Factors Affecting Womenas Effectiveness in USE of Microfinance and Microcredit Services; Jimma Zone, Southwest Ethiopia

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Yilkal Wassie Ayen
Yilkal Wassie Ayen
1 Jimma University

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This study has focused particularly on assessing the loan repayment performance of female headed households on Oromiya Credit and Saving Share Company (OCSSCO) of Jimma Zone Ethiopia. Primary data were collected from 205 female headed households in the study area. With the help of Logit model the study found that family size of the household, health status of the respondent, loan diversion, time of loan application and distance from credit source variables are statistically significant and negatively affect the loan repayment performance of borrowers. While, the age of the borrower, education level of the respondent, experience of the borrower, celebrating of social ceremony, monthly expenditure, application of machinery, installment period and loan seize variables are statistically insignificant in affecting the loan repayment performance of borrowers however their sign was positive.

20 Cites in Articles

References

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Funding

No external funding was declared for this work.

Conflict of Interest

The authors declare no conflict of interest.

Ethical Approval

No ethics committee approval was required for this article type.

Data Availability

Not applicable for this article.

Yilkal Wassie Ayen. 2015. \u201cFactors Affecting Womenas Effectiveness in USE of Microfinance and Microcredit Services; Jimma Zone, Southwest Ethiopia\u201d. Global Journal of Management and Business Research - B: Economic & Commerce GJMBR-B Volume 15 (GJMBR Volume 15 Issue B10): .

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Issue Cover
GJMBR Volume 15 Issue B10
Pg. 31- 38
Journal Specifications

Crossref Journal DOI 10.17406/GJMBR

Print ISSN 0975-5853

e-ISSN 2249-4588

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GJMBR-B Classification: JEL Code: P49
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v1.2

Issue date

November 30, 2015

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English

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This study has focused particularly on assessing the loan repayment performance of female headed households on Oromiya Credit and Saving Share Company (OCSSCO) of Jimma Zone Ethiopia. Primary data were collected from 205 female headed households in the study area. With the help of Logit model the study found that family size of the household, health status of the respondent, loan diversion, time of loan application and distance from credit source variables are statistically significant and negatively affect the loan repayment performance of borrowers. While, the age of the borrower, education level of the respondent, experience of the borrower, celebrating of social ceremony, monthly expenditure, application of machinery, installment period and loan seize variables are statistically insignificant in affecting the loan repayment performance of borrowers however their sign was positive.

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Factors Affecting Womenas Effectiveness in USE of Microfinance and Microcredit Services; Jimma Zone, Southwest Ethiopia

Yilkal Wassie Ayen
Yilkal Wassie Ayen Jimma University

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