Assessment of Credit Provision Mechanism of Development Bank of Ethiopia. Case of Arbaminch Branch

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Publisher : GRIN Verlag
ISBN 13 : 3668856346
Total Pages : 18 pages
Book Rating : 4.6/5 (688 download)

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Book Synopsis Assessment of Credit Provision Mechanism of Development Bank of Ethiopia. Case of Arbaminch Branch by : Mekuanint Abera Timbula

Download or read book Assessment of Credit Provision Mechanism of Development Bank of Ethiopia. Case of Arbaminch Branch written by Mekuanint Abera Timbula and published by GRIN Verlag. This book was released on 2018-12-19 with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt: Literature Review from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, Jimma University College of Agriculture and Veterinary Medicine, language: English, abstract: The study was focused on the assessment of credit provision mechanism of development bank of Ethiopia Arbiminch branch. To do so the researcher was used both primary and secondary data, among the primary data interview and questionnaire was used. Secondary data like development bank of Ethiopia Arbaminch branch credit manual, books and other documents was used. The study paper addresses an introductory statement of problem from total population of credit customers of development bank of Ethiopia Arbiminch branch by taking 100 samples through judgmental sampling. The collected data was analyzed and presented using descriptive analysis technique like tables percentages, pie chart, bar graphs. Finally based on findings the possible conclusion and recommendation was developed. The findings of the study indicated that the bank‘s lending procedure has a problem. Such as long processing time, limited loan amount, repetition of documents during renewal, time taking and misunderstanding with the customer as well as the problem on determine the value of collateral security. Key words: Development Bank, credit, Ethiopia

Credit Risk Management in the Development Bank of Ethiopia. Effects on the Quality of Loan Portfolio

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Publisher : GRIN Verlag
ISBN 13 : 3346298728
Total Pages : 82 pages
Book Rating : 4.3/5 (462 download)

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Book Synopsis Credit Risk Management in the Development Bank of Ethiopia. Effects on the Quality of Loan Portfolio by : Kebede Adane

Download or read book Credit Risk Management in the Development Bank of Ethiopia. Effects on the Quality of Loan Portfolio written by Kebede Adane and published by GRIN Verlag. This book was released on 2020-11-18 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2020 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , course: Business Adminstration, language: English, abstract: The main objective of the thesis is to assess the effect of credit risk management on the quality of loans portfolio in the case of Development Bank of Ethiopia. A sample of 84 respondents was drawn from the employees of the Development Bank of Ethiopia by using purposive sampling technique. Both primary and secondary data were used. Data related to loan portfolio and loan position is obtained from the bank whereas, primary data are collected using structured questioners from the employees of the bank. Descriptive and inferential statistics were used to conduct the research and Multiple Regression Analysis was run using SPSS Version 21.0 to analyze the data. With regard to credit risk management practices, the result show that DBE has not satisfactory risk Management practice. Precisely, using score 1 (poor) to 5 (best), all the parameters of risk management practice assessment have a score value below 3.40, i.e. Credit Risk Granting and Portfolio Quality Control (3.40), Credit Risk System and Standard (3.20), Credit Risk and Portfolio Quality Control (3.17), Risk Identification, Measurement and Control (3.03), and Risk Environment (2.98). The Bank`s loan portfolio is also more vulnerable to various types of risks, such as to unpredictable risk, predictable, and controllable risks. The bank’s NPL ratio was above 15% for the last five years. The regression result also showed that sound credit granting process and the existence of comprehensive risk management system and standards are the significant variables that affect loan portfolio quality of the Bank. Credit risk management practice of the bank has insignificant effect on loan portfolio quality. Both in terms of Non-performing loan and concentration, DBE has poor loan portfolio quality which is due to the bank’s poor credit risk management practice. Therefore, there is a need to improve and enhance credit risk management practice of the Bank, especially, by improving the credit granting process to have sound credit risk management, and by updating credit risk management system and standards so as to have strong credit management.

