Browsing by Author "Salih Abdrsemed"

Now showing 1 - 1 of 1
  • No Thumbnail Available
    Item
    An Assessment of Financial Product of Murabaha Practical Implications of Murabaha of full fledge Islamic Banks in Ethiopian
    (Addis Ababa University, 2025-09) Salih Abdrsemed; Hawlet Ahmed (PhD)
    The study examines the operational effectiveness, accessibility, financial outcomes and customer satisfaction of Murabaha in Ethiopia, focusing on Zamzam and Hijra banks. Using descriptive research design and mixed-methods approach, data were collected from 80 customer through structured and open-ended questions. Findings indicate that Murabaha is widely perceived as Shariah-compliant, transparent and effective in achieving both personal and business financial goals. Customer trust its asset-backed structures and show high willingness to recommend it. However, challenges such as complex documentation, repayment difficulties, communications gaps, and limited rural outreach persist. while both banks face similar issues, hijra bank performs slightly better in affordability and delivery. The study contributes to the limited empirical literature on Islamic finance in Ethiopia a supports Islamic finance and financial inclusion theory, emphasizing the importance of transparency, accessibility and customer trust. key recommendations include improving operational efficiency, expanding rural access, enhancing staff training, simplifying procedures and strengthening regulatory frameworks