October 22, 2025 Thesis Open Access

Mohammed Shafi Ahmed

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  <identifier identifierType="DOI">10.20372/nadre:20488</identifier>
  <creators>
    <creator>
      <creatorName>Mohammed Shafi Ahmed</creatorName>
    </creator>
  </creators>
  <titles>
    <title>Factor Affecting Micro Finance Institutions Loan Repayment Performance of Small and Micro Enterprise, In The Case of Selected Dire Microfinance Institution Operated in Dire Dawa Administration.</title>
  </titles>
  <publisher>Zenodo</publisher>
  <publicationYear>2025</publicationYear>
  <subjects>
    <subject>Loan repayment performance, binary regression model , wald chi-square- test ,  descriptive analysis, loan default</subject>
  </subjects>
  <dates>
    <date dateType="Issued">2025-10-22</date>
  </dates>
  <resourceType resourceTypeGeneral="Text">Thesis</resourceType>
  <alternateIdentifiers>
    <alternateIdentifier alternateIdentifierType="url">https://nadre.ethernet.edu.et/record/20488</alternateIdentifier>
  </alternateIdentifiers>
  <relatedIdentifiers>
    <relatedIdentifier relatedIdentifierType="DOI" relationType="IsVersionOf">10.20372/nadre:20487</relatedIdentifier>
    <relatedIdentifier relatedIdentifierType="URL" relationType="IsPartOf">https://nadre.ethernet.edu.et/communities/ddu-business-economics</relatedIdentifier>
  </relatedIdentifiers>
  <rightsList>
    <rights rightsURI="http://www.opendefinition.org/licenses/cc-by">Creative Commons Attribution</rights>
    <rights rightsURI="info:eu-repo/semantics/openAccess">Open Access</rights>
  </rightsList>
  <descriptions>
    <description descriptionType="Abstract">&lt;p&gt;The purpose of this study was to examine the factor affecting Micro Finance Institutions Loan Repayment Performance in the case of institution operating in Dire Dawa Administration. The study adopted a descriptive-explanatory research design with arrangement of primary data collection via a cross-sectional survey questionnaire followed by quantitative research approach using binary regression model and taking in to account a sample of 100 DMFI employees and the key selected clients. The result of logistic regression output revealed statistically significant evidence of 12&amp;rsquo;s variables out of 18 variables in affecting micro finance institutions loan repayment performance at 5% of significance level. To this end, education, age, alternative source of income, saving habit, business experience, business location, business sector, loan size, loan purpose, repayment schedule, appraisal and training factors were are significant in explaining micro finance institutions loan repayment performance in one hand. On the other side, however, gender, ownership structure, family size, loan purpose, lending strategy factors are insignificant variables in determining micro finance institutions loan repayment performance. Therefore, the study suggest that Micro Finance Institutions should taking in to account those twelve identified (12) significant variables, where it explains that repayment performance plays an important role to ensure that MFIs can continue providing microfinance to the micro entrepreneurs without depending on subsidies.&lt;/p&gt;</description>
  </descriptions>
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