The study looked at how different factors affect the repayment of agricultural loans in Finoteselam town, Ethiopia. They surveyed 200 households and found that having a larger family size, unexpected expenses, and using loans for oxen fattening made it less likely for individuals to repay their loans. However, participating in off-farm work and having longer loan terms increased the likelihood of repayment. To improve loan repayment, it's important for microfinance institutions to supervise clients and prevent loans from being used for personal expenses. Additionally, promoting family planning, creating insurance options, and improving job opportunities could help boost loan repayment rates in the area.