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Then, I would like to take express my advisor Mr. Gedion M MCS for his technical and professional guidance in writing this paper. Next my best thanks goes to Ato Teshome, the manager of development bank of EthiopiaDire Dawa branch and the employees of that organization for their corporation and unreserved help.
Abstract This research paper has been entitled the loan recovery performance of development bank of Ethiopia Dire Dawa branch. This paper has been included introduction, statement of problem, objective of the study, significance of the study, scope and limitation of the study, literature review and research design and recommendation.
Under the objective of the study, the researcher question that the researchers where emphasized to answer has been raised.
The literature part which are directly related to loan recovery performance has been reviewed from several source.
Finally, for data analysis purpose, source of data, method of data collection and sampling techniques has been stated. Then based on analyzed data appropriate conclusion and recommendation have been suggested. Chapter 1 Introduction 1. The government has set policies and strategies to extricate the country from poverty, backwardness and anti-domestic practices.
Among the policies and strategies adopted by the government, civil service reform program is one of them. Civil service reform program CSRP is devised to investigate and examine the status and competence of public institution. The program ascertains compatibility to effectively and efficiently.
To achieve its stated objectives the bank has to be sustainable by generation sufficient profit from its operation.
This rests on efficiency and effectiveness of loan able fund mobilization, credit provision and ultimate collection of loans which has direct impact on the banks profitability and liquidity. Credit recognized as the important financial service that contribute to the success of business venture.
This success in turn, believed jot contribute towards economic development, however the existence of credit facility alone does not necessarily.
Result in supporting economic development unless and otherwise it is combined by the existence of factors conducive to the efficient utilization of credit funds. For instance, if the abdicative of making loan able funds available to these who want them for productive purpose on continuous basis to be met, a loan has to be rapid on time, chronic over due Becomes irrecoverable as a result of the next worth of the lending institution will be eroded and it will have a serious impact of the volume of lending activity.
There is scarcity of capital, lack of investment opportunity and unemployment. Considering this fact, development bank of Ethiopia Dire Dawa branch provide credit for establishment and expansion of agricultural, industrial and other services with the objective of economic development in the country.
The loan extended to various sectors of the economy must be recovered in full, if the objective of circulating more and more financial resources to meet the increase demand for credit and to keep the bank in sound financial health. Both the principal and interest to meet the operation cost mist be recovered.
The bank collects the principal and interest from the client during the due date but defaults may occur on the side of the client due to various reasons if there is a high incidence in the deficit of client, this leads the bank to be insolvent and weaken its financial position.
This situation will paralyze the investment program as well as the economy as a whole. To examine loan recovery performance among different sectors.This research paper has been entitled the loan recovery performance of development bank of Ethiopia Dire Dawa branch.
EFFECTS OF MOTIVATION ON EMPLOYEE PERFORMANCE: A CASE STUDY OF GHANA COMMERCIAL BANK, KUMASI ZONE. BY THOMAS OWUSU A Thesis submitted to the Institute of Distance Learning, Kwame Nkrumah University of Science and Technology in Partial fulfilment of the requirements for the degree of COMMONWEALTH EXECUTIVE OF MASTERS IN BUSINESS .
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Other important Considerable Points for Research. Since the research is Sample-based the outcomes cannot be generalised. No extra budget allocated for research so cost should be kept minimum. Scotiabank helps us bank smarter.” Chequing and savings accounts, mortgages, loans, credit cards, investment options and more.