Business Skills Training and Provision of Loans Unlock Economic Growth Opportunities for 900 Women

Ethiopia

The Rural Women Economic Empowerment Joint Program (RWEE JP), the Joint Programme on “Accelerating Progress toward the Economic Empowerment of Rural Women” of FAO, IFAD, WFP and UN Women in partnership with the Government of Ethiopia provides the Basic Business Skills training and loans of up to 10,500Birr (470USD) to rural women in Yaya Gulelle, Adami Tulu and Dodola districts.  The overall aim is to accelerate progress towards economic empowerment of the targeted rural women.  So far, 900 rural women have been provided with skills and loans, with the potential for more rural women to access the loans as part of a Revolving Fund under the Programme. 

The first training in Yaya Gulelle district was held from 21st - 30th November 2016 in collaboration with the Districts’ Women and Children Affairs Bureau and the Cooperative Promotion Agency. Three hundred women were equipped with the necessary skills that would enable them to effectively use the loans to increase their incomes in order to improve their livelihoods and of their families.  The training, which targets rural women with limited education uses approaches such as visual aid, drama, role plays, and practices from their own community to familiarize the women with basic business planning and implementation skills including financial management.  According to the women, the training benefits them in different ways.  For some it is an opportunity to learn how to start small businesses from scratch and be profitable while others learn how to expand or diversify their small businesses.

One of the beneficiaries, 29 year-old Ms. Almaz Lemma, a member of Dire Bifut Saving and Credit Cooperative, said the training and loan assisted her to expand her ongoing small business of retailing Sorghum, the main ingredient for brewing traditional beer in her region.   Almaz dropped out of school in 6th grade to pursue her passion for business.    According to her, attending the five-day training on basic business skills and earning the certificate has boosted her self-esteem.  “For me this is the first certificate I have ever received and it will keep encouraging me to focus on the business, to earn more cash and one day to open a retail shop of consumer goods in town,” said Almaz who used the over 6,200Birr (282USD) loan she received through RWEE JP to increase her supply of Sorghum per week to ten quintals from the previous supply of two quintals.

az added that the profit from the expanded business will enable her to timely pay back the loan and to continue covering the school expenses of her two younger brothers, age 15 and 18.  Almaz has been supporting her brothers who are now in 7th and 9th grades since her father, who is a farmer does not have enough income to cover all their school costs.   According to Almaz, she is determined to continue assisting them in their schooling so that they will be able to complete their education at university level and get jobs with good salaries to improve their life styles. “One day I may get married and have a family. This is, however, not my priority now as I first need to be economically independent and change my family’s livelihood for better,” said Almaz, who confidently lives in a community, where a young woman for her age without marriage is perceived as undesirable.

Another participant, Mrs. Shebire Taddesse, the leader of Dire Bifut Saving and Credit Cooperative, provided her testimony. According to her, limited access to capital is among the main challenges of rural women, which hinders them from involving in income generating activities.   Unlike other loans which require some amount of money as collateral and might have interest rates as high as 15 percent, which is not affordable, the loans provided under the RWEE JP are affordable with only 5.5 percent service charge, and so preferred by the members of her Cooperative.  As she explained,  

“The cooperative was established four years ago and the members have been contributing 10Birr (0.5USD) every month.  Before RWEE JP’s support, the loan that the cooperative gave to the women never exceeded 1,000Birr (45USD) and most women used it to support their basic needs.  The loan and the different trainings we receive under the program enable us to invest more and increase our income.” 

Mrs. Shebire added that the main lesson she gained from the training is on how to differentiate profit from loss.  “I have the experience in fattening and selling sheep.  Before the training, I have never given attention on how to calculate the profit by considering all costs.  Using the over 6,200Birr (282USD) loan through RWEE JP, I purchased an Ox and have started to fatten it. My plan is to sell the fattened Ox during the upcoming Ethiopian Christmas in January.    From its income, I will purchase more and fatten to supply for the Easter holiday Market in April,” she explained about part of her business plan with a determination to carefully manage.    Mrs. Shebire, who is 38 years old, and married with five children said that her long term vision is to improve her family’s lifestyle including to enable them live in a corrugated iron sheets covered house from the current grass roofed one.

