This study intends to assess determinants of nonperforming loans. The mixed research approach was adopted for the study. Survey was conducted with professionals engaged in both private and state owned Banks in Ethiopia holding different positions using a self administered questionnaire. In addition, the study used structured review of documents and records of banks and in-depth interview of senior bank officials in the Ethiopian banking industry. The findings of the study shows that poor credit assessment, failed loan monitoring, underdeveloped credit culture, lenient credit terms and conditions, aggressive lending, compromised integrity, weak institutional capacity, unfair competition among banks, willful default by borrowers and their knowledge limitation, fund diversion for unintended purpose, over/under financing by banks ascribe to the causes of loan default.

The purpose of the study is to analyze whether perceived customer service directly related to customer satisfaction regarding the National Alcohol & Liquor Factory (NALF) customers in Addis Ababa. The findings of the study indicated that five service quality dimensions were positively related to overall service quality and are indeed drivers of service quality which in turn has an impact on customer satisfaction. The study findings also indicated that all the standardized coefficients relating the service quality dimensions to overall service quality and to customer satisfaction have the expected positive sign and are statistically significant.

The thesis examines the integration and gender aspect of Ethiopian migration to the Czech Republic. The emphasis is particularly put on the integration of Ethiopians in individual dimensions of integration and gender based differences of men and women within the migration process. For this purpose was used the qualitative research, namely structured interviews with open questions. The main aim is finding, if the Ethiopians are sufficiently integrated in the Czech Republic and if differences, which are allocated to them from the point of view of gender, influence their behaviour within migration process. Finally, two aspects are connected and it is possible to see if the Ethiopian men or Ethiopian women are more integrated within czech society. Keywords: Ethiopia, gender, integration, migration

Introduction: Evidences indicate that human immuno-deficiency virus (HIV) and diabetes (DM) impact pregnancy outcomes but no experience on the integrated service delivery of HIV, DM and pregnancy care. This study explored the domains and levels of integration among DM, HIV and pregnancy care to prepare a service delivery model in Ethiopia. Methods: A sequential exploratory mixed method and the integration theoretical framework guided the study. An exploratory qualitative phase used focused group discussion, in-depth interview and observation to explore the level of integration and to refine a questionnaire for the quantitative phase. The data were transcribed and coded for theme-based analysis. The descriptive quantitative phase described HIV, DM and pregnancy care services, and determined the burden of DM among HIV patients and the prevalence of pregnancy and pregnancy outcomes. Data was analysed using Epi-info. The findings were triangulated, discussed and interpreted. Results: Seven themes were generated: joint plan, shared budget, monitoring system, structural location, the need of policy guide, the practice of integrated service delivery and suggested integration approaches. A coordinated HIV and pregnancy care services were noted. There was a linkage between diabetes and HIV, and diabetes and pregnancy care. The 1.5% of diabetes among HIV, the low number of pregnancies per a mother in diabetes (1.8) and HIV (1.3); the high adverse pregnancy outcomes among HIV (13.4% abortion, 12.4% low birth weight (LBW), 3.5% pre-term birth, 2.1% congenital malformation) and diabetes (3.2% big baby, 3.2% LBW, 3.1% Cesarean-section); the respective absent and low (16.2%) diabetes screening service at anti-natal and HIV clinics, the absent pregnancy care service for diabetic females justified the development of the tripartite integrated service delivery model of diabetes, HIV and pregnancy care. Conclusions: The model suggests active diabetes screening, evaluation and treatment at HIV and antenatal clinics. It considers the coordination between non-communicable diseases (NCD), HIV and maternal health units. Pregnancy care could be coordinated at HIV and NCD units. Full integration can be practiced between HIV and pregnancy care units. Preparing policy guide, building the capacity of health providers, advocating and piloting the model may be prioritized before the implementation of the model. / Health Studies / D. Litt. et Phil. (Health Studies)

A great number of the urban areas in Ethiopia are situated within the Great Rift Valley of Ethiopia, a system consisting of depressions and large faults. As a region with significant seismic activities, it is vital that careful planning is implemented to avoid constructing buildings on flat surfaces as they can amplify ground motion in the case of an earthquake.   This study was conducted in Adama, a city located within the rift system, to map and characterize the subsurface of a construction site with seismic refraction and investigate whether this is an optimal area to construct a building should an earthquake occur. Seismic refraction is based on Snell’s law, specifically the case of the critical angle, which is when the refracted angle is at 90 degrees and a number of the energy from the wave is rebounded back to the surface in accordance with Huygen’s Principle.       Seismic waves were generated with a sledgehammer and recorded with 24 vertical geophones. The acquired data was then analysed with SeisImager and produced a 2D-tomography of the site with the corresponding velocity layers for a P-wave. Comparing the P-wave velocities to a table of Seismic Velocities of Rocks and Various Materials, one could determine that the subsurface layers consisted of rock soils, sand and silt. These are incredibly loose materials that will amplify ground motion during earthquake crisis and are therefore not optimal or ideal for constructing buildings.

