Digital financial services offer safe ways to store, transfer, and accumulate money, bridging the gaps in financial inclusion and promoting economic growth. Through digital financial channels, they are becoming more available and affordable to all individuals and businesses, promoting financial inclusion. Digital financial services have made financial inclusion possible, yet financial exclusion still exists as a serious issue in many developing countries, hindering economic development and perpetuating poverty. Thanks to digital financial services, financial institutions can provide convenient self-service credit and saving products. Simple, quick digital processes are taking the place of time-consuming, traditional lending and saving processes, which enhances the digital client experience. The government of Ethiopia is undertaking digital transformation to boost the economy and create a conducive environment for financial inclusion. Digital adoption, payment offerings, ease of regulation, and a growing fintech community are key drivers of digital transformation. CBE should leverage its potential in digital financial services and customer transaction data to expand micro saving and lending offerings to become a digital leader. 2. Product features A. Micro saving It is a saving platform that allows customers to save money using their mobile phones without visiting branches and filling forms. Customers can deposit at ordinary or fixed or target account and grow their money with a better interest rate. With the designed micro saving schemes, CBE Birr customers shall deposit at ordinary saving with the prevailing interest rate or generate better interest rate through depositing at target and fixed accounts. B. Micro loan It is an instant loan offered through mobile phones for eligible CBE Birr customers based on credit scoring solution. Every process is to be done on the phone, from loan application to loan approval and paying the loans and then the loan is instantly credited to the customer’s CBE Birr account after the necessary approval is done through the credit scoring solution. It is convenient, reliable, and cost-effective form of credit that allows the borrowers to curve their liquidity challenge. Customers are not expected to fill forms and to visit branches, rather through click on the phones customers can get instant loans. The loan is to be repaid within a month at 7% cost of credit/facilitation fee. However, customers can repay the loan before the due date and borrow again and their loan limit qualification will increase as per the scoring solution criteria. If the customer fails to repay the loan as per the schedule (within a month), the repayment will be extended for an additional 30 days and charged an additional facilitation fee of 7% plus 2% penalty charge per month on the outstanding loan balance. Similar pattern will continue until 90th day in which the loan will be categorized in to NPL. Second phase products Going forwa

1. HOW YOUR
BUSINESS
DEGREE CAN
MAKE YOU $$$
Know now, so you don’t pay later!

2. OVERVIEW
• ALL ABOUT THE BUSINESS MAJOR
• BUSINESS VS. ECONOMICS
• TAKING APPROPRIATE CLASSES
• MAKE YOURSELF STAND OUT FROM THE CROWD
• CAREER INFORMATION

3. BUSINESS : THE MOST POPULAR MAJOR
• WEALTH OF PROGRAMS BUT ALSO A WEALTH OF COMPETITION
NATIONAL CENTER FOR EDUCATION STATISTICS found that
over 364,000 business majors graduated in 2015. Business
was the most common field of study for every racial and ethnic
group.

4. THE SCHOOLS WITH THE HIGHEST EARNERS
DATA FROM PAYSCALE
School Name Early Career Median Pay Mid-Career Median Pay
U.C.-Berkeley $75,000 $136,000
Georgetown University $63,300 $136,000
Santa Clara University $70,500 $124,000
Georgia Tech $60,200 $122,000
Babson College $58,500 $122,000
SUNY - Albany $44,800 $122,000
University of Pennsylvania $72,200 $121,000
Notre Dame $67,700 $121,000
Loyola University (MD) $56,500 $121,000
Southern Methodist University $58,000 $120,000

5. THE DIFFERENCE BETWEEN ECON AND
BUSINESS

6. CLASSES TO PREPARE YOU FOR BUSINESS
• Microeconomics
• Macroeconomics
• Single variable calculus (one-year sequence)
Note: Students are encouraged to take the STEM version but some UC business administration
programs may allow non-STEM calculus. Please check individual campus links.
• Statistics
• Introduction to business (including finance)
• Financial accounting
• Managerial accounting
• English reading and composition (2 courses)
TIP: FINISHING THESE EARLY MAKES YOU MORE COMPETITIVE

7. CLASSES TO PREPARE YOU FOR ECONOMICS
• Microeconomics (one course)
• Macroeconomics (one course)
• Single variable calculus (one-year sequence)
Note: Students are encouraged to take the single variable calculus
sequence for STEM majors to keep their options as open as possible for
undergraduate and graduate school alternatives.

