Masters of Business Administration (MBA)

URI for this collectionhttps://rps.wku.edu.et/handle/987654321/110

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AL WOLKITE WOLKITE, ETHIOPIA i ASSESSING THE CHALLENGES OF YOUTH ENTREPRENEURS IN AND SMALL ENTERPRISES : IN THE CASE OF GURAGE ZONE. MURAD JEMAL KEMAL WOLKITE UNIVERSITY WOLKITE, ETHIOPIA JUNE, 2020 ENTREPRENEURS IN MICRO GURAGE ZONE
(WOLKITE UNIVERSITY, 2020-06) MURAD JEMAL KEMAL
the main objective of this study was to assess the challenges of youth entrepreneur in Gurage zone. For the sake of achieving the objective of this study questionnaires were analyzed using statistical analyses such as descriptive analyses. Moreover, the study utilized cross-sectional in the sense that all relevant data was collected at a single point in time. The respondent youth entrepreneurs were selected using stratified sampling technique from a target population of 384 youth entrepreneur in MSE. The information gleaned through questionnaires from a sample of 184 youth entrepreneurs and face- to- face interviews were conducted with 9 key informants in MSE offices. Beside this the interview questions were analyzed using descriptive narrations. The empirical study elicited the main challenges of youth entrepreneurs in Gurage zone, which include: economic challenge (infrastructure, lack of premises, lack of market, lack of networking, lack of finance lack of managerial skill); lack of training, legal/administrative challenge and socio-cultural challenges. Training challenge take the leading position of severity followed by legal/ administrative challenges, economic challenges and socio cultural challenges respectively. Based on the findings of the study youth entrepreneurs should make lobbies together to the concerned government officials by forming entrepreneurs associations. Besides this, youth entrepreneurs in MSEs should search for other alternative supporting agents rather than relaying only on MSE offices in improving their performance and solving problems. Furthermore, MSE offices should also facilitate training with stakeholders and discuss with municipalities and other administrative bodies to make youth entrepreneur’s owners of working premise (land), facilitates finance and solve other challenges of youth
ASSESMENT OF THE PRACTICE OF BUSINESS DEVELOPMENT SERVICES (BDS) IN GURAGE ZONE
(WOLKITE UNIVERSITY, 2022-09) ABDULFETANEGASH
Business development services as one mechanism of enterprises development have been thought of as a wide array of non-financial services designed to help small and micro enterprises to overcome barriers and increase their profitability and contribution to job opportunity creation by improving their performance. The overall objective of this study was to assess the practice of Business Development Services in the case of Guraghe zone Administration. The study used an explanatory and Descriptive research design with purposive and Area (clusters) sampling technique. The population of the study would consisted BDS facilitators, BDS co-coordinators, BDS providers & Micro Enterprises managers (BDS users) of Guraghe Zone Business Development Services, specially (Wolkite, Butajira, cheha, Enor and Kebena). The finding of the research shows that, a total of 340 (95.2%) BDS facilitators, BDS co-coordinators, BDS providers & Micro Enterprises managers (BDS users) out of 357 respondents were participated in the study. In addition to this, 8 Focus Group Discussion (key Informants).The chi-square test result revealsthat, the practice of BDS based on types of BDS delivered to the micro enterprises, the study indicates that among the different aspects of BDS only some (marketing assistance, information technology, advisory & training, alternative sources of finances, enhance personal skills, access to infrastructure, and access inputs service) are provided. Add to this, significant level of agreement is found between BDS provider & users respondent ratings of theindependent variables, whereas, no significant agreement was found between the respondents in ratings of information technology. Based on the above findings, wolkite, and butajira town administrations BDS coordination unit have delivered special BDS service to theirMEs with compared to other weredas & town administration, therefore, taking these better service experience to other weredas and town administration, so as to expanding in all dimension of service quality, so as to fill service gap in the zone. The researcher also forwards his recommendation for further researches in the area of the findings were limited due to time, budget and geographic coverage. Therefore, this study is initial point for further investigations of guraghe zone to consolidate the results.
