Browsing by Author "Selamawit Tafesse"

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    Factors Affecting the Profitability of Saving and Credit Cooperative Societies: Evidence from Bole Sub City, Addis Ababa, Ethiopia
    (Addis Ababa University, 2025-09) Selamawit Tafesse; Tesfa Nega (PhD)
    This study examines the financial performance of 10 Savings and Credit Cooperative Societies (SACCOs) in Bole Sub City, Addis Ababa, Ethiopia, from 2011 to 2015 E.C., a dynamic urban area where SACCOs empower communities by offering affordable savings and loan services to people who might not access banks. Using an explanatory research design and a quantitative approach We measured their performance using Return on Assets (ROA), which shows how much profit SACCOs make from their resources, and examined five key factors: savings strength (Capital Adequacy Ratio, CAR), unpaid loans (Non-Performing Loan Ratio, NPLR, set at 5% due to missing data), running costs (Operating Expense Ratio, OER), lending profits (Net Interest Margin, NIM), and cash availability (Liquidity Ratio, LR) (Fraser & Ormiston, 2016). Data were collected from audited financial statements of 10 purposively sampled SACCOs, representing diverse urban cooperatives, and analyzed using descriptive statistics, trend analysis, and multiple regressions in SPSS software. Findings revealed an average ROA of 2.31%, rising from 1.87% in 2011 E.C. to 2.84% in 2015 E.C., with 61.5% of profitability explained by strong savings (CAR), low costs (OER), and effective lending (NIM), while unpaid loans (NPLR) and cash levels (LR) showed limited impact due to data gaps. To enhance performance, SACCOs should increase savings, adopt digital tools to lower costs, refine lending strategies, and improve data collection for loans and liquidity. These measures will strengthen SACCOs, support Bole Sub City’s communities, and advance financial inclusion in Ethiopia, offering practical guidance for SACCO managers, the Bole Sub City Cooperative Organization, and policymakers.
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    Females as News Source: the case of Ethiopian Herald and the Reporter English Newspapers
    (Addis Ababa University, 2016-06) Selamawit Tafesse ; Agaredech Jemaneh
    The study intends to find out the use of female new sources in two selected English newspapers, the Ethiopian herald and the Reporter English newspaper. The study uses triangular research methods. The quantitative part of the research is made by counting the frequency of female news sources in the newspapers and the qualitative part of the research is made by interviewing journalists and editors working in the newspapers. Four journalists from each newspaper were interviewed. Quantitative research method was used to put the representation of females in figure and interview was used to back the data collected by quantitative method and to get information from people who are involved in making news first hand. Two kinds of sampling techniques have been used since one newspaper is a daily newspaper and the other is a weekly newspaper. Representation theory and Marxist/socialist theory are used as the two major theoretical frameworks in the study. The study shows that female news sources are underrepresented in the news and a lack of awareness about balancing females’ point of view with that of males exists. The study also reveals that females even when represented are not given the lead role and are not shown in influential positions. The study has concluded that female representation is low in the newspapers compared to that of males