Factors Affecting Non-Performing Loan in the Case of the Development Bank of Ethiopia

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Publisher : GRIN Verlag
ISBN 13 : 3346123812
Total Pages : 68 pages
Book Rating : 4.3/5 (461 download)

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Book Synopsis Factors Affecting Non-Performing Loan in the Case of the Development Bank of Ethiopia by : Mequanint Zeleke

Download or read book Factors Affecting Non-Performing Loan in the Case of the Development Bank of Ethiopia written by Mequanint Zeleke and published by GRIN Verlag. This book was released on 2020-03-02 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (undergraduate) from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: This study is attempted to examine factors affecting non -performing loan of development bank of Ethiopia. The main objective is to examine the factors affecting nonperforming loans in DBE central region. After problem identification, research hypothesis was developed which inquires the relationship and effect of non-performing loans on development bank of Ethiopia. Both secondary and primary data were used in the research. The data is then analyzed using descriptive, correlation and regression techniques through SPSS and Stata software program. The findings of the study revealed that gross domestic product has a positive impact on the occurrence of non-performing loans while other model variables unemployment, inflation rate and exchange rate have no impact on the occurrence of non-performing loan in which negatively affect non-performing loan. according to my study result. Also the result of the primary data indicated that in regarding about customer's specific causes, the result showed that credit culture of customers, lack of business knowledge, delayed approval, profit of the business, business location were determinants of non-performing loan while bank specific factors include poor credit assessment, poor customer selection, aggressive lending policy, borrowers culture, credit size affected non-performing loan.

Factors Influencing Adoption of Interest Free Banking Products and Services in Ethiopia

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Publisher : GRIN Verlag
ISBN 13 : 3346385760
Total Pages : 82 pages
Book Rating : 4.3/5 (463 download)

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Book Synopsis Factors Influencing Adoption of Interest Free Banking Products and Services in Ethiopia by : Beyan Kedir

Download or read book Factors Influencing Adoption of Interest Free Banking Products and Services in Ethiopia written by Beyan Kedir and published by GRIN Verlag. This book was released on 2021-04-13 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2020 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: The main objective of this study is to identify the major factors influencing the adoption of Interest free banking products and services among customers in Bale Robe town. The research employs decomposed theory of planned behavior to investigate the influence of customer’s behavior towards adoption of interest-free banking product and services by using customers attitude attribute social influence and perceived behavioral control. Both qualitative and quantitative research approach were applied in the study. The target populations were 13050 customers of four banks in Robe town and the total sample size were 388. A purposive sampling technique was applied. Primary and secondary data were used with five point liker scales to collect data from respondents. Both descriptive and inferential statistics analysis were employed to analyze the data. Interest free banking is inseparable of Islamic economics which aimed at realization of a greater justice in human endeavor, which is achievable only with participation of all human institution inclusive of financial system. On the principle that prohibits interest and other unethical and non shariah compliant activities, Islamic banking set to achieve this gigantic objective. In addition, it strive on increasing all Halal aspect of business through provision of products and services base on shariah principle with implementation of legitimate profit and loss sharing, paying Zakah, prohibition of interest, monopoly and other forms of unethical trade and transaction such as dealing with pork, alcohol and gambling. Hence, Islamic banking method of financing and or products structure is based on the tract to redress the inherent injustice tied with interest based dealing.

Historic and Ethnic Development of Ethiopia

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Publisher : GRIN Verlag
ISBN 13 : 3638550184
Total Pages : 10 pages
Book Rating : 4.6/5 (385 download)

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Book Synopsis Historic and Ethnic Development of Ethiopia by : Simon Stumpf

