It has over 460,000 customers and as such decsi is regarded as one of. Performance of loan repayment determinants in ethiopian micro finance an analysis shaik abdul majeeb pasha, tolosa negese abstract micro finance involves the provision of microcredit, savings, and other services to the poor that are excluded by. The amhara credit and saving institution acsi institutional profile, current status and future strategy bahir dar may 2004. C decsi is a micro finance institution operating in tigray. Determinants of womens participation in micro finance and. Amhara credit and saving institution acsi posts facebook. The operation of the acsi is traced back to 1995 when it was initially initiated by the organization for the rehabilitation and development in amhara orda, an indigenous. A pilot of psychometric testing with amhara credit and savings institution acsi involved testing nearly 3,000 clients and tracking their loan performance over time. Under north shoa zone office of amhara credit and saving institution there are m ore than 2, 50,374 active savers using the services provided in all 51 branches. Dedebit credit and savings institution sc decsi is a microfinance institution operating in tigray region, in northern ethiopia. For this matter, ten saving and credit cooperatives are taken as a case study area. Assessment of credit management system case study in commercial bank of ethiopia, gondar branch the amhara credit and saving institution acsi pic institutional profile, current status and future strategy bahir dar may 2004 table of contents forward 1. Though microfinance institutions are decisive way outs.
The case of amhara credit and saving institution feres bet subbranch, degadamot woreda article pdf available january 2016 with 3,738 reads. Microfinancing institution is established to carry out the following activities. Among these institutions, the oromia credit and saving share company is the major provider of agricultural credit and saving service for the rural population in the study area 7. Accepting both voluntary and compulsory savings as well as demand and time deposits. A case study in the addis credit and saving institution, addis ababa, ethiopia. Impact of microfinance on womens economic empowerment.
Amhara credit and savings institution acsi building. Institution with whom i enjoyed and shared the challenges and. The main purpose of acsis credit and saving program is to aid poor households of the region to build up their assets. Implementing organizations like governments, ngos, multilateral organizations, and businesses who run programs that our affiliated professors evaluate, use our policy lessons from research, and scale up programs that are proven effective. The major elements of the ethiopian social economy for wealth making are access to finance, knowledge, access to markets and regulation and government support. Dedebit credit and savings institution decsi was established in 1997 as a microfinance institution mfi providing credit and savings services for the rural and urban poor in the tigray region of ethiopia. Credit risk management in micro finance institutions a case. Submitted in partial fulfillment of the requirements for the degree of masters in management, economics and consumer studies. Determinants of household saving in ethiopia the case of north gondar zone, amhara regional state tsega hagos mirach ba, msc1and yemane michael hailu2 1lecturer in economics, school of economics, college of business and economics, university of gondar, gondar, ethiopia. We work closely with innovations for poverty action ipa, an nonprofit research organization with programs and offices around the world. Solomon kebede menza is a lecturer and researcher at wolaita sodo university, ethiopia in the department of economics. The purpose of this study is to assess the financial performance of ethiopian mfis during the current financial crisis with particular reference to amhara credit and saving institution acsi, the largest mfi in the country. The purpose of this case study is to highlight how the amhara credit and savings institution acsi has been successful in terms of delivering financial services to poor, rural and remotely located communities in ethiopia. Amhara credit and saving institution findev gateway.
It is operating in the amhara regional state of ethiopia. History, vision, mission, values, principles, and objectives. International conference on rural finance research. Decsi evolved from a program established by the relief society of tigray rest, a local ngo founded in 1978. Amhara credit and saving institution acsi was established in the amhara region, ethiopia, aiming to feel the gap of formal institutions to meet the need of small. Mangala gowri 2 1department of accounting, faculty of business and economics, university of gondar, post box 196, ethiopia. Dedebit credit and savings institution decsi innovations. C acsi is a micro finance institution operating primarily in the amhara region. Challenges and prospects of saving and credit cooperatives in. A case study on amhara credit and saving institution acsi january, 2011. Dedebit credit and savings institution decsi is a microfinance institution operating in tigray region, in northern ethiopia. The impact of saving and credit cooperatives on food security in the west amhara region of ethiopia.