The main purpose of this study is to empirically assess the relationship between inflation and economic growth in Ethiopia using quarterly dataset from 1992Q1 to 2010Q4. In doing so, an interesting policy issue arises. What is the threshold level of inflation for the Ethiopian economy? Based on the Engle-Granger and Johansen co-integration tests it is found out that there is a positive long-run relationship between inflation and economic growth. The error correction models show that in cases of short-run disequilibrium, the inflation model adjusts itself to its long-run path correcting roughly 40% of the imbalance in each quarter. In addition, based on the conditional least square technique, the estimated threshold model suggests 10% as the optimal level of inflation that facilitates growth. An inflation level higher or lower than the threshold level of inflation affects the economic growth negatively and hence fiscal and monetary policy coordination is vital to keep inflation at the threshold. / Economics / M. Com. (Economics)

The purpose of this study was to explore salient issues in the Ethiopian telecommunications sector. In doing so, the research investigated the institutional history and origins of state-monopoly of telecommunications in Ethiopia from the first ministerial level communications-related institution, the Ministry of Posts, Telegraph and Telephone, to Ethio-Telecom presently. Using a theoretical framework informed by political economy of communications, development studies and political science, the study explored the foundations, rationales and implications of contesting ideologies in the Ethiopian telecommunications sector involving the Ethiopian state and the International Monetary Fund (IMF). The study also explored the extent to which, and why, the Ethiopian public endorses/denounces state monopoly of the telecommunications sector. It also investigated the premises on which Sino-Ethiopian partnerships in the Ethiopian telecommunications sector are laid. A triangulated, multi-method research approach involving document analysis, online survey and semi-structured interviewing was employed in this study. World Bank documents and other secondary resources were analyzed to chronicle the institutional history of telecommunications in Ethiopia. IMF reports and Ethiopian People's Revolutionary Democratic Front economic programs and political manifestos were carefully examined to address contesting liberalization discourses pertinent to the Ethiopian telecommunications sector. An online survey was administered to collect public opinion about, among other things, state monopoly of telecommunications in Ethiopia. Ethiopian government officials, IMF country representatives, Ethio-Telecom consultants and other important figures were interviewed to explore the pros and cons of Sino-Ethiopian relations in the Ethiopian telecommunications sector as well. The study revealed that a host of different factors, most notably the rise of China as an alternative global economic power, have shifted Ethiopia's preference of global development partnership from West to East including in telecommunications infrastructure development. Growing concerns over state monopoly of telecommunications were reported by users, particularly in relation to lack of quality of services and fear of surveillance. / 2015-03-29

The study emphasizes two major issues of development: poverty theories and human development. Human development is understood as a process of expanding human freedoms and potential. Focus is put on the perception of Ethiopians on the promotion of creativity as possible means to foster human development and as a result reduce many dimensions of poverty. The study evaluates the perception of people involved in child development in Ethiopia regarding the promotion of ‘creativity as capability’ as a factor contributing to human development. The conclusions of this study can provide Ethiopian development effort with practical insight on how Ethiopian citizens perceive ‘creativity’ within their culture as potential chance and effective addition to promote human development in Ethiopia. The study identifies several existing as well as absent aspects of creativity within Ethiopian society and presents practical starting points to establish ‘creativity as capability’ on micro-level in Ethiopian communities. / Development Studies / M.A. (Development Studies)

