The study was conducted on microfinance institution in DECSI Maichew branch with primary objective of Assessment of Credit Management at branch level. Specifically the study was focus on credit policy in the institution, loan utilization, training mechanism, loan administration or follow up, clients visit, and measures to be taken for default to repay the loan at repayment schedule, sufficiency, training and collection of credits, the repayment period mostly used by customers, presence of follow up & supervision, purpose, agreement of loan and group lending. In this study both primary and secondary source of data was used and also used both open & close end questionnaires and structured interview to collect data from the employee, customers and management body of the institutions. Additionally the researcher was use proportionate stratified sampling technique to select customers and census technique to select employee because this avoids bias among respondents and enable to get relevant information from each and every employee and management body of DECSI. And also the researcher used descriptive method of data analyzing.

The traditional African society had at its heart the community-based value. The individual was looked at as part and parcel of the community. His welfare was everyone’s concern. That is to say, the individual existed because the community existed as John Mbiti would say “I am because we are, since we are therefore I am” (Mbiti, 1969). The traditional African societies lived a communal life in that every individual cared for his neighbor’s needs regardless of the family, clan, ethnic group or tribe the neighbor belonged to. If any problem befell anyone in the community, it was up to the whole community to deal with it. The situation however changed with the colonial era, as Westerners invaded Africa. The harmony, love, care, respect and every virtue which characterized the traditional African societies was tempered with, giving away such unethical practices as individualism, corruption, nepotism, tribalism and the like. By allowing the individualistic spirit to creep in their societies, the contemporary African nations have thus taken up a face, as it were, that is not African, an identity far different from what Africa ought to be. This article sets out to argue that it is with this neocolonialistic individualism in mind that some African thinkers came up with Ubuntu philosophy to remind their fellow Africans of their lost traditional values which made Africa what it really is: a communalistic society.

Electronic waste or E-waste is generally an unusual expansion to the regularly developing dangerous waste stream. E-waste incorporates an extensive variety of discarded electronics devices like, computers, office electronic equipments, entertainment device, mobile phones, television sets and circuit boards etc. These electronic goods are made of plenty of components which may contain toxic heavy metals as, Lead, Cadmium, and Arsenic etc. These heavy metal gets accumulated in the soil and leaches into the surrounding environment .The  dumping of this substance into the environment cause many harmful effects to the living organism. In the present study bacteria was isolated from E-waste contaminated soil. The isolates were found to be Gram positive, Rods.