The effects of determinants in approval process of agricultural loan finance: case of Development bank of Ethiopia.
| dc.contributor.advisor | Habtamu Berhanu (PhD) | |
| dc.contributor.author | Zewdneh Gashaw | |
| dc.date.accessioned | 2025-10-29T11:00:41Z | |
| dc.date.available | 2025-10-29T11:00:41Z | |
| dc.date.issued | 2025-01-27 | |
| dc.description.abstract | This thesis examines the effects of determinants in approval process of agricultural loan finance: case of development bank of Ethiopia. Loan determinants are critical in approval process of agriculture loan; influencing various aspects this study examines the effects of loan size, interest rate, repayment period and collateral on approval process of agriculture loan from DBE. The researcher utilized explanatory and descriptive research design and quantitative research approach. The research were conducted in DBE head office employees, out of three departments 443 employees was selected and draw 210 respondents by using stratified sampling method. Structured questionnaires were distributed and collected to get primary data. The study employs regression analysis to explore the relationship between loan determinants and approval process of agriculture loan. The findings of the study reveal that loan size, repayment period and collateral has a significant positive effect on approval process of agriculture loan, fostering higher levels of approval process of agriculture loan and in contrast the study found that interest rate has negative and insignificant effect on approval process of agriculture loan. Hence, the study suggests that the organization must develop more ground to simplify and digitalize the above determinants in order to increase approval process of agriculture loan towards meet the development goal of the country. The study provides valuable insights for future research and organizational operations aiming to improve the effects of loan determinants and future outcomes. | |
| dc.identifier.uri | https://etd.aau.edu.et/handle/123456789/7540 | |
| dc.language.iso | en | |
| dc.publisher | A.A.U | |
| dc.title | The effects of determinants in approval process of agricultural loan finance: case of Development bank of Ethiopia. | |
| dc.type | Thesis |