#Kifiya is looking for Deputy Vice President – Credit & Risk
Are you a bold, strategic leader in credit and risk management, ready to shape the future of AI-powered Uncollateralized Digital lending?
Do you have a deep understanding of digital credit underwriting, risk modeling, and fraud prevention in fintech or banking?
Do you aspire to scale alternative data-driven risk strategies that unlock financial access for millions?
Is your approach to risk proactive, data-driven, and designed to fuel growth while maintaining portfolio quality?
If this sounds like you, we want to hear from you! Join us as Deputy Vice President – Credit & Risk at Kifiya’s Intelligent Financial Services Business and be part of the next frontier in shaping digital finance.
Via #Yigermal_Meshesha
@PatternFin
Are you a bold, strategic leader in credit and risk management, ready to shape the future of AI-powered Uncollateralized Digital lending?
Do you have a deep understanding of digital credit underwriting, risk modeling, and fraud prevention in fintech or banking?
Do you aspire to scale alternative data-driven risk strategies that unlock financial access for millions?
Is your approach to risk proactive, data-driven, and designed to fuel growth while maintaining portfolio quality?
If this sounds like you, we want to hear from you! Join us as Deputy Vice President – Credit & Risk at Kifiya’s Intelligent Financial Services Business and be part of the next frontier in shaping digital finance.
Via #Yigermal_Meshesha
@PatternFin
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Pattern Finance and Investment - ፋይናንስ
NBE set to revise non-performing loan ratio amidst surge in mobile lending initiatives @PatternFin
NBE, the country’s central bank, is expected to revise the maximum ratio of non-performing loans (NPLs) for financial institutions participating in its digital lending program. Dashen Bank, a leader in mobile lending through Ethio Telecom’s Telebirr super app, is awaiting NBE’s approval to launch mobile lending on its new platform.
Currently, NBE regulations require Ethiopian banks to maintain their NPLs below 5% of their total loan portfolio. This mandate forces banks to actively manage their loan portfolios to ensure compliance.
However, banking industry analysts argue that the government should reconsider the NPL cap if it is serious about achieving its financial inclusion goals.
They suggest that the NBE is aware of the need to relax these regulations, especially for mobile lending initiatives.
Experts have mentioned that the regulatory body is reevaluating its directives in this regard.
Yohannes Million, Chief Digital and Information Officer at Dashen Bank, emphasized that mobile lending is crucial for financial inclusion and is gaining traction in Ethiopia.
He highlighted that Dashen Bank, a frontrunner in technology-driven banking and mobile lending, has disbursed over 14 billion birr in loans through Telebirr, the country’s first mobile financial services app.
Yohannes confirmed that the NBE recognizes the necessity of reconsidering the NPL cap for loans issued under mobile money programs.
He stressed the importance of expanding access to credit, stating, “One of the key reasons to increase the number of borrowers is the Telebirr scheme.”
Yohannes pointed out that while the number of bank credit accounts had stagnated at around 400,000 for many years, the figure has now surged to millions, including many with very small loans. He underlined that a society familiar with accessing credit, repaying loans, and engaging in business transactions is vital for driving economic development.
To promote greater financial inclusion, Yohannes urged the government to create a more favorable environment for the financial sector by lowering NPL requirements for tech-based microfinance schemes, as seen in other countries, including neighboring nations.
He argued that a higher NPL rate would not adversely affect the banking industry, as increased public familiarity with credit systems would lead to better repayment practices. “When the public gains experience, it becomes easier for them to use and repay credit rather than defaulting,” he explained.
Yohannes also noted that digital payment systems are increasingly used for taxes and public service payments, which reduces the likelihood of defaults. He added that individuals who fail to repay loans would be blacklisted, preventing them from accessing similar services in the future. This, he said, would encourage responsible borrowing and repayment behavior.
In addition to its collaboration with Telebirr, Dashen Bank has recently launched its own Super app, the first of its kind in the banking sector, which will also provide mobile lending services.
