Oromia credit and saving share company pdf

Oromia Credit and Saving Share Company

Background 1. Problem statement 1. Objective of the Study 1. General objective 1. Specific objectives 1. Research Questions 1. Significance of the Study 1. Scope and Limitation of the Study 1. Scope of the study 1. Limitation of the study 1. Conceptual Framework. Theoretical Literature Review 2. Definitions and concepts 2. Sustainable livelihood framework 2. Empirical Review 2. Microfinance and its role in economic development 2. The role of microfinance on poverty reduction 2. Role of microfinance on livelihoods 2. Null Hypothesis. Description of the Study Area 3. Type of Research Design 3. Data Sources and Types 3. Method of Data Collection 3. Sampling Techniques and sample size 3. Methods of Data Analysis 3. Econometric Method of data analysis. Demographic Characteristics of Sample Respondents 4. Sex sample respondents 4. Religion and Marital Status of Sample Households 4. Age, family size and age composition of sample households 4. Educational Status of Sample Household Heads 4.

The role of microfanance institutions in improving livelihood


Statement of the Problem 1. Objectives of the Study 1. Research Hypothesis 1. Significance of the Study 1. Scope of the Study 1. Organization of the study. Theoretical Overview of Microfinance 2. Definition of Microfinance 2. History of Microfinance 2. History of Microfinance in Ethiopia 2. Point of views in Performance Measures 2. Sustainability of Microfinance 2. Financial sustainability 2. Profitability Theory 2. Profitability of Retail Banking 2. The Concept of Profitability 2. Profit and Profitability 2. Market Power Theory 2. Efficient Structure Theory 2. Portfolio Theory 2. Macroeconomic Variable External Factor 2. Ethiopian Scenario 2. Conceptual Framework. Research Design 3. Target Population 3. Sampling Technique and Sample size determination 3. Source of Data and Methods of Data Collection 3. Data Analysis and Technique 3. Variable definition 3. Model Specification. Descriptive Statistics of Variables 4. Correlation analysis 4. Findings of the Regression 4. Conclusion 5. Next to Almighty Allah the completion of this work cannot succeed without acknowledging the contributions made by some few special people who devoted their time, means and intellectual abilities to make this study fruit full. First I would like to sincerely thank my advisor Tolossa Negesse Ass. I would also like to thank and acknowledge the contributions of Eastern Hararghe Zone credit bank OCSSCO sub department employees for their invaluable help, during data collection time, by providing me with all necessary financial data. Second I would like to thank Eskindir Amin Lecturer in Haramaya University his kind support and encouragement and I recognize my indebtedness to my employer that is Chinaksen Woreda Administration Office specially Abdunasir sh.


To browse Academia. Skip to main content. Log In Sign Up. Name of Chairman Signature Date ………………………………. Name of Major Advisor Signature Date …………………………………… ……………. Name of Co-advisor Signature Date …………………………………… ……………. Name of Internal Examiner Signature Date …………………………………. I hereby certify that I have read this thesis prepared under my direction and recommend that it be accepted as fulfilling the thesis requirement. This thesis has been submitted in partial fulfillment of the requirements for an advanced MSc degree at the Haramaya University and is deposited at the University Library to be made available to borrowers under rules of the Library. I solemnly declare that this thesis is not submitted to any other institution anywhere for the award of any academic degree, diploma, or certificate. Brief quotations from this thesis are allowable without special permission provided that accurate acknowledgement of source is made. Requests for permission for extended quotation from or reproduction of this manuscript in whole or in part may be granted by the department of Agricultural Economics, the Dean of the School of Graduate Studies, Haramaya University, when in his or her judgment the proposed use of the material is in the interests of scholarship. In all other instances, however, permission must be obtained from the author. He completed his primary education at Model number 1 primary school in Debrebrihan town and at Abiyot fire junior and secondary school at Fitche town of Oromia regional state where he moved from Debrebrihan due to his family. He completed his junior and high school education at Abiyot fire junior secondary school and at Fitche comprehensive secondary school respectively. A degree in Cooperative Business Management in July I am motivated and encouraged by the support and immense contributions made by my major advisor Dr. Jema Haji. I would like to thank him for his encouragement, thoroughly reading the manuscript, valuable comments, suggestions, professional advice, and close supervision. I also gratefully thank and appreciate profoundly the contributions made by Dr. Jemal Yusuf for his painstaking critics of the entire document and very useful comments made. I also want to acknowledge Meles Wondimu, project coordinator at Hararghe catholic secretariat Dire Dawa branch, for his overall encouragement, guidance, and support gave to me to realize this paper. Finally, I thank immensely members of the rural women based saving and credit cooperatives who properly responded to the questions raised and actively participated in the focused group discussion conducted and for the all supports and cooperation they did. Background 3 1. Statement of the Problem 3 1. Objectives of the Study 3 1. Scope and Limitations of the Study 3 1. Significance of the Study 3 1. Organization of the Thesis 3 2. Theoretical Perspectives 3 2. Microfinance 3 2. Meaning of micro credit 3 2. Types of institutions that supply microfinance services 3 2. Cooperative 3 2.