8. PROGRAMS AT THE UC –
BUSINESS ADMINISTRATION
• UC BERKELEY – Business Administration B.S.
• UC IRVINE- Business Administration B.A.
• UC RIVERSIDE – Business Administration B.S. (TAG 3.2 GPA)

9. PROGRAMS AT THE UC-
RELATED MAJORS
• UC SANTA CRUZ - Business Management Economics B.A.
• UC MERCED -Management and Business Economics B.S. (TAG 2.8 GPA)-
Econ 1 & 2 ; math 7
• UC DAVIS- Managerial Economics B.S. – Housed in the College of Agricultural
and Environmental Sciences (TAG 3.2 GPA)
• UC LOS ANGELES- Business Economics B.A.

10. UC Berkeley
Students
Transfer
Students
Applications Received 840 1919
Eligible Applicants N/A 736*
Offers of Admission 269 104
Entering Class Size 267 92
Average GPA 3.68 3.87
Middle 80% GPA Range 3.34-3.96 3.63-4.00
Average Age 20 23
Age Range 19-23 18-57
Underrepresented Minorities 12.36% 20.65%
Women 50.19% 50.00%
Undergraduate Class HAAS - Entering Fall 2018
*1183 applicants did not show planned completion of the admission
requirements and were considered ineligible. Of the 736 eligible applicants,
104 (14.13%) were offered admission.

11. Haas Supplement by January 31st
• The Supplement includes a self-reported academic record,
additional essay question and resume
• Applicants who fail to submit a complete Haas Supplement
by the January 31st deadline will be denied

12. Private Institutions –Business Degrees
• LMU – Must complete math 28 with a B or higher
• TAG with a minimum of 30 transferable units and a 3.5 GPA while attending school
full-time
• USC – Business Calculus or Calculus
• Non-business majors can also take up to 20 units of Business/Accounting
coursework
• Can minor in business and related fields
• Pepperdine -Business Administration –math 28
• Accounting -International Business -Contract-design own program

13. TRANSFER REQUIREMENTS FOR YOUR SCHOOL
• UC and CSU WWW.ASSIST.ORG
• Articulation agreements with other colleges
http://www.smc.edu/StudentServices/TransferServices/AreasofStudy/
Pages/GE-Patterns-and-Agreements-with-Other-Universities.aspx
• Examples for non articulated colleges
https://admissions.upenn.edu/admissions-and-financial-
aid/preparing-for-admission/transfer-admission/wharton-school-
transfer
• http://www.babson.edu/admission/undergraduate/transfer-
students/Pages/application-requirements.aspx

14. HOW TO STAND OUT FROM THE CROWD
• HAVE A SPECIALIZATION
• INTERNSHIPS AND WORK EXPERIENCE
• SUMMER PROGRAMS AND INVOLVEMENT
• TAKE CODING/PROGRAMMING CLASSES

15. BASE –SUMMER PROGRAM AT UCB
• 3 COURSES AT UCB IN HAAS SCHOOL OF BUSINESS
• OPPORTUNITY TO VISIT INDUSTRIES AND NETWORK
WITH PROFESSIONALS
• DESIGNED FOR CURRENT COLLEGE STUDENTS OR
STUDENTS WHO HAVE RECENTLY GRADUATED
• $9,500

16. STAND OUT FROM THE CROWD
• “A study by the Brookings Institution analyzed the market value of the
25 most commonly cited skills listed by alumni of each college in their
LinkedIn profiles. It demonstrated that skill development, not your
undergraduate major or the college you choose, is most critical to your
earnings potential” (Washington Post, 2017).

17. • YOU DON’T NEED A BACHELOR’S IN BUSINESS
• GMAT- Graduate Management Admission Test
• APPLICATIONS TO MBA PROGRAMS ARE
DECLINING