- Educator at Ambo University ,Ethiopia .edit
Research Interests:
In Ethiopia poor cannot get loan from formal financial institutions due to lack of asset used as collateral. Microfinance institutions are choice-less solution since they have the advantage for poor in substituting collateral by group... more
In Ethiopia poor cannot get loan from formal financial institutions due to lack of asset used as collateral. Microfinance institutions are choice-less solution since they have the advantage for poor in substituting collateral by group guarantees or compulsory savings which makes easy for poor to get access to loan. Even though these institutions are the solution for poor they have got risks which hinder their sustainability and performance. Henceforth, these risks ought to be clearly identified and prioritized so that their effect on performance will be minimized and growth and achievement of these institutions will be fostered. When these risks are handled well poor can get access to loan easily which makes them to make use of the loan to generate income for their daily expense which in turn paves way to growth and prosperity of the country. The result from the study revealed that microfinance institutions in Ambo area are affected by internal and external risks to the institutions. Credit risk is identified as a risk with high severity where as competition and customer over-indebtedness risks are low severe risks in affecting the performance of microfinance institutions.
Research Interests:
The landscape of marketing has become changing and growing in this contemporary world where there are new and innovative types of aspects of doing business. Merely producing a product which has a unique feature in the market has no value... more
The landscape of marketing has become changing and growing in this contemporary world where there are new and innovative types of aspects of doing business. Merely producing a product which has a unique feature in the market has no value unless it is properly promoted to the target market. Nowadays Exhibition has become a tool to promote organizational product and services. It is one of the oldest forms of promoting the sales of products. Trade shows and exhibition provide opportunities for face-to-face contact with prospects, enable new companies to create a viable customer base in a short period of time, and allow small and mid-size companies that may not be visited on a regular basis to become familiar with suppliers, customers and vendors. Currently, Exhibition is one of the promotion tool which is showing an advancement in Ethiopia. In addition to promoting products to the current and prospective target market exhibition has a potential to contribute to economy of the country. In Ethiopia when there is holiday or holiday is approaching there are always the micro and small scale enterprises, medium as well as large enterprises start selling their products on street or in exhibition center.
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Nowadays the international development agenda is dominated by the Millennium Development Goals with poverty eradication as a top ranking issue in the list of the goals, and microfinance is firmly linked to this goal. So, the study deals... more
Nowadays the international development agenda is dominated by the Millennium Development Goals with poverty eradication as a top ranking issue in the list of the goals, and microfinance is firmly linked to this goal. So, the study deals with identification of microfinance risks which helps in provision of proper a risk mitigation strategies which can result in good and healthy functioning of the institutions. The study assess the risks that microfinance institutions in Ethiopia particularly those operating in Ambo area come across while doing their business. The study is descriptive in nature. It uses both quantitative and qualitative techniques to come up with the risks. Sample of 42 respondents are taken from four microfinances in Ambo area. The result from the study revealed that microfinance institutions in Ambo area are affected by risks internal and external to the institutions which comprises strategic, financial and operational risks. Internally risks includes staffing risk, liquidity risk, customer management, risks due to weak administration and control, lack of technology management weak accounting systems, and too little fund risk and externally by competition, over indebtedness and credit risks affect microfinance performance.
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Research Interests:
The research aims to investigate the roles of market linkage for the growth of MSE in Ambo town. The data were collected through questionnaires and interviews. A stratified sampling technique is used to select among the seven business... more
The research aims to investigate the roles of market linkage for the growth of MSE in Ambo town. The data were collected through questionnaires and interviews. A stratified sampling technique is used to select among the seven business sectors. Data were analyzed using descriptive and inferential statistics. The study elicited five major factors that affects the growth of MSE which include financial capacity, government support, entrepreneurial competency, marketing information, and types of business sectors. The findings from correlation and regression further indicate that there exists a positive and significant relationship between MSEs growth and, financial capacity, government support, entrepreneurial competency, marketing information, and types of business sectors. The concerned bodies should facilitate market linkage enhancement between MSE and the market. MSEs on their part are expected to improve financial capacity and competence. Furthermore, adequate market information has...