Yohannes stated that one of the bank’s main objectives is to encourage customers to rely more on digital platforms instead of visiting branches for their banking needs.
The Super app includes a variety of innovative banking and payment solutions, along with customer chat functionality, all designed to simplify the user experience.
“The majority of the solutions on the platform are globally competitive, and its features are cutting-edge,” Yohannes noted. He also mentioned that the app has been well-received since its launch, and Dashen Bank is committed to leading the way in introducing neo-banking services to the public.
Currently, 50% of Dashen Bank’s customers no longer visit branches duet to the convenience of its technology-based services.
Yohannes emphasized the importance of encouraging more customers to adopt modern banking systems, which have proven effective in enhancing customer satisfaction. “We aim to continue setting the standard for digital banking in Ethiopia,” he concluded.#Capital
Currently, NBE regulations require Ethiopian banks to maintain their NPLs below 5% of their total loan portfolio. This mandate forces banks to actively manage their loan portfolios to ensure compliance.
However, banking industry analysts argue that the government should reconsider the NPL cap if it is serious about achieving its financial inclusion goals.
They suggest that the NBE is aware of the need to relax these regulations, especially for mobile lending initiatives.
Experts have mentioned that the regulatory body is reevaluating its directives in this regard.
Yohannes Million, Chief Digital and Information Officer at Dashen Bank, emphasized that mobile lending is crucial for financial inclusion and is gaining traction in Ethiopia.
He highlighted that Dashen Bank, a frontrunner in technology-driven banking and mobile lending, has disbursed over 14 billion birr in loans through Telebirr, the country’s first mobile financial services app.
Yohannes confirmed that the NBE recognizes the necessity of reconsidering the NPL cap for loans issued under mobile money programs.
He stressed the importance of expanding access to credit, stating, “One of the key reasons to increase the number of borrowers is the Telebirr scheme.”
Yohannes pointed out that while the number of bank credit accounts had stagnated at around 400,000 for many years, the figure has now surged to millions, including many with very small loans. He underlined that a society familiar with accessing credit, repaying loans, and engaging in business transactions is vital for driving economic development.
To promote greater financial inclusion, Yohannes urged the government to create a more favorable environment for the financial sector by lowering NPL requirements for tech-based microfinance schemes, as seen in other countries, including neighboring nations.
He argued that a higher NPL rate would not adversely affect the banking industry, as increased public familiarity with credit systems would lead to better repayment practices. “When the public gains experience, it becomes easier for them to use and repay credit rather than defaulting,” he explained.
Yohannes also noted that digital payment systems are increasingly used for taxes and public service payments, which reduces the likelihood of defaults. He added that individuals who fail to repay loans would be blacklisted, preventing them from accessing similar services in the future. This, he said, would encourage responsible borrowing and repayment behavior.
In addition to its collaboration with Telebirr, Dashen Bank has recently launched its own Super app, the first of its kind in the banking sector, which will also provide mobile lending services.
Yohannes stated that one of the bank’s main objectives is to encourage customers to rely more on digital platforms instead of visiting branches for their banking needs.
The Super app includes a variety of innovative banking and payment solutions, along with customer chat functionality, all designed to simplify the user experience.
“The majority of the solutions on the platform are globally competitive, and its features are cutting-edge,” Yohannes noted. He also mentioned that the app has been well-received since its launch, and Dashen Bank is committed to leading the way in introducing neo-banking services to the public.
Currently, 50% of Dashen Bank’s customers no longer visit branches duet to the convenience of its technology-based services.
Yohannes emphasized the importance of encouraging more customers to adopt modern banking systems, which have proven effective in enhancing customer satisfaction. “We aim to continue setting the standard for digital banking in Ethiopia,” he concluded.#Capital
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Coca-Cola Beverages Africa (CCBA) in Ethiopia has appointed Melkamu Abebe as its new Managing Director, marking the first time an Ethiopian has held this position. #Fortune
@PatternFin
@PatternFin
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🚀 Wegagen Bank's Prospectus: 5 key Insights you may have missed!
