Review of Microfinance and Women Empowerment in Ethiopia

Kabeta, Temesgen

doi:10.47672/ajf.267

Cited by 4 publications

(4 citation statements)

References 3 publications

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“…Gobezie (2017) also added that after participating in MFI women learn and began saving both in the MFI and other banks. Moreover, Meron Haileselassie (as cited in Kabeta, 2017) found that the study indicated that the income and saving levels of the majority of the clients have increased after the delivery of microfinance.…”

Section: Improvement In the Skills Of Savingmentioning

confidence: 95%

“…For instance, studies conducted on ACSI by Gobezie (2017) and Deribie et al (2013) found that microfinance is a good strategy to mitigate poverty and it creates an opportunity for the marginalised segment of the population in accessing to finance. On the other hand, Meron Hailesellassie (as cited in Kabeta, 2017) conducted research in Addis Ababa on the role of microfinance in empowering women which shows that, although women benefited in economic empowerment from MFI interventions, women's workload increased as a result of MFI, spent income for family purpose and also it does not make a significant change for women in political empowerment.…”

Section: Problems Mfi Identified In the Ethiopian Contextmentioning

confidence: 99%

“…According to Kabeta (2017), diverting loan money to urgent problems, especially for basic needs and for unexpected crises, is among the challenges individuals face in microfinance in repaying the credit. Thus, the potential of microfinance can be best exploited by recognising the lessons from careful impact evaluation studies.…”

Section: Diverting Loans To Urgent Problemsmentioning

confidence: 99%

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A review of microfinance and women empowerment in Ethiopia

Malela¹

2022

GJBEM

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Microfinance has a positive impact on the living standard of the poor people in particular and alleviates poverty in their households in general. It is not only undermining poverty in the city but also empowering women through surviving and making their life prosperous with dignity and self-reliance by providing financial services. This study aims to provide information for a better understanding of the constraints of women to access microfinance institutions (MFIs) in Ethiopia and establishes a knowledge base that helps to make a sound decision by providing information for policymakers and identifying research gaps, MFIs, and other lending institutions, and stakeholders. The study uses the literature review methods. From the findings of the study, Ethiopian Microfinance is facing different challenges in empowerment such as lack of collateral assets, lack of information, work burden, production failures, verbal abuse, lack of infrastructure and low institutional capacity. Keywords: Collateral, empowering women, microfinance, poverty eradication

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Section: Improvement In the Skills Of Savingmentioning

confidence: 95%

Section: Problems Mfi Identified In the Ethiopian Contextmentioning

confidence: 99%

Section: Diverting Loans To Urgent Problemsmentioning

confidence: 99%

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A review of microfinance and women empowerment in Ethiopia

Malela¹

2022

GJBEM

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“…Microfinance institutions found to decisive way outs from the vicious circle of poverty, particularly for the rural and urban poor, particularly in a country like Ethiopia where many people live barely below the absolute poverty line (Kabeta, 2017). The microfinancing industry of Ethiopia is escalating in the face of the growing deep concerns for inflation and low-interest rate in the microfinance industry affecting the financial health and viability of MFIs.…”

Section: Introductionmentioning

confidence: 99%

Socio-Economic Determinants of Loan Repayment Capacity of Somali Microfinance Clients in Kebridahar Town, Somali Regional State, Ethiopia

Abdulahi¹,

Charkos²,

Haji³

2022

JFRM

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Somali microfinance finance institute (SMFI) was established to provide inclusive financial services to rural and urban poor households with the ultimate goal of poverty alleviation in the Somali regional state. Even though SMFI is working better to upgrade itself to a licensed bank-Shabelle Bank and is showing livelihood improvement for poor households in the Somali region so far, loan repayment problems are currently the major challenge facing the institute, which can discourage it from promoting and extending credit to poor people in the future. Therefore, this study intended to assess the determinants of the loan repayment capacity of borrowers in the Kebridahar District of Korahey Zone. Out of the total 4330 borrowers received from the SMFI Kebridahar branch, 188 representatives were selected by dividing the borrowers into two strata, in terms of loan payment status defaulters and non-defaulters. Data were collected from both primary and secondary sources. The primary data was collected from a sample of 188 borrowers using a two-stage sampling method. Descriptive statistics and an econometric model were used to analyze the data. The result of descriptive statistics revealed that Education level, household head experience in credit, family size, marital status, loan diversion, occupation type, and getting trained were shown significant differences between defaulters and non-defaulters. According to the logistic regression model result out of nine variables included in the model, Age, education level, and access to training of household head positively and significantly affected the loan repayment capacity of the borrowers while marital status (get-married) and loan size were found to be negative and significantly affecting the repayment capacity of the borrowers. Therefore, this study recommends that the microfinance and other regional concerning offices should give attention to these significantly affecting variables for further How to cite this paper: Abdulahi, A.,

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The role of microfinance service in the sustainable development goals of women's empowerment: a glimpse from Amhara Credit and Savings Institution (ACSI)

Wondimu,

Terefe,

Melkamu

2023

Discov Sustain

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Gender equality and women’s empowerment are major concerns under Goal 5 of the United Nations' Sustainable Development Goals to be achieved by 2030. Therefore, microfinance institutions in developing nations have been working on these issues by providing loans to married women and others in need. As a result, this paper focuses on one such microfinance institution in Ethiopia, called ACSI (Amhara Credit and Saving Institution), and its role in fostering economic independence for married women and their involvement in various public social schemes. The study utilized a qualitative approach, collecting data through in-depth interviews (26), focus group discussions (1), and life histories from ACSI experts (4) and key informants from Women's and Children's Affairs (6). Specifically, the study focused on married women in Basona Werana Woreda and examined the impact of ACSI's credit services on their social conditions. The empirical findings of the study reveal that the social condition of married women clients has improved due to the credit services provided by ACSI. Women's social empowerment indicators have shown positive changes after utilizing the credit services. However, the study also identified challenges faced by the institution, such as a lack of adequate transportation means and a shortage of personnel to reach remote residents and fulfill their mission of improving the situation of vulnerable low-income and productive poor resident women. Additionally, cultural attitudes pose significant challenges to the social empowerment of women. The empirical implementation of this study provides insights into the achievements and hurdles that need to be addressed in enhancing economic security for married women through microfinance initiatives.

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Review of Microfinance and Women Empowerment in Ethiopia

Cited by 4 publications

References 3 publications

A review of microfinance and women empowerment in Ethiopia

A review of microfinance and women empowerment in Ethiopia

Socio-Economic Determinants of Loan Repayment Capacity of Somali Microfinance Clients in Kebridahar Town, Somali Regional State, Ethiopia

The role of microfinance service in the sustainable development goals of women's empowerment: a glimpse from Amhara Credit and Savings Institution (ACSI)

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