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The study is conducted on quality of service delivery and its effect on customer satisfaction in the case of Ethio-telecom in Oromia region in Ambo area on mobile telephone users. This study tried to provide relevant factors that cause... more
The study is conducted on quality of service delivery and its effect on customer satisfaction in the case of Ethio-telecom in Oromia region in Ambo area on mobile telephone users. This study tried to provide relevant factors that cause customers to respond about mobile phone services delivered by Ethio-telecom. The research approach employed for the study is mixed approach i.e. both qualitative and quantitative approached used to find out the effect of Ethio-telecom service quality on customer satisfaction. For the purpose of the study both primary and secondary data are used. The primary data are collected through questionnaire and interview with the Ambo branch Ethio-telecom employees, manager and customers. Furthermore, secondary data are taken from documents and brochures that are available from the branch office. The research design employed is descriptive and uses charts and frequency table to discuss the output. A sample of 500 were selected through simple random sampling fro...
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Currently there are a number of macroeconomic problems which hinders the survival of the people of which inflation is a first and knife-edge problem. The research is carried out in Ambo town, which is located in Oromia regional state... more
Currently there are a number of macroeconomic problems which hinders the survival of the people of which inflation is a first and knife-edge problem. The research is carried out in Ambo town, which is located in Oromia regional state Western Shoa Zone, Ethiopia. It deals with the overall effects of price hike of food grains on different groups of consumers with different income levels in Ambo town. While conducting the research Descriptive type of research is employed. Both from primary and secondary data were used. Primary data is collected from consumers of the town, which are randomly selected whereas; secondary data is gathered from the bureaus that the issue is concerned. Great emphasis has given for some selected variables, which are directly related with title of study.
Research Interests:
The study is conducted on quality of service delivery and its effect on customer satisfaction in the case of Ethiotelecom in Oromia region in Ambo area on mobile telephone users. This study tried to provide relevant factors that cause... more
The study is conducted on quality of service delivery and its effect on customer satisfaction in the case of Ethiotelecom in Oromia region in Ambo area on mobile telephone users. This study tried to provide relevant factors that cause customers to respond about mobile phone services delivered by Ethio-telecom. The research approach employed for the study is mixed approach i.e. both qualitative and quantitative approached used to find out the effect of Ethio-telecom service quality on customer satisfaction. For the purpose of the study both primary and secondary data are used. The primary data are collected through questionnaire and interview with the Ambo branch Ethio-telecom employees, manager and customers. Furthermore, secondary data are taken from documents and brochures that are available from the branch office. The research design employed is descriptive and uses charts and frequency table to discuss the output. A sample of 500 were selected through simple random sampling from...
Research Interests:
In Ethiopia poor cannot get loan from formal financial institutions due to lack of asset used as collateral. Microfinance institutions are choice-less solution since they have the advantage for poor in substituting collateral by group... more
In Ethiopia poor cannot get loan from formal financial institutions due to lack of asset used as collateral. Microfinance institutions are choice-less solution since they have the advantage for poor in substituting collateral by group guarantees or compulsory savings which makes easy for poor to get access to loan. Even though these institutions are the solution for poor they have got risks which hinder their sustainability and performance. Henceforth, these risks ought to be clearly identified and prioritized so that their effect on performance will be minimized and growth and achievement of these institutions will be fostered. When these risks are handled well poor can get access to loan easily which makes them to make use of the loan to generate income for their daily expense which in turn paves way to growth and prosperity of the country. The result from the study revealed that microfinance institutions in Ambo area are affected by internal and external risks to the institutions...
