Department of Management

Permanent URI for this collectionhttps://repository.mu.edu.et/handle/123456789/256

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    CHALLENGES AND OPPORTUNITIES OF SAVING MOBILIZATION IN MICROFINANCE INSTITUTIONS (A CASE OF DEDEBIT CREDIT AND SAVING INSTITUTION, TIGRAY, ETHIOPIA)
    (Mekelle University, 2025-10-25) Teklay Gebremedhin Gebretsadikan
    Savings mobilization is a critical function for the sustainability and outreach of Microfinance Institutions (MFIs) in developing economies, and this study aims to assess the major challenges and opportunities in this area, using Dedebit Credit and Saving Institution (DECSI) in Tigray, Ethiopia, as a case study. Employing a descriptive research design, primary data were collected from a sample of DECSI employees using structured questionnaires, supplemented by secondary data. The analysis identified significant internal operational weaknesses, with the absence of remarkable remuneration identified as a "very strong" barrier; other strong internal operational weaknesses included manual financial systems, time-consuming procedures, lack of modern advertisement, and absence of overtime fees. Externally, peace and political instability posed a "very strong" challenge, alongside competition from other financial institutions, poor saving culture, and underdeveloped infrastructure. While staff commitment and the potential for quality service delivery were identified positively as opportunities, factors such as staff incentives, stakeholder cooperation, and product diversification were found to be underutilized. The study concludes that DECSI's savings mobilization efforts are hindered by a combination of critical internal operational weaknesses and external environmental factors. Consequently, it is recommended that DECSI invest in a modern Management Information System (MIS), introduce technology-driven channels (e.g., mobile banking), improve working conditions and remuneration to retain skilled staff, and develop more diversified savings products.
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    Challenges and Opportunities of Honey Market in Tigray: In the Case of Kilte Awlaelo Woreda
    (Mekelle University, 2024-01-25) Yukum G/Michael Desta
    The honey market in Kilte Awlaelo Woreda, Tigray, presents both significant challenges and promising opportunities for local beekeepers. This study assesses the current status of the market, identifies key barriers to its development, and explores potential avenues for growth. Employing a mixed-methods approach—including surveys, interviews, focus group discussions, and field observations—the research highlights major constraints such as a shortage of skilled labor, poor post-harvest management, inadequate extension services, and market-related issues like price instability and limited access to profitable markets. These factors hinder the productivity and economic viability of the honey sector in the region. Despite these obstacles, the study identifies substantial opportunities for market expansion. Growing demand for honey, the region’s rich biodiversity, and potential for international trade create a strong foundation for industry growth. If properly harnessed, these opportunities can transform the honey market into a more efficient and profitable sector. To address the existing challenges and maximize market potential, the study recommends targeted interventions, including capacity-building initiatives, improved infrastructure, enhanced market linkages, and stronger collaboration between stakeholders. Additionally, it emphasizes the need for further research to develop sustainable strategies that will support the long-term growth of the honey industry in Kilte Awlaelo Woreda and contribute to the broader economic development of Tigray
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    Export Practices, Challenges and Opportunities (The Case of MAA Garment and Textile Factory)
    (Mekelle University, 2025-02-23) DILBANTE HAILU KIDANEMARIAM
    Exports play a crucial role in a country's economic growth and sustainable development. This study aimed to evaluate the export practices, challenges, and opportunities at MAA Garment and Textile Factory. A descriptive research methodology was employed, utilizing primary data collection methods. The researcher gathered information through interviews with top-level managers at the factory. A judgmental sampling technique was used to select management personnel and experts whose roles are directly related to exports. Out of 50 distributed questionnaires, 49 were returned. During the data editing process, the questionnaires were reviewed for errors, leading to the exclusion of 4 incomplete responses. Consequently, 45 valid questionnaires were used for the final analysis, which incorporated both quantitative and qualitative data analysis techniques. The analysis involved the use of tables and percentages. The findings indicated several issues: the firm poorly identifies all storage locations, there is a lack of adequate quality raw materials in the local market, the available labor force is not sufficiently skilled, employees are dissatisfied with their compensation, the customs authority is not functioning effectively, and raw materials are not supplied as expected locally. Based on these findings, the researcher recommends that the factory provide training opportunities for its employees, improve compensation for workers, ensure proper functioning of the customs authority with government oversight, and collaborate with management, government, and relevant stakeholders to resolve these challenges