Acsi was selected for this series of case studies on state owned financial. This case study of amhara credit and savings institute was written by phetsile dlamini and neil. Performance of loan repayment determinants in ethiopian. A survey research design was adopted and relevant data for the study were collected from 100 officials of amhara credit and saving institution through questionnaire. Pdf the impact of microfinance on household saving. A crosssectional studywas conducted among households from zonal cities of the region. A case study on amhara credit and saving institution acsi. C adcsi is a micro finance institution operating primarily in addis ababa. The general objective of the study was to find out the challenges and prospects of saving and credit cooperatives the case of kaku woreda, south wollo zone, amhara regional state. The financial performance and sustainability of microfinance. Spots agri business ocssco, as a development supporting mfi, gives financing priority to enterprise loan that can contribute to the economic growth, industrial transformation and the sectors that can create more job opportunities. These are oromia credit and saving share company, wasasa and eshet micro finance institutions. The amhara credit and saving institution acsi is the pioneer to work as a licensed microfinance in the country.
Accepted 26 june, 2014 microfinance is a term used by many in different domains to fight poverty. Addis credit and savings institution mbirr mobile money. Performance of loan repayment determinants in ethiopian micro. Amhara credit and saving institution acsi was established in the amhara region, ethiopia, aiming to feel the gap of formal institutions to meet the need of smallscale borrowers in income generation schemes. Based on the number of borrowing clients the market shares are 28. Malawi 165,540 federation des caisses populaires du burkina faso burkina faso 72,000. At present institutional sustainability is becoming the guiding principle for microfinance service. Among the microfinance institutions that are found in ethiopia, acsi is the. The pilot has demonstrated that psychometrics can help predict credit risk in ethiopia, with the highestscorers on the test being the least likely to default on their loans.
Amhara credit and saving institution acsi home facebook. Amhara credit and savings institutes acsi product has a high potential for serving more women but its reach is limited by a lack of appropriate appraisal tools. Performance of loan repayment determinants in ethiopian micro finance an analysis shaik abdul majeeb pasha, tolosa negese abstract micro finance involves the provision of micro credit, savings, and other services to the poor that are excluded by the commercial banks for collateral and other reasons. Amhara credit and saving institution acsi is one of the largest microfinance institutions operating in ethiopia established in accordance with.
Outreach and sustainability of the amhara credit and saving. When there are in sufficient accumulated saving to finance a business and when the return on borrowed funds exceed the interest rate changed on the loan it makes sense to borrow rather than postponed the. It has over 460,000 customers and as such decsi is regarded as one of the four largest mfis in africa. The researcher used samples of the amhara credit and saving. The role of microfinance institutions in the development of. The market shares based on the number of borrowing clients are 28. Its microfinance market is the low income population of ethiopia, particularly of the amhara region. Credit borrower fund with specified term of repayment. This paper discusses the following features of amhara credit and savings institution acsi. I want to thank the amhara credit and saving institution for giving me the permission to.
Descriptive statistics were employed for analyzing the data. Solomon kebede studies research articles, theoratical physics, and matrix theory. Decsi was legally established and registered by the national bank of ethiopia, according to proclamation no. Official pdf, pages world bank documents world bank group.
Ucc library and ucc researchers have made this item openly. A case study of amhara credit and saving institution acsi m. Evaluating amhara credit and saving institution and. Amhara credit and savings institution mbirr mobile money. Amhara credit and savings institution acsi building addis ababa, ethiopia gps. Mangala gowri abstract in recent times the term microfinance mf became a buzz word in the every corner of the. The legal instrument which regulates microfinancing institutions in ethiopia is licensing and supervision of microfinancing business proclamation no. Adcsi is a regionbased micro finance institution established to serve people residing in the city of. Microfinance institutions have been extending loans to different deficit units in. The purpose of this study is to assess the financial performance of ethiopian mfis during the current financial crisis with particular reference to amhara credit. A case of amhara credit and saving institution acsi, in sekota woreda download determinants of womens participation in micro finance and their decision. Dedebit credit and saving institution sc wikipedia.
Amhara credit and saving institution acsi is one of the largest microfinance institutions operating in ethiopia established in accordance with the above mentioned proclamation. Partners the abdul latif jameel poverty action lab. Title the impact of saving and credit cooperatives on food security in the west amhara region of ethiopia authors ayele, zemen ayalew publication date 2014 original citation ayele, z. A case study in amhara credit and saving institutions asmamaw yigzaw chirkos department of accounting and finance, college of business and economics, bahir dar university, tel. Institutional profile, current status and future strategy. Acsi amhara credit and savings institution is one of the largest mfis that are found in. Logistic regression with forward likelihood selection method was used to identify the determinant factors associated with saving status. Credit and saving provision methods of the institution overview 27. The purpose of this case study is to highlight how the amhara credit and savings institution acsi has been successful in terms of delivering financial services to poor, rural and.
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