I would like to thank Cooperative de credit et d’epargne Duterimbere (COOPEDU), a local microfinance scheme for giving loans to the populace as well as encouraging them to save. COOPEDU has now opened up forex bureaux around Kigali City. The management of Duterimbere is lauded for having enabled people to start small business ventures through allowing them to access credit. All this has been possible because of the tireless efforts shown by the good management. Kabuga