Analysis of the determinants of Banking agents’ Performance: The Case of Commercial Bank of Ethiopia Bole District
| dc.contributor.advisor | Tinker Seifu (PhD) | |
| dc.contributor.author | Senait Kebede | |
| dc.date.accessioned | 2026-03-03T05:09:21Z | |
| dc.date.available | 2026-03-03T05:09:21Z | |
| dc.date.issued | 2025-08 | |
| dc.description.abstract | This study examined the determinants of banking agent performance for the Commercial Bank of Ethiopia (CBE) within the Bole District of Addis Ababa. The research identified key factors influencing agent success, drown up on a theoretical framework encompassing Innovation Theory, Agency Theory, Perceived Risk Theory, Transaction Cost Theory, and Bank-Led Theory. A quantitative methodology was employed, utilizing structured questionnaires to collected data from a sample of CBE banking agents selected through stratified sampling. The study examined the impact of agents’ banking knowledge, infrastructure, financial costs, and bank-to-agent location on agent performance. By analyzed this data using SPSS, the research seeks to provide insights into how CBE can optimize its agent banking model to enhance agent effectiveness and contribute to broader financial inclusion goals within Ethiopia. The findings indicated that agent performance is positively impacted by infrastructure and agents’ knowledge, and negatively by transaction cost and bank-to-agent distance. The research was expected to inform policy recommendations aimed at improving agent training, strengthening network infrastructure, reducing financial burdens on agents, and enhancing awareness creation measures. The study acknowledges the limitations of sampling and calls for further research to validate the findings and explore the issue of agent banking in diverse contexts. | |
| dc.identifier.uri | https://etd.aau.edu.et/handle/123456789/7745 | |
| dc.language.iso | en_US | |
| dc.publisher | Addis Ababa University | |
| dc.subject | Infrastructure | |
| dc.subject | Transaction cost | |
| dc.subject | Agency banking | |
| dc.subject | Bank-to-agent distance | |
| dc.title | Analysis of the determinants of Banking agents’ Performance: The Case of Commercial Bank of Ethiopia Bole District | |
| dc.type | Thesis |