WOMEN EMPOWERMENT THROUG MICRO CREDITS THE ROLE OF SINKE BANK IN ETHIOPIA WITH SPECIAL REFERENCE TO YAYO WOREDA.

The main purpose of this study focuses on the womens who are economically empowering specially in areas of poverty minimization and health status for womensempowerment of SinkeBank saving and Credit association on rural women in the case of Yayo District Ilu Aba Bor Zone, Oromia National Regional State Ethiopia. For the purpose of this study the researcher was used both qualitative and quantitative research approachand thesampling technique to draw 270 sample were 100% respondents. Simple descriptive statistical analysis such as mean, standard deviation and percentage and inferential statistics were used to analyze the data. Results of the study revealed that the empowerment status of the Sinke Bank member sampled respondents were better than the non-member sampled respondents. As per the group of the respondents majority of the member of SB 35.6% and nonmembers of SB 60% are belongs to the age group of 15-25 years. It was defined constructed that women with young age are more likely to engage in income generating activities that enhance asset ownership and access to information, which ultimately leads to better empowerment (Kishore et al., 2004).The result has shown that marital status, dependency ratio, distances from the nearest market are found to influence women empowerment negatively. On the other hand, family size, level of formal education, years of experience in income generate, years of membership in Sinke Bank and livestock ownership were found to influence women empowerment positively. The descriptive statistics results on saving and credit use pattern of the sampled respondents of the association members showed significant changes on saving and credit uptakes. In Sinke Bank Microfinance products have created wider opportunity for members to engage in productive activities and linkage with formal MFI enhanced access to credit services. However, women empowerment cannot be attained through mere provision of microfinance as it determined by other factors indicated above and other situational factors. Therefore, programs that aiming at inducing women empowerment through microfinance needs to consider the importance of factors that affect both negatively and positively.