Microfinance for Roma in Macedonia

Business Wirtschaft & Finanzen

Microfinance for Roma in Macedonia Horizonti - Best Practices

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Ethiopia and Kenya are among the largest states in the horn of Africa in terms of both population and area. This study tries to compare the banking products between Commercial Bank of Ethiopia and some selected Kenyan commercial banks in general and specifically the Moyale area. The study has a main objective of identifing product gaps of CBE to become world class commercial bank by comparison with some Kenyan commercial banks. Specifically, the project identify bank products of some selected Kenyan commercial banks, identify CBE’s products, point out lessons learned from the Kenyan commercial banks and suggest possible products to CBE. The main focus of the study is comparing banking products of CBE and selected Kenyan commercial banks not other strategic or budgeting issues of banking activities. The information and data required for the study collected by employing field observation and secondary written documents. Both quantitative and qualitative data is gathered for the study using the above methods. The main findings of the study is the there are a differentiated products offered by the selected Kenyan commercial banks and CBE also has a unique banking products. Kenyan commercial banks have all the required features in one format that is used for deposit, withdrawal and account to account transfer and they avail indoor camera in every branch for opening saving and current account. Personal Current Account and check plus account, Ufansi Binafsi account / SME account/, Busara savings account /savings for special occasion account/, FCB Labbeyk Account / savings for Hajj/, KCB students plus /FCB Students/ Account, KCB easy pay loan /Equity Bank Flexi-Salo/, Equity Bank Equiloan /FCB check off facility/, Salary Advance, KCB Grace loan / FCB Lulu Advantage/, KCB SME Loan /FCB SME Finance/ Equity Bank SME Loan, KCB Masomo Loan / Elimika Na FCB/, School Tuition Account, FCB Boresha Mifugo and other identified product types must be introduced in the product line of CBE. This study is not the final and ultimate, there are issues to be investigated in the banking sectors of the two countries and also there are other neighbors’ banking products to be investigated.

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