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Please use this identifier to cite or link to this item: http://hdl.handle.net/123456789/3340

Title: THE ROLE OF ACSI IN ADRESSING FINANCIAL NEEDS OF WOMEN CLIENTS ENGAGED IN MICRO AND SMALL ENTERPRISES: THE CASE OF BAHR DAR BRANCH
Authors: Gedam, Mandefro
Advisors: Dr. Degefe Duressa
Keywords: Business A DMINISTRATION
Copyright: Nov-2010
Date Added: 12-Jul-2012
Publisher: AAU
Abstract: Poor people in general lack access to financial services from formal financial institutions. Poor households pursing micro and small enterprise are excluded from formal institutional credit service. This is because of the high collateral and antiquated lending practice of the formal institutions. Microfinance institutions are considered as a promising source for micro and small business operator specially women throughout the world. Therefore, it is vital to evaluate the role of microfinance programs in addressing financial needs of women engaged in micro and small business sector. The existing operation of the formal financial institutions (Banks) in Ethiopia is inefficient in providing financial services to the poor. Microfinance is considered to meet the gap created by the conventional financial institutions by providing financial service for the productive poor specially women so that they can engage themselves in productive activities, i.e. micro and small business activities. In order to investigate the fundamental premise, this study examined empirical evidence in Amhara Credit and Saving Institution to know its role in addressing financial needs of women clients. Therefore, the objective of this study is to assess the source of startup and working capital, working capital and funds for expansion of the business during operations for women engaged in MSEs sector and to what extent ACSI helps women to address their financial needs. Primary data were collected through interview with manager of the branch office and some selected women clients. Secondary data were gathered from different literature and MFIs reports and publications. The research is both quantitative and qualitative in nature. Descriptive analysis was applied in the study. The role of microfinance is analyzed based mainly on clients’ profile, sources of startup capital, sources of working capital, loan methodology and loan size. The finding indicates that ACSI has made significant contribution to address working capital needs of women clients than the other sources of funds of women. However the result also indicates that ACSI has benefited men than women, the loan size is very small to the needs of women, the procedure and regulations are very restrictive to access the loan. Therefore, modifications of loan size and flexibility in operational activities would be appropriate to address financial problem of women in the sector.
Description: A PROJECT SUBMITTED TO THE SCHOOL OF GRADUATE STUDIES OF ADDIS ABABA UNIVERSDITY IN PARTIAL FULFILMENT OF THE REQUIREMENTS FOR THE MASTERS OF BUSINESS ADMINISTRATION (MBA)
URI: http://hdl.handle.net/123456789/3340
Appears in:Thesis - Business Adminstration

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