Browsing by Author "Hailu, Endeshaw"

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    Factor Affecting Credit Risk Management Practice of Private Commercial Banks of Ethiopia
    (Addis Ababa University, 2018-02) Hailu, Endeshaw; Abebe, Yitayew (PhD)
    The study assessed factor affecting credit risk management practice of some selected private banks in Addis Ababa. The study was identifying the factors that influence credit risk management practices of the banks focused on the six dimensions of service quality such as, on the establishment of credit risk environment, credit granting process, credit risk measurement and monitoring processes, market risk, operational risk and legality risk. To achieve the overall objective of the study data were collected from four private commercials banks such as, Oromia International Bank, Birhan International Bank, Debub Global International Bank and Anbesa International. Accordingly, 106 respondents participated in the study using a purposive sampling technique. In this ways the study used both descriptive and explanatory research design and the data were analyzed using frequency, percentage, means, Std. deviation, Pearson correlation as well as regression. The data were analyzed by using SPSS Package version 20. Based, on this the result of correlation coefficient shows that all variables are statistically significant and positively correlated with the credit risk management practice of the studied banks. Accordingly, the bank‟s credit risk management was more affected by lack of establishing appropriate credit environment which represented, followed by challenges of credit appraisal measurement and monitoring, Lack of Market risk analyses, Operational risk and challenges sound Credit granting process, however, Legality of risk assessment has a negative relation and insignificant impact on credit risk management practices of the study banks. The Result regression coefficients also implied the extent of the independent variables influence on the dependent variables. Accordingly the result coefficient value of regression analysis indicated that, lack of appropriate credit risk environment (beta = .993, t = 9.612, p = < .000), followed by lack of operational risk management (beta = .713, t =1.003, p = .318) and lack of credit measurement and monitoring process (beta =.610, t= -571, p < .569) respectively and significantly affect credit management practice of the studied private banks. Based on the findings the study recommend the following management bodies of the of the banks further investigate the main reason of that affect credit risk management practice of their respective banks and tried to create Continuous improvements on the major factors affecting credit risk management area.
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    The Oxidation Kinetics and Interface Stability of Silicon (Si) and Cobal Tdisilicide (Cos2) in dry Thermal Oxidation
    (Addis Ababa University, 1995-06) Hailu, Endeshaw
    Oxidation kinetics and interface stability of Si, surface and buried CoS~ have been studied in temperature range of 1000-1150 ·C in dry oxygen ambient. Measurement of the thickness of Si02 formed by the oxidation of Si, surface and buried CoS~ show a linear-parabolic behavior in time. The Characterization was performed by Rutherford backscattering spectromelly (RBS) and Ionchanneling of 1.4 MeV He+ ion, Van der Pauw resistivity measurement, ellipsomelIy and cross-sectional transmission electron microscopy eX -TElv!) for micro-structural analysis. The comparison of oxidation rates of Si with surface and buried CoS~ is performed and it was found that the rate is higher for surface CoS~ for temperatures 1000 ·C, 1050·C and HOO ·C and the rate for Si is higher for 1150·C but the rate of Si and buried CoSi2 are found to be the same for 1150·C