College of Bussines and Economics
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College of Bussines and Economics
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Item RISK MANAGEMET PRACTICE IN COMMERCIAL BANK OF ETHIOPIA WEST ADDIS ABABA DISTRICT(2018-07-01) SIMEMU LEMA DEWECHEThe aim of this paper is analyzing the effective risk management practice of commercial bank of Ethiopia. In order to assess the risk management practice, the researcher develops survey questionnaire based on the conceptual models of the risk management practice found in the literature. Questioners distributed to 119 risk expert from a total population of 169 staffs of commercial bank of Ethiopia underwest Addis Ababa district by using stratified random sampling technique. Quantitative data analysis was conducted to analyze the collected data. Both inferential and descriptive statics employed by using SPSS (Ver. 20) statistical package. In the data analysis, one-sample t-test, correlation and regression analysis were employed. Based on the finding it is concluded that all the four independent variables (understanding risk and its management, risk identification, risk monitoring, and risk analysis and assessment) have significant and direct impact on the risk management practice of the bank; with overall impact of 55.8%. The researcher recommended the bank to develop an encyclopedia in order to create common risk definitions among the staffs. The respondent suspect that technology risk, liquidity risk and foreign exchange risk will be the main risk for the bank in the future. Accordingly the researcher recommends the bank to improve its status with respect to risk management; and also examine other factors that would affect its risk management practice.Item THE ROLE OF ORGANIZATIONAL CULTURE ON EMPLOYEES’ COMMITMENT AND ORGANIZATIONAL PERFORMANCE CASE OF COMMERCIAL BANK OF ETHIOPIA(Wolkite University, 2019-01-01) SIRAJ JEMALOrganizational culture can be seen as the heart of an organization that shapes how employees behave at work place and is a body of knowledge, attitude and beliefs. It guides the way the employees think and behave around, assumes like quality, teamwork, customers, innovation and decision making all things that directly impact an organization’s performance and how it works with and it perceived to work with its stakeholders. The purpose of this study was to investigate the role of organizational culture on employees’ commitment and organizational performance in commercial bank of Ethiopia. The researcher employed quantitative research approach and used descriptive and explanatory research design for analysis. The total theoretical population of the study was 33,625 and accessible population was 110 out of this population the research took 86 informants as a sample size. Organization culture conceptualized as coordinated team work, culture strength, achieving goal, customer orientation and change management. The major research findings of this research revealed that both models (relationship between organization culture with employee commitment and relationship between organizational cultures with organization performance) have ability to predict both employee commitment and organization performance. The research recommended to Commercial bank of Ethiopia’s management bodies to set strategies, policies and procedure to train and to teach the bank’s culture for their employees to realize the banks’ performance and enhance employees’ commitment.Item THE IMPACT OF PROMOTION ON CONSUMER BUYING BEHAVIOR IN ETHIOPIAN BANKING INDUSTRY(Wolkite University, 2019-07-29) SEIFEDIN BEDIRU NURUThe purpose of this study to investigate the impact of promotion mix element on consumer buying behavior in Ethiopian banking industry. The research employed quantitative research approach, qualitative research approach, descriptive, and explanatory research design techniques. And Data were collected using structured questionnaire and interview then analyzed using SPSS 20 and this study would used both probabilistic sampling and non probabilistic sampling. From the variety of probabilistic sampling techniques, the researcher would use stratified random sampling methods for large target population of the study. The population of commercial bank consumers was 93,305 and sample of 398 was studied by applying descriptive and inferential statistics techniques. From non probabilistic sampling techniques researcher employed convenience sampling technique to distribute questionnaire for the respondent .And purposive sampling technique used for to select the banks. The major finding of this study revealed that there is moderate and positive relationship between promotion mix element and consumers buying behavior and among demographic factors such as age , income , sex professional type and marital status they don’t have statistically significant relationship with consumers buying behavior and they don’t have unique contribution to predict