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 DIET COMPOSITION AND FEEDING HABITS OF CYPRINUS CARPIO (LINNAEUS 1758) (PISCES: CYPRINIDAE) IN LAKE AREKIT, ETHIOPIA(wolkite university, 2024-07-01) INJIGU WENDIMUThe diet composition and feeding habits of Cyprinus carpio (Linnaeus, 1758) were examined using 209 fish samples from Lake Arekit. The species' feeding patterns were determined through numerical indexes (frequency of occurrence and volumetric contribution) and composite indexes (Index of Preponderance (IOP) and Geometric Index of Importance (GIIi)). Among the 209 specimens, 174 (83.3%) displayed a range of dietary items in their stomachs. Detritus emerged as the primary food source for C. carpio, followed by macrophytes, insects, and zooplankton. A lesser amount of phytoplankton, nematodes, and ostracods were also consumed. Based on the findings, C. carpio can be classified as a detri-omnivore, as it consumes benthic species like nematodes, ostracods, and insect larvae. Seasonal fluctuations in food item consumption were noted (p < 0.05), with higher intake during the rainy season and reduced consumption in the dry season. Significant variations in food preferences were observed among size groups (p < 0.05). Smaller size classes preferred foods of animal origin, such as ostracods, zooplankton, and insects, while macrophytes and detritus were more prevalent in the largest class. This study enhances our understanding of C. carpio's diet in Lake Arekit. Still, further research is necessary to explore the diet across the fish's lifespan and monthly, considering various environmental conditions.Item PERCEIVED EFFECT OF INCENTIVE PACKAGE ON EMPLOYEE PERFORMANCE IN SELECTED MANUFACTURING COMPANY IN GURAGE ZONE(2021-07-22) WENDIMU MARE KOREIn the current competitive business environment, Manufacturing Company is facing a lot of challenges particularly getting the qualified employees and retaining them. The objective of this study was to investigate the perceived Effect of Incentive Package on employee performance in the Selected Manufacturing Company in Gurage Zone. Therefore, the study was intended to identify the perceived Effect of Incentive Package on employee performance in the Selected Manufacturing Company based on their importance, assess the role of Incentive Package, socio-demographics variables on employee performance. The study used mixed method approaches. A total of 300 employees selected and analyzed working in those companies, employees out of 309 respondents were participated in the study. Three Human resource managers and Three Supervisors 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. Explanatory research is computed of variables to explain (31 items) and to interpret the results as well as to identify the underlying relationships between measured variables. A structure Likert Scale format questionnaire has been used for data collection. The data obtained were analyzed using (SPSS) version 23 program, descriptive analysis, normality test, reliability test, Multicollinearity test, Person’s Correlation and Multiple Liner Regression were conducted in order to interpret the data. As the regression analysis results revalue independent variables for Profit Sharing, Recognition, Working Conditions, and Training Opportunity exerted the greatest positive influence on level of achievement, that Salary and Insurance exerted a positive and statistically insignificant influence on level of achievement on employee performance. The results of this study conclude that higher the level of incentives package; better employees’ performance, commitment and loyalty towards their company Based on the finding the study recommends that the management of the company that improve more.Item FACTORS AFFECTINGTHE STRATEGIC PLAN IMPLEMENTETION THE CASE OF GURAGHE ZONE TECHNIQUE AND VOCATIONAL EDUCATION TRAINING COLLEGES(2021-06-26) HABTE ZERGA HABTEMARIAMThe main objective of this study was “Factors Affecting Strategic Plan Implementation the Case of Guraghe zone TVET Colleges”. The study used an explanatory research design with systematic sampling technique. The population of the study consisted of 498 board members and employees of Gurage Zone TVET colleges specially (Agena, Wolkite and Butajira) The sample size was 222 board members and employees which included 27 board members, 103 teachers, 9 management bodies, 21 department heads, and 62 administration officers. The data was collected from two sources as primary and secondary. Primary data collected through questionnaire, interview and personal observation from three colleges. Secondary data was collected from written documents and reports. The collected data was analyzed using statistical package for social sciences (SPSS) version 21. The study used descriptive (i.e., mean, percentage and standard deviation analysis) and inferential analysis like regression analysis. The result of the study showed that organizational culture, structure, resources allocation, strategic leadership and reward positively affected, while political instability negatively affected implementation of strategic plan at Gurage zone TVET colleges. The study further recommends that leaders should understand and perform strategic plan implementation by reducing factors affecting strategic plan implementation. All employees should get involved in strategic plan implementation to maximize the achievement of it. Proper monitoring and evaluation should be carried out so as to ensure success of the strategic plan. It also recommends to college’s management body should give attention to distribution adequate, resource.Item CHALLENGES AND PROSPECTS OF BALANCED SCORE CARD /BSC/ IMPLEMENTATION: ACASE OF SILTE ZONE PUBLIC OFFICE, S SNNPR, AND ETHIOPIA(2021-06-21) ABDELA DETAMOThe purpose of this study, an attempt was made to investigate whether BSC implementation in the Silte Zone Government office is successful or not, and find out the challenges and prospects of BSC implementation. This study adopted a descriptive design and employed both quantitative and qualitative approaches to achieve the research objectives. Data was collected from both primary and secondary source. Out of the 603 target population 240 were selected. The study adopted probability and non-probability sampling design methods. From this 222(92.5) managed to return. The collected data analyzed by Statistical package for Social sciences (SPSS, version 20). The finding show the major challenges and prospects that selected Public office in the five of perspective are organization working culture, top management commitment ,cascading process, employee involvement and challenges of selection of performance measures. It is possible to conclude that the top management commitment was visible during implementation of BSC , organization culture does support the full implementation of BSC, employee participation does highly developed the full implementation of BSC, there is providing excellent cascaded throughout the organization from the top to the low level and there is no challenges of selection of performance measures. So continuous guidance (direction), prompt corrective action, participate staff at all levels, enhance accountability through ownership of objectives and performance measures and desired employee behaviors.