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The newly privatized banks initiated efforts to increase loan disbursement to individuals so as to boost the economic growth of the country and enhance their own performance. Unfortunately, given the inexperience of some new bankers, this increase in credit was accompanied by an increase in non-performing loans. This can be attributed to lack of adequate skills to analyze loan application process and to give technical assistance to borrowers. The main objectives of this study were to find out the influence of education on firm productivity in the banking sector; to find out the influence of experience on firm productivity in the banking sector; and to find out the influence of health on firm productivity on the banking sector. The study used a descriptive research design where events were recorded; analyzed, interpreted and described. Data was analyzed by using SPSS program in order to identify the levels of the influence of human capital on firm productivity in the banking sector, respondent responses were determined by their demographic profiles.

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Aimable, Ndakengerwa Gasana
Aimable Gasana Ndakengerwa is CEO and Founder of Business Management & Consult Ltd. He has served several years in Rwandan Banking Sector as Director of Finance, Head of Internal Audit and Head of Risk Management Department. He is currently serving as an external auditor for the Central Bank of Rwanda for IMF and COOPECs. Holder of MBA Accounting.

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