ASSESSING THE EFFECT OF E - PAYMENT SERVICES ON CUSTOMERS’ SATISFACTION: THE CASE OF COMMERCIAL BANK OF ETHIOPIA, HOSSANA DISTRICT
(WOLKITE UNIVERSITY, 2021-07) TAGESSE BIRU MINUTA, TAGESSE
The main objective of this study was to assess the effect of E - Payment services on customers’ satisfaction: the case of Commercial Bank of Ethiopia, Hossana District. The study employed descriptive and explanatory research design along with mixed approach. Depending on the organizational structure and branch distributions, the combination of sampling techniques such as purposive, stratified, systematic and simple random were used. Primary data was collected using semi - structured questionnaire. 354 E – payment service customers, moreover, relevant document was reviewed. Descriptive statistics such as frequency mean and standard deviation and inferential statistics such as multiple linear regression analysis were utilized to analyze the quantitative data with the help of Statistical Package for Social Science version 20. The finding of the study revealed both the E – payment service delivery and customer satisfaction were at moderate stage. On the other hand, from the regression analysis result, 60.0% of the variation in the customer satisfaction was directly attributable to the independent variables security, speed, ease of use, accountability and credibility. Moreover, statistically there was moderate relationship between E – payment service quality dimensions and customer satisfaction, however, there was strong relationship between ease of use of E – payment system service with customers’ satisfaction. Therefore, it is imperative to pay more attention on the quality of the E –payment service delivery in order to make the E – payment service delivery implementation more efficient. Thus, this study suggests that the CBE has to work hard in order to enhance the E – payment service delivery in collaboration with the government and ethio – telecom.
ASSESSING THE IMPACT OF CORE BANKING SYSTEM ON CUSTOMER SATISFACTION IN SOME SELECTED COMMERCIAL BANKS WOLKITE TOWN
(Wolkite University, 2018-09) YONAS ENDALE GELAN
Financial institutions across the globe are re-examining how they meet their customer satisfaction and developing plan needed to align them strategically to remain competitive & Profitable in the future. Core banking service has networking of branches which enables customers to operate and manage their accounts and avail themselves of banking services from any branches of banks irrespective of the branch with which they maintains their accounts. Customer Satisfaction leads organization to gain loyalty and achieve the desired objectives. Formerly commercial banks use manual & Obsolete technologies. This becomes cause for customer dissatisfaction on day to day financial institution service quality. Therefore this research focus on recognizing the impact of Core banking system on Customer Satisfaction at some selected commercial banks which is commercial bank of Ethiopia, Nib international bank, Abyssinia bank & Debub global bank. The main objective of this study is to assess the impact of Core banking on Customer satisfaction in Commercial banks. As ample of 398(three hundred ninety eight) customers were selected using probability sampling technique and among these 360(three hundred sixty) was collected. Questionnaire & interview was used to collect primary data for the study and data was analyzed using descriptive statistics and inferential statistics. The result of this study shows that, there was significant relationship between core banking & customer satisfaction and also there was significant relationship between service quality & customer satisfaction. From the service quality dimensions; reliability, empathy & tangibles are positive and significant impact on customer satisfaction & the remaining assurance, responsiveness are positive but insignificant impact on customer satisfaction. Thus it is suggested that application of Core banking technologies and service quality on Commercial banks have many contributions regarding Customer satisfaction.
