College of Business and Economics

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    Determinants of Financial performance of Microfinance institutions (MFIs) in Ethiopia
    (Mekelle University, 2024-11) Kibrom Welday
    The main objective of this study was to investigate and analyze the Determinants of financial performance in the case of selected micro finance institutions (MFIs) in Ethiopia, with specific emphasis on how Capital to Asset ratio, Firms growth rate, Portfolio at Risk, Operating Efficiency ratio, Age of MFI, real gross domestic product growth, Size of MFI, and Government support affect financial self-sufficiency of the MFIs in Ethiopia. Quantitative research approach was used, and the study included a selected sample of 22 MFIs in Ethiopia covering a time period of nine years from 2015 to 2023 (198 observations). The study employed secondary data collection method and the data were obtained from the financial annual reports of MFIs that were available in the national bank of Ethiopia. Fixed effect was used for the Panel data regression analysis of variables. To test the accuracy of the model, the researcher has employed important classical regression assumption tests. The fixed effect regression model’s result coefficient of determination (R-squared) was 0.706, implying that 70.6% of variation in financial performance is explained by the independent variables used in the study. The result of the study indicated that MFIs’ financial performance is significantly influenced by Capital adequacy ratio; MFIs’ size, MFIs’ growth and Age of MFIs. Whereas, portfolio at risk, operating efficiency, gross domestic product, and government support have no significant effect on financial performance of the selected MFIs in Ethiopia.
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    Assess the effect of Conflict on Performance of Rural Saving and Credit Cooperative and Mitigating Mechanisms in Southern Tigray: The Case of Endamohoni Wereda.
    (Mekelle University, 2025-03) YohannesRedae
    he survey conducted after the devastating war in Tigray provides valuable insights in to assess the effects on the Endamohoni Wereda Main objective of this study is to assess the effect of conflict on rural saving and credit cooperative in southern Tigray: in the case of Endamohoni Wereda. The effectiveness of RUSSCO is necessarily subject to assess the negative effects of the conflicts or war, especially as their loans outstanding depended on the level of savings outstanding. Endamohoni Wereda Youth Saving and Credit Cooperative for its saving, loan provided, credit collections in 2020 and this effect leads for above 2million birr pillages in all branches During the conflict, deposits shrink and increases in withdrawals, substantial decrease in loan repayment lost their businesses, or even died. The Research design is mixed methods both qualitative and quantitative approach has been employed in this study. This researcher used a descriptive research design, and systematic random sampling techniques, department heads were selected purposefully . Data were collected by interviewing up on 378 respondents in rural saving and credit cooperatives Endamohoni Wereda , South Tigray in Ethiopia. To analysis and interpret data the researcher used descriptive statistics such as the percentage, range, table, graphs, ratio and narrations and the other methods to collect qualitative data by interview systematic random sampling and purposive sampling .The post war conflict brought about complex effects and wide range of damages such as pillage, assets set on fire , shutter or demolished assets. The members are facing multiple problems, challenges and economic limitations. Major challenges of rural saving and credit cooperative union is lake of awareness, limitation of managerial capacity, limited income of the members, Sacco size, dependency or government interference, inadequate support and weak regulation and supervision ,inaccessibility to technology, political instability or war. From this it is possible to conclude that the post war conflict significantly disrupted the income capacity of most respondents, with only a small percentage managing to generate income at or near their expected levels. Similarly, the majority of members either ceased saving or reduced their saving amounts during the war and siege period. Solutions for the challenges of rural saving and credit cooperative, the researcher recommended the following suggestions. Increase educated staff members, use of technology, creating awareness rising, enhancing of the members, and their income per participant, being mautonomous, and cooperative among cooperative unions