Browsing by Author "Kedir, Abas"

Now showing 1 - 2 of 2
  • No Thumbnail Available
    Item
    Factors Influencing the Customer’s Adoption of Interest Free Banking in Wegagen bank
    (Addis Ababa University, 2019-06) Kedir, Abas; Tilahun, Teklu (PhD)
    Interest Free Banking has been a new concept in Ethiopia until 2011. In Ethiopia, it has been almost six years when the first Interest free bank makes its start. Interest free banking is an alternative banking system based on Islamic principles doing the business side by side the conventional banking system. For this alternative IFB business, Wegagen Bank has to know the awareness, understanding and perceptions of its customers towards the product and service of IFB. The purpose of this research is to examine the level of awareness, understanding and perceptions of Wegagen customers towards interest free banking product and service. In addition, this study also aims to investigate if any demographic factors influence the awareness, understanding and perceptions of interest free banking products and services of Wegagen Bank customers. A total of 180 respondents from different branches in Addis Ababa are selected for the purpose of this study. For the analysis, one way ANOVA and Pearson Correlation Coefficient was adopted to analyze the results. The results show that the level of awareness towards Islamic banking deposit products are considered as high however the level of awareness for financing products are very low and it needs awareness campaign in promoting the features of IFB financing to the target customers to enhance the level of awareness for financing products. The understanding level towards Islamic products is very high except the understanding for Islamic banking is available for Muslims and non-Muslims is very low and the bank should do in increasing the understanding of Muslim customers by promoting the product is available for both Muslim and Non-Muslim customers as far as the sheria principle is respected. As for perception, the bank should exert its maximum effort in segregating the IFB business from the conventional business because majority of the respondents perceive that the service of IFB is similar to conventional banking system and having this perception by customers would adversely affect the growth of the business by repealing potential customers from the bank. Another correction action that will be taken by the bank to have the right perception by the customers is that service delivery for IFB products should be right and do the business in compliance with the religion principle as well as the NBE directives.
  • No Thumbnail Available
    Item
    Investigation on Improving the Goetechnical Properties of Lateritic Soil by Blending with Chemical Stabilizer
    (Addis Ababa University, 2011-04) Kedir, Abas; Tadesse(PhD), Samuel
    In road construction, earth roads become muddy and slippery during wet season and cause dust problem during dry season. At the time of road construction obtaining good road construction material is becoming scarcer and as much as possible use in-situ material. One of the in-situ materials is laterite soils. The objective of this research work was to study the usefulness of Con-Aid as a stabilizer for laterite soil. Sampled from Gidole town (South Ethiopia) has been investigated. Four specimens were taken from two test pits at different depths from Gidole town (South Ethiopia).The geo-chemical characteristics have been investigated on soils sampled. Accordingly, the soils under considerations were laterites. Moisture contents determination using oven temperature of 105oC and oven temperature of 50oC with maximum relative humidity (RH) 30% were also carried out on the soil samples to investigate presence of loosely bound water of hydration. It was obtained that the soil samples did not contain loosely bound molecular water in a significant amount. Atterberg limits were investigated for testing procedure on the soil samples to see effect of test manipulation on concretionary bond. The liquid limit tests were carried out on soil specimens mixed for 5 minutes and 30 minutes durations. It was observed from the test results that the mixing durations has significant effect on the values of liquid limits. The Atterberg limits, compaction and soaked CBR tests carried out without and with Con-Aid chemical, to evaluate the change in the engineering properties of the stabilized soil after curing the treated samples for different periods. From the test results, were not seen a promising reduction of plasticity, increment of maximum dry density and improvement of the CBR value. These indicate that the Con-Aid effect does not exceed the natural effect of the laterite soil. Full reactions of Con-Aid could not take places, because the soil under investigation in Gidole town was naturally cementeous material