In the past 20 years, the company has also been able to register tremendous achievements in all its operations and capital formation. Its capital and assets have currently grown to 2. Similarly, the company has demonstrated notable performances in expanding client outreach, enhancing disbursement and saving mobilization. Provide affordable, innovative and customers responsive financial services to rural and urban economically active people to improve their income. Company has been offering diversified loan products to its customers. SGBL is a microloan that self organized groups in rural and urban settings are eligible to borrow through group liability. It targets all segments of low income population but mainly women and unemployed youths. MSEL targets higher education institution graduates as well as other unemployed youths or individuals who establish one of business entities such as Cooperatives, Sole proprietorship, Partnership, Share Company and Private Limited Company. BL is a loan type that offered to individual or group business runners. The operators need to present matching collateral for their loan request i. WEDP loan intends to enhance women owned individual businesses or enterprises through ensuring financial support. The main targets are individual businesses owned by women and of organized women enterprises that are in operation for at least 6 months. GPL is a loan product for permanent employees of government and non government organizations that borrowed for any personal affairs through presenting equivalent salary guarantee. This is a housing loan for employees to contribute toward the efforts that have been made by government in reducing the housing problems in towns. HL is provided to permanent government and non-government employees, police forces and government appointee officials who can present required guarantee or collateral. The service is offered in consistent with Islamic Sheria finance principles. Product Type. Maximum Loan Size. Maximum Loan Term. Interest Rate.

Nice post. Thanks for sharing. Thanks for sharing this useful information. Insurance Brokers Australia. Thanks Yafet for you comment and for the pdf I can send you if you give your address. I am too inspired from this blog thanks for share this informative blog post with us keep it up for share more information with us. Debiteurenbeheer uitbesteden. Nice and a vital information. Thanks for that. Please can you send me it's pdf through awortwestephen54 gmail. Twitter Like. A Case Study of Eshet Micro finance. Institution Jimma Branch. Fulfillment of B. BY: Milion Belay. To Advisor Yibeltal Ayalew. Co-Advisor Semere Getahun. Jimma University. College of Business and Economics. Department of Banking and Finance. January JimmaEthiopia. The main purpose of this study is to assess the credit risk management practice of Eshet MFI on Jimma branch specific issues like client screening and delinquency was addressed, in addition the institution most frequently use clients screening mechanism, personal or group guarantee and assessment of business venture. Thus the institution should employment other way of income generating activities other than high interest and service at minimum credit risk. First of all I would like to thank God for his helped me the inception to end this proposal. I Would like to express my deepest thank to my adviser Mr. Yibeltal Ayalew and Mr Semere Getahun for Unlimited encouragement, constrictive and useful suggestion. I wish to express my thanks to my mother for their great deal of financial support. MFIs: Micro finance Institutions.

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