ADMAS UNIVERSITY BISHOFTU CAMPUS

FACULTY OF BUSINESS

DEPARTEMENT OF BUSINESS MANAGEMENT

INTERNISHIP REPORT WORKED IN BUSA GONOFA

MICROFHNANCE INISTITUTION(BGMFI) OF ETHIOPIA
LOCATED IN BISHOFTU CITY.

FIELD ATTAICHEMENT PERIOD JULY 20_SEPTEMBER 20,2024

PREPARED BY :GEMECHU BEYENE

ID NO:0527/21

SUBMITTED TO:DEPARTEMENT OF BUSINESS MANAGEMENT

SUBMISSION DATE:SEPTEMBER,2024

BISHOFTU,ETHIOPIA
 ACKNOWLEDGEMENTS

First and foremost, I would like to express my sincere gratitude of Buusaa Gonofaa MFI
Company, for giving me the opportunity to intern at such a prestigious organization. His
guidance and mentorship throughout my internship were invaluable and have significantly
contributed to my professional growth. I am truly grateful for the trust he placed in me and for
providing me with a platform to learn and develop my skills.

I would like to thank management of Busa Gonofa Microfinace Institution for allowing me the
use of necessary resources to accomplish my prace. Let my especial thanks goes to all
employees of BG who assist me in interviewing respondents, encoding and analyzing the
practical work. I wish to express my great thanks to my lovely family who were encouraging and
energizing me to accomplish the graduating program.

I would also like to extend my appreciation to Ms. Habtamu, the HR manager, for her continuous
support and encouragement during my time at BGMFI Company. Her constructive feedback and
positive reinforcement motivated me to strive for excellence in all my tasks. I am grateful for her
patience and willingness to impart her knowledge and experience to help me succeed.

Furthermore, I would like to thank Mr. Banti my direct supervisor, for his guidance and
mentorship throughout my internship. His expertise in the field and willingness to share his
knowledge have been instrumental in shaping my understanding of the industry. I am grateful for
his patience, support, and constructive criticism, which have helped me improve my skills and
capabilities.

Lastly, I would like to express my gratitude to all the staff members at BGMFI Company for
their warm welcome and willingness to help me acclimate to the workplace. Their support and
camaraderie created a positive and nurturing environment that allowed me to thrive and make the
most of my internship experience. I am truly thankful for the opportunity to work with such a
talented and dedicated team. Let God be with you all the time.

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 ACRONYMS

ASCAs-Accumulating Saving and Credit Associations

AEMFI-Associations of Microfinance Institution

BG-Busa Gonofa

BG MFI- Busa Gonofa Microfinance Institution

LPF-Loan Performer

LCH-Life Cycle Hypothesis

MIS-Management Information System

MoFED-Ministry of Finance and Economic Development

NBE-National Bank of Ethiopia

PIH-Permanent Income Hypothesis

RoSCAs-Rotating Saving and Credit Associations

SHGs-Self-Help Groups

SSA-Sub Saharan Africa

SPSS-Statistical Package for Social Scientists

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 Abstract

Like many other MFIs in Ethiopia and elsewhere Busa Gonofa Micro-finance Institution (BG
MFI) is a credit driven organization. After experiencing delivery of micro-credit service for more
than a decade, the organization commenced delivery of saving service to the public since the
year 2012. Much is not well understood about saving behavior of clients of the organization
which is the basis of delivery of the services. Therefore, the purpose of this study is to assess
saving behavior of clients of BG MFI from different perspectives; including demographic, socio-
economic, and institutional.. it has been noticed that clients with higher income had quite higher
saving balances than those with little income groups.

BG needs to create more access privilege to the many un-served low income households through
physical expansion of branch offices or other innovative mechanisms such as mobile banking
and agent banking models. The organization shall increase the scope of its door-step marketing
strategy to promote its service to the public at large as many are not well aware about
microfinance institution in general and BG MFI in particular. The association of microfinance
institution (AEMFI) might play a role in promoting MFIs and their services to the public through
the use of different media

