Dejene Tulu (PhD)Shewakirs Takele Yigzu2025-04-242025-04-242025-03-10https://etd.aau.edu.et/handle/123456789/5349This research investigated the effect of Village Savings and Loan Associations (VSLA) operation in enhancing the economic well-being of low-income families in the Kolfe sub-city of Addis Ababa. The study aimed to explore several key relationships: the impact of savings on family economic well-being, the effect of credit access on family economic well-being, the influence of capacity building on family economic well-being, and the relationship between VSLA members' business experience and family economic well-being within Kolfe Sub-city. A cross-sectional survey was employed, utilizing a mixed-methods approach that combined quantitative and qualitative data collection. Quantitative data were gathered through systematic random sampling, resulting in a sample of 270 respondents derived from a population of 1,027 members across 52 VSLAs, calculated using Yamane’s formula. Qualitative insights were obtained through focus group discussions and personal observations. The questionnaire was structured using a five-point Likert scale and analyzed with IBM SPSS Statistics 26; its reliability and validity were confirmed through pilot testing and a Cronbach’s Alpha coefficient analysis. Quantitative data were evaluated using both descriptive and inferential statistics, while qualitative data underwent content analysis. The main findings revealed strong positive and significant effects of savings, credit access, capacity building, and members' business experience on family economic well-being. The study recommends implementing regular training sessions on the benefits of saving, encouraging policymakers and program designers to invest in financial literacy campaigns for current and potential VSLA participants, expanding credit access, offering tailored business training programs for VSLA members, and promoting sustained engagement with VSLAs over the long termenThesis