Title Page
Contents
Abbreviation/Acronyms 10
Abstract 12
CHAPTER I. Introduction 14
1.1. Back Ground of the Study 14
1.2. Purpose of the Study 20
1.3. Research Hypothesis 22
CHAPTER II. LITETATURE REVIEW 25
2.1. Microfinance Institution 25
2.2. Microfinance in Other Countries 39
2.3. Microfinance in Ethiopia 43
CHAPTER III. Research Design and Methodology 50
3.1. Study Area and its Socio-economic Analysis 50
3.2. Data collection 57
3.3. Measurement 62
3.4. Data Analysis 64
CHAPTER IV. ANALYSIS AND DISCUSSION 66
4.1. Demographic Information of the Respondents 66
4.2. Use of Microfinance Institutions 68
4.3. Effect of Using Microfinance 75
4.4. Impact of Microfinance 78
4.5. Discussion 81
CHAPTER V. CONCLUSION AND RECOMMENDATION 89
5.1. Summary of major findings 89
5.2. Conclusions 90
5.3. Recommendation 92
Reference 96
APPENDICES 9
Appendix 103
요약 111
Table 1. Objectives of the study 21
Table 2. population of West Guji Zone 51
Table 3. Factors, questionnaires, and scale for measurement of variables 63
Table 4. Demographic of the respondents 67
Table 5. Frequency distribution Ways to be member of MFs 69
Table 6. Business experience before entering CS/MF program 69
Table 7. Credit Accessibility from Other Formal or Informal Financial Institutions Other... 71
Table 8. Personal saving account since two years 71
Table 9. Microfinance Institution System and its Service 72
Table 10. Correlations between duration/ period/ and annual income 75
Table 11. Relationships between training and savings 76
Table 12. Relation between the amount of money they barrow from MFI and the... 77
Table 13. Regression analysis between different variables and improvement of... 79
Figure 1. Geographical location of the study area (west Guji zone/2016) 50
Figure 2. Topography of west Guji zone/2016 52
Figure 3. Religion diversity in west Guji zone 53
Figure 4. Characteristics of the loan disbursed and recovery (2012-2016) 55
Figure 5. Research frame 65
Figure 6. Types of business experience 70
Figure 7. Impact of microfinance 78