📈 Wegagen Bank is moving toward the stock market, but the real story is in the details.
Here are key insights you may have missed:
1️⃣ No new shares - This is not an IPO
2️⃣ Fast Profit Growth
3️⃣ Slow Deposit Growth
4️⃣ Foreign Bank Challenges
5️⃣ Efoyta and Digital Banking Focus
📈 Wegagen Bank is moving toward the stock market, but the real story is in the details.
Here are key insights you may have missed:
1️⃣ No new shares - This is not an IPO
2️⃣ Fast Profit Growth
3️⃣ Slow Deposit Growth
4️⃣ Foreign Bank Challenges
5️⃣ Efoyta and Digital Banking Focus
BREAKING NEWS 🚨‼️
South African has officially suspended all American businesses within South African territory and stopped to export of minerals to the United States. 🇿🇦✂️🇺🇸
This comes just few days after Donald Trump cut off all fundings from the US to South Africa and the USAID to South Africa.
The South African government categorically made it clear to Trump that America is nothing without minerals from Africa and if he thinks Africans are nothing but mere beggars, then he should go look for minerals elsewhere because Africa is tired of the blatant d8srespect and disregard they keep getting from the Western world 🌍
The US makes over $25-billion in profits from South Africa annually. This is gonna affect both the American and South African economy very badly.
No African country has ever stood up against the United States like this 🙌
@PatternFin
South African has officially suspended all American businesses within South African territory and stopped to export of minerals to the United States. 🇿🇦✂️🇺🇸
This comes just few days after Donald Trump cut off all fundings from the US to South Africa and the USAID to South Africa.
The South African government categorically made it clear to Trump that America is nothing without minerals from Africa and if he thinks Africans are nothing but mere beggars, then he should go look for minerals elsewhere because Africa is tired of the blatant d8srespect and disregard they keep getting from the Western world 🌍
The US makes over $25-billion in profits from South Africa annually. This is gonna affect both the American and South African economy very badly.
No African country has ever stood up against the United States like this 🙌
@PatternFin
A Game-Changing Partnership!
Arts TV has officially signed a strategic partnership with ArifPay, paving the way for a groundbreaking integration of e-commerce and showbiz.
Through our flagship programs “ኩል", "ቅዳሜ ገበያ", and "እፍታ", we’re creating a dynamic platform that promotes e-commerce, digital transactions, and the creative economy, redefining the media landscape like never before.
@PatternFin
Arts TV has officially signed a strategic partnership with ArifPay, paving the way for a groundbreaking integration of e-commerce and showbiz.
Through our flagship programs “ኩል", "ቅዳሜ ገበያ", and "እፍታ", we’re creating a dynamic platform that promotes e-commerce, digital transactions, and the creative economy, redefining the media landscape like never before.
