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8
th
biennial Micronance
Conference
Association of Ethiopian Micronance Institutions
(AEMFI)
October 22-25, 2014, Lewi Resort, Hawassa, Ethiopia
Inclusive Finance for Expanding
Opportunities to the Financially
Excluded Population
Association of Ethiopian
Microfnance Institutions
Ethiopian Inclusive Finance
Training and Research Institute
Omo Microfnance
Institution
Sidama Microfnance
Institution
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ABOUT THE EVENT
AEMFI organizes bi-annual conferences with a particular emphasis on the development of the microfnance sector,
and the related challenges, threats and opportunities in providing inclusive fnance. Accordingly, AEMFI organizes
the 8th biennial conference to be held on the days of October 22- 25, 2014, in collaboration with OMO Microfnance
Share co. and SIDAMA Microfnance Share co. who will be hosting the event, in Hawassa. The main theme of the
8th bi-annual conference Inclusive fnance for expanding opportunities is a real and forward looking theme. In the
conference, different papers addressing various issues of fnancial inclusion in the fnance industry in general and the
microfnance sector in particular will be presented and discussed. Moreover, member MFIs will present their perfor-
mances, challenges and the way forward. Overall, the event is aimed at sharing experiences and providing inputs to
improve the performance of the industry in general and the member institutions in particular.
STRUCTURE
The conference is expected to bring together at least 150 participants including microfnance practitioners, develop-
ment partners, researchers, academia, policy makers, bilateral/ multilateral development/donor agencies, UN agen-
cies, regional development/ fnancial agencies, technical assistance providers. Participants will have the chance to
attend presentations on various topics related to fnancial inclusion. Sessions will include presentations on a specifc
topic followed by Q&A.
KEYNOTE SPEAKERS
H.E Ato Dessie Dalke- President SNNPR
Ato Teklewoyni Asefa- Board Chair person AEMFI
Mr Makarimi Adechoubou is the head of Regional Offce for Southern and Eastern Africa UNCDF
Ato Musema Chali- CEO Omo MFI
Ato Tarekegn Bache- CEO Sidama MFI
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PRESENTERS & PANELISTS
Conference speakers and presenters range from experts in microfnance sector to academicians and re-
searchers including:
Dr Sintayehu Woldemichael- Director General Public Finance Enterprises Agency
Dr. Wolday Amha, Executive Director, AEMFI and EIFTRI
Dr Tekie Alemu, Senior Research Fellow, EIFTRI
Ato Munir Duri- CEO Kifya Technologies
Prof Badr El Din A. Ibrahim- President Microfnance Unit Central Bank of Ethiopia
Elkidir Elamin Mohammed- Enterprises and Quality Development Advisor
W/ro Etalem Engida- CEO EDC
Ata Cisse- Youth Start Technical Specialist
Ato Fentahun Admassu
Mr. Raymond Badanga- Neptune
Mr. Thierry Arthaud - CEO M.O.S.S
M.s- Isabelle Kidney- Development Advisor- ILCUF
Ato Megersa Dugasa- Lecturer in law at Ambo University, School of Law
Mr Jhon Meyer- Chife of Party GRAD Project- CARE Ethiopia
Ato Hailu Leta- CEO Agar MFI
Ato Tekeste Kife and Dr Demelash Habte