ASSESSING THE PERACTICE, CHALLENGES AND CUSTERM SATISFACTION OF PUBLICE SERVICE DELIVERY: THE CASE OF GURAGE ZONE INSTANCE COURT
(WOLKITE UNIVERSITY, 2023-04) MESFIN WOLDE
The major purpose of the study is assessing service delivery of the court and the major challenges in relation to service delivery. In the past few decades, there has been a growing emphasis on the need for public organization to see the public /citizen/ as a customer. The trend in public sector management is changing that customer increasingly used to describe the user of service delivered by government bodies although, traditionally associated with the private sector. These customers have rights and responsibilities towards quality service delivery. In this regard, the Ethiopia government has recognized the need for appropriate service delivery policy to encourage public service organization improve their service to attain user satisfaction. However, the performance of Gurage Zone Woreda (Gummer, Geta worda‟s and emdeber town) a first Instance court in providing quality service is not in a position to meet the expectation of service user. The compliant on the quality of service and response from the user for lack of service were indicating poor service delivery performance in the court. Therefore, the research was conducted using descriptive survey method by clustering the respondents‟ in to customer, employees and officials. The sample is selected using purposive and convenient sampling technique. To do this, to understand the level customers satisfaction based on the service they received. Then Questionnaires‟ were distributed to 384 customers by using convenient sampling technique. The major findings are Poor service quality and poor performance in service process such as knowledge gap of the employee to use technology effectively, dalliance of decision, unethical behavior of some employee, poor compliant handling system. So, the court failed to meet such requirement in order to provide accurate and reliable service to its customers Therefore, the court should come up with an appropriate service standards and evaluation, compliant handling system, fairness on job training established reward and recognition system for those who perform well in order to give quality service to its customers.
ASSESSMENT OF CUSTOMER REL ATIONSHIP MANAGEMENT AND CUSTOMER SATISFACTION PRACTICE CASE OF COMMERCIAL BANK OF ETHIOPIA
(WOLKITE UNIVERSITY, 2018-06) GEBEYEHU MELESSE
Customer Relationship Management (CRM) is the strongest and most efficient approach inmaintaining and creating close relationships with customers in the service sectors including banks.As world has become a global village, competition become tough and stiff between organizations and formed a climate of constant change, achieving and holding a customer has become vital for the success of any organization and Ethiopia is no exception.To examine and measure customer relationship management and its assessment on customer satisfaction practice in Commercial Bank of Ethiopia west Addis Ababa districts was the aim of this study.In this study both qualitative and quantitative approaches were employed. The study used primary and secondary sources to gather data. Primary data were collected through close ended questionnaire and semi-structured interview. The study has been conducted on a sample group of both customers and employees a total of 392(three hundred ninety two) respondents in three branches of CBE West Addis Ababa district located in Guraghe zone. To analyze the collected data correlation, simple linear regression was used. The findings show that customer relationship management dimensions affects customer satisfaction.
ASSESSMENT OF FACTORS CONTRIBUTING FOR LOAN NON-REPAYMENT THE CASE OF OMFI GURAGHE ZONE BRANCH
(WOLKITE UNIVERSITY, 2018-06) FELEKE LEMMA
This study was conducted with the objective of “assessing factors contributing for loan non-repayment in Omo Micro Finance Institution Guraghe zone branch “ using both primary and secondary data . Descriptive research design was used to carry out the study. Primary data were collected using structured questionnaires with the help of trained data collectors, and secondary data were also collected from Omo Micro Finance Institution Guraghe zone branch office, and sub-branch offices. Out of 383 samples data were collected from 370 defaulters (96.7%). Statistical Package for Social Sciences (SPSS) software was employed to analyze data. The results of the analysis showed that age, marital status, family members, education status, type of business engaged/residence, type of loan, type of borrowing, amount of loan released, delayed loan release, inconvenient repayment period , and level of income ,training and monitoring were the major contributing factors for non-repayment of loan to Omo Micro finance Institution Guraghe Zone branch office. The remaining independent variables used in the research had a contribution for the non-repayment of the loan but were not significant contributing factors .Revision of policy issues, and strengthening the institutional capacity was recommended
ASSESSMENT OF FACTORS INFLUENCING PUBLIC PROCUREMENT PRACTICES IN THE CASE OF GURAGE ZONE FINANCE AND ECONOMY DEVELOPMENT DEPARTMEN
(WOLKITE UNIVERSITY, 2022-10) MECHAL ANDIE SIRA
Many procurement activities still suffer from neglect, lack of proper direction, poor co ordination, slow with a lot of bureaucracy, lack of open competition and transparency, differing levels of corruption and not having trained and qualified procurement specialists who are competent to conduct and manage the procurement process in a professional, timely, efficient and cost effective manner. The aim of this study is investigate assessment of factors influencing public procurement practices in the case of Gurage zone finance and economy department. The study employed descriptive and explanatory research design along with quantitative and qualitative approaches. Comprehensive sampling technique, a technique that considers all population as study subjects, was used to select the whole population size 176. A structured questionnaire and semi – structured interview were used to collect primary data.Secondary data, document about public procurement practice were reviewed. Procurement planning, staff competency, information communication technology, procurement procedure, procurement policy, and employee procurement ethics were served as explanatory variables for procurement practice. The quantitative data were analyzed using descriptive statistics, multiple linear regression model and Pearson correlation coefficient by using a Statistical Package for Social Sciences (SPSS) version 20. The findings of the study revealed that of the influence the six explanatory variables were high and implementation of procurement practice was at moderate status. Except staff competency, strong and positive correlation between information communication technology, procurement procedure, procurement policy, and employee procurement ethics and procurement practice were observed. The regression analyses result revealed that 74.2% of the variation in the procurement practice was explained by the six explanatory variables, where procurement procedure has greatest effect among the other factors. Therefore, the study recommended that Gurage zone public financial organizations has to work in these influence’s factors so that it can increase high quality service delivery time target delivery services, reduced cost of service delivery, increased types of service delivery and procurement efficiency.