Research Interests: Business and Microfinance
This case study is undertaken to assess the impact of employee motivation on productivity in commercial bank of Ethiopia Huluka Branch. A qualitative research method was employed for this study. Primary data was collected through a... more
This case study is undertaken to assess the impact of employee motivation on productivity in commercial bank of Ethiopia Huluka Branch. A qualitative research method was employed for this study. Primary data was collected through a self-administered questionnaire distributed to all employees the branch. The result from the study revealed that the bank uses both monetary as well as non-monetary types of employee motivation schemes. Cash rewards, increment of salary within stipulated period of time and provision of loan for house construction or purchase are monetary motivation schemes provided to employee. Non-monetary mechanisms are like flexible scheduling, knowledge development schemes through short and long term training and education, promotion, appreciation for the best work performance and others. Furthermore, holding other confiding factors motivation has a positive effect in boosting the productivity. Though the bank uses monetary and non-monetary strategies to provoke the ...
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The aim of the study is to assess the impacts of petty trade (locally gullit) on household livelihood by focusing on women petty traders. A case study is carried out in West shoa zone, Oromia regional state in the selected towns (Holeta,... more
The aim of the study is to assess the impacts of petty trade (locally gullit) on household livelihood by focusing on women petty traders. A case study is carried out in West shoa zone, Oromia regional state in the selected towns (Holeta, Ejere (Addis Alem), Ginchi, and Ambo) as a major destination of gullit operators. The data is obtained through snow ball sampling technique, observation and using structured questionnaire from 80 gullit operators. The descriptive analysis depicts that almost all the gullit operators are above the age of 30 and do not complete high school while some are uneducated. More than half are married and rarely rely on the income of their husbands who engaged in casual works. The household size ranges from 2 to 8, of which 70 percent are school children. They sell items easily available in their surrounding (usually fruits and vegetables) and some homemade items such as injera, pepper flour, bean flour etc. at the spots not legally received and often subjecte...
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Financial inclusion gender gap in Ethiopia is significantly high and how socioeconomic variables affect the gap is not sufficiently studied. Hence, this study examines financial inclusion gender gap in Ethiopia using the World Bank’s... more
Financial inclusion gender gap in Ethiopia is significantly high and how socioeconomic variables affect the gap is not sufficiently studied. Hence, this study examines financial inclusion gender gap in Ethiopia using the World Bank’s Global Findex database of 2017. Hence, this study aims to examine the magnitude of financial inclusion gender gap and its socioeconomic determinants in Ethiopia using different econometric decomposition analysis. Empirical findings denote that there is statistically significant financial gender disparity in Ethiopia. Fairlie decomposition results show that being older, a man, more educated and richer favor financial inclusion with a higher influence of age, employment and education. Moreover, differences in coefficients, differences in productivity, advantage to males and disadvantage to females widen the gender gap in financial inclusion Ethiopia.
Nowadays the international development agenda is dominated by the Millennium Development Goals with poverty eradication as a top ranking issue in the list of the goals, and microfinance is firmly linked to this goal. So, the study deals... more
Nowadays the international development agenda is dominated by the Millennium Development Goals with poverty eradication as a top ranking issue in the list of the goals, and microfinance is firmly linked to this goal. So, the study deals with identification of microfinance risks which helps in provision of proper a risk mitigation strategies which can result in good and healthy functioning of the institutions. The study assess the risks that microfinance institutions in Ethiopia particularly those operating in Ambo area come across while doing their business. The study is descriptive in nature. It uses both quantitative and qualitative techniques to come up with the risks. Sample of 42 respondents are taken from four microfinances in Ambo area. The result from the study revealed that microfinance institutions in Ambo area are affected by risks internal and external to the institutions which comprises strategic, financial and operational risks. Internally risks includes staffing risk,...
Research Interests:
In Ethiopia, the gender gap in financial inclusion is high, and the effect of socioeconomic variables on the gap is not well investigated. As a result, this study uses the World Bank’s Global Findex database from 2017 to analyze magnitude... more
In Ethiopia, the gender gap in financial inclusion is high, and the effect of socioeconomic variables on the gap is not well investigated. As a result, this study uses the World Bank’s Global Findex database from 2017 to analyze magnitude and determinants of the gender gap in financial inclusion in Ethiopia. Using Fairlie decomposition technique, we find statistically significant gender gap in all indicators of financial inclusion under study in Ethiopia. The result shows that the highest financial inclusion gender gap is observed in formal saving followed by formal account holding. The decomposition results show males are 16.5%, 16.6%, 8.9 %, 8.4 %t, and 5.8% more likely to have a formal account, formal saving, borrowing, emergency fund possibility, and debit card ownership, respectively. We further decompose these gaps using Daymont and Andrisani approach and the result reveals that differences in coefficients between males and females explain 57.7% in formal saving, 43.4% in form...