Download or read book Historic and Ethnic Development of Ethiopia written by Simon Stumpf and published by GRIN Verlag. This book was released on 2006-09-29 with total page 10 pages. Available in PDF, EPUB and Kindle. Book excerpt: Essay from the year 2002 in the subject Geography / Earth Science - Regional Geography, grade: 2,0, University of Trier, course: Regional Seminary Ehtiopia, 9 entries in the bibliography, language: English, abstract: Regarding the history of african nations, Ethiopia is commonly considered as one of the most unique countries of Africa. One of the reasons for its originality and cultural richness is the fact that Ehtiopia, during his long history as a sovereign state has never been colonized by any of the European powers. But nowadays in the western world Ethiopia is unfortunately rather associated with naturals disasters and wars. Most of these wars, which constitute the main cleavage lines of inner-ethiopian conflicts were fought among ethnic groups. To have a better understanding of those conflicts as well as towards a better understanding of the current demographic dynamics it could be very helpful to have a brief look at Ethiopian history. In order to describe the main turning points of Ethiopia's rich history we should have an idea about its ethnic development. Following that question this presentation is divided in four chapters which also generally mark the four main sections of Ethiopian history: the kingdom of Axum, the modernisation from Emperor Theodore to Emperor Haile Selassie, the marxist period under Haile Mengistu and finally the current situation since 1991.

Diagnosing Corruption in Ethiopia

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Publisher : World Bank Publications
ISBN 13 : 0821395327
Total Pages : 448 pages
Book Rating : 4.8/5 (213 download)

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Book Synopsis Diagnosing Corruption in Ethiopia by : Janelle Plummer

Download or read book Diagnosing Corruption in Ethiopia written by Janelle Plummer and published by World Bank Publications. This book was released on 2012-07-06 with total page 448 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is a study of the nature of corruption in Ethiopia. It maps eight key sectors. The diagnostics strongly suggest that, in Ethiopia, corrupt practice in the delivery of basic services is potentially much lower than other low-income countries, but that there are emerging patterns in sector level corruption.

Urban Planning and Everyday Urbanisation

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Publisher : transcript Verlag
ISBN 13 : 3839437156
Total Pages : 235 pages
Book Rating : 4.8/5 (394 download)

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Book Synopsis Urban Planning and Everyday Urbanisation by : Nadine Appelhans

Download or read book Urban Planning and Everyday Urbanisation written by Nadine Appelhans and published by transcript Verlag. This book was released on 2016-12-31 with total page 235 pages. Available in PDF, EPUB and Kindle. Book excerpt: Urbanisation in Bahir Dar, Ethiopia, poses challenges to urban living conditions. Despite large scale housing programmes from the side of the government, construction and settling processes have largely remained incremental. Nadine Appelhans focuses on the relation between statutory planning and practices of everyday urbanisation. The findings from Bahir Dar suggest that some mundane regimes of building the city are patronised, while others are considered undesired by policy makers. Based on this insight, the author argues that urban development in Bahir Dar needs to be locally grounded, differentiated and inclusive to avoid further tendencies of segregation.

Adoption of Electronic Banking in Ghana Banking System

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Publisher : GRIN Verlag
ISBN 13 : 3656850046
Total Pages : 53 pages
Book Rating : 4.6/5 (568 download)

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Book Synopsis Adoption of Electronic Banking in Ghana Banking System by : Dr. David Ackah

Download or read book Adoption of Electronic Banking in Ghana Banking System written by Dr. David Ackah and published by GRIN Verlag. This book was released on 2014-11-28 with total page 53 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (postgraduate) from the year 2014 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: A, ( Atlantic International University ) (School of Business and Economics), course: Ph.D. Economics, language: English, abstract: Electronic banking (e-banking) has brought about a revolution in the functioning of banks as it offers major opportunities to banks and their customers. This has made the transition to electronic banking a necessity for banks in order to be viable. Despite its benefits, developing countries still lag behind in the adoption of electronic banking. This study therefore seeks to examine the adoption of e-banking in the Ghanaian banking industry with Guaranty Trust Bank Ghana Limited (GTBank) as the case study to identify the benefits, challenges and critical success factors for the adoption of e-banking in the Ghanaian banking industry. The research made use of questionnaires and interviews to collect data from staff and customers of GTBank. The results of the study indicated that e-banking adoption was a business strategy taken by the bank in response to customer needs and the changing marketing trends in the banking industry. The benefits, challenges and critical success factors of e-banking are also identified and discussed. From the study it is obvious that tremendous benefitssuch as revenue generation, improvement in productivity and efficiency in service delivery and cost savings were derived from e-banking. The lack of a solid technology infrastructure was identified as a major challenge of e-banking adoption in the country. The study however revealed that there is a promising future for e-banking in Ghana.Some recommendations to enhance the adoption of e banking in country are made based on this study.