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 TABLE OF CONTENTS
ACKNOWLEDGEMENTS ............................................................................................................. i
ACRONYMS .................................................................................................................................. ii
Abstract .......................................................................................................................................... iii
PART:ONE ..................................................................................................................................... 1
INTRODUCTION ...........................................................................................................................1
1. 1 Background of Buusaa Gonofaa Microfinance Institute(BGMFI) .................................. 1
1. 2. The main product or services .......................................................................................... 4
1. 3. The main customers or end users of product and service ................................................ 4
1. 4. Mission,Vision,Core Values and Goal of BGMFI .................................................................. 6
1. 5. Structure of BGMFI ........................................................................................................ 8
PART:TWO ...................................................................................................................................11
MY INTERNISHIP EXPERIENCE ...................................................................................... 11
2.1 Description of internship experience: ......................................................................................11
2.2 Challenges Faced: ....................................................................................................................11
2. 3 why do you select BGMFI company? .............................................................................12
2.4 Section in Working .......................................................................................................... 13
i. Loan Departement ...................................................................................................................... 13
ii. Audits ........................................................................................................................................ 13
iii. Taking Traning for new customer ............................................................................................13
2. 5 Risk management framework ......................................................................................... 14
2.6 SWOT analysis of the organization ................................................................................. 15
PART:THREE ...............................................................................................................................17
THE OVERALL BENEFITS GAINED FROM THE INTERNISHIP .........................................17
PART:FOUR ................................................................................................................................. 18
CONCLUSION AND RECOMMENDATIONS ..........................................................................18
4.1 CONCLUUSION ............................................................................................................. 18
4.2 RECOMMENDATION OF THE ORGANIZATION .....................................................18
REFERENCE ................................................................................................................................ 20
 PART:ONE

INTRODUCTION

1. 1 Background of Buusaa Gonofaa Microfinance Institute(BGMFI)

Buusaa Gonofaa Microfinance, according to (Otero, 1999) is “the provision of financial services
to low income poor and very poor self-employed people”. These financial services include
savings and credit but can also include other financial services such as insurance, transfer of
payment services and remittances. Schreiner and (Colombet, 2001) define microfinance as the
attempt to improve access to small deposits and small loans for poor households neglected by
banks. Therefore, microfinance involves the provision of financial services such as savings,
loans and insurance to poor people living in both urban and rural areas and who are excluded to
obtain such services from the formal financial institutions.

The formal sector like banks, MFIs, cooperatives and postal savings banks has only alimited
capacity to meet the savings needs of the poor, thus absence of formal savingsservices results in
the “financial exclusion” of the larger population. In that regard, informal savings prove the
savings potential of the low-income people who use them and the unmet demand for savings
services (Moulick, Guwahati, and Assam, 2008). On the other hand (Gugerty, 2003) argues that,
it is largely invisible to the formal sector because majority of poor people in developing
countries save informally and offers insight into some of the potential behavioral constraints on
savings. For instance, in Ghana, poor households pay for “susu” collector who travels to
individual home or businesses every deposits.

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Micro-finance in Ethiopia and elsewhere in the globe focused mainly on delivery of micro-credit
services to the financial excluded low income population. Regardless of the prudential regulatory
framework of Ethiopia which allows deposit-taking MFIs to mobilize savings from the public,
immediately after getting the permission or a licensefrom NBE, MFIs focuses on credit delivery
than saving. In line of this (Wolday and Tekie 2014), stated that “in the last two decades, the
government, donors, banks and microfinance practitioners in Ethiopia focused on the delivery of
credit and failed to focus on the provision of saving services for a number of reasons” Busa
Gonofa Microfinance institution is founded in 1999 as profit making Share Company. It is
licensed by the National Bank of Ethiopia as non-bank financial institution with a deposit-taking
mandate. Since 1999, BG offers solidarity group-based and individual loans and savings services
to low-income households considered ‘unbankable’ by conventional banks, (BG MFI strategic &
business plan, and 2014). Similar to many other Microfinance institutions, BG MFI had been
focusing on the provision of efficient credit service to low income households in rural and pre-
urban area.

BGMFI, introduced saving products in 2012 after a decade plus experience in credit only
services. The organization aims to provide tailored saving products to the financial need of its
traditional target market, the low income household group of the community. As stated in
(Strategic business plan of BG MFI, 2014), BG’s target customers are individuals from low-
income households who are not in economic positions to access financial services from formal

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banks. The majority of BG’s targets are women micro-operators in both rural and urban areas,
landless youth engaged in offfarm income generating activities and smallholder farmers with
diversified livelihood activities (on-farm and non-farm). Providing safe and accessible saving
services to low income households marginalized from access to formal finical services is the
primary objectives of BG MFI in offering micro-deposit service (Strategic business plan of BG
MF.