ASSESSMENT OF FACTORS INFLUENCING PUBLIC PROCUREMENT PRACTICES IN THE CASE OF GURAGE ZONE FINANCE AND ECONOMY DEVELOPMENT DEPARTMENT
(Wolkite University, 2022-10) MECHAL ANDIE SIRA
Many procurement activities still suffer from neglect, lack of proper direction, poor coordination, slow with a lot of bureaucracy, lack of open competition and transparency, differing levels of corruption and not having trained and qualified procurement specialists who are competent to conduct and manage the procurement process in a professional, timely, efficient and cost effective manner. The aim of this study is investigate assessment of factors influencing public procurement practices in the case of Gurage zone finance and economy department. The study employed descriptive and explanatory research design along with quantitative and qualitative approaches. Comprehensive sampling technique, a technique that considers all population as study subjects, was used to select the whole population size 176. A structured questionnaire and semi – structured interview were used to collect primary data. Secondary data, document about public procurement practice were reviewed. Procurement planning, staff competency, information communication technology, procurement procedure, procurement policy, and employee procurement ethics were served as explanatory variables for procurement practice. The quantitative data were analyzed using descriptive statistics, multiple linear regression model and Pearson correlation coefficient by using a Statistical Package for Social Sciences (SPSS) version 20. The findings of the study revealed that of the influence the six explanatory variables were high and implementation of procurement practice was at moderate status. Except staff competency, strong and positive correlation between information communication technology, procurement procedure, procurement policy, and employee procurement ethics and procurement practice were observed. The regression analyses result revealed that 74.2% of the variation in the procurement practice was explained by the six explanatory variables, where procurement procedure has greatest effect among the other factors. Therefore, the study recommended that Gurage zone public financial organizations has to work in these influence’s factors so that it can increase high quality service, delivery time target delivery services, reduced cost of service delivery, increased types of service delivery and procurement efficiency.
ASSESSMENT OF INVENTORY MANAGEMENT PROBLEM
(WOLKITE UNIVERSITY, 2021-05) HASHIM ASMERA YASSIN
The purpose of this study was to assess factors that affect the inventory management practice of Gurage zone health centers. The researcher adopted descriptive and inferential study design. A stratified random sampling technique was applied to the study. Both primary and secondary sources of data were used for the study. The researcher used a sample size of 35.8 %( 222 respondents) of the target population. The researcher used questionnaire to collect data for the research. The questionnaire contained open ended questions for the purposes of group discussion for Woreda and Zonal management and closed ended questions which have five point Likert scale questions for the selected health centers informants and covered areas of factors of inventory management practice to come up with good raw data for the research. The collected data were quantitatively analyzed using statistical methods by using SPSS version 20 which was commanded to produce frequency tables, graphs, regression coefficient result, analysis of variance and model summary for effective interpretation The various factor influencing inventory management practice were broken into four major areas which of these are demand uncertainty, infrastructure , management support and procurement related procedures .The particular objective that were analyzed include; evaluation of the effects of demand uncertainty, infrastructure, management support and procurement related procedures on inventory management practice. The key findings from the study revealed that demand uncertainty, management support, infrastructure and procurement related procedures are the challenges/factors to have a proper inventory management practices on the Gurage zone health centers. The researcher recommend that the health centers management and employees, woreda health offices , zonal health department and other concerned bodies should work cooperatively to improve the overall inventory management practice by improving the challenges mentioned above. Finally, the researcher suggested that further research should be done to further explore the relationship between inventory management practice and service delivery status and how to solve the challenges of inventory management practices of the health centers.