The Impact of New Technology and Mobile Banking in Africa. A Case Study of the Standard Bank South Africa

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Publisher : GRIN Verlag
ISBN 13 : 3346073076
Total Pages : 9 pages
Book Rating : 4.3/5 (46 download)

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Book Synopsis The Impact of New Technology and Mobile Banking in Africa. A Case Study of the Standard Bank South Africa by : Difrine Madara

Download or read book The Impact of New Technology and Mobile Banking in Africa. A Case Study of the Standard Bank South Africa written by Difrine Madara and published by GRIN Verlag. This book was released on 2019-11-28 with total page 9 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seminar paper from the year 2019 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: A, Kenyatta University, language: English, abstract: This paper explores the impact of new technology and mobile banking in the entire financial sector in Africa. The paper focuses on the case of Standard Bank South Africa to assist in understanding the challenges faced by the major commercial banks in adopting new banking technologies in less developed worlds, such as Africa. To realize the primary goal of this paper, the researcher discusses how technology can help Standard Bank to move forward in the aftermath of the 2008/9 financial crisis and the new opportunities for the bank to grow its financial service businesses. Furthermore, the research suggests how new technological applications in the financial services sector can help Africans to escape poverty and if diversification is appropriate for a diverse bank, such as Standard Bank. Technology has immensely transformed business-to-business and within business transactions and interactions. Technological applications are enabling reconfiguration of design, production, marketing, and service delivery in most businesses. For instance, the design reconfigurations have allowed for the implementation of online marketplaces, mobile business activities, such as mobile banking, and better risk assessment. In the emerging financial markets of Africa, disruptive market innovations and reconstituted value chains have become key drivers of the growingfinancial services industry. Despite the huge benefits of financial innovations, conventional financial services providers, such as banks, finance companies, microfinance institutions, and insurance must be wary of the new risks and challenges posed by these financial technologies. For a major bank like the Standard Bank, financial innovations, such as e-banking and mobile banking present both new opportunities and threats to its core businesses.

River Basin Development and Human Rights in Eastern Africa — A Policy Crossroads

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Publisher : Springer
ISBN 13 : 331950469X
Total Pages : 240 pages
Book Rating : 4.3/5 (195 download)

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Book Synopsis River Basin Development and Human Rights in Eastern Africa — A Policy Crossroads by : Claudia J. Carr

Download or read book River Basin Development and Human Rights in Eastern Africa — A Policy Crossroads written by Claudia J. Carr and published by Springer. This book was released on 2017-01-05 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is open access under a CC BY-NC 2.5 license. This book offers a devastating look at deeply flawed development processes driven by international finance, African governments and the global consulting industry. It examines major river basin development underway in the semi-arid borderlands of Ethiopia, Kenya and South Sudan and its disastrous human rights consequences for a half-million indigenous people. The volume traces the historical origins of Gibe III megadam construction along the Omo River in Ethiopia—in turn, enabling irrigation for commercial-scale agricultural development and causing radical reduction of downstream Omo and (Kenya's) Lake Turkana waters. Presenting case studies of indigenous Dasanech and northernmost Turkana livelihood systems and Gibe III linked impacts on them, the author predicts agropastoral and fishing economic collapse, region-wide hunger with exposure to disease epidemics, irreversible natural resource destruction and cross-border interethnic armed conflict spilling into South Sudan. The book identifies fundamental failings of government and development bank impact assessments, including their distortion or omission of mandated transboundary assessment, cumulative effects of the Gibe III dam and its linked Ethiopia-Kenya energy transmission 'highway' project, key hydrologic and human ecological characteristics, major earthquake threat in the dam region and widespread expropriation and political repression. Violations of internationally recognized human rights, especially by the Ethiopian government but also the Kenyan government, are extensive and on the increase—with collaboration by the development banks, in breach of their own internal operational procedures. A policy crossroads has now emerged. The author presents the alternative to the present looming catastrophe—consideration of development suspension in order to undertake genuinely independent transboundary assessment and a plan for continued development action within a human rights framework—forging a sustainable future for the indigenous peoples now directly threatened and for their respective eastern Africa states. Claudia Carr’s book is a treasure of detailed information gathered over many years concerning river basin development of the Omo River in Ethiopia and its impact on the peoples of the lower Omo Basin and the Lake Turkana region in Kenya. It contains numerous maps, charts, and photographs not previously available to the public. The book is highly critical of the environmental and human rights implications of the Omo River hydropower projects on both the local ethnic communities in Ethiopia and on the downstream Turkana in Kenya. David Shinn Former Ambassador to Ethiopia and to Burkina Faso Adjust Professor of International Affairs, The George Washington University, Washington D.C.