Photographer & Videographer Credit: Fikerte Abebe/UN Women Ethiopia
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    Ramsey Mike
  • diana smith
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  • Ramsey Mike
    Hello,

    My name is Ramsey Mike ,I am very happy to receive a loan from the European part of the world,i am here to recommend you all in need of financial assistance to contact Mr William Paul for your loan application .

    I was in need of $40,000 loan to buy a new car and also to pay my bills, I contacted him for my loan application and i receive my loan successfully.

    kindly contact Mr William Paul via email for your loan: williampaul356@gmail.com

    Ramsey Mike
  • williams peter
    I  am private loan lender/officer based in GH. I am looking to connect with individual and companies in need of loan assistance World wide. I give out easy, fast and non collateral loans. Write back to  now via email  to apply,if you are in need or have not yet been credited with one, i can help. NOTE: Blacklisted can apply too.  do not hesitate to send your request to us via e-mail:(Williamspeter199@gmail.com)  or WARSUPP me at +233264866768 or PH: +1(503) 773-9864
  • Valentina Slawson
    How I Got My Desired Loan Amount From A Reliable Loan Company.

    My name is Valentina Slawson a single mother with two kids from Chicago Illinois. I want use this medium to give thanks and appreciation to Mr Christopher Kennedy of Unamay Loan Finance Ltd with contact number +1(858)299-1101, for granting me a loan $47,000 to purchase a house of my own with a low interest rate of 3%. I also want to reach out to the general public and to everyone in need of a loan for various purposes I'll advice you contact Unamay Loan Finance Ltd so as not to fall into wrong hands while searching of a liable loan. Contact them today via email: unamayloanfinance@outlook.com or unamayloanfinanceltd@financier.com.
  • Valentina Slawson
    How I Got My Desired Loan Amount From A Reliable Loan Company.

    My name is Valentina Slawson a single mother with two kids from Chicago Illinois. I want use this medium to give thanks and appreciation to Mr Christopher Kennedy of Unamay Loan Finance Ltd with contact number +1(858)299-1101, for granting me a loan $47,000 to purchase a house of my own with a low interest rate of 3%. I also want to reach out to the general public and to everyone in need of a loan for various purposes I'll advice you contact Unamay Loan Finance Ltd so as not to fall into wrong hands while searching of a liable loan. Contact them today via email: unamayloanfinance@outlook.com or unamayloanfinanceltd@financier.com.
  • Hassle free, easy to do online and quick payment.
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    Interested persons should email (jamescarlconsults@hotmail.com) or phone (267-405-5404)
  • Valentina Slawson

    How I Got My Desired Loan Amount From A Reliable Loan Company.

    My name is Valentina Slawson a single mother with two kids from Chicago Illinois. I want use this medium to give thanks and appreciation to Mr Christopher Kennedy of Unamay Loan Finance Ltd with contact number +1(858)299-1101, for granting me a loan $47,000 to purchase a house of my own with a low interest rate of 3%. I also want to reach out to the general public and to everyone in need of a loan for various purposes I'll advice you contact Unamay Loan Finance Ltd so as not to fall into wrong hands while searching of a liable loan. Contact them today via email: unamayloanfinance@outlook.com or unamayloanfinanceltd@financier.com.

  • Valentina Slawson
    How I Got My Desired Loan Amount From A Reliable Loan Company.

    My name is Valentina Slawson a single mother with two kids from Chicago Illinois. I want use this medium to give thanks and appreciation to Mr Christopher Kennedy of Unamay Loan Finance Ltd with contact number +1(858)299-1101, for granting me a loan $47,000 to purchase a house of my own with a low interest rate of 3%. I also want to reach out to the general public and to everyone in need of a loan for various purposes I'll advice you contact Unamay Loan Finance Ltd so as not to fall into wrong hands while searching of a liable loan. Contact them today via email: unamayloanfinance@outlook.com or unamayloanfinanceltd@financier.com.
  • Donald Moore
    Finding a legitimate loan lender (mrdonaldmooreloanfirm@gmail.com) have always been a huge problem to clients who have financial problem and in need of solution to it. The issue of credit and collateral are something that clients are always worried about when seeking a loan from a legitimate lender. But we have made that difference in the lending industry by offering loans to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable, The Terms and Conditions are very simple and considerate. You will never regret anything in this loan transaction because we will make you smile. Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies.