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 CAUSES ANDIMPACTS OFNONPERFORMINGLOANSONTHEOPERATIONSOF MICROFINANCE INSTITUTIONS(Wolkite University, 2020-02-29) ABERA ABOMSAGUTAThe study was conducted to examine both the Causesand impacts of nonperforming loanson the operations of MFIs particularly focusing on Specialized Financial and Promotional Institution. Loan portfolio is the major assets of any financial institution to sustain in the industry, but once some portion of this asset is unexpectedly stop producing interest incomes, the quality of loan portfolio also negatively affected. This research study adopted descriptive and explanatory researchdesign on the causes of nonperforming loans of Specialized Financialand Promotional Institution, and datahas been collected mainly through primary source using questionnairefrom SFPI staffs. A case study approach was also used to collect secondary data by reviewing the annual reports and income statement to identify the extents of NPLs impacts on the operation activities of SFPI. So, 65 staffs were taken as samples based on stratified random sampling method of sample selection by using mathematical formula. For data analysis, descriptive statistics including mean, frequency, percentages, graph, pie chart and simple excel were used. Regression analysis used through SPSS software version 20. This researchstudy found out the major causes of NPLs which significantly affecting the portfolio quality of the institution. Therefore, At 5% level of significance and 95% level of confidence, inadequatemonitoring and follow up, wrong timing of credit delivery, inefficient management information system, ineffective credit approval, and credit appraisalvariables were causing nonperforming loans of SFPI. The study also found out that nonperforming loans contribute mostly to interest incomes that generatedfrom the total loan portfolio was eaten for the provision of bad dept in five years analysis. Also the study indicates a net operating profit of the institution was eroded due to provisioning payments for nonperforming loans (bad debts) and available funds for loans are significantly declined as nonperforming loans increase. Furtherstudy revealed that agricultural loan sector, petty trade loan sector and WEDP loan sector has the highest share of NPLs and followed by others sectors such as, micro energy loan sector, individual loan sector and service sector. To mitigate the problems of nonperforming loans some strategic issues and mechanisms were recommended to the management of SFPI.These measuresare:appropriatecredit approval, adequatemonitoring and follow up before and after loans grantedto the customers, Continuous branch supervision to ensure timely credit delivery, credit diversification strategies, implement effective and efficient Management information systems and mechanisms to control the health of loanportfolioItem 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 EFFECT OF WORK-LIFE BALANCE ON EMPLOYEES’ JOB PERFORMANCE: THE CASE OF COMMERCIAL BANK OF ETHIOPIAIN HOSSANA DISTRICT(WOLKITE UNIVERSITY, 2021-06) ELFINESH MULUGETA GEBERAThe objective of the study was to determine effect of work life balance on employee performance in commercial bank of Ethiopia at Hossana district. This study was supported by three theories which are; component theory, spillover theory and work-family border. The study adopted survey research design using both quantitative and qualitative approaches. The target population was 977 employees from 13 commercial bank of Ethiopia at Hossana districtwith a sample size of 284 respondents. Sample was selected using multi-stage sampling techniques. Structured questionnaire was used for data collection. Descriptive and inferential statistics were used to analyze and process the obtained data. The data obtained was analyzed using SPSS software of version 20. The influence of WLB on EP was determined using multiple regression analysis. The study found that flexible work-arrangement, leave programs, wellness programs and employee assistance programs concerns were more strongly related to performance of the Commercial Bank of Ethiopia. Flexible work-arrangement has strong predictor of job performance. Leave programs, wellness programs and employee assistance program are influenced employee performance. The study recommends that organizations should offer flexible work arrangements and wellness programs to its employees for increased performance.Item THE EFFECT OF ORGANIZATIONAL CLIMATE ON EMPLOYEE JOB SATISFACTION; THE CASE OF SELECTED GOVERNMENT OFFICE IN WESTERN GURAGHY ZONE(WOLKITE UNIVERSITY, 2021-10) ASELEFECH G/SELASSIE CHIKSAThe objective of the study is to examine the effect of organizational climate on employee job satisfaction in the case of selected government organization in western Guraghe zone. The study identifies seven dimensions of organizational climate and investigates their influence on job satisfaction. To do so, the study has employed a cross-sectional study design with an explanatory and descriptive design in interpretation of the data collected through self-administered questionnaire and the researcher has conducted questioner with the employees of one organization in the selected organization. A randomly selected 140 workers were participated in the study whose service level from long serviced to fresh. The analysis is made by making use of descriptive statistics, Pearson correlation, and multiple regression model. It was found out that the staffs have positive perception about their organizational climate but they have neutral feeling to their job. All selected organizational climate factors have positive relationship with job satisfaction. Among them participation in decision making 3.46, pay and benefit 2.86, human relation 3.69, employee wellness 3.61, leadership and management 2.75 and corporate image are significant predictor of job satisfaction. Working condition 3.65 was found out to be insignificant in explaining the variation in the level of job satisfaction. This implies that when the above factors are fulfilled working condition is a least wanted facility. In addition, it was revealed that the perception of organizational climate and level of job satisfaction does not significantly vary with different experience and job level of the staff. With the revealed findings, it was recommended to the organizations to improve leadership and management and pay and benefit practices and to give more focus to other factors than working condition.