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    Determinants of financial inclusion among rural households in West Wollega Zone, Ethiopia
    (Istanbul Commerce University, 2024) Tamene, Bonsa; Demissie, Tehetina; Mengesha, Tadele; Geleta, Mesfin Tesfaye
    The General objective of the study is to investigate the determinants of financial inclusion among rural households in the West Wollega Zone of Oromia regional state, Ethiopia. The study used an explanatory research design and a mixed research approach. This study selected respondents through multi-stage sampling techniques, and used a questionnaire to collect the necessary data from 384 sample households. The data were analyzed using descriptive statistics and a logistic regression model. The result of regression shows that among the incorporated independent variables; financial literacy, level of awareness, monthly income, level of education, and age of household heads had positive relationship with the financial inclusion of households with significance level of 0.000, 0.004, 0.000, 0.030, and 0.018 respectively. The remaining variables had insignificant effect on financial inclusion of rural households. The research findings would have an impact on different stakeholders and policy makers with respect to financial inclusion among rural households. The study, recommends promotion of financial education, and creating awareness about financial system among rural households. The study would also contribute to knowledge gap and capacity building with respect to determinants of financial inclusion among rural households in west wellega zone of Oromia regional state, Ethiopia.
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    Factors affecting profitability: an empirical study on Ethiopian Banking Industry
    (İstanbul Ticaret Üniversitesi, 2019) Shanko, Temesgen; Timbula, Mekuanint Abera; Mengesha, Tadele
    The main purpose of this study was to examine factors affecting profitabilityEthiopian banking industry. The study adopted quantitative research approach and the statistical tool was used to estimate the profitability, which was measured by returnon asset as a function of balance sheet, industry specific and macroeconomic explanatoryvariables. The finding of the study showed that loan and advance, current deposit, otherliabilities and gross domestic product have statistically significant and positiverelationship with banks’ profitability. On the other hand, variables like fixed deposit, market concentration have a negative and statistically significant relationship withbanks’ profitability. However, the relationship of deposit with other banks, sum ofinvestment, saving deposit and inflation is found to be statistically insignificant. As aresult, the study recommended that Ethiopian Banking Industry must focus on increasingpublic awareness to mobilize more savings this will enhance their performance inprovision of loans and advance to customers. Finally, Ethiopian Banking Industryshouldnot only be concerned about internal structures and policies, but they must consider boththe internal environment and the macroeconomic environment together in fashioning out strategies to improve their profitability.
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    Financial inclusion and its determinants among households in Jimma Zone of Oromia Regional State, Ethiopia
    (İstanbul Ticaret Üniversitesi, 2019) Timbula, Mekuanint Abera; Mengesha, Tadele; Mekonnen, Yonas; Kebede, Matiwose
    The majority of the developing countries, access to finance is demanded more for the middle and low- income community and considered as a public good, which is as important as access to safe water, primary education, etc. The researcher used a hybrid of qualitative and quantitative approach. The exploratory research design used in exploring and developing financial literacy framework to study in the Ethiopian context as there is no financial literacy framework developed previously. The descriptive research design used in describing the level of financial literacy, financial inclusion, saving behavior, the relationships between financial literacy and saving habit, the demographic and socio-economic characteristics of the study area. The sample size taken for the study was 173 households. Descriptive statistics and inferential statisticswere used to attain the objective of the research. The probit regression model produced similar results as those obtained using the logit model showed that age, education, financial literacy, and income are positively related to financial inclusion and distance to the nearest provider of financial services negatively impact financial inclusion. It is possible to reduce determinates of financial inclusion with regulating well the financial system, creating healthy competition and building better enabling environment. Identifying and segregating the root causes and addressing it appears to be removing the distance, services charge, and credit barriers. On the other hand, the market for financial services failures and behavioral problems related to customer tend to be addressed through designing of appropriate financial products. Removing those challenges and expanding financial inclusion tend to be possible with the promise of the latest technologies.
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    Financial literacy and its determinants among households in Jimma Zone
    (İstanbul Ticaret Üniversitesi, 2020) Mengesha, Tadele; Timbula, Mekuanint Abera; Mekonnen, Yonas; Kebede, Matewose
    Financial literacy becomes a topical issue for academicians and policy makers, both in developed and developing countries. This might be because of the fact that there is low level of financial literacy prevailing across the world. To achieve the objective of the study, a quantitative research design and a cross sectional survey research approach was used. The research focused on the urban area of Jimma Zone by taking a sample of 173 households using multi-stage sampling. The result of multiple regression analysis showed that educational levels of the households have a significant and positive effect on their level of financial literacy. That is, as the educational level of households increase, their financial literacy levels will also increase. But the remaining three predictors i.e. Age; Gender and financial literacy training from microfinance institutions have no significant effect on the financial literacy level of the households.