College of Business and Economics

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    OPPORTUNITIES AND CHALLENGS OF INTEREST FREE BANKING SERVICES IN COMMERCIAL BANK OF ETHIOPIA: A CASE STUDY IN MEKELLE CITY
    (Mekelle University, 2025-06-28) HELEN EBRAHIM
    This study aims at investigating the opportunities and challenges of the interest-free banking services, specifically focusing on the Commercial Bank of Ethiopia (CBE), Mekelle City. These study intendeds to identify the key obstacles hindering the growth of interest-free banking services. The study used descriptive methods of analysis to help organize and summarize data effectively. Both quantitative data (numeric data such as percentages and frequencies obtained from questionnaires) and qualitative data (non-numeric data such as perceptions, opinions, and insights gathered from interviews) were used to provide a comprehensive understanding of the subject. The primary data was collected from the Customers and Employees of the selected banks by using purposive sampling technique through questionnaire and interview while the secondary data was collected by compiling and summarizing the bank’s Annual reports and Journals. Data was collected through questionnaire by using purposive sampling technique from a sample size of 361 customers and 50 employees from the interest free banking in Commercial Bank of Ethiopia properly filled and returned the questionnaire. The study was conducted in Mekelle City in May 2024 G.C. The data collected from the questionnaire were analyzed using SPSS version 23 statistical tools such as percentages and frequency. Apart from this, It has been shown from the analyzes that lack of awareness is the primary challenge faced by interest-free banking sector in CBE at Mekelle City. The findings indicate that awareness is the main obstacle to the sector’s growth. Additionally, customers and employees expressed concerns about the need for improved risk management, financial practices, and educational campaigns to enhance acceptance and understanding of interest-free banking.So that the bank should strengthen robust risk management, sound financial practices, public awareness and education. The findings of this research contribute to the understanding of the interest-free banking sector in Commercial Bank Ethiopia, Mekell City. With this fact, it provides valuable information for policymakers, financial institutions, and researchers.
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    THE EFFECT OF CORPORATE SOCIAL RESPONSIBILITY ON COMPANY COMPETITIVENESS (THE CASE OF COMMERCIAL BANK OF ETHIOPIA MEKELLE DISTRICT
    (Mekelle University, 2025-06-28) TADESE TEKLU
    This study investigates the effect of corporate social responsibility (CSR) on company competitiveness, focusing on Commercial Bank of Ethiopia (CBE) Mekelle district. In an era where business success is increasingly measured not only by profit but also by social and environmental impact, CSR has emerged as a strategic tool for long term organizational growth. As Ethiopia’s largest financial institution, CBE has implemented various CSR initiatives ranging from community development and educational support to environmental conservation and financial literacy programs. However, the extent to which these initiatives contribute to the bank’s competitiveness, especially at the branch level, remains unclear. The research employed a mixed-methods approach, utilizing both primary and secondary data. Questionnaire were distributed to 166 respondents, comprising customers and employees from four selected CBE branches. Quantitative data were analyzed using SPSS to assess the relationship between CSR practices and indicators of competitiveness such as customer loyalty, brand reputation, and employee engagement. Findings reveal a strong positive correlation between CSR activities not only to enhance the bank’s public image but also foster stakeholders trust and internal commitment. Despite these benefits challenges such as weak strategic alignment, limited monitoring mechanisms, and low stakeholder awareness hinder the full integration of CSR in to business strategy. The study concludes that CSR is a powerful driven of competitiveness when proactively and strategically implemented. It recommends that CBE strengthen CSR integration within its core operations, enhance stakeholder education, and establish systematic evaluation tools. The research contributes to the broader understanding of CSR’s strategic role in emerging markets and offers practical insights for policymakers, banking institutions, and CSR practitioners.
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    The Effect of Customer Relationship Management Practice on Customer Loyalty: In the case of Commercial Bank of Ethiopia Yeka District
    (Mekelle University, 2025-06-28) Etsegenet Ayele
    The purpose of this study is to investigate the effect of Customer Relationship Management CRM practices on customer loyalty within the Commercial Bank of Ethiopia yeka District. Using a mixed- method approach, the researchers used to analyze the data are both qualitative and quantitative. The researcher employed descriptive research. Additionally, the study is explanatory as well. This study encompasses both descriptive and explanatory research. Data were collected through surveys and interviews. In this study, the sample was required sample size and selected customers. The total target population from selected CBE branches is 135loyees and 383customers. Questionnaires were distributed to analyze the correlation between CRM strategies and customer loyalty metrics such as satisfaction, retention, and advocacy. The findings indicate that effective CRM practices significantly enhance customer satisfaction and retention. This study recommends strengthening digital CRM tools and staff training to improve loyalty out comes