Impacts Of Micro Finance On The Livelihood Of Households Particularly Women The Case Of Adea Lib En Woreda

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Poverty is highly affecting the li fe's of the population of Less Developed Countries (LDCs) inrngeneral and that of rural women in particular. High vulnerability, lack of education and medicalrnservices, less participation in different decision-making activities are some of the major problemsrnthe rural women faced. They are also economically, socially, culturally and politicallyrnmarginalized. To overcome these and other related socio-economic problems, Micro financernInstitutions (MFIs) targeted the poor in general and the rural women in particular.rnThis study is aimed to exam me the impact of Oromia Credit and savmg Share Companyrn(OCSSCo) services on the li fe of women clients in rural areas of Oromia region. It is assumedrnthat, the impact of the intervention of MFIs could be observed at household, indi vidual,rnenterprise and community levels. The rationale for using household, individual , enterprise andrncommunity as units of impact assessment is that, any institutional services that are aimed tornprovide financial services for the sake of povelty alleviation, its end effect is measured by thernchanges appeared on the lives of its clients. These clients are part of the household and thernsoc iety in which they li ve. Therefore, household situations affect the activities of individual s. Onrnthe other hand, the impact of Micro finance (MF) intervention can be observed by therncomposition of the household, and due to one of their economic activities.rnThe study used a case study method taking Adea Liban Worked as a sample. It included allrnwomen clients WllO stayed in the program for one to five years. It also covered 8 rural kebeles ofrn40 centers. The number of participants is 220 women clients, 24 informant groups and 7rnOCSSCo members. Almost, all women client respondents are similar in their characteristics.rnOut of the total 220 client respondents, 116 of them were interviewed; where as 104 of them werernparticipated in focus group discussions (FGDs). The informant groups were participated in FGDs.rnBesides, 7 OCSSCo staff members were interviewed. For all respondents structuredrnquestionnaires (open-ended and closed-ended) were used as an instrument. Observation of clientsrnliving situations was used in order to crosscheck the opinions given by the clients. During the

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Impacts Of Micro Finance On The Livelihood Of Households Particularly Women The Case Of Adea Lib En Woreda

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