An Assessment of Indigenous Conflict Resolution Mechanism of Mezard in Rural Alamata Woreda, Tigray National Regional State, Ethiopia

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Publisher : GRIN Verlag
ISBN 13 : 3656424756
Total Pages : 77 pages
Book Rating : 4.6/5 (564 download)

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Book Synopsis An Assessment of Indigenous Conflict Resolution Mechanism of Mezard in Rural Alamata Woreda, Tigray National Regional State, Ethiopia by : Yonas Berhe

Download or read book An Assessment of Indigenous Conflict Resolution Mechanism of Mezard in Rural Alamata Woreda, Tigray National Regional State, Ethiopia written by Yonas Berhe and published by GRIN Verlag. This book was released on 2013-05-03 with total page 77 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2012 in the subject Politics - Topic: Development Politics, grade: Very Good, , course: Development Studies, language: English, abstract: This study deals with indigenous conflict resolution mechanism in Rural Alamata woreda specifically in the institution called Mezard exercised by the Raya people. The study was aimed at examining the Mezard indigenous institution of conflict resolution. The research design employed for this study was case study research design. To this end purposive sampling design was used, employing 24 total sample sizes. Its composition was from indigenous judges, court leaders, to explore the sustainability of the institution, the enforceability, strengths and weaknesses and its role in maintaining peace and stability in the area. This study was conducted using unstructured interview as the main data collection instrument along with focus group discussion employing open ended questions to supplement the data gathered from the key informants. Accordingly, the study finding shows sustainability of the institution is being in formidable challenges, this is mainly because of its less attention on transferring the practice to the young generation and some forces of modernization, etc. With regard to enforceability, the decisions passed by the institution are found to be high in being accepted by the community of the study area. In order to integrate Mezard indigenous conflict resolution mechanism with the formal court legalizing their role and defining their jurisdiction is so important. In addition advancing affirmative action, increasing the income of women by creating new job opportunities, give chance the youth to decide on their matters continually, raising finance generated from the community, etc can help the sustainability of the Mezard institution of conflict resolution. Key words: Erq, indigenous conflict resolution, Mezard, Tabia, Wonz

Opportunities and Challenges for Sustainable Production and Marketing of Gums and Resins in Ethiopia

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Publisher : CIFOR
ISBN 13 : 602869357X
Total Pages : 106 pages
Book Rating : 4.0/5 (286 download)

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Book Synopsis Opportunities and Challenges for Sustainable Production and Marketing of Gums and Resins in Ethiopia by : Mulugeta Lemenih

Download or read book Opportunities and Challenges for Sustainable Production and Marketing of Gums and Resins in Ethiopia written by Mulugeta Lemenih and published by CIFOR. This book was released on 2011-01-01 with total page 106 pages. Available in PDF, EPUB and Kindle. Book excerpt: This publication is intended to serve researchers and teachers as well as development practitioners. It was prepared based on requests from CIFOR’s national partners in Ethiopia and the region to compile existing information and help address the lack of documents available for teaching graduate and undergraduate students about the management of forests in dryland areas in general, and the production and marketing of gums and resins in particular.

