Published On: Wed, Aug 7th, 2013

Ethiopia: First Commercial Micro Finance Institution to Start Operation

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BY YOSEPH MEKONNEN, 4 AUGUST 2013

financeNisir Micro Finance Institution (NMI), which is currently under formation, is set to join the country’s financial sector by mid-December, 2013. It will be the first market-oriented micro finance institution in the country.

After three years of preparation, NMI plans to become operational with a paid – up capital of 15 million Br. This is far greater than the 200,000 Br minimum requirement, set by the National Bank of Ethiopia (NBE), for establishing a micro finance institution. To achieve this, the company floated 15,000 shares with a par value of 1,000 Br each, starting from May 2013.

Ethiopia’s formal financial sector, which are comprised of banks, insurance firms and micro finance institutions meets only a fraction of the demand for financial services, according to Michael Addisu, project manager and lead promoter for NMI.

Currently, the 33 Micro Finance Institutions (MFIs) operating in the country meet only about 20pc of the demand for financial services, according to the annual report published by the NBE.

This is in spite of a relatively long history of the formal establishment of MFIs in Ethiopia, which spans more than 15 years. The first group of MFIs were established in early 1997, following the issuance of proclamation by the central bank.

The huge gap between the supply and demand led to the formation of NMI, whose focus is to provide a need-based and swift credit facility, Michael told Fortune.

“Collateral will not be our pre-requisite for giving credit, rather our main concern will be a viable feasibility study,” he claimed.

Part of the shares floated from May 22, 2013 onwards, have already been subscribed and paid by both individual and institutional shareholders, according to Michael. However, he declined to disclose the number of shares sold so far.

The remaining shares will be floated for the public up until September 30, 2013.

The delivery of micro finance services is one of the most effective instruments in increasing access to financial services in the country, according to a financial expert who served as a manager of one of the MFIs operating in the country for seven years. This, according to the expert, could only be realised by developing capable and suitable micro finance institutions with market oriented policies and strategies.

Unlike all the financial institutions established after the sector was liberalised 20 years ago, most MFIs are operating in line with the government plan of insuring food security, reducing poverty and increasing employment. This is especially true in rural areas, said the expert.

“This strategy, which goes against the principle of a free market, deprived the low income urban population from receiving a tailored service,” he added.

Opening up the entire financial services industry to local private equity participation resulted in the establishment of 18 privately owned banks, 16 private insurance companies and 33 micro finance institution, up to June 2013.

However, organisers of NMI, who are experts in the field with experience in various commercial banks operating in Ethiopia, as well as the World Bank, with some of them serving as consultants in the banking sector, have a strategy to deliver tailored services to the urban population.

NMI is planning to offer high interest rates for depositors, ranging from eight to 12pc. This is much higher than the five percent interest rate paid by most of the commercial banks operating in the country, to depositors. However, the lending interest rates for long-term credit will be 18pc a year, with a monthly two percent rate for short-term borrowing. This is greater than the average lending interest rate of nine percent.

NMI decided this in order to enable the Institution to offer unique micro finance services for the public, according to Michael.

Up until the 2011/12 fiscal year, all the MFIs operating in the country mobilised 3.8 billion Br in the form of voluntary and compulsory savings. The total outstanding loan disbursed reached seven billion Birr. The total assets of these institutions and the total number of active clients also reached 10.2 billion Br and 2.7 million, respectively.

Michael and most of the promoters of the Institution are hopeful of beginning operations within the next five months.

Operations will start only after the NBE reviews and approves the Institution’s establishment process, according to Michael.

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