AAU Institutional Repository (AAU-ETD)

Addis Ababa University Institutional repository is an open access repository that collects,preserves, and disseminates scholarly outputs of the university. AAU-ETD archives' collection of master's theses, doctoral dissertations and preprints showcase the wide range of academic research undertaken by AAU students over the course of the University's long history.

How to Submit Your Work

The repository contains scholarly work, both unpublished and published, by current or former AAU faculty, staff, and students, including Works by AAU students as part of their masters, doctoral, or post-doctoral research

  • All AAU faculty, staff, and students are invited to submit their work to the repository. Please contact the library at your college.

You may contact digirep@aau.edu.et.with any questions about the repository

 

Recent Submissions

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Digital Financial Services and Operational Risks in Ethiopia: Implications for the Necessary Regulatory Frameworks
(A.A.U, 2024-05-06) Mahlet Tsegaye; Abebe Yitayew (Phd)
Research aims: This research aims understanding the nature of operational risks as well as review of existing regulatory frameworks. Design/Methodology/Approach: By using qualitative research methods, face to face as well as virtual interviews with fintech representatives (CEOs, risk management experts, legal personnel), and bank CTO (chief technical officers) the task was able to secure important information. The data was thematically coded and validated with the above data sources. Research findings: Analysis revealed: (1) even officers at the respective organizations do not give many emphases to operational risks compared to the others, (2) there are new and innovative ways and approaches that fraudsters use to convince novice digital financial service users, (3) existing regulatory frameworks are not up to date, not complete enough to deal with such sophisticated approaches. Research Recommendation: the researcher recommends the regulatory body to begin collaborating closely with the providers of digital financial services in order to establish regulations, develop close monitoring protocols, and develop a strategy for continuous improvement in closing the gaps and creating a suitable environment for the digital financial industry.
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Effect of Export Incentive on Export Performance in Ethiopia
(A.A.U, 2022-01-11) Samson Beletikachew; Yohannes Workaferahu (Phd)
In today’s challenging and market competitiveness world, the Ethiopian government introduces and implements fiscal and non-fiscal scheme to promote and encourage export trade. The main purpose of this study was to the Effect of Export Incentive on Export Performance in Ethiopia. The researcher used Descriptive and Explanatory type of the research design to explore the relationship between Export Incentive and Export Performance. The researcher used both primary and secondary data. The primary data obtained through a structured questionnaire prepared from export companies whereas the secondary data from reports, published and unpublished documents. The target population was 132 export companies. The convenience sampling technique was used. The study used questionnaires as a tool for data collection. Two separate instruments export incentive practice and export performance Assessment Instrument were used to measure export incentive practice and export performance respectively. In order to test the reliability of the instrument, the Crobanch alpha test was the responses of the respondents were analyzed using descriptive Statistics, correlation, and regression. The findings of the study showed that export incentive practice, Such as duty draw-back scheme, the voucher scheme, the bonded export factory scheme, the bonded manufacturing warehouse scheme, the bonded input supplies warehouse scheme; and the industrial zone scheme. Export Performance In terms of value (Total Amount of export per annum) performance linkage as independent variable and as the dependent variable.
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The Implication of the upcoming capital market on Ethiopian Commercial Banks
(A.A.U, 2024-06-04) Melktu Geremew; Advisor: Degefa Duressa (PhD)
This thesis explores the potential implications of the upcoming capital market on Ethiopian commercial banks. The research aims to identify the potential benefits and challenges that can arise from the introduction of the capital market for these banks. Using descriptive research design and content analysis method was employed, the study focused on five purposively selected banks: Awash Bank, Dashen Bank, Abyssinia Bank, Hibret Bank, and Zemen Bank. The findings suggest that the capital market can bring about several benefits, including improved risk management, access to long-term financing, and a wider range of funding sources. Additionally, it can lead to operational streamlining, innovation, and the evolution of commercial banks into comprehensive financial institutions. However, the introduction of the capital market also poses challenges, such as exposing skill and technological gaps, and introducing new risks associated with new financial instruments. To capitalize on the opportunities presented by the capital market, the researcher recommends that commercial banks invest in staff training, technological advancement, and diversification of their services to meet the needs of the capital market.
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The Effect of Training and Development on Employee’s Performance at Bank of Abyssinia
(A.A.U, 2024-06-25) Kaleb Tekeste; Tewdros Wuhib (Assistant Professor)
Nothing gets done in an organization without workers, including the most valuable assets such as machines, supplies, and cash. Because of the dynamic nature of humans, it is critical that employees receive continual training and development in order to compete in today's marketplace. Employee performance is the most important factor in improving an organization's overall performance. This study will look at how training and development affect employee performance, specifically at the Bank of Abyssinia. As a result, the research design was a descriptive and correlational study. To achieve the purpose of this study, 100 questionnaires were issued, and 92 of them were successfully gathered and analyzed using descriptive statistical analysis (mean and standard deviation), correlation, and regression analysis using SPSS 26. Version. Both primary and secondary source of data were used for this Study. The method of data collection was questionnaire in the form of both open ended and closed ended questions. Through the selection of four branches (one from each), as well as district and head office staffs, this study was carried out throughout all four grade branches of BOA, ranging from Grade 1-3 and the corporate branch. according to the fact that branches with the same grade are uniform in every respect according to the standards of the bank, and because they all have the same organizational structure, behavior, and culture, as well as the same working environment, branches will be chosen at random. Finally, after the study, the researcher found that the training design and employee performance were positively correlated and had strong correlation between them. Then, the recommendations were based on the findings which affects employees’ performance in the case of Bank of Abyssinia.
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The Effect of Credit Risk on Profitability of Private Commercial Banks in Ethiopia
(A.A.U, 2022-04-12) Gzat Tarekegn; Alem Hagos (Phd)
Since extending credit is one of the primary sources of revenue for commercial banks, the credit risk associated with that loan has an effect on the profitability of bank. The purpose of this study is to examine the effect of credit risk on profitability in six sample Ethiopian private commercial banks using panel data from 2010 to 2020. The study employs a quantitative approach and relies on the description of EViews 10 outputs, with empirical analysis conducted using a fixed effect regression model. In the model the researcher define Return on Asset (ROA) as profitability indicator while nonperforming loan ratio, capital adequacy ratio, loan loss provision ratio, liquidity ratio, bank size, interest spread rate, inflation and GDP as credit risk indicators. Secondary data used for six banks which stayed in the industry for twenty or more years among sixteen private commercial banks which are operational at the moment in Ethiopian banking industry. Data for this analysis obtained from banks‟ annual reports, National Bank annual reports, Ministry of Finance, and Economic Development. The regression result shows that non-performing loan ratio and loan loss provision ratio show negative and significant effect on profitability of private commercial banks in Ethiopia. However, capital adequacy ratio, bank size, liquidity ratio and GDP show positive and significant effect on profitability of private commercial banks in Ethiopia. The research concluded that credit risk has significant effect on profitability of private commercial banks in Ethiopia. Hence, the study recommend in support of each variable for private commercial banks in Ethiopia needs strong credit risk management policy by learning from other developed countries that have better experience in the industry, improving performance needs well established standards and overall objectives to reduce the level of credit risk exposures.