@PatternFin
👍1
የንብ ባንክ አዳዲስ የክፍያ ሥርአት ማብሰርያ መርሐ ግብር ተካሄደ የንብ ኢንተርናሽናል ባንክ ደንበኞች ሥራቸውን ለማቀላጠፍና ምቹ የክፍያ ሥርአት መፈጸም የሚያስችላቸውን ንብ አምበር ፔይ እና ንብ ፔይስትሪም የተሰኙ የዲጅታል አገልግሎት መተግበሪያዎች ማብሰርያ መርሐ ግብር ተካሄደ፡፡
@PatternFin
@PatternFin
Pattern Finance and Investment - ፋይናንስ
የንብ ባንክ አዳዲስ የክፍያ ሥርአት ማብሰርያ መርሐ ግብር ተካሄደ የንብ ኢንተርናሽናል ባንክ ደንበኞች ሥራቸውን ለማቀላጠፍና ምቹ የክፍያ ሥርአት መፈጸም የሚያስችላቸውን ንብ አምበር ፔይ እና ንብ ፔይስትሪም የተሰኙ የዲጅታል አገልግሎት መተግበሪያዎች ማብሰርያ መርሐ ግብር ተካሄደ፡፡ @PatternFin
የንብ ባንክ አዳዲስ የክፍያ ሥርአት ማብሰርያ መርሐ ግብር ተካሄደ የንብ ኢንተርናሽናል ባንክ ደንበኞች ሥራቸውን ለማቀላጠፍና ምቹ የክፍያ ሥርአት መፈጸም የሚያስችላቸውን ንብ አምበር ፔይ እና ንብ ፔይስትሪም የተሰኙ የዲጅታል አገልግሎት መተግበሪያዎች ማብሰርያ መርሐ ግብር ተካሄደ፡፡
በባንኩ ዋና መሥሪያ ቤት የካቲት 5 ቀን 2017 ዓ.ም የመተግበሪያዎቹ ሥራ ለማስጀመር በተዘጋጀው ፕሮግራም ላይ የባንኩ ዋና ሥራ አስፈጻሚ አቶ ሔኖክ ከበደ ባደረጉት ንግግር፣ “ወደ ሥራ ከሚገቡት ፕሮጀክቶች አንዱ የሆነው ንብ አምበር ፔይ በንግድ ሥራ ላይ ለተሰማሩ የባንካችን ደንበኞች ለሚሰጡት አገልግሎት ከደንበኞቻቸው የሚከፈሉ ክፍያዎችን በቀላሉ በአስተማማኝ መንገድ በመተግበር፤ ክፍያን ከመቀበያነት በተጨማሪ ደንበኞች የንግድ እንቅስቃሴያቸውን በቀላሉ በእጅ ስልካቸው የሚከታተሉበትን መንገድ ተግባራዊ አድርጓል” ብለዋል።
ሁለተኛው ወደ ሥራ የሚገባው ፕሮዳክት ንብ ፔይስትሪም የተሰኘው የአገልግሎት መተግበሪያ ሲሆን፤ በበይነ መረብ የሚደረጉ ግብይቶችን ለማቀላጠፍ ታስቦ የተተገበረ ሲሆን ይህን መተግበሪያ በመጠቀም የንግዱ ማኅበረሰብ ለሚሰጧቸው አገልግሎቶች ክፍያቸውን በኦንላይን መቀበል የሚያስችላቸው መሆኑ ዋና ሥራ አስፈጻሚው አስረድተዋል፡፡
ወደ ሥራ እየገባ ያለዉ ንብ አምበር ፔይ ለንግዱ ማኅበረሰብ ካቀረባቸው አራት የገንዘብ መቀበያ ዘዴዎች በተጨማሪ፤ መተግበሪያው ከአንድ በላይ የሽያጭ ሠራተኞች ላሏቸው የንግድ ተቋማትና ድርጅቶች ለሽያጭ ሠራተኞቹ በሚሰጥ የሞባይል መተግበሪያ ከአንድ ቋት ገንዘብ እንዲቀበሉ የሚያስችል በመሆኑ ከአንድ በላይ የሽያጭ ሠራተኞች በሚሰማሩባቸው የንግድ ቦታዎች ጉልህ ሚና እንደሚኖረው ይጠበቃል፡፡