The organization is also aiming to mobilize stable large lump sum money that would serve as
alternative funding sources to be used in expansion of credit services to the large number of low
income households According to , although banks, MFIs and financial cooperatives in Ethiopia
offer savings products to households, little has been done to systematically study the relative
merits of different product designs and saving mobilization strategies of financial intermediaries.
Likewise, BG MFI also lacks sufficient strategy to be executed to mobilize massive saving that
would help in achieving its social and business goals. Regardless of the effort made to design
multiple saving products and its delivery mechanism, no effort has been done by the organization
in studying the saving behavior of clients. It is assumed as clients have more or less
homogeneous saving behavior. However, several studies indicate that households’ saving
behaviors is influenced by multiple factors including demographic, socioeconomic and cultural
dimensions (Han and Sherradan, 2009).

Therefore, the purpose of this study is to assess saving behavior of clients of BG MFI from
various perspectives; specifically from demographic, socio-economic and institutional
dimensions. The findings of the study would assist the organization in reshaping its saving
mobilization strategy and providing saving services tailored to specific need of various
categories of households.

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1. 2. The main product or services

The main product and service of Buusaa Gonofaa Microfinance is to provide financial services to
low-income individuals and small businesses in rural areas of Ethiopia. Specifically, the
institution offers:

1. Microloans: small loans to individuals or small businesses for specific economic activities
such as buying farm inputs, purchasing agricultural products, etc.

2. Group loans: small loans to groups of borrowers who share a common goal or project.

3. Payment services: money transfer, electronic invoicing, mobile money transfer, etc.

4. Savings services: a savings account to deposit money and earn interest with low interest rates.

5. Educational/training services: workshops, training, and educational programs to empower

women, men and youths through learning skills needed in life, education and business
empowerment training for women in income generation.

6. Advisory services: training education and guidance as well on small-scale and farm-based
investments.

These services are designed to improve the living standards of low-income individuals and small
business owners, by providing them with the necessary financial and technical assistance to start
and manage their businesses.

1. 3. The main customers or end users of product and service

The main customers or end-users of the products and services offered by Buusaa Gonofaa
Microfinance Institute (BGMFI) are:

1. Low-income individuals: individuals who live in poverty and have limited access to financial
services.

2. Small business owners: entrepreneurs who run small businesses and require access to
financial services to grow their businesses.

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3. Farmers: agricultural producers who require access to financial services to purchase inputs,
equipment, and other necessary resources to improve their agricultural productivity.

4 women and youth: who are disproportionately affected by poverty and lack access to financial
services.

5. Rural communities: rural communities that have limited access to financial services and
require access to financial services to improve their economic well-being.

Specific customer segments:

1. Microentrepreneurs: individuals who operate small businesses and require access to

financial services to grow their businesses.

2. Small-scale farmers: farmers who operate small farms and require access to financial
services to purchase inputs and equipment.

3. Agricultural workers: workers who are employed in the agricultural sector and require
access to financial services to improve their economic well-being.

4. Unemployed individuals: individuals who are unemployed and require access to financial
services to start or expand their businesses.

Target market:

1. Rural Ethiopia: BGMFI's target market is rural Ethiopia, where poverty and lack of access to
financial services are prevalent.

2. BGMFI targets low-income communities in rural Ethiopia, where poverty and lack of
access to financial services are most prevalent.

3. Agricultural communities: BGMFI targets agricultural communities in rural Ethiopia, where

agriculture is a primary source of income and poverty is prevalent.By targeting these customer
segments and markets, BGMFI aims to improve the economic being of low-income individuals
and small business owners, and to reduce poverty in Ethiopia.

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1. 4. Mission,Vision,Core Values and Goal of BGMFI

Mission

The mission of BGMFI is to provide financial services to low-income individuals and small
businesses in rural areas of Ethiopia, with a focus on women and other marginalized groups. Our
mission is to:

1. Provide access to financial services to low-income individuals and small businesses in rural
areas of Ethiopia.

2. Promote economic growth and improved livelihoods for rural communities.

3. Empower women and other marginalized groups to participate in the economy and take
control of their financial lives.

4. Foster financial inclusion and ensure that all members of rural communities have access to
financial services.

Vision

The vision of BGMFI is to be a leading microfinance institution in Ethiopia, providing financial

services to low-income individuals and small businesses in rural areas of Ethiopia.

