Browsing by Author "Adem Kedir (PhD)"

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    Assessing the Challenges and Prospects of Deposit Mobilization in Bunna Bank: A Case Study of Selected Branches in East Addis Ababa District
    (AAU, 2024-12-24) Fikremariam Abebe; Adem Kedir (PhD)
    In this study, the primary aim of this project was to Assessing the Challenges and Prospects of Deposit Mobilization in Bunna Bank selected branches in East Addis Ababa District. The panel data covered the period from 2018-2023 and using Primary data from 30 sampled respondents of experienced employee of the bank. Descriptive method design approaches were adopted for the study and none probability sampling techniques or purposive sampling used to collect data. This study data collection depended on both primary and secondary data. Primary data obtained through quaternary and secondary data collected from panel data and document review. The key finding was that shows the challenges for deposit mobilization in Bunna bank, The survey identified that, Competition in the banking industry ,cumbersome (complicated) account opening procedure and process , Service delay and duplication, inadequate provision of loans to customers, Poor Customer Service, Less Availability and functional modern ICT facilities, Time consuming loan application process, Location of the branch are inconvenient for customers, poor service delivery and inflation, political instability, and unstable economic conditions are the major challenges for banks deposit mobilization. Finally the management must look, client handling culture and services right the first time improving service quality standard of the bank to introduce to which will enhance deposit mobilization and should prepare for competition that will arise from local bank.
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    Assessing the Practice, Challenge and Prospects of Health Professional Ethics in Community Service: The Case of Alert Comprehensive Specialized Referral Hospital, Ethiopa
    (A.A.U, 2024-10-18) Seyoum Shiferaw; Adem Kedir (PhD)
    The study is conducted to assess challenges, prospects and practice of health professional ethics in community service in reference to ALERT Comprehensive Specialized Referral Hospital. To achieve the research objective descriptive research design was applied. The target population for this study constituted of health professionals and the community. Pertinent data for the study were gathered through structured and open ended questionnaires. This study also used purposive and simple random sampling techniques. Lastly descriptive techniques were used to analyze study participants’ biography, and the practice of ethical principles of health professional. The qualitative part of the study was analyzed using narrative description method. The findings are summarized as follows. In ALERT Comprehensive Specialized Referral Hospital; Health professionals don’t provide freedom to the community. “This day we are pursuing normative approach rather than being pragmatic i.e.; we follow strict rule; so, this would be considered as the condition backing the implementation of professional ethics”. Based on the finding the study concluded that the overall implementation of professional ethics, in terms of beneficence, is at inadequate level. So, it is better for the referral hospital to put its effort for the beneficence aspect of professional ethics would be improved. On the other hand, referral hospital is in constraints with various challenges. For instance, there is poor relationship between administrators and health professionals. So, in this regard it is better for the referral hospital to reconsider mentorship. The supervisor should not be a boss rather it is also expected for the supervisor to be mentor. Mentorship training packages should be organized to realize professional ethics Key words: Health professional ethics, beneficence, confidentiality, privacy, justice
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    Strategies for Increasing Ethiopia’s Tax-To-Gdp Ratio Equitably
    (A.A.U, 2025-06-26) Brook Leulseged; Adem Kedir (PhD)
    Despite sustained economic growth, Ethiopia’s tax-to-GDP ratio fell sharply from 12.7% in 2013 to 6.2% in 2024, exposing critical fiscal vulnerabilities. This study explores the disconnect between GDP growth and tax performance, with a focus on sectoral composition. The study aims to assess how growth in the industry and service sectors has influenced Ethiopia’s tax-to-GDP ratio, while identifying key tax instruments behind the decline and proposing reform strategies. Using 24 years of national accounts data, the study applies Isometric Log-Ratio (ILR) transformation to manage GDP’s compositional constraints. It also analyzes tax instruments—VAT, trade taxes, and business income tax—vis a vis GDP growth. Industry growth, particularly in construction, shows a negative association with tax performance (–1.49; p = 0.090), likely due to informality and tax-exempt public projects. Service sector expansion shows a modest positive effect (+4.94; p = 0.064), reflecting greater formalization. VAT contributed the largest revenue loss (–2.43 points), followed by trade taxes (–1.05) and business income tax (–0.72). Inflation above 30% has distorted compliance and expanded the VAT base artificially, creating a threshold inflation trap. The study recommends reducing exemptions, expanding e-invoicing, and tightening customs audits as quick wins, alongside equity-focused measures like simplifying presumptive taxes and enabling mobile SME registration. It also urges restructuring the Medium-Term Revenue Strategy around VAT reform, trade enforcement, and informal sector inclusion. Future research should double down on the subcomponents of the industrial sector vis-a-vis GDP growth rate.