Wolkite University Institutional Repository (WKU-Repo)
Advancing Knowledge, Transforming Lives
Wolkite University’s Institutional Repository is an open-access platform dedicated to collecting, preserving, and disseminating the scholarly outputs of our academic community. This repository reflects our commitment to advancing knowledge and fostering global collaboration by showcasing research that drives innovation and societal transformation.
Additionally, visit the Wolkite University Library at elibrary.wku.edu.et (available locally) to explore resources and advance your knowledge.
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Recent Submissions
ASSESSMENT OF BUDETARY PERFORMANCE (CASE STUDY EZHA WEREDA FINANCE IN GURAGHE ZONE)
(WOLKITE UNIVERSITY, 2025-08) ZERIHUN SEID
The establishment of effective budgetary performance is important for every organization in order to achieved its objectives and future plan of action. This research is conducted to the assessment of budgetary performance in Gurage zone ezha wereda finance organization. The objective of the study is to assess the budgetary performance and identify any problems which affect its effective implementation of budget in general. In collecting data the researcher used both primary and secondary source of data. The primary data collected from questionnaire and through interview. The secondary source of data collected from reference books, internet and also used the four year budget report of the organization. The sample used for this research were simple random sampling techniques .The data analysis would be carried out based on tabulation and percentage method and interpreted accordingly .During the study major limitations like shortage of finance, lack of sufficient written materials from the organization & shortage of time. Finally summary, conclusion and recommendation on alternative sources usage are forwarded to combat the possible solution.
ASSESSMENT OF LIQUID ASSET MANAGEMENT PRACTICE (IN CASE OFAWASH BA
(WOLKITE UNIVERSITY, 2025-08) YORDANOS FIKREMARIYAM
The term liquid asset management is one of the most fundamental topics in the field of corporate finance. It refers to the firm’s investment in inventory, accounts receivable, cash and liquid securities, all of which constitute shortterm assets. This study would attempt to examine the assessment of liquid asset management practices in the case of Awash Bank in Emdebir !branch. One of the major problems of financial institution was improper management of liquid asset which were have greater impact for the survival of the company, because of liquidity problem. This bank engages in provide different kinds of financial service like domestic and international banking service. The study would attempt to address the research questions having attention in the statement of the problem and objective of the study. The main objective of the study was to assess the liquid asset management technique, the bank policies and procedure to manage liquid asset, loan authorization and collection. The research design was descriptive type. More over primary data from the bank was collected. The primary data sources were from interview. The respondents of interview were selected with non-probability sampling using judgmental sampling. The respondents were finance (liquid) assets manager and credit manager of the bank. The data from sources were analyzed and interpreted using table, figure and Percentage. Based on the analysis and finding, conclusions and recommendation were made
The Assessment of Challenges and Prospect of Mobile-banking in the Commercial Bank of Ethiopia in the Case of Joka Branch in Wolkite town
(WOLKITE UNIVERSITY, 2025-08) YESHIHAREG TESHOME
Mobile banking is a developing mobile technique that has combined information technology and commerce applications together. Since mobile banking was introduced, consumers have been able touse it to obtain special services 24 hours a day without having to visit the traditional bank branch for personal transactions. Even though in their efforts of introducing new ways of reducing cost, modernizing the banking system, adoption of new technologies and trying to develop the mbanking outreach, there are stillmajor challenges hindering m-banking systems from fully functioning andbeing effective and efficient regarding reaching its stated goals in commercial banks of Ethiopia. This study adopted Mixed research approach which is both qualitative and quantitative. The design of thestudywas descriptive type. Inorder to undertakethe study,theresearcher used probabilityand non- probability sampling design, purposive sampling for the employees and simple random sampling to select respondents. 15 employees and 38 users were selected totaling the sample size 53. In order to collect sufficient data so as to answer the research questions the researcher used data collection instrument like; questionnaire to get quantified results. In this study structurally designed questionnaire was used. Which included both close-ended and open ended questions which helped the respondents express their views deeply? The relevant information was obtained in a standard form using tables, frequencies and percentagestoanalyzeandinterprettheinformation.ThefindingsofthestudyrevealedthatadoptionanddevelopmentofM-bankingtechnologyinsomeCBE Joka branch stretches wide across the two extremes of the challenges and prospects where the concerted effort by stakeholders to overcome the challenges will bring about immense opportunities to the dominant players in the field with the ultimate result. The Bank should create deep awareness to community concerning the M-banking products they offer and the benefits associated with using M- banking services through advertising their products and services on the internet, mass media as well as through organizing public exhibition, universities and talk shows. Besides, the bank should attract the communitytousethetechnologybydiverseincentivecampaigns.Thisway,customers’interestwouldbearoused
ASSESSEMENT OF CREDIT RISK MANAGEMENT PRACTICE: THECASEOFDASHEN BANK, GUBRE BRANCH.
