In Amhara region of Ethiopia, armed conflict was affecting the multiple dimensions of human life, encompassing social structures, economic systems, education access, healthcare availability, and political landscapes. This research report aimed to comprehensively analyze the socio-economic and political consequences of the ongoing armed conflict in the Amhara Region of Ethiopia, particularly in the East and West Gojjam Zones. By employing an integrated research approach, the study investigated three main themes: economic effect, social effect, and political implications. The economic aspect assessed effects on household poverty, living costs, market dynamics, and key economic sectors using poverty indices and other metrics. Social effect had been evaluated through health and education facilities, maternal and child health services, availability of medical supplies, and humanitarian costs like displacement and loss of lives. Additionally, political ramifications, including effects on democratic institutions, crime, human rights violations, and local governance structures explored properly. A stratified random sampling technique was employed. Cross-sectional household survey was conducted from 1078 urban and rural households. Data  collected through surveys, focus group discussions, key informant interviews, and document reviews in selected towns and districts within the East and West Gojjam Zones, ensuring representation of affected populations. A comparative analysis technique was used to compare the parameters before and after the ongoing armed conflict. The findings of the study revealed that the ongoing armed conflict in East and West Gojjam Zones has resulted in profound economic, social, and political consequences. Due to the conflict, households are experiencing increasing poverty as a result of unstable markets, rising living expenses, and disrupted livelihoods. Financial insecurity has increased as a result of large losses in important industries including trade and agriculture. The region's economic resilience has been further strained by the conflict's significant human and material costs. Regarding to the social effect, public health and education services have been negatively damaged by the conflict on a social level. Medical supply shortages and decreased use of maternity and child health services plague health institutions, and disruptions in education services restrict access to educational possibilities. There has been a significant humanitarian cost, with long-term social instability brought on by relocation and fatalities. Finally, in terms of politics, the war has undermined democratic institutions and systems of government. While human rights breaches continue to be a major concern, insecurity has increased due to the proliferation of crimes like looting and extrajudicial killings. The instability of local administration has complicated recovery attempts. The findings aim to deepen understanding of the conflict's effects, informing evidence-based interventions and policies for mitigating adverse effects and promoting sustainable peace and development. In order to address these effects and guarantee long-term peace and prosperity in the study area, priorities should be given to conflict resolution and peace building efforts followed by development of recovery programs such as reconstruct social services, restore economic stability, and fortify political institutions. Key Words: Armed conflict; socioeconomic effect; Political effect; Amhara Region; East Gojjam Zone; West Gojjam Zone; Ethiopia 

Multidimensional poverty, encompassing deprivations in education, health, and living standards, is a significant challenge in rural Ethiopia. Despite various development initiatives, poverty remains pervasive in the West Gojjam Zone of northern Ethiopia. This study aims to assess the extent of multidimensional poverty in this region and identify key factors contributing to the likelihood of households experiencing it.
Methods
A cross-sectional survey was conducted in the West Gojjam Zone, involving 628 rural households selected through a multi-stage sampling approach. Descriptive statistics were used to calculate the multidimensional poverty index (MPI), focusing on poverty incidence, gap, and severity. A binary logistic regression model was applied to examine the relationship between household characteristics and the likelihood of being multidimensionally poor.
Results
The study revealed that 93.95% of households in the West Gojjam Zone experience multidimensional poverty, with an intensity of 61.17% and an adjusted multidimensional headcount ratio of 57.47%. Key factors associated with a lower likelihood of multidimensional poverty include land ownership, off-farm income, year-round road access, the frequency of agricultural extension services, and access to loans. Conversely, the age of household heads is positively associated with an increased likelihood of poverty, with older household heads being more vulnerable.
Conclusions
The findings highlight that multidimensional poverty in the West Gojjam Zone is primarily driven by limited access to land, financial services, infrastructure, and agricultural support. Furthermore, older household heads are particularly at risk. To address these challenges, the study recommends policies that focus on enhancing agricultural productivity, expanding access to financial services, improving road infrastructure, and fostering non-farm income-generating activities. Strengthening agricultural extension services is essential to enhancing household resilience and reducing poverty.