consumer buying behavior the other one is education there is statistically significant relationship with consumers buying behavior and have unique contribution to predict consumer buying behavior. An important implication of the finding is that there is a need for looking at other significant factors in order to influence consumer buying behavior to make it better. So it is necessary to conduct further research in the field..Finally the researcher recommended that Ethiopian banking industry should work hard to achieve promotional activities integration in the practice, because such integration will lead to increased demand for their products.Item DETERMINANTS OF FINANCIAL PERFORMANCES OF PRIVATE BANKING IN ETHIOPIA: EMPHASIS AT ALL PRIVATE COMMERCIAL BANKS(WOLKITE UNIVERSITY, 2018-10) MULUGETA MESFIN MELESEThe main purpose of this study was to assess the determinants of Performances of Private Commercial Banks in Ethiopia. In order to meet the objectives of the study, a descriptive and relational research design method was employed. The target population of the study comprised all Private Commercial Banks in Ethiopia that were selected through census sampling method. Whereas, the study period 2010 2016 was purposively selected. Financial statements, during the study period, of private banks were obtained from NBE. These financial statements were then used to generate panel data, which comprises all the financial ratios regarding the dependent variables and bank specific independent variables. Accordingly 101 sample cases of bank specific financial ratios are obtained. Macro economic data for the study period were also collected from NBE and CSA publications. Descriptive analyses of financial ratios were generated to reflect average and relative performance of individual private banks. The overall average financial performances of private banks were 2.61% and 17.96% for ROA and ROE, respectively. Regarding the internal financial ratios, almost all the private banks adhered to the threshold ratios set by the NBE. However, these banks have considerable differences in their internal ratios, where banks in good position regarding one ratio are found to have lower position in another. Mainly, correlation and regression analyses employed in the research revealed profitability of banks were mainly related and influenced by their internal specific bank ratios; whereas the external and macro variables were not found to have significant effect in their performance. Both ROA and ROE had significant negative correlations with CA and ME; while positively related with AQ and BSize. However, the relationships were more stronger for ROE than ROA. Mainly Management efficiency and capital adequacy were the most explanatory to ROA of the banks; together they explained 69% of the variation on the banks return on asset. While, these two ratios together with liquidity and asset quality aredeterminants to the banks ROE; they have about 75% explanation power. It is therefore, clear that the bank specific ratios have considerably strong influence on profitability of private commercial banks. Therefore, it is recommended that in order to assess the banks performance with regard to ROA and ROE, it is worth advisable to optimally adjust the CAMEL ratios, while mainly pay regards to the management efficiency and capital adequacy ratios.Item THE INFLUENCE OF REWARD MANAGEMENT PRACTICES ON EMPLOYEE PERFORMANCE: A CASE STUDY OF COMMERCIAL BANK OF ETHIOPIA WEST ADDIS DISTRICT, GURAGE ZONE(WOLKITE UNIVERSITY, 2018-10) ELIAS ESHETU WAKITOLAThe purpose is to examine the effect of reward systems on the dimensions of employees’ perceived performance. This study also attempted to investigate what types of reward system; financial or non-financial contribute to the employees’ better performance. Both qualitative and quantitative research methods were applied. In order to select the respondents from the total population of 317, random sampling method was applied. The sample size determination comes with 177 samples to be taken in to the study. Survey data collected from respondent’s analyzed using descriptive and inferential analysis using the Statistical Package for Social Sciences (SPSS). The data was presented using tables. The findings of the study indicated that there was a significant relationship between reward system and employee performance in general and financial and non-financial rewards in particular. The result shows that, the most determinant factor of employee performance which scored low mean deviation was work condition (M=2.744, SD=1.036). While the high mean deviation scored for Performance based bonus (M=4.27, SD=0.688), followed by recognition (M=3.993, SD=0.802) career development (M=3.881, SD=.823), base Pay/salary (M=3.305, SD=0.815), benefit (M=3.063, SD=1.059). From this the researcher inferred that relatively low score work condition affects/determines employee performance. In addition, the findings of the study revealed that