Our vision is to:

1. Transform lives by providing access to financial services and promoting economic growth and
improved livelihoods for rural communities.

2. Empower women and other marginalized groups to participate in the economy and take
control of their financial lives.

3. Foster financial inclusion and ensure that all members of rural communities have access to
financial services.

4. Be a model for other microfinance institutions in Ethiopia and Africa, demonstrating best
practices in microfinance and financial inclusion.

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Core Values

Our core values are:

1. Empowerment: we believe in empowering women and other marginalized groups to

participate in the economy and take control of their financial lives.

2. Inclusion: we believe in fostering financial inclusion and ensuring that all members of rural
communities have access to financial services.

3. Sustainability: we believe in providing financial services that are sustainable and have a
positive impact on the lives of our customers.

4. Integrity: we believe in conducting our business with integrity and honesty, and in maintaining
the trust of our customers and stakeholders.

5. Accountability: we believe in being accountable to our customers and stakeholders, and in

providing financial services that meet their needs and exceed their expectations.

Goals

Our goals are:

1. To provide access to financial services to 10,000 low-income individuals and small businesses
in rural areas of Ethiopia by the end of 2025.

2. To increase the number of women who participate in the economy and take control of their
financial lives by 20% by the end of 2025.

3. To increase the number of rural communities that have access to financial services by 50% by
the end of 2025.

4. To increase the total loans disbursed to our customers by 20% by the end of 2025.

5. To increase the total savings collected from our customers by 15% by the end of 2025.

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1. 5. Structure of BGMFI
The structure of Buusaa Gonofaa Microfinance Institute (BGMFI) is as follows:

Corporate Structure:

1. Board of Directors: The Board of Directors is responsible for overseeing the overall direction
and strategy of BGMFI.

2. Chief Executive Officer (CEO): The CEO is responsible for the day-to-day operations of
BGMFI and reports to the Board of Directors.

3. General Manager: The General Manager is responsible for the overall management of
BGMFI and reports to the CEO.

4. Department Heads: Department Heads are responsible for specific departments within
BGMFI, such as loans, savings, and deposit accounts.

Department Structure:

1. Loans Department: The Loans Department is responsible for granting loans to qualified
borrowers.

2. Savings Department: The Savings Department is responsible for accepting and managing
deposit accounts.

3. Deposit Accounts Department: The Deposit Accounts Department is responsible for

managing transactions related to deposit accounts.

4. Marketing Department: The Marketing Department is responsible for promoting BGMFI's

products and services to potential customers.

5. Information Technology (IT) Department: The IT Department is responsible for

maintaining BGMFI's computer systems and ensuring that they are secure and functioning
properly.

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Staff Structure:

1. CEO: The CEO is the head of the organization and reports to the Board of Directors.

2. General Manager: The General Manager is responsible for the overall management of
BGMFI and reports to the CEO.

3. Department Heads: Department Heads are responsible for specific departments within
BGMFI and report to the General Manager.

4. Senior Officers: Senior Officers are responsible for managing specific areas within each
department and report to the Department Heads.

5. Officers: are responsible for the day-to-day operations of each department and report to the
Senior Officer.

Branches:

1. Head Office: The Head Office is located in Addis Ababa and serves as the main branch of
BGMFI.

2. Regional Branches: BGMFI has several regional branches located throughout Ethiopia, each
serving a specific region.

3. Branches: BGMFI has several branches located within each region, each serving a specific
district or town.

Supervision and Control:

1. Board of Directors: The Board of Directors oversees the overall direction and strategy of
BGMFI.

2. Auditing Committee: The Auditing Committee is responsible for ensuring that BGMFI's
financial transactions are accurate and compliant with regulations.

3. Risk Management Committee: The Risk Management Committee is responsible for

identifying and managing risks within BGMFI.

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4. Internal Audit: is responsible for ensuring that BGMFI's internal controls are in place and
functioning properly.

This structure ensures that BGMFI is organized and managed in a way that allows it to
effectively provide financial services to its customer.