Backgrounds Poverty is a complex and multifaceted global public health issue, particularly prevalent in Ethiopia,including the East Gojjam Zone. Previous studies on poverty have largely relied on unidimensional measures,providing limited evidence on multidimensional poverty (MP). Therefore, this study tried to assess the prevalenceand identify the associated factors of MP among rural households in selected woredas of East Gojjam Zone, NorthernEthiopia.Methods A community-based cross-sectional study was conducted in the fall of 2020 in randomly selectedworedas of East Gojjam zone, involving 770 rural households. Multistage cluster sampling was used, and data werecollected through structured, interviewer-administered questionnaires covering eleven MP indicators. The globalmultidimensional poverty index (MPI) was applied to assess poverty status. The multivariable partial proportionalodds model (PPOM) was employed to identify the associated factors of MP, and variables with a p-value < 0.05 wereconsidered as significant.Results Among 770 rural households considered 37.27% (25.45% moderately and 11.82% severely) of them wereclassified as multidimensionally poor. The standard of living dimension accounted for the largest contribution to MP.Household head aged, 30–45years (AOR = 1.78, 95% CI: 1.01, 3.15) and those over 45 years (AOR = 2.75, 95% CI: 1.42,5.33), weather condition(Kolla) (AOR = 1.79, 95%CI: 1.05, 3.07), experiencing drought in the preceding 12 months(AOR = 1.65, 95% CI: 1.12, 2.41), dependency ratio (AOR = 1.34, 95%CI: 1.13,1.59), and adult equivalence (AOR = 1.13,95%CI: 1.07,1.19) were more likely to experience MP. Conversely, marital status (being married) (AOR = 0.36, 95%CI:0.21, 0.64), woreda, Machakel (AOR = 0.56, 95%CI: 0.36, 0.86), Sinan (AOR = 0.53, 95%CI: 0.29, 0.95), and road accessibilityin the village (AOR = 0.55, 95%CI: 0.37, 0.81) were significantly associated with lower odds of MP among ruralhouseholds in the study area.
Conclusion: Approximately 37% of rural household’s experience moderate to severe MP, and living standardsdimension accounted for the largest contribution. Various socio-demographic, agro-ecological, and related factorshave been identified to rural MP. To address this issue, stakeholders should prioritize to promote climate-resilientagriculture and strengthening drought coping mechanisms. Furthermore, it is essential to account for the variations inpoverty levels across different administrative units and ecological zones to effectively eradicate poverty among ruralhouseholds.Keywords: East Gojjam zone, Ethiopia, Multidimensional poverty, Partial proportional odds model, Rural household

Evidence shows that financial inclusion plays a key role in driving economic growth and social development by strengthen-ing the financial system and reducing poverty and income inequality. However, its impact on the financial performance ofbanks remains inconclusive. This paper explores the relationship between financial inclusion and the financial performanceof commercial banks in Ethiopia, using a sample of 16 banks. We analyse 10 years of data (2013–2022) collected manuallyfrom the National Bank of Ethiopia (NBE) and the annual reports of commercial banks. A two-step system GeneralizedMethod of Moments (GMM) is employed, alongside other linear panel data model estimators. The findings reveal that in-creased financial inclusion has a significant positive impact on the financial performance (ROA and ROE) of commercialbanks in Ethiopia. The GMM estimation result also shows that bank performance indicators (ROA and ROE) are positivelyassociated with their past realizations. Regarding bank-specific control variables, the cost-efficiency ratio has a significantnegative impact on bank profitability. The study recommends that banks improve accessibility by expanding branch net-works and ATMs and by offering innovative financial products to enhance profitability.Keywords: financial inclusion, GMM, bank performance, Ethiopia