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    Financial inclusion and its determinants among households in Jimma Zone of Oromia Regional State, Ethiopia
    (İstanbul Ticaret Üniversitesi, 2019) Timbula, Mekuanint Abera; Mengesha, Tadele; Mekonnen, Yonas; Kebede, Matiwose
    The majority of the developing countries, access to finance is demanded more for the middle and low- income community and considered as a public good, which is as important as access to safe water, primary education, etc. The researcher used a hybrid of qualitative and quantitative approach. The exploratory research design used in exploring and developing financial literacy framework to study in the Ethiopian context as there is no financial literacy framework developed previously. The descriptive research design used in describing the level of financial literacy, financial inclusion, saving behavior, the relationships between financial literacy and saving habit, the demographic and socio-economic characteristics of the study area. The sample size taken for the study was 173 households. Descriptive statistics and inferential statisticswere used to attain the objective of the research. The probit regression model produced similar results as those obtained using the logit model showed that age, education, financial literacy, and income are positively related to financial inclusion and distance to the nearest provider of financial services negatively impact financial inclusion. It is possible to reduce determinates of financial inclusion with regulating well the financial system, creating healthy competition and building better enabling environment. Identifying and segregating the root causes and addressing it appears to be removing the distance, services charge, and credit barriers. On the other hand, the market for financial services failures and behavioral problems related to customer tend to be addressed through designing of appropriate financial products. Removing those challenges and expanding financial inclusion tend to be possible with the promise of the latest technologies.
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    Financial literacy and its determinants among households in Jimma Zone
    (İstanbul Ticaret Üniversitesi, 2020) Mengesha, Tadele; Timbula, Mekuanint Abera; Mekonnen, Yonas; Kebede, Matewose
    Financial literacy becomes a topical issue for academicians and policy makers, both in developed and developing countries. This might be because of the fact that there is low level of financial literacy prevailing across the world. To achieve the objective of the study, a quantitative research design and a cross sectional survey research approach was used. The research focused on the urban area of Jimma Zone by taking a sample of 173 households using multi-stage sampling. The result of multiple regression analysis showed that educational levels of the households have a significant and positive effect on their level of financial literacy. That is, as the educational level of households increase, their financial literacy levels will also increase. But the remaining three predictors i.e. Age; Gender and financial literacy training from microfinance institutions have no significant effect on the financial literacy level of the households.