AEMFI

AEMFI - Publications

Announcements

Call for Paper: Microfinance Development Review- Volume 12- 2020

The Association of Ethiopian Microfinance Institutions (AEMFI) is planning to publish its Microfinance Development Review (MFDR) Volume 12, No.1.

Publications

Articles

Why Social Performance Management is important

By managing both their social and financial performance MFIs can be effective in achieving their social and financial performance MFIs can be effective in achieving their social mission and growing into sustainable businesses.

Occasional Papers

Linking Food Insecure Households to Sustainable Financial Service Providers in Ethiopia

INTRODUCTION

This volume has two parts. Part I is about food security/insecurity trends and challenges. Based on secondary data, it shows how the country has been moving from famine relief response dominated paradigm to long term more predictable response to food insecurity. Two dimensions of food security are discussed. These are core dimensions (availability, access, utilization) and crosscutting dimensions (Governance and institutions, infrastructure, environment, gender and other vulnerable groups). The paper wraps up by introducing some challenges Ethiopia has been facing in an effort to ensure food

Background, methodology and conceptual issues

As the microfinance industry matures, ownership and governance issues in microfinance institutions have obtained an increasingly important role in the discussions about the conditions for success, or reasons for failure, of such institutions. In this context, the purpose of this Ownership and Governance Study is to study, establish and recommend options for efficient and effective governance of MFIs in Ethiopia. These issues have gained in importance as a result of the global financial crisis which has resulted in a worsening economic environment in Ethiopia for the operations of MFIs – on the one hand, the demand for microcredit is likely to increase, but on the other hand it is getting increasingly difficult for MFIs to refinance their operations.

Author: Amare dejene, Tadesse Kassaye, Fatuma Hassen, Tsegaye Anebo
Date: 07.07.2009
Type: International Studies and Reports

The HIV response is critical to progress across the breadth of the global development agenda. Success in addressing HIV and its socioeconomic impact will accelerate progress in achieving virtually all of the Millennium development Goals. The global epidemic is stabilizing but at an unacceptably high level. Globally, there were an estimated 33 million [30 million- 36 million] people living with HIV in 2007.Ethiopia is one of the least developed countries in the world, with a total population of 77 million (85% rural) and per capital income of US$100. The country is ranked 169 out of 179 in UNDP 2008 Human developments Index. Poverty is pervasive with about 44% of the population living below the national poverty is pervasive with about 44% of the population living below the national poverty line. Two decades after the report of the first AIDS case in Ethiopia, the disease is still posing the bigges public health problem facing the country. According to the MOH, at the end of 2005 a total of 1.3 million adults and children were living with HIV/AIDS in Ethiopia. In 2005 alone there were an estimated 128,900 new HIV infections, about 353 infections a day including 30,300 HIV positive births and 134,500 AIDS deaths (363 a day), including 20,900 children aged under 15.

Author: Haftu Berihun, Tsehaye Tsegaye, Teklu Kidane, Tassew W/Hanna
Date: 02.02.2009
Type: Country Reports and Publications

Micro and small Enterprises (MSEs) are believed to have a vital role in poverty reduction, employment generation as well as economic development in poor countries like Ethiopia. The Ethiopian MSE sector includes a diverse set of operators ranging from petty traders to small restaurant owners; shoeshine boys to small shoe making enterprises; peddler in the streets to grocery business operators, etc.
Micro enterprises are the smallest, informally organized business activities while small enterprises are rather formal business that fall under the purview of the country’s’ legal and regulatory system. MSEs operate in all sectors- manufacturing, trade, services both rural and urban areas.

Author: Dr. Wolday Amha
Date: 01.01.2008
Type: ECA Reports and Publications

Good governance involves effective guidance of MFI board members to guide the management team through the effective implementation of the regulatory framework of National Bank of Ethiopia (NBE) and develop systems and procedures which provide proper governance and adequately mitigate risk. The regulators in Ethiopia have provided clear directives which focus on governance and management by introducing strict licensing and minimum capital requrements, capital adequacy rules, fiduciary responsiblities and standards regarding owners, directors and executives managers of MFIs; In addition, regulators have further provided guidelines on risk management, which affects their entire performance. MFIs face problems related with governance, emanating from internal and external factors that threaten their operational and financial sustainablity.....