Ato Tamrat Woldegiorgis
Dr Eldaw Ahmed Mohamed
Dr Igbal Elhag
Dr Wigdan
Dr Eldaw
Ato Aderaw Gashiye
Ato Sima Gudeta- Lecturer, Haramaya University, Department of Accounting & Finance
Hiwot Abayneh
Ato Mezgebe Mihretu- Policy Analyst | Logistics, Trade and Private Sector Development (EDRI)
Ato Kenno Itana - PEPE
M.r Tony Storrow - PEPE
Ato Tamrat Ludego- Hawassa University
Temesgen Keno- Haramaya Univeristy ( PhD Candidate)
Ato Kife Tesfa Mariam Sebhatu
Ato Toli Jembere
W/ro Yerom Moges
Ato Muluneh Alemu
Ato Galta Gadena- Omo MFI
Awet Tekie and Ewenetu Feleke- ATA
Desta Gebremichael
All General Managers of MFIs
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AGENDA
Tuesday October 21, 2014
Pre-Conference Activities-Financial Literacy and Saving Mobilization in
Hawassa city by Omo and Sidama MFIs
Wednesday October 22, 2014
Time Topic Resource Persons
08:30 9:00 Am Registration
Video- MSE Experience AEMFI
9:00 10:00 Am Opening Session Moderator: Dr Wolday Amha

Welcome Speech
Ato Musema
Chali- CEO Omo MFI






Ato Tarekegn Bache-
Sidama MFI
Welcome Remarks
Ato Teklewoyni Assefa,
Board Chairperson AEMFI
Keynote Speech
Mr Makarimi Adechoubou
Head Of Regional Offce
For Southern And Eastern
Africa UNCDF
Opening Remarks- Guest Of Honor
H.E Ato Dessie Dalke
President SNNPR
Group Photograph
Guest Of Honor And
Participants
10:00 10:30 Am Tea Break
Session 1
(10:30-12:30)
Plenary Session: Savings Moderator: Dr Sintayehu
10:30-10:45
Household Saving Behavior And Determinants Of
Saving In Ethiopia
Dr. Wolday Amha
10:45-10:55 Saving Behavior and Religion Ato Fentahun Admassu
10:55-11:05
Household Access To And Determinants Of Credit In
Ethiopia
Dr Tekie Alemu
11:05-11:15 Micro Lead Experience- Mr Hemann Messan
11:15-11:35 Financial Inclusion- UNCDF Youth Start Ata Cisse
11:35-11:50
Development Of A Rural Financial Services (RFS)
Strategy For Ethiopia
Hailemelekot Teklegior-
gis and Patrick Hayden
Agriculture Transforma-
tion Agency
11:50-12:30 Discussions
12:30 1:50pm Lunch Break
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Session 2
( 1:40-3:30)
Plenary Session: Innovative Business Models in
Rural Finance
Moderator: Ato Tekle-
woyni
1:50-2:05
Inclusive Financial Service in Pastoralist area of
Southern Oromia, Afar and Somali Regions: Policy
Issues, Implementation, Challenges and Prospects
Ato Abebe Ambachew and
Ato Mulugeta Getu
Mercy Corps Prime Project
2:05-2:20 Grad- Care
Mr. John Meyer

2:20-2:30
Experience Of Rest In Linking CFIHH to MFIs
Under Grad
Ato Desta Gebremichael
2:35-2: 45
Rural Resilience By Weather Index Crop Insurance
In Tigrai-REST Experience
REST Representative
2:45-3:00 New Agricultural Input Sales System
Ato Awet Tekie and
Ato Ewenetu Feleke
Agriculture Transforma-
tion Agency
3:00-3:30 Discussions
3:30 3:50 Pm Tea Break
Session 3
(3:50-11:00)
Plenary Session: Inclusive Finance and SaCCOs
Moderator: Ato Berhane
Kidanu
3:50-4:05 Diagnostic Survey of RuSACCos Ms. Isabelle Kidney
4:05-4:15
Saving and Credit Cooperatives In Ethiopia: Devel-
opment Challenge and Proposed Intervention
Ato Kife TesfaMariam
Sebhatu
4:15-4:30
Analysis of SaCCOs Financial Services In Addis
Abeba
Ato Toli Jembere
4:30-4:40 Micro Insurance and the Underserved Ato Mezgebe Mehiretu
