Assessment of Credit Management Practices in the Case of Bank of Abyssinia
| dc.contributor.advisor | Takele Fufa (PhD) | |
| dc.contributor.author | Abel Getu Abdisa | |
| dc.date.accessioned | 2025-05-16T06:29:36Z | |
| dc.date.available | 2025-05-16T06:29:36Z | |
| dc.date.issued | 2025-03-28 | |
| dc.description.abstract | This study investigates the credit management practices of Bank of Abyssinia, aiming to understand its approach to responsible lending and risk mitigation. A mixed-method approach was employed, utilizing a questionnaire survey distributed to bank staff and in- depth interviews with bank management. The collected data was analyzed using descriptive statistics with the help of SPSS version 20. The analysis focused on current practices of bank, the efforts underway and internal challenges (staff training, technology investments), external influences (economic challenges, regulations), and transparency in communication. Key findings reveal a strong foundation for credit management at Bank of Abyssinia. The bank utilizes well-defined loan assessment processes, emphasizes staff training on responsible lending principles, and prioritizes loan quality through performance metrics. However, the study also identifies areas for improvement in resource allocation, with some respondents perceiving limitations in technology investments and staffing levels. The research highlights the significance of a comprehensive approach to credit management, emphasizing responsible lending practices alongside effective resource allocation and adaptation to external challenges. This study contributes to the field by providing valuable insights into the credit management practices of a leading Ethiopian bank, offering a framework for analysis applicable to other financial institutions. The recommendations presented, focusing on optimized resource allocation, technology utilization, and continuous improvement strategies, can benefit banks seeking to enhance their credit risk management capabilities. | |
| dc.identifier.uri | https://etd.aau.edu.et/handle/123456789/5493 | |
| dc.language.iso | en | |
| dc.publisher | AAU | |
| dc.title | Assessment of Credit Management Practices in the Case of Bank of Abyssinia | |
| dc.type | Thesis |