Determinants of Performance of Employees Saving and Credit Association in Ethiopia
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Date
2020-11
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A.A.U
Abstract
The study examines the Determinants of Performance of Employees saving and Credit Association in Ethiopia. The study uses explanatory research design and mixed research approach with both primary and secondary source of data utilized. More specifically, the study adopts a multiple linear regression model. The finding of the study reveals that; loan management, and technological adoption have a negative effect on the performance of the saving and credit associations, and statically significant. On the other hand, saving capacity, experience, and literacy level of members has a positive effect on the performance of saving and credit associations, and statically significant. Furthermore, the variables like GDP per capita, annual inflation rate, exchange rate, and unemployment rate has a positive effect on the performance of saving and credit associations but statically insignificant. This study suggests the associations to look over to increase the saving capacity of the members by introducing different incentive mechanisms like banks are doing. In doing so, it is possible to increase the performance of the associations.
Description
A Thesis submitted to Addis Ababa University, The Department of Accounting and Finance presented in partial fulfillment of the requirements for the degree of Master of Science in Accounting and Finance
Keywords
Determinant of Performance, loan management, Saving and credit associations