Browsing by Author "Sitina Amino"

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    Causes and Consequences of Divorce on Muslim Women in Addis Ababa, Ethiopia
    (Addis Ababa University, 2024-10) Sitina Amino; Seleshi Zeleke (PhD)
    Divorce is an increasingly common social phenomenon with significant psychological, social, and economic consequences, particularly for women in patriarchal societies. This study investigates the causes and consequences of divorce among Muslim women in Addis Ababa using a mixed-methods design. Quantitative data were gathered from 313 divorced women through structured questionnaires, while qualitative insights were obtained from in-depth interviews with six experienced lawyers. The findings reveal that key causes of divorce include communication breakdown, behavioral incompatibility, polygamy, economic hardship, emotional neglect, and substance abuse—particularly khat addiction. These factors are often compounded by socio-cultural expectations, inadequate pre-marital inquiry, and family interference. The consequences of divorce on women were found to be multidimensional, encompassing emotional distress, social stigma, economic instability, and diminished self-esteem. Recommendations include enhancing pre-marital counseling, increasing awareness of women's rights under Islamic and civil law, and strengthening post-divorce psychological and financial support systems. This research contributes to a nuanced understanding of divorce within Muslim communities and offers culturally informed strategies for intervention and support. Keywords: marriage, divorce, economic independence, cultural diversity, social values
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    Determinants of Non-performing Loans in Ethiopian Commercial Banks
    (Addis Ababa University, 2018-06) Sitina Amino; Sewale Abate
    This study examines the bank-specific and macro-economic determinants of Non-performing loans (NPLs) of commercial banks in Ethiopia. Nine commercial banks have been the subject for the study ranging from 2007 to 2016. The bank's financial statement, National Bank of Ethiopia, central statistics agency and Ministry of finance and Economic Cooperation has been the main source for the study. The study employs an explanatory research design and a quantitative research approach moreover; a random effect model was used. The empirical results showed that trade openness positively and significantly affects non-performing loans, whereas, exchange rate, unemployment and loan growth affects NPLs negatively and significantly. Contrary to previous studies, the findings also showed an insignificant relationship of real lending rate, capital adequacy ratio and ownership structure with NPLs of Ethiopian commercial banks. The study suggests that, commercial banks should consider the macro economic factors before extending loans.