(WOLKITE UNIVERSITY, 2025-08) YEABSRA TIGISTU
Credit risk management has become an important topic for financial institutes, especiallysincethe business sector of financial services is related to conditions of uncertainty. The turmoil of thefinancial industry emphasizes the importance of ef ective risk management practices. The purpose of this study was assessing the practice of credit risk management at DashenBankS.C., Gubre branch, particularly in light of the bank's performance amid financial uncertainties. A descriptive research design was employed to provide a clear assessment of current credit riskmanagement practices. The study utilized a mixed-methods approach, integratingbothqualitative and quantitative research techniques to derive comprehensive insights into the issue. The population of the study consisted of ten employees from the credit department includingmanagers and twenty-five credit customers, who are the whole available customers andhaslong-term relationships with the bank. This census allowed for an in-depth exploration of credit management perceptions. Primary data were collected via questionnaires, containing both closed and open-endedquestions, and through structured interviews with bank employees. Bank’s internal documentsand records, providing context on branch performance and customer demographics. Dataanalysis was conducted using SPSS software for quantitative data, while qualitative responseswere analyzed using content analysis to identify key themes. The results indicate a significant gap in the bank's credit risk management practices; althoughpolicies are in place, they are not ef iciently integrated with the bank's overall strategy, resultingin instances of loan defaults. Major findings suggest that while the bank possesses soundcredit risk policies, the execution and monitoring of these practices need improvement. Based on the findings, it is recommended that Dashen Bank enhance its credit management byestablishing well-defined credit criteria, implementing a robust review process for credit riskmanagement strategies, and striving to dynamically adjust practices according tocritical influencing factors to improve overall performance and competitiveness in the market
ASSESSMENT OF LIQUID ASSET MANAGEMENT PRACTICE: (THE CASE OF COMMERCIAL BANK OF ETHIOPIA, WOLIKITE BRANCH)
(WOLKITE UNIVERSITY, 2025-08) WORKU ALEMAYEHU
The term liquid asset management is one of the most fundamental topics in the field of corporate finance. It refers to the firm’s investment in inventory, accounts receivable, cash and liquid securities, all of which constitute short-term assets. This study would attempt to examine the assessment of liquid asset management practices in the case of commercial bank of Ethiopia wolikite branch . One of the major problems of financial institution was improper management of liquid asset which were have greater impact for the survival of the company, because of liquidity problem. This bank engaged in providing different kinds of financial service like domestic and international banking service. The study would attempt to address the research questions having attention in the statement of the problem and objective of the study. The main objective of the study was to assess the liquid asset management technique, the bank policies and procedure to manage liquid asset, loan authorization and collection. The research design was descriptive type. More over both primary and secondary data from the bank was collected. The primary data sources were from interview, while secondary data includes the two years audited financial statement or annual reports. The respondents of interview were selected with non probability sampling using judgmental sampling. The respondents were finance (liquid) assets manager and credit manager of the bank. The data from both sources were analyse and interpreted using table, figure and percentage. Based on the analysis and finding, conclusions and recommendation were made.