I was refused to access any credit services from different financial institutions because I am a handicapped and not in position to present credit guarantee. I discussed with two of my friends and formed a micro and small enterprise. Siinqee Bank (former Oromia Credit & Saving S.C.) considered us in its job creation lending program, and financed our proposal. We now run our own business with which we are able to create job opportunities for other 2 individuals

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