Accounting and Finance

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Browsing Accounting and Finance by Author "Abate, Sewale (Dr.)"

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    Determinants of lending Decision of Private Commercial Banks Ethiopia
    (A.A.U, 2021-06) Zeleke, Abay; Abate, Sewale (Dr.)
    The main objective of this study was to examine the determinants of lending decisions of private commercial banks in Ethiopia from year 2011 to 2020.The study used panel data of eight private commercial banks of Ethiopia selected purposively. The study applied explanatory research design and secondary data were analyzed through multiple linear regression models of the bank’s lending decision; Loan and advance (LOA). Random effect regression model were applied to analyze the effect of asset quality, capital adequacy, liquidity, lending interest rate, money supply, return on equity and volume of deposit on lending decision of private commercial banks. The finding of the study indicates that volume of deposit, Liquidity, Capital adequacy, Money supply and asset quality have significant effect on lending decisions of private commercial banks in Ethiopia, Whereas, return on equity and Interest rate have insignificant effect on lending decisions of private commercial banks in Ethiopia.
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    The Effect of Electronic Banking Service Quality on Customer Satisfaction: The Case of Zemen Bank S.C
    (A.A.U, 2022-01) Nigussie, Hana; Abate, Sewale (Dr.)
    The research is undertaking on the effect of electronics banking on the customers’ satisfaction in Zemen Bank. Since customer satisfaction is a high priority as one of the goals of Zemen bank, this study aims to investigate the effect of e banking on customer satisfaction. This study has been explanatory research regarding purpose and/or research design. Qualitative and quantitative research approach was used. The statistical population consists of 384customers of CBE. Moreover, structured questionnaires were used to collect the information. The questionnaires were developed in two sections by the researcher. Inferential and descriptive data analysis technique has been used. The validity of the questionnaire was confirmed by a group of experts. Furthermore, SPSS version 20 software has used to analyze the data. The major findings of this study were service performance and service security of e-banking has been significant factor on customer satisfaction. The researcher concludes that there was a linear relationship between e-banking and customer satisfaction. There is the need to create awareness and educate majority of the banking population or users on e-banking especially in mobile and internet banking as a recommendation.