4:40-4:50 Financial Inclusion Reaching the Larger Population Ato Muluneh Alemu
4:50-5:00 Financial Inclusion- The Case of SNNPR Ato Galta Gadena
5:00-5:30 Discussion
Closing
6:30 Reception Welcome Dinner Reception Organized By Hawassa Municipality
Thursday October 23, 2014
Time Topic Resource Persons
Session 4
(8:30 10:20 Am)
Financial Inclusion and Entrepreneurship Moderator Dr Eldaw
Development
8:30-8:45 Short Video On SaCCOs AEMFI
8:45-9:00 Entrepreneurship Development Center W/ro Etalem Engida
9:00-9:15
The Characteristics and Determinants Of Entrepre-
neurship In Ethiopia
Dr Wolday Amha
9:15-9:30
Women Entrepreneurship Development Programme-
Results of Individual Loans to Urban Women
Ato Kenno Itana
9:30-9:50 Saving Mobilization of WEDP Implementing MFIs Mr Tony Storrow
9:50-10:00
Microfnance Industry In Ethiopia: Credit Provision
and Savings Mobilization
Ato Tamrat Ludego
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10:00-10:40 Discussion
10:40 11:00 Am Tea Break
Session5
(11:00-12:30)
Plenary Session: Sudanese Experience On
Inclusive Finance
Moderator: Dr Wolday
11:00-11:10
Microfnance in Two African Countries -Su-
dan & Ethiopia
Prof Badr El Din A. Ibrahim,
11:10-11:20
A Model Framework to Establish a Sustain-
able Microfnance Industry in the Sudan
Dr Eldaw Ahmed Mohamed
11:20-11:30
Microfnance Impact on Poverty Alleviation:
The Case of the Productive Families Projects,
Gezira State, Sudan
Dr Igbal Elhag
11:30-11:40
Impact Of Microfnance Program Of The
Agricultural Bank Of Sudan On Poverty Alle-
viation. Case Study: Edduiem Locality, White
Nile State, Sudan
Dr Wigdan
11:40-11:50 Sudanese Experience in Agriculture Finance Mr Elkhidir Mohammed
11:40-12:30 Discussions
12:30 1:50pm Lunch Break
Session 6
( 1:50-4:10)
Plenary Session: The Dynamics of MFI
Sector
Moderator: Dr Hassan
1:50-2:00
Strengthening Regulation and Supervision of
MFI Sector
Ato Megersa Dugasa
2:00-2:10 Commercialization of Microfnance
Ato Temesegen Keno and W/ro
Bethlehem Girma
2:10-2:20 Challenges and Prospects of Commercial MFI Ato Hailu Leta
2:20-2:30
Pro Poor Growth Strategy and Poverty Re-
duction In MFIs-Case of ADCSI
Ato Tekeste Kife and Dr Deme-
lash Habte
2:30-2:40
Rift Valley Farmers Willingness to Join and
Pay for Weather Index Insurance- Case of
Shashemene
Ato Tamrat Woldegiorgis
2:40-2:50 Constraints and Recent Innovation Models Ato Aderaw Gashiye
2:50-3:00
Determinants of Proftability; An Empirical
Study of Ethiopian MFIs
Ato Sima Gudeta
3:00-3:10 Performance of MFIs In Eastern Ethiopia Hiwot Abayneh
Assessment of the Contribution of Religious
Institutions On Poverty Alleviation
W/ro Yerom Moges
3:10-3:20
Pro Poor Growth Strategy and Poverty Re-
duction In Micro Finance Institutions- Case
Of ADCSI
Tekeste Kife and Dr Demelash
Habte
Discussions
3:50 4:10 Pm Tea Break
Session 7
(4:10-5:00)
Plenary Session: Technology For Inclusive-
ness
Moderator : Ato Yoseph Assefa
4:10-4:30
Innovation in MFIs: Digital Financial Ser-
vices
Ato Munir Duri
4:30-4:45 MFIs Roads to Growth and Out Reach Mr. Thierry Arthaud
4:45-5:00 MIS Solution For MFIs : Neptune Mr. Raymond Badanga
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5:00-5:30 Discussion
5:30-5:45 Closing
6:30 Reception Dinner Reception Organized By Sidama MFI
Friday October 24, 2014