ASSESSMENT OF PRODUCT DISTRIBUTION MANAGEMENT SYSTEM OF SPRING WATER SHARE COMPANIES IN GURAGE ZONE
(WOLKITE UNIVERSITY, 2022-09) MASRESHA GOBERE
The bottled water industry is a huge business that involves many of the biggest food brands in the world and worth billions. It has grown dramatically in the last decade and today millions of people around the world. The purpose of this study, were to evaluate current Companies established distribution management system, to identify the companies’ current product distribution challenges, to show how the company controlsits product distribution network and to identify the main players in the company's product. in Ezha woreda Gurage zones of southern Ethiopia. To identify cause of problems of product distribution management systems of bottled water, the research used explanatory research design method. The data is distributed for 163 respondents and collected by questionnaires & interviews. The raw data is analyzed and interpreted by SPSS. The results of the study identify and describe; for customers, the company itself, the Government bodies for taking to appreciating their economic benefits and other competent companies in water industries. From the finding, the paper recommended that the company should be given attention in companies ways of distribution channel strategy in for purchasing of the product addressing, it should be to giving necessary improvement for sharing of intelligence information with agents; wholesalers/other distributors to boost sale and the way managing the distribution channel has played a significant role in meeting; In addition to customers request to the company’s products, the existing distribution schedule should be strictly followed by all distributors. In general, the paper show Recommendations for Improvement and for further stud
ASSESSMENT OF THE EFFECTIVENESS OF BALANCED SCORECARD IMPLEMENTATION: THE CASE OF GURAGE ZONE SELECTED GOVERNMENT ORGANIZATIONS, ETHIOPIA
(WOLKITE UNIVERSITY, 2019-06) Mohammed Shihure Jijo
Although Balanced Score Card has been adopted by the Government of Ethiopia at all levels of the government structure for some time now, effectiveness of its implementation is not adequately studied empirically. The current study was, thus, conducted to assess the effectiveness of BSC implementation in Gurage Zone selected government organizations. The study employed mixed type of research to achieve intended objectives of the study. Simple random sampling and stratified sampling techniques were used to select 144 respondents from 1052 civil servants in the government offices. The data was gathered through pretested questionnaire and interview. The study used SPSS Version 20 for processing the data. The collected data was analyzed using descriptive statistics such as frequency, percentage, mean and standard deviation presented by using table. Besides, regression and correlation analysis were used to show cause effect relationships. Though the departments made efforts to realize of the effectiveness of BSC Implementation, the findings of the study revealed that they were not at good deal in attaining their intended objectives. To mention few: lack of leadership commitment, absence of continuous training and participation of employees during BSC Planning, lack of awareness in reform concept, no close supervision, no relevant rewarding system, no adequate evaluation and monitoring activities. Here, 57.2 % of the variations in the effectiveness of BSC Implementation were jointly accounted by the nine variables at 5% level of precision. The major finding of this study depicts that BSC Implementation practice is not at good deal in the selected public sectors. Therefore, it is recommended that the departments should focus on strengthening reform team and change agents to achieve the effectiveness of BSC implementation and enhancing communication at every stage of reform implementation. It is also recommended that the top managers to be highly committed towards avoiding taking more time in finalizing reform implementation and putting incentives in place to motivate the best performers. Genuinely speaking, to realize effectiveness of BSC implementation, the departments suggested to employ the implementation practices by incorporating the necessary components of BSC.
