Abstract:
The main objective of the study was to investigate affects of credit and saving microfinance on
user’s economic improvement focusing on Busa Gonofa microfinance in Ambo district. The
design of the research was descriptive and explanatory research. Stratified sampling technique
was implemented. The data was analyzing by using descriptive statistics (frequency, mean,
standard deviation) and finally the study also used linear regression and Correlation (the
Pearson Product Moment Correlation Coefficient. The finding indicated that there is less loan
conditions and the economic improvement is lacked financial managements skill. From the
findings of the study the following points were recommended as Busa Gonofa microfinance in
Ambo district and affect of credit and saving microfinance on user’s economic improvement
advised to fund the money in the right time without delay for users the affect of credit and saving
microfinance on user’s economic improvement is advised to improve interest rate on borrow and
Busa Gonofa microfinance in Ambo district and users economic improvement is advised to
create better loan conditions for the CASMFI user.
