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Erudite AfricaCenter of Excellence
← Gender-Sensitive Financial Services

Products, collateral alternatives and the rules

Module 05 / 5 · 65 min

Know the products that fit women, from savings and group loans to cash-flow SME loans, movable collateral and interest-free options, apply the rules on consent and non-discrimination, and redesign the Adama café loan.

In this module you will learn to

  • Explain women's savings accounts, group lending, collateral-light SME loans and interest-free options
  • Use cash-flow analysis and DSCR to judge a small business loan with thin records
  • Describe movable collateral and the Movable Collateral Registry as alternatives to land and buildings
  • Apply the rules on spousal consent, non-discrimination, board diversity and workplace equality
  • Redesign the Adama café appraisal using cash flow and movable collateral

Built on

  • Erudite Africa training module: Ethiopian Context, topic 4.f Gender-Sensitive Financial Services, Level 1 (October 2026)
  • World Bank Africa Gender Innovation Lab with the NBE: Making Ethiopia's Financial Sector Work for Women (March 2024)
  • National Financial Inclusion Strategy II (2021 to 2025), the NFIS-III refresh and the Women's Financial Inclusion Scorecard (NBE with the World Bank)
  • NBE Proclamation No. 1359/2025 and NBE directives as listed in the lessons: SBB/91/2024, SBB/72/2019, NBE/INT/13/2026, Instruction FCPED/142/26; consumer protection rules reported as FCP/01/2020
  • A commercial bank's Revised Credit Procedure Manual (August 2025), unnamed, including its references to Proclamation No. 1147/2019 and Directive MCR/01/2020

Examples and organizations are fictional. Apply your own organization's approved policies.