Assessment of Credit Provision Mechanism of Development Bank of Ethiopia. Case of Arbaminch Branch PDF Download
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Author: Mekuanint Abera Timbula
Publisher: GRIN Verlag
ISBN: 3668856346
Category : Business & Economics
Languages : en
Pages : 18
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Book Description
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
Author: Mekuanint Abera Timbula
Publisher: GRIN Verlag
ISBN: 3668856346
Category : Business & Economics
Languages : en
Pages : 18
Get Book Here
Book Description
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
Author: Kebede Adane
Publisher: GRIN Verlag
ISBN: 3346298728
Category : Business & Economics
Languages : en
Pages : 82
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Book Description
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.
Author: Mequanint Zeleke
Publisher: GRIN Verlag
ISBN: 3346123812
Category : Business & Economics
Languages : en
Pages : 68
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Book Description
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.
Author: Janelle Plummer
Publisher: World Bank Publications
ISBN: 0821395327
Category : Business & Economics
Languages : en
Pages : 448
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Book Description
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.
Author: Nadine Appelhans
Publisher: transcript Verlag
ISBN: 3839437156
Category : Social Science
Languages : en
Pages : 235
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Book Description
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.
Author: Jennefer Sebstad
Publisher:
ISBN: 9781888753219
Category : Economic assistance
Languages : en
Pages : 115
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Book Description
Author: Claudia J. Carr
Publisher: Springer
ISBN: 331950469X
Category : Law
Languages : en
Pages : 252
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Book Description
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.
Author: Mulugeta Lemenih
Publisher: CIFOR
ISBN: 602869357X
Category : Arid regions
Languages : en
Pages : 106
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Book Description
This publication is intended to serve researchers and teachers as well as development practitioners. It was prepared based on requests from CIFORs 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.
Author: John Stanturf
Publisher: Springer Science & Business Media
ISBN: 9400753268
Category : Science
Languages : en
Pages : 322
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Book Description
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.
Author: Beyan Kedir
Publisher: GRIN Verlag
ISBN: 3346385760
Category : Business & Economics
Languages : en
Pages : 82
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Book Description
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.
