May 14, 2025 Journal article Open Access

Merid Jenenew

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        <foaf:name>Merid Jenenew</foaf:name>
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    <dct:title>FACTORS AFFECTING THE EFFECTIVENESS OF MICROFINANCE CREDIT (THE CASE OF RURAL HOUSEHOLD IN GIRAR JARSO WOREDA (BORROWER PERSPECTIVE))</dct:title>
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    <dct:issued rdf:datatype="http://www.w3.org/2001/XMLSchema#gYear">2025</dct:issued>
    <dct:issued rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2025-05-14</dct:issued>
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    <dct:description>&lt;p&gt;The paper analyzes the effectiveness of microfinance credit in improving the life of rural household using data collected from 309 randomly selected households. Descriptive analysis of demographic factors and in what aspect of life changes was made. Whereas binary logit model output was used to analyze the socio-economic institutional factors that improved effectiveness. The results revealed the existence of various factors hindered the effectiveness of micro-finance to improve rural farmer&amp;quot;s life as expected. Microfinance credit related variables such as procedure and policy of institution, obtaining amount requested, credit &amp;ndash;plus service, interest rate, considering farming calendar and grace period and using credit for consumption were found to be significant factors influencing the effectiveness of micro-finance credit in rural. Other determining factors include small land holding, interest rate, and distance to market. The policy implications of the results tend to focus on the factors that significantly affect the effectiveness of micro-finance in rural area.&lt;/p&gt;</dct:description>
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