The prevalence of emotional and behavioural problems in secondary school adolescents is regarded as widely spread globally. Their effects/pitfalls are also a concern that cannot be ignored. Thus, this study dealt with this issue among adolescents, as well as with pitfalls and practices of secondary schools in Ethiopia, with particular focus on East Showa Administrative Zone of Oromiya National Regional state. Consequently, the study intended to: -examine what social competence problems (activity problems, social activities problems and academic performance problems) are experienced by secondary school adolescents of Ethiopia. -determine the relationship between sex groups and social competence problems by secondary school adolescents of Ethiopia. -examine the trends of emotional/internalising and behavioural/externalising problems among secondary school adolescents of Ethiopia. -determine the relationship displayed between sex groups and emotional/internalising and behavioural/externalising problems by secondary school adolescents of Ethiopia. -examine the relationship display between age groups and emotional/internalising and behavioural/externalising problems by secondary school adolescents of Ethiopia. -comprehend the relationship among social competence problems and syndrome problems by secondary school adolescents of Ethiopia. To address the objectives of the study, a descriptive survey and correlational study were employed. To achieve this target, the Amharic and the Afan-Oromo versions of Achenbach’s (2001) youth self-report (YSR) were used to collect data from 714 research participants of secondary school adolescents out of 27,643 in the East Showa Administrative Zone of Oromiya Regional State-Ethiopia, from 8 secondary schools. In analysing the data, basic descriptive statistics such as frequency, percentages, percentiles and T-scores as well as ANOVA were employed. In general, the results of the study demonstrated that the prevalence of emotional and behavioural problems of Ethiopian secondary school adolescents was relatively lower (about 9%) in comparison to many other countries. Moreover, girls showed more internalising problems (11.58%) than boys (9.63%) and vice versa in externalising problems. Consequently, girls accounted for 8.6% who fell into a clinical category whereas amongst boys, 14.83% were classified into such as category. In contrary to the other findings males were scored higher than females in withdrawal/depressed subscales (4.23% and 2.74% respectively). Furthermore, statistically significant relationships between academic competences with activities, social activities, somatic complaints, social problems and externalising problems were discovered. Fulfilling and rendering appropriate guidance and counselling services in the schools comprised the first dimension of the recommendations of this work. Furthermore, establishing school based mental health services to alleviate the problems is another key point of the recommendation to assist adolescents with emotional and behavioural problems in secondary schools of Ethiopia. / Psychology / Ph. D. (Psychology)