Microfinance, Risk Management and Poverty

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Publisher :
ISBN 13 : 9781888753219
Total Pages : 115 pages
Book Rating : 4.7/5 (532 download)

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Book Synopsis Microfinance, Risk Management and Poverty by : Jennefer Sebstad

Download or read book Microfinance, Risk Management and Poverty written by Jennefer Sebstad and published by . This book was released on 2001 with total page 115 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Forest Landscape Restoration

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Publisher : Springer Science & Business Media
ISBN 13 : 9400753268
Total Pages : 322 pages
Book Rating : 4.4/5 (7 download)

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Book Synopsis Forest Landscape Restoration by : John Stanturf

Download or read book Forest Landscape Restoration written by John Stanturf and published by Springer Science & Business Media. This book was released on 2012-11-28 with total page 322 pages. Available in PDF, EPUB and Kindle. Book excerpt: Restoration ecology, as a scientific discipline, developed from practitioners’ efforts to restore degraded land, with interest also coming from applied ecologists attracted by the potential for restoration projects to apply and/or test developing theories on ecosystem development. Since then, forest landscape restoration (FLR) has emerged as a practical approach to forest restoration particularly in developing countries, where an approach which is both large-scale and focuses on meeting human needs is required. Yet despite increased investigation into both the biological and social aspects of FLR, there has so far been little success in systematically integrating these two complementary strands. Bringing experts in landscape studies, natural resource management and forest restoration, together with those experienced in conflict management, environmental economics and urban studies, this book bridges that gap to define the nature and potential of FLR as a truly multidisciplinary approach to a global environmental problem. The book will provide a valuable reference to graduate students and researchers interested in ecological restoration, forest ecology and management, as well as to professionals in environmental restoration, natural resource management, conservation, and environmental policy.

The Nile River Basin

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Publisher : Routledge
ISBN 13 : 1849712832
Total Pages : 346 pages
Book Rating : 4.8/5 (497 download)

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Book Synopsis The Nile River Basin by : Seleshi Bekele Awulachew

Download or read book The Nile River Basin written by Seleshi Bekele Awulachew and published by Routledge. This book was released on 2012 with total page 346 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Nile is the world's longest river and sustains the livelihoods of millions of people across ten countries in Africa. This book provides unique and up-to-date insights on agriculture, water resources, governance, poverty, productivity, upstream-downstream linkages, innovations, future plans and their implications.

Building a Better Credit Record

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Publisher :
ISBN 13 :
Total Pages : 20 pages
Book Rating : 4.:/5 (31 download)

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Book Synopsis Building a Better Credit Record by : Colleen Tressler

Download or read book Building a Better Credit Record written by Colleen Tressler and published by . This book was released on 1999 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Improving Health Service Delivery in Developing Countries

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Publisher : World Bank Publications
ISBN 13 : 0821379437
Total Pages : 366 pages
Book Rating : 4.8/5 (213 download)

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Book Synopsis Improving Health Service Delivery in Developing Countries by : David H. Peters

Download or read book Improving Health Service Delivery in Developing Countries written by David H. Peters and published by World Bank Publications. This book was released on 2009 with total page 366 pages. Available in PDF, EPUB and Kindle. Book excerpt: Reliable information on how health service strategies affect the poor is in short supply. In an attempt to redress the imbalance, 'Improving Health Service Delivery in Developing Countries' presents evidence on strategies for strengthening health service delivery, based on systematic reviews of the literature, quantitative and qualitative analyses of existing data, and seven country case studies. The authors also explore how changes in coverage of different health services affect each other on the national level. Finally, the authors explain why setting international targets for health services has been not been successful and offer an alternative approach based on a specific country's experience.The book's findings are clear and hopeful: There are many ways to improve health services. Measuring change and using information to guide decisions and inform stakeholders are critically important for successful implementation. Asking difficult questions, using information intelligently, and involving key stakeholders and institutions are central to the "learning and doing" practices that underlie successful health service delivery.