ንብ ኢንተርናሽናል ባንክ ለትግበራ ያበቃቸው የዲጂታል ፕሮዳክቶች ዘመኑ የሚፈልገውን በተገቢው መንገድ በመረዳት፤ የደንበኞቻችን ምቾትና የሥራ ጥራት በዲጅታል ሥርዓት ለመለወጥ እየተደረጉ ያሉ ጥረቶች ከማሳየት ባሻገር በባንኩ የውስጥ አቅም በሚሠሩ የቴክኖሎጂ ሥራዎች ፍሬያማ ጉዞ መጀመሩን የሚያሳዩ እንደሆኑ አቶ ሔኖክ ጠቁመዋል፡፡
በቀጣይም ባንኩ ጥረቱን አጠናክሮ፣ አዳዲስ ቴክኖሎጂዎችን እየተከታተለ ሥራ ላይ ማዋሉን እንደሚቀጥል በሥነ ሥርአቱ ላይ ተገልጿል፡፡
በባንኩ ዋና መሥሪያ ቤት የካቲት 5 ቀን 2017 ዓ.ም የመተግበሪያዎቹ ሥራ ለማስጀመር በተዘጋጀው ፕሮግራም ላይ የባንኩ ዋና ሥራ አስፈጻሚ አቶ ሔኖክ ከበደ ባደረጉት ንግግር፣ “ወደ ሥራ ከሚገቡት ፕሮጀክቶች አንዱ የሆነው ንብ አምበር ፔይ በንግድ ሥራ ላይ ለተሰማሩ የባንካችን ደንበኞች ለሚሰጡት አገልግሎት ከደንበኞቻቸው የሚከፈሉ ክፍያዎችን በቀላሉ በአስተማማኝ መንገድ በመተግበር፤ ክፍያን ከመቀበያነት በተጨማሪ ደንበኞች የንግድ እንቅስቃሴያቸውን በቀላሉ በእጅ ስልካቸው የሚከታተሉበትን መንገድ ተግባራዊ አድርጓል” ብለዋል።
ሁለተኛው ወደ ሥራ የሚገባው ፕሮዳክት ንብ ፔይስትሪም የተሰኘው የአገልግሎት መተግበሪያ ሲሆን፤ በበይነ መረብ የሚደረጉ ግብይቶችን ለማቀላጠፍ ታስቦ የተተገበረ ሲሆን ይህን መተግበሪያ በመጠቀም የንግዱ ማኅበረሰብ ለሚሰጧቸው አገልግሎቶች ክፍያቸውን በኦንላይን መቀበል የሚያስችላቸው መሆኑ ዋና ሥራ አስፈጻሚው አስረድተዋል፡፡
ወደ ሥራ እየገባ ያለዉ ንብ አምበር ፔይ ለንግዱ ማኅበረሰብ ካቀረባቸው አራት የገንዘብ መቀበያ ዘዴዎች በተጨማሪ፤ መተግበሪያው ከአንድ በላይ የሽያጭ ሠራተኞች ላሏቸው የንግድ ተቋማትና ድርጅቶች ለሽያጭ ሠራተኞቹ በሚሰጥ የሞባይል መተግበሪያ ከአንድ ቋት ገንዘብ እንዲቀበሉ የሚያስችል በመሆኑ ከአንድ በላይ የሽያጭ ሠራተኞች በሚሰማሩባቸው የንግድ ቦታዎች ጉልህ ሚና እንደሚኖረው ይጠበቃል፡፡
ንብ ኢንተርናሽናል ባንክ ለትግበራ ያበቃቸው የዲጂታል ፕሮዳክቶች ዘመኑ የሚፈልገውን በተገቢው መንገድ በመረዳት፤ የደንበኞቻችን ምቾትና የሥራ ጥራት በዲጅታል ሥርዓት ለመለወጥ እየተደረጉ ያሉ ጥረቶች ከማሳየት ባሻገር በባንኩ የውስጥ አቅም በሚሠሩ የቴክኖሎጂ ሥራዎች ፍሬያማ ጉዞ መጀመሩን የሚያሳዩ እንደሆኑ አቶ ሔኖክ ጠቁመዋል፡፡
በቀጣይም ባንኩ ጥረቱን አጠናክሮ፣ አዳዲስ ቴክኖሎጂዎችን እየተከታተለ ሥራ ላይ ማዋሉን እንደሚቀጥል በሥነ ሥርአቱ ላይ ተገልጿል፡፡
👍1
Norway is set to become the first country to fully transition to electric vehicles
Norway, which boasts vast oil and gas reserves, has long been recognized as a global leader in sustainable transportation.
