College of Bussines and Economics

URI for this communityhttps://rps.wku.edu.et/handle/123456789/45798

College of Bussines and Economics

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    FACTORS AFFECTING INTEREST FREE BANKING IN ETHIOPIA: A CASE STUDY OF COMMERCIAL BANKS LOCATED SOUTH-WEST ADDIS ABABA
    (WOLKITE UNIVERSITY, 2021-07) FIKRU ASERA
    Banking industry fosters economic growth through financial intermediation. Which helps in meeting a debtor with a creditor and perform host of other financial services. Ethiopia adopted Interest Free Banking window scheme in 2011 and Full-fledged interest-free banking by June, 2021 as alternative banking system in addition to conventional by considering substantial number of unbanked Muslims communities, which estimated more than 38 million or 33.8% of total population. The emergence of Interest free financial system has created a new dimension to the current economic models and financial developments. Hence, use of such innovations is highly appreciated even if its successes depend on the various internal and external factors. Therefore, this study aims to investigate the main factors affecting interest-free banking system. For these purposes, primary and secondary data were collected and analyzed by using descriptively and inferential statistics. Finally, the model suggests that Interest free banking has positive and strong relationships with internal and external factors of qualified and skilled human resource, creation of awareness to community, ,suitable and effective banking policy and procedure, effectiveness of existing banks, overall managerial efficiency, working with Sherian Verdict and Principle, Research and development(RD) while contradict with Treasury risk of liquidity and solvency. Finally, enhancing and enforcing standards of regulatory law, policy and procedure is advisable for all commercial banks to sustain all its strength, and to improve their limitation.
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    ANALYSIS OF FACTORS AFFECTING DEPOSIT MOBILIZATION OF PRIVATE COMMERCIAL BANKS IN ETHIOPIA
    (WOLKITE UNIVERSITY, 2019-06) MEKUANINT AYALEW FELEKE, MEKUANINT
    The aim of this study is analyzing factors affecting deposits mobilization of private commercial banks in Ethiopia. In doing so, the study used Pearson correlation analysis, ordinary least squares (OLS) technique, Granger causality analysis and descriptive statistics using secondary data. The data are collected from national bank of Ethiopia (NBE) and sampled private commercial banks from the year 2002 up to 2017. The collected panel data also, regressed based on random effect model. Econometric view version 8 (Eview 8) and stata version 13 statistical software has been used to perform the analysis. The result of correlation analysis showed that, deposit interest rate and lending interest rate strongly correlated, while the inflation weakly correlated with bank deposit. As per the Granger causality analysis, the variables included in the estimation model have a unidirectional relationship in the long run. In addition to, the results of regression analysis showed that, deposit interest rate; the lending interest rate and return on asset were positively and significantly influence the bank deposit. However, inflation affects bank’s deposit negatively and significantly during the study period. Finally the study has recommended that, the private commercial banks should give due emphasis to deposit mobilization tasks and its determining factors by considering mobilizing deposit is a way to sustain in the banking industry.
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    DETERMINANTS OF MULTIDIMENSIONAL FOOD INSECURITY IN ETHIOPIA
    (WOLKITE UNIVERSITy, 2020-07) ABEL TENKIR DIMDE,
    Food insecurity is a situation that exists when people lack secure access to sufficient amounts of safe and nutritious food for normal growth and development and an active and healthy life. Food insecurity is a global phenomenon which affects continents, nations and people differently Ethiopia, one of the least developed countries, was ranked 174th out of 188 countries by the 2017 human development report, in terms of both its per capita income and human development indices. This position of a country indicated that in Ethiopia food insecurity is an urgent and immediate challenge and will continue to be so far some time. Based on this fact the aim of this study was to assess the determinants of multidimensional food insecurity in Ethiopia so as to help proper understanding of factors associated with multidimensional food insecurity which is a key to policies and practical steps that the government can take in ordered to curb food insecurity. This study used data from Ethiopian socio economic survey of 2016 which include 22,296 households from all parts of the country. The data was analyzed by both econometric and descriptive analyses. Descriptive study shows that 27.5 percent of sample households by Ethiopian demographic and health survey of 2016 which was collected by CSA are multidimensional food insecure. The logit model of this study was demonstrated household family size, access to clean water, access to credit, household health stats, off farm activity and education are significantly affect multidimensional food insecurity. Based the result the main conclusion of the study is that the incidence of multidimensional food insecurity is widespread in Ethiopia. This problem calls urgent interventions aimed at dropping this incidence of multidimensional food insecurity. Thus multidimensional food insecurity alleviation policies that based on those variables should be key ingredients of a multidimensional food insecurity reduction strategy and the targeted groups should involve in any development efforts that could address multidimensional food insecurity in Ethiopia.