ASSESSMENTS OF THE PRACTICE OF TAX COMPLIANCE THE CASE OF CATEGORY “B” TAXPAYERS IN BUTAJIRA TOWN
(Wolkite University, 2019-05) HASSEN SABIR,
Tax Compliance becomes major discussion issues in the financial institutions. However, the tax administration office is unable to collect sufficient amount of taxes from the taxpayers, the government does not achieve its goal and the community dissatisfied with the services of the state. The study is Assessments of The Practice of Tax Compliance the case of Category “B” Tax Payers inButajira Town with the objectives to assess the Roles of tax compliance determinant variables on tax payers behavior to complying tax, to determinant factors influencing taxpayers’ to comply or no to comply for their tax and to determine the relationship between tax compliance determinants with tax payers level of tax compliance. A sample size of 328 was drawn from the tax population in Butajira me dium taxpayers /”B” level taxpayers by using simple random/ lottery method and purposive sampling for revenue office employees. Generally, the research signifies that the factors which make taxpayers not discharge their tax duties with their own and right amount. The study design is descriptive research approach and the study employed quantitative re search methods byusing Stratified and simple random sampling technique and question naires were distributed and collected from primary sources. Then the data was analyzed using descriptive statistics technique and frequency table by using SPSS software. The revenue office has good serious enforcement practice and uses suitable penalty tools and techniques including follow-up and tax audit. However, the studyhas found that the tax payer’s compliance assessed mainly are tax education, attitude towards taxation, percept tion of fairness/equity, social and natural norms, the strength of the tax authority, and perception of government spending were found to be the factors affecting taxpayers’ compliance. Finally, based on the findings possible recommendations include, maintain ing tax fairness and equity, building capacity of the tax authority, conducting extensive awareness creation programs, and providing social services to the general public. Spe civically, attitude plays avital role in shaping the perceptions of taxpayers towards achieving compliance. Besides this, strengthening effective and efficiency of government in tax systems and procedures in tax administration function is also crucial.
BRANDING AND ITS IMPACT ON CONSUMER BUYING DECISION (In the case of Selected Natural Spring Bottled Water Manufacturing Companies In Gurage Zone)
(WOLKITE UNIVERSITY, 2024-05) TEWABECH NIDA
eneral objective of this study is to examine the relationship between branding and consumer buying decision in the case of bottled water consumers in Ethiopia more specifically in Gurage Zone. Explanatory research design was applied using qualitative and quantitative approach. Similarly, Target populations were taken from customers of bottled water in Gurage Zone using different urban area outlets, so information gained from the view point of other customers who uses other channel using conveniences sampling techniques. Data source were taken from secondary source (questionnaires’ document, report. view). After conducting reliability and validity test of data analysis were done thought descriptive statistics in process of frequency, percentage, mean and standard deviations in prospecting of ethical considerations. The results of this study indicated that Consumers purchase intentions of bottled water have a strong positive association with Perceived Quality and brand Awareness which medium contributions of purchase intentions can be enhanced by associated class and brand visibility. The study also found that past purchase loyalty was not directly related to customer satisfaction or current brand preference and that brand preference is an intervening factor between customer satisfactions and re-purchase intentions. It is recommended that the researcher should strive to promote the brand loyalty more to customer along with brand loyalty happening negatively appeared in order to contribute towards positive purchase intentions. In other hand, water Bottling share company in Ethiopia should allow in mind that new familiar brands created as a result of relatively lower creativity of the “health matters of societies” as roamer always says, overextension and lack of investment in developing brand equity and values.