The country’s electric vehicle sales have increased from less than 1% of total auto sales in 2010 to a whopping 88.9% last year.
“This is the new normal,” Norway’s Deputy Transport Minister Cecilie Knibe Kroglund told CNBC.
#CNBC
@PatternFin
Norway, which boasts vast oil and gas reserves, has long been recognized as a global leader in sustainable transportation.
The country’s electric vehicle sales have increased from less than 1% of total auto sales in 2010 to a whopping 88.9% last year.
“This is the new normal,” Norway’s Deputy Transport Minister Cecilie Knibe Kroglund told CNBC.
#CNBC
@PatternFin
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Foreign Banks Entry.pdf
347.2 KB
How will the entry of foreign banks benefit consumers?
The entry of foreign banks promises increased competition, greater credit access, and improved services. However, risks like high fees, limited access, and complex products may require careful consideration.
Consumers must be informed, compare options, and understand product terms.
Financial planners and consumer protection bodies can offer valuable guidance. Ultimately, these changes can pave the way for a more secure and inclusive financial system.
©️Haimanot & Advocates
@PatternFin
The entry of foreign banks promises increased competition, greater credit access, and improved services. However, risks like high fees, limited access, and complex products may require careful consideration.
Consumers must be informed, compare options, and understand product terms.
Financial planners and consumer protection bodies can offer valuable guidance. Ultimately, these changes can pave the way for a more secure and inclusive financial system.
©️Haimanot & Advocates
@PatternFin
AFRICA will no longer accept to be misjudged by the scales of global credit rating agencies that overlook our reality - says Kenya’s in Ethiopia 🇪🇹.
“By relying on flawed models, outdated assumptions, and systemic bias, these agencies have painted an unfair picture of our economies, leading to distorted ratings, exaggerated risks, and unjustifiably high borrowing costs.”
“The establishment of an Africa Credit Rating Agency, backed by credible data that accurately reflects Africa’s reality, will unlock the much-needed finance to fund the continent’s development programmes and bring meaningful change to the people.”
@PatternFin
“By relying on flawed models, outdated assumptions, and systemic bias, these agencies have painted an unfair picture of our economies, leading to distorted ratings, exaggerated risks, and unjustifiably high borrowing costs.”
“The establishment of an Africa Credit Rating Agency, backed by credible data that accurately reflects Africa’s reality, will unlock the much-needed finance to fund the continent’s development programmes and bring meaningful change to the people.”
@PatternFin
Pattern Finance and Investment - ፋይናንስ
African Union launches rating agency to tackle bias by global firms
African Union launches rating agency to tackle bias by global firms
The African Union has announced the launch of its own rating agency, the African Credit Rating Agency (AfCRA), to address biases by global rating firms.
A study by the Africa Peer Review Mechanism and the United Nations Development Programme highlights that biased grading has cost Africa a staggering USD75 billion in lost opportunities.
According to Ruto, improving Africa’s rating by one notch could unlock $15.5 billion in additional funding for the continent, which could help replace a significant portion of official development assistance or be invested in Africa’s infrastructure needs.
Despite Africa’s abundant natural wealth, only two African nations are currently ranked as investment grade. “It is time for Africa to use the right scale, one that reflects its true weight,” Ruto added.
The African Union has previously criticized global rating agencies’ characterization of African economies. In January, the AU pointed out that Moody’s Ratings’ fluctuating assessment of Kenya’s outlook was flawed.
“As the continent continues its march towards economic integration and resilience, the establishment of the African Credit Rating Agency (AfCRA) represents a pivotal step in asserting Africa’s position on global financial governance.”
The agency aims to provide fair, transparent, and development-focused credit ratings that reflect the realities and potential of African economies.
The idea of creating an African credit rating agency has been in the pipeline for years. In September 2023, the AU officially announced its plans to move forward with the project.
