The study looked at how well people in a credit union in Ethiopia paid back their loans over the past ten years. They used both numbers and interviews to gather information. The results showed that while loan repayment got better over time, there was a big gap between the amount of money planned, given out, and actually paid back starting in 2015. The researchers found that not having enough qualified staff, members not knowing how to run a business well, and political problems were the main reasons why people struggled to pay back their loans. To fix this, they suggest hiring better staff, training members on how to use credit wisely, and giving them more support.