to do I decided to check what I have done before and
try to correct the mistakes I made, this helps to keep my records accurate. When I found myself
with nothing to do I could also decide to learn new things through asking more information from
co-workers or read different books and documents.
4) Performance
My performance was increasing day to day; it was good because at this time I could make some
decisions myself without any intervention among those decisions I may say: to assign myself
what to do or to do any other essential task. To make some decisions on customers like if client
need service while he does not meet requirements, at that time I give explanations to the
customer then I decided not to serve that customer except he go back and fill the requirements.
For example, person might wish to open an account in COPEDU LTD and he don’t have ID card
or passport it could also happen that the person who wish to open account he/she doesn’t have
two colored passport photos, in the above cases that person could not be served until he fulfils
requirements.
5) Guidance
The guidance was always comes from supervisor or co-workers, every time before starting
performing new task I was guided how it is done and learn how I am going to do so, I also got
guidance when I am going to work in new area, once I have got guidance next time I was able to
work without any difficulty.
6) Improvements
The improvement was significant even though it was not as much as I wish. I was expecting to
be improved in all areas of COPEDU LTD but because of different circumstances I did not
achieve my goal as expected, compared to the first days there was a good improvement in
communication, personality, dressing, self confidence, seeped of offering services, working hard
and so on.

43. - 43 -
7) Gain/ Learn
I have gained lots of things, these strengthened my skills and get new ones along technical
development, I could see firsthand what employees expect with regard to professionalism,
etiquette, work ethic, attitude, dress and basic behavior, this prepares me to become better
employee when I get full time career position.
4. Self-Evaluation of Internship
The internship was carried out within six weeks (thirty working days) and during six weeks I
have achieved many things some were new and others weren’t and it has helped me to put into
practice what I have learned from college at CBE. This program of internship for undergraduates
is more and highly constructive because it gives a directive line for an intern that will be useful
in his/her working life. It also reflects your personality and reveals your working ability, so it is a
good opportunity to build and strengthen your ability.
4.1.Expectations of my internship position
During the internship I was expected to achieve various things for personal and organizational
perspective. Among those expectations, I may state the following:
 Putting into practice what I have learnt theoretically in the class to improve knowledge
and performance by bridging the gap between the theories learned with practical
approaches of job requirements
 Understanding activities carried by financial institutions and their social impacts
 Teamwork and leadership skills by participating actively and proactively at the work
place
 Improving communication skills at work through networking and collaboration
 Demonstrating a flexible and an open minded attitude in new working environment.
 Building and maintaining good relationship with co-workers
 I was expected that internship will provide different links
 Working with all my strengths and follow internal rules and regulations

44. - 44 -
4.2.The way in which the expectations have been met
To achieve all those expectations was not easy as new intern in the institution but I have tried
doing my best, I have used a lot of effort in order to meet these expectations through;
I have tried to create and maintain relationship with co-workers and customers in order to be
familiar into the environment.
 Having confidence; this has helped me to put my learning into practice when facing with
the new environment that requires sometimes applying the knowledge learnt from class.
 Punctuality; I have achieved my expectations by working on time and by respecting the
rules and regulations of the institution.
 Learning from mistake; I have tried to learn from my mistakes and this has pushed me
not redo the same mistake again.
I cannot approve that all the above expectations has been achieved 100% but the majority has
been realized, working in new environment is challenging but achievable.
4.3.New skills acquired
During internship period, I have got a lot of new skills which have helped to understand well
how COPEDU LTD works and build my working capacity.
Those skills acquired include:
 Proficient with Microsoft Office Suite
 Professional appearance
 Solid communication skills both written and verbal
 Ability to be resourceful and proactive in dealing with issues that may arise
 Ability to organize, multitask, prioritize and work under pressure
 Sorting and filing a set of large documents basing on their account numbers
 Using photocopying machine, scan documents

45. - 45 -
4.4.Relevance of my work to what I am studying at CBE
During internship period, I have moved across various services and I have learned various things
depending on what is done in that section. I have started working in customer care service
Section where I was serving customer and visitors under the guidance of my supervisor.
Working in this service require to have knowledge of using computer so it was easy for me
because I have learnt Information technology, Information Systems and E-Business and
Accounting Information Systems, this made learning AD-BANKING system very easy.
Thereafter, I went to the loan service unity where I found new things and relevant to what I have
learnt from class. There I have dealt with something related loan amortization, payback period
and other accounting concepts related to loans that I have leant at CBE. Learning this course has
helped to understand things related to loan very quickly.
Beyond of this I have also learnt different things from what I have learnt from class like
computer software called AD-BANKING and this software is very important because is used in
COPEDU LTD and other different institutions, so I have also learnt how transactions (debiting
and crediting) are made in the AD-BANKING software and other operations like délestage du
guichet and approvisionnement(those terms are in French because it is the language used in
COPEDU LTD, this helped to know how transactions are recorded in the software, while in
class I learned how to debit and credit manually.
4.5.My overall performance rate
During the internship period, I have met with different new and challenging things like operating
in a new environment, new rules and regulations, and also the operating system. Due to all those
threats my performance was not achieved a hundred per cent, I can say that the achievement was
at 90% from my expectations. I have assigned with different tasks that requires more experience
to carry out properly and unfortunately sometimes I made mistakes, as an intern I was required to
work with many efforts in order to perform the tasks as required like an experienced person; the
internship helped me to be flexible in the operating environment and this will helps me to leave
my internship with confidence to tackle any task at my next job. I did not got 100% but I have
noticed my weakness, so I have learnt from mistake that I made and complete that gap so that I
will be competitive candidate after graduation.