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 PART:TWO

MY INTERNISHIP EXPERIENCE

Internship Name:Buusaa Gonofaa Microfinance Institute (BGMFI)

Internship Duration:July2024 to September 2024

Internship Location:BGMFI Head Office, Bishoftu, Ethiopia

2.1 Description of internship experience:

During my internship at BGMFI, I had the opportunity to gain hands-on experience in the
microfinance industry. I was assigned to the Loans Department, where I assisted in the loan
administration process and conducted customer interviews.

Key Takeaways:

1. Loan Administration Process: I learned the ins and outs of the loan administration process,
including loan application review, credit assessment, and loan approval.

2. Customer Interviews:I had the opportunity to conduct customer interviews and gather
financial data for loan application review.

3. Microfinance Industry: I gained a deep understanding of the microfinance industry,

including the products and services offered, target market, and industry trends.

4. Teamwork: I worked closely with the BGMFI team, including loan officers, accountants,
and customer service representatives.

2.2 Challenges Faced:

1. Limited time:I had limited time to complete tasks and projects during my internship.

2. Resistance to change: Some employees at BGMFI were resistant to change, which made it
challenging to implement new ideas and processes.

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3. Limited resources: I had limited access to resources, including data and information, which
made it challenging to complete tasks and projects.

2. 3 why do you select BGMFI company?

some reasons why I would select BGMFI as an internship company:

Reason 1:Mission and Values

BGMFI's mission to provide financial services to underserved populations and its values of
honesty, fairness, and transparency align with my own values and passions. I am impressed by
the company's commitment to community development and its efforts to make a positive impact
on the lives of individuals and families.

Reason 2: Industry Experience

As a microfinance company, BGMFI operates in a rapidly growing and dynamic industry that
offers many opportunities for innovation and growth. I believe that this industry experience will
be valuable in helping me to develop my skills and knowledge in the field of finance and
economics.

Reason 3: Learning Opportunities

As a intern at BGMFI, I will have the opportunity to work in a fast-paced and dynamic
environment and to learn from experienced professionals in the field. I am excited about the
prospect of working on real-world projects, analyzing data, and developing my skills in financial
analysis, marketing, and operational management.

Reason 4: Development Opportunities

BGMFI offers a range of development opportunities, including training and mentorship

programs, that will enable me to grow and develop as a professional. I am impressed by the
company's commitment to investing in its employees and to helping them to achieve their full
potential.

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Reason 5: Company Culture

BGMFI has a positive and supportive company culture that values teamwork, innovation, and
collaboration. I am impressed by the company's commitment to creating a work environment that
is inclusive, respectful, and supportive of all employees.

Reason 6: Career Opportunities

As a intern at BGMFI, I will have the opportunity to work in a company that offers a range of
career opportunities, including full-time positions, graduate programs, and international
assignments. I believe that this is an attractive feature of the company and that it will enable me
to grow and develop my career in a rapidly changing industry service.

2.4 Section in Working

During my interniship period,I was working in different section Like;

i. Loan Departement

ii. Audits

iii. Taking Traning for new customer

Why I chose : Loans Department:

I chose to work in the Loans Department at BGMFI because I was interested in gaining
experience in the microfinance industry, particularly in the areas of loan administration and
credit assessment. I believed that this section would provide me with the opportunity to learn
about the different types of loans offered by BGMFI, such as agriculture loans, business loans,
and personal loans.

Responsibilities:

✓As a Microfinance Intern in the Loans Department, my responsibilities included:

✓Assisting loan officers in the loan application process

✓ Processing loan applications and conducting credit assessments

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✓Analyzing financial data and income statements to determine creditworthiness

✓Developing and implementing strategies to reduce loan delinquency rates

Audits/Internal controls

* The Audit section provides assurance that financial statements and information are accurate,
reliable, and compliant.

* Regular audits help to detect and prevent errors, improve financial management practices, and
identify areas for improvement.

* The Audit section contributes to good governance, stakeholder confidence, and compliance
with relevant laws and regulations.

* Accurate and reliable financial information supports informed decision-making and risk
management.

Taking Traning for new customer Service

Taking training for new customer section is important at BGMFI for several reasons:

 Improving Customer Service

 .Enhancing Product Knowledge

 .Building Customer Relationships

 .Reducing Turnover

 .Improving First-Contact Resolution (FCR)

2. 5 Risk management framework

some potential risks that BGMFI may face:

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Operational Risks:

1. Technology failures: BGMFI's technology infrastructure is critical to its operations, and a

failure could disrupt lending processes and affect customers.

