AVMF provides various loan products, including group-based loans (urban and rural), micro and small enterprise loans, consumption loans, business loans, housing loans, and climate financing loans. Interest rates vary by product, with business loans at 23% annually, agricultural and consumption loans at 26%, and climate financing loans at 20%. A service charge of 3% applies to all loans. Repayment terms range from 3 months to 15 years, depending on the loan type, with short-, medium-, and long-term options available.

Clients can open a voluntary savings account with a minimum initial deposit of Birr 50, which allows them to save flexibly and earn 8% annual interest. Compulsory savings, on the other hand, are tied to loan eligibility and serve as collateral in case of default. AVMF also offers time deposit accounts with higher interest rates ranging from 8.5% to 14% depending on the term and amount. These savings services promote financial discipline, provide a secure place for funds, and improve loan access based on savings history.

AVMF is actively working on expanding its digital financial services. While the company currently has limited digital offerings, it is in the process of launching mobile banking services and enhancing its online presence. Future plans include online loan applications, digital payments, and agent banking services. AVMF collaborates with fintech partners like Elswick, Craft Silicon, and AEMFI to accelerate its digital transformation, especially to serve clients in rural and urban areas more efficiently.

AVMF plans to expand significantly over the next five years by increasing its branch network from 17 to 36 and opening 16 sub-branches. The company is also developing digital financial services, including mobile banking, and aims to introduce new financial products such as labor financing loans, equipment leasing, and Water, Sanitation & Hygiene (WASH) products. These initiatives are part of AVMF’s commitment to increasing financial inclusion and service accessibility across Ethiopia.

AVMF primarily targets low- and medium-income individuals who lack access to traditional banking services. This includes women, unemployed youth, farmers, petty traders, and small business owners. The company also serves micro, small, and medium enterprises (MSMEs). AVMF offers a wide range of financial services such as group and individual loan products, voluntary and compulsory savings accounts, micro credit life insurance, local money transfers, advisory support, and developing digital financial solutions.

Yes, AVMF offers both group and individual lending. Group loans rely on social collateral, meaning group members collectively guarantee each other's loans. For individual loans, clients are required to provide fixed or physical collateral such as property, vehicles, salary guarantees, share certificates, or savings. This dual approach allows for flexibility and accessibility based on client needs and financial backgrounds.

Yes, AVMF is regulated by the National Bank of Ethiopia (NBE) under the Microfinance Business Proclamation No. 626/2009 and its amendment No. 1164/2019. To ensure compliance, AVMF maintains robust internal audit and risk management systems, submits regular reports to regulators, and follows detailed operational policies. Staff receive ongoing training to remain updated on regulatory requirements, reinforcing a strong culture of transparency and accountability.

To manage loan defaults, AVMF employs a combination of compulsory savings, group guarantees, and penalties for late payments (2.5% per month). If repayments are not made within 90 days of non-performance, legal action is initiated. In cases of natural disasters, loans may be rescheduled. Loans past due for more than 365 days are written off. The company also monitors and improves portfolio quality by aiming for a Portfolio at Risk (PAR) below 5% and a Current Repayment Rate (CRR) of at least 97%.

Customers can provide feedback or resolve complaints by first contacting the Customer Relation Officer (CRO) at their local branch. If the issue remains unresolved, it can be escalated to the Branch Manager, and further to the Internal Audit and Risk Management team for serious concerns. AVMF follows a structured approach to handling complaints, which includes listening, recording, investigating, resolving, and following up to ensure customer satisfaction and transparency throughout the process.