CHALLENGE AND PROSPECT OF SUPPLY CHAIN MANAGEMENT PRACTICES THE CASE OF BGI ETHIOPIA PLC
(WOLKITE UNIVERSITY, 2024-06) KASSU HAILEMARIAM
This research aimed to investigate the prospects and challenges faced by BGI Ethiopia PLC on their supply chain activities in Ethiopia. More particularly the study intended to identify the supply chain activities effectively practiced by BGI Ethiopia, to examine the challenges they face in their supply activities and to propose some prospects. The study contributes significantly to academic as well as industry and policy makers. The study collected relevant data from employees and department managers from Addis Ababa, Meta and Zebider. A sample of 176 respondents was randomly selected to take part to this research. The resultant data were subsequently analyzed using descriptive statistics, as well as the Likert scale analysis. Based on the result, the practice of supply chain management is average. The results of this research found that, the few supply chain management activities practiced by BGI Ethiopia were level of information sharing, customer’s relationship, strategic supplier partnership, raw material flow management,and corporate culture were found to be averagely practiced and managed. The results also indicated that, the challenges faced by BGI Ethiopia in their supply chain activitieswere warehouse (limited space, layout, and unfavorable condition), technological and information sharing (information simplicity, accuracy, adequacy, communication, etc.,), infrastructural (ICT, transportation, management), high inventory cost, operational capacity (delay, under capacity), legal (absence of lease land, high tax), and internal and external (political instability, safety and security, unfavorable working area, workforce diversity, waste management, income generating mechanisms, geographical distribution). The research ended investigating some prospects that could have been adopted to minimize these supply chain activities challenges and thus improve the working conditions and logistics of BGI Ethiopia. Strengthening supply chain management practices, developing strategy to use opportunities, and building strong network with suppliers and customers were recommended in this study
CHALLENGE’S AFFECTING THE TRANSFORMATION OFMICRO AND SMALL ENTERPRISES TO MEDIUM LEVEL ENTERPRISES: IN THE CASE OF EMDIBER TOWN
(WOLKITE UNIVERSITY, 2021-01) TIBLET ESTIFANOS F/YESUS
This research aims to investigate Challenge’s Affecting Transformation of Micro and Small Scale Enterprise to Medium Scale Enterprise in Emdiber Town. Hence, the situation whether the objectiveof these MSEs is met merits special consideration of Transformation of Micro and Small Scale Enterprise. With this objective in mind, data was gathered through Questionnaire, Interview and Review of both published and unpublished materials. The information gleaned through questionnaire from a sample of 250 operators and face-to-face interviews were conducted with 5 officials of MSEs in Emdiber Town. Eventually, using a mix of qualitative and quantitative tools, the study found out major challenges which affect Transformation of Micro and Small Scale Enterprise in Emdiber Town which include: implementation problems related to government bodies at each level, inadequate finance, inadequate market linkage, technological problems, and inadequacy of Infrastructures and also Enterprinural skill problem, management practice problem, legality problems and working place challenges were identified which reduces the overall income of MSEs and then the Enterprises make incomputable. For the above challenges the Emdiber Town administrative government bodies should provide affordable alternative sources of finance and should be strength the government institutions at different levels, to play a major role in positively influencing the transformation of MSEs. There are different constraints which hinder the transformation of MSEs in the study area which can be solved in government body and operators themselves. Hence, there is a need for strengthening the MSEs transformation, based on findings, recommendations to government bodies, to operators of MSEs and suggestions for other researchers are forwarded.
CHALLENGES AND PROSPECTS OF E- BANKING SERVICE IN ETHIOPIA: THE CASE OF SELECTED COMMERCIAL BANKS AT WOLKITE TOWN.
(WOLKITE UNIVERSITY, 2018-06) DIRES ENDALE, DIRES
COMPARATIVE STUDY ON DETERMINANTS OF WOMEN PARTICIPATON IN LEADERSHIP AMONG SELECTED GURAGE ZONE PUBLIC SECTOR OFFICE
(WOLKITE UNIVERSITY, 2023-06) MAHLET KEBEDE TEKALIGN
Women face multi-faced challenges to participate in leadership position due to different factors. The main aim of this study is to investigate the determinants of women Participation in leadership positioning comparative study at selected two public sectors in gurage zone, particularly women, child and youth affairs and education sector. This research is based on the fact that there are less female leaders than men leaders, both in country and in the region as well as in zonal level. The objective of this thesis is to identifying the determinants comparative study that affecting women participation in leadership position in public sectors. It also aimed to identify the major factors that hinder women participation in leadership position and to evaluate the effect of gender gap in leadership position. In order to meet the objective, explanatory research design was used. Bothqualitative and quantitative research approach used to analyze and interpret data. The data collected by questionnaires and interview for selected public sectors head office