Research Interests:
The research aims to investigate the roles of market linkage for the growth of MSE in Ambo town. The Data were collected through questionnaires and interviews. A stratified sampling technique is used to select among the seven business... more
The research aims to investigate the roles of market linkage for the growth of MSE in Ambo town. The Data were collected through questionnaires and interviews. A stratified sampling technique is used to select among the seven business sectors. Data were analyzed using descriptive and inferential statistics. The study elicited five major that affects the growth of MSE which include financial capacity, government support, entrepreneurial competency, marketing information, and types of business sectors. The findings from correlation and regression further indicate that there exists a positive and significant relationship between MSEs Growth and, financial capacity, government support, entrepreneurial competency, marketing information, and types of business sectors. The concerned bodies should facilitate market linkage enhancement between MSE and the market. MSEs on their part are expected to improve financial capacity and competence. Furthermore, adequate market information has to be c...
Research Interests:
Research Interests:
Research Interests:
The landscape of marketing has become changing and growing in this contemporary world where there are new and innovative types of aspects of doing business. Merely producing a product which has a unique feature in the market has no value... more
The landscape of marketing has become changing and growing in this contemporary world where there are new and innovative types of aspects of doing business. Merely producing a product which has a unique feature in the market has no value unless it is properly promoted to the target market. Nowadays Exhibition has become a tool to promote organizational product and services. It is one of the oldest forms of promoting the sales of products. Trade shows and exhibition provide opportunities for face-to-face contact with prospects, enable new companies to create a viable customer base in a short period of time, and allow small and mid-size companies that may not be visited on a regular basis to become familiar with suppliers, customers and vendors. Currently, Exhibition is one of the promotion tool which is showing an advancement in Ethiopia. In addition to promoting products to the current and prospective target market exhibition has a potential to contribute to economy of the country. ...
Research Interests:
The study to examine human resource management practices vis-a-vis organization performance in the case of public organizations in Ambo town. The finding of the study indicated there is a positive relationship between recruitment and... more
The study to examine human resource management practices vis-a-vis organization performance in the case of public organizations in Ambo town. The finding of the study indicated there is a positive relationship between recruitment and selection, training and development, performance appraisal and reward system, and organizational performance. Major challenges observed were lack of sufficient budget, absence of accountability and transparency, technological resistance, uncomfortable working environment, insufficient managerial capacity building and lack of employee inspiration. Management of Ambo Town public service offices need to ensure human resource activities are smartly done to unleash the potential of the offices. Keywords/phrases : Human resource, Organizational performance, Public offices, Ambo DOI: 10.7176/JAAS/68-07 Publication date: September 30 th 2020
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The purpose of this study is to investigate the effect of Customer Relationship Management(CRM) on the market performance of the Cooperative Bank of Oromia(CBO) in West Shoa Zone branches. In this study, both qualitative and quantitative... more
The purpose of this study is to investigate the effect of Customer Relationship Management(CRM) on the market performance of the Cooperative Bank of Oromia(CBO) in West Shoa Zone branches. In this study, both qualitative and quantitative research approaches were employed. The total sample size for the study was 263. Mean and standard deviation, Correlation, and multiple linear regressions were used for analysis. The findings confirm that customer knowledge management, focusing on the main customer, CRM-based technology, and relationship marketing has a positive and significant relationship with the market performance of the bank. Therefore, CBO has to strengthen the implementation of CRM appropriately and continuously, as an indispensable tool for gaining competitive advantage and building long-lasting and profitable relationships with its customers to achieve its market performance.JEL classification: M1, M3