Journal of Business & Financial Affairs

In this paper we aim to offer a primary and general view of the FRA derivative financial instrument, analyzing some of its main characteristics, presenting the development of formulas for calculating the Price of an FRA, as well as the evolution and current situation within the markets unorganized derivatives or OTC (market "Over The Counter"), ending with a brief reference on the advantages and disadvantages of the use of the instrument under study by companies to manage the risk of fluctuations in future interest rates.

Planning is required to deal with the investment before investing on the alternatives as planning is the backbone of any program while planning is the first step before deciding to do invest or not to do invest on the available investment alternatives in the market, the women investors are hardly acting rationally in making the decisions while investing. Women’s simply react on the available awareness having by them and work accordingly. the paper tries studying here the role of decision making by women investors on investment, For the fulfillment of this study the researcher has selected 100 female respondents from the district Anantnag. The study uses the percentile method etc. the paper concludes that women investors should analyze the market rate situation before investing their money or savings as the market rate rises and decreases or vice versa and female investors should look in all avenues while investing their funds. Some investments are risky, and some are not, so as per the age of investors they should decide about risky or less risky investments.

As financial inclusion is the access to get financial services such as saving, loan, insurance and others easily at an affordable cost, this study aims at examining the extent of financial inclusion in Ethiopia with special reference to Amhara region and role of banks in the financial inclusion. The extent of financial inclusion is assessed by considering three indicators to financial inclusion; having a bank account, access to loan and access to insurance. The data collected as distributed questionnaire from 124 respondents. The result access to have a bank account is high, especially for government employees who take salary through banks but still it is low for women, unemployed and selfemployed respondents, whereas access to get loan from formal financial institutions is very low and it is almost none in getting insurance services.