http://hdl.handle.net/123456789/4477 Sat, 11 Apr 2026 04:29:28 GMT 2026-04-11T04:29:28Z http://hdl.handle.net/123456789/7004 Title: Study on the opportunities and challenges of micro enterprise in empowering women The Case of Adami Tulu Jido Kombolcha District, East Shoa Zone Oromia Reginal State Ethiopia Authors: Kankuse, Teshome Thu, 01 Nov 2018 00:00:00 GMT http://hdl.handle.net/123456789/7004 2018-11-01T00:00:00Z http://hdl.handle.net/123456789/7003 Title: ASSESSING THE ROLE OF MICROFINANCE IN RURAL LIVELIHOOD ENHANCEMENT AND CHALLENGES IN SABATAHAWASS WEREDA, SOUTHWESTERN SHEWA ZONE OF OROMIA REGION, ETHIOPIA Authors: Baraki, Yisehaq Abstract: Currently micro-financing is one of the most powerful tools for combating poverty primarily by providing loan to the poor. Including OCSSC today 32 MFIs have been operating in Ethiopia with the ultimate goal of poverty reduction. The general objective of this research, therefore, is to analyse the role of OCSSC microfinance in livelihood improvement, asset building, and smoothing income and consumption levels of users. Moreover, the study also aims at examining factors affecting clients‟ access to credit and provision. The study was based on questionnaires which were distributed to sample respondents randomly selected from the two KPAs of Sabata Hawas Woreda; namely Dalaty and Tafki. The study adopts mixed research approach of both quantitative and qualitative in order to answer research questions of the study. In order to achieve the stated objectives both primary and secondary sources of data were used. Primary data collected from borrowers and key informants through close ended questionnaires and interview guide prepared for interviewing 130 sample borrowers, 10 MFI staff members and four key informants from OCSSC at Sabata branch. The Statistical Package for Social Science (SPSS) software, version 20 was applied to simplify the data organization and analysis. The study mainly employed statistical analytical tools such as frequencies, percentages, mean and mode The findings indicated that the OCSSC micro finance institution has improved the clients‟ income, asset holdings, access to various social services. However, since the institution strictly requires group formation by self-selected potential borrowers as a precondition to access loans, the situation excludes the target poor from accessing credit. The findings prove that after joining the program the income of the borrowers increased to the extent that it exceeds expenditure and improve their saving; the expenditure of borrowers improved to cover the cost of food, health, education and other expenses. However short repayment period, high interest rate on loan, small amount of loan provided, and low interest rate on saving are proved to be constraints or challenges in accessing and utilizing of loan. Finally the study recommends to design appropriate institutional conditions and procedures; probably flexible loan size based on scope of intended activity, reasonably lower compensating balance, and wise institutional intervention during group formation process. Tue, 01 May 2018 00:00:00 GMT http://hdl.handle.net/123456789/7003 2018-05-01T00:00:00Z http://hdl.handle.net/123456789/7002 Title: CHALLENGES AND OPPORTUNITIES OF ADOPTION OF MOBILE PAYMENT IN PRODUCT SAFETY NET PROGRAM (PSNP) HOUSEHOLDS: IN THE CASE OF BOSAT WOREDA, OROMIA NATIONAL REGIONAL STATE, ETHIOPIA Authors: KINFE, YEMSRACH Abstract: In the contemporary financial system, e-payment is playing a crucial role by reducing the cost of transaction and enhances the number of transaction with less time. Though the incidence of e-payment is very low in Ethiopia, particularly in rural areas, the government gives emphasis to improve the country’s financial inclusion status through expanding new technologies, including e-payment. Therefore, the purpose of this study was to assess the benefit of adoption of mobile payment in PSNP households in terms of timeliness, convenience, cost-effectiveness, client preference and its challenges. Qualitative data was collected from PSNP households in Boset Woreda of Oromia Regional State, Ethiopia with open and closed ended questioners. The collected data was analyzed using 23.0 version of SPSS. The findings indicated that 78.2% of the respondents found mobile payment timely. Further in terms of convenience, 60.6% of the respondents responded that mobile payment enabled them to access payment any time they want. Moreover, by introduction of mobile payment households were able to reduce the cost of transportation by half (i.e. on average from 42.5 to 19 birr). Hence making mobile payment the ultimate preference of households. To scale up this pilot the government should provide a method which has offline functionality to solve the network problem, issue an interest payment saving account to solve the problem of financial inclusion, provide intensive technical and financial literacy to beneficiaries ,strength better monitoring system in place to manage implementation of mobile payment and the challenges and to consider /invite engagement of other mobile money service providers in addition to M-Birr to improve the service quality . Thu, 01 Nov 2018 00:00:00 GMT http://hdl.handle.net/123456789/7002 2018-11-01T00:00:00Z http://hdl.handle.net/123456789/7001 Title: DISASTER RESILIENCE CHARACTERISTICS OF PASTORAL COMMUNITY AND THE RELEVANCE OF SELECTED NON-GOVERNMENT ORGANIZATION (NGO) INTERVENTIONS: THE CASE OF MOYALE DISTRICT COMMUNITY, BORENA ZONE, OROMIA REGIONAL STATE, ETHIOPIA Authors: OLANA, FEREW Abstract: Pastoralist communities in the south and east parts of Ethiopia have been experiencing recurrent disasters that weakened the local adaptive mechanisms and made them less resilient and vulnerable. Particularly, the trend and frequency of drought is increasing without giving time to recovery. It rigorously deteriorated the resilience capacity of households and local institutions. Much has been done in the last couple of decades in the way of managing disaster risks. Nevertheless, despite substantial efforts of all concerned actors, the frequency and scale of adverse events and shocks have been increasing. This study was, therefore, initiated in the objective of identifying key building blocks of community resilience, evaluating the status of the community with respect to identified resilience dimensions, assessing the characteristics and strategies of disaster resilient households and also to examine the most highly rated interventions of the government and/or NGOs in building local disaster resilience. In the study, participatory qualitative approaches, namely focus group discussions and key informant interviews were employed. Moreover, secondary sources were reviewed to cross check and triangulate the data. The analysis of the findings indicated that drought and conflict are still the prevalent hazards of pastoralists that significantly contributed to livelihood losses and limited the development and prosperity of the locality. The top five statements that distinguishes the resilience characteristics of the community include: peace and security, human health care, food security, water for human and livestock consumption and education. The major characteristics of households that are relatively resilient could be summarized into having sustainable income obtained from small businesses that are less dependent on the weather and assets like livestock and shelter. Access to finance, off-farm income and education were found to be the primary driving factors to reaching a resilient status. It was the mixture of these characteristics that seemed to be key to allow households to spread risk across income sources. The community indicated that small business, credit/saving, supply of food/relief, education, women empowerment, and water development as the main interventions that made significant contribution in enhancing resilience of households. Therefore, the long and short term disaster reduction strategies should focus on these areas first to build resilience of pastoralists. Tue, 01 May 2018 00:00:00 GMT http://hdl.handle.net/123456789/7001 2018-05-01T00:00:00Z