Lake Tana is a biodiversity and natural reservoir for fresh water supply contributing significantly to the economy of Ethiopia and downstream recipient countries, namely: Sudan and Egypt. The Lake Tana Ecosystem provides a variety of goods and services such as: provisioning, regulating, amenity and supporting services. These services are affected by high human activities which threaten the water quality and biodiversity of the lake. Hence, this study aims to assess the impact of human activities on water quality, biodiversity and livelihood of Lake Tana and its shore sides.To assess the impact of anthropogenic activities of Lake Tana; physicochemical parameters, macroinvertebrates, macrophytes and livelihood of the Lake side communities were collected in the year 2014/2015 during dry and wet seasons for 11 sampling sites as indicated in Figure 1.1 and Table 1.1. The variations of physicochemical, metals and bacterial parameters were investigated. The overall water quality parameters (mean analytical results) of Lake Tana were found to be: Temp (Temperature)23.0OC, pH 7.5, EC (Electrical conductivity)180.1 μS/cm, BOD5 (Biological oxygen demand in 5 days)37.3 mg/l, COD (Chemical oxygen demand)316.5 mg/l, TSS 0.3 mg/l, TDS 93.1 mg/l, SO4 2- 11.0 mg/l, PO4 3- 42.4 mg/l, Cr (0.08 mg/l), (Mn (0.01 mg/l), E. Coli (13.4 Cell/ml), F. Coliform (82.5 Cell/ml), T. Coliform (113.0 Cell/ml), etc. These parameters did not show significant variation among the sites but were significantly different between wet and dry seasons (P<0.05). The highest concentration values were recorded during the wet season. However, most of the parameters under investigation were within the Ethiopian EPA (Environmental protection agency) permissible range except PO4 3-, S2-, E. Coli (Cell/ml), F. Coliform (Cell/ml) and T. Coliform (Cell/ml). Based on the analysis of the water quality index (WQI), Lake Tana water was unfit for drinking purpose and needs treatment. For theMacroinvertebrates analysis, a total number of 629 macroinvertebrate individuals are belonging to 9 orders and 38 families were found. In the study year impacted areas number of identified macroinvertebrates were 478 (76%); of this, 233 (37%) were in the wet season and 245 (39%) in the dry season and the total number of individuals identified in the reference area was 151 (24% of the total) in the wet season 61 (9.7%) and in the dry season 90 (14.3%) individuals. The diversity was more in the dry season. The dominant orders were Odonata (156 individuals), Coleoptera (153 individuals) and Hemiptera (141 individuals). The literature indicated that the presence of more Odonata, Coleptera and Hemipteran larvae is an indication of water quality deterioration due to pollution. From the collected samples, the total number of tolerant individuals was 303 (48.2%) and facultative individuals were 243 (38.7%) while intolerant individuals were 80 (12.7%). Most of the taxa (48.2%) had tolerance scores ranging from 7 to 10. The analysis of different forms of indices showed poor water quality. The water quality of Lake Tana was also determined by developing the LTMI (Lake Tana Metric Index). The index indicated the impairment levels of the study sites. Seven of the sites were in the category of poor (disturbed) and the other three were very poor (highly disturbed). The study on macrophytes recorded 43 species and 18 families during the two seasons (wet and dry), throughout the study year. 2687 individual macrophytes were collected; 1756 in the wet season and 931 in the dry season. Poaceae (15 species) with abundance mean 215.40 ± 421.7 was the most dominant family, followed by Cyperaceae (5 species) 35.40 ± 68.3. Sacciolepis africana was the dominant macrophyte species in Lake Tana. But in the study area Ambobahir, the dominant species was Cyperus papyrus while the Megech study area was invaded by the nuisance exotic weed Eichhornia crassipes. In the present study, the low macrophyte diversity values of Shannon Wiener index (2.90), Simpson Diversity Index (1-D) (0.90), Simpson Dominance Index (D) (0.10), Margalef’s index (M’) richness index (5.32) and Evenness Index (E) (0.77) throughout the study year indicate moderate water quality status while the presence of certain bio-indicator species like Eichhornia, Potamogeton and Cyperus in the lake also confirm pollution. Because of the effect of human activities on water quality and biodiversity, the livelihood of the riparian community is affected indirectly. Hence, to recommend mitigation and remediation actions, this study also focused on the assessment of the change of livelihoods of people living in the study area using qualitative research methods (key informant interview, focus group discussion (FGD), observations, published and unpublished materials and photographes). Lake Tana is a home to different flora and fauna including endemic species. The flora such as macrophytes and forest resources are used mainly for traditional medicine, fuel wood, rope, pole, habitat for birds, animal feed, etc. and the fauna includes fish, hippos, crocodiles, invertebrates, etc. Further, the Lake Tana area is a good habitat for indigenous cattle breeds (Fogera breed) and field crops gene center. The major resources around Lake Tana are land (the major source of livelihood), vegetation resources (macrophytes and forest resources), wildlife resources (fish, the other important source of livelihood) and cultural landscapes (churches and monasteries). Lake Tana is exposed to a set of interrelated environmental problems induced by human influence such as deforestation, erosion, sedimentation, water level reduction, erratic rainfall, flood, and competition for water resources, pollution and introduction of alien species. The causes to these problems were overgrazing, farmland expansion, cultivation of marginal lands (shorelines), encroachment of communal land, pollution and vegetation removal to meet demand for food and fuel wood. It is observed that alteration of Lake Tana and its fringe wetlands has affected the whole dynamics of the Lake’s ecosystem and the livelihood of the surrounding community. Ecosystem components are interlinked; hence correlation analysis was done between physicochemical parameters and macroinvertebrates of Lake Tana. Thus, correlations among many of the physicochemical parameters and macroinvertebrates families have been observed. To mention some of the correlations, the changes in the physical, chemical and biological characteristic of the lake affected the aquatic life forms and significantly affect economic activities that the lake supports. The RDA(Canonical redundency analysis) ordination of the species-environmental variable association indicated that pH, Cd, Pb and SO42- and Velidae, Chironomidae, Physidae, Gerridae, Corixidae, Dytiscidae, Caenidae, Coenogrionidae Simuliidae and Psephenidae were negatively correlated while Mussidae positively correlated with these environmental variables. This study concludes that the main threat to aquatic ecosystems in Lake Tana arises from agricultural activities, urbanization and industrialization that deteriorated water quality and biodiversity. Thus, it is recommended that proper management of Lake Tana should be put in place to prevent further deterioration of water quality and biodiversity of the lake for its sustainable development. / Environmental Sciences / Ph. D. (Environmental Science)