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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.
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RISK MANAGEMET PRACTICE IN COMMERCIAL BANK OF ETHIOPIA WEST ADDIS ABABA DISTRICT
(2018-07-01) SIMEMU LEMA DEWECHE
The 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.
DIET COMPOSITION AND FEEDING HABITS OF CYPRINUS CARPIO (LINNAEUS 1758) (PISCES: CYPRINIDAE) IN LAKE AREKIT, ETHIOPIA
(wolkite university, 2024-07-01) INJIGU WENDIMU
The 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.
ANALAYZING OF VEGETABLE MARKETING SUPPLY AT THE SHASHOGODISRICTS, CENTRAL ETHIOPIA
(WOLKITE UNIVERSITY, 2025-08) Mihreteab Tesfaye
The study was initiated with the objective of investigating and analyzing the vegetable marketingsupply in Shashogo district, Hadiya Zone in Central Ethiopia Regional State. Specifically the studyattempts to investigate the marketing supply of vegetables, to discover the major factors of market supply of vegetable in Shashogo district and to investigate problems and opportunities in vegetablemarketing in the study area. Descriptive analysis was employed to present result of the availablemarketing channels, to present the party who get the largest margin and to present the opportunitiesand challenges discovered by the study. Multiple linear regression models were employed to identifythe factors that determine the market supply of vegetable separately. Producers, brokers, local collectors, wholesalers, retailers and consumers were found the main actors of the vegetable marketingchannel in the study area. Similarly, the most important channel for vegetable in terms of volumewasidentified that starts with the producer and ends with the consumer including retailer as the onlyintermediary. Regarding share of margins, retailers were identified as the parties who take the largest both in vegetable markets channels. Retailer stake 30.3 percent of the final consumer price inthevegetable markets as and they take 54.16 percent of the final consumer price in vegetable market astheir new market model. The factors which determine market supply of vegetable were identifiedaseducation level of the household head, access to market, access to market information and price. For, the factors which determine its market supply were identified as education level of the household, experience and price. The major opportunities of vegetable marketing in the area were access toadequate human and natural resources, growing demand of vegetables and growing productionandmarketing experience of the farmers whereas, the major constraints were identified as poorinfrastructure, absence of agro-processing plant and lower access to market information. The studyfinally recommended the regional government to consider the production capacity of the areaandsolve marketing problems they face by mechanisms like initiating the federal government to plantingagro-processing industries and creating sustainable and shorter marketing channels in order toincrease and ensure the profitability of the vegetable producing households in Shashogo district.
DETERMINANT OF COMMERCIALIZATION OF TEFFFORSMALLHOLDER HOUSEHOLD IN THE CASE OF KINDOKOYSHADISTRICT WOLAITA ZONE SOUTH ETHIOPIA
(WOLKITE UNIVERSITY, 2025-06)
The main purpose of this study was to evaluate the determinants of tef commercializationinkindo koysha district. It is widely accepted that tef commercialization is one of the objectiveof farmers to fulfill their family basic needs. Having recognized this, the proposal has conductedthis study by focusing on the tef commercialization and the influencing factors. To this end, datawill be collected from primary sources. 94 individuals were randomly selected in proportionto the membership size of the tef commercialization. The data were collected throughquestionnaire. Both descriptive statistics and econometric analysis were employed for analytical purpose. The result shows that from the total respondents,32.98 %were female whocommercialize tef while 67.02 %, were male tef commercializes. In the regression analysis, variables like sex of house hold head ,distance to nearest market, family size ,intensityof fertilizer, farm experiences, and land size were found to have significant relationshiptothecommercialization of tef . Among these significant variables sex of household head, intensityof fertilizer ,and farm experience, total cultivated land size have positive relationshipwhiledistance to nearest market, and family size have negative relationship withtef commercialization. Based on the result, responsible producers need to give due attentiontoovercome strengthen, build their capacities mainly in tef commercializing and decisionmakingthat ultimately could increase their production of tef
DETERMINANTS THAT AFFECT AGRICULTURAL INPUT LOAN REPAYMENT IN CASE OF CHEHA WOREDA
(WOLKITE UNIVERSITY, 2025-08) MEKUANINT ALAMNIE
Agricultural input loan is the most important source of income for small farmers to purchase agricultural input and bring changes in the economic development of farmers. Even though, the loan should be repaid according to agreement reached between borrower and lender, but the farmers’ did not repay the loan on time. This study tries to identify determinants that affect agricultural input loan repayment of farmers in Cheha Woreda. Therefore, the major concern of the study was on identifying the major socio- economic and institutional factors that affect the loan repayment capacity of farmers in the Cheha Woreda. In this study, both primary and secondary data collected. Primary data collected by structured questionnaire from the sample of 100 household by multi stage sampling technique and secondary data collected from concerned organization in the study area. Analysis of the study conducted by descriptive statistics and econometrics models. Logistic regression results shows that variable such as education level, farm size and family size, are positively and significantly affects loan repayment of farmers, while, sex, age and distance from microfinance are significantly affects loan repayment of farmers negatively. Depending up on the analysis of the study,the recommendation were to improve agricultural input loan repayment in Cheha Woreda, it is essential to enhance education and training for farmers, ensuring they effectively utilize loans. Establishing microfinance institutions closer to communities should reduce logistical barriers. Additionally, creating farmer cooperatives can help stabilize prices and improve access to resources