14/08/2026
Transforming Lives Through Access to Finance: The Story of Tayiba.
Tayiba lives in Mokona Chafe Kebele of Agarfa District in Bale Zone. A widowed mother of four, Tayiba has faced many challenges in providing for her family. Despite these hardships, she has shown remarkable determination to build a better future for her children.
Through the Mass Youth Employment in Apiculture (MaYEA) Program, Tayiba gained access to financial services that helped her begin her entrepreneurial journey. With support from the program, she received a loan through Kifiya Financial Technology, facilitated by the Cooperative Bank of Oromia. This opportunity marked a turning point in her life.
Tayiba started small by constructing a sheep shed with an initial investment of 4,000 ETB. Within three months, she purchased 10 sheep worth 50,000 ETB. Her efforts quickly began to pay off. She later sold seven of the sheep for 70,000 ETB, generating a profit that allowed her to expand her business.
Determined to grow further, Tayiba reinvested 40,000 ETB into bull fattening. After successfully raising the bull, she sold it for 95,000 Birr. Currently, she is fattening another steer that she purchased for 50,000 ETB. Her livestock business has continued to grow, and she now owns 21 sheep with an estimated total value of over 200,000 ETB.
Reflecting on the changes in her life, Tayiba says: “Had it not been for the support of the MaYEA program in facilitating a loan for me, my children and I would have been desperate and still dependent on my brothers. I am grateful to SOS Sahel Ethiopia for all the support. This success has given me hope to secure my future, educate my children, strengthen my livelihood, and become independent and self-confident.”
In addition to expanding her livestock business, Tayiba has also started saving. Through her Village Economic and Social Association (VESA) group, she has saved 5,000 ETB, which she considers an important step toward financial security.
Tayiba is also engaged in beekeeping. She currently owns two modern and five traditional hives. However, honey production has been limited due to excessive chemical use in the area and prolonged dry seasons that reduce nectar availability. Despite these challenges, she remains hopeful that a favorable season will allow her to generate additional income from apiculture.
Today, Tayiba’s story demonstrates how access to finance, combined with determination and hard work, can transform the lives of rural women. With growing assets, savings, and renewed confidence, she is steadily building a more secure and hopeful future for herself and her children.
The MaYEA program in the area is facilitated by SOS Sahel Ethiopia led by IIRR.