http://hdl.handle.net/123456789/4479 Wed, 15 Apr 2026 10:26:57 GMT 2026-04-15T10:26:57Z http://hdl.handle.net/123456789/6498 Title: The Contribution of Community Based Health Insurance (CBHI) in Improving Access and Utilization of Healthcare Services: The Case of Adea District, East Shoa Zone, Oromia Region, Ethiopia Authors: Abebe, Zelalem Abstract: The purpose of this study is to examine the contribution of Community Based Health Insurance (CBHI) in Adea District in improving access to modern healthcare and providing financial protection to CBHI member households. The district has 29,062 households out of which 26,156 are eligible for CBHI membership. Currently 12,341 households are enrolled in the CBHI scheme. Health insurance coverage rate in the district is 45%. The government provides support to the scheme in the form of providing targeted and general subsidies, covering operational expenditures, and providing leadership and technical support. The community is also involved in the governance system of the schemes by participating in the general assembly and board. The study used binary logistic regression model to see if there is a difference in access to modern healthcare and exposure to catastrophic health expenditure. The sample size for the study was 280. The overall response rate was 96.43 percent. The study covered 126 CBHI member households and 144 non CBHI member households. The analysis found significant positive effects of health insurance coverage in improving access of households to modern healthcare services (OR= 2.533). It is established in this study that CBHI member households in Adea Woreda are more likely to use health care services than non CBHI member households in the same Woreda. It also established that households with health insurance coverage have reduced chance of being exposed to catastrophic health expenditures (OR = 0.271). Members of Adea CBHI scheme were provided effective protection against catastrophic health expenditure. Thu, 01 Mar 2018 00:00:00 GMT http://hdl.handle.net/123456789/6498 2018-03-01T00:00:00Z http://hdl.handle.net/123456789/6497 Title: THE IMPORTANCE OF ACTUARIAL PRACTICE IN ETHIOPIA Authors: HAILEMARIAM, TAMERAYHU Abstract: Actuarial practice is concerned with the assessment of the economic consequences associated with phenomena that are subject to uncertainty. This practice requires an understanding of the principles underlying several fields, including statistics, economics and risk management, as well as the principles of modeling, valuation and risk classification. Accepted Actuarial Practice is a practice or practices that are generally recognized within the actuarial profession as appropriate to use in performing actuarial services within the scope of an international standard of actuarial practice or the applicable professional standards of practice. The main objective of the study is to analyze and determine the importance of actuarial practice in Ethiopia; and to give recommendations based on the findings. The study concentrated on the importance of actuarial practice as it applies to the Ethiopian insurance and financial sectors. The study mainly examines the importance of actuarial practice, the role of actuaries and actuarial firms, and the role of actuarial regulatory regime within the context of the Ethiopian insurance and financial sectors. The study is conducted within the framework of descriptive research. Both primary and secondary sources of data are used. The secondary data is collected by desk review and analysis of secondary data is used to produce theoretical findings that substantiate the research objectives. Primary data, on the other hand, is collected with mixed method involving both quantitative and qualitative methods. Survey method is applied with combination of structured questionnaire and semi structured key informants interview as tools of data collection. The findings derived from analysis of secondary data theoretically confirmed the importance of actuarial practice in Ethiopia. Similarly, the findings produced as the result of analyzing primary data practically validated the importance of actuarial practice in Ethiopia. Based on the findings of the study, actuarial practice is determined to be very important in Ethiopia. Actuarial practice is important in the Ethiopian insurance and financial sectors and contributes significantly to the development of the sectors. Actuaries, actuarial firms and the actuarial regulatory regime play an important role in promoting actuarial practice in the international domain. However, their limited roles in promoting the practice in Ethiopia resulted in a poor and underdeveloped actuarial practice observed in the country, which in turn become one of the major reasons behind the country’s underdeveloped insurance and financial sectors. Tue, 01 May 2018 00:00:00 GMT http://hdl.handle.net/123456789/6497 2018-05-01T00:00:00Z http://hdl.handle.net/123456789/6496 Title: Analysis of Factors Determining the Performance of Micro Enterprises: The case of Kemisie Town on Technical and Vocational Enterprise development office (TVED) Authors: Motuma, Ahmed Sun, 01 Apr 2018 00:00:00 GMT http://hdl.handle.net/123456789/6496 2018-04-01T00:00:00Z http://hdl.handle.net/123456789/6495 Title: IMPACT OF CHILDFUND’S BASIC EDUCATION PROGARME ON ACADEMIC PERFORMANCE OF GRADE NINE STUDENTS IN BUEE SECONDARY AND PREPARATORY SCHOOL, BUEE TOWN, SODO WOREDA Authors: ARAGAW, ABEBE Abstract: The overall objective this research was to measure impact of ChildFund-Ethiopia‘s education program on academic performance of grade nine students in Buee secondary and preparatory school, Buee Town, SodoWoreda of Guraghe Zone, SNNPR. The sampling strategy employed in this study was both random and purposive sampling. One school out of four secondary schools in the Woreda selected randomly and then a purposive sampling technique was employed to select sample students from the selected school in the program area. The sample students were purposively selected from a population of 589 secondary school students in Buee secondary school that were enrolled in the ninth grade during the 2017–2018 academic years. In total, the size of the sample includes 120 students (57 Program participants and 63 non program participants) and their families which is around 20% of the sample population. The study focused on grade nine students‘ first semester scores; the scores for this class are based on a single school that is standardized across the students. Besides; other questions were prepared and asked to create variables to control for other observed factors that might be expected to affect academic performance of each student. The first includes the following student-level characteristics: gender, age, whether or not they were student cadres (club leaders) etc. The second include characteristics on students‘ parents and family: the total number of household members, the educational attainment of each parent, and the household‘s income level Based on the analysis of both descriptive statistic and inferential statistics, there are evidences supporting the significant positive impact of ChildFund support in improving the academic performance of grade nine students in the study area.  The performance of grade nine students is better in ChildFund supported schools than in the comparison non-support schools as observed in the previous academic mean performance (Grade five to Eight) 65.41 with SD 13.14 and 60.32 with SD 12.33 respectively. In other words, a typical student from a ChildFund support school does have a better academic performance compared to a typical student in a control nonsupport school in general.  The mean scores of the first semester grade nine students under study are 62.14 with SD 11.74 and 57.75 with SD 11.98 for program participants and non-program participants viii respectively, which are by and large greater than the expected minimum of 50% for the sample students participated in the study.  The PSM estimation result shows that participation in ChildFund basic education program had brought a significant impact on students‘ academic performance in the study area on both the general sample students and on the treated students. The estimated ATE of participation on the average score of grade nine students was 5.4. Thus, the average score if all students were to participate in ChildFund basic education program would be 5.4 more scores than the average that would occur if none of the students had participated.  On the other hand the estimated ATET of participation on the average score of grade nine students was 6.98. Thus the average students in the treated group will take 6.98 more score than it would if it did not participate in ChildFund basic education program. Tue, 01 May 2018 00:00:00 GMT http://hdl.handle.net/123456789/6495 2018-05-01T00:00:00Z