46. - 46 -
4.6.The way I have changed as a result of internship experience
As I said earlier, the internship was too significant because offered a hand-on opportunity to
work in my desired filed, I have learnt how my course of study applies to the real word and build
valuable experience that makes me stronger candidate for jobs after graduation. Nowadays I am
able to work on time by following rules and regulations of the institution, I have learnt how to
behave at work place, how to build a good relationship with others, and how to speak to the
superiors openly and confidently. During my internship period gained more experiences related
to my specialization of accounting and technical competences especially computer skills,
professional appearance. My internship period facilitated me to be self-motivated and to gain
professional competencies. My communication skills has increased, and I am able to organize
multitask, prioritize and work under pressure.
5. Self-Development Plan
Basing on internship experience, I have found that I need a lot of things to learn in order to
improve performance at work. As a development plan, I need to:
 Continue improving my skills by going beyond like holding a master’s degree so that I
can learn more in order to meet and fit with special tasks to increase the job performance,
 Upgrading my knowledge and skills by attending professional courses like CPA or
ACCA so that I will be a professional expert in revenue management,
 Continue learning computer software like AD-BANKIG, SAGE pastel, and others
because I have found that are more important and useful in most institutions like banks
After my undergraduate studies, I hope that I will get opportunity of working in COPEDU LTD
or other similar institutions that I can continue working in this familiar environment in which I
have got a lot of experience. It will be better for me to continue improve my knowledge by
working in such institution, I think that my plan will be realistic. The knowledge and skills I
have gained from COPEDU LTD will help me to be an employee of professional competencies,
and lot of technical skills.
Basing on the knowledge I have gained from school and the practical knowledge from internship
in COPEDU LTD I will be a productive worker and motivated, also because COPEDU LTD

47. - 47 -
offers different types of loans and foreign transactions like money transfer I will be able to offer
such services easily.
6. Conclusion
As conclusion, the internship was good time to put in action what I have learnt in class and
receive new knowledge. Internship is important both to the student and the organization, for
student he acquire new skills and knowledge for free and organization employ unpaid worker.
Beyond what I have learnt in class I found that COPEDU LTD has policy to facilitates women
entrepreneurs by providing loan at minimum interest rate and collateral is furniture, this
contribute to increase families wealth, and also COPEDU LTD provides loan to
COOPERATIVES and solidarity groups this contribute much in improving people’s wealth, this
is big contribution to the society.
7. Recommendations
7.1.Recommendations to the school
For making internship more beneficial and effective, school must seek internship for students
where that student fit according to his/her academic career, this will help student to work in
desired field, for that this can be a good opportunity to the students to learn how their course of
study applies in real world and build valuable experience. Today getting internship is very
difficult for the students because some institutions did not accept interns, for that reason students
try to find everywhere even to the institution they do not fit.
School must expand time for internship; thirty days are not enough it could be better if time
expanded to sixty days or more, this will facilitate students to have more time for trying on
different careers.
Students should be given financial support before starting internship, most students need money
for transport, for lunch and other needs.
School should request weekly report from the institution where the student is conducting the
internship and also school can give guidelines of how student could be trained. Some time
students are placed in the area that are not related to their career , this do not allow them to put in
practice what they have learnt in class.

48. - 48 -
7.2.Recommendations to the COPEDU LTD
The internship is profitable for both parties (the organization and intern) for the organization
internship provide unpaid employees.
For employers who are looking for the cream of the crop among college-educated, entry-level
employees, an internship program is the best way for them to build a pipeline of talented, young
professionals.
”The market for the best and brightest students is the most competitive I‘ve ever seen,” says Dan
Black, Director of Campus Recruiting for Ernst & Young.
In fact, the market is competitive, than 51% of the employers are now focusing on relevant
internship experience to find the best fit for their companies. Eighty-one percent of the
employers have found that new hires with relevant internship experience are better prepared than
those without internships.
Inters are valuable assets for employers for several reasons. In additions to being a pipeline for
hiring, interns fill positions and assist employers with innovative ideas and technology.
“Internships allow us to connect with and build relationships with students early in their
academic careers,” said Mary Anne McNlty, Manger of Staffing and college Relations, Starwood
Hotels &Resorts.”
This builds a pool of candidates who have work experience with us and have forged relationships
with our managers.”
Students are on the same page as employers regarding the importance of internships.
Approximately 66% of the more than 2,800 students surveyed have held at least one internship.
Thirty-seven percent of students reported that internships are one of the most effective job search
resources. Internships open all sorts of doors for students. Students gain an insider’s view to a
possibl e career path and networking opportunities. Above all, internships could lead to a
full-time position for that company.
With benefits for employers and students, internships really are win-win.

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8. List of abbreviation
UR: University of Rwanda
CBE: College of business and Economics
LTD: Limited
BNR: National Bank of Rwanda
BDF: Business Development Fund
RDB: Rwanda Development Board
AMIR: Association of Microfinance Institutions in Rwanda
DID: Direct Inward Dialing
ID: Identity
CPA: Certified Public Accountant

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9. References
1. www.copedultd.rw
2. www.bnr.rw
3. www.job-descriptions.careerplanner.com
4. https://login.shrm.org/?request
5. http://resources.workable.com