financial rewards (M=3.7875, SD= .755) strongly affect employees’ perceived performance than non-financial rewards (M=3.42, SD=0.93). Finally, of the total respondents agreed that, know what expected from them and what intends to do their performance based on the plan/target cascaded for them.Item THE PRACTICE AND CHALLENGES OF ENTREPRENEURSHIP COURSE PROVISION IN SELECTED TECHNICAL AND VOCATIONAL EDUCATION AND TRAINING (TVET) COLLEGES IN GURAHGE ZONE(WOLKITE UNIVERSITY, 2019-07) Amare MelkamuThe purpose of this study was to examine the practice and challenges of entrepreneurship course provision in TVET colleges in Guraghe Zone as perceived by trainers and trainees of four sampled TVET colleges. To that end, the views and perceptions of trainers and trainees were sought. The study employed a concurrent embedded mixed research method. Both quantitative and qualitative data were gathered. Quantitative data were gathered from two sets of survey questionnaires (N=357) administered to trainers and trainees of the sampled colleges. Qualitative data were generated largely from five college Deans. While the quantitative data were analyzed using descriptive and inferential statistical methods, the qualitative data wasanalyzed using thematic analysis. Attempts were made to examine the convergence and divergence of findings obtained from the quantitative and the qualitative data. The findings overlap in almost all areas of concern of the present study. The findings obtained from quantitative and qualitative data portrayed an encouraging but inadequate and ineffective state of implementation of entrepreneurship education in the colleges. Findings from survey dataindicatedthe training of entrepreneurship had shown positive impact on trainees (M=3.41) in motivating them to think of self-employment as a career option. The intention to engage in selfemployment/entrepreneurship among trainees was found significant. However, the findings show that the trainers were not trained in entrepreneurship, trainees lack interest to attend the trainings, the time allocated for the program was inadequate, the method of teaching the program was lecture dominated, there was lack of facilities, and mostly the training programs offered were found to be theoretical. Therefore it was inferred that the training program was inadequate and ineffective to create capable and confident entrepreneurs. Finally, the study recommended the importance of enhancing the awareness of the trainees about the importance of the program, additional trainings for the trainers, equipping the colleges with relevant facilities, allocation of adequate time frame for delivery of the program and the need to diversify practical methods of teaching the program. Moreover, it was recommended that training should be given to entrepreneurship instructors for the effective delivery of the training in TVET programs..Item INTERNATIONAL REMITTANCE AND ECONOMIC GROWTH IN ETHIOPIA: AN AUTOREGRESSIVE DISTRIBUTED LAG APPROACH(WOLKITE UNIVERSITY, 2018-06) ABDURAHMAN AGIROHaving the general objective of investigating the relationship between international remittances and economic growth in Ethiopia, this study used an auto regressive distributed lag (ARDL) model or Bound Testing approach to co-integration. The data used is from Ethiopian economic association, national bank of Ethiopia and World Bank Development Indicators which spans from 1980 to 2016. The outcome of the study revealed that, both the long run and short run growth impact of international remittance during the study period is positive and significant. Apart from this, other growth determinant factors, such as real gross fixed capital formation, human capita and consumer price index are found to significantly and positively affecting growth in Ethiopia. Trade openness has found Negative and significantly impact economic growth. Moreover, the Granger Causality test has confirmed that there is a unidirectional causality which runs from remittance to output. The most important policy implication that comes out of this study is that the government as well as other concerned stakeholders should work on easing the remittance sending process and cost, so as to better extract the economic benefit of international remittance.Item THE EFFECT OF PERCEIVED ORGANIZATIONAL JUSTICE ON EMPLOYEES TURNOVER INTENTION THE CASEOF SELECTED FINANCE & ECONOMY DEVELOPMENTOFFICES AT GURAGE ZONE(2019-06) Ajamo Mohammed; Dr. ZerihunBirbirsa (Ass P.)This study has main purpose of survey the effect of perceived organizational justice on employee’s turnover intention in Gurage Zone Finance and Economic Development Offices. The researcher has used proportionate stratified random sampling based on the size of statistical community, 114 administrative and main work process employees were participated in the study. The study had a Descriptive and Inferential research design. their intention to leave their organization is high (3.97). The result of mean of