This decision comes after repeated criticism of the “Big Three” rating agencies—Moody’s, Fitch, and S&P—accused of applying a “negative bias” when assessing African economies.
Critics argue that these ratings often lead to higher borrowing costs for African countries and, in some cases, make it harder for them to access international financial markets.
The push for an African credit rating agency indeed gained momentum in 2022 when Senegal’s former president Macky Sall, who was then chair of the AU, called for a new system to “end the injustices” faced by African countries.
@PatternFin
The African Union has announced the launch of its own rating agency, the African Credit Rating Agency (AfCRA), to address biases by global rating firms.
A study by the Africa Peer Review Mechanism and the United Nations Development Programme highlights that biased grading has cost Africa a staggering USD75 billion in lost opportunities.
According to Ruto, improving Africa’s rating by one notch could unlock $15.5 billion in additional funding for the continent, which could help replace a significant portion of official development assistance or be invested in Africa’s infrastructure needs.
Despite Africa’s abundant natural wealth, only two African nations are currently ranked as investment grade. “It is time for Africa to use the right scale, one that reflects its true weight,” Ruto added.
The African Union has previously criticized global rating agencies’ characterization of African economies. In January, the AU pointed out that Moody’s Ratings’ fluctuating assessment of Kenya’s outlook was flawed.
“As the continent continues its march towards economic integration and resilience, the establishment of the African Credit Rating Agency (AfCRA) represents a pivotal step in asserting Africa’s position on global financial governance.”
The agency aims to provide fair, transparent, and development-focused credit ratings that reflect the realities and potential of African economies.
The idea of creating an African credit rating agency has been in the pipeline for years. In September 2023, the AU officially announced its plans to move forward with the project.
This decision comes after repeated criticism of the “Big Three” rating agencies—Moody’s, Fitch, and S&P—accused of applying a “negative bias” when assessing African economies.
