YMFI’s Development Finance Initiative plays a vital role in promoting financial inclusion for underserved communities. To strengthen its impact, YMFI must address key challenges in cash liquidity, training resources, and risk-sharing partnerships. By enhancing these areas, YMFI can ensure sustainable growth and effectively support Ethiopia’s marginalized groups in achieving economic empowerment. Some of the developmnet finance products are outlined as follows:

• Urban Agriculture and Innovative Product Loan: Aims to boost green initiatives and urban farming.
• Etege (Finance for Women): Targets female entrepreneurs with favorable terms, promoting gender equality.
• Eshete (Youth Loan): Empowers young entrepreneurs to establish and expand businesses.
• Disability Loan: Financial inclusion for entrepreneurs with disabilities.
• Green energy Loan: Supports sustainable energy adoption for a greener economy.
• Innovation and Startup Loan: Funds innovative and new business ventures.
• Public Association Loan;- Targeted at public associations and community-based organizations, this loan provides funding for social development projects, infrastructure, and other initiatives that  benefit the community.
• Water and Sanitation Loan;- Supporting projects aimed at improving access to clean water and sanitation facilities, this loan is ideal for financing infrastructure development, including water supply systems, toilets, and wastewater treatment plants.
• Idea Financing;- This loan targets entrepreneurs and innovators who need financial backing to turn their ideas into viable businesses, supporting startups and innovative projects that encourage creativity and economic growth.

• Targeted Product Suite: Diverse products meeting specific customer segments and supporting financial inclusion.
• Alignment with Core Values: Commitment to service quality, transparency, and ethical operations.
• Established Partnerships: Strong partnerships with Ethiopian Women and Social Affairs Ministry, CARE Ethiopia, SNV, and others supporting financial inclusion initiatives.

• Ethiopian Women and Social Affairs Ministry: A core partner supporting financial inclusion for women and disabled individuals.
• CARE Ethiopia: Partnership focused on economic empowerment through sustainable financial products.
• SNV: Collaborates with YMFI to address financial needs in agriculture and other sectors.
• Work Unit of Disabled (Under the Ethiopian Women and Social Affairs Ministry): Provides specialized support for disability-inclusive financial services.