perceived organizational justice and turnover intention showed that employee’s level of turnover intention is high. This is because employees are not satisfied with the organizations outcome that they receive, with the procedures by which they should be governed and with interpersonal treatment as well as the quality of information that they expect about the outcomes. In the research model R Square value is .476 which imply that the model (independent variables) can explain 47.6% of the variance in dependent variable. The results of linear regression showed that distributive injustice was the stronger predictor of turnover intention. Based on findings, the researcher recommended the management of FED to take actions that rise justice perception and decrease turnover intentionsItem THE EFFECT AND PRACTICE OF EMPLOYEE PERFORMANCE MANAGEMENT SYSTEM ON EMPLOYEE PERFORMANCE: THE CASE OF SELECTED PUBLIC SECTORS IN GURAGHE ZONE(WOLKITE UNIVERSITY, 2019-06) NURSEFA IBRAHIM ALIThe aim of this study was to the effect and practice of Employee Performance Management System on employee performance: the case of selected public sectors in Guraghe Zone, SNNPR.The study employed descriptive and explanatory survey research design approach. The target population was public sectors employees in Guraghe Zone. But, in this study, 144 employees were selected using proportional stratified random sampling technique. Data sources were primary and secondary and these data were collected using questionnaire, interview, and document review. Descriptive statistics, Pearson correlation coefficients, multiple linear regression model was employed to analyze the collected primary data using a Statistical Package for Social Sciences (SPSS) version 20. The performance of employees were measured by employees’ performance scales as a dependent variable and criteria identification, measurement, evaluation, improvement, and reward were used as independent variables. The findings of the study unveiledthat all the independent variables had positive and significant correlation with the dependent variable – employee performance. Regards to effect, only the four variables, namely, criteria identification, employee performance evaluation, employee performance improvement, and reward had statistically significant effect on the employee performance. In this regard, 49.8 % of the variations in the employees’ performance were jointly accounted by the five variables at 5% level of precision. The major finding of this study is that Performance management system is not a tool that is not well known by Gurage zone selected public sectors. The most known type of evaluation which much also practiced in thus sector is performance appraisal which is twice annually used for legislation purpose. Therefore, this study suggests that, the public sector mayview performance management system as holistically, encompassing all the elements public sector culture. Without this capability, performance management system likely to become compliance activities rather than adding value to the sector and individual employees. Sensitization to all employees might be taken in to account to create awareness on the implication of performance managements and concerned bodies have to intervene in order to employees’ performance.Item FACTORS AFFECTING PERFORMANCE OF WATER SUPPLU PROJECT THE CASE OF MAREKO WOREDA GURAGHE ZONE ETHIOPIA(WOLKITE UNIVERSITY, 2019-06) WONDMU ENDALE BEHAREIn current trends of poor performance of water projects are allowed to continue rural water facilities in Ethiopia. The aim of this study was to determining factors that affecting performance of water supply projects in Guraghe Zone Mareko Woreda. The specific objective is to establish effect of community participation, project management, water infrastructure and project finance funds, on the performance of water projects. In order to achieve the objective the researcher adopted a descriptive and explanatory design, where the data was collected from sample of 390 participants using structured questionnaires, interview, and focus group discussion and analyzed using descriptive statistical techniques. Results revealed that only project management has significant and positive effect on the performance of water supplyproject on Mareko Woreda. Available data was support the existences of a statistically significant relationship between community participation, water infrastructures, project finance fund and performance of water supply project. These findings have significant implication on water supply projects in Mareko Woreda and other parts of country. The study recommended Community based water supply Project problems could be minimized through awareness creation, to the community members throughout project life period, project management techniques in short term training for water supply project committee, by Mareko Woreda water sectors office, improve water infrastructures and assigning budget for maintenance.