Time Topic Resource Persons
Session 8
(8:30 10:30 Am)
Plenary Session-Presentation Of Member MFIs Moderator Ato Tekle-
woyni
8:30-8:45 DBE Ato Birhanu
8:45-9:05 Growth Challenges Of MFIs Dr Wolday
9:05-9:15 Amhara Credit and Saving Institutions(ACSI)
Ato Mekonnen Yelewmwos-
sen
9:15-9:25 Addis Credit & Saving Institutions (ADCSI) Ato Awash Abtew
9:25-9:35 Agar Mf S.C Ato Hailu Letta
9:35-9:45 Africa Village Financial Services S.C (AVFS) Wro. Kibre Dawit
9:45-9:55 Somali MFI
Ato Mohammed Abdurah-
man
9:55-10:05 Bussaa Gonofaa Micro Finance S.C
Ato Teshome Yohannes
10:05-10:30 Discussion
10:30 10:50 Am Tea Break
Session 9
(10:50-12:30)
Plenary Session: Continued Presentation of
Member MFIs
Moderator: Ato Tekle-
woyni
10:50-11:00 Dedebit Credit And Saving Institution S.C (DECSI) Ato Yohannes
11:00-11:10 Eshet MFI Ato Merga Bekele
11:10-11:20 Meklit Microfnance Institution S.C Ato Teshome Yiheys
11:20-11:30 Lidet MFI Ato Gebretekle
11:30-11:40 Oromia Credit And Saving Institution S.C Ato Teshome Legesse
11:40-11:50 PEACE MFI Ato Tezera Kebede
11:50-12:00 Benishangul Gumuz MFI Ato Ayanlem
12:00-12:30 Discussion
12:30 1:40pm Lunch Break
Session 10
( 1:40-3:30)
Plenary Session: Continued Presentation By
Member Mfs
Moderator:Dr Wolday
1:40-1:50 Harar MFI Ato Arif Abdulaziz
1:50-2:00 Specialized Financial And Promotional Inst. (SFPI) Ato Ambessie Chaka
2:00-2:10 SEYAMFI Ato Abraham Anbessa
2:10-2:20 Gambella MFI Ato Tut Gach
2:20-2:30 Wasasa Microfnance Institution Ato Amsalu Alemayehu
2:30-2:40 Wisdom Microfnance Institution S.C Ato Woku Tsega
2:40-2:50 Afar MFI Ato Sintayehu
2:50-3:30 Discussions
3:30 3:50 Pm Tea Break
Session 11
(3:50-11:00)
Plenary Session: Moderator : Dr Wolday
3:50-4:00 Metemamen Microfnance W/ro Wegayehu Asrat
4:10-4:20 Niser MFI Ato Dawit Wakgari
4:20-4:30 Dynamic Microfnance Institutions Ato Sileshi Hailu
4:30-4:40 Reyes MFI Habtamu
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Lewi Resort Hotel,
+251-46221443\80
+251-916313131
Hawassa, Ethiopia
4:40-5:10 Discussion
5:10-5:30 Closing
6:30 Dinner Organized By Omo
Saturday October 25, 2014
Time Topic Resource Organization
Session 12
(9:00 12:30 Am)
Experience Sharing Visits

Omo Microfnance Institution- Specifc Places TBD Omo
Sidama Microfnance Institution - Hawassa Zuria Sidama
12:30 Lunch
LOCATION
LOGISTICS
Transportation is arranged from Addis Ababa to Hawassa and back. Buses will leave Addis in the morning of October
23, 2014. The point of departure will be AEMFI building, located near Damu hotel at Bole Road
(https://www.google.com.et/maps/ms?authuser=0&dg=feature&ie=UTF8&hl=en&oe=UTF8&msa=0&msid=20528
1032398333138536.0005050fdbdea7f2ff521 ). During the conference, similar bus transport will be available from
your hotel to the conference center at Lewi Resort and back (both morning and evening). The bus leaves early morning
at 8:30 from Central Hotel and Lewi Hotel.
If you do not use these services, you will be responsible for the costs of the alternative arrangements that you make.
QUESTIONS
Please direct any questions to conference organizing team at aemfet@gmail.com or call us at +251-118960665/
+251-15572170 or +251-932515678
REMARK
Please note that the conference will be held at Lewi Resort and not at Lewi hotel.