and employees to explain the current gender practices in the two public sectors and assessing the factors for low representation of women in leadership position. Consequently, the study was used for census sampling; because the Population sample size is 108, probability and non-probability sampling techniques were used to selects the respondents and to make the researches. Selected data analyzed by descriptive statisticsand ANOVA. The findings both selected sectors indicate that women are highly underrepresented in leadership position due to some factors such factors are organizational factors and work place policies which are major cause. Due to these factors women participation in leadership and decision making position was insignificants and get less confidence for the position. In order to minimize those factors zonal needs to implement leadership skill training and affirmative action to enhance participation of women in leadership
COMPARATIVE STUDY ON THE DETERMENTS OF LOAN REPAYMENT PERFORMANCE AMONG MICROFINANCE INSTITUTIONS OPERATING IN BUTAJIRA TOWN
(WOLKITE UNIVERSITY, 2024-04) NEGALIGN ALEMU
This study was conducted with the aim of analyzing the factors that influence loan repayment performance of borrowers in Butajira town of microfinance institution. A total of 559respondents were involved in this study, of this 550 were borrowers and 9 were managers and credit officers. A questionnaire was used to collect data. Descriptive statistics such as frequencies, means and percentages was used to summarize the data and standard deviation was used to analyze the background characteristics of sampled respondents and descriptive summary of both dependent and independent variables. Inferential statistics such as correlation and multiple linear regression analysis were employed to identify the factors that affect the loan repayment performance of borrowers. The result of the multiple linear regression models indicated that five variables included in regression model and all variables had showed significant relationship with the loan repayment performance of borrower in the study area. These variables are borrower related factors, institutional, social, and cultural factors were found to influence the loan repayment performance of borrower significantly. Borrower related factors such as borrowing experience and literacy of borrowers have positive effect on loan repayment performance of borrowers. Literate borrowers are better loan repayment rate than illiterates’. Such borrowers cannot read and write. They have inadequate knowledge of loan acquisition and management, thereby making them unable to repay the loans. Regarding institution related factors, the study results revealed that supervision made for loan utilization and loan repayment by credit officers was inadequate and borrowers 'feeling toward repayment period in this study, market problem, lack of adequate man power and shortage of resources were identified as the main repayment challenges from the forgoing it can be concluded that both barrowers and institution related factors are affecting loan repayment performance in the branch. In order to develop effective credit rationing system, microfinance institutions are recommended to visit borrower’s business premises, verify borrower’s asset collateral and enquire borrower’s additional information during screening process so as to ensure that only credit worthy borrowers are granted loans.
DETERMINANTS OF CUSTOMERS BANK SELECTION DECISION IN GURAGE ZONE: THE CASE OF BANK CUSTOMERS IN WOLKITE TOWN
(WOLKITE UNIVERSITY, 2021-06) KIBEBEW GEBRE SIRA
The objective of this study was to investigate the determinants of customers’ decision on selection of banking services in Gurage Zone Wolkite Town. Therefore, the study was intended to identify determinants of customers bank selection decision, prioritize determinants factors affecting customer bank selection decision based on their importance and assess the role of customer socio-demographics variables on bank selection decision. The study used quantitative and qualitative research approach and employed descriptive & explanatory research survey design. A total of 384 (96.48%) students, business man and employees out of 398 respondents were participated in the study. Seven bank managers and seven customer’s officers were included as a sample through purposive sampling and others included through stratified random sampling technique. Questionnaire and interview were the main instruments of data collection. The analysis of the quantitative data was executed through descriptive and inferential statistical methods. Exploratory factor analysis is computed to reduce the number of variables, interpret the results and identify the underlying relationships between measured variables. Accordingly, 34 of the itemswere maintained and grouped in to eight components. In addition, the Kendall’s Wall’s coefficient of concordance model is computed to make rank order analysis and it revealed that significant level of agreement is found in ratings of bank image, service quality, convenience, technological, promotional, and social and proximity whereas, no significant agreement was found between the respondents in ratings of financial factors. Accordingly, convenience, proximity, bank image, technological, service quality, promotional and social were significant whereas, financial factor was found to be insignificant factors in determining customers bank selection decision. Hence, banks are recommended to give more emphasis for significant factors to hold and satisfy their existing and new entrant customers.