2. Security breaches: BGMFI's customer data and financial information are a target for hackers,
and a breach could compromise sensitive customer information.

3. Compliance risks: BGMFI must comply with various laws and regulations, and non-
compliance could result in fines, penalties, and reputational damage.

Credit Risks:

1. Loan defaults: BGMFI faces the risk of loan defaults, where customers fail to repay their
loans as agreed.

2. Credit quality: BGMFI's credit quality is vulnerable to changes in the economic environment,
which could impact customers' ability to repay their loans.

3. Collateral risks: BGMFI uses collateral as security for its loans, but the value of the collateral
may not be sufficient to cover the loan amount.

**Most of to manage or control Risks**

✓By scheduling

✓By Deliquent loan repayment

2.6 SWOT analysis of the organization

1.Strengths of the organization

 Strong brand reputation

 Wide reach

 Diversified product offerings

 Experienced management team

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2.Weaknesses of the organization

 Limited digital capabilities

 High operational costs

 Limited geographic reach

 Dependence on government subsidies

 Risk of counterfeit products

3.Opportunities

 Expanding into new markets

 Digital transformation

 Partnerships and collaborations

 Increasing revenue through cross-selling

 Improving efficiency through technology

4.Threats

 Competition from digital lenders

 Regulatory changes

 Economic instability

 Risk of market saturation .

This SWOT analysis provides a comprehensive overview of BGMFI's strengths, weaknesses,

opportunities, and threats, and can be used as a starting point for strategic planning and decision-
making.

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 PART:THREE

THE OVERALL BENEFITS GAINED FROM THE

INTERNISHIP

In general I have gained the following important and benefits,which are:

1. Gain work experience: The internship provided the intern with valuable work experience and
exposure to a real-world work environment.

2. Build professional network: The internship helped to build the intern's professional network
and establish connections in the industry.

3. Develop skills and knowledge: The internship helped to develop the intern's skills and
knowledge in areas such as marketing, finance, and operations.

4. Enhance resume: The internship helped to enhance the intern's resume and prepare them for
future job opportunities.

5. Gain confidence: The internship helped to gain confidence and self-assurance in the intern's
abilities and skills.

6. Exposure to industry trends: The internship provided the intern with exposure to industry
trends and the competitive landscape.

7. Obtain certifications or recognition: The internship potentially provided the intern with
certifications or recognition in their field.

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 PART:FOUR

CONCLUSION AND RECOMMENDATIONS

4.1 CONCLUUSION

In conclusion, BGMFI's internship program was a resounding success, providing both the
organization and the intern with valuable benefits and gains. The program helped to improve
BGMFI's efficiency and effectiveness, while also providing the intern with a chance to gain
valuable work experience and build their skills and knowledge., BGMFI's internship program
has been a significant success, providing both the organization and the intern with valuable
benefits and gains. We highly recommend that BGMFI continues to invest in its internship
program and expands it to reach more stakeholders in the industry.

4.2 RECOMMENDATION OF THE ORGANIZATION

:From my little knowledge what I have some recommendations as follows

1. Continue to provide scholarships: BGMFI should continue to provide scholarships to talented

interns from diverse backgrounds.

2. Expand internship opportunities: BGMFI should expand its internship opportunities to reach
more stakeholders in the industry, including students, recent graduates, and professionals.

3. Develop a formal internship program: BGMFI should develop a formal internship program
with clear goals, objectives, and evaluation criteria.

4. Provide ongoing support: BGMFI should provide ongoing support to its interns, including
mentorship, training, and networking opportunities.

5. Monitor and evaluate: BGMFI should regularly monitor and evaluate its internship program to
ensure its effectiveness and make necessary adjustments.

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Future Directions:

In the future, we recommend that BGMFI considers the following:

1. Partnerships and collaborations: BGMFI should consider partnerships and collaborations

with other organizations, including universities, research institutions, and community groups, to
expand its reach and impact.

2. Capacity building: BGMFI should invest in capacity building to strengthen its internal
systems and processes, including its human resources, management, and governance.

3. Research and development: BGMFI should invest in research and development to stay at the
forefront of best practices.

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 REFERENCE

hptts://www.bgmfi.com

hpptt://repository.smuc.ed.et

the interview;informations from organizations

the daily activities

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