Critics argue that these ratings often lead to higher borrowing costs for African countries and, in some cases, make it harder for them to access international financial markets.
The push for an African credit rating agency indeed gained momentum in 2022 when Senegal’s former president Macky Sall, who was then chair of the AU, called for a new system to “end the injustices” faced by African countries.
@PatternFin
የብሔራዊ ባንክ የግምጃ ቤት ሰነድ ወለድ ከግሽበት እና ፖሊሲ ምጣኔ በላይ መሆኑን አስታወቀ
የኢትዮጵያ ብሔራዊ ባንክ የግምጃ ቤት ሰነዶች (Tbills) የወለድ ምጣኔ ላይ ከፍተኛ ጭማሪ ማሳየቱንና ለመጀመሪያ ጊዜ ከፖሊሲ ምጣኔ በላይ መሆኑን አስታውቋል፣ ይህም አዎንታዊ ምጣኔን ያመለክታል ነው የተባለው።
የኢትዮጵያ ብሔራዊ ባንክ የካቲት 6፤2017 ዓ.ም. ባሳተመው አጭር ሪፖርት መሠረት የአንድ ዓመት የግምጃ ቤት ሰነዶች የወለድ ምጣኔ በበጀት ዓመቱ መጀመሪያ ላይ ከነበረው ጋር ሲነጻጸር በ57 በመቶ ጨምሯል።
በሐምሌ ወር 10 በመቶ የነበረው ምጣኔ በስድስት ወራት ውስጥ ወደ 15.7 በመቶ ከፍ ብሏል፣ ይህም ጥር ላይ ከተመዘገበው የ15.5 በመቶ የዋጋ ግሽበት እና የ15 በመቶ የፖሊሲ ምጣኔ አንጻር ከፍተኛው መጠን ሆኖ እንዲቀመጥ ያደረገ ነው።
በቲ-ቢል ምጣኔዎች ላይ የቅርብ ጊዜ ጭማሪ የአለም አቀፋዊ የገንዘብ ድርጅት (አይኤምኤፍ ) የሚሰጠውን ምክር ተከትሎ የመጣ ሲሆን፣ ይህም ማዕከላዊ ባንክ ተጨማሪ ተጫራቾችን ለመሳብ እና ሀብት ለማሰባሰብ የሚረዳ መሆኑ ነው አይኤምኤፍ ሲገለጽ የቆየው፡፡
አሁን ላይ የተቀማጭ ወለድ ከግሽበት አንጻር በከፍተኛ መጠን ቅናሽ ያለው መሆኑ ይጠቀሳል፡፡ በተመሳሳይ የመግስት የግምጃ ቤት ሰነድ ጨረታ ላይ ማእከላዊ ባንኩ የሚቀበለው የወለድ ምጣኔ ከ10 በመቶ አይበልጥም ነበር፡፡
በመሆኑም ከፍ ያለ ወለድ የሚጠይቁ ተጫራቾች በጨረታው አያሸንፉም ነበር፡፡ ሆኖም ባለፉት ጥቂት ወራት ባንኩ ከፍ ያሉ የወለድ መጠኖችን እየተቀበለ መምጣቱ ነው የሚነገረው፡፡ #Capital
@PatternFin
የኢትዮጵያ ብሔራዊ ባንክ የግምጃ ቤት ሰነዶች (Tbills) የወለድ ምጣኔ ላይ ከፍተኛ ጭማሪ ማሳየቱንና ለመጀመሪያ ጊዜ ከፖሊሲ ምጣኔ በላይ መሆኑን አስታውቋል፣ ይህም አዎንታዊ ምጣኔን ያመለክታል ነው የተባለው።
የኢትዮጵያ ብሔራዊ ባንክ የካቲት 6፤2017 ዓ.ም. ባሳተመው አጭር ሪፖርት መሠረት የአንድ ዓመት የግምጃ ቤት ሰነዶች የወለድ ምጣኔ በበጀት ዓመቱ መጀመሪያ ላይ ከነበረው ጋር ሲነጻጸር በ57 በመቶ ጨምሯል።
በሐምሌ ወር 10 በመቶ የነበረው ምጣኔ በስድስት ወራት ውስጥ ወደ 15.7 በመቶ ከፍ ብሏል፣ ይህም ጥር ላይ ከተመዘገበው የ15.5 በመቶ የዋጋ ግሽበት እና የ15 በመቶ የፖሊሲ ምጣኔ አንጻር ከፍተኛው መጠን ሆኖ እንዲቀመጥ ያደረገ ነው።
በቲ-ቢል ምጣኔዎች ላይ የቅርብ ጊዜ ጭማሪ የአለም አቀፋዊ የገንዘብ ድርጅት (አይኤምኤፍ ) የሚሰጠውን ምክር ተከትሎ የመጣ ሲሆን፣ ይህም ማዕከላዊ ባንክ ተጨማሪ ተጫራቾችን ለመሳብ እና ሀብት ለማሰባሰብ የሚረዳ መሆኑ ነው አይኤምኤፍ ሲገለጽ የቆየው፡፡
አሁን ላይ የተቀማጭ ወለድ ከግሽበት አንጻር በከፍተኛ መጠን ቅናሽ ያለው መሆኑ ይጠቀሳል፡፡ በተመሳሳይ የመግስት የግምጃ ቤት ሰነድ ጨረታ ላይ ማእከላዊ ባንኩ የሚቀበለው የወለድ ምጣኔ ከ10 በመቶ አይበልጥም ነበር፡፡
በመሆኑም ከፍ ያለ ወለድ የሚጠይቁ ተጫራቾች በጨረታው አያሸንፉም ነበር፡፡ ሆኖም ባለፉት ጥቂት ወራት ባንኩ ከፍ ያሉ የወለድ መጠኖችን እየተቀበለ መምጣቱ ነው የሚነገረው፡፡ #Capital
@PatternFin
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