Browsing by Author "Hailu, Elias"

Now showing 1 - 2 of 2
  • No Thumbnail Available
    Item
    The Effect of Bank Regulation on Financial Performance of Private Commercial Banks in Ethiopia
    (A.A.U, 2022-04) Hailu, Elias; Workineh, Mesfin (PhD)
    This study assesses the effect of bank regulations on Financial-performance of private banks in Ethiopia by employing regulatory variables, Bank-specific variables, and Macroeconomic variables by interpreting the result among financial performance and regulation. Balanced fixed effect panel regression is used for the data of twelve private commercial banks found in Ethiopia in the sample covering the period from 2011 to 2020 for ten consecutive years. The study follows a quantitative research approach, and it is analyzed based on their audited financial statement. The study utilized return on asset (ROA) as a dependent variable and seven independent variables. Those are: reserve requirement, liquidity requirement, asset quality, minimum capital requirement, market risk, management efficiency, and real GDP growth rate. The outcome of panel data regression analysis showed that capital requirement and management efficiency had a positive and statically significant effect on the financial performance of private commercial banks. The private commercial banksgetbenefited by raising their paid-up capital for expanding the market share, growing competitiveness, financial performance, and absorbing unexpected risks. Reserve requirements had a negative and statically significant effect on the financial performance of private commercial banks. So the result recommended that before applying the regulation, NBE should use sufficient studies and amend the requirement to enhance private commercial banks. Liquidity position determines how well liquid to cover immediate disturbance to the financial health of the bank. Asset quality is a good indicator of financial health. So, it must be kept by the bank's practice, and NBE continue its monitoring to further improve financial resilience and soundness of banks and the banking system.
  • No Thumbnail Available
    Item
    Optimization of beer production using maize and different types of barley
    (Addis Ababa University, 2016-06) Hailu, Elias; Woldeyes, Belay (PhD)
    The cereals used in beer production undergo modification during the malting and mashing steps to yield carbohydrates that yeast can convert during the fermentation step into ethyl alcohol and carbon dioxide. In particular highest yield of extract (fermentable sugar) and enough free amino nitrogen as yeast nutrient must be modified. However, in addition to reducing costs, the use of unmalted cereals such as maize contributes palatable flavors to the beer. This study involved the optimization of beer production from maize and different types of barley to reduce the cost and improve the flavor of the beer. Brewing is a critical operation and takes several steps. In connection with various levels of steps the mashing step which is used to produce wort or fermentable sugars solution is the limiting step because the biochemical and physicochemical transformations of starchy biomass occur as a function of operating conditions. At this step full factorial design with three factors, three levels and three replicates (3*33 or 81 experimental runs) was applied to optimize wort production and to study the interaction of the three factors , namely, maize percentage mashing temperature and mashing time with the response variables which were highest yield of extract and targeted free amino nitrogen. After the optimization of wort had completed at mashing step, beer was produced by boiling wort with hop substance and fermented to give alcohol and CO2. During fermentation the fermentation diagram was prepared and necessary parameters was measured. Once the beer was prepared the final product was characterized and the result of analysis was compared with other brands of brewery product produced in the country and the product obtained was tolerated. Finally the financial analysis and economic evaluation was done and the cost benefit obtained from this project was positive.