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  • Steven Goodman
    Hello Everyone,

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    Please contact us by email: angel.loan.investment@gmail.com

    Best Regards
    Steven Goodman
  • Roger Walker
    Loan Offer Alert For Everyone! Are you financially down and you need an urgent credit/financial assistance? Or are you in need of a loan to start-up/increase your business or buy your dream house. We offer all kind of funding at a very low interest rate of 3% with reliable terms and condition. For more info Contact Email: rogerwalkerloans@gmail.com with the amount you need as a loan and the loan amount duration.

    Contact Email: rogerwalkerloans@gmail.com
  • Dear Sir/Madam,

    I Offer Private,Xmas, Commercial and Personal Loans with very Minimal annual Interest Rates as Low as 2% within a 1 year to 5 years repayment duration period to any part of the world. We give out loans within the range of 1,000 to 50,000,000. Our loans are well insured for maximum security is our priority,
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    * Full Name:
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    Interested Persons should contact us via E-mail:
    Lender's Email: macbruce211@gmail.com
  • Mr Greg Anthony
    Are you financially down? Do you need a loan to start up business or pay off bills?we offer all kinds of financial assistance to every individuals going through financial stress,do you need a personal loan,business loan or Investment funding, without stress and quick approval? If yes,contact us today as we are currently offering loans at superb interest rate at 3%.Our finance is secured and safe our customers happiness is our strength,we offer loans from the range of 5,000 -10,000,000.00,20,000,000 USD_Euro and Pounds,available now For more info on how to procure a loan from this company,contact us urgently.

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    Awaiting your swift response.

    Best Regards
    Mr Greg Anthony
  • Edward Bonk
    Good day Everyone,
    I am Edward Bonk from Australian. I got a loan of $85,000 from QUICK CASH INVESTMENT .I promised to help advertise her services on internet, i will advise you to contact QUICK CASH INVESTMENT for an urgent loan. She is reliable and genuine. email address is: quickcashinvestment2933@gmail.com

    Wish you goodluck.

    Thank you
    Mr Edward Bonk
  • Andy Murray
    Good-Day, This is to inform you that the Havills Loan Firm® now also offers loans to farmers at a very low interest rate of 2% Per Ann-um. So are you in need of initial capital for Financing you farm business or mortgaging of range lands? or do you want to expand of your existing farm size or farm business investment. We can finance more than $150 million Worth of farm Project, we are well licensed loan company, we give out loans at very easy way and there is no social security number required and no credit check required, it is 100% Guaranteed. contact us now via e-mail: havillsloanfirm@yahoo.com

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    Mr. Andy Murray
  • mike davidson
    ,I am MR. MIKE certified loan lender,I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.i want you to understand the fact that i MR MIKE is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up working capital loans, construction loans ,car loans, hotel loans,and student loans, personal loans, Debts Consolidation Loans, what are you waiting for asap why don’t you try. MR MIKE Loan home and be free from debts any interested.

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  • Roger Walker
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    Contact Email: rogerwalkerloans@gmail.com 
  • Donald Moore
    Dear Sir/Madam

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    phone contact: +1-619-720-0478
    website: www.mrdonaldmooreloanfirm.bravesites.com
  • Roger Walker
    Loan Offer Alert For Everyone! Are you financially down and you need an urgent credit/financial assistance? Or are you in need of a loan to start-up/increase your business or buy your dream house. We offer all kind of funding at a very low interest rate of 3% with reliable terms and condition. For more info Contact Email: rogerwalkerloans@gmail.com with the amount you need as a loan and the loan amount duration.

    Contact Email: rogerwalkerloans@gmail.com
  • Hello my name is Larry Scott Gregory and i am a private loan lender.

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    Larry Scott Gregory
  • daniel james

    Urgent Affordable loan. search no more. contacting the right company for legitimate loan lender have always been a huge problem to clients who have financial problem and in need of solution to it at an affordable interest rate? processed within 4 Of 6 working days. have you been turned down constantly by other banks and other financial institutions? contact GUARANTY TRUST LOANS Inc, We offer loans ranging from (6,000.00 $ˆ£ To 100,000,000 $ˆ£ Or It\'s equivalent In Euro & Usd, Pounds). At 2.% interest rate per-year. Loans for developing business a competitive edge/Business expansion. We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing, Contact us today at: guarantytrustloans1@gmail.com


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  • Piero Nofri
    I will remain grateful to Mr Richard Cole, I was in need of a loan of $200,000.00 to grow my business as it was crushing down,and to make my kids comfortable as a single Father left with 2 kids, while searching for help online. I met this honest and God fearing loan lender online Mr Richard Cole that helped me with a loan of $200,000.00 U.S. Dollars with a rate of 2% Only, he is indeed a God fearing man, working with a reputable loan company. If your business is dying or you want to construct your building and you need a support of a loan to make up, then Mr Richard is the right choice and you are 100% sure to pay back the loan please contact him on this email: easyfinancialservice@yahoo.com  and inform them Piero Nofri directed you.. Thanks and God Bless you sir..
  • Piero Nofri
    I will remain grateful to Mr Richard Cole, I was in need of a loan of $200,000.00 to grow my business as it was crushing down,and to make my kids comfortable as a single Father left with 2 kids, while searching for help online. I met this honest and God fearing loan lender online Mr Richard Cole that helped me with a loan of $200,000.00 U.S. Dollars with a rate of 2% Only, he is indeed a God fearing man, working with a reputable loan company. If your business is dying or you want to construct your building and you need a support of a loan to make up, then Mr Richard is the right choice and you are 100% sure to pay back the loan please contact him on this email: easyfinancialservice@yahoo.com  and inform them Piero Nofri directed you.. Thanks and God Bless you sir.
  • alee Aliyana
    The primary preparing in Yaya Gulelle locale was held from 21st - 30th November 2016 in a joint effort with the Districts' Women and Children Affairs Bureau and the Cooperative Promotion Agency. Three hundred ladies were furnished with the essential abilities that would empower them to adequately utilize the advances to expand their wages to enhance their occupations and of their families. Write my Essay The preparation, which targets rustic ladies with constrained training utilizes methodologies, for example, visual guide, dramatization, pretends, and practices from their own particular group to acclimate the ladies with fundamental business arranging and execution abilities including budgetary administration
  • Harma Elena
    Good Day, My name is Elena, am a citizen of the United State of America BUT LIVED HERE IN GERMANY i want to testify of the good Loan Lender who showed light to me after been scammed by 4 different Internet international lender, they all promise to give me a loan after making me pay a lot of fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of $ 18,000. One day as i was browsing through the internet looking forsterated when i came across a testimony man who was also scammed and eventually got linked to a legit loan company called Mr Favour Henry ( MRFAVOURINVESTMENT@USA.COM )  or ( MRFAVOURINVESTMENT@OUTLOOK.COM ) where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 4 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and I was given a loan amount of $170,000.00  by this great Company (Mr Favour Loan Investment} managed by Mr Favour Henry and here i am today happy with my family because Mr Favour Henry has given me a loan so i made a promise to myself that i will keep testifying on the internet on how i got my loan. Do you need a loan urgently? kindly and quickly contact Mr Favour Henry now for your loan via email: ( MRFAVOURINVESTMENT@USA.COM )  or ( MRFAVOURINVESTMENT@OUTLOOK.COM )  i believe other people are also giving testimony on this same honest lender
  • MARY LISIR

    Good day everyone, My name is Mary Lisir I’m from USA, Florida and I am here to give a brief story about a loan testimony I received from Hannibal Smith Loan Funds . I was looking for a legit loan lender few days back when I got the email from this company and they gave me a quick loan. Apply for a fast loan today email contact: ( hannibalsmithloanfunds@aol.com ) .. Share this good news and get your loan today.Stay Blessed.
  • caroline nyakeri
    Such a wonderful initiative. As you expand do consider Kenya .
  • Scholastica Njozi
    The Initiative is great,  if possible expand to other countries

    Scholastica Njozi
  • Dr Rejoice Shumba
    Interesting story, thank you. I am particulaly interested in empowering rural women through skills and micro loans.
  • Sally Martin
    Very great initiative Firkete Abebe. Quite impressive
  • Uzoma Katchy
    A lot can happen when women are equipped with necesssary business skills and financed. Financial Literacy will greatly help these kind of initiative to be sustainable. 
    • Lindiwe mlalazi
      Very true. Providing women with financil skills and helping them acquire thr necessary business skills can do so much for the communities they